bil

Reinsurance Capital Climbs To USD 568 Billion

Total dedicated reinsurance capital in 2023 jumped by 7% to USD 568 billion, with an even larger increase projected for 2024, according to a new AM Best report. A statement from the ratings agency said, “The Best’s Market Segment Report, “Dedicated Reinsurance Capital Thrives in Hard Market,” is part of AM Best’s look at the […]




bil

Mosaic Expands Environmental Liability Division

Mosaic has added 13 leading US environmental risk specialists to its team as the company drives a strategic buildout of business across the Americas A spokesperson said, “The expansion marks the next stage of rapid growth for Mosaic’s Environmental Liability division which the company launched as its seventh line of business less than two years […]




bil

Co dostane Musk od Trumpa za volební výpomoc? Zakázky a volnou ruku celkem v řádu bilionů dolarů

Z návratu Donalda Trumpa do Bílého domu bude profitovat jeden z jeho nejviditelnějších příznivců: Elon Musk. Přiznaně transakční vztah obou idiosynkratických sólistů je v moderní historii bezprecedentní.




bil

Online Gaming Trends in 2024: Innovation and Accessibility

Tagged as:




bil

How Grimguard Tactics Elevates The Tactical RPG on Mobile

Mobile is just about the perfect platform for turn-based RPGs, where battles tend to take place in contained, small screen-friendly environments and sessions can be as short or as long as you like.... Tagged as:




bil

The Mobile Phone Industry and Customer Retention

The mobile phone industry’s growth has slowed.  It is now operating more like a stable, moderate to slow growth market.  This is particularly true in Europe.  To face the challenge of slower growth in the industry, European mobile operators are turning to customer retention, but they are careful of the customers they seek to retain. 

The Europeans have observed that less than 20% of an operator’s customers generate to 80% of the operator’s total revenue.  This pattern repeats itself in many industries.  When we have seen these patterns in other industries, we have also noted that less than 10% of the total customers generate an astounding 50% of total revenues.  These are the really important customers in an industry. 

A company must retain its key customers.  In the mobile phone industry, as in most industries, the largest 20% of the industry’s customers are likely to be what we would call Core customers for the industry’s larger competitors.  A Core customer allows supplier company to earn at least the cost of capital through a business cycle.  The retention of these core customers is of paramount importance to long term company success. It costs a great deal more to find a new customer than to retain and build the relationship with a customer you already have.  In the European mobile phone industry, carriers have found that it costs ten times more to acquire a customer than to retain one. 

The industry has found another important phenomenon associated with customer defection.  Recent research has told it that defection is a social phenomenon.  If defecting customers leave an operator, they usually are not quiet about it.  They tell their friends.  In turn, some of their friends defect as well.  So, the loss of a Core customer to an operator will often bring with it the loss of several other Core customers. 

The mobile phone operators in Europe are working on retention by focusing particularly on those Core customers most likely to defect.  These operators have analyzed the value of their customers and have assigned a rating to each customer.  When a customer calls a call center, the information about the customer, including his rating, is readily displayed on the service representative’s screen.  This customer specific information enables the service representative to respond with different value offers, depending on the importance of the customer.  Most of these offers reflect lower prices for a potential defector.

But the industry is responding to potential defections with more than simple price reductions.  Some companies are developing personal calling rates and plans tailored to individual Core customer habits.  One European company instituted this individual approach and cut its percentage of customers defecting each year in half, from 20% to 10%. 

The industry has found another important phenomenon associated with customer churn.  Recent research has told it that defection is a social phenomenon.  If defecting customers leave an operator, they usually are not quiet about it.  They tell their friends.  In turn, some of their friends defect as well.  So, the loss of a core customer to an operator will often bring with it the loss of several other core customers. 

Customer retention is an important, strategic management imperative, even in fast growing markets




bil

Failures in Reliability Lead to Share Loss

We have written several times before about the Customer Buying Hierarchy (i.e. customers buy Function, Reliability, Convenience and Price, in that order).  We have also written, on several occasions, about companies winning and failing customers in a marketplace.  In a stable market, failure of a supplier causes more market share to move than does another competitor’s “win” of market share against its peers.  Most failures occur in Reliability. Recently, two of America’s paragon companies have failed their customers on Reliability and are now struggling to catch up.  Other leaders have had a similar problem and have recovered nicely. 

Macy’s is a clear leader in the department store market.  Over the last several years, Macy’s has purchased and integrated other large department store competitors.  For example, in 2005 Macy’s purchased May Department Stores.  As the company worked to integrate these acquisitions and obtain synergistic savings, their attention swerved from customer service.  The company’s failings were greatest in customer interactions with the company’s sales associates.  Nearly half of customer complaints focused on actions of sales associates. These are failures in Reliability.  A customer expects to be well treated by a department store that charges relatively high prices for its goods.  Macy’s failed to do that. The company’s market share began to drift lower as a result of these failures. 

Now Macys is investing a great deal more money and time into the proper training of its sales associates.  This investment is beginning to pay off.  A recent survey of customer satisfaction indicated that the company was making strides in improving its reputation.  Still, it lags the performance of some of its important rivals.  This is still a Macy’s work-in-progress.

Wal-Mart is another industry paragon who drifted from its Reliability promises.  Wal-Mart committed two notable sins.  First, it removed some products that were important to its core customers.  The company did so in an effort to improve the product mix and the margins a better product mix would bring.  Some of its core customer volume began to drift away.  The company also moved away from its aggressive pricing.  Instead of every day low prices, the company began to promote deals on some products while raising prices on others.  Customers didn’t like that either.  Recently, a survey by a retail consulting firm has found that Target Stores offered prices below those of Wal-Mart.  So, Wal-Mart has created Reliability failures in both product availability in its stores and its promise to have “always low prices, always.”  The company’s market share has also drifted lower. 

Wal-Mart now promises to return to its core values and core customers.  It is bringing back the products it once eliminated in favor of higher margin products.  It is getting more aggressive in pricing once more.  This, too, is a work-in-progress. 

Certainly, these leaders can recover from these miscues. We have seen other leading companies struggle with Reliability and yet recover nicely.  For example, several years ago McDonald’s went through a period of time where it was losing market share.  As the company examined the reasons for this market share loss, it noted that customers began to see its prices as high in the quick service restaurant industry.  In addition, its products in stores had developed a reputation as being about the same as or, in some cases, lower in quality than some of its big competition.  Under the leadership of a CEO well versed in operations, the company returned to its roots by emphasizing its core quality values and aggressive pricing.  Today, McDonald’s is the unquestioned leader in the quick service restaurant industry.  Many of its competitors struggle to keep up with McDonald’s. Most fail to do so.  McDonald’s again has gained share in the industry over the last several years.  McDonald’s success in reversing its Reliability failures suggests that the pathway is open for both Macy’s and Wal-Mart.  They both should be able to enjoy similar success.  The odds are they will.





bil

A billion dollars short: A progress report on the Planetary Decadal Survey

NASA is underfunding planetary exploration relative to recommendations made by the National Academies Decadal Survey report, resulting in mission delays and cancelations.




bil

Why Taylor-Serrano deserves top billing over Tyson-Paul carnival

How the inclusion of Katie Taylor v Amanda Serrano on the bill legitimises the carnival of Mike Tyson v Jake Paul in Texas





bil

Alabama's Ryan Williams on Travis Hunter winning Biletnikoff: 'I can't let him do that'

In an interview on FOX Sports' "All Facts, No Brakes," Alabama stars Ryan Williams and Jaylen Mbakwe shared why they stayed after Nick Saban's retirement and their thoughts on Travis Hunter.




bil

mobility

Smylers got in touch recently with this observation:

I found myself being surprised by the word “mobility”, and was wondering if there's a BrE/AmE difference? Enterprise Rent-a-Car emailed to say they're introducing a new brand: Enterprise Mobility




That made me think of vehicles adapted for wheelchair users, or those who otherwise have limited personal mobility. But apparently it's the overall brand for various transport services; “mobility” is being used to mean “travelling in a vehicle”, rather than “travelling on foot”.

There's no reason why the unqualified word should have one or the other meaning. But to my British brain, “mobility” makes me think of “mobility scooters” or “mobility aids” — such as those provided by Mobility People, whom you linked to in 2008:


It's an interesting one. 

The word mobility seems a bit more common in BrE in the the News on the Web corpus: you find about 11 mobility per million words in the US, versus about 13 per million in the UK. Those British uses tend to relate to a couple of domains: physical (dis)ability and social class.

It's not that Americans don't use mobility in that way. You can definitely find phrases like mobility scooter (as can be seen at this US electric wheelchair retailer) in AmE. (Though when I asked my brother what those things are called, he didn't use the word mobility, just scooter.) Nevertheless, this (dis)ability-related use of mobility used a lot more in BrE:



The (dis)ability-related uses of mobility really take off in this corpus after 2021. For instance, mobility issues (which could refer to different kinds of mobility, but mostly doesn't) had only 0.30 per million (across countries) in 2019, but 0.85 per million in 2022. 

Both AmE and BrE use mobility for metaphorical movement, as in social mobility. 



Why so much more talk of social mobility in the UK? Because the Tory government had appointed a "Social Mobility Tsar" during the period that this corpus was collected. (The hits for tsar in BrE are similarly out-of-whack.) 

If instead of asking the corpus for particular phrases like these and instead ask it to tell us which combinations with mobility are statistically "most American" and "most British", the results are interesting. On the left are the "most American" ones*—the greener, the more not-British they are.  And vice versa on the right. 
*This doesn't mean that these are the most common phrases with mobility in either country. And it doesn't mean that the other country doesn't use these phrases. It means that one country uses them surprisingly more than the other.

mobility + noun

Noun + mobility



Adjective + mobility

The thing to notice here is how much longer the green lists are on the American side of the second two charts, where mobility is modified by another word. AmE writers seem to have more kinds of mobility than BrE writers do. Where you see something like this, it's reasonable to suspect that more phrases = more meanings, or at least more domains in which the word is used.  

Sure enough, the BrE side is almost entirely characterized by phrases used in talking about physical (dis)ability and social mobility. (Green Mobility there refers to an electric car [BrE] hire /[AmE] rental company in continental Europe.) But the AmE side has other themes coming through: family mobility is about the Massachusetts Work and Family Mobility Act, which is about what kind of paperwork you need to get a (AmE) driver's/(BrE) driving licen{c/s}e. Electrophoretic mobility refers to a chemistry thing that I'm not going to try to understand. Mobility wing mostly refers to sections (Air Mobility Wings) of the US Air Force Reserve. And so forth.

Some of the uses, for example, commercial mobility, refer to means of transport(ation), and that's the use that Enterprise is picking up on in their branding. So there we go! It does look like branding that would work better in the US than the UK. Thanks, Smylers!




bil

Bill Clinton Cracked a Terrible Dad Joke on Twitter and Nobody Can Handle It

Slick Willy just had to go and crack a dad joke that simultaneously dug on President Trump and kept the pun game strong, didn't he? Naturally, people were highly entertained and vaguely irritated. 




bil

Michael Bloomberg Memes That Roast The Cringey Billionaire

You're probably already aware that Michael Bloomberg, cringey billionaire extraordinaire and 2020 presidential candidate, has been reaching out to various big-name meme accounts on Instagram asking them to post content that makes him look a little more...hip to the kids, shall we say? 

But apparently he's doing something right with his presidential campaign, as he's been soaring in the polls and we're seeing ads for him practically everywhere.

Normally we don't like to get too political, but it's clear that Bloomberg was not hugged enough as a child.




bil

Mobile Royale

The program archive includes the readme file with the further instructions! Mobile Royale is a real-time global game in 3D for online strategy battle fans brought to you by IGG! Recruit soldiers and warriors for your troops and march to battle! Use your best strategy and tactics to knock down your enemy and let the community know who is in charge! 100 VIP Points*5 5,000,000 Wood*50 4,000,000 Stone*50 600,000 Gold*50 20,000,000 Food*50 1,000 Stamina*10 1,000 Crystals*10 20,000 Player EXP*20 Research Speed Up (60m)*50 Construction Boost (60m)*50 Healing Speedup (60m)*50 Training Boost (60m)*50 Trade Boost (60m)*50 Rare EXP Potion*50 Blade Sanctum Coupon (3d)*1 Epic Material Chest*20 Epic Trade Chest*20 Shield (24h)*1




bil

Swiggy's shares up 2.5% in trading debut after $1.4 billion IPO

Shares of Indian food and grocery delivery firm Swiggy rose 2.5% in their trading debut on Wednesday, after its $1.4 billion IPO last week, but pared initial gains on concerns about its path to profitability. The stock listed at 420 rupees ($4.98) on India's National Stock Exchange, compared to…




bil

Rakuten Sells Mizuho 15% of Credit Card Arm for Over $1 Billion




bil

RWE Plans €1.5 Billion Buyback as US Politics Cloud Investments




bil

Mizuho Financial Group to buy 15% of Rakuten Card for $1 billion

In This Article: TOKYO (Reuters) - Japan's Mizuho Financial Group will take a 15% stake in Rakuten Group subsidiary Rakuten Card for 165 billion yen ($1.06 billion) in a further deepening of the two companies' strategic alliance, they said on Wednesday. The share transfer is planned for Dec. 1,…




bil

A look at Qwen2.5-Coder-32B-Instruct, which Alibaba claims to match GPT-4o's coding capabilities and is small enough to run on a MacBook Pro M2 with 64GB of RAM

Qwen2.5-Coder-32B is an LLM that can code well that runs on my Mac 12th November 2024 There’s a whole lot of buzz around the new Qwen2.5-Coder Series of open source (Apache 2.0 licensed) LLM releases from Alibaba’s Qwen research team. On first impression it looks like the buzz is well…




bil

Mutual Fund Investors Face Unwanted Tax Bills. Are You on the List?




bil

Kansai Electric to Raise Up to $3.3 Billion From Share Sale




bil

Elon Musk Could Slash Billions in Federal Spending With This One Move




bil

How QR Codes Enhance Computer Use and Accessibility

QR codes are widely used for quick access to websites and information, but they’re also a helpful tool for simplifying tasks on computers. With a QR code generator, users can connect mobile devices to computers, share files, link to online resources, and even enhance security.

The post How QR Codes Enhance Computer Use and Accessibility appeared first on ThinkComputers.org.




bil

Examination of Cantor’s proofs for uncountability and axiom for counting infinite sets

I do a detailed analysis of Cantor’s theory of uncountable sets. The logic of his proofs has some weaknesses. I propose an axiom and a solution to continuum hypothesis. The main idea is: Assumption of Cantor’s proofs: All real numbers (set R) are in a list (list L). This assumption means R=L, considering L as...




bil

Examination of Cantor’s proofs for uncountability and axiom for counting infinite sets

An analysis of Cantor’s theory of uncountable sets: The logic of his proofs has some weaknesses. Cantor assumes for both his proofs that all real numbers (set R) are in a list (list L). Considering L as a set this assumption assumes R belongs to L. This makes the claim “a real number is constructed...




bil

Billy West Recorded Some Choice Donald Trump Tweets in the Voice of Zapp Brannigan

It turns out that there's a VERY fine line between Donald Trump and the Futurama character Zapp Brannigan. Memes with Zapp's image and Trumps tweets started circulating the internet and they caught the attention of Billy West, the voice actor who plays Zapp Brannigan on Futurama. The recordings he made are out of this world.




bil

What helps women who have learning disabilities get checked for cervical cancer?

This is a paper produced as part of the PROP2 (Practitioner Research: Outcomes and Partnership) programme, a partnership between the Centre for Research on Families and Relationships (CRFR) at the University of Edinburgh and IRISS that was about health and social care in Scotland. This paper was written by Elaine Monteith from ENABLE Scotland who participated in the PROP2 programme. What this research paper explores: All women are asked to go to the doctor every few years to get a check for cancer but women who have a learning disability don’t go for these checks as often as other women. The paper explore what barriers there are for women attending for checks and also looks at what could be done to encourage women them to attend.




bil

Scottish Consortium for Learning Disabilities (SCLD)

SCLD brings together some of the most respected practitioners and thinkers from across the learning disability sector who work alongside people who have learning disabilities and their families and carers.The team at SCLD is focused on delivering real change through influencing policy, identifying and sharing evidence and good practice and challenging public attitudes. SCLD aims to be a knowledge hub – offering support, information and new ideas about learning disability in Scotland.




bil

British Institute of Learning Disabilities

British Institute of Learning Disabilities services help develop the organisations who provide services, and the people who give support.




bil

Capability Scotland

Capability Scotland campaigns with, and provides education, employment and care services for disabled children and adults across Scotland.




bil

Move Over Billy, IKEA’s Got a New Greatest Hit

As someone who practically grew up with ABBA’s “Dancing Queen” as my childhood soundtrack (thanks, Dad!), I couldn’t be more excited to share this news: IKEA launched an album! IKEA just dropped the mic with their first-ever global talent show, and let me tell you, it’s not about building furniture – it’s about building harmony. Earlier this year, they turned the spotlight on their musically gifted co-workers, and did they deliver. Picture this: 150 talented IKEA co-workers from 21 countries, […]

The post Move Over Billy, IKEA’s Got a New Greatest Hit appeared first on IKEA Hackers.




bil

New Washington library is encompassed in sustainability

Sustainable construction and design have become a trendy topic in real estate, with homebuyers now proudly showing off their graywater systems and solar panels. But the new Mount Vernon Library Commons by HKP Architects in Mount Vernon, Washington proves that sustainable design can be used by any company, any government and anyone who wants to make an impression.[...]




bil

Google’s AI Tool Big Sleep Finds Zero-Day Vulnerability in SQLite Database Engine

Google said it discovered a zero-day vulnerability in the SQLite open-source database engine using its large language model (LLM) assisted framework called Big Sleep (formerly Project Naptime). The tech giant described the development as the "first real-world vulnerability" uncovered using the artificial intelligence (AI) agent. "We believe this is the first public example of an AI agent finding




bil

Google Warns of Actively Exploited CVE-2024-43093 Vulnerability in Android System

Google has warned that a security flaw impacting its Android operating system has come under active exploitation in the wild. The vulnerability, tracked as CVE-2024-43093, has been described as a privilege escalation flaw in the Android Framework component that could result in unauthorized access to "Android/data," "Android/obb," and "Android/sandbox" directories, and their respective




bil

Cisco Releases Patch for Critical URWB Vulnerability in Industrial Wireless Systems

Cisco has released security updates to address a maximum severity security flaw impacting Ultra-Reliable Wireless Backhaul (URWB) Access Points that could permit unauthenticated, remote attackers to run commands with elevated privileges. Tracked as CVE-2024-20418 (CVS score: 10.0), the vulnerability has been described as stemming from a lack of input validation to the web-based management




bil

CISA Alerts to Active Exploitation of Critical Palo Alto Networks Vulnerability

The U.S. Cybersecurity and Infrastructure Security Agency (CISA) on Thursday added a now-patched critical security flaw impacting Palo Alto Networks Expedition to its Known Exploited Vulnerabilities (KEV) catalog, citing evidence of active exploitation. The vulnerability, tracked as CVE-2024-5910 (CVSS score: 9.3), concerns a case of missing authentication in the Expedition migration tool that




bil

HPE Issues Critical Security Patches for Aruba Access Point Vulnerabilities

Hewlett Packard Enterprise (HPE) has released security updates to address multiple vulnerabilities impacting Aruba Networking Access Point products, including two critical bugs that could result in unauthenticated command execution. The flaws affect Access Points running Instant AOS-8 and AOS-10 - AOS-10.4.x.x: 10.4.1.4 and below Instant AOS-8.12.x.x: 8.12.0.2 and below Instant AOS-8.10.x.x:




bil

Songs of a Lost World Debuts at No. 1 on Multiple Billboard Charts

From Billboard:

The Cure’s ‘Songs of a Lost World’ Debuts at No. 1 on Multiple Billboard Charts

The set marks the group's first leader on the 33-year-old Top Album Sales chart, and the band's highest-charting album on the Billboard 200 since 1992.

By Keith Caulfield 

The Cure make a striking return to Billboard’s album charts (dated Nov. 16) with the arrival of Songs of a Lost World. It’s the band’s first No. 1 on the 33-year-old Top Album Sales chart and the act’s highest-charting effort on the Billboard 200 (No. 4) since 1992. It also bows at No. 1 on Top Rock & Alternative Albums, Top Rock Albums, Top Alternative Albums, Vinyl Albums and Indie Store Album Sales.

Songs of a Lost World is the group’s first album of new material since 2008. The new album is the act’s third top 10-charting set on the Billboard 200, following its self-titled effort (No. 7 in July 2004) and Wish (No. 2 in May 1992)

Equivalent album units comprise album sales, track equivalent albums (TEA) and streaming equivalent albums (SEA). Each unit equals one album sale, or 10 individual tracks sold from an album, or 3,750 ad-supported or 1,250 paid/subscription on-demand official audio and video streams generated by songs from an album. Nov. 16, 2024-dated charts will be posted in full on Billboard’s website on Tuesday, Nov. 12.

Songs of a Lost World bows with 57,000 equivalent album units earned (the act’s best week by units) in the United States in the week ending Nov. 7, according to Luminate. Of that sum, album sales comprise 53,000 (The Cure’s biggest sales week since 2004, when its self-titled album launched with 91,000), SEA units comprise 4,000 (equaling 5.02 million on-demand official streams of the album’s songs) and TEA units comprise a negligible sum.

The new album’s first-week sales were bolstered by its availability across five vinyl variants (which sold a combined 23,000 copies; the band’s best week on vinyl since Luminate began tracking sales in 1991), a standard CD, a CD/blu-ray audio package, two cassettes, a standard digital download and a deluxe digital download with five bonus live tracks (exclusive to the band’s webstore).

The set’s “A Fragile Thing” rises 25-22 on Alternative Airplay (a new peak and its highest charting song since 2004) and 12-10 on Adult Alternative Airplay (The Cure’s first top 10, and third charting hit, since the list began in 1996).




bil

Oct 15 NYC DevOps Meetup: "Introduction to Site Reliability Engineering" by Nathen Harvey

This month's nycdevops meetup speaker is Nathen Harvey of Google, who will give a talk titled "Introduction to Site Reliability Engineering".

The talk starts at 5pm sharp! (NY is in US/Eastern)

Please RSVP! See you there!

https://www.meetup.com/nycdevops/events/272956481/

(This is a virtual meetup. Everyone around the world is invited!)




bil

New study evaluates the climate impact of the $400 billion Inflation Reduction Act 

The landmark 2022 Inflation Reduction Act (IRA) has committed nearly $400 billion to mitigating climate change. Nine research teams across the U.S, including a Princeton team led by Jesse Jenkins, have now modeled the law's effect on U.S. carbon emissions.




bil

Endowment continues to provide foundation for Princeton’s groundbreaking research, innovative scholarship and national leadership on college affordability

In the Class of 2028, 71.5% of students qualify for financial aid and 21.7% of the class are lower-income students eligible for federal Pell grants.




bil

Princeton Disability Awareness Carnival

Princeton Disability Awareness Carnivals provides Princeton students the opportunity to spend the day with kids with disabilities during a fun day of carnival games and activities.




bil

Princeton Disability Awareness Carnival

Carnival for Princeton students to spend time with children with disabilities at a day of fun.




bil

Princeton Disability Awareness Carnival

Carnival






bil

How to spend a weekend in Bilbao, the Basque country's artistic capital




bil

How to Enhance Your Flexibility – Exercises and Tips for Better Mobility

Imagine waking up one morning, the sun streaming through your window, and you reach out for that warm cup of coffee. As your body moves, you feel a tug in your muscles, a reminder of just how stiff and restricted movement can become over time. Flexibility doesn’t just impact athletes; it influences everyone’s daily life, ... Read more

The post How to Enhance Your Flexibility – Exercises and Tips for Better Mobility appeared first on Star Two.