Monthly Archives: June 2021

Study States That Diet Rich in Sugar and Fat Contributes to Skin & Joint Inflammation – Bel Marra Health

Posted: June 24, 2021 at 11:38 pm

New research shows that switching from a Western diet to a balanced diet could help you reduce skin and joint inflammation. The study led by UC Davis Health researchers states that the reduction may be due to a better-balanced gut microbial culture.

Published in the Journal of Investigative Dermatology, the study suggests that cutting out sugar and fat and consuming a more balanced diet can help you restore gut health, which can suppress skin inflammation that may otherwise contribute to inflammatory skin diseases such as psoriasis.

Psoriasis is a chronic skin condition linked to the bodys immune system. Healthy skin cells are attacked mistakenly by immune cells, which cause skin inflammation and the formation of scales and itchy red patches.

Approximately 30% of patients with psoriasis also have psoriatic arthritis, which causes morning stiffness and fatigue, pain in joints, swollen fingers and toes, and changes to nails.

Previous studies have shown how diet can influence psoriasis through microbial balance in the intestines and skin inflammation. Consuming a traditional Western diet can cause a rapid change to the guts microbial community and its functions. This disruption, called dysbiosis, can contribute to gut inflammation.

For the new study, researchers wanted to test whether intestinal dysbiosis affects skin and joint inflammation. A mouse model was used to study the effects of diet on psoriasis and psoriatic arthritis. The mice were injected with Interleukin-23 (IL-23) minicircle DNA to induce a response mimicking psoriasis-like skin and joint diseases.

IL-23 is a protein created by the immune cells responsible for many inflammatory autoimmune reactions. This includes psoriasis and inflammatory bowel disease (IBD).

Researchers found that a short-term Western diet appears sufficient to cause microbial imbalance and to enhance susceptibility to IL-23 proteins that can lead to skin inflammation.

There is a clear link between skin inflammation and changes in the gut microbiome due to food intake, said Sam T. Hwang, study author. The bacterial balance in the gut disrupted shortly after starting a Western diet, and worsened psoriatic skin and joint inflammation.

The study went on to show that eating a diet high in sugar and fat is a major contributor to skin and joint inflammation. However, it can be changed by switching to a more balanced diet. The improvement in skin inflammation seen in mice taken off the Western diet indicated a short-term impact of the Western diet on skin inflammation.

Researchers concluded the study by suggesting that changes in diet could partially reverse the proinflammatory effects and alteration of gut microbiota caused by the Western diet.

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Fantasy Baseball Priority Pickups: Adding Jarren Duran ahead of the rush – Yahoo Sports

Posted: at 11:36 pm

You have roster needs, we have sensible solutions. All players featured here are available in a majority of Yahoo leagues and all can (hopefully) help your fantasy squad. Let's go prospecting...

Let's get ahead of the next buzzy call-up by getting Duran stashed today right now. Do it.

Duran has homered six times in his last 12 games, including a walk-off opposite-field bomb on Sunday:

He's up to 13 homers on the season at Triple-A along with seven steals, plus he's slashing .291/.381/.634. That level of production is juuuust a bit better than what Red Sox center-fielders have accomplished to this point. Duran has been an effective base-stealer in previous seasons (46 SB in 2019), then he used his alternate training site time to add strength and rework his swing. The end result is a potential multi-category fantasy contributor who should get a look in the big leagues very soon.

It's possible that the organization will allow him to have the Olympics experience, but team needs will presumably be the priority.

What are we even doing here, people? The starting first baseman for the Rockies is available in nearly 60 percent of Yahoo leagues? This is a complete failure of fantasy process. Cron has hit five homers in his last nine games, he's scored 30 runs and driven in 29 on the year and he's slashing .271/.372/.489. He obviously does his home hitting in the friendliest possible environment, so there are plenty more bombs ahead. If you play in a league in which you need to fill both a CI and UTIL spot, Cron needs to be rostered by someone. You shouldn't need a licensed fantasy professional to tell you that Cron can reach 30 homers in a healthy season.

Nope, I will not stop pushing Wong as a fantasy add. It's basically my brand. He's back from the DL, again leading off for the Brewers, and he's gone 6-for-18 with two homers, four runs, and four RBIs over his last four games. He's batting a respectable .281 with six homers and five steals. Wong swiped 24 bags in 2019, so he's a solid contributor in a tricky category. Ideally, you'll get your steals from players who aren't simply one-stat specialists.

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Fulmer's numbers in relief this season have been plenty good: 26.1 IP, 35 Ks, 6 BB, 2.73 ERA, 1.22 WHIP, 6 SV. He's also a closer who can be slotted at SP, which is often helpful. If you have no use for additional saves in your fantasy life ... well, wow. Most of us are not so well positioned. At this point, Fulmer deserves an active spot in nearly all mixed leagues.

Minor has maintained his K-rate from last season (92 Ks in 86.1 IP) while reducing the walks and delivering a perfectly playable 1.18 WHIP. He's throwing his fastball less often and the curve a bit more ...

... and the whole arsenal is generally working. He's issued no more than one walk in each of his last five starts, which helps the fantasy ratios in no small way. Minor has a not-too-intimidating series of starts ahead of the all-star break (at Tex, at Bos, Cin, at Cle), so he's on the approved list for streaming.

Look, you don't have to fully embrace the Bucs, but let's recognize the fact that Brubaker has been sneaky-good. He's struck out 72 batters over 71.2 innings and produced a 3.77 ERA and 1.12 WHIP. Those numbers will play. He's kept his walk rate low this season (1.88 BB/9) and given us four starts with at least seven Ks. As with Minor, stream him as needed.

We opened with a prospect, so let's end with another. Greene just K'd six batters over 5.0 scoreless innings on Wednesday, which is a pretty standard day at the office for him. He whiffed eight over 4.0 frames in his Triple-A debut last week:

Yup, that's 104 mph. One-oh-four. Whenever he arrives in Cincinnati, he'll immediately be a must-add fantasy arm. Consider getting ahead of the mob and stashing now.

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The Possible Evolution of an Exoplanet’s Atmosphere – Eos

Posted: at 11:36 pm

Small terrestrial planets, where we might find life outside of our solar system, are profoundly impacted by atmosphere loss. We have no idea how common atmospheric restoration is, but it is going to be important in the long-term study of potential habitable worlds.Researchers have long been curious about how atmospheres on rocky exoplanets might evolve. The evolution of our own atmosphere is one model: Earths primordial atmosphere was rich in hydrogen and helium, but our planets gravitational grip was too weak to prevent these lightest of elements from escaping into space. Researchers want to know whether the atmospheres on Earth-like exoplanets experience a similar evolution.

By analyzing spectroscopic data taken by the Hubble Space Telescope, Mark Swain and his team were able to describe one scenario for atmospheric evolution on Gliese 1132 b (GJ 1132 b), a rocky exoplanet similar in size and density to Earth. In a new study published in the Astronomical Journal, Swain and his colleagues suggest that GJ 1132 b has restored its hydrogen-rich atmosphere after having lost it early in the exoplanets history.

Small terrestrial planets, where we might find life outside of our solar system, are profoundly impacted by atmosphere loss, said Swain, a research scientist at the NASA Jet Propulsion Laboratory (JPL) in Pasadena, Calif. We have no idea how common atmospheric restoration is, but it is going to be important in the long-term study of potential habitable worlds.

GJ 1132 b closely orbits the red dwarf Gliese 1132, about 40 light-years away from Earth in the constellation Vela. Using Hubbles Wide Field Camera 3, Swain and his team gathered transmission spectrum data as the planet transited in front of the star four times. They checked for the presence of an atmosphere with a tool called Exoplanet Calibration Bayesian Unified Retrieval Pipeline (EXCALIBUR). To their surprise, they detected an atmosphere on GJ 1132 bone with a remarkable composition.

Atmosphere can come back, but we were not expecting to find the second atmosphere rich in hydrogen, said Raissa Estrela, a postdoctoral fellow at JPL and a contributing author on the paper. We expected a heavier atmosphere, like the nitrogen-rich one on Earth.

To explain the presence of hydrogen in the atmosphere, researchers considered the evolution of the exoplanets surface, including possible volcanic activity. Like early Earth, GJ 1132 b was likely initially covered by magma. As such planets age and cool, denser substances sink down to the core and mantle and lighter substances solidify as crust and create a rocky surface.

Swain and his team proposed that a portion of GJ 1132 bs primordial atmosphere, rather than being lost to space, was absorbed by its magmatic sea before the exoplanets interior differentiated. As the planet aged, its thin crust would have acted as a cap on the hydrogen-infused mantle below. If tidal heating prevented the mantle from crystallizing, the trapped hydrogen would escape slowly through the crust and continually resupply the emerging atmosphere.

This may be the first paper that explores an observational connection between the atmosphere of a rocky exoplanet and some of the [contributing] geologic processes, said Swain. We were able to make a statement that there is outgassing [that has been] more or less ongoing because the atmosphere is not sustainable. It requires replenishment.

I find the idea of a hydrogen-dominated atmosphere to be a really implausible story.Not everyone agrees.

I find the idea of a hydrogen-dominated atmosphere to be a really implausible story, said Raymond Pierrehumbert, Halley Professor of Physics at the University of Oxford in the United Kingdom, who did not contribute to the study.

Pierrehumbert pointed to a preprint article from a team of scientists led by Lorenzo V. Mugnai, a Ph.D. student in astrophysics at Sapienza University of Rome. Mugnais team examined the same data from GJ 1132 b as Swains did, but did not identify a hydrogen-rich atmosphere.

According to Pierrehumbert, the devil is in the details of how the data were analyzed. Most notably, Mugnais team used different software (Iraclis) to analyze the Hubble transit data. Later, Mugnai and his group repeated their analysis using another set of tools (Calibration of Transit Spectroscopy Using Causal Data, or CASCADe) when they saw how profoundly different their findings were.

We used two different software programs to analyze the space telescope data, said Mugnai. Both of them lead us to the same answer; its different from the one found in [Swains] work.

Another preprint article, by a team led by University of Colorado graduate student Jessica Libby-Roberts, supported Mugnais findings. That study, which also used the Iraclis pipeline, ruled out the presence of a cloud-free, hydrogen- or helium-dominated atmosphere on GJ 1132 b. The analysis did not negate an atmosphere on the planet, just one detectable by Hubble (i.e., hydrogen-rich). This group proposed a secondary atmosphere with a high metallicity (similar to Venus), an oxygen-dominated atmosphere, or perhaps no atmosphere at all.

The research groups led by Swain and Mugnai have engaged in constructive conversations to identify the reason for the differences, specifically why the EXCALIBUR, Iraclis, and CASCADe software pipelines are producing such different results.

We are very proud and happy of this collaboration, said Mugnai. Its proof of how different results can be used to learn more from each other and help the growth of [the entire] scientific community.

I think both [of our] teams are really motivated by a desire to understand whats going on, said Swain.

Every rocky exoplanet is a world of possibilities. JWST is expected to provide the first opportunity to search for signs of habitability and biosignatures in the atmospheres of potentially habitable exoplanets. We are on the brink of beginning to answer [many of] these questions.According to Pierrehumbert, the James Webb Space Telescope (JWST) may offer a solution to this quandary. JWST will allow for the detection of atmospheres with higher molecular weights, like the nitrogen-dominated atmosphere on Earth. If GJ 1132 b lacks an atmosphere, JWSTs infrared capabilities may even allow scientists to observe the planets surface. If there are magma pools or volcanism going on, those areas will be hotter, Swain explained in a statement. That will generate more emission, and so theyll be looking potentially at the actual geologic activitywhich is exciting!

GJ 1132 b is slated for two observational passes when JWST comes online. Kevin Stevenson, a staff astronomer at Johns Hopkins Applied Physics Laboratory, and Jacob Lustig-Yaeger, a postdoctoral fellow there, will lead the teams.

Every rocky exoplanet is a world of possibilities, said Lustig-Yaeger. JWST is expected to provide the first opportunity to search for signs of habitability and biosignatures in the atmospheres of potentially habitable exoplanets. We are on the brink of beginning to answer [many of] these questions.

Stacy Kish (@StacyWKish), Science Writer

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Symbiosis instead of evolution: A new idea about the nature of human intelligence – TechTalks

Posted: at 11:36 pm

By Oleksandr Kostikov

Could it be that all AI (artificial intelligence) developers are wrong?

Imagine you have a radio. You use it with ease, and sometimes, you make simple repairs. But what if you want to create a new radio receiver? To do this, you would have to fully understand the design details. You would need to understand not only how the volume control and power supply work, but also where the music comes from.

Likewise, creators of artificial intelligence need to first try to understand how natural intelligence works. Otherwise, instead of a radio, they may end up with a boring and monotonous player.

Everyone thinks that the human brain is a kind of biological computing machine that works according to certain algorithms, and if so, it means that intelligence can be compiled using two simple tools: high computing power and a set of complex algorithms.

In fact, everything is not at all that simple

Neurophysiologists have thoroughly studied the reflex, a stereotypical reaction of a living organism to any external influence. The reflex is not just a scheme of functional activity. It is the basic principle of the organization of any nervous system of a biological type. By itself, it really resembles the principle of the algorithm.

But all this is true only if we are talking about a relatively simple nervous system. With human intelligence, everything is much more complicated.

What is the difference?

Reflex is the standard in neurophysiology. Its basis is the reflex arc, which can be schematically depicted as the response of motor neurons to a stimulus received from sensory neurons. As soon as a stimulus appears, the living organism acts. It is important to understand that the number of neurons participating in the reflex arc and the complexity of the motor reaction do not change the essence of the reflex in any way.

A reflex is always a clear and predetermined sequence: stimulus (neural network) reaction. With the help of a reflex, the nervous system acts according to a pre-selected pattern designed to respond to a specific situation. In other words, a reflex is a kind of stereotype or a tactic of actions within the paradigm of occurring events.

The human brain, like the brain of any other living organism, often operates according to the traditional pattern of reflex responses, except in situations where consciousness or intellect is used to make decisions.

At this moment, everything changes!

If our brain uses an intelligent (intellectual) reaction scheme to respond to an external stimulus, the first thing that becomes necessary is to form an abstract image with which we identify the surrounding reality.

Simply put, we must first understand what is going on.

This is how we interpret what we feel. The created abstract scheme and the subsequent dynamic modeling of the development of the situation form a solution in the form of a sequence of actions that the brain transmits as commands to motor neurons.

Intellect always and in any situation creates its own reality and virtually stands above the process itself invented by itself. So, the mind can identify itself and realize that it really exists. The resulting effect of this model is the ability of our brain to create images and situations that are completely divorced from objective reality and even contradict sensory information entering the brain.

Simply put, the reflex is always inside the situation and is looking for the simplest and most effective way out, and the mind (intellect), on the contrary, is always outside and itself models its vision of the problem and the ways to solve it.

It turns out that intellect (stream of consciousness) and reflex are fundamentally different reaction schemes.

This means that the human brain is a binary system consisting of two functional circuits for responding to arousal. Formally, the reflex system is a subordinate part, but in practice, reflexes are responsible for most of our nervous activity. The stream of consciousness can control only some actions. At the same time, the division of response schemes is so clear that most of the functions of the reflex system, such as controlling the work of the digestive system, cardiovascular, endocrine, and respiratory systems, remained completely inaccessible for conscious or intellectual control.

Mind and reflex are not just different functional schemes for organizing neural activitythey are, in fact, opposite models that cannot be mixed even when we force the brain to sequentially switch the reaction scheme from reflex to consciousness and back in the simplest situations.

You can check this with a simple experiment.

You need to sit near the monitor or just in front of the lamp and ask your assistant to turn on the light unexpectedly for you. In response to the flash, you need to press the button as quickly as possible, which will fix the time between the flash of light and your mechanical reaction in pressing the button. After short training repetitions, you will bring your reaction to automaticity and will be able to react at a speed of 200-220 milliseconds. This is a simple example of a reflex. Your brain uses the standard neural organization scheme for any living organism.

If after that, you try to apply your intellect and intentionally delay the keypress by a little, something amazing will happen. With all the efforts of your brain and no matter how hard you try, you cannot press a button in, say, 250 or 350 milliseconds. Even 400 and 450 (twice the interval) will remain completely inaccessible to you. The closest value you can intellectually give is at least 550 milliseconds.

The task, conditions of the external environment, and the brain remain the same. But a different functional system will cause a drop in the maximum reaction rate by almost three times. The huge, 0.3-second delay shows what it means to realize and turn on the intellect.

In fact, this time difference, which almost no researcher pays attention to, is of great importance.

The speed of movement of a nerve impulse along large fibers of the human nervous system is approximately 100120 meters per second. Therefore, during a delay of almost a third of a second, the signal will have time to travel 3040 meters.

Such a delay is a death sentence in a competitive environment. Human consciousness or intellectual schema is hopelessly lagging the reflex. From the point of view of evolution, this is an unacceptable and extremely harmful change that can in no way appear in the conditions of a real struggle for survival.

The evolutionary process involves sequential change, when new organs or functions provide an immediate competitive advantage, which increases the chance of survival and procreation. Otherwise, new traits have no chance of gaining a foothold in the population.

But we do exist and think. How did it happen?

A reflex is a simple and extremely fast way of reacting, a kind of ideal tactician. On the contrary, the mind is a slow and, in fact, a mechanism for abstract problem solving, divorced from reality, a kind of strategist.

Schematically, we can represent the mind as a rider on a horse. The horse in this example will symbolize the reflex activity of the brain. Not being able to control the movement of the horses legs, the intellect controls only the direction of movement. While the horse (reflex system), in principle, is not able to understand the motivation and purpose of the rider (intellect).

Such a binary system very clearly corresponds to the biological scheme of symbiosis when we are dealing with a binary organism. In this case, intelligence is not the result of gradual evolutionary changes, but an additional functional system that appeared suddenly and did not go through the standard process of evolutionary consolidation. The second or intellectual part of the human central nervous system behaves like a classical symbiont, which, in a limited volume, has received the ability to control the first (reflex) evolutionary formed part of the nervous system.

This has already happened in biological history.

In evolutionary theory, there are three proven cases of symbiotic interactions between two organisms, which eventually created biological constructs of a new type.

This happened when the cell nucleus, mitochondria, and chloroplasts appeared. Each time, evolution did not follow the path of gradual changes, but the method of combining ancient cells into one new biological system with completely new capabilities.

It turns out that intelligence is not at all a happy coincidence, but the result of a rather originalbut at the same time standardevolutionary technique.

This is a very important conclusion that will allow us to get an answer to the main question: how to create realistic artificial intelligence.

In a future article, I will analyze the energy and functional features of the intellectual system of our brain and try to understand the details of unification: symbiosis.

As a result, it will become clear to us how the technology will be created that can build strong AI of a completely new type.

About the author

Dr. Oleksandr Kostikov is a medical doctor by education. He previously worked in a research group dealing with molecular systems in human neocortex synapses at the Department of Physiology of the State Medical University and the Department of Physics of the Ivan Franko University in Lviv, Ukraine. He is now in Canada, where he is working on a new theoretical concept about the nature of intelligence but also allows that aims to to create a completely new unusual type of artificial intelligence.

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The Evolution of the Global Business: Barbados as a Global Services Centre – JD Supra

Posted: at 11:36 pm

It is important to preface this piece by stating that Barbados has always been a jurisdiction of substance and high standards when it comes to facilitating Global Business. Notwithstanding this, the way in which adopted global policy has dictated the means of doing business has transformed or better worded, enhanced Barbados position as a Global Services Centre (herein GSC).

Traditionally, Barbados has been known as an offshore jurisdiction or an International Financial Center (herein IFC). It among other developed and developing jurisdictions, has competed to be the best at providing a favorable Investment climate by offering a flexible, dynamic and nimble approach to regulating business within its jurisdiction. This has effectively enabled a wide array of professionals to conceptualize advanced structuring options which maximize the profits and wealth of their clients and businesses.

However, Barbados enhanced its approach to facilitating global business by not only being an advantageous jurisdiction to hold wealth, but to also repatriate wealth from. At current, Barbados has forty plus double tax treaties (herein DTT) and other bilateral agreements which enhance the benefit of various tax structures. These agreements further strengthened not only the image of Barbados as a place to do business, but that doing business in Barbados is acceptable to contracting states of the various treaties.

Unfortunately, a number of global organizations and superpowers, most notably the European Union and the Organisation of Economic Cooperation and Development (herein OECD), took concerned notice of the estimated two third of the worlds wealth being parked offshore within the Caribbean. As a result, Caribbean IFCs such as Barbados, quickly garnered the unfair reputation of being tax havens and thereafter in the global business community became cumbersome to associate with corporate structure strategies. This sentiment was further compounded by means of blacklisting jurisdictions, as doing business from or with parties from blacklisted jurisdictions became increasingly difficult.

The prescribed medicine has come in many forms over the years and most recently through the OECDs Base Erosion and Profit Shifting Action Plan (herein BEPS Action Plan). Here, the OECD posited that fundamental changes are actively required to prevent double non-taxation, as well as cases of no or low taxation associated with practices that artificially segregate taxable income from the activities that generate this income. This rhetoric was clearly targeted towards IFCs and in order for them to be taken off of these negative lists, they would have to expressly agree to and implement policy intended to carry out BEPS Action Plan objectives. Specifically, the removal of preferential tax regimes which were deemed to be contributors to harmful tax practices and the implementation of legislation which would force corporate entities to illustrate management and control from within Barbados which was intrinsically linked with the income generated.

Following the dismantling of all preferential regimes and tactically converging its corporation tax regime to an across the board low tax regime, the next step for Barbados was to implement an Economic Substance Regime (herein ES Regime). In brief, this regime was introduced by way of The Companies (Economic Substance) Act, 2019-43. It focuses on Barbados resident companies which conducted specific relevant activities, and it requires these entities to illustrate that the core income generating activity is being managed and controlled from within Barbados.

Arguably, this approach is not one which is revolutionary to Barbados, but rather an enhancement of the approach already practiced. For example, entities which had to illustrate tax residency to benefit from the previously mentioned DTTs and other foreign tax administrator requirements have over the years put similar measures in place to ensure that their entities for all intents and purposes were considered as resident in Barbados. The new approach however, forces Barbados into the role of GSC, as the ES Regime standards requires a variety of services to be provided to these entities to meet the necessary substance. Consequently, Barbados must be a one-stop shop for the companies that it hosts as resident companies and the jurisdiction must position itself to be able to provide a multiplicity of services to meet this demand.

In sum, Barbados has had to move away from the passive nature of being an IFC to the more active and all-encompassing position of a GSC. Fortunately as prefaced, Barbados has illustrated that it is capable of meeting global business demands and though this approach is of a foreign derivative, Barbados is fine-tuned to remain an attractive jurisdiction for the global business community.

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Student loan servicer censured over ‘what appears to be false’ congressional testimony – Yahoo Finance

Posted: at 11:36 pm

Senators Elizabeth Warren (D-MA) and John Kennedy (R-LA) sent a letter to a key student loan servicer CEO over "what appear to be false and misleading" statements during a congressional testimony on April 13, Yahoo Finance has learned.

We write to seek information on what appears to be false and misleading testimony that you provided at a hearing before the Committee on Banking, Housing, and Urban Affairs Subcommittee on Economic Policy on April 13, 2021," they wrote.

Warren, the chair of the committee, and Kennedy, a ranking member, sent the letter to Pennsylvania Higher Education Assistance Agency (PHEAA) CEO James Steeley on Wednesday evening.

"This is a serious matter," the senators stressed. "Our hearing was held in part to understand the role of student loan servicers and the extent to which they bear responsibility for the myriad failures of the student loan program. But it appears that you have failed to provide accurate information about your company, undermining the Subcommittee's fact-finding role and potentially misleading committee members and the public."

Warren and Kennedy are asking Steeley to respond to their letter by July 7 and are planning a follow-up hearing on the matter.

PHEAA CEO James Steeley. (screenshot/PHEAA Facebook)

PHEAA administers the Public Service Loan Forgiveness (PSLF) program, which operates as FedLoan Servicing. During the April testimony, Steeley stated that he didn't believe the Department of Education (ED) had penalized or fined the company regarding its servicing.

The senators pointed to a letter from ED's Federal Student Aid from May 10, which stated that since 2016, the federal government had in fact found nine issues with how PHEAA managed the PSLF program, issued four corrective action plans, and two big fines.

"This new information provided .. by the Education Department reveals that nine Department reviews conducted since 2016 revealed problems with PHEAA's implementation of the program," resulting in multiple fines and corrective action plans, the senators stated.

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They added that if the testimony was false "knowingly and willfully," then that subjected him to fines and criminal charges. The letter added that there will also be a follow-up hearing on that matter.

"PHEAA respects the Senate subcommittees interest in ensuring the presentation of truthful and accurate testimony but categorically denies that the testimony offered by PHEAAs CEO was anything other than a truthful and good-faith effort to answer the multi-part questions posed by Senator Warren at the April 13 hearing," a PHEAA spokesperson told Yahoo Finance in a statement. "PHEAA will respond to the letter appropriately but will not engage in further public debate through the media."

Designed by Congress to help public servants from teachers to firefighters the PSLF program has been a major problem the federal government has been grappling with for years.

The PSLF program enables government and non-profit employees with federally-backed student loans to apply for forgiveness after proof of 120 monthly payments under a qualifying repayment plan.

The denial rates for the PSLF program have been steep: Recent data revealed that out of more than 390,000 PSLF forms submitted between November 2020 and April this year, only 3,458 met the requirements for PSLF 2.1%.

The data also revealed that only around 5,500 have had their loans discharged via PSLF, as of April 30.

Even though more than 175,000 active-duty service members with federal loans are eligible for PSLF, only 124 members had their applications approved, a recent report found.

Bryant Elementary School kindergarten teacher Chris Johnson sets up his classroom on April 09, 2021 in San Francisco, California. (Photo by Justin Sullivan/Getty Images)

During the April hearing, Warren asked PHEAA's Steeley to confirm the fact that based on audits by ED since 2016, PHEAA's automated system created "errors" and "mistakenly disqualifie[d] payments."

"I do not believe that that is correct," Steeley responded, adding that he wasn't familiar with the audits.

Warren later pressed Steeley again, asking if ED had "terminated your contract or penalized your company in any way for its errors and mismanagement" of the PSLF program.

Steeley responded: "No, they have not."

Based on a letter from ED's Federal Student Aid's Richard Cordray, who heads the student loan program, between February 2016 and March 2021, PHEAA had indeed been fined and/or told to correct its behavior by the federal government.

As the CEO of the company, the letter from the senators added, it is "inexplicable that you were not aware of this series of ... findings."

Senator Elizabeth Warren (D-MA) speaks during a Senate Finance Committee hearing on the IRS budget request on Capitol Hill in Washington,DC on June 8, 2021. (Photo by EVELYN HOCKSTEIN / POOL / AFP)

Cordray's letter to the senators, which was obtained by Yahoo Finance, found:

ED said between February and April 2016, ED found that PHEAA had made errors in counting payments of 28%. The errors were reduced to 3% in October 2016, after PHEAA implemented ED's recommendations, and the company automated payment counts.

In 2017, ED said it found problems with how PHEAA did employment certifications and again, counting qualifying payments. Both reviews found issues with how it handed consolidation loans, and found incorrect valuations for loan accounts where the borrower paid more than what was required. The government told PHEAA to correct the accounts.

In 2020, again, ED conducted three reviews, on TEPSLF and PSLF. On TEPSLF, it found issues regarding denials, resulting in the government asking PHEAA to correct its errors and "requiring FedLoan to repay $108,000 to the Department in June 2020."

On PSLF, ED found that there was a 20% error rate when it came to CARES Act denials (i.e. during this period, the government made PSLF payments on the borrowers' behalf). ED told PHEAA to fix this matter.

In September 2020, ED started looking into how PHEAA was handling qualifying payments for consolidation loans.

In October 2020, ED fined PHEAA $136,000 and asked the company to fix its errors for "failure to properly apply automatic forbearance for income-driven repayment ... applications, affecting over 65,000 borrowers."

In March 2021, ED found a 20% error rate in how PHEAA handled military PSLF applications.

Finally, ED also revealed that it is looking at drafting new corrective action plans to address recent issues, such as the CARES Act and PSLF denials.

Former Consumer Financial Protection Bureau Director Richard Cordray testifies before House Financial Services Oversight and Investigations Subcommittee hearing in Washington, July 30, 2014. REUTERS/Yuri Gripas

Some lawmakers and advocates have long blamed servicers for poor implementation.

"Rampant breakdowns across the student loan market harm every type of borrower, with every type of loan, at every stage of repayment," former Consumer Financial Protection Bureau (CFPB) official Seth Frotman said in a testimony in Congress in September 2019. "Lost paperwork, mishandled payments, deceptive disclosures, and the routine denial of borrowers repayment rights all add up to billions of dollars in additional debt for millions of borrowers."

In an interview with Yahoo Finance in April, Warren said: "Weve got these middlemen, these student loan debt servicers that were with us today, who cant seem to keep straight."

Warren has also called on ED to stop working with Navient and PHEAA.

"These student loan debt servicers, theyre making buckets of money to help their bottom line but not to help the students who are really in trouble trying to repay their loans," she said.

Aarthi is a reporter for Yahoo Finance. She can be reached at aarthi@yahoofinance.com. Follow her on Twitter @aarthiswami.

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Student loan servicer censured over 'what appears to be false' congressional testimony - Yahoo Finance

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The next evolution of citizen experience – Federal News Network

Posted: at 11:35 pm

Citizen experience has been a focus of federal agencies since being named a cross-agency priority in 2011, when agencies were asked to develop customer service plans. It remained part of the Presidents Management Agenda in 2018. Then, as with so many other modernization initiatives, the response to the COVID-19 pandemic kicked the digitization of citizen service into an accelerated gear. Yet work on ensuring that the government by the people, for the people is being responsive to modern customer service needs is by no means complete.

As with any new administration, there are an array of new programs on the horizon. With the societal challenges we face today, we can expect an even more rapid deployment of such programs to help spur economic recovery, respond to inequality, and improve public health management. These programs will need support from agencies across the government. How can organizations begin preparing to meet not just the citizen service needs of today but also those of the future? The answer is a healthy combination of people, processes and technology.

In March 2020, the Small Business Administration needed to staff up quickly to meet the incoming demand for services as they related to the Economic Injury Disaster Loan, put in place to help stabilize the economy. The SBA needed thousands of new customer service agents to meet demand. Knowing they could not hire this workforce internally, SBA sought contractor support.

The reach of this virtual, scalable team allowed demand to be met, so business owners in need could quickly connect with someone for assistance. As time went on, the volume fluctuated greatly. The team was able to handle these peaks with metrics consistent with those on slower days in terms of speed to answer, call time, and satisfaction. This was due to the flexibility afforded by a virtual model. The SBA could reach into a pool of qualified and call-ready representatives when they needed to meet high volumes, and similarly, quickly scale back when call volume slowed.

The fluidity in staffing levels was matched by the flexibility where people were sourced. The use of virtual support enables quick ramp-ups because it opens up the recruiting pool across the U.S. Organizations are not bound to recruiting within a geographic area, accessing the right talent for the job, regardless of location.

Getting the sheer number of people needed to meet contact center needs is only part of the solution: Those people then need to be trained. The key to onboarding thousands of agents quickly is having an effective learning strategy in place. Ideally, this is a mix of instructor-led and on-demand training to meet the learning needs and preferences of the agents. In the case of SBA, the short ramp-up period required rapid development of an e-learning curriculum and on-the-job reference materials from scratch that allowed agents to be call-ready within days.

This kind of online learning can also be created from existing training, taking traditional classroom curriculum and turning it into a self-paced learning environment that agents could do at any time. A self-paced curriculum should include gamification elements to keep learners motivated and processing at the pace needed to meet staffing goals. Additionally, it is critical that comprehension of the materials is measured for proficiency and reported before allowing customer interactions. After onboarding, on-demand resources also allow for ongoing learning, with agents being able to go back and refresh their knowledge at any time.

Beyond these self-driven materials, building a community among agents is also critical. Organizations should find ways to help people reach out to colleagues to answer questions, discuss current challenges, and learn from more experienced agents for ongoing learning and support. A successful virtual community cultivates engagement, allowing agents to build and nurture relationships in a remote setting.

Better citizen experience starts with a better employee experience. Whether agents are working in a brick-and- mortar center or virtually, they need to have systems that make their job easier. Organizations need to ensure they have the right tools in place to empower agents to carry out the mission. Some key technology investments include:

Improving citizen service is more than just meeting a mandate, it is what our government was designed to do serve the people. Thinking about the people, processes, and technology that need to be in place to efficiently meet this overarching mission of service to the citizen is critical in every agency. While the SBA showed that citizen service can ramp up in an emergency, maintaining continuity of operations is something that should be happening across government.

Jon Brown is vice president of client results at Liveops.

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The next evolution of citizen experience - Federal News Network

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Intelligent Digital Out Of Home (DOOH) Software Company Alfi Bolsters National Sales Team with Addition of Christopher Whalen as Vice President -…

Posted: at 11:35 pm

Digital Advertising Veteran to Support and Expand National Sales as Company Grows Rapidly

MIAMI BEACH, FL / ACCESSWIRE / June 23, 2021 /Alfi, Inc. (NASDAQ:ALF) ("Alfi" or the "Company"), an AI enterprise SaaS platform powering computer vision with machine learning models to allow content publishers and brand owners to deliver interactive, intelligent information without violating user privacy, announced today the appointment of Christopher Whalen as Vice President of National Sales.

In his new role, Whalen will be responsible for executing the company's advertising sales growth strategies, as well as driving and expanding Alfi's sales operations nationally. He will report directly to Ron Spears, Alfi Chief Revenue Officer, who joined the Company in March and comes from Google Ventures-backed Firefly, which provides street-level digital media on taxis and rideshare vehicles.

"Chris brings with him a wealth of DOOH industry knowledge and highly-regarded agency and client contacts," said Ron Spears, CRO, Alfi. "Having helped grow local and national networks across airport, transit, and mall media networks, his diverse skills and valuable experience are exactly what we need to lead our fast-growing sales team."

Alfi is changing the way consumers interact with DOOH displays. The Company's software makes digital screens instantly intelligent by using computer vision and AI to understand the demographics of who is in front of the screen, and then serves targeted advertisements based on real-time emotion, gender, age, and geo-location via dynamic creative video. Alfi's technology also offers immediate audience metrics and precise post-campaign attribution reporting in a privacy compliant manner, without the use of cookies.

Today, Alfi's technology is integrated into major retail and rideshare experiences around the world including AI-enabled digital advertising screen pilot programs with NEOOH of Brazil and American Eagle, as well as AI-enabled tablets in value cabs in Belfast and rideshares in Miami.

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Prior to joining Alfi, Whalen served as the Vice President of National Sales for Starlite Media, a leading shopper marketing and out of home advertising company. Before that, he developed and executed revenue-generating growth strategies at leading DOOH companies such as JCDecaux, Vector Media, and Westfield Media Group.

"Alfi is building an intelligent network' that will change how brands connect with consumers in real-life, OOH environments," said Christopher Whalen, VP of National Sales, Alfi. "Having spent 15 years serving this market, I look forward to bringing this groundbreaking technology and media to advertisers, and working with my new team to reach impactful milestones.''

"Christopher's outstanding track-record, paired with the tremendous demand for Alfi among advertisers, sets us up for exponential growth this year alone," said Paul Pereira, CEO, Alfi. "We are certain Christopher will be instrumental in helping Alfi achieve our goals."

Christopher is an active member of multiple professional LinkedIn groups in the OOH industry, including: Out-of-Home Advertising Professionals, Out of Home Specialist Association, OOH Media Professionals Collaboration, and Mall Advertising.

About Alfi Inc.

Alfi, Inc. provides solutions that bring transparency and accountability to the digital out of home advertising marketplace. Since 2018, Alfi, Inc. has been developing its artificial intelligence advertising platform to deliver targeted advertising in an ethical and privacy-conscious manner.

For more information, please visit: https://www.getalfi.com.

Alfi Inc. Media ContactDanielle DeVoren / Laura SchoolerKCSA Strategic CommunicationsAlfi@kcsa.com

Alfi Inc. Company ContactDennis McIntoshChief Financial Officerd.mcintosh@getalfi.com

Alfi Inc. Investor RelationsTraDigital IRKevin McGrath+1-646-418-7002kevin@tradigitalir.com

SOURCE: Alfi, Inc.

View source version on accesswire.com: https://www.accesswire.com/652682/Intelligent-Digital-Out-Of-Home-DOOH-Software-Company-Alfi-Bolsters-National-Sales-Team-with-Addition-of-Christopher-Whalen-as-Vice-President

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Intelligent Digital Out Of Home (DOOH) Software Company Alfi Bolsters National Sales Team with Addition of Christopher Whalen as Vice President -...

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Jurassic World Evolution 2 preview: Deeper management, better dinosaurs, and a whole load of customization options – Gamesradar

Posted: at 11:35 pm

Call them what you want flying reptiles, marine reptiles, dinosaurs the prehistoric scaly beasts have always been the focus of Frontier Development's dinosaur theme park sim, as you'd hope for a game called Jurassic World Evolution. Okay, technically flying reptiles and marine reptiles aren't dinosaurs, but all breeds are being put under the spotlight in Jurassic World Evolution 2. The sequel to 2018's breakout success is putting a focus on enhancements across all areas of keeping your park residents safe, happy, and importantly, contained within their enclosures.

Speaking to game director, Rich Newbold, and executive producer, Adam Woods, they say the team has four core areas where the sequel will make significant improvements, ranging from enhanced creativity for park building, deeper management for both dinosaurs and guests, a rich narrative, and more dinosaurs (and reptiles) than ever over 75 species in total. The full game will feature four unique game modes at launch, including a campaign that will offer an original story set after the events of Jurassic World: Fallen Kingdom, and the new Chaos Theory mode which will let you play through key events from the Jurassic Park and Jurassic World films for exciting 'What If' scenarios. There will also be the Challenge and Sandbox modes returning from the original game too.

While an improved campaign is certainly a focus for Frontier, there will be consistent improvements applied across all four of those modes. Woods and Newbold walk me through a park built in Sandbox mode in the new Tiger Environment seen in the Jurassic World Evolution 2 trailers released so far, which comes complete with a dramatic mountainous backdrop and gloriously terrifying snowstorm events. The most impressive immediate impact is the changes being made to the dinosaurs themselves - aka the game's scaled stars.

The dinosaurs themselves are getting enhanced behaviors, allowing them to more closely mimic what we assume they did in the wild, including resting and preening, interacting with each other more, or having the option to hunt in a pack if that's in a species' nature. You'll be able to unlock more body color and pattern variations too, which will allow you to create more unique dinosaurs, or even make their markings tie in with the environment more.

Beyond this though, the way your dinosaurs interact with their enclosures is getting far more involved too. When you first release an incubated dinosaur from the Hammond Creation Lab (now hatched from a batch of eggs and able to be released in batches rather than singularly), they will start scoping out their environment, looking for the elements they know they need such as food, water, forest areas, or a new feature called Ground Fibre. From these initial wanderings, your dinosaurs will then start digitally carving out a dynamic territory an area of their enclosure that they'll see as their area, which will develop over time. Territories of different species within a single enclosure will overlap and complement each other, allowing you to blend together these creatures for a spectacular showcase for your guests.

For herbivores, paleobotany is a driving force for these dynamic territories, and it's a feature that's being incorporated into the base game for Jurassic World Evolution 2, following its introduction in the Claire's Sanctuary DLC. Paleobotany is really just about the nutritional elements your dinosaur needs to stay healthy, and Jurassic World Evolution 2 removes the generic herbivore feeders, and instead encourages you to plant trees and shrubs that provide the correct food substances for each of your dinosaur species whether it be Ground Fibre, Tall Fibre, Ground Nut, or something else entirely. The development team has even taken these new environment reactive terrain brushes straight from extinct plants from back in prehistoric times, reimaging them for how the terrain paint tools work in the game.

The result is that the enclosures look and feel a lot more organic, with players able to build up several smaller biomes within a single enclosure to satisfy those territorial needs. The original game could feel a little repetitive in the way you built up the forest and water areas, but now it seems like there's much more creativity in how you cater for creature happiness. That includes various scenery objects for your enclosures too, so it finally goes beyond just the terrain paints and feeders.

That customization extends to the way you improve the experience for your guests too, and not just in that you can place decorations in your park to improve how it looks. Along with requirements for essentials like food, water, restrooms, and gift shops, guests will now fall into one of four interest groups. There are those that just fall under the "standard" interests group, but there are also those looking for adventure, nature, and luxury. Different areas of your park can be tailored to satisfy those interests. For example, nature-focused guests will gravitate towards the herbivore enclosures, while those seeking adventure are going to make a beeline for your T-Rex. Now, you'll be able to choose and tailor your amenities to better complement the guests heading to different sections of your park.

Amenities in particular are a building type that can be customized both inside and out. An amenity can be configured to add interior modules, such as an aquarium, display cabinets, infotainment, skeleton displays, and more all of which have values that align with these guest interests. Externally, the modules that you add won't, sadly, be reflected, but there are ways to change the appearance and theme of your buildings. You can change the roof decorations, signage, where the entrance is, add theme decoration to the ground area, or change the paintwork. It'll be much easier to make themed areas of your park that do feel unique, again moving away from the singular designed facilities of the original game.

New attraction buildings complement the more shell-like amenities though, and offer specific building types like a fully-fledged aquarium that should add more variation to your park. It'll be interesting to be able to spend just as much time making your guests happy as you will your dinosaurs. It was definitely something that felt a little more neglected in the original game, so it's pleasing to see that the park building experience as a whole is being taken into consideration. And of course, happy guests means happy pockets, which in turn means you'll have happier dinosaurs. It's a win, win.

Management improvements don't stop there either, with Jurassic World Evolution 2 adding more tools and an additional ground team type. That'll mean you have to work a little harder to understand your residents. For the existing rangers, you can now place Ranger Posts within the enclosures and assign a ranger team to that post. This will allow you to build up a ranger patrol route, and rangers passing through will scan the dinosaurs in that area. Rather than being instantly accessible, the information on the dinos now has a fog of war effect on it, and your rangers will need to go out on a status check run to check why a dino might be unhappy. But, to actually heal your dinos or cure them of illness, you'll need to send in your new mobile vet units from the Paleo Medical Facility, which is a fresh addition for this sequel. Vets can be sent in after a problem has been flagged by the rangers, and either help out in the field, or bring the dinosaurs back to the Paleo Medical Facility for treatment.

Although you'll need to enlist the help of your rangers, what I particularly love about what I've seen so far of Jurassic World Evolution 2 is the life improvements. Information is clustered together in a much better way, meaning you're not clicking between menus to paint a terrain with more trees, and then back to your dinosaur to see if you've added enough to make them happy. It's all in one place now, so adding trees increases your dino's contentment in a single menu they're small tweaks in this bigger whole, but necessary ones. So far, this is everything the original strived to be, but with just more of everything. More dinosaurs and reptiles, more management options with deeper tools, enhanced customization, and, most importantly, more opportunities to connect with the dinosaurs themselves. If you fell in love with the first game, we're all no doubt about to lose many more hours to this dino park sim sequel when it launches sometime this year.

Jurassic World Evolution 2 is launching on PC, Xbox One, Xbox Series X, PS5, and PS4. Check out more of the new games arriving in 2021 and beyond.

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Evolution of a Wellesley electrical box – The Swellesley Report

Posted: at 11:35 pm

I happened upon Wellesley High Schools Evolutions program team finishing its electrical box painting at the intersection of Kingsbury and Linden Streets on Wednesday. They started it on Monday and were expecting to have it finished this week.

Student Ellie Ostler says the box features a frog, spotted salamander, and fairy shrimp, reflecting the inhabitants of vernal pools in Wellesley like the ones studied by Evolutions students this year. Ostler and Luke Graves came up with the design, and visual arts teacher Brian Corey from the Evolutions Program provided support throughout the process.

This is 1 of 4 new electrical box designs emerging in town this spring and summer, adding to the existing ones previously approved and completed through the program coordinated by the Wellesley Police Department and the Towns Public Art Committee.

More artists will have their shot in the fall at giving additional electrical boxes in town a new look.

A new Traffic Box Art interactive map with photos, locations, and artist information will be available later this summer, according to the town.

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Evolution of a Wellesley electrical box - The Swellesley Report

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