Category: sgenkdft


Lamb and Flag could be turned into community asset

first_imgThe scheme would involve a community group buying the historic pub to prevent any potential future owners from demolishing the venue or changing the building’s use without planning permission.  “Given the challenges the College faces during the COVID-19 restrictions, the College is not in a position to discuss future commercial arrangements for the pub at this stage. However, despite the immediate uncertainties, the College remains optimistic for the longer term future of the Lamb & Flag pub.” In response to speculation about the future of the pub, St John’s has said: “Following Lamb & Flag (Oxford) Limited’s announcement that the company will close and cease trading at the pub effective 31 January 2021, St John’s College has received a number of enquiries about future operations at the pub. The College is encouraged by the support and appreciation shown for The Lamb & Flag, which confirm the special place it holds in Oxford’s history.  Last month, St John’s College announced that the pub, which opened in 1566, had become unviable and would be closing due to the effects of the coronavirus pandemic. The news was greeted with dismay by groups such as the Campaign for Real Ale and Oxford Liberal Democrat MP Layla Moran. “The pub will remain in the College’s ownership and the focus now is to work to look beyond the present situation and ensure the pub’s long-term future is secured. Oxford Liberal Democrats have suggested that the Lamb and Flag pub, which was owned by St John’s College, could be turned into an asset of community value. Now the Liberal Democrat councillor and city council opposition leader Andrew Gant has also stated his desire to see the long term future of the pub secured. Speaking to the Oxford Mail, he described the Lamb and Flag as a “historic institution” and pledged that he would work to ensure the pub had not “pulled its last pint because of the pandemic”.  The Liberal Democrats have also launched a wider campaign to try and prevent other Oxford pubs from closing due to the pandemic. A petition has been set up asking for the Coronavirus Job Retention Scheme to be extended for as long as social distancing remains in place. The pub was famously frequented by literary legends such as JRR Tolkein and CS Lewis. It was also said to have inspired parts of Thomas Hardy’s novel Jude the Obscure. At the time, St John’s Deputy Bursar said the pub had been “hard hit by the pandemic” and that  “the college, as a charity, is not allowed to financially support a loss-making business that is not part of its core charitable objectives”.  Image: oxfordmaps.last_img read more



first_imgFacebookTwitterCopy LinkEmailShare we also wonder if you would hire Mayor Lloyd Winnecke, Deputy Mayor Steve Schaefer, CEO of the Evansville Water and Sewer Department Alan Mounts, City Controller Russ Lloyd Jr, or DMD Director Kelly Coures to be the CEO of your multi-million dollar corporation?  If so,  which one would one who would you hire?IS IT TRUE so far this year the City has quietly transferred $12.5 million dollars from the Riverboat Funds into the city employees Hospitalization account?  …the Hospitalization account is still negative by several millions of dollars?IS IT TRUE if the Vanderburgh County Council would have heeded the advice of former County Commissioner David Mosby that we should build a larger County jail County we wouldn’t be having the jail overcrowding issues facing us now?Todays “Readers Poll” question is: Do you feel that Democratic party Chairman Scott Danks can make the local Democratic party competitive once again?Please take time and read our articles entitled “STATEHOUSE Files, CHANNEL 44 NEWS, LAW ENFORCEMENT, READERS POLL, BIRTHDAYS, HOT JOBS” and “LOCAL SPORTS”.  You now are able to subscribe to get the CCO daily.If you would like to advertise on the CCO please contact us City-County [email protected]’S FOOTNOTE:  Any comments posted in this column do not represent the views or opinions of the City-County Observer or our advertisers. We hope that today’s “IS IT TRUE” will provoke honest and open dialogue concerning issues that we, as responsible citizens of this community, need to address in a rational and responsible way?”IS IT TRUE we are told that since former Mayor Winezapfel opted out a run for the United States 8th District Congressman it has marshaled in a new era in the Vanderburgh County Democratic party politics? …for over 6 plus years, the local Democratic party was rendered dormant because of a major party split in the party?  …when Weinzapfel and some Democrats loyal to him bolted the local Democratic party and supported Lloyd Winnecke for Mayor instead of Rick Davis caused the split?  …because of this split over the last 6 plus years, the local Democratic party was less than effective?  …Democratic party fundraising efforts were unsuccessful and the monthly lease payments were many months in arrears with no funds to bring it current?  …the local Republican party dominated every local election since the Democratic party split? ..we are told by many loyal Democratic party workers that they are extremely excited to see a new political torchbearer for the Vanderburgh County Democratic party to come forward?  …he is none other than party Chairman Scott Danks?  …Mr. Danks is extremely outspoken. aggressive, likable, trustworthy, one heck of a fundraiser and extremely partisan?  …we predict that that Sheriff Dave Wedding, County Commissioner Ben Shoulders, and State Representative Ryan Hatfield are also going to be asked to play a major role in helping Mr. Dank to rebuild the once proud and powerful Democratic party of Vanderburgh County?  ..this move is 6 years in the making?IS IT TRUE last week “Hoosiers For Rokita” made some negative statements about Mike Braun and Luke Messer after they filed for the United States Senate seat?  … the negative statements made towards United States Senatorial candidates Mike Braum and Luke Messer was considered by many Indiana Republicans as an act of desperation by the members of the “Hoosiers For Rokita”? …we are told by credible sources that members of the “Hoosiers For Rokita” group better get ready for a direct response from Mike Braum and Luke Messer campaigns concerning the comments published about them last week?    …we are told what the “Hoosiers For Rokita” said about Mr. Braum and Mr. Messer could cause split within the State Republican party?…we consider all three Republican primary candidates for the United States Senate are equally qualified and we hope that future campaigning for this office will be focused on the issues and not negative attacks on one another?IS IT TRUE a reality check is when socialist college students are sent to a county that closely resembles their desired political system and left to survive for a few months?  …after two days they call home and ask for money to take a plane back to the good ole USA?IS IT TRUE that America is the only country where people check their food stamps balance on an $800 smartphone and complain about oppression?IS IT TRUE last week Nancy Pelosi said; “We should only deport illegal aliens if they do something illegal?”  …all we can say; “what in the heck is she talking about”?IS IT TRUE if you were the Chairman Of The Board of a multi-million dollar corporation would you consider hiring a member of the Evansville City Council to be the CEO of your organization?  If so, who would who you hire?IS IT TRUE if you were the Chairman Of The Board of a multi-million dollar corporationlast_img read more


Whitley defends his position

first_imgAuthor Andrew Whitley fielded questions from nearly 100 delegates at the British Society of Baking’s Spring Conference this week.Whitley, who last year published his controversial book Bread Matters, the State of Modern Bread, told the conference that changing bread-making practices, from wheat growing through to milling and industrial bread-making itself, had created a situation where “we are heading into environmental, nutritional and commercial oblivion.”He used the conference as a platform to launch “a campaign for real bread”, asking delegates to support his bid to make “bread as good as we can make it”. Thomas Adams, MD of craft bakery chain Oliver Adams, told Whitley he agreed with a lot of the book’s content, but said he was “shooting at the wrong target”, as the baking industry was not the culprit. “The government has been pushing a cheap food policy, pursued by retailers, to keep inflation down,” said Adams.Taking a question from the floor, Whitley defended himself from drawing unsubstantiated conclusions in his book. He said: “It would be irresponsible to see the beginnings of evidence and dismiss it as anecdotal.”last_img read more


Dave Matthews Band Announces Free Camden Webcast In Celebration Of New Album

first_imgDave Matthews Band is currently in the midst of their summer tour, with a show tonight at Bank of New Hampshire Pavilion in Gilford, NH, before heading to Camden, NJ for a two-night run at BB&T Pavilion on Friday and Saturday. The second night of the two-night run in New Jersey will be broadcasted live via free live stream was announced in celebration of DMB’s newest studio effort, Come Tomorrow, which released last Friday. Serving as a follow-up to 2012’s Away From The World, the critically and commercially successful hit that debuted at #1 on the Billboard 200, Come Tomorrow marks DMB’s ninth studio release. Listen to Come Tomorrow here.You can tune into the free stream of Dave Matthews Band’s Saturday night show around 8pm ET below:For more information on upcoming concert dates and other news, head to the Dave Matthews Band website.last_img read more


Nabokov’s blues

first_imgIn 1967, novelist Vladimir Nabokov was asked what he might have done had he not become an author.“It is not improbable that had there been no revolution in Russia, I would have devoted myself entirely to lepidopterology and never written any novels at all,” said Nabokov, who wrote more than 30 works of fiction.Unbeknownst to many, Nabokov had two distinguished careers: one writing fiction, and one studying butterflies. Now, an international team led by Naomi Pierce, the Hessel Professor of Biology and Curator of Lepidoptera at Harvard’s Museum of Comparative Zoology (MCZ), has shown that Nabokov was remarkably insightful about the biogeography and evolution of blue butterflies in the family Lycaenidae.Ten years before publishing “Lolita,” Nabokov, in a moment of broad evolutionary insight, published a detailed hypothesis for the origin and evolution in the New World of the butterflies he studied, the Polyommatus blues. Nobody paid much attention to the entomological musings of the amateur lepidopterist, who was then a lecturer in literature at Wellesley College and unofficial curator of lepidoptera at the MCZ. In a room in the museum, he pored over specimens looking for clues to their ancestry.It was 1945, long before the advent of molecular genetics. Armed only with a microscope and the insight born of a hobbyist’s devotion to his science, Nabokov described the migration of Polyommatus blues from Asia over the Bering Strait in five waves, each giving rise to a separate New World group. He predicted that modern-day South American species of blues arose from the earliest of these groups when they migrated south across the isthmus of Panama.Alternatively, rather than migrating across the Bering land bridge, the species in South America might also have been the product of the splitting apart of Australia, South America, and Africa from an ancient protocontinent known as Gondwanaland. But Pierce felt this hypothesis, proposed by Col. John Eliot, an expert on the taxonomy and systematics of the family Lycaenidae, seemed unlikely given the age of the butterflies involved.Pierce and her team set out to reconstruct the Polyommatus blues’ family tree using modern sequencing techniques. In so doing, the scientists hoped to determine whether Nabokov had been correct, or whether the alternative hypothesis could explain the distribution of Polyommatus blues across the Western Hemisphere.“The study required eight years of work, including the collection of samples across the New World from Canada to Patagonia,” Pierce says. “It would not have been possible if the postdoctoral fellow who led these expeditions to South America, Roger Vila, were not such an intrepid naturalist and mountaineer.  Many of these species are rather rare, and can only be found in small populations on the tops of the Andes for a very short time period each year.”Pierce and her colleagues used a molecular clock — a method of determining how long ago two species became distinct — to determine when the butterflies arrived in South America, which would indicate which hypothesis was correct.“The breakup of Gondwanaland occurred 80 to 100 million years ago,” Pierce says, “whereas the isthmus of Panama formed 3 to 5 million years ago. Even if the molecular clock were relatively inaccurate, we could nevertheless distinguish between these two very different scenarios.”The group’s finding, reported in the Proceedings of the Royal Society B: Not only was Nabokov correct about the general origin of the blues in the New World, but he correctly predicted the age sequence of all five waves of migration. The oldest of the groups crossed approximately 11 million years ago, Pierce’s group found, when a land bridge was still in place. It was that first group that later migrated across the isthmus into South America.Nabokov’s genius is not lost on Pierce.“What’s the probability of predicting the exact sequence of five evolutionary events?” she marvels. “He had extraordinary insight, and for 65 years, nobody really paid much attention.”Papers by Vladimir Nabokov on the migration of certain butterflies in the Americas. At the time, Nabokov was working at Harvard’s Museum of Comparative Zoology as an unofficial curator of lepidoptera species. Photo by Justin Ide/Harvard Staff Photographerlast_img read more


Notre Dame Club of Miami prepares for game

first_imgBill McCaughan, Jr., president of the Notre Dame Club of Miami, said he wouldn’t respond to calls or emails about a potential Irish berth into the BCS Championship Game in his city before Saturday’s USC game. “I’m really superstitious so when people started contacting me about planning, I didn’t respond,” McCaughan said. But as soon as the defensive line held the Trojans on the one-yard line on fourth down late in the fourth quarter, eliminating any chances of a USC comeback, the preparations began. For the first time since 1988, Notre Dame held the perfect 12-0 record and would have a shot at the national championship. And for McCaughan, the days leading up to Jan. 7 will be hectic in anticipation for the big game. “We had a meeting with board members on Tuesday to go over everything,” he said. “We began figuring people will get in town either on Jan. 3 or 4, the Thursday and Friday before Monday’s game.” McCaughan, a 2004 alumnus of the University, said one of the club’s 700 members is in the process of putting together a travel guide for the entire weekend to send to alumni and students. Preparations are also underway for those fans who aren’t able to snag a ticket to the big game. “The Notre Dame Club of Miami has partnered with Monty’s on South Beach to provide a site for a game watch for those not going to the game,” McCaughan said. “Monty’s is also providing drink specials and food specials to Irish fans all weekend.” In addition to hosting Notre Dame students and alumni, McCaughan said Monty’s would also provide other events. “On the Sunday before the game, they will be hosting a pool party starting at 1 p.m.,” he said. “There will be live music, drink specials, raw bar, bag pipers and other things all at their bar and restaurant right on the water and will be going until close.” McCaughan encouraged fans to frequently check the Notre Dame Club of Miami’s Facebook page for updates with events around Monty’s and transportation to and from the site of the game, Sun Life Stadium. “Miami is such a spread-out city and the commute is around 40 minutes to Sun Life Stadium from South Beach, about a $120 cab fare one-way,” McCaughan said. “We could look to set up a bus service to the stadium from the South Beach area.” Among the most frequent questions asked to McCaughan thus far deal with an official Notre Dame Club of Miami tailgate and ticket availability. “It’s just too expensive to hold an official tailgate,” he said. “And we believe we will not be receiving any tickets from the University.” The club does not have a rough estimate on the number of alumni and students traveling to the Magic City for championship weekend, but McCaughan said nearly every family member and friend of his is looking for a place to stay. “A lot of places are all booked up,” he said. “I have at least 12 people staying at my place, including one of my former roommates and cousins. “They are going to be fighting for pieces of the floor, maybe sleeping out on the balcony.” McCaughan said the club usually doesn’t draw many people to the game watches, but this year was different. “We had 100 people at a local bar wake up early to watch the Navy game,” he said. “One guy got so excited during the game, he jumped up and shattered a glass chandelier at the bar. “People have been fired up all year.” Contact Adam Llorens at [email protected]last_img read more


Pussy Cat Doll Nicole Scherzinger May Headline Cats Revival in London

first_img Scherzinger has sold 50 million records with the Pussy Cat Dolls and 16 million records as a solo artist. She recently served as a judge on the U.K. X Factor and won the U.S. Dancing With the Stars in 2010. Stage credits include Maureen in Rent at the Hollywood Bowl, directed by Neil Patrick Harris. Screen acting credits include How I Met Your Mother, Men in Black 3, Half & Half, My Wife and Kids and Love Don’t Cost a Thing. Former Pussy Cat Doll Nicole Scherzinger may star as Grizabella in the previously reported revival of Andrew Lloyd Webber’s Cats in the West End. According to the Daily Mail, Scherzinger is in “very early discussions” to play the glamour cat. The tuner will play a limited engagement December 6 through February 28, 2015 at the London Palladium, with opening night scheduled for December 11. Check out Scherzinger performing The Phantom of the Opera with Ramin Karimloo, Simon Bowman, Earl Carpenter and John Owen-Jones at the 2011 Royal Variety Performance below. Cats ran for 21 years in London and 18 years on Broadway, where it won seven Tony Awards including Best Musical. Based on T.S. Eliot’s Old Possum’s Book of Practical Cats, the musical tells the story of the Jellicle cats and each cat’s individual quest to be selected as the lucky one that will ascend to “the heavyside layer.” In their desire to be chosen to rise above to cat heaven, each cat sings his or her story. Cats features the Billboard top 40 hit “Memory.” The revival will be based on the current U.K. touring show, which all the original creative team are involved with. Director Trevor Nunn, designer John Napier, choreographer Gillian Lynne and Lloyd Webber will be overseeing the transfer. View Commentslast_img read more


Inside the Golden Bubble: The TMD deadline rush

first_imgby Anne Galloway, Legislative committees in the House of Representatives are in wind up mode before the big mid-session break ‘ town meeting week ‘ and the action in the infield will be intense as lawmakers gear up to make a final pitch for bills. The last day to introduce legislation is Feb. 28, and the deadline is coming up hard and fast for big bills. By the time lawmakers return from a week of bonding with constituents, all the major legislation will be in play ‘ bills will be voted out of House committees and a flurry of floor votes will ensue. Then it’ll be the Senate’s turn at the bat.The House Appropriations Committee will be marking up the Big Bill ‘ that is making changes to the appropriations draft bill proposed by Gov. Peter Shumlin ‘ every day this week. Members of the committee will lift their heads from the arduous task of balancing the budget in the face of a $176 million shortfall to take testimony from the public.Advocates from the major stakeholder groups hardest hit by the governor’s budget proposal ‘ the Area Agencies on Aging, the regional mental health and developmental disabilities agencies and substance abuse groups ‘ lined up to give 2 minutes worth of testimony to the Committee.Governor Peter Shumlin has proposed cutting programs that help elderly Vermonters stay in their homes as part of the Choices for Care program. The General Fund cuts total about $2.2 million, but because they are matched with federal funding, the total reductions are roughly $5 million.Designated agencies, the nonprofits that provide mental health services and support for Vermonters with developmental disabilities, are slated to take a 5 percent cut. The designated agencies stand to lose $4.6 million, on top of $5.6 million in cuts they sustained in fiscal year 2011, as a result of Challenges for Change, the government restructuring effort, according to Julie Tessler, executive director of the Vermont Council of Developmental and Mental Health Services.Student Assistance Program counselors who provide support for teenagers at high schools around the state are also on the chopping block. The governor is looking to save $1.3 million by eliminating the positions.Shumlin, in his budget address and in press conferences, has reiterated his hard-line, no-new-taxes stance. He has also said he has no interest in using money from the budget stabilization reserve.On that score there will likely be push back from some quarters in the Legislature. House Approps is very thorough in its analysis of budget proposals, and judging from a recent op-ed by one of its members, Rep. Ann Manwaring, D-Wilmington, cutting further into the bone of social programs for the neediest Vermonters may not be a palatable option.The governor’s jobs bill is also getting a thorough vetting in several committees ‘ namely House Agriculture and House Commerce and Economic Development. A variety of lobbyists will be in Commerce to give their spin on H.287, which is a smorgasbord of small tax breaks, incentives and low-budget workforce training programs designed to stimulate the economy. At the time Shumlin introduced the proposal, the bill had a price tag of about $1 million.Read H. 287Among those testifying is Doug Hoffer, a former Democratic candidate for State Auditor, who is an adamant opponent of the Vermont Employment Growth Incentive, a program listed in the bill, which is designed to give companies cash incentives in exchange for the number of jobs they actually create. Hoffer questions the efficacy of the investments the state has made in this economic development program.Read about VEGIHoffer will also be inside the Golden Bubble this week to talk with House Ways and Means about a Jobs Bill spinoff ‘ H.275 ‘ a program that gives employers who hire veterans a tax break. Adjutant general Michael Dubie told lawmakers at the beginning of the legislative session that unemployment among recently returned veterans of Iraq and Afghanistan is running at roughly 30 percent. H.275 was proposed by the governor and legislative leaders to address that problem.Hoffer argues in his prepared testimony that the state should invest the money in veterans ‘ instead of businesses. He makes the case that it would be better to help unemployed veterans directly by providing them with the transportation, medical attention, training, and so on that would enable them to find work more readily.Read H.275The House Committee on Government Operations will spent Tuesday and Wednesday marking up H.73, the government transparency office and public records act legislation, also proposed by the governor’s office. At issue is whether existing law adequately protects the public’s right to know. Shumlin’s office has pushed for additional charges to view records, more time to fulfill records requests and has equivocated on whether to instruct judges to award attorneys’ fees to parties that successfully sue the state over access to public records.It’s all single payer all the time in House Health Care this week. Lawmakers will hear from IBM, VPIRG, the Vermont Medical Society, the hospitals’ association and single-payer advocates. is external)The Natural Resources and Energy committee is putting the final touches on the energy bill, which includes the creation of Renewable Energy Investment Vermont, a program that would provide oversight and incentives for utility-owned small electric generation plants. It would be funded through ‘customer optional’ charge on ratepayers’ electric bills.Read H.56The capital bill is working its way through Corrections and Institutions, and the committee is looking to pass a two year proposal that will include investments in energy efficiency upgrades for state buildings. Ways and Means continues to sift through comments about the Vermont Blue Ribbon Tax Structure Commission’s recommendations and the transportation bill is well under way.Anne Galloway is editor of February 22, 2011last_img read more


Honduran Armed Forces Connect with Youth Through Music

first_imgBy Dialogo December 10, 2015 This humanitarian and scientific work is magnificent which produces: military experience and training. It saves human lives and cures the ill. Also, it shows the human feeling of the Armed Forces. Great The orchestra’s outreach efforts extend to the entire civilian population, as it has raised $112,506 to support foundations that provide medical assistance to the sick, including the Emma Romero de Callejas Cancer Center, which has been helping cancer patients in Honduras since 1991. “There are few professional bands in Honduras one could aspire to join, so being part of this professional ensemble — because all of us are professionals here — is very rewarding,” added Harold Villalta, who plays the trumpet. “We are committed to do our best, mainly for our country.” In addition to showcasing the talents of female musicians, the orchestra is reaching out to the country’s young musicians, giving those in their 20s a place to play, according to Colonel José Antonio Sánchez, an Armed Forces spokesman. From martial band to orchestra “There is so much talent in our young generation and few outlets in our country for them to pour out their capacities, so we decided to open spaces in the Armed Forces so they can contribute to and serve the nation musically,” Col. Sánchez explained. “We do not want their gifts and strengths to be wasted.” “We will expand our musical genres, and the cultural projection of the Armed Forces towards the civilian population will also grow,” said saxophonist Allan Maldonado, one of the band’s more senior members. Social outreach “I greatly respect this pool of talented musicians, both the starting members and the young players that have joined us more recently,” said Maestro Leonel López, the orchestra’s director, whose musical experience surpasses three decades. “I tell them how talented they are. I tell them I don’t expect any less than their best, and that has contributed to the band sounding like it does in a relatively short time.” Originally a 37-member martial band, the orchestra is now composed of a multi-generational group of musicians. Some of the youngest members are not in the Military, and are recent graduates of the National Conservatory of Music and the National School of Music. In the long term, General Fredy Santiago Díaz, Chief of the Honduran Joint Chief of Staff, has high hopes for the orchestra. Connecting with the country’s youthcenter_img “Just to say one is a member of the Symphonic Orchestra of the Armed Forces is a source of great pride,” said Joel López, one of the newest members. The Symphonic Orchestra of the Honduran Armed Forces, with more than 100 musicians, delivered its debut performance on October 21st, the 59th anniversary of the Military’s creation. “Social outreach is part of the fabric of the Honduran Armed Forces,” Col. Sánchez explained. “This is one new way we are doing it.” In addition to the symphonic orchestra, the Honduran Armed Forces have three martial bands and 33 war bands, which collectively employ 400 musicians nationwide. Meanwhile, flutist Cindy Valladares told the military news program Proyecciones Militares: “I am very excited that we are the first generation of women who joined the orchestra. It is a beautiful experience, an opportunity for growth. I am very pleased to be a member of this group. It is a great door that has been opened to me.” During its performances, the orchestra plays world classics, traditional Honduran and Latin American music, contemporary pieces, and some festive rhythms of the country’s indigenous communities. “It’s been our goal to support different kinds of artistic projects and we plan to continue to do so,” Col. Sánchez continued. “Besides musicians, we have and will continue to support filmmakers in national productions, and we remain open to the possibility of assisting more Hondurans so they too can excel in their artistic fields.” The musicians say they are enthusiastic about being part of the orchestra. For nearly 60 years, the Honduran Armed Forces have protected the country and given humanitarian aid to civilians. Now, they’re also providing musical entertainment. “These are talented Honduran men and women who have devoted themselves with passion to their music and are now part of this group that I know will make history in Honduras,” he said.last_img read more


Big data, big impact on lending: Engaging the right members

first_imgLenders process enormous quantities of data every day while serving their customers – and have a growing need to effectively harness that data to efficiently manage their business and meet accelerated customer expectations. Big data – the vast amount of data organizations are mining to reveal insights, trends and patterns – is making a big impact on lending.Lenders have always had data points to help them make decisions, but technology enables an enterprise-wide, 360-degree view of customers and the lending operation. Data is collected through multiple databases, channels, products and services across an organization, but the key is to bring all pertinent data together in a logical, intuitive way. Data can help lenders engage the right customers with the right solutions at the right time, ultimately driving increased loan activity, profitability and efficiency.Data can help lenders engage the right customers with the right solutions at the right time, ultimately driving increased loan activity, profitability and efficiency.Using data, lenders can understand what products to offer individual customers – and at what price point they will be effective, thereby maximizing profitability. In the same way, understanding what mix of products and delivery channels leads to better acceptance from consumers and impacts marketing and growth strategies. If a lender learns certain loan products lead to greater delinquencies or increased collection activity, that knowledge can impact risk management. continue reading » 12SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more