![]() In the following sections, we revisit how our approach to diversifying portfolios and allocating capital has helped us in challenging times. ![]() ![]() ![]() This entails diversifying among and within a wide range of asset types whose returns are driven by different economic variables and outcomes while establishing an asset allocation policy that enables us to weather the storms we are sure to encounter in our pursuit of investment returns. If we cannot predict the arrival or impact of certain types of events that affect capital markets, we must prepare for market volatility-whenever it might occur-through prudent portfolio construction. Our portfolio construction process revolves around the idea that it is impossible to predict with any degree of precision the catalyst of the next global downturn-it could be a war, a revolution, an earthquake, a recession, an inflation shock, a policy mistake, a pandemic, a terrorist attack, anything. By comparison, it took 361 calendar days, or 248 trading days, for global equities to decline 37 percent during the 2008 financial crisis. It was the fastest decline of 30-plus percent in U.S. As one example, compare global equity market performance during the bear markets of 2008 (economic crisis) and 2020 (health crisis).Īs it became increasingly evident in February that COVID-19 would not be contained, global equities retrenched 37 percent in just 33 calendar days, or 23 trading days. But capital markets are also affected by events and crises that originate from outside the economic system.īecause exogenous shocks (e.g., natural disasters, wars, pandemics, etc.) often arrive with little warning, they can trigger sharper selloffs in comparison to recessions that are slower to materialize as part of the normal business cycle. Investors hoping to earn outsized returns commit vast amounts of money, time, and effort attempting to forecast economic growth, inflation, interest rates, corporate profits, and other variables that influence the performance of financial securities. In this article, we examine how key tenets of our investment philosophy have helped us navigate periods of uncertainty and reaffirm why our approach leaves us well-positioned to deliver favorable outcomes for clients in the years ahead. Liability-Driven Investing Establishes a Strong Foundation.Has Diversification Delivered as Expected?.For investors, what does it mean to be living in unprecedented times? Can we still rely on the foundational principles of our investment process to see us through this period of uncertainty? Or, do these unprecedented times call for a new approach to constructing investment portfolios and planning for the future? Table of Contents While humanity has endured other seismic and transformational events, few would argue with the assertion that we are now living in unprecedented times. For decades to come, experts from a wide range of fields-economics, psychology, sociology, politics, epidemiology, public health, and more-will work to understand how the global response to combat this coronavirus changed the world. The COVID-19 pandemic is a supernova in human history that is certain to have a lasting effect on many aspects of the human condition. If we cannot predict the arrival or impact of events that affect markets, we must rely on a time-tested investment philosophy
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![]() Many people place it on their body parts like arms, shoulders, ankles, and legs. ![]() It looks really realistic which also depends on the kind of artist you employ and the skills he utilizes. Thus, the sunflower tattoo design is very powerful. Just like the name implies, the flower is associated with the sun and draws its energy from it. ![]() Power of Sun: The sunflower is a very popular kind of flower that has been used by many people throughout the world for various kinds of applications like decoration or inspiration or art.Thus, it is not just the rose that represents love but the sunflower represents such feelings. Two sunflowers can also mean a couple of people who love each other. For example, a big sunflower can mean that one person believes infidelity while if one gets a rosary of tiny sunflower tattoo design, it means that the person is devoted to a thing. Size of the Flower: The size of the sunflower can also play a huge role in describing the meaning.It means that the wearer wants nothing but success and happiness in the present life. Every year, the sunflower crops produce a brand new crop, and thus it has become a symbol of rebirth too which should be hopeful and on the positive side of life. A big sunflower tattoo design shows that one is utterly dedicated while the small sunflower tattoo design shows worship and devotion to a supreme being. The size of the tattoo is also very significant and describing its meaning. Devotion and Thankfulness: In modern times, the sunflower tattoo design shows devotion and thankfulness that is there in the owner’s life.It also shows your passion to succeed in life. The people who get this tattoo also believe that it will help motivate them to realize any success in any aspect of their lives and especially when it comes to their goals and aims in their career. Thus, it represents a new beginning or another period in life that must be better than what is the previous birth. Rebirth and Renewal: The sunflower tattoo design is also a symbol of rebirth and renewal.besides this, it can represent someone with a cheerful and happy personality in general. In Christianity, the sunflower tattoo design can represent someone who is especially devoted to his spiritual or religious life and that’s why you can see many people with sunflower tattoo design who are exceptionally religious. Thus, this sunflower tattoo design can be pretty useful if one is Christian. The owner of the sunflower tattoo design shows his or her connection to god. Christian Symbols: Christians on the other hand see it as a strong sense of devotion towards God and Jesus Christ and the ones who regard him as the sovereign deity.For them, the yellow color also symbolizes a lot of things like happiness, joy, vitality, and intelligence or wisdom. Chinese Symbolism: In China, the sunflower is considered symbolic of happiness, longevity, luck, and life.They are believed to save the feeling of love for the remaining days of life. Since the time being, the sunflower tattoo design has been considered a symbol of love and affection for both men and women. Celebrities with Sunflower Tattoo Design.Where Should You Get Sunflower Tattoo Design?. ![]() What Customers Are SayingĪmazon Review Score: 4.1 out of 5 based on over 500 ratings Built-in Wi-Fi also makes connectivity issues a thing of the past as connecting the app to the dash cam couldn’t be simpler. The app makes capturing and downloading images or videos quick and simple. User Experience: Compatible with Android and iOS, the Z-Dash Cam app is incredibly easy to use. ![]() With a 155.0-degree field of view, thanks to a wide-angle lens, the HD video that this dual dash cam captures will give you the least amount of blind spots and the best chance of capturing license plates. Video Quality: In terms of video quality, there are not many dash cams under $100 that offer full HD (FHD) video. You can lock the dashboard camera into place making the installation process easier than any other dash cam under $100 that we worked with. This dash cam features a suction cup mount that fits nicely under your rearview mirror. In our experience, there isn’t a dash cam under $100 that will provide the video quality, user experience (UX), and as easy an installation process as the Z-Edge Z3Pro.Įase of Installation: The Z-Edge Z3Pro was a breeze to install and get set up fully. Those who purchase this product can expect a suction cup mount, car charger and charging cable, micro USB cable, a hand tool and cable clips, a user manual, and a thank you card included in the box. Key FeaturesĪ range of accessories are included in the box along with the Z-Edge Z3Pro. The Z-Edge Z3Pro also features wide dynamic range (WDR) technology that balances exposure to give the highest image quality possible. This dash camera features several automatic safeguards including automatic recording once turning the ignition, built-in G-sensors for automatic recording when a crash is detected, and a parking mode watchdog for around-the-clock surveillance of your vehicle. With an advanced NTK96675 processor, both front and rear dash cams have night vision meaning you’ll have no problem capturing video footage in low-light conditions. This dual dash camera can capture up to 2560 x 1440p at 30 frames per second (FPS) through the front-facing camera and 1920 x 1080p HD footage at 30 FPS through the rear camera. ![]() The Z-Edge Z3Pro is our pick for the Best Overall dash cam under $100. For more information on our testing methodology and how we evaluate every product, check out our methodology page here. We publish hundreds of product and service reviews to bring car enthusiasts detailed guides on automotive tools, detailing kits, car seats, pet products, and much more. Our team of product experts thoroughly researches top products and tests items on real vehicles when possible before making our recommendations. User Experience: Our team tested for user experience by connecting to the dash cam via the dash cam’s app and seeing how easy it was to save photos and videos.Įach year, we review over 1,000 auto products.We tested video quality by capturing both pictures and videos with the dash cams and observing which captured video quality was highest. Video Quality: This is arguably the most important characteristic of a dash cam as low-quality footage won’t be too useful.Ease Of Installation: To test this, our team members went through the process of installing and setting up the dash cam to full functionality.Our team tested the budget dash cams against the following criteria: ![]() Each dash cam under $100 was given a rating out of 5 stars based on these criteria. A team member tested each product on a car, taking note of how easy the dash cam was to install and set up, how high of quality video the dash cam captured, and how it was to use and interact with the dash cam. The five dash cams under $100 that best met these standards were ordered by our team for testing. We started by searching Amazon for top products, looking at factors like Prime shipping eligibility, customer ratings, Amazon superlatives, and price. The dash cams in this article went through two rounds of reviews. For example, idroo allows both teacher and student to draw and write on a virtual whiteboard in real-time while continuing to communicate via audio conference. USEFUL APPS – Skype offers many free apps, several of which can be useful when Skype teaching. Note that unless you have paid for Skype Premium, you will not be able to use screen share and your webcam at the same time. To turn it off, repeat this sequence in reverse order. To turn on screen share mode, turn off you webcam by clicking on the camera icon, click on “Call” in the top menu of Skype and then select “share screens…”. This is useful for presentations and visual explanations but note that watching videos together in this mode can be problematic due to the data transfer speed (i.e. SCREEN SHARE – With this interesting function you can share your computer’s desktop with students so that they see exactly what you see. Remember that large files can take a while to download so you may want to send big files to students in advance or via email. Once downloaded, the file can be opened quickly by clicking on the “open” button next to it in the chat box. To receive the file, the other person will have to click on “accept file” and download it to their computer. When you let go of the left mouse button, the file will automatically be sent to the recipient. Once this is done, a small icon will appear to the right – a bin for deleted and a pencil for edited messages.įILE SHARING – To share a file (PDF, MP3, video, etc.) just drag and drop it from your desktop or folder into the space directly above the typing field in the Skype chat box. If you have made a spelling mistake or wish to amend or delete a message, simply right click on it in the chat box and select either “Edit Message” or “Remove Message”. Secret function: Few users know that it is also possible to edit/remove messages you have typed in the Skype chat box. IM is also good for scheduling classes, staying in touch between sessions and sending files. Over time, these records build into a collection of typical mistakes made by the given student and can then be analysed to find key areas for additional study. Notes and comments of this type can be copy-pasted at the end of each Skype lesson and printed for the student’s reference. “I must to go to work at 10am (–>no TO after must, phrasal vb)”. Remember to include the student’s mistake and the correction after it, e.g. ![]() This is a useful tool for correcting students’ errors without having to constantly interrupt them and break up the flow of an interesting conversation. INSTANT MESSAGING – The IM or chat box can be used to send instant messages between student and teacher. Calls without video can also be made using the green call button, but where possible it is advisable to turn your webcams on as non-verbal communication aids understanding in the virtual classroom. It is always worth checking your Skype setup before starting an online English lesson. If you have problems with either your video or sound, click on the settings tab (graph icon) and select the correct setup for your machine. Click on the contact you wish to call, making sure that he or she is online (see icon), then simply click on the green video call button to start a conference call with video and audio. VIDEO CONFERENCING – When you log in to Skype, you will see a list of contacts on the left-hand side of the application. ![]() It is also worth keeping lists of useful websites and other online teaching resources that can be shared quickly and easily via IM and email. In order to teach effectively via Skype, you will also need materials in electronic format (Word, PDF, etc.) that can be easily sent to students. ![]() Some users prefer a Skype headset – headphone and microphone in one. Visual and audio quality can be improved by using an external HD webcam with built-in microphone and headphones. You will need a computer or tablet, a fast internet connection (not 3G), a webcam with microphone and the latest version of Skype. ![]() So why not take things one step further and use Skype to learn and teach English online? GETTING STARTED ON SKYPE Many students and teachers are already confident Skype users and feel comfortable communicating via video conference and exchanging instant messages. In 2011, Microsoft bought Skype for $8.5 billion and today its user base numbers over 663 million people. Download: This blog post is available as a convenient and portable PDF that you can take anywhere. ![]() This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems. ![]() Sales and Marketing-Knowledge of principles and methods for showing, promoting, and selling products or services.This includes alternative ways to inform and entertain via written, oral, and visual media. Communications and Media-Knowledge of media production, communication, and dissemination techniques and methods. ![]() Computers and Electronics-Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.Clerical-Knowledge of administrative and clerical procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and other office procedures and terminology.English Language-Knowledge of the structure and content of the English language including the meaning and spelling of words, rules of composition, and grammar.This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction. Customer and Personal Service-Knowledge of principles and processes for providing customer and personal services.Most Important Knowledge Areas for Meeting, Convention, and Event Planners Negotiating-Bringing others together and trying to reconcile differences.Monitoring Performance-Monitoring/Assessing performance of yourself, other individuals, or organizations to make improvements or take corrective action.Managing Time-Managing one's own time and the time of others.Being Aware of Others-Being aware of others' reactions and understanding why they react as they do.Thinking Critically-Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions or approaches to problems.Helping Others-Actively looking for ways to help people.Speaking-Talking to others to convey information effectively.Reading-Understanding written sentences and paragraphs in work related documents.Listening-Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.Coordinating with Others-Adjusting actions in relation to others' actions.Bachelor's Degree and Career Destination. Some of the popular translation tool are Google Translator, Bing Translator or use our own Gujarati Translation for FREE. You can use various online tool for translating word, sentence and phrase from English to Gujarati for FREE. For E.g the translation of "How are you?" would be "તમે કેમ છો?" in Gujarati. Typing is as simple as speaking.Ī translation tells you the meaning of words in another language. No need to remember complex Gujarati keyboard layout or spend hours of your valuable timeĭoing a speed test. You can easily type Gujarati on Facebook, Twitter, WhatsApp, Word Document and can also email it. There are detailed instructions on how to download and install the software.
The Hawaiian Tropic Island Sport Sunscreen Spray will protect you from the sun with its expert-approved, broad-spectrum SPF 30 formulation. ![]() The cap twists into a lock position, so wherever you store it, you can be sure it won’t leak or soak any of your belongings. In addition to being a quick and easy sunscreen to apply, the Hawaiian Tropic Island Sport Sunscreen comes in a slim container that barely takes up any room in a bag, plus it can easily fit in a standard water bottle pouch on the side of a backpack. The spray’s tropical smell of coconut was pleasant, though it has a hint of chemicals and is quite strong overall, which could deter people with more sensitive senses of smell. It felt a little wet at first but soon absorbed, and we completely forgot we’d even applied it. The spray disappeared nearly immediately into the skin and didn’t leave any lingering color or sheen. Its spray function made it extremely easy to apply, and it has a wide and even distribution, making it easy to quickly cover your entire body with a swift pass it clocked in with the fastest full-body application for the testers who tried it out. ![]() The Hawaiian Tropic Island Sport Sunscreen Spray achieved a perfect score in nearly every single one of our tests. Rather, we had multiple testers with different skin types and tones test them for other variables such as feel, appearance on the skin, smell, ease of application and more.Īfter multiple weeks of testing, we found three sunscreens that stood above the rest. Too many variables (skin type, time of day, the sun’s intensity, etc.) made it impossible to accurately measure efficacy in our real-world testing. To be clear, we didn’t test how well these sunscreens protect skin from the sun - for that, we relied on information from the US Food and Drug Administration and the experts we talked to (scroll down to see what they had to say). We avoided sunscreens that have oxybenzone, or either of the two active ingredients the FDA proposed as unsafe (aminobenzoic acid and trolamine salicylate). Our pool included both mineral and chemical broad-spectrum sunscreens with a minimum SPF of 30. We narrowed down a pool of 12 contenders and went hands-on with each of them for several weeks. To help you find the best sunscreen, we talked to experts about the active ingredients and other important factors you should look for. ![]() But even if trips to the beach are getting few and far between, that doesn’t mean you should stop wearing sunscreen, since you should be wearing it indoors anyway as part of your skin care routine (yes, really!). That’s why wearing a proper sunscreen is essential when spending time in the sun. And even if you don’t burn so easily (or at all), it’s still important to shield yourself from exposure to the sun’s rays, since they can cause damage to your skin in other ways, including skin cancer and premature aging. There’s no worse way to ruin what was an amazing day at the beach than getting home and realizing you’re as red as a lobster. Whether you’ve got fair skin, a darker skin tone or land somewhere in the middle, protecting your skin from the sun is important. Your CNN account Log in to your CNN account ![]() Nhi was working for a project helping poor children in Cambodia when they met. John, Nhi, and their first child David during the 2022 Tet Lunar New Year Festival. "We found many things in common as we talked, but we simply thought we had made friends," 35-year-old Nhi says. ![]() John left his Amish community in 2018, before finding a job at a company, making friends, and traveling by airplane for the first time ever.Ī friend of his then introduced him to a Vietnamese woman named Nguyen Yen Nhi. "It’s a hard decision," he says, as quitting the Amish lifestyle means cutting off contact with one’s family, friends, and communities. John says that around 15% of people choose to quit the Amish life after their rumspringa period, including himself. They can freely use modern technological devices and enjoy the convenience brought by such things, including cars, films and gadgets.Īfter rumspringa, young Amish are free to choose whether or not they want to follow the old Amish rules or leave the community. ![]() They self-produce most of what they need in an attempt to ensure that external forces don’t create distance between themselves.īefore committing to this way of life, young Amish have a "rumspringa" period, during which they can explore and experience the outside world. ![]() They avoid using digital devices including TVs, computers and mobile phones, and they travel by horse-drawn carriages. Designing the boss peppers and animating Scoville's reactions to eating them were probably my favorite parts.According to John, 39, a resident of Lancaster, Pennsylvania, there are currently over 300,000 Amish people pursuing their old-time lifestyle in the U.S. At some point we thought about setting it in a human mouth, to clarify things, but then realized that was probably too weird (thankfully). Ice cream win: draft and final animationsĪfter that I started working on backgrounds, boss characters, meters, and then all the character animations, and ending animations. Then I started sketching and making draft art to put in the prototype, so we could see what the experience would be like in interactive form. I started making storyboards for how the game could unfold while engineers worked on building prototypes. Spiciness is somewhat of a universal, comical experience, which I think opened the door for us to do something we usually might not be able to, like a fighting game. From the start it was clear it was going to be a chance to do something fun. He is perhaps best remembered for his organoleptic test, which uses human testers to measure pungency in peppers.ĭoodler Olivia When has been thinking about Scoville and his test since last summer. His book, The Art of Compounding, makes one of the earliest mentions of milk as an antidote for pepper heat. The doodle team thought his work in this field-and the development of his eponymous Scoville Scale-deserved some recognition.īorn in Bridgeport Connecticut on January 22nd, 1865, Wilbur Lincoln Scoville was a chemist, award-winning researcher, professor of pharmacology and the second vice-chairman of the American Pharmaceutical Association. Before Wilbur Scoville, however, no one knew how to measure a pepper's “heat”. People have known about the tongue-burning, tear-inducing qualities of peppers long before Columbus reached the Americas. ![]() Because each location is franchised, every salon is independently owned and operated under the Regal name. In fact, it is the largest nail salon franchise in the United States. The brand has obviously been quite successful as it has built up many location since its inception in 1997. The rest is history as the brand is now known for its major presence in many Walmart locations across the country. A different salon was supposed to take over the space, but when they pulled out at the last minute, Regal Nails immediately filled the void. It quickly branched out by moving a second location into a Walmart in Louisiana. However, it started much smaller with its initial history originating from a Kmart in Brooklyn, Ohio. Today, Regal Nails is known as a large franchised nail salon business with over 900 locations across the country. Keep in mind that all locations are franchised and what may be sold at one location may differ significantly from products sold at another. In addition, you may also want to purchase a gift card to the salon as a special surprise for someone special in your life. However, some sell the salon-quality nail polishes that they use by the front desk. Regal Nails focuses mainly on manicure and pedicure services. To confirm current hours, please contact your local salon. Regal Nails Price Listĭisclaimer: Hours of operation may vary slightly from one location to the next. If your nails are not as healthy as you would like, ask your location about nail repair or removal. You may also want to consider some of their add-on services, such as polish removal, nail art or a simple polish change. No matter what type of manicure you’d like, Regal Nails probably offers it. They also offer traditional styles, such as French tips. Many locations offer the trendiest nail designs, including gel nails and the newer dip powder manicures. However, Regal Nails really shines when it comes to manicure services. The spa pedicure offers a truly luxurious experience. Regal offers several price points depending on the color and service chosen. ![]() If you want a relaxing experience, opt for one of their pedicure services, which is done in an ergonomic massage chair. Rather than spreading their time and energy over several service areas, Regal Nails locations focus on what they do best, which is providing great manicures and pedicures and helping your nails look healthy. You will enjoy the calming colors and modern environment along with the relaxing, ergonomic chairs. The environment is surprisingly calm and luxurious for being located inside Walmart, and your experience is sure to be relaxing. This nail salon is the perfect choice whether you are a single adult wanting to get ready for a special weekend, a bachelorette looking for a great experience with your friends or a mom looking for a bonding experience with your daughter. However, most of the time, you can get in quite quickly when you simply show up. Others offer walk-in appointments only or offer appointments via telephone, which is recommended during prime hours. Some locations offer online booking to make your experience as seamless and simple as possible. Most of their locations are located directly in Walmart stores and Supercenters and are easily accessible as you are running your errands or grabbing groceries for the evening.You can even combine a pedicure with a new hairstyle at a SmartStyle hair salon which is also located inside many Walmarts. Regal Nails is the obvious choice if you are a busy adult wanting to get your nails done before or after running your errands. Regal Nails Links Why Choose Regal Nails?.My the nail polish peeled off some of my fingers 3 times. I tried them recently and my pedicure and nails were horrible after they dried. I stopped going here prior the pandemic because they don't understand what you tell them. First was last February 2020, infecting all 10 fingers, and required $. For the second year in a row I have contracted a terrible nail infection from Q Nails. There was sign might say that they are open but only to specific people. This place is very prejudiced on who they accept and take as a customer at specific times. Because they do a lot of walk-in business, you. They have really talented employees and are always upgrading their facilities. This is the spot for getting your manis and pedis in Collinsville. The core challenge of this section of the game is to avoid the shockwave, which is a design decision that has implications regarding the level geometry. These ludic functions of sound are unique to the medium of video games, and INSIDE provides a valuable case-study in combining multiple functions using the single core mechanic of persistently looping audio. The “musical suture” (Kamp, in: Ludomusicology: approaches to video game music, Equinox, Sheffield, 2016) created by continuously looping audio during death and respawn is also examined with regards to immersing the player within an evolving soundscape.Ĭollins ( 2008) posits that interactive games must ensure that the player hears sounds that provide feedback based on their actions, instruct them as to their objectives, and orientate them within the world of the game. ![]() ![]() The concept of spectromorphology proposed by Smalley (Organised Sound 2(2):107–126, 1997) is used to analyse the way in which musical cues can retain ludic functionality and promote immersion in the absence of diegetic sound design. This paper uses this aspect of the soundtrack as a case study, examining the effects of looping sound effects and abstract musical cues on player immersion, ludic functionality, and episodic engagement. Released on Microsoft Windows, Playstation 4, Xbox One, Nintendo Switch and iOS, 2016) features a gameplay section in which rhythmic audio cues loop continuously both during gameplay and after player death. The manner in which soundscapes evolve and change during gameplay can have many implications regarding player experience. |
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