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1 27 July 2021 Virgin Money UK PLC: Third Quarter 2021 Trading
27 July 2021 Virgin Money UK PLC: Third Quarter 2021 Trading Update Virgin Money UK PLC (“VMUK” or the “Group”) confirms that trading in the three months to 30 June 2021 was in line with the Board’s expectations. David Duffy, Chief Executive Officer: “Virgin Money performed well as our strategy continued to translate into improved financial delivery in a strengthening environment. We carried our momentum of relationship deposit growth into the second half, reducing our cost of funds. Our asset quality remained robust, while capital ratios improved further. “The positive reaction to our switching incentives and product launches reflects our focus on transforming customer experience, backed by the unique advantages of one of the world’s most- recognised brands. We have also advanced our ESG agenda with our first greener mortgage product and sustainability-linked business loans. “We have increased full-year NIM guidance and, while COVID continues to impact the near-term, we have a strong capital position and robust provisions. We see great opportunities from further developing our digital capabilities to deliver an improved customer experience and greater efficiencies. We are well placed to grow profitably next year as we play our role to support the UK economic recovery.” Q3 Summary – Continued financial & strategic momentum; improving asset quality backdrop Strong relationship deposit balance growth with stable lending balances Relationship deposits increased 3.7% to £29.8bn, whilst overall deposits decreased by (0.8)% to £68.0bn as the -
1 Survey Questionnaire for New Product Pricing Strategy Selection
Survey questionnaire for new product pricing strategy selection and quantification of importance and interaction degrees of decision attributes Dear Madam/Sir This is an academic research about “Evaluating new product pricing strategies via Fuzzy Cognitive Maps and hierarchical fuzzy TOPSIS”. The purpose is to select best pricing strategy for your new product and to explore the importance and interactions of several attributes on the new product pricing strategy selection decision. We would like to cordially invite you to contribute to our academic research by filling out the enclosed questionnaire. Having the honor of obtaining your precious opinions, the result and credibility of this research will be tremendously benefited. All the information provided will be used for academic purposes only, and will not be separately announced to the outside or transferred to other applications. Please feel at ease in filling out the answers. Your support will be very crucial to the successful completion of this research. We sincerely hope that you would spend some time to express your opinions to be taken as reference for this research. Please accept our most sincere appreciation. Thank you and wish you all the best. 1. Instructions for filling out the questionnaire This questionnaire is divided into six parts. 1) Instructions for filling out; 2) Descriptions of attributes; 3) Method for filling out; 4) Comparison of the impact of the six main attributes; 5) comparison of the impact of the 29 sub attributes; 6) Comparison of interaction degrees; 7) Descriptions of alternative pricing strategies; 8) Method for filling out ratings of alternatives 9) Rating of alternatives with respect to sub-attributes. -
MELT © Heidi Wicks (Thesis)
MELT © Heidi Wicks (Thesis) submitted to the School of Graduate Studies in partial fulfillment of the requirements for the degree of Master of Arts (Creative Writing) Faculty of Humanities and Social Sciences Memorial University of Newfoundland May 2019 St. John’s Newfoundland and Labrador MELT A novel by Heidi Wicks 1 Melt shifts between two girls who come of age together during two economically turbulent times - the late ‘90s and present-day - in St. John's, Newfoundland. The women navigate break-ups, tanning beds, spray tans, drifting desires, at least one kid with a raisin up his nose, drunken dancing, infidelity, death, sex in Middle Cove, job loss at the CBC and love loss at the Avalon Mall. Through the pockets of their maddening but beloved city, their friendships and relationships are tested, but their brazen humour and deep- rooted friendship helps them ice-pick through the winter sludge and spring muck and get them through until it’s summer once more. 2 Chapter One “About here?” Cait slices her index finger across the middle of her right thigh, softly. A knife etching a line in butter. “Your father’s not lettin’ you get away with a slit that high.” Tilley Brophy plucks the cigarette from her lips and releases a poof of smoke that curls into the shape of an anchor. She jabs the butt into a heavy crystal ashtray and coughs like her freakin’ lungs are about to vault from her body and splat against her half-brown-carpet, half-brown- wood-panel wall in her house by the Village Mall. -
National Practices Survey Report 2017
National Practices Survey Report 2017 A survey of residential service providers for victims of domestic human trafficking Jeanne L. Allert, Editor The Samaritan Women Express permission from The Samaritan Women is required prior to reproduction or distribution of any part of this report. For more information contact: Jeanne L. Allert [email protected] © The Samaritan Women Institute for Shelter Care Section A. Background In 2016, our organization, The Samaritan Women, was gifted with the funds to host a national conference for service providers that offer residential care to victims of domestic sex trafficking. The gathering was held over a four-day period at Wheaton College in Chicago, Illinois in July of that year. Twenty-two agencies were present, and a host of individuals who aspired to get involved in survivor care. From that event, three observations emerged: 1. The majority of those in attendance were the founders of their organizations, many of whom left other occupations to pursue what they felt to be a calling on their lives. All of us had weathered long seasons of feeling alone, crazy, full of doubt, despair, and isolation...and yet we pressed on. It was poignantly clear that this group of pioneers needed the collegiality of this unique gathering. 2. Many of us were having similar experiences and making comparable decisions, but had no baseline against which to measure if we were doing things correctly. To this day there remains no credible, authoritative entity offering guidance (or dare we say, “best practices”) for how this work should be done. 3. The other group of people who attended the 2016 conference were those who were in some stage of envisioning a similar work, or having trouble getting started. -
Comment Submitted by David Crawley Comment View Document
Comment Submitted by David Crawley Comment View document: The notion that my social media identifier should have anything to do with entering the country is a shockingly Nazi like rule. The only thing that this could facilitate anyway is trial by association - something that is known to ensnare innocent people, and not work. What is more this type of thing is repugnant to a free society. The fact that it is optional doesn't help - as we know that this "optional" thing will soon become not-optional. If your intent was to keep it optional - why even bother? Most importantly the rules that we adopt will tend to get adopted by other countries and frankly I don't trust China, India, Turkey or even France all countries that I regularly travel to from the US with this information. We instead should be a beacon for freedom - and we fail in our duty when we try this sort of thing. Asking for social media identifier should not be allowed here or anywhere. Comment Submitted by David Cain Comment View document: I am firmly OPPOSED to the inclusion of a request - even a voluntary one - for social media profiles on the I-94 form. The government should NOT be allowed to dip into users' social media activity, absent probable cause to suspect a crime has been committed. Bad actors are not likely to honor the request. Honest citizens are likely to fill it in out of inertia. This means that the pool of data that is built and retained will serve as a fishing pond for a government looking to control and exploit regular citizens. -
67453 O4 Proposal Opening: May 15, 2015
For public information purposes only; not part of contract. Request for Proposal Number 4958 Z1 Contract Number 67453 O4 Proposal Opening: May 15, 2015 In accordance with Nebraska Revised Statutes §84.712.05(3), the following material(s) has no t been included due to it being marked proprietary. Firespring 1. None In accordan ce with Fed eral U.S. Copyright Law Title 17 U.S.C. Section 101 et seq., Title 1 8 U.S.C. 2319, the following material(s) has not been included due to them being copyrighted. Firespring 1. None May IS, 2015 Dear Selection Committee, Thank you for allowing us to present our capabilities and qualifications for your consideration. It is our privilege to supply you with the enclosed information in response to your request for proposal. We are e)(cited about the opportunity to help your organization increase statewide education on and pubUc awa reness of th e need for organ and tissue donation. Snitily Carr has taken on similar educational and awareness challenges before and has a proven tfack record in helping public health organizations accomplish their campaign goals. We approach these challenges seriously and strategically. To us, it's much more than a campaign-it is a mission. Ultimatel y, it is about people's lives and the well-being of Nebraska families. And to be successful, it requires much more than a client-vendor relat ionship-it requires a strategic partnership. That collaborative approach combined with our e)(perience, resources, and passion for the cause makes us ideally suited to be your communications partner. -
Content Experts Reveal for Kids Their Secrets Positive Digital Content for Kids
EDITED BY REMCO PIJPERS & NICOLE VAN Den BOSCH POSITIVE DIGITAL content EXPERTS REVEAL FOR KIDS THEIR SECRETS POSITIVE DIGITAL content FOR KIDS EXP ERTS REVEAL THEIR SECRETS EDITED BY REMCO PIJPERS & NICOLE VAN Den BOSCH POSCON & MIJN KIND ONLIne CHAPTER 3 CHAPTER 5 TABLE OF 56 84 Science & Family Crowdfunding & Coding Het Klokhuis: exploring Science with an App Hello Ruby: Planting the Seed CONTENTS 96 Do-It-Yourself ‘Maker Spaces’ FOREWORD CHAPTER 1 4 26 By neelie Kroes, former Vice-President Testing & Humour of the european commission BB c App: educational and entertaining 40 Laughter & Apps INTRODUCTION 8 Children & Media, Viewpoints from Experts > Sonia Livingstone: Let Kids create and Participate CHAPTER 6 > 98 Patti M. Valkenburg: the teletubbies controversy Co-creating & Characters CHAPTER 4 & the Value of entertainment 5 4 3 2 1 the Playful World of toca Boca 70 Strategy & Innovation the Ravensburger Philosophy: enjoyment, education & togetherness CHAPTER 2 42 Gaming & Education Paxel123: Play & Learn APPENDICES 112 > c hecklist for Positive content for Kids Aged 4-12 > ten Privacy tips for App Developers > About PoSCOn & Mijn Kind online FOREWORD owadays, most of us access online child-abusive material. All of these contribute to content from many different devices, making the Internet a place where children can such as smartphones, tablets and com- have positive experiences. Nputers. Many of us produce online content too. either way, the Internet is a fantastic However, progress in this area is a shared respon- place to learn, play, interact and explore. sibility, and the PoSCOn network – funded by the eU Safer Internet programme – has also been THE My job as european commissioner for the Digi- very active in gathering experts from the public tal Agenda is to ensure that all europeans can and private sector from all over europe in order to benefit from digital technology – including kids, exchange their experiences and devise plans for who are going online at a younger and younger stimulating positive online content for children. -
With Eye on Trump, Paris Talks to Push for ME Peace
SUBSCRIPTION SATURDAY, JANUARY 14, 2017 RABI ALTHANI 16, 1438 AH No: 17110 Kuwait offers Cabinet picks Top two collide treatment to contradict in latest Syria refugees Trump stands challenge for in Turkey 3 on14 issues flying47 Real With eye on Trump, Paris talks to push for ME peace Max 19º 150 Fils Sheikh Khaled Al-Sabah to lead Kuwaiti delegation Min 07º PARIS: Around 70 countries and international organizations make a new push for a two-state solution in the Middle East at a conference tomorrow, just days before Donald Trump takes office vowing unstinting support for Israel. The Paris meeting aims to revive the moribund Israeli-Palestinian peace process, amid fears of fresh violence if Trump implements a pledge to recognize the contested city of Jerusalem as Israel’s capital. But neither Israel nor the Palestinians will be represented in Paris, and Israeli Prime Minister Benjamin Netanyahu has dismissed it as a “rigged” conference, insisting that only bilateral talks can bring peace. Meanwhile, First Deputy Prime Minister and Foreign Minister Sheikh Sabah Al-Khaled Al-Hamad Al-Sabah will leave for Paris today to lead Kuwait’s delegation to the conference. Sheikh Sabah Al-Khaled will deliver a speech during the gathering, elab- orating on Palestinian and Arab concerns over the regional peace process and reiterating Kuwait’s stance on Palestinian state. Sheikh Sabah Al-Khaled’s accompanying delegation includes Assistant Foreign Minister for the First Deputy Prime Minister and Foreign Minister’s Office Affairs Sheikh Dr Ambassador Ahmad Nasser Al-Mohammad Al-Sabah, Kuwaiti Ambassador to Paris Sami Al-Suleiman, Assistant Foreign Minister for Arab Affairs Ambassador Aziz Al-Daihani and several other senior officials of the Ministry of Foreign Affairs. -
Download the Music Market Access Report Canada
CAAMA PRESENTS canada MARKET ACCESS GUIDE PREPARED BY PREPARED FOR Martin Melhuish Canadian Association for the Advancement of Music and the Arts The Canadian Landscape - Market Overview PAGE 03 01 Geography 03 Population 04 Cultural Diversity 04 Canadian Recorded Music Market PAGE 06 02 Canada’s Heritage 06 Canada’s Wide-Open Spaces 07 The 30 Per Cent Solution 08 Music Culture in Canadian Life 08 The Music of Canada’s First Nations 10 The Birth of the Recording Industry – Canada’s Role 10 LIST: SELECT RECORDING STUDIOS 14 The Indies Emerge 30 Interview: Stuart Johnston, President – CIMA 31 List: SELECT Indie Record Companies & Labels 33 List: Multinational Distributors 42 Canada’s Star System: Juno Canadian Music Hall of Fame Inductees 42 List: SELECT Canadian MUSIC Funding Agencies 43 Media: Radio & Television in Canada PAGE 47 03 List: SELECT Radio Stations IN KEY MARKETS 51 Internet Music Sites in Canada 66 State of the canadian industry 67 LIST: SELECT PUBLICITY & PROMOTION SERVICES 68 MUSIC RETAIL PAGE 73 04 List: SELECT RETAIL CHAIN STORES 74 Interview: Paul Tuch, Director, Nielsen Music Canada 84 2017 Billboard Top Canadian Albums Year-End Chart 86 Copyright and Music Publishing in Canada PAGE 87 05 The Collectors – A History 89 Interview: Vince Degiorgio, BOARD, MUSIC PUBLISHERS CANADA 92 List: SELECT Music Publishers / Rights Management Companies 94 List: Artist / Songwriter Showcases 96 List: Licensing, Lyrics 96 LIST: MUSIC SUPERVISORS / MUSIC CLEARANCE 97 INTERVIEW: ERIC BAPTISTE, SOCAN 98 List: Collection Societies, Performing -
Sbsgovernment Post Graduate College, Rudrapur
S.B.S.Government Post Graduate College, Rudrapur (Udham Singh Nagar) M.Com. IV Sem. MARKETING MANAGEMENT Study Notes UNIT- III PRODUCT AND PRODUCT PLANNING Dr. P.N.Tiwari Associate Professor UNIT- III PRODUCT AND PRODUCT PLANNING INTRODUCTION Product is the key element of marketing programme. The product or service is the heart of the marketing mix. Without a product there is no chance to satisfy the customers need because without product there will be nothing to distribute, nothing to promote and nothing to price. Therefore, before making decisions about pricing, promotion and distribution, a firm has to determine what product it will present in the market. The marketing mix, which is the means by which an organisation reaches its target market, is made up of product, pricing, distribution, promotion and people decisions. These are usually shortened to the acronym "5P's". Product decisions revolve around decisions regarding the physical product (size, style, specification, etc.) and product line management. DEFINITION A product can be defined as a collection of physical, service and symbolic attributes which yield satisfaction or benefits to a user or buyer. A product is a combination of physical attributes say, size and shape; and subjective attributes say image or "quality". A customer purchases on both dimensions According to Jobber (2004), “ A product is anything that has the ability to satisfy a consumer need.” In the words of Dibb et al ,” A product is anything, favorable and unfavorable that is received in exchange.” CLASSIFICATION OF PRODUCTS A product's physical properties are characterized the same the world over. -
Same Refreshing Taste, No Empire: Argentinean Advertising, Coca-Cola and the Shortcomings of the Cultural Imperialist Framework in Buenos Aires, 1940-1965
Same Refreshing Taste, No Empire: Argentinean Advertising, Coca-Cola and the Shortcomings of the Cultural Imperialist Framework in Buenos Aires, 1940-1965 Solange Hilfinger-Pardo Swarthmore College: Honors History Thesis 2012 Table of Contents ACKNOWLEDGEMENTS 1 INTRODUCTION 2 CHAPTER 1: PITCHING PROGRESS 11 CHAPTER 2: A DRINK OF MODERNITY 47 CHAPTER 3: FORGETTING COKE, REJECTING EMPIRE 84 CONCLUSION 105 BIBLIOGRAPHY 108 ApPENDIX 117 Acknowledgements I would like to thank the Eugene M. Lang Summer Initiative Grant for making my research possible. I am extremely grateful for my advisors, Tim Burke and Diego Armus, for the ways they supported, challenged and guided me throughout this process. Thanks as well to Bruce Dorsey and Shane Minkin for their instruction throughout the early stages of the project and for helping shape me into the historian I am today. Thanks to the Porteftos I interviewed for giving me a glimpse of their pasts. I am grateful for finding such wonderful people who gave me a place stay in Buenos Aires and kept me light hearted-Eugenia Galiftanes and Flor Ubertalli. I must thank my friends and family for keeping me grounded and giving me the energy to keep going; to Christina Buchmann for teaching me how to write and Claudia Mores for loving me always. There are no words to describe my gratitude to my Mother and Father for showing me such immense tenderness and care throughout every stage of life. And of course, thank you to my sister, Paz Hilfinger-Pardo, exotic punctuation extraordinaire-this is dedicated to you. I Introduction On a sunny day in 1954, 8 year-old Luis Trabb sat on the edge of a soccer field just outside Buenos Aires sipping on his first bottle of Coca-Cola. -
Men, Masculinities and the Modern Career
Men, Masculinities and the Modern Career Men, Masculinities and the Modern Career Contemporary and Historical Perspectives Edited by Kadri Aavik, Clarice Bland, Josephine Hoegaerts, and Janne Salminen An electronic version of this book is freely available, thanks to the support of libraries working with Knowledge Unlatched. KU is a collaborative initiative designed to make high quality books Open Access. More information about the initiative and links to the Open Access version can be found at www.knowledgeunlatched.org Knowledge Unlatched The Open Access book is available at www.degruyter.com Funded by the European Research Council (CALLIOPE ERC StG 2017) and by the Helsinki University ‘Future Fund’. ISBN 978-3-11-064734-1 e-ISBN (PDF) 978-3-11-065187-4 e-ISBN (EPUB) 978-3-11-064786-0 https://doi.org/10.1515/9783110651874 This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License. For details go to http://creativecommons.org/licenses/by-nc-nd/4.0/. Library of Congress Control Number: 2020939275 Bibliographic information published by the Deutsche Nationalbibliothek The Deutsche Nationalbibliothek lists this publication in the Deutsche Nationalbibliografie; detailed bibliographic data are available on the Internet at http://dnb.dnb.de. © 2020 Kadri Aavik, Clarice Bland, Josephine Hoegaerts, and Janne Salminen, published by Walter de Gruyter GmbH, Berlin/Boston. The book is published with open access at www.degruyter.com. Cover image: okeyphotos/E+/Getty Images Typesetting: Integra Software