KFC Is Working on 3D Printed, Lab-Grown Chicken Nuggets

With help from a Russian 3D printing startup, American fast food chain KFC wants to craft the

Lab Nuggets

American fast food chain KFC wants to craft the “world’s first laboratory-produced chicken nuggets,” according to a press release — and no, they won’t technically be vegetarian, because they’ll include actual chicken cells.

To create this “meat of the future,” the chain is working with Russian startup 3D Bioprinting Solutions to use “chicken cells and plant material” to print nuggets layer by layer.

KFC claims the approach is more ethical and environmentally sound, as it reduces the need for farming animals.

No Harm

According to the company, “the production process does not cause any harm to animals.”

“3D bioprinting technologies, initially widely recognized in medicine, are nowadays gaining popularity in producing foods such as meat,” Yusef Khesuani, co-founder of 3D Bioprinting Solutions, said in the KFC statement.

The fried chicken giant has yet to actually feed anybody its futuristic nuggets, but the Russian startup is already hoping that the trend will catch on.

“In the future, the rapid development of such technologies will allow us to make 3D-printed meat products more accessible and we are hoping that the technology created as a result of our cooperation with KFC will help accelerate the launch of cell-based meat products on the market,” the statement reads.

Slow Food

Scientists who have experimented with similar bioprinting processes have found them to be extremely slow and laborious, The Verge reports.

Despite the hurdles, though, KFC wants to go ahead and make its Frankenstein nuggets available for final testing in Moscow later this year.

READ MORE: KFC is working with a Russian 3D bioprinting firm to try to make lab-produced chicken nuggets [The Verge]

More on lab meat: Lab-Grown Meat Could Be Worse for the Environment

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Uber Drivers Are Suing to Learn How the Company’s Algorithm Works

Uber drivers in the U.K. are suing the company for access to access to its logs on their performance, as well as info on how it's used.

Black Box

Uber drivers in the UK are suing the company in a desperate bid to learn more about the ride-hailing app’s algorithm, which governs their lives and income.

The core argument of the lawsuit, Business Insider reports, is that the company’s decision to withhold personal data about drivers prevents them from understanding how the algorithm assigns them jobs and therefore impacts their livelihood. If it works, it could be a major win for gig-economy contractors trying to assert control over their work.

Enter GDPR

The App Drivers and Couriers Union, which is suing Uber on behalf of the drivers, argued that Uber violates GDPR when it tracks and monitors drivers by gathering data like late arrivals, cancellation records, and passenger complaints, according to BI.

Because the drivers can’t access that data and aren’t told how it’s fed into the algorithm that decides their future ride assignments, the union claims that Uber is violating their digital privacy.

BossBot

If the lawsuit succeeds and Uber drivers gain access to their records, it could set a lasting precedent for other gig workers who essentially report to and are managed by algorithms, BI reports.

With more power and authority granted to drivers, who Uber has repeatedly argued in court should not be considered employees, gig workers around the world could get a more important seat at the table.

READ MORE: Uber drivers are suing the company to better understand how they are managed by algorithms [Business Insider]

More on Uber: Uber Says Rides During “Party Hours” Are Keeping it Afloat

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Uber Drivers Are Suing to Learn How the Company’s Algorithm Works

The Same Company 3D Printing KFC’s Meat Nuggets Is Printing Human Tissue in Space As Well

The same company that announced a partnership with KFC to create the world's first 3D printed chicken nugget successfully printed human cells in space.

It’s been a wild weekend for Russian startup 3D Bioprinting Solutions.

First, the company announced a partnership with fast food chain KFC as part of an effort to create the “world’s first laboratory-produced chicken nuggets.”

Now, the same company is ready to announce that it’s been hard at work bringing similar tech into orbit as well.

In an experiment on board the International Space Station that took place in 2018 but has only now been published, Russian cosmonaut Oleg Kononoenko was tasked to 3D print human cartilage cells in near-zero gravity using a machine called “Bioprinter Organ.Aut,” as Space.com reports — a machine assembled by, you guessed it, 3D Bioprinting Solutions.

The goal was to investigate ways to reverse some of the negative effects of spending prolonged periods of time in space, in particular evidence that parts of the human body can atrophy over time — something we’ve known about for quite some time.

The eventual hope is to give astronauts the ability to print entire body parts in space, according to the researchers — just in case something goes catastrophically wrong during a mission.

A paper about the research was published in the journal Science Advances last week.

Rather than using a bioassembly “scaffold,” a structure that acts as a support for tissue, the machine uses magnets to allow cells to float in place, a process the researchers called “magnetic levitational bioassembly.”

“Magnetic waves or fields are controlled so we can move the cells where we want them to go [to assemble] them into more complex structures of tissue constructs,” Utkan Demirci, co-director of the Canary Center for Cancer Early Detection at Stanford, who invented the process and co-authored the paper, told Space.com.

The Russian startup isn’t only looking at printing cartilage in space.

During following ISS expeditions, “we also conducted experiments in space on fabricating the mouse thyroid gland, fabricating meat, fabricating bones, fabricating three-dimensional bacterial biofilms, as well as crystallizing and growing crystals of protein compounds in a new method,” Vladislav Parfenov, 3D Bioprinting Solutions chief designer, told Space.com in an email.

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“Mini-Neptune” Exoplanets May Actually Be Covered in Radioactive Oceans

A class of exoplanets thought to resemble gas giants like Neptune may actually be rocky worlds covered in thick, heavily irradiated oceans.

Nuka-Nepta

New research suggests that astronomers may have been entirely wrong about a class of exoplanets that they call “mini-Neptunes.”

These worlds, which were thought to be smaller versions — just 2.4 Earth radii across — of gas giants like Neptune, may actually be rocky exoplanets covered by thick, deeply-irradiated oceans, according to research by scientists at the Laboratoire d’Astrophysique de Marseille. The study, published last month in The Astrophysical Journal Letters, threatens to break down the barriers between two classes of exoplanets that astronomers previously thought were totally separate.

Totally Rad

Studying exoplanets tends to involve a little bit of trickery. Researchers use various imaging techniques to figure out things like a world’s density, chemical composition, and whether it has an atmosphere. In the case of mini-Neptunes, most had assumed that their low density and mass meant they were coated in a thick, gassy atmosphere.

Instead, according to the study, some may have oceans of highly pressurized and heated supercritical liquid that’s been irradiated by a powerful greenhouse effect. The ocean, just like a gas giant’s atmosphere, could account for the low density and mass of the exoplanets.

Building Bridges

A separate study published in Astronomy and Astrophysics found that the same irradiated oceans could also exist on slightly-smaller, rocky “super-Earth” exoplanets, as their environments are capable of the same powerful greenhouse effect as the mini-Neptunes.

Much of their calculations still need to be tested and verified through more observations of exoplanets. But if it holds up, the findings suggest that the various worlds out there could be a lot more similar than we thought.

READ MORE: Could mini-Neptunes be irradiated ocean planets? [CNRS]

More on exoplanets: Astronomers Discover “Intriguing,” Extremely Earth-Like Exoplanet

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Messenger of DNA, Therapeutics and Coronavirus: How are they all linked? – PLoS Blogs

This blog was written by Ashley Chin, BSc, a PhD candidate in the Division of Experimental Medicine at McGill University and Montreal Clinical Research Institute. Her research areas of interest include RNA and cell biology.

The answer lies in RNA. As we may know from the central dogma of molecular biology, RNA is best known as a messenger for DNA. Genetic information is passed on from DNA, to messenger RNA (mRNA), to protein. However, this dogma has led to an overly simplistic view. In the last few decades, scientists have dedicated themselves toward understanding the role that RNA molecules may play beyond being a simple genetic blueprint. They realize that having proper control over these microscopic regulators can translate into macroscopic health benefits in animals, including human. As such, the search for innovative RNA-based therapeutics have set sail.

An Emerging Drug for Mankind

For many years, RNAs have been deemed to be easily degraded and too cumbersome to be manipulated in the laboratory. Any scientists working with RNA would agree with this. This is because the human body is constantly releasing RNases into the environment, enzymes that are used for degrading RNA during normal cellular maintenance and for protecting us against harmful microorganisms. Although this benefit may initially seem like an advantage to you, it has in fact prevented scientists from using RNA as a potential therapeutic for many years, until some recent breakthroughs.

In recent years, RNAs are being explored as a new class of pharmaceutical target and drug, especially as vaccines for neurological disorders and infectious diseases (1-3). For example, to treat children with a crippling neurodegenerative disease called spinal muscular atrophy, building upon the initial RNA research conducted by Adrian Krainer and C. Frank Bennett, who were co-recipients of the 2019 Breakthrough Prize in Life Sciences, one pharmaceutical company and biotech teamed up to harness the power of antisense oligonucleotide therapy, a novel technique whereby carefully modified versions of DNAs are introduced into the cells (1-3). This is achieved by injecting the modified molecules into the fluid surround the spinal cord as a way to alter mRNA splicing, an editing process that is crucial for maintaining genetic information in the cells (1, 3). Additionally, last year, in a study conducted by Feldman and colleagues, they successfully produced effective mRNA vaccines against the influenza A viruses, the mastermind behind seasonal flu every winter. The researchers specifically targeted the H10N8 and H7N9 influenza strains that surfaced in 2013 by producing vaccines that contained chemically modified, full-length forms of those virus mRNAs. The vaccines were given in the deltoid muscle surrounding the shoulder during phase 1 of the clinical trial and yielded promising immune response from healthy participants (4).

What about the pandemic that is currently taking the world by storm paralyzing our daily routines, sinking the global economy and killing countless lives? In fact, much like the mRNA vaccine mentioned above, scientists are working at unprecedented pace to explore the feasibility of using mRNA vaccines to combat SARS-CoV-2, the coronavirus that is causing COVID-19 (5). This is because the traditional form of vaccines we are used to, which usually works by introducing a weakened or dead form of the virus to the body, requires a lengthy manufacturing time. Take the typical seasonal flu shots, an egg-based vaccine, as a more recent example, the virus needs to be first injected into a fertilized chickens eggs, where the selected virus strains incubate and replicate. Following, the viral containing fluids need to be harvested and deactivated before the purified virus antigen can be used in a vaccine (6). With the clock ticking and infection spreading as we speak, any mean to shorten vaccine manufacturing time is lifesaving.

RNA scientists believe mRNA vaccine can be a suitable solution in a time pressed pandemic as the mRNAs can serve as instruction molecules to direct a persons immune system to make their own protein reserve to combat a viral invasion. In this sense, the recipient uses the immune cells within its own body as a manufacturing hub for antibodies, rather than relying on external manufacturing capabilities, which is expected to save time when compared to traditional way of manufacturing vaccines.

In fact, albeit a development in progress, mRNA vaccines have other key advantages over traditional vaccines or DNA-based vaccine. The first and foremost is safety. mRNA is non-infectious, so it will not be integrated into the recipients genome and it can be digested by normal cellular processes. Through various chemical modifications, the longevity of these mRNAs in the body can be controlled. Additionally, the efficiency of mRNA delivery can be increased through designing and packaging the mRNA into protective, carrier molecules, which would enhance stability and encourage rapid uptake by the cells (7). Furthermore, mRNA vaccine can not only be a rapid alternative, but it is also scalable, as it relies on in vitro transcriptions, chemical reactions that are commonly practiced in laboratories, rather than relying on external factors such as the availability of hens eggs in addition to laboratory manipulation (6, 7).

As such, a large mRNA-based biotech is evaluating mRNA-1273 as a putative candidate vaccine for the novel coronavirus (5). The concept surrounding its vaccine is to inject a portion of mRNA that codes for the spike-like protein that is located on the surface of the virus, which allows it to bind to and invade human cells. In this fashion, the synthetic mRNA can travel throughout the bodies of their recipients, stimulating their immune systems to produce beneficial antibodies against the spike protein. Thus, when someone is exposed to the virus, the antibodies will be able to stop an infection by coating spike protein on the virus surface and preventing its capacity to attach to cells. Phase 1 clinical trial consisted of 8 healthy participants and yielded a positive outlook in terms of safety and efficacy. Phase 2, involving a few hundred healthy participants, is currently underway. If all goes well, phase 3 is scheduled to commence in the coming weeks (8).

Similarly, using mRNA-based technology, a pharmaceutical giant has teamed up with another biotech to develop a coronavirus vaccine (5). The most promising vaccine candidate is named mRNA-BNT162b1. This mRNA codes for a receptor binding domain antigen that is found on SARS-CoV-2, a portion of the protein that is required for the virus to bind to human cell. These companies have started phase 1/2 of their clinical trial, which consists of 45 healthy participants. Although some minor but not serious adverse effects were observed, the vaccine generated neutralizing antibodies that are predicted to prevent the coronavirus from operating. In fact, following two administrations of the low doses tested, the concentration of these antibodies were 1.8-2.8 times when compared to recovered patients (9). Nevertheless, whether higher concentration equates to immunity against the coronavirus remains to be tested (9, 10). Phase 2b/3 of the clinical trial is expected to start in few weeks (9).

At this point, due to the inherent complexity of our biological systems and the development of an effective vaccine, only time will tell whether we can effectively fight RNA with RNA. Afterall, this novel coronavirus is an RNA virus and it would be interesting to see if we can give it a taste of its own medicine by using synthetic mRNA molecule to create protein that our own immune systems can learn to combat. This is an exciting era for RNA researchers, as the world anxiously awaits its good news.

Although we have only discussed mRNA vaccines in the context of COVID-19, around the world, there are many other types of vaccine being explored in parallel. With the urgency of this matter, we certainly do not want to put all our eggs in one basket and concurrent vaccine development using a diversity of approaches are warranted.

Perspectives

We are only beginning to understand the many roles that RNAs play in our world. With the rapid technological advances, RNA-based therapies hold great promise for improving modern medicine within the foreseeable future, but much work remains to be done before it can establish itself as an efficient, scalable and go-to clinical solution. It may potentially serve as a great alternative or replacement for gene therapy against certain diseases. This is especially true since mRNA will not integrate into the host genome, minimizing the risk of unpredictable outcome associated with gene therapy.

References

1. Mercuri, E., et al. (2018). Nusinersen versus sham control in later-onset spinal muscular atrophy. N Engl J Med, 378, 625-635.

2. Garde, D. (2018). Researchers behind Biogens breakthrough drug win big at Oscars of science. Statnews. https://www.statnews.com/2018/10/17/researchers-behind-biogens-breakthrough-drug-win-big-at-oscars-of-science/

3. Bennett, C., Krainer, A., & Cleveland, D.W. (2019). Antisense oligonucleotide therapies for neurodegenerative diseases. Annual Review of Neuroscience, 42, 385-406.

4. Feldman, R.A., et al. (2019). mRNA vaccines against H10N8 and N7N9 influenza viruses of pandemic potential are immunogenic and well tolerated in healthy adults in phase 1 randomized clinical trials. Vaccine, 37, 3326-3334.

5. Servick, K. (2020). Meet the company that has just begun testing a coronavirus vaccine in the United States. Sciencemag. https://www.sciencemag.org/news/2017/02/mysterious-2-billion-biotech-revealing-secrets-behind-its-new-drugs-and-vaccines

6. Yeung, J. (2020). The US keeps millions of chickens in secret farms to make flu vaccines. But their eggsw ont work for coronavirus. CNN Health. https://www.cnn.com/2020/03/27/health/chicken-egg-flu-vaccine-intl-hnk-scli/index.html

7. Pardi, N., et al. (2018). mRNA vaccines a new era in vaccinology. Nature Reviews, 17, 261-279.

8. Grady, D. (2020). Moderna coronavirus vaccine trial shows promising early results. The New York Times. https://www.nytimes.com/2020/05/18/health/coronavirus-vaccine-moderna.html

9. Pfizer and BioNTect. (2020). Pfizer and BioNTect announce early positive data from an ongoing phase study of mRNA-based vaccine candidate against SARS-COV-2. Pfizer News. https://www.pfizer.com/news/press-release/press-release-detail/pfizer-and-biontech-announce-early-positive-data-ongoing-0

10. Herper, M. (2020). Covid-19 vaccine from Pfizer and BioNTect shows positive results. CNBC Newsletters. https://www.cnbc.com/2020/07/01/coronavirus-vaccine-from-pfizer-and-biontech-shows-positive-results-report-says.html

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High Levels of Iron in the Body Leads to Decreased Healthspan and Lifespan – Dual Dove

Broad new research has found proof that blood iron levels could play a crucial part in impacting how long you live. Usually, it is best to take longevity studies with a grain of salt, but the new paper is remarkable in its breadth, analyzing genetic information for more than one million people across three different public databases.

The study also focused on three main measures of aging: lifespan, healthspan, which are years lived free of disease, and longevity.

Throughout the research, ten key regions of the genome were proved to be related to these measures of long life, as well as gene sets associated with how the body metabolizes iron.

Simply put, having too much iron in the blood seemed to be connected to an increased risk of dying earlier.

We are very excited by these findings as they strongly suggest that high levels of iron in the blood reduce our healthy years of life, and keeping these levels in check could prevent age-related damage,says data analyst Paul Timmers, from the University of Edinburgh in the U.K. We speculate that our findings on iron metabolism might also start to explain why very high levels of iron-rich red meat in the diet has been linked to age-related conditions such as heart disease.

While correlation doesnt always mean causation, the scientists used a statistical technique known asMendelian randomizationto decrease bias and attempt to deduce causation in the data.

Micrograph of liver biopsy showing iron deposits due to haemosiderosis, the most important cause of iron overload. [Image: Wikipedia]As researchers detail, genetics are believed to have around a ten percent influence on lifespan and healthspan, and that can make it rather hard to pick out the genes involved from all the other aspects, such as smoking, eating, and drinking habits.

Five of the genetic markers the scientists found had not previously been considered significant at the genome-wide level. Some, such asAPOEandFOXO3, have been particularly discussed in the past as being important to the aging process and human health.

It is clear from the association of age-related diseases and the well-known aging loci APOE and FOXO3 that we are capturing the human aging process to some extent, the researchers write in theirpublished paper.

Besides genetics, blood iron is usually controlled by diet and has already been associated with a few age-related diseases, such asParkinsons, andliver disease. It also impacts our bodys capacity tofight off infectionas we get older.

This latest research can be added to the increasing evidence that iron overload or not being able to break it down properly, can have an impact on how long were likely to live, as well as the health status were likely to be in our later years.

Our ultimate aim is to discover how aging is regulated and find ways to increase health during aging,says Joris Deelen,who studies the biology of aging at the Max Planck Institute for Biology of Ageing in Germany. The ten regions of the genome we have discovered that are linked to lifespan, healthspan, and longevity are all exciting candidates for further studies.

The paper detailing the findings has been published inNature Communications.

Known for her passion for writing, Paula contributes to both Science and Health niches here at Dual Dove.

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Anti-Ageing Drugs Market Latest Innovations, Analysis by Key Players Commercial Sector, Overview, Component, Industry Revenue and Forecast to 2025 -…

Anti-Ageing Drugs Market was valued at USD XX Million in 2018 and expected to reach USD XX Million by 2025 with a CAGR of XX% during the forecast period. The growing influence of lifestyle industry coupled with high levels of disposable income are some of the key factors expected to spur the growth of Global Anti-Ageing Drugs Market.

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The global anti-ageing drugs market is set to witness huge growth potential in the coming years owing to rising awareness among the aging population regarding the use of anti-aging products. The industry however is in its infancy stage due to lot of skepticism regarding the cellular understanding of ageing process. On the other hand, the industry is also witnessing a large amount of research and development activities with drug manufacturers showing an increased focus towards significantly decreasing the impact of ageing and ultimately increasing the lifespan.

Various recent discoveries indicating the use of pharmacology to delay and possibly improve the aging process has spurred the interest of many manufacturers. Aging is a natural process in a human life. However, such discoveries should contribute in increasing the life span of older people as well as maintain their quality of life. The introduction of such anti ageing drugs will lead to the reduction of socio-economic burden in developed countries particularly. Citing this, research and development of anti ageing drugs is on forefront in the developed countries of North America and Europe.

The global Anti-ageing Drugs Market is witnessing a huge surge in research activities of biotechnology companies towards development of drugs to extend normal human lifespan. For instance, Elevian, Inc. is actively conducting research focused on a protein called growth differentiating factor 11 (GDF11). This protein is found to improve brain function, exercise capacity and fasten muscle repair process when introduced in old mice.

Moreover, Elysium Health, one of the prominent players in the anti-aging market space has introduced an over the counter nutritional supplement that intends to boost ones NAD+ levels leading to enhance longevity genes. However, clinical benefit of this supplement is not yet proven.

Increasing target population and growing influence of lifestyle industry are some of the pivotal factors boosting the market growth. The rising ageing population acts as target market for anti-ageing drugs driving the growth of this market. According to the World Health Organization (WHO), the proportion of global population over age of 60 years is predicted to double and reach 22% by 2050 from 12% in 2015. Moreover, the growing influence of lifestyle and fashion industry has led to an increased desire among the old to stay young and healthy. Apart from this, the elevating level of beauty standards has led to boost in demand for anti-ageing drugs among all age groups. Rising investments in research and development activities leading to incessant launch of new products is anticipated to be another pivotal

Geographically, this report split global into several key Regions, revenue (Million USD) The geography (North America, Europe, Asia-Pacific, Latin America and Middle East & Africa) focusing on key countries in each region. It also covers market drivers, restraints, opportunities, challenges, and key issues in Global Anti-Ageing Drugs Market.

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North America accounted for the largest share in Anti-Ageing Drugs Market Developed economies of U.S. and Canada are the largest revenue contributors to the global anti-ageing drugs market. This should be well justified by the high living standards, huge paying capacity and growing influence of fashion and lifestyle industry among the population. Moreover, the region houses developed infrastructure for carrying out progressive research activities aimed towards development of new anti-ageing products. These factors have collectively led to the expansion of anti-ageing drugs market in the region. Europe is set to witness similar trends as that of North America and grab the second position in the global anti-ageing drugs market. While the growing personal care industry coupled with increasing awareness regarding use of anti-ageing products in the emerging economies of China and India is expected to propel the Asia Pacific anti-ageing drugs market growth in the years to come.

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Will automation rule over human interaction thanks to the coronavirus? – BetaNews

Thanks to advancements in technology, the need for human interaction -- when you shop for groceries, book a taxi, order a takeaway or watch the latest blockbuster -- has gone from necessity to nice-to-have, with self-service checkouts, apps to order cabs and kebabs, and streaming services all examples of automation that have everyday use.

Despite its influence on consumer behaviors, one of the perceived downfalls of automation is the limit it has on the reliance for humans to carry out certain tasks and jobs. A debate that has, and will, rage on for quite some time. But, with the current coronavirus pandemic, will automation become more of a necessity as we come to terms with social distancing and what life might be like in the future? Here we look at the role automation could play in the fight against COVID-19 and beyond.

Will automation be best for business?

Cities and communities effectively turned into ghost towns in March when the World Health Organization reclassified coronavirus as a global pandemic. Tourist hotspots, restaurants, entertainment venues, and workplaces shut, with people instructed to stay at home.

In the UK, we saw the introduction of the job retention scheme to help ease the fears of businesses who were left to wonder how they would pay their staff and stay afloat. Originally set to last until July, the scheme has now been extended to October -- an indication that economic impacts of the virus will be felt for some time.

Its anyones guess as to whether businesses -- who rely on humans to come to work and carry out manual tasks -- will be able to survive in a post-coronavirus recession. Will it force company bigwigs to invest in automation to boost their chances of longevity and success?

A study carried out in April by auditing firm, EY, showed that almost half of bosses in 45 countries are speeding up plans to introduce automation, with the likes of Amazon and Ocado already using robots in customer fulfillment centers. A challenge that car manufacturers face is a reduction in available staff on their shop floors, which comes with health and safety concerns, and the need for new ecosystems to achieve efficient production. This may see a continued turn towards automation to aid the build of new vehicles.

Its almost inevitable that we will see an increase in automation across different industries, both during and after Covid-19. To what extent is unknown, but it could play a key role in the way we dine at restaurants, check-in to hotels, and everything else in-between.

Will we automate to help the environment?

With time more plentiful now, you may be asking yourself the question, "How has coronavirus helped the environment?". In the short-term its had a positive impact, with carbon emissions dramatically falling, creating cleaner air in the process.

You may have seen flamingos thriving off quieter roads and the cleaner air in Mumbai, and mountain goats making themselves at home in the streets of Llandundo. But, when this is all over, will our attitudes change, or will we just go back to traveling back-and-forward, pumping out carbon emissions and increasing our carbon footprint again?

If businesses are forced to look towards automation, will consumers look towards it when they choose their next car, for example? Choosing an electric vehicle over petrol or diesel means you wont need to visit the petrol station to fill up -- eliminating human interaction. Plus, youll reduce your carbon emissions to zero when driving. If you have worries over social distancing, knowing that you can e-charge your car at home -- with the right equipment -- it may sway you towards a greener lifestyle.

Year-to-date data for 2020 -- from the Society of Motor Manufacturers & Traders -- shows a 161 percent increase in the registration of fully-electric cars compared to 2019. Its a small increase, but it shows a potential shift towards a more environmentally friendly future, one that introduces an element of automation at the same time.

Manufacturers have already acknowledged this, with BMW, for example, being committed to having no less than 12 fully-electric models in their line-up over the next three-to-four years, with the German brand potentially offering an electric version of its popular 1 Series as early as 2021.

The fine balance between automation and interaction

Automation is likely to become more prominent in the coming weeks, months, and years, but striking the right balance between automation and human interaction could be key in the short-term if economies are to bounce back and communities to thrive like they did before this turned ugly.

Photo Credit: Wright Studio/Shutterstock

Thomas Bradley is a content writer at Lookers BMW.

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Empathy Is the Intersection Between User, Customer and Employee Experience – CMSWire

PHOTO:Denys Nevozhai on Unsplash.

What do design thinking, user experience, customer experience and employee experience have in common? They are all focused on empathy, learning how a person's experience with a business, product, service or employer can be improved.

Empathy is used in design thinking, UX, CX and EX to provide a better journey that is, to improve and personalize the touch points that a person has with a business, product, service or employee. Empathy can be a potent tool in the business toolbox, and can enhance products, services and businesses.

A 2019 report from BusinessSolver showed that 82% of employees would consider quitting their job for a more empathetic employer. More than three-quarters (78%) also said they would be willing to work longer hours for a more empathetic organization. In a report from Ipsos on behalf of PepsiCo Beverages North America, results showed that nine out of 10 consumers in the United States feel it is critical that brands show empathy and take measurable action if they want continued loyalty and support. Clearly, empathy is a core business value in 2020 and should be part of the corporate social responsibilities of socially responsible and successful businesses.

Design thinking is about understanding the needs, emotions, motivations and drivers of behaviors of customers and employees. Since design thinking is about empathy for another persons experience, its applicable for both employee experience and customer experience strategies, as well as user experience programs.

According toBrian Spain, consultant for InTouch Solutions, design thinking is a way to introduce people to thinking, concepts, or products and services through a lens that respects the perspective of the audience and works to incorporate audience feedback. Spain starts by gathering facts and observations and looking at a problem, or opportunity from a contextual perspective, before drilling down into details. He then begins the process of interviewing your audience (individuals, or small groups) to clarify assumptions and present them with very rough conceptual approaches, offerings or ways you would interact with them in order to gain their feedback in a back-and-forth way. At that point, Spain said its time to refine concepts or proposed interactions before more time is spent developing a complete finished product, service or experience. Design thinking is an iterative process that never really ends as it leads to further refinements, adjustments and changes as additional feedback is gathered and analyzed.

User experience (UX) design is the process in which a product or service comes together everything from acquiring and integrating the product or service, including branding, the design itself, usability and functionality. It revolves around the experience of the end user, what their expectations are, how they will use the product or service, how it feels to them when they actually get their hands on the product or service every aspect of their journey.

Husam Machlovi, CEO of With Pulp, a user experience design and development studio, said UX design is an ongoing process that aims at making better solutions for people. It starts with good listening skills. The users journey is the key to the design process and its important to understand what the stakeholder is trying to get done, what their frustrations are with the current method of doing things and what's working well. This is the case for any stakeholder, whether its an employee, customer or user. As with design thinking, the process never ends because it can always be improved. Once a solution is shared with stakeholders, design managers should observe and go through the listening process again," Machlovi said. "And then form a new hypothesis. And so on and so forth.

Customer experience (CX) is the king of the buzzwords right now because we live in a customer-centric world. CX starts when a prospective customer realizes they have a need that must be filled, continues through the period where they are searching for a solution, on through the decision to use a specific business, the purchasing process and on to the phase after which they have purchased and used the product, service or solution. They will either end their journey or hopefully continuing being a loyal customer. CX strategies may include the use of a customer data platform (CDP), a voice of the customer (VoC) campaign, as well as the use of extraneous data from email, reviews, feedback and word of mouth.

Alyssa Jarrett, director of brand and content marketing at Iterable, said her company learned that we must strive to learn what our customers want from us what can we provide them that they cannot get on their own at this very moment? Asking this question helps better empathize with your customers experiences and distill the message that serves them best.

Jarrett said its important to let customers know that the business understands and aligns with their values. Each of our customers is set upon their own unique journey," she said. "Its the marketers role to support them from touchpoint to touchpoint as if were doing it together. This comes from communicating in supportive ways that demonstrate we get it." She points to Penzeys Spices as an example. The company infuses marketing messages with viewpoints on social and political issues, calling out political leaders or inviting customers to buy and donate spice kits to those in need.

Employee experience (EX) is the journey employees undertake during their time with a business. It begins with the pre-screening process then the hiring and onboarding process, continues through training, the daily experience at work, on through promotions, and on to their last days with the business. Happy employees equate to happy customers so businesses that focus on EX tend to do better with CX as well. Employee feedback is crucial as are voice of the employee (VoE) campaigns, both of which provide insights to improve the employee journey.

Coonoor Behal, design thinking expert, founder and CEO of Mindhatch, said businesses should think of their employees as they do their clients. There's always a kind of primary and secondary customer," she said. "You have to serve your primary customer, like the people buying your service. You also need to design for your secondary customer, which is your employees. Much like design thinking, EX is about learning to empathize with the drivers of the behaviors, needs and emotions of employees. Behal suggested companies take a human-centered approach to actually understanding your employees and their needs and their wants and their challenges.

Related Article: What Design Thinking Can Bring to Employee Experience Programs

Empathy involves seeing another persons situation from that persons perspective and sharing that persons emotions and distress. This involves, literally imagining oneself as that person in the exact situation the person is currently going through. From a business perspective, being able to feel empathy for your customers and employees provides leaders with actionable insights that enhance products, services or solutions as well as the lives of customers and employees.

Sympathy, on the other hand, is used to convey compassion, pity, concern, care, commiseration or feelings of sorrow for someone experiencing something bad. In other words, while you might feel bad for the person, you dont know what it is like to be in their shoes.

Saleema Vellani, innovation strategist for World Bank Group andadjunct professor of design thinkingat Johns Hopkins University, said not understanding the difference between sympathy and empathy can cause serious problems for CX and EX teams. Sometimes when we're trying to practice empathy, we're actually mistakenly practicing sympathy," she said. "And even though these words have different meanings, a lot of teams are actually incorrectly using sympathy and empathy." Teams often make the mistake of thinking they are synonymous and "that confusion actually leads to a huge gap in addressing real human needs.

With design thinking, UX, CX and EX, it is not enough to have sympathy. To be able to improve the customer and employee journey, a leader must be able to put themselves in the mind of each person, whether they are a customer, end-user or employee. For example, they must be able to imagine how it feels for a new employee to start a job but not be able to fulfill their new tasks because of a week-long delay between when HR hired them and IT set them up with access to the required software or tools. Or a customer who has filled out a form on a business website and completed the credit card information, only to be directed back to the shopping cart because one of the items in their cart was out of stock and they have to re-enter their information all over again.

These are the types of intersection points or pain points in the employee and customer journey that require empathy. Each time a leader can place themselves in the shoes of a customer, user or employee, especially during one of the pain points in the journey, they can take action to improve that journey.

Vellani teaches her clients that design thinking is about increasing the connection between leaders and the people they serve through connection. The goal is to move to compassion. So empathy is a step up from sympathy. You're just stating, hey, I feel for you or I hear you, which is a step up from pity, which is like, I'm sorry for you. Sympathy is more like I feel for you. You're acknowledging the suffering of others, but you're not actually trying to feel what the other person is feeling. Empathy is more like 'I feel with you.'"

More than anything, it's about relationships and being able to develop authentic human connections between our business and our customers in our community, she said.

Vellani said design thinking cant happen without empathy and that empathy begins with self-awareness. This is where design thinking and innovation can be very much about output and empathy is part of the process. It's somewhere between input and output because you're trying to understand your user and you're trying to know your audience. But it's not just about trying to understand your audience it really starts with knowing who you are ... its about developing the capacity to have empathy.

Related Article: Can We Create Empathy in Others?

The definition of an empathy map, as defined by the Nielsen Norman Group, a UX research group, is a collaborative visualization used to articulate what we know about a particular type of user.

Understanding people and their motivations is key to any customer experience," said Adeline Heymann, associate VP of loyalty experience strategy atKobie. "You need to uncover motivations and unmet needs to inform a human-centered design that grows loyalty. Empathy mapping is a key design thinking tool to that end, allowing you to visualize and understand the end-user. It can be foundational to leveraging UX, CX and EX to better serve your customers.

To create a better journey for users, customers and employees, it is vital to empathize with them through each touchpoint. Heymann said UX, CX and EX all aim to create frictionless, integrated journeys for the end-user which will ultimately build loyalty over time. Theyre all based on holistic interactions and experiences with not only the company or product but also external forces like people and environment, which is particularly important as the goal is to determine which parts of the experience you can optimize to drive loyalty.

The empathy map is broken down into four areas which are largely based on the two types of empathy cognitive empathy and emotional empathy. Cognitive empathy is derived from acknowledging that a person is acting or feeling the way they do for reasons that are logical to them, while emotional empathy is more about feeling what a person feels for the reasons they feel that way. The four areas covered by an empathy map are:

What a user says is collected from user feedback, sales calls, interviews and usability studies. It might go something like this: I continue to use Amazon.com because they always direct me quickly to the product I am looking for.

What a user thinks requires empathy with the user, customer or employee and seeks to determine what a person may be thinking when they encounter a problem, stumbling block or bottleneck. It would look something like this: I have tried to add this item to my shopping cart three times but it is not appearing there when I check. Am I missing something?

What a user does is easier to figure out because data that is collected during their experience shows what they have done. It might be something like this: searches multiple times while trying to find a specific product or adds several items to the shopping cart, then abandons the cart before checking out.

What a user feels is more of an emotional breakdown of their experience and also requires empathy and imagination. It may go something like this: irritated: could not find what they were looking for or satisfied: they were directed immediately to the category of products they were looking for.

An empathy map cannot be created without first knowing what the user, customer, or employee feels strongly about and identifying the user, customer or employee touchpoints or pain points. But once created, it can be a valuable tool to understanding the needs, requirements and areas that can be improved in the user, customer or employee journey.

Related Article: Use Design Thinking to Put Yourself in Your Customers' Shoes

Bernard May, CEO of National Positions, an internet marketing firm, said "empathy really comes down to doing the right thing for everyone involved our customers, prospects, and our team. It is the difference between what works and what matters. There may be a million ways to create something that works, but it takes far more diligence and perspective to develop and implement something that truly matters when it comes to the brand experience.

There is a natural order among the practices, May said, and when it comes to the relationship between CX, EX and UX, the overall experience comes from the order in which they are considered and implemented."

Part of the EX is going to stem from the CX one is going to contribute to the other. May said to begin with the experience a business wants the customer to have.

"If this is e-commerce, you may want a streamlined experience so customers can easily find and purchase your product. For SaaS brands, you may want customers to realize the value your service offers, so your solution can be implemented in record time," May said.

The experience you want customers to have is going to fuel the user experience you create within your processes. From there, turn to the employee experience. "Employees want to feel connected and invested in your brand message, offering, goals, and overall values, which need to be considered in the content you create to breathe life into your user experience, May said.

By creating a positive experience for users and customers, employees will have a hands-down more positive experience themselves. Your employees are going to feel the effect of the user experience you create, positive or negative," he said. "So even the longevity and sustainability of your employees are going to be a factor when building and improving the customer and user experience. They are interconnected, but at the end of the day, the CX (strategy) needs to come first so that everything else can be built to support and bring this experience to fruition.

The bottom line is learning how people feel about the products they use, the experiences they have with a business, and the experiences they have as employees allows leaders to gain actionable insights to improve the journeys of the human beings that interact with their businesses. Empathy can improve customer and employee loyalty, create a greater level of personal satisfaction and contribute positively to ROI.

Business has always been and will always be based on relationships between humans," Vellani said. "And no matter how advanced we get with technology, skills like empathy are only going to increase in value.

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Empathy Is the Intersection Between User, Customer and Employee Experience - CMSWire

Global Anti-Senescence Therapy Market 2020 Business Strategies, Product Sales and Growth Rate, Assessment to 2025 – Cole of Duty

COVID-19 Updates We will be covering the overall impact of COVID -19 on the market value, market share & growth of the market and how the major players in the particular market are adapting these changes.

MarketResearchBazaar has added latest research report on Global Anti-Senescence Therapy Market, this report helps to analyze top manufacturers, regions, revenue, price, and also covers Industry sales channel, distributors, traders, dealers, Research Findings and Conclusion, appendix and data source.

The global Anti-Senescence Therapy market was valued at $XX million in 2019, and MAResearch analysts predict the global market size will reach $XX million by the end of 2026, growing at a CAGR of XX% between 2019 and 2026.

Download Premium Sample of the Report: http://marketresearchbazaar.com/requestSample/23572

In this report, the study analysis was given on a worldwide scale, for instance, present and traditional Anti-Senescence Therapygrowth analysis, competitive analysis, and also the growth prospects of the central regions. The report gives an exhaustive investigation of this market at country &, regional levels, and provides an analysis of the industry trends in each of the sub-segments, from sales, revenue and consumption. A quantitative and qualitative analysis of the main players in related regions is introduced, from the perspective of sales, revenue and price.

According to Research, the global Anti-Senescence Therapy market was valued at USD xxx million in 2019, and it is expected to reach a value of USD xxx million by 2026, at a CAGR of xx% over the forecast period 2021-2026. Correspondingly, the forecast analysis of Anti-Senescence Therapy industry comprises of Asia, North America, South America, Middle East and Africa, Europe, with the sales and revenue data in each of the sub-segments.

At the upcoming section, this report discusses industrial policy, economic environment, in addition to the fabrication processes and cost structures of the industry. And this report encompasses the fundamental dynamics of the market which include drivers, opportunities, and challenges faced by the industry. Additionally, this report showed a keen market study of the main consumers, raw material manufacturers and distributors, etc.

Geographically, this report is segmented into several key Regions, with production, consumption, revenue (M USD), market share and growth rate of Anti-Senescence Therapy in these regions, from 2014 to 2026 (forecast), covering

Asia-Pacific (China, Japan, Korea, India and Southeast Asia)

North America (United States, Canada and Mexico)

Europe (Germany, France, UK, Russia and Italy)

South America (Brazil, Argentina, Columbia)

Middle East and Africa (Saudi Arabia, UAE, Egypt, Nigeria and South Africa)

Global Anti-Senescence Therapy market competition by top manufacturers, with production, price, revenue (value) and market share for each manufacturer, the top players including

Unity Biotechnology

Siwa Therapeutics

Calico LLC

AgeX Therapeutics

Numeric Biotech

Human Longevity

Cleara Biotech

OisinBiotechnologies

Recursion Pharmaceuticals

Sierra Sciences

Proteostasis Therapeutics

Senolytic Therapeutics

Allergan

On the basis of product, this report displays the production, revenue, price, market share and growth rate of each type, primarily split into

Gene Therapy

Immunotherapy

Others

On the basis on the end users/applications, this report focuses on the status and outlook for major applications/end users, consumption (sales), market share and growth rate of Anti-Senescence Therapy for each application, including

Cardiovascular Diseases

Neural Degenerative Diseases

Ophthalmology Disorders

Others

If you have any special requirements, please let us know and we will offer you the report as you want.

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Major Point of TOC:

Chapter One: Anti-Senescence Therapy Market Overview

Chapter Two: Anti-Senescence Therapy Market Segment Analysis by Player

Chapter Three: Anti-Senescence Therapy Market Segment Analysis by Type

Chapter Four: Anti-Senescence Therapy Market Segment Analysis by Application

Chapter Five: Anti-Senescence Therapy Market Segment Analysis by Sales Channel

Chapter Six: Anti-Senescence Therapy Market Segment Analysis by Region

Chapter Seven: Profile of Leading Anti-Senescence Therapy Players

Chapter Eight: Upstream and Downstream Analysis of Anti-Senescence Therapy

Chapter Nine: Development Trend of Anti-Senescence Therapy (2020-2029)

Chapter Ten: Appendix

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Global Anti-Senescence Therapy Market 2020 Business Strategies, Product Sales and Growth Rate, Assessment to 2025 - Cole of Duty

Another Bankruptcy For Germanys BBS Wheels As It Turns 50. – Forbes

Legendary German Formula One driver Michael Schumacher took Ferrari to five world championships on ... [+] BBS wheels, to add to his two championships with Benetton. Photo by Martin Rose/Bongarts/Getty Images

Formula One and Indycar supplier BBS GmbH filed for bankruptcy protection in Germany today for the third time in 13 years, on the eve of its 50th anniversary.

Its contract to supply wheels for next years entire Nascar Cup Series field is not believed to be at risk, with BBS purchasing them off its key Formula One supplier, Japans Washibeam.

BBS, which made the poster wheels for every race- and sports-car fan in the 1990s, has taken some of the worlds most famous drivers to victory everywhere from Le Mans and Indianapolis to Formula One.

They were the aftermarket wheel of choice for generations of performance-car owners and made of the poster wheels for every race- and sports-car fan in the 1990s.

Most of the Indycar Series field uses BBS wheels. Photo: Stacy Revere/Getty Images

Famous for their invention of three-piece racing wheels and criss-cross spoke patterns, BBS GmbH announced its bankruptcy on its website today, describing it as a necessary step to prevent an imminent insolvency.

Blaming its troubles on the Coronavirus pandemic, BBS stated it found itself in financial trouble due to the sudden omission of confirmed payments.

The ancestors of the BBS Super RS design graced thousands of sports car posters in the 1980s and ... [+] 1990s. Photo: BBS

This is not new territory for BBS, which declared bankruptcy in 2007 as well, before being rescued by Belgiums Punch International, and then declared bankruptcy again in 2011 before being taken over by South Koreas Nice Corp.

BBS wheels are found on road cars from Ferrari, Porsche, Mercedes-Benz, Audi, BMW, Volkswagen, Toyota, Volvo, Lexus, Jaguar, Infiniti, Rolls-Royce and Subaru.

BBS went in a different design direction for the Lexus ISF wheel. Photo by Spencer Weiner/Los ... [+] Angeles Times via Getty Images

It once dominated high-end performance car wheels, including the Ferrari F40, the Lexus IS-F and an untold numbers of Porsches.

The market slowdown that came with the Covid-19 pandemic forced BBS to shutter both of its production plants, leading to the bankruptcy filing in the court in Rottweil (yes, like the dog).

Being traceable to the currently tough market environment in the automotive branch, BBS situation deteriorated further due to the Corona(sic)-Lockdown which led to a temporary shutdown of the production at both BBS plants, the companys statement read.

However, the key message we want to deliver to you is that the BBS production keeps on running the supply of all our OE and AM customers with BBS wheels is secured!

Prior to the insolvency BBS already initiated an extensive turnaround strategy for the whole company. This new strategy based on BBS AM wheels as focal point will be continued under the guidance of the insolvency administrator.

One of its two administrators, Thomas Oberle, has been here before with BBS, having been appointed as an administrator of BBS International GmbH in 2011, before BBS became BBS GmbH.

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Another Bankruptcy For Germanys BBS Wheels As It Turns 50. - Forbes

How Will Revisions to the US Bankruptcy Code Impact Landlords? – National Real Estate Investor

Recent revisions to the U.S. Bankruptcy Code might open the door to headaches and heartaches for landlords that rent to small businesses.

In August 2019, Congress created whats known as Subchapter 5 of the Bankruptcy Code. Subchapter 5 is designed to streamline the Chapter 11 bankruptcy process for small businesses and slash their legal bills, according to Robert Dremluk, a partner in the New York City office of law firm Culhane Meadows Haughian & Walsh PLLC who specializes in bankruptcy cases.

Subchapter 5 went into effect this February. A month later, Congress tweaked Subchapter 5 as part of the federal CARES Act, aimed at helping the U.S. recover from the coronavirus pandemic. A major change in Subchapter 5 that will be on the books till next spring raises the cap on secured and unsecured debts for a small business to qualify for Chapter 11. The threshold jumped from a little over $2.7 million to $7.5 million. The idea was to create an easier path for companies to reorganize, Dremluk says.

Legal observers say the re-engineered Subchapter 5 could invite even more small businesses to file for Chapter 11 bankruptcy reorganization and, therefore, entangle more landlords in bankruptcy proceedings.

Other provisions of Subchapter 5 might also entice small businesses to head to bankruptcy court. They include:

The debtor-friendly Subchapter 5 makes no mention of landlords, notes Katey Anderson Sanchez, a bankruptcy attorney in the Phoenix office of law firm Ballard Spahr LLP. However, she adds that some businesses that in the past might have shied away from Chapter 11 bankruptcy now might find this path more worthwhile. In turn, that could put more landlords in the crosshairs of small business bankruptcies. How so? For one thing, Subchapter 5 weakens the power of a landlord or any other creditor to stop a reorganization plan from being finalized.

Sanchez notes, though, that landlords retain a lot of rights in Chapter 11 cases filed by tenants. She sees nothing in the Subchapter 5 language itself that should give a debtor a definitive edge over a landlord.

Landlords are in a really good position to say, Hey, you know youve got to pay us, Sanchez says. Theres no additional ability for a small business owner to change the terms of a lease or anything like thatnot any more than there is any other chapter of the code.

Through the lens of Subchapter 5, Dremluk sees some positives for landlords. Primary among them is that letting a small business restructure its debt under Subchapter 5 means that a tenant might stand a better chance of keeping its doors open and keeping up with its lease obligations, he notes. He adds that Subchapter 5 paves the way for more small businesses to negotiate with landlords, since some cash-strapped tenants previously found it too expensive to plow through the Chapter 11 bankruptcy process.

From his perspective, Neal Salisian, founder and co-managing partner of Los Angeles law firm Salisian Lee LLP, says the recent changes in the Bankruptcy code could lead to debtors leases being ripped up. He frequently represents commercial real estate landlords and lenders.

The way that would work is that the tenant could be in a particular space, not paying rent during a moratorium, and have other financial issues during that time that result in a bankruptcy filing. At this point, the whole lease would fall under the proceedings and likely get invalidated, Salisian says. Ultimately, this could be very bad combination of factors for a landlord, leading to months and months of unpaid rent and unoccupied space.

The result of that sort of scenario could be bankruptcy declarations on the part of the landlords themselves, Salisian says.

It remains to be seen how widely Subchapter 5 will be used by small businesses, according to Rory Vohwinkel, a bankruptcy attorney with Las Vegas law firm Vohwinkel & Associates Ltd. For the most part, small businesses are holding off on bankruptcy filings due to uncertainty over their current and future finances, attorneys say. However, legal observers anticipate a near-tsunami of small business bankruptcies to start when that uncertainty subsides.

Once those impediments go away, I think youll see an upsurge in the use of Subchapter 5, Dremluk says. I think a lot of small businesses that have hung on though COVID will see this as an opportunity to clean up their balance sheets, reorganize their business and go forward. But currently, the environment is not really suitable for that.

Vohwinkel and other attorneys are closely watching a Chapter 11 case thats already being pursued under Subchapter 5. Texas-based restaurant chain Texas Root Burger hopes to reorganize through Chapter 11 and to walk away from some of its locations, the Wall Street Journal reported. The newspaper points out that Subchapter 5 might force creditors like landlords to quickly head to the negotiating table with tenants that have filed for bankruptcy under Chapter 11.

We are all waiting to see how that case proceeds, as it could be precedent-setting, Vohwinkel says.

As the business community at large adopts a wait-and-see attitude about the coronavirus pandemic and corporate finances, Dremluk suggests that landlords educate themselves about Subchapter 5.

My recommendation would be for landlords to understand the process, become familiar with how it works, how its different from what you might have understood the process to be, he says. A landlord whos asleep at the wheel potentially could end up losing their rights, whatever they may be.

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How Will Revisions to the US Bankruptcy Code Impact Landlords? - National Real Estate Investor

Mark McCown: Bankruptcy works in certain circumstances – The Tribune – Ironton Tribune

Dear Lawyer Mark: I have a question about bankruptcy.

I got stuck with a mortgage payment that went way up last year and couldnt pay my other bills.

Well, the bank took my house and sold it at the courthouse, and we rent now. The thing is, I put a bunch of medical bills and groceries, utilities and what-nots on my credit cards when I was paying my mortgage payment and so I cant pay those no more.

My other problem is that my mom is dying and wants to give me her house, but the credit card companies told me they would take it if I dont pay them and bankruptcy dont matter.

The house aint worth much, but it looks like that and my old beat up car is all Ill have, since the government wants to bail out everyone but me. Can I file bankruptcy and get rid of the credit cards? WORRIED IN SOUTH POINT

Dear Worried: Whether bankruptcy will work for a person is entirely dependent upon that persons unique set of circumstances.

There are several types of bankruptcy, but the most common one for individuals is called Chapter 7. The first thing that you need to know is that Chapter 7 generally gets rid of unsecured debts, like credit cards, and it sounds like the collection agent who spoke to you was not being truthful.

Debt for which you have given collateral, such as a mortgage on a house, or a title for a car loan, are called secured debts. With secured debts, you generally have three options: surrender, reaffirmation, or redemption. Surrender means giving the collateral to the creditor, and the debt is then forgiven.

Reaffirmation means you keep the collateral and agree to keep paying the debt under either the same terms as you were, or under new terms negotiated by your lawyer. Redemption means you pay the creditor a lump sum and keep the collateral.

Of course, you cant keep a mansion and walk away from the debt (unless you got part of that bailout you were talking about), so the law says how much you can keep. These are called exemptions, and vary state to state. In 2008, Ohio greatly increased some of its exemptions. For example, you can now have equity, which is the amount something is worth minus what you owe on it, in the amount of $20,200 per individual in residential real estate. That means that a married couple could have $40,400 of equity in a house, and still save it in a bankruptcy. Previously, the maximum would have been $10,000 for a couple.

Likewise, a person can now have $3,335 of equity in a car, and $10,725 worth of furniture and appliances.

The most important part of the law is the fact that it is tied to the consumer price index. This means that the amount of exemptions will increase automatically every three years.

I highly recommend you speak to a bankruptcy lawyer about your individual case. Most dont charge for an initial consultation, and he or she can better advise you according to your total financial situation.

Its The Law is written by attorney Mark K. McCown in response to legal questions received by him. If you have a question, please forward it to Mark K. McCown, 311 Park Avenue, Ironton, Ohio 45638, or e-mail it to him at LawyerMark@yahoo.com. The right to condense and/or edit all questions is reserved.

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Mark McCown: Bankruptcy works in certain circumstances - The Tribune - Ironton Tribune

Struggling with debt? Here’s what to consider before filing bankruptcy – restaurant-hospitality.com

In the restaurant industry, bankruptcy has long been seen as a last resort for small business owners, indicative of admitting defeat and likely resulting in liquidating assets and closing up shop for good.

But thanks to a new law passed shortly before the coronavirus pandemic began the Small Business Reorganization Act its easier and less expensive for small businesses with less than $2.7 million in debt to file for Chapter 11 bankruptcy.

We spoke with Joseph Pack, a New York and Florida-based bankruptcy attorney and founder of Pack Law, about destigmatizing bankruptcy for small businesses, and what restaurant owners can and should do if they find they cant pay their rent, vendors, or lenders during the ongoing COVID-19 pandemic crisis.

Get on the phone and renegotiate with your lenders

When trying to get out of the hole of massive debt, the most important skill is clear and honest communication with your landlord, vendors, bank and investors.

Owners should be getting on the phone with their bank and other lenders, Pack said. If they can afford to pay off their debt, they might want to enter a new modification of the loan than they had before thats subject to realistic projections. Get on the phone with your lenders, even the person you bought your stove or espresso machine from, and figure out what their attitude is toward your reduced revenues.

Pack broke it down with a simple example: If youre paying off a high-end commercial espresso machine with $400 in monthly payments and now, because of the COVID-19 pandemic, you are unable to make your monthly payments, then get on the phone with the espresso machine seller and ask for a modification of obligation.

The lender is thinking, I could get $5,000-$6,000 for this $10,000 machine, or this restaurant owner could go into bankruptcy and their assets will be auctioned and then Ill be lucky if I get $250 from that, Pack said. Then the lender will be probably more likely to work with you than ever before.

He warned, however, that business owners should be careful to not just ask for payment forgiveness because thats just temporary.

Its not just about making payments; its also about debt covenants [agreements that a debtor will operate within the paradigms of a loan], Pack said. You have to make certain requirements on a monthly basis. The loan could still be in default even with payment forgiveness. There needs to be a sit-down and discussion about renegotiating obligation.

Do not consolidate your debt

One of the most common solutions struggling business owners consider is to consolidate debt. Even though that might sound like a smart way to mitigate a growing mountain of debt, Pack said, I have never met a business operator who said, Boy, Im glad I consolidated my debts! That was a real lifesaver!

Lets say you have a loan at 1% interest, and you have another loan at 10% interest, and you go to a loan consolidation company and they combine those two loans into one $2 million loan at 5% interest, Pack said. Now, if you somehow come into $1 million and can pay down your debt, instead of paying off the original loan with 10% interest and only having to pay the loan at 1% interest, now youre stuck with paying off half of a loan at 5% interest.

Pack added that leaving your loans unconsolidated also benefits businesses filing for bankruptcy because its always in the debtors favor to have multiple lenders to pick off obligations and debt. With one large debt, you are basically at their whim and dont have room to negotiate.

If you have to file for Chapter 11 bankruptcy, do so under the new Subchapter V of the bankruptcy code

Pack said that he wanted to destigmatize the concept of filing for bankruptcy, which contrary to popular belief does not mean you have to sell your business or close your doors completely. Filing for Chapter 11 has previously been mostly associated with larger companies that can afford federal court proceedings. But a new law, the Small Business Reorganization Act, which was passed in August 2019 and went into effect in February, helps small business approaching bankruptcy options.

The new Subchapter V of the Chapter 11 bankruptcy code allows small businesses with up to $7.5 million in debt to seek reorganization with the goal of keeping control of their business and their equity. Before the pandemic, the maximum debt was $2,725,625, but the eligibility standard was temporarily expanded under the Coronavirus Aid, Relief and Economic Security, or CARES Act, in March.

Small businesses dont have to pay their lenders in full as long as they create a payment plan based on their balance sheet and cash flow within 90 days of filing, give their discretionary income to their creditors, and pay off as much of the loan as they can within three to five years.

The [bankruptcy court] knows no one can run your Italian restaurant other than you and that you need to be there to make the pizza, Pack said. If the business is sold off to some private equity firm who have no idea what theyre doing, no one is going to want to eat the pizza and the restaurant will close anyway. [This plan] lets you keep your equity and your restaurant as long as you do your best to pay what you can over the next few years.

Contact Joanna Fantozzi at [emailprotected]

Follow her on Twitter:@joannafantozzi

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Struggling with debt? Here's what to consider before filing bankruptcy - restaurant-hospitality.com

Euthanasia referendum: This is it – the End of Life bill will stand or fall exactly as it is – Stuff.co.nz

Parliament has done its work, writes Ann David. It has balanced the need of the dying who meet certain additional criteria to legally escape their torment against the desire of all of us to ensure that only that cohort accesses a requested assisted death.

OPINION: If by right to die with dignity we mean the right to reject deathbed torture then yes, I believe we should have that right.

The Health select committee examining the views of Kiwis on assisted dying in 2017and the Justice select committee that received submissions as part of parliamentary process in 2019 were both presented with multiple stories of horrifying deaths in our country.

In some cases, the dying experience their death as a torture through which they are dragged due to the lack of a merciful legal option to avoid it. Their families are wracked by the suffering of their loved ones.

These submissions came from ordinary people up and down the country stories from hospices, from hospitals, from rest homes. It appears there is no setting in NZ that is immune from the scourge of suffering death, not even in top class palliative care.

READ MORE:* My biggest hope for the election is an increased turnout* End of life choice comes down to compassion * Act 'offers choice, not compulsion' * Assisted dying conscientious objection questions too early - court * Assisted dying referendum: why NZs law lacks necessary detail to make a fully informed decision

I have suffered such a death in my family. Perhaps you have too?

For that reason, I attentively followed the passage of the End of Life Choice Act 2019 from its introduction in June 2017 through to obtaining Royal Assent in November 2019. It went through all the usual parliamentary processes in the glare of the media. The time allowed for public submissions was extended from the usual threemonths to ninemonths. MPs who make our laws also made submissions. In the end, parliament voted 69:51 to pass the End of Life Choice Act 2019 as it is now.

No piece of legislation in the history of the NZ parliament has been through more thorough scrutiny. Parliament has done its job and now hands us back this law for our approval or rejection at the referendum.

To imagine it can now be changed is ignorant. The law does not allow any further change at this point. The End of Life Choice Act 2019 will stand or fall exactly as it is on 19 September. It is Yes or No or abstain from voting on this topic. See http://www.referendums.govt.nz

Parliament has done its work. It has balanced the need of the dying who meet certain additional criteria to legally escape their torment against the desire of all of us to ensure that only that cohort accesses a requested assisted death. Enablement balanced by safety.

Every year in New Zealand, many death-hastening actions take place without the regulation or oversight that the End of Life Choice Act 2019 would provide. These include decisions by patient or family to switch off life support that will inevitably end in swift death and decisions by patient or family to reject medical interventions to extend terminal life, thereby leading to earlier death. They are perfectly legal decisions. Never do we hear a suggestion of coercion or abuse in these everyday situations.

Yet they are ripe for exploitation, unregulated as they are. Who protects the patient against such a possibility? One single doctor. No specific regulation governs these decisions or their execution but it seems we, as a society, are perfectly satisfied with this status quo.

It is therefore ridiculous to imagine danger when the additional safeguards of proper regulation and a two-doctor process are added as specified in the Act. In fact, it defies logic.

NZ law should be based on fact, not fanciful conjecture. The fears related to the introduction of medically assisted dying have no basis in fact. They are not observable anywhere in the world where assisted dying is practiced, covering some 200 million people. If our team of 5 million votes Yes, then 205 million people will have the right to avoid unwanted deathbed torture.

Make it so.

Ann David is a member of theEnd of Life Choice Society NZ, whose objective is to have assisted dying legalised in NZ.

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Euthanasia referendum: This is it - the End of Life bill will stand or fall exactly as it is - Stuff.co.nz

Animal Foundation Not Taking In Strays, Temporarily – Talk Radio 1210 WPHT

LAS VEGAS, NV (KXNT0 - The Animal Foundation says that for the time being, they won't beaccepting stray animals at its shelter.

The decision was made in order to reduce contact between guests and shelter staff.

In addition, the Animal Foundation is also temporarily suspending owner surrenders, while conducting owner-requested euthanasia and return-to-owner services by appointment only.

The foundation is recommending thatpeople who find lost petsusesocial media such as Nextdoor, Facebook to unite the pet with their owners, or to postthe pet on the lost pet search websitefindingrover.com.

Owners cansearchanimalfoundation.com/lostandfoundto seeif their pet has been brought to the Animal Foundation, and make an appointment to claim their pet.

An appointment can be madeby calling 702-955-5932.The foundation says that proof of ownership, such as photo of pet, veterinary records, or microchip number, is required.

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Animal Foundation Not Taking In Strays, Temporarily - Talk Radio 1210 WPHT

Break out tissues; ‘Lost Companions’ will touch your heart – The Guam Daily Post

The food bowl has been washed, and tucked away safe in a high cabinet.

No one asks you to roll a ball down the hallway anymore. The squeak of soft toys no longer interrupts your TV shows these days; in fact, it's too quiet now and you hate it. Even worse, there's a reason why these things are so, and in "Lost Companions" by Jeffrey Moussaieff Masson, you'll read thoughts on the loss of your pet.

What a "miracle" it is that we have pets: here we are, different species that feel "a deep and ancient longing" to be with one another. Such a thing "delights" Masson, perhaps because he's had animal companions his entire life.

The problem, as all animal lovers know, is that pets don't live as long as people do.

We know, the moment we get a new fluff, that we're going to grieve that pet someday; just thinking about it is a grief all on its own. Masson believes that animals are also aware of their mortality, but we can't get inside their minds to know what they think about it and perhaps euthanasia is utilized too hastily.

When a pet dies, "we are simply not prepared for this ... we want our beloved companions to live longer." We may be surprised at the depth of the raw emotion we feel; Masson quotes (and marvels at) several people who say they grieved harder at the loss of a pet than they did for a human. We should, therefore, never "belittle the grief of others" when it comes to pets, which includes when our pets exhibit grief and they do.

Says Masson, "You could say grieving makes us human, or you could also say, grieving makes us just another animal."

It's awfully hard to determine the exact point of "Lost Companions."

Yes, it's about losing a pet, and the emotions you inevitably feel about it. But author Jeffrey Moussaieff Masson also delves deeply into the deaths of wildlife, livestock and humans, which are not at all the only off-topic topics. He also writes particularly gruesomely about dog-meat markets, and he touches upon veganism, and "companion" versus "owner." To continue, the tedious, already-hashed-over subject of whether or not pets love us is brought forth again, and Masson argues strongly against The Final Kindness, saying he can't imagine it, but admitting that he's never witnessed it.

And yet.... (heavy sigh).

If you've ever lost a pet, you know you need to read this book, the on-point of which arrives with fewer than 100 pages to go. You know you've been there, and you might be there again, and that maybe, possibly, there's another way to ease your grief, some way you haven't yet encountered. It might be here. It might.

Indeed.

This is a three-tissue book but Masson gives you room: it's not a cry-fest until quite a way in. Keep that in mind, and have your tear-wipes nearby: if you've recently lost a furry loved one, "Lost Companions" may bowl you over.

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Break out tissues; 'Lost Companions' will touch your heart - The Guam Daily Post

Immortality or Bust – Film Threat

Immortality or Bust follows the 2016 presidential candidacy of Zoltan Istvan from the Transhumanist Party. If someone believes that immortality is possible and wants to run for president, their name better be Zoltan.

Transhumanism is the belief or theory that the human race can evolve behind its current physical and mental limitations with the help of science and technology. Now, whether you believe in Transhumanism or not, it does not make this documentary in less interesting. Zoltans life story sounds like a sci-fi film.

In his twenties, Zoltan Istvan traveled the world on a sailboat by himself with five hundred books aboard. In his more recent years, he had the idea to drive across the country in a coffin bus (Yes, a coffin bus) to raise awareness of Transhumanism. While doing so, he also reveals that he was running for president in 2016. At this point, just about anyone run for president, except Kanye West, he was a bit late to the party.

During the documenting of his trip and candidacy, we are given information about how technology has evolved and how it relates to human life. At one point, Zoltan talks about a heart that runs on wifi and is meant to be a life-long replacement for a human heart. We are also taken into a facility that houses frozen human bodies in hopes of waking them up/bring them back to life when science has a way of doing so and curing whatever illnesses they may have.

Zoltan talks about a heart that runs on wifi and is meant to be a life-long replacement for a human heart.

This idea of wanting to extend life is one thing, but to be immortal is something I really question. Why would anyone want that? There are far too many ethical and moral issues that come with this idea. The documentary explores these issues a bit, but not enough. It is definitely a one-sided argument and an agenda-driven documentary. With that being side, it is still quite interesting. Zoltan (along with others) gives his reasons for wanting to look further into technology to help evolve the human lifespan. Although some might have decent reasons, some are just hilarious. Zoltan often uses sex as reasoning. He talks about being able to have a heart that can withstand sexual interactions when you are older and then talks about how technology can and has made way for people to experience sexual activities while being in completely separate locations.

There is somewhat of an uneasy moment in the film. The film opens with Zoltan and his mother crying, but it is not clear why. It is not until the end of the film. It is made clear. They are crying over Zoltans fathers dead body. I get that this can push his argument further, but its also something very personal that a normal human being would probably not want on camera.

Immortality or Bust could be a documentary that is meant to sway a persons view on Transhumanism, but it is also a story of an interesting man with interesting (or far-fetched) ideas. It is surprisingly a quick watch even though it is a little more than an hour and thirteen minutes in length. Much of the documentary will also make you think of classic sci-fi movies that show how technology can change the world. Its not a good thing when Zoltan keeps mentioning Jurassic Park in his argument. We all know what happens there.

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Immortality or Bust - Film Threat

Study Suggests Med Diet Benefits Cardiovascular Health of Firefighters – Olive Oil Times

A recent study by scientists from Harvard Universitys TH Chan School of Public Health found that adherence to the MEDI-Lifestyle significantly reduced the risk of hypertension and improved aerobic capacity in Americas young firefighters.

The study, which was published in the Journal of Occupational and Environmental Medicine, suggested that introducing healthy lifestyle habits, including the Mediterranean diet, in fire training academies could help boost the benefits of firefighters physical training and improve their cardiovascular health.

U.S. firefighters have been identified as being at high risk of cardiovascular disease and sudden cardiac death due to the strenuous nature of their work coupled with conventional risk factors, including obesity and high blood pressure.

The researchers believe that if this study was followed up with further research it could lead to the Mediterranean diet and other lifestyle changes being promoted as abeneficial new approach to better health in firefighting academies.

The study focused on almost 100 new recruits from two different firefighting training centers. The volunteers, who were mostly males with an average age of 25.6years, were required to complete MEDI-Lifestyle questionnaires in order to assess their lifestyles.

Participants answered questions about their weight, sleep patterns, adherence to aMediterranean diet, smoking habits, physical activity and number of hours spent watching television.

A point was awarded for each healthy characteristic and ascore of between five and seven was considered to be good. Participants with the least healthy lifestyles achieved scores of between zero and two.

Higher scores were found to be linked to increased physical fitness and less body fat. It was also discovered that higher scoring recruits were less prone to hypertension and for every extra point scored the risk of hypertension fell by 36 percent.

A high MEDI-Lifestyle score also increased aerobic capacity. Every extra point scored was noted to double aerobic capacity. High levels of physical activity and plenty of sleep were also noted as contributing factors to better aerobic capacity.

Our results suggest that fire academy interventions designed to increase healthy lifestyle habits overall could add additional benefits to the physical fitness training traditionally provided in academy settings, co-author Stefanos NKales told News Wise.

Kales co-authored an earlier study in 2014, which concluded that aMediterranean-style diet was beneficial for reducing the risk of heart disease and metabolic syndrome in participating firefighters.

However, this was the first study to focus on the beneficial effects of amodified Mediterranean-style diet in young U.S. firefighters. Previous studies had concentrated on older people, participants with pre-existing health conditions and Mediterranean populations.

This initial study first sparked the idea that educating American firefighters on the benefits of the Mediterranean diet and encouraging them to improve their dietary habits could be an effective way to improve their overall health and reduce their risk of cardiovascular disease.

The 2014 study concluded that firefighters who followed the modified Mediterranean-style diet were less prone to be obese, had lower body fat and were more physically fit. Obese firefighters and those whose diets were rich in fast foods and sugary beverages scored lower than firefighters with healthy eating habits and those of normal weight.

Participants who adhered to the modified Mediterranean-style diet also reported lower levels of LDL (bad) cholesterol and higher levels of HDL (good) cholesterol, which suggested alower risk to heart disease and a35-percent reduced risk of metabolic syndrome compared to low scoring participants.

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Study Suggests Med Diet Benefits Cardiovascular Health of Firefighters - Olive Oil Times

Global Pearl Extract Market to Record Exponential Compound Annual Growth Rate in the Coming Years – 3rd Watch News

Introduction:

Skincare market has witnessed immense growth over the past years with its popularity growing day by day. For years manufacturers of skin care products are focusing on introducing skin care products with natural and organic ingredients. This includes natural ingredients such as fruits and plants extract or even mud. Apart from this, there has also been growing demand for products such as pearl extracts which consist of essential amino acids that help skin to look youthful. The nacre of the pearl helps stimulate the metabolic activities of the genetic material in the cell thus accelerating the cell regeneration process. All types of mollusks can produce peal extract, however, two groups of pearls known as bivalves or clams can produce nacreous pearls which are highly significant forms of pearls produced. Pearl extracts are an excellent alternative for various types of synthetic skin care products and are widely used for acne treatment. The global pearl extract market is expected to witness significant growth in the near future due to its extensive benefits in the skincare space.

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Pearl Extract Market Segmentation

Global pearl extract market is segmented on the basis of source, end use, and sales channel. On the basis of source, the global pearl extract market is segmented into, freshwater pearls and saltwater pearls. Pearl extract obtained from freshwater is of great significance and hence would contribute a significant market share in the global pearl extract market. A wide variety of pearl extracts have been introduced in the recent past years to help deal with skin care problems thus accelerating the market growth of the pearl extracts market. On the basis of end use the global pearl extract market is segmented into, cosmetic industry, medical industry and other industries. Cosmetic industry segment can be further sub-segmented into, skin moisturizers, skin whitener, skin repair, and others. In medicine, pearl extract is widely used as anti-inflammatory and detoxification agent. The global pearl extract market is expected to witness significant revenue generation over the forecast period. On the basis of sales channel, the global pearl extract market is segmented into, direct and indirect sales channels.

On the basis of the region, the global pearl extract market is segmented into, North America, Latin America, Europe, Asia Pacific and the Middle East and Africa. Europe is estimated to account for the largest market share in the global pearl extract market as growing number of manufacturers of skin care products are realizing the benefits of pearl extract and hence are incorporating it into their products thus, contributing towards the market growth. Asia Pacific and North America market are expected to account for a considerable market share in the global pearl extract market. Pearl extracts are aragonite (CaCO3) and traces of conchiolin, a silk-fibroin like compound which make it extremely beneficial in the skin and medical treatment. For example, pearl extract can be helpful for individuals with low calcium content and improve the condition called osteoporosis. Japan is one of the largest pearl producers in Asia Pacific market with Australia, Philippines, Myanmar, and Malaysia being the other major producers.

Pearl Extract Market Global Market Trends and Market Drivers:

Pearl extract is widely used as an extremely important ingredient in a number of skin care applications and constitutes a range of anti-aging and anti-acne benefits. The pearl extract powder is either available in the form of oral tablets or as an ingredient in a number of applications. Increasing awareness with respect to the essential benefits of pearl extracts in skin care industry is expected to result in its accelerated market revenues over the forecast period. Pearl extracts provide anti-inflammatory, moisturizing, skin-replenishing, anti-infective properties resulting in youthful skin and glow. Pearl extract works by promoting skin regeneration thus slowing the ageing process and delivering younger natural skin. Increasing demand for natural skin care products is expected to contribute towards increasing market revenues for pearl extract market. However, lack of supply and high prices of pearl extracts is expected to hamper the overall market growth over the forecast period.

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Pearl Extract Market Key Players:

Variety of pearl extract have been introduced by the manufacturers and some of the global market players manufacturing pearl extract market include, Beiersdorf, Pacifque Sud Ingrdients, Croda Inc., Longevity Power Inc., Southern Cross Botanicals, Essential Oils of Tasmania and others.

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Global Pearl Extract Market to Record Exponential Compound Annual Growth Rate in the Coming Years - 3rd Watch News