![]() ![]() The last time the market was so volatile was in the 1980s. Moves of this magnitude are exceptionally rare. ![]() The ongoing tremors in the banking sector have led to sharp swings in Treasury yields, with the 2-year Treasury moving more than 20 basis points (bps) in a day, mostly to the downside, on nine separate occasions over the last 60 days. Fixed income – downward pressure on yields economy adding 253k jobs in April), healthy consumer spending will likely buoy any weakness in business investment. Until a significant slowdown in the labor market occurs, which has not yet occurred (evidenced by the U.S. Why? Because consumer spending makes up ~70% of GDP and is generally the main driver of the trajectory of the economy. The consumer remains in the driver’s seat | While tightening lending standards and a potential slowdown in small business activity potentially pose headwinds for economic growth going forward, we do not want to overestimate its impact. ![]() As small businesses make up ~48% of total employment and generate ~44% of total economic activity, a slowdown in small businesses will be a headwind for economic growth going forward. It is not surprising that the net respondents in the NFIB Small Business Optimism Index reported easier availability of loans declined to the lowest level (-9%) since 2012 and only 2% saw now as a good time to expand, the lowest level since the Great Financial Crisis. ![]() As a result, the regional banking turmoil will disproportionally hamper smaller businesses. Small businesses hit | Relative to larger businesses, small businesses rely heavily on regional and smaller banks rather than larger banks (>$250 bn in assets) for financing. In particular, small/medium sized banks have likely tightened their lending standards which in turn will weigh on both small business borrowing and investment going forward. On May 8, updated figures from the Fed’s Senior Loan Officer Survey for 1Q will be released and likely show the trend of further tightening in lending standards. In fact, at the end of the first quarter, it was noted that a net 45% of banks had reported tightening lending standards, up from -15% (suggesting easing lending standards) just one year ago. Impact on lending | As a result of the Fed tightening cycle – 10 consecutive meetings of increasing the Fed funds rate – and rising borrowing costs from credit cards to auto loans, lending standards had already been tightening leading into this recent banking turmoil. But the recent turmoil in regional banks, caused primarily by poor strategy and risk management, will likely have a bigger impact on business lending than on the consumer. Tighter lending standards by the Federal Reserve (Fed) were expected to cool the economy and take the edge off inflationary pressures – which it has. Economy – not on the edge quite yetĪ healthy banking system is important to the growth of the economy, and, fortunately, the recent turmoil has not yet reached a level that would cause us to significantly change our economic forecasts. While headlines of bank failures are unsettling for investors, it’s important to put the recent bout of banking sector volatility into perspective and consider what it means for the economy and asset classes. Volatility in the regional banking sector is likely to continue into the near future. While the S&P 500 has been largely flat over this time period, the KBW Regional Banking Index has plummeted and is now down 61% year-to-date, sitting at a three-year low. Over the past two weeks, the regional banking turmoil has reemerged as First Republic Bank failed and was ultimately sold to JP Morgan, shares of other smaller regional banks like PacWest and Western Alliance fell demonstrably, and the merger between TD Bank and First Horizon was surprisingly scuttled. To read the full article, see the Thoughts on the Market publication linked below. With regional bank volatility grabbing headlines, CIO Larry Adam looks at what this activity means for the economy and asset classes. ![]()
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![]() Created during the pandemic of COVID-19, the collaboration between the artists was a testament to the friendship, which was established in November 2020. Ahead of huge anticipation for Adele’s new album 30, officially announced this week and scheduled for 19 November, her most recent album 25 rises to No 6. 'Cold Heart (Pnau remix)' is a song by English singer and songwriter Elton John and English-Albanian singer Dua Lipa from the former's 32nd studio album, The Lockdown Sessions (2021). James Blake’s fifth album Friends That Break Your Heart earns him his highest ever placing at No 4. Elton John & Dua Lipa - Cold Heart Nptn 4.61K subscribers Subscribe 36K Share 4. Tyneside singer-songwriter Sam Fender goes straight to No 1 in the album chart following the release of his acclaimed second LP Seventeen Going Under, which outsold the rest of the Top 10 combined. The two singers recently announced they have teamed up for a Christmas song that will be released later this year. Sir Elton John said that Christmas has come early after his highly anticipated festive collaboration with Ed. Created during the pandemic of COVID-19, the collaboration between the artists was a testament to the friendship, which was established in November 2020. Rebobinando Dua Lipa ft Elton John - Cold Heart 04:05 La hiperactividad de Elton John tuvo una prueba de fuego durante la pandemia por el Covid 19. Elton John & Dua Lipa - Cold Heart (Lyrics) StylePOP 42.2K subscribers Subscribe 11M views 1 year ago DuaLipa ColdHeart EltonJohn Elton John & Dua Lipa - Cold Heart (Lyrics). He knocks Ed Sheeran off the top, who has spent the last 15 weeks at No 1 with his singles Bad Habits (11 weeks) and Shivers (four weeks). Elton John and Dua Lipa’s Cold Heart (PNAU Remix) has become one of the most unexpected multi-platform hits of the year, a savvy track that melds together musical eras, with the two pop. ' Cold Heart (Pnau remix) ' is a song by English singer and songwriter Elton John and English-Albanian singer Dua Lipa from the former's 32nd studio album, The Lockdown Sessions (2021). Earlier this week, the Official Charts Company confirmed that Cold Heart’s success made Elton the first solo artist to have Top 10 hits in six decades. His previous chart-topper was 2005’s Ghetto Gospel, a posthumous 2Pac track produced by Eminem that samples Elton’s song Indian Sunset. ![]() ![]() It is Elton’s eighth No 1 (and Lipa’s third). ![]() ![]() The vaccine was produced by Medgene Labs and was granted Emergency Use Authorization by the USDA Center for Veterinary Biologics in October of 2021. *Notify the State Veterinarian’s office if you experience sudden deaths or high mortality in your rabbitry at 615.837.5120 or vaccine for RHDV2 to be used in domestic rabbits is now available in over 40 states including Tennessee. *Quarantine new domestic rabbits for at least 30 days from other animals. *Wash hands, clothes, and shoes before and after contact with domestic rabbits. *Keep rabbits indoors or keep rabbit enclosures raised and off the ground. *Bury rabbit remains to discourage scavenging. *Prepare meat to an internal temperature of at least 165☏. *When processing rabbit wear disposable gloves. *Avoid harvesting rabbits that appear sick. The following preventative measures are recommended for hunters and rabbit owners to limit exposure and spread of RHDV2: Hunters & Falconers If persons travel to states that are currently experiencing die-offs and take part in outdoor activities, make sure to clean clothing and disinfect shoes before returning to Tennessee. Purina Rabbit Food (plain pellets in the green bag). Grayish brown to reddish upperparts contrast with generally whitish fur underneath. Any type of Cat Litter Newspaper Pet Heating Pads Kitchen scales that can measure in ounces (for. Description: A medium-sized mammal with soft fur, large hind legs, long ears, and a fluffy tail. The USDA website has the most current map of outbreaks of RHDV2 at. The Eastern Cottontail is is the most common and widespread rabbit in North America, and occurs across the entire state of Tennessee. Rabbits carry other diseases that can make people sick. People are asked to report rabbits that appear to be bleeding or sightings of multiple dead rabbits to a TWRA regional office. And indeed, rabbits such as these are very unusual. Their size and unusual coloration makes her think they are not the usual wild rabbits. A few days later, the creature is joined in the yard by a white rabbit. ![]() The virus can persist in the environment for an extended time, which makes it difficult to control the disease once it affects wild rabbit populations. In the video, a Tennessee woman is baffled by the visitation of an enormous black rabbit. People can inadvertently spread the virus into new areas by moving infected live rabbits, carcasses, or parts from infected animals, as well as on clothing and shoes. The virus can be transmitted through direct contact with infected rabbits or carcasses, meat or their fur, feces, bodily fluids, contaminated bedding materials, or other materials that have been contaminated. Currently, RHDV2 only infects rabbit species and has not been documented to affect humans or any other animal species. In Tennessee, eastern cottontails, Appalachian cottontails, and swamp rabbits are susceptible to RHDV2. In late January, RHDV2 was detected in two domestic rabbits in East Tennessee.Īlthough RHDV2 has not been found in Tennessee’s wild rabbit populations, the virus is of major concern as it is highly contagious and lethal to wild and domestic rabbits. Nashville, TN – The Tennessee Wildlife Resources Agency (TWRA) and the Tennessee Department of Agriculture want to make Tennesseans aware of rabbit hemorrhagic disease virus type 2 (RHDV2). ![]() ![]() The shootings at Michigan State happened in February during evening classes at Berkey Hall and nearby at the MSU Union. Hao said his spirits were strong and he was now a 76ers fan because of Harden. “When I got injured, he read the news about that, he just came to give us all the support we need,” Hao told The Associated Press. The family watched the game from a club box at the Wells Fargo Center. Harden also kept his promise that Hao could attend a game. “Just think about the positive things and keep pushing. ![]() ![]() “I know it’s tough right now, just gotta be mentally strong,” Harden said in February in video of the call. Harden learned after the shooting that Hao was a fan of his and donated sneakers, money and then called the student to offer encouragement. Hao’s father also wore a Harden jersey and posed for pictures as the 76ers warmed up behind him. 1 Sixers jersey and attended the game with his parents. Hao recently left a Chicago rehabilitation facility where he’d been since a February shooting on the East Lansing campus that killed three students and injured five others. The 20-year-old Hao and his parents had been invited by Harden to attend a 76ers game once he was available to travel. Hao was all smiles as he looked on from the court, a needed respite from looming rehabilitation for the international student from China who attended Game 4 as Harden’s guest.īefore the game, Harden leaned into Hao and got small pats on the back before resuming his pregame drills. ![]() “He brought me good vibes, good energy,” Harden said. Harden had just scored 42 points, removed his sneakers, signed them and handed them to his new friend. ![]() ![]() ![]() These terms and conditions constitute a binding agreement between you and Ascension Medical Group Seton ("we," "us," or "our"). The Patient Portal is an Internet service that allows our patients to: communicate with us access their health records request or reschedule appointments view and update personal information request prescriptions receive test results read patient educational material view statements pay bills and access related services and content. For those on the network or who are not yet enrolled in MFA, you may notice a message saying you are being logged in through Duo. The Patient Portal is provided on behalf us and our physicians, employees, managers, officers, directors, agents, and representatives and powered by athenahealth, Inc. For associates already enrolled in Duo MFA, two-step verification will be required if you are accessing the portal from outside the Ascension network. (all of the foregoing, collectively, the "Practice Entities"). 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Ascension Seton, based in Austin, Texas, has provided thousands of associates and caregivers a rewarding career in healthcare since 1902. Internet access, a valid email account, software to receive and read email messages, and spam filters set to accept email from our domain andĪdobe Reader installed (to download a copy of Adobe Reader, please go to ). While we use state-of-the-art security, no system can guard against risks of intentional intrusion or inadvertent disclosure of information. ![]()
![]() ![]() This allows you to earn the Heavenly Chips to unlock an array of highly useful enhancements that can be useful for subsequent Ascensions. ![]() This being said, the most well-known Cookie Clicker guide recommends that you ascend for the first time at 400 levels or above. There are many groups of Cookie Clicker players who speak to various numbers, some suggesting that it’s best to wait until you’re in the thousands, but if you would like to ascend faster in Cookie Clicker, the par 200 level would be the ideal occasion to do so. The standard guideline for ascending in the Cookie Clicker, particularly when it’s your first attempt, is to attain at least a minimum of 200 prestige level. Cookie Clicker Ascension Guide – When to Ascend? Don’t worry below, we have suggested you go through some information related to Ascension that will help you reach and complete this milestone quickly. You’re likely to become anxious and desire to ascend fast in the game. Depending on how active you are and how many games you play per day, it could take a few days or weeks, and that’s only the beginning. ![]() To gain access to the initial first Ascension or the highest level of prestige in the Cookie Clicker, you have to make 1 trillion cookies, which will take a lot of time. Heavenly chips, as well as a CPS boost depending on the number of high-end levels you’ve completed. If you choose to ascend, you will receive a couple of things as goodies. Cookies generated (from clicking or other actions that you have performed during games) are the points of reference in this scenario. It resets your progress during the current game, but you can earn rewards for reaching certain milestones. Ascension is identical to a new game that you have unlocked in the Cookie Clicker. ![]() ![]() ![]() Incentivizing private investors to contribute equity mitigates moral hazard. Involving banks, which know their clients and routinely assess business plans, is an important principle that can help address adverse selection. Another difficulty is how to ensure that the private sector does its part. Mechanisms that target firms more accurately are likely to be more complicated, reducing take-up and timeliness of the aid. Targeting support-something that is hard to do-will be critical to avoid wasting taxpayers’ money and should be improved. This will involve avoiding that public support is more attractive for bad than good firms-adverse selection-and preventing firms from mismanaging their business once they have received state support-moral hazard. The public sector is not well placed to assess the viability of a large number of small businesses nor to monitor their performance. Individual countries are coming up with innovative equity programs, but they face many implementation challenges. Policymakers will have to move the dial from debt-increasing liquidity support to more equity support for those firms that have good prospects after the pandemic. Liquidity support cannot address equity shortfalls. Both private and public sector action is required. ![]() About 2 to 3 percent of GDP will be needed to close the equity gap and provide firms sufficient equity so they would no longer be in difficulty, focusing only on the firms that were solvent before COVID-19. Without additional equity support, some 15 million jobs are at risk. Equity shortfalls are largest for micro firms and small businesses, with current policies absorbing only one quarter of the equity gaps versus over two fifths for larger corporations. ![]() Even with this scale of support, the share of insolvent firms as a share of total firms is estimated to have increased by 6 percentage points. Public support so far is estimated to have filled 60 percent of European firms’ liquidity needs because of the COVID-19 shock, but only 30 percent of the equity shortfalls (the extent to which firms’ debt exceeds their assets). In a recent IMF staff study (see presentation here), which covers 26 European countries (of which 21 are EU members), we estimate that without policy support, the share of illiquid firms in Europe would have more than doubled and that of insolvent firms would have almost doubled by end-2020.īut many companies are still short of equity It allowed banks to extend loans rather than amplify the downturn by adding a credit crunch. Liquidity (ready cash) provided to companies prevented cascading bankruptcies. With containment measures preventing many firms from operating at full capacity or at all, government support programs-such as job retention schemes, which at their peak benefitted 54 million people-have been essential for businesses and people to survive. 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![]() ![]() The 2020-built container vessel ran aground in the Chesapeake Bay in the United States and remains stuck since 13 March. ![]() Coast Guard Photo A response boatcrew from Coast Guard Station Curtis Bay monitors the 1,095-foot motor vessel Ever Forward, which became grounded in the Chesapeake Bay, March 13, 2022. It is important to note that Evergreen, the owner of the 11,850 TEU Ever Forward, has declared General Average (GA) due to the increasing costs arising from the continued attempts to refloat the vessel. ![]() The 1,095 foot cargo vessel, Ever Forward, sits grounded in the Chesapeake Bay, near the Craigshill Channel, March 13, 2022. A screengrab from a live feed shows the Ever Forward aground in Chesapeake Bay, March 14, 2022. This week, the Maryland Board of Public Works approved a plan requiring the owner of the container ship Ever Forward to pay 676,200 for the seeding and enhancement of oyster bars. I want to be fully transparent with you all with the current state of Ever Forward Apparel. local time on Monday, although there seemed to be no refloating attempt. The next high tide in Gibson Island, MD is expected at 5:21 p.m. The Coast Guard and Maryland Department of the Environment are coordinating the refloating of the container ship. No injuries or pollution have been reported, according to the Coast Guard spokesperson. Ever Front’s much larger sister vessel, Ever Given, notoriously ran aground in the Suez Canal back in March 2021, blocking the waterway for six days before she was refloated.Įvergeen Marine’s websiste lists Ever Forward’s owner as EVERGREEN MARINE (HONG KONG) LTD. Evergreen, the owner of the 11850 TEU Ever Forward which has run aground in the Chesapeake Bay in the United States since 13 March, has declared General. A 334-meter containership owned by Evergreen Marine is aground in Chesapeake Bay not far from the Port of Baltimore on the U.S. But it is noticeable for its storage solutions, such as a split mattress in the forward cabin making it easy to lift one section to access a huge locker beneath the berth. The Ever Forward was delivered in 2020 and is one of 20 “Evergreen F class” ships built for Evergreen Marine, each with a capacity of around 12,100 TEU. The layout is the usual owner’s cabin forward with a second cabin aft, running beneath the cockpit. ![]() ![]() ![]() Bratislava Old Town is a 5-minute walk from the accommodation. Michael's Gate is a few minutes' drive from the venue, while Hockey Hall of Fame is 0.2 km away. Free Wi Fi is available in the rooms as well as an indoor swimming pool, a wellness centre and a spa area are available on site. Use the app to navigate to popular places including to the airport, hospital, stadium, grocery store, mall, coffee shop, school, college, and university.The 3-star Hotel Nivy Bratislava lies in Ruzinov district within a walking distance to Arena of Ondrej Nepela. You don’t need to download an individual bus app or train app, Moovit is your all-in-one transit app that helps you find the best bus time or train time available.įor information on prices of Bus and Trolleybus, costs and ride fares to Vinoteka Dve Deci, please check the Moovit app. We make riding to Vinoteka Dve Deci easy, which is why over 1.5 million users, including users in Bratislava Ii, trust Moovit as the best app for public transit. Get directions from and directions to Vinoteka Dve Deci easily from the Moovit App or Website. Want to see if there’s another route that gets you there at an earlier time? Moovit helps you find alternative routes or times. Looking for the nearest stop or station to Vinoteka Dve Deci? Check out this list of stops closest to your destination: Líščie Nivy Bajkalská Bratislavská Župa (X) Sabinovská Ba Slovanet. View schedules, routes, timetables, and find out how long does it take to get to Vinoteka Dve Deci in real time. ![]() Moovit provides free maps and live directions to help you navigate through your city. Wondering how to get to Vinoteka Dve Deci in Bratislava Ii, Slovakia? Moovit helps you find the best way to get to Vinoteka Dve Deci with step-by-step directions from the nearest public transit station. Public Transit to Vinoteka Dve Deci in Bratislava Ii The 42 is the last Trolleybus that goes to Vinoteka Dve Deci in Bratislava Ii.
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