This strategy would have caused a lot of confusion because they would implement it only for certain financial institutions (FIs) at a time. This is due to the fact that the Fed was originally planning to roll this new standard out in phases. Q: Has industry demand for same-day, versus the phased implementation of ISO 20022 inadvertently, and unnecessarily, delayed implementation and the benefits of the enhanced message format?Ī: This has definitely delayed them. It also helps tangentially with OFAC screening, because you can screen for the address of a sanctioned party as well as the name. This allows a compliance professional to pinpoint if it is normal activity for this customer to be sending or receiving a wire transfer from this country. Therefore, your systems can take that data in these nice separated fields, and then look for specific countries or addresses. The ISO standard, on the other hand, gives you a separate field for each separate component of an address, including a field for countries. I have seen addresses that most AML systems could not make any sense out of because too much information is crammed into three lines of text. Q: How would the implementation of the ISO standard for Fedwire mitigate existing AML weaknesses in the system?Ī: The primary benefit that it would have is it would clean up the address records on wires because, as I described in today’s world with Fedwire, it’s just 3 35-character lines. In addition, wire transfers are not typically reversible as they are legally viewed as a non-negotiable transfer that has been completed through a payment order, which is then settled immediately. That is because a wire transfer is an ad hoc transaction. This is different from wire transfers, however, as wire transfers are not typically reversible. Finally, Laurie will explore the money laundering, fraud risks and red flags associated with wire transfers and how you as a compliance professional can mitigate them.Ī: An ACH transaction can be reversed if it’s a fraudulent transaction, has an incorrect amount or has an incorrect account number. She will then discuss the FinCEN “Travel Rule”, as well as sanctions screening best practices for wire transfers. and globally, and how they differ from other types of money movement methods. The webinar also delves into the mechanics of wire transfers, both in the U.S. financial institution that processed 12,000 to 15,000 wire transfers per day. In this webinar, Laurie Kelly, CAMS, shares her knowledge and experiences gained from 20 years in leading the AML, fraud, and sanctions compliance functions for a $130 billion U.S. Compliance professionals must be able to recognize the red flags in wire transfer transactions that may indicate money laundering or fraud is taking place through a customer’s account. In order to properly detect suspicious activity, AML compliance and fraud professionals must understand how wire transfers work, both in the U.S. Wire transfers have long been the tool of choice for money launderers and fraudsters.
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Suddenly one of the thorns detached and fastened itself in her forehead so deeply that she could not remove it. After hearing a sermon on the Passion of Christ she returned to her cell kneeling before her crucifix, she implored: “Let me, my Jesus share in Thy suffering, at least of one of Thy thorns”. Rita’s hidden, simple life in religion was distinguished by obedience and charity she performed many extreme penances. Astonished at the miracle, the Nuns received Rita, and soon enrolled her among their number. In a miraculous way she was conducted to the monastic enclosure, no entrance having been opened. One night as Rita was praying earnestly in her humble home she heard herself called by name, while someone knocked at the door. God Himself, however, supported her cause. Three times she sought admittance among the Augustinian Nuns in Cascia, but her request was refused each time, and she returned to her home in Rocca Porrena. Rita’s former desire to consecrate herself to God again took possession of her. Rita continued her accustomed devotions, and her sanctity and prayers finally won her husband’s heart so that he willingly consented that she continue her acts of devotion.Įighteen years had elapsed since her marriage, when her husband was murdered by an old enemy both of her sons died shortly after. Two sons were born to them, each inheriting their father’s quarrelsome temperament. Pious though her parents were, their tearful pleadings to postpone her noble purpose prevailed on Rita, and they gave her in marriage, at the age of eighteen, to an impulsive, irascible young man, who was well fitted to try the patience and virtue of the holy girl. At the age of twelve, however, she desired to consecrate herself to God in the religious state. To satisfy her desire of a life of union with God by prayer, her parents fitted up a little room in their home as an oratory, where she spent all her spare moments. Rita’s childhood was one of happiness to her parents. You who were so very pleasing to God on earth and are so much so now in heaven, I promise to use this favor, when granted, to better my life, to proclaim God’s mercy, and to make you more widely known and loved. Join your prayers to mine and obtain for me the grace I desire (here mention your request). I know that God has a most generous heart and that he is a most loving Father. Come to my help, speak for me, pray with me, intercede on my behalf before the Father. You know well my trials, for you yourself were many times burdened in this life. Rita, rightly called Saint of the Impossible, I come to you with confidence in my great need. Make Your iPhone Camera Open to Your Last Used Shooting Settings So You're Always Ready Stop Videos & Live Photos from Auto-Playing in the Photos App on iOS 13 Take or Disable Live Photos During a FaceTime Video Call Still Missing Live Photos on Your Android? Try These 3 Apps How to Upload Live Photos as Instagram Videos & Stories Turn Burst Photos into GIFs on Your iPhone Open Your iPhone Camera to Portrait Mode Every TimeĪutomatically Send 'Low-Quality' Photos in Messages to Use Up Less Data on Your iPhone Make Animated Selfie Stickers on Your iPhone Using Giphy's New Keyboard Extension IOS 10 Lets You Edit, Crop & Add Filters to Live Photos on Your iPhone The 7 Best New Features for Live Photos in iOS 11 for iPhones You Don't Need a New iPhone to Take Live Photos Get Apple's Live Fish Wallpapers Back on Your iPhone The Best Way to Make GIFs Out of Anything on Your iPhone Tweet Live Photos by Converting Them to GIFs in Twitterīring Apple's 'Live Photos' Feature to Your Android Device Google's New App Fixes Everything Annoying About Apple's Live Photos Share Live Photos with Anyone by Converting Them to GIFs Thanks to Google, iPhone Users Can Finally Pick a New Frame for Their Live Photos The 8 Best New Features in iOS 11's Photos App for iPhone Turn Your Live Photos into Looping or Bouncing GIF-Like Videos That Anyone Can Watch Set a GIF as a Live Wallpaper for Your iPhone's Lock Screen Background 59% off the XSplit VCam video background editorĬover photo, screenshots, and GIFs by Justin Meyers/Gadget Hacks Related.Get a lifetime subscription to VPN Unlimited for all your devices with a one-time purchase from the new Gadget Hacks Shop, and watch Hulu or Netflix without regional restrictions, increase security when browsing on public networks, and more. Keep Your Connection Secure Without a Monthly Bill. Follow WonderHowTo on Facebook, Twitter, Pinterest, and Flipboard.Follow Gadget Hacks on Facebook, Twitter, YouTube, and Flipboard.Now, Giphy GIFs may not always be the best quality for Live Photo wallpapers, but who cares about quality when you just want to have fun? More Info: How to Choose a New 'Key Photo' for Live Photos Release your finger and "Make Key Photo" will appear. Just tap on the edit icon at the bottom after opening up the Live Photo, tap and hold on the little white box on the slider, then move it around until you find the new thumbnail you want. If you'd ever like to adjust the still frame that's automatically chosen for your Live Photos, you can easily do so as long as you're running iOS 11 or higher. Different countries may have varying rules due to security concerns or local regulations. When traveling internationally, it’s essential to be aware of specific regulations and restrictions regarding ice packs in checked luggage. Regulations for International Travel with Ice Packs Let’s remember that even small changes can make a significant impact on our environmental footprint. Local sources at your destination can also provide cold items upon arrival, reducing the need for travel-packed perishables.īy making these simple switches and embracing environmentally friendly alternatives, we can travel with peace of mind and do our part to protect our planet. Additionally, consider using frozen water bottles as a substitute for traditional ice packs. These bags can keep items cool without the need for additional frozen gel packs. To further reduce waste and choose eco-friendly alternatives, opt for insulated bags or coolers instead of relying solely on ice packs. These can be refrozen after each use, reducing both waste and expenses. To minimize our ecological footprint, investing in reusable ice packs made from non-toxic gel or other sustainable materials is a better choice. Disposable ice packs contribute to unnecessary waste, filling up landfills. See also Will Flight Prices Decrease? Expert Insights & Tips!Įnvironmental Impact of Using Ice Packs in Checked LuggageĪs we strive to be more environmentally conscious, it’s crucial to consider the impact of using ice packs in checked luggage. Separate them in individual compartments and consider using a waterproof bag or plastic wrapping for extra protection.īy following these safety measures, you can keep your belongings safe and enjoy the benefits of using ice packs throughout your journey. Securely position the ice pack within your suitcase to minimize movement and avoid punctures.Īdditionally, ensure that electronic devices or valuable items do not come into contact with moisture from the ice pack. Double bagging the ice pack with a ziplock bag or plastic wrap can contain any potential leaks during travel. When packing ice packs in your checked luggage, it’s important to take precautions to prevent leaks or spills. Safety Considerations for Using Ice Packs in Checked Luggage Best Practices for Storing and Reusing Ice Packs.Real-life Experiences with Using Ice Packs in Checked Luggage.Regulations for International Travel with Ice Packs.Environmental Impact of Using Ice Packs in Checked Luggage.Safety Considerations for Using Ice Packs in Checked Luggage.Airport staff will place the dry ice tag on your hand baggage or checked baggage in which the dry ice is carried. In addition, you must inform airport staff that you are bringing dry ice on board at the time of check-in. If you bring dry ice into the cabin, the quantity of dry ice must be less than 2.5kg (5lb) and suitably packed to allow CO2 gases to evaporate freely to assure inflight safety.Please refer to the Taoyuan International Airport website for more detailed information. You may bring ice gel packs into the cabin, the volume of each individual ice gel pack brought into the cabin shall not exceed 100ml and shall be placed in a transparent and re-sealable plastic bag to comply with the security controls under the carriage of Liquids, Aerosols, and Gels (LAG) in hand baggage by the International Civil Aviation Organization (ICAO).We suggest that you prepare your personal cooler bag or vacuum flask with ice gel packs or dry ice inside to chill your food items.Due to limited refrigeration space onboard, we are unable to offer passengers the ability to store and refrigerate personal belongings in the chiller. Editing takes place in the Develop Module just next to it. By default, when you open Lightroom, you will be in the Library Module. Module – In Lightroom Classic, these are the view modes on the top right of the application. The Exposure Slider is the control used to affect the overall brightness of an image. For example, Exposure in the basic editing panel in the Develop Module. These are mostly found in the editing panel, but they control how much of a certain effect is used. If you come across a word in this guide that you don’t know, most likely you’ll be able to find it here by pressing Ctrl+F (Cmd+F on Mac) and typing the word to search on the webpage. I’ll start with the most commonly used words, and continue from there. Most of the terms used in Lightroom come from the film days, but of course, many new terms have been added since then. If you don’t know what you’re talking about, it’s hard to even know what questions to ask the experts. One of the reasons that Lightroom can be so overwhelming, is that the terminology can be so foreign to people who are new to photography. To start, I’m going to go over the terms that’ll be used in this article. If there’s anything you want to see here, reach out to me in the comments below, or on Instagram. | Terminology | Importing Photos | Library Module | Develop Module | Presets | B&W Conversion | Curves | Hue Saturation Luminance color toning | Dodge and Burn | Computer recommendations | Straightening photos | Shooting in Jpeg or Raw | Editing on an external hard drive | Getting started with Editing | Sharpening | In the meantime, here are some quick links to the most important sections. So if you’re confused about the terminology, or don’t know how to ask your question, this section will be the best place to start. Just below this are the photography specific terms that are used in this article. If you have specific questions, use Ctrl or Cmd + F in your browser to search for some keywords. It will contain everything, from the important process to advanced techniques like photo merging, cloning, preset making, local adjustments, among others. This article is a living, breathing document that will be constantly updated with all of the latest blog posts over the course of Photography Academy. This program has been essential to my everyday life as a professional photographer. I’ve been through nearly every iteration of the program since Adobe switched over to Creative Cloud. Now that you have the history, I’ve been working with Lightroom pretty well since the day it came out. Initially, Adobe had Bridge to help with cataloguing and labelling, but it just wasn’t enough. Digital cameras meant that photoshoots could encompass hundreds or even thousands of photos, and there was no additional cost, or time spend developing individual rolls of film.īut while large volumes of photos are really cool, if there was no way to process them efficiently, what’s the point? Photoshop is the most powerful tool out there, but it’s not able to organize, catalogue, refine, label, and edit all in one program. The program has been around since 2007, a time when digital cameras were finally starting to take over the professional market. That said, just like Microsoft Excel, it can have a very steep learning curve for photographers just starting out. Scenes like this require spending time in Lightroom Classic. This isn’t the way the image looked on the back of the camera. It’s almost a one-stop-shop for a photographer’s entire editing workflow. It’s the photographer’s equivalent to Microsoft’s Excel, which nerds and bean counters have loved for generations because of its flexibility to do literally anything you throw at it. Adobe Lightroom is one of the most powerful tools out there for photographers. Las Vegas Nightlife 1 OAK Las Vegas 1 OAK Nightclub 18bin 1923 Prohibition Bar 2Wheels Boulder City 3380 E Russell Rd 595 Craft and Kitchen 90 NINETY Bar + Grill 911 Taco Bar Aces & Ales Tenaya Agave Bar & Grill Alexxa's Bar Aloha Kitchen and Bar Windmill Alto Bar AmeriBrunch Cafe American Beer & Cocktails Antigua Bohemia Bar and Restaurant Applebee's Grill + Bar Applebee's Grill + Bar Applebee's Grill and Bar Area 51 Arroyo Golf Club Art Bar Arts District Kitchen Atomic Liquors Bacon Bar Bahama Breeze | Las Vegas Baja Bar & Grill Balkan Bar and Grill Bar Code Burgers Bar latino El Rincón Nayarita Bar LUCA Bar Parasol Bar Prohibition! 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Quick and easy to use with many advanced options which are there if you need them, out of the way if you don't.Supports Interactive Notifications, which allow you to mark reminders done, snooze reminders, restart timers - directly from the notification (lock screen, Notification Center, Apple Watch).iCloud syncing keeps your data updated on multiple iOS devices as well as providing an off-device backup (Extras Package).Timer Queues are multiple timers in a single entity that fire in sequence.Count Up timers for tracking progress on activities.Countdown timers for the usual timing events, such as cooking, laundry, etc.Supports countdown, count up and timer queues.Simple to create and use - tap, spin and go.
Travel protections and benefits can help your trip run exceptionally smoother. Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more-you can even transfer your miles to your choice of 15+ travel loyalty programs.Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options.Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.Receive up to a $100 credit for Global Entry or TSA PreCheck ®.Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more.Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network.Earn unlimited 2X miles on all other purchases.Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel.Plus, transfer your miles to any of the 15+ travel loyalty programs Redeem your miles on flights, hotels and more.Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary.Receive a $300 annual credit for bookings through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options.Earn 150,000 bonus miles when you spend $30,000 in the first 3 months, which is equal to $1,500 in travel.Here are some snapshots of current welcome offers and more information on our featured cards: Offers do change, so you’ll want to check for the most current one before applying. Keep this in mind when comparing welcome offers between the 2 cards. It’s worth noting that the Capital One Venture X Business card has had a much larger welcome offer than the Capital One Venture X card but also has had a much higher spending requirement. The welcome bonus is earned by meeting minimum spending amounts in the specified period after card approval. This is a unique chance to jumpstart your rewards earnings. Once you’re approved for either the Capital One Venture X Business card or the Capital One Venture X card, you’ll have an opportunity to earn a generous welcome bonus offer of Capital One miles. Add up to 4 additional cardholders to your account for no fee ( rates & fees).Purchase security, extended warranty, and return protection.Global Entry/TSA PreCheck reimbursement.$300 annual travel credit via Capital One Travel.Redeem for a statement credit for travel purchases from the previous 90 days.Transfer miles to airline or hotel partners.Redeem for travel via Capital One Travel.10,000 anniversary bonus miles (starting with your first renewal).5x miles on flights via Capital One Travel.10x miles per dollar spent on rental cars and hotels via Capital One Travel.We’ll expand on the features and benefits of the Capital One Venture X Business card and the Capital One Venture X card next.īut first, here’s an abbreviated summary of how the cards compare when we look at the key attributes of both cards side-by-side.Ĭapital One Venture X Rewards Credit CardĮarn 150,000 bonus miles when spending $30,000 in the first 3 months.Įarn 75,000 miles when you spend $4,000 on purchases in the first 3 months. Just keep that thought in mind as we move forward with our card comparison. We’ll examine whether one card is better for your situation or if you might want to consider both of the cards. There are even more features that differentiate the cards, and that’s the focus of our article today. While the cards are strikingly similar, the business version of the card is obviously designed for business owners, and the consumer card for personal use. Not reviewed by Capital One) and the Capital One Venture X Rewards Credit Card. Today we’ve chosen a similar card match-up with the Capital One Venture X Business Card (Information collected independently. Take, for example, The Platinum Card ® from American Express and The Business Platinum Card ® from American Express, or the Chase Sapphire Preferred ® Card and the Ink Business Preferred ® Credit Card. When a credit card issuer introduces a popular card, it’s not uncommon to see both a consumer version and a business version. Again, Apple managed the transition for users by making it possible to keep running older apps. Once that hardware transition was done, and after a couple of acquisitions including Steve Jobs' NeXT, Apple was soon moving to replace the old MacOS 9 with the radically different OS X. In his view, Apple ultimately wasn't able to compete on price against Intel-equipped PCs made by other manufacturers. However, this transition to PowerPC instead of Intel was ultimately deemed a mistake by then-CEO John Sculley. It was a successful move in terms of just how smoothly it had been handled for customers, developers, and Apple itself. Though Apple had internally started the shift to PowerPC the year before, it would take until 1994 for the new Macs to come out. Other developers have been down this road in the past, though.Īnd for a select number of developers, this road has actually been travelled three times before.īack in 1992, the Mac was eight years old and still running on versions of the original Motorola 68000 processor. Even before anyone could buy an Apple Silicon Mac to try out, Apple issued a Developer Transition Kit and made app recompiling straightforward in the latest release of Xcode.įor many macOS app developers, this may be the first change in processor technology that they've experienced. Existing apps that work with macOS Big Sur can - at least in theory - simply run as normal on M1.īut developers can also rebuild their software to make them native M1 apps. Then the first Macs with a proprietary M1 processor launched in November - and apps started taking advantage of the new speed.Īlthough the transition is expected to take two years in total, Apple offered a system and devices to make the process easier on both consumers and developers. After years of rumors, Apple announced the transition to first-party Apple Silicon chips in 2020. Choose Interpolation Calculator from the Analyze menu. If doing Beer’s law to determine the concentration of an unknown, place the unknown sample in the cuvette holder.Click Linear Fit,, to see the best fit line equation for the standard solutions.When finished, click to end data collection. Repeat Step 6 for the remaining samples.Enter the concentration of the second sample and click. Place your second sample in the cuvette slot.Enter the concentration of the sample and click. Place your first sample in the cuvette slot of the Spectrophotometer. Select boxes in the list or drag your cursor on the graph to select up to ten contiguous wavelengths. Option 3 If you wish to measure an average over a range of contiguous wavelengths of your choice, change Single 10 nm Band to Individual Wavelengths.You may then select up to ten wavelengths to measure at the same time. Option 2 If you wish to use the λ max chosen by Logger Pro, but you want the absorbance to be measured only at that one wavelength, change Single 10 nm Band to Individual Wavelengths.You can change the center wavelength value by clicking on the graph or by choosing a wavelength from the list. This measures the average absorbance from ~5 nm on either side of the chosen wavelength. Option 1 The default option is to use a single 10 nm band.There are three options when choosing a wavelength (or wavelengths) for subsequent measurements. The wavelength with the maximum value from the spectrum (λ max) will be automatically selected. Concentration as the data-collection mode. It becomes active when either the Concentration or Time mode is selected.Ĭonfigure Spectrometer data-collection dialog box List of wavelength options This column lists all the available wavelengths.You may wish to select a different wavelength. By default, the wavelength with the maximum measured value will be selected. Graph The graph displays a full-spectrum analysis of the sample in the cuvette holder.Concentration is selected, a wavelength or wavelengths will need to be chosen. If the measurement (Absorbance in this example) vs. Collection Mode The three options for data collection are offered.Click the Configure Spectrophotometer Data Collection button.Generate a spectrum as described above.To store the spectrum data, choose Store Latest Run from the Experiment menu.Place the sample in the Spectrophotometer and click. Fill a cuvette about 3/4 full of a sample of the solution to be tested.concentration for Beer’s law experiments, and absorbance (or %T) vs. wavelength, which produces a spectrum, absorbance (or %T) vs. There are three general types of data collection that measure absorbance or transmittance-absorbance (or %T) vs. Follow the instructions in the dialog box to complete the calibration, and then click.Align the cuvette so the clear side of the cuvette is facing the light source. After the Spectrophotometer has warmed up, place the blank cuvette in the Spectrophotometer. Fill a cuvette about 3/4 full with distilled water (or the solvent being used in the experiment) to serve as the blank. Note: For best results, allow the Spectrophotometer to warm up for a minimum of five minutes. To calibrate the SpectroVis Plus, choose Calibrate ► Spectrophotometer from the Experiment menu.Select the unit or data type you wish to measure.Ĭalibrate (Not Required if Measuring Intensity or Fluorescence).Choose Change Units ► Spectrophotometer from the Experiment menu.If you want to measure %T, fluorescence (excited at 405 nm or 500 nm), or intensity, do the following: If you want to measure the absorbance of a solution, proceed directly to the Calibrate section below. Select the Type of Data (or Units) You Want to Measure Connect the sensor following the steps in the Getting Started section of this user manual. |
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