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Outcomes round-up: MS&AD, Tokio Marine, Sompo

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Outcomes round-up: MS&AD, Tokio Marine, Sompo

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Outcomes round-up: MS&AD, Tokio Marine, Sompo | Insurance coverage Enterprise America















Japan-headquartered international insurers publish newest financials

Results round-up: MS&AD, Tokio Marine, Sompo


Insurance coverage Information

By
Terry Gangcuangco

International insurers Tokio Marine, Sompo, and MS&AD have launched their newest financials.    

The Japan-headquartered teams, whose fiscal 12 months begins on April 1 and ends on March 31, reported the beneath monetary leads to the primary 9 months (April 1 to December 31).







Metric

Tokio Marine

Sompo

MS&AD

Peculiar revenue

¥5.6 trillion

¥3.8 trillion

¥4.9 trillion

Peculiar revenue

¥589.8 billion

¥432.4 billion

¥386.6 billion

Web revenue attributable to house owners of the mother or father

¥517.5 billion

¥323 billion

¥281.6 billion

 

Throughout the above metrics, all three corporations posted will increase from the corresponding interval in 2022.

When it comes to consolidated earnings forecasts for fiscal 12 months 2023 (April 1, 2023 to March 31, 2024), Tokio Marine is anticipating to report ¥670 billion in internet revenue attributable to house owners of the mother or father; Sompo, ¥324 billion; and MS&AD, ¥280 billion.

What do you consider this story? Share your ideas within the feedback beneath.

Associated Tales


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Ten Songs For Valentine’s Day Haters

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Ten Songs For Valentine’s Day Haters

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For some folks, February 14th is a chance to purchase chocolate and teddy bears, put on pink, and plaster their social media with mildly irritating collages of their vital different. However some folks is likely to be feeling down about their single standing or a latest breakup, aggravated by the rampant commercialism of a day supposedly devoted to like, or simply in a cynical temper. If any of the above sound such as you, it’s possible you’ll admire this compilation of “anti-Valentine” songs, greatest loved on February fifteenth whereas consuming all of the leftover half-price sweet.


“Heaven Is aware of I am Depressing Now” – The Smiths

The band that virtually invented melancholy is the right strategy to begin off this checklist. Johnny Marr’s intricate guitar wraps round Morrissey’s wealthy, mournful voice as he dramatically laments each little factor fallacious together with his life, together with two lovers simply dwelling their life in his neighborhood. (We have all been there.) Whenever you really feel like sinking into the blues and indulging in a contact of superiority since you don’t love Valentine’s Day and that makes you particular, “Heaven Is aware of I am Depressing Now” is there for you.

“Crush Tradition” – Conan Grey

Heartfelt indie-pop artist Conan Grey expresses his frustration with the trendy relationship scene by way of tongue-in-cheek lyrics and infectious cotton-candy instrumentals. “All this love is suffocating/Simply let me be unhappy and lonely” he begs earlier than launching into the refrain. Within the music video, Grey viciously ruins the dates of completely satisfied {couples} as he kicks and jumps by way of the hallways of a highschool. “Crush Tradition” is a cute but cathartic scrutiny of latest romance for anybody who’s sick and uninterested in hearts and roses, already.

“Heartless” – The Weeknd

Kicking off with a hypnotizing beat, this music is an anti-Valentine anthem from the title alone. The Weeknd raps about fame and indulgence with a bravado that bears an fringe of despondence, declaring that “all this cash and this ache acquired me heartless” as if he is attempting to persuade himself greater than anybody else. The facade briefly breaks within the bridge as he admits “I don’t do properly when alone,” earlier than returning to his assured assertions. “Heartless” embodies the complexity of emotion that may come together with Valentine’s Day in a uncooked and private expression.

“Ur Mum” – Moist Leg

Moist Leg are refreshingly biting and humorous on this condemnation of a former lover, with vocalist Rhian Teasdale announcing between choruses that she’s been “training her longest and loudest scream” earlier than demonstrating over chugging guitar and light-weight backup vocals. The observe candidly denies any want or want for an ex in a playful, empowering method that makes it a pleasure to take heed to, even when Valentine’s Day has put you in a bitter temper.

“That is What You Get” – Paramore

Pop-punk icons Paramore pound out a defiant aspersion of romance led by Hayley Williams’ fierce, arresting voice in “That is What You Get“. Electrical guitar and drums explode as Williams belts, “Why will we like to harm a lot?” and concludes that following your coronary heart can solely finish in ache. By no means has such a pessimistic view had such a enjoyable sound.

“Maneater” – Corridor & Oates

Should you’re sick of all of the real love and dedication that Valentine’s Day signifies, you may get pleasure from a music concerning the actual reverse with “Maneater“, a cool trumpet-filled tune a few lady who manipulates males to get what she needs; “Cash’s the matter/Should you’re in it for love, you ain’t gonna get too far,” croons Daryl Corridor. The irresistible bass line and expressive sax in live performance with Corridor’s easy, stirring vocals paint an image of energy, greed, and seduction. 

“Higher By Myself” – Hey Violet

A sinuous bass line snakes by way of the opening of this liberated post-breakup tune, accented by full of life drum beats, earlier than Hey Violet frontwoman Rena Lovelis begins enumerating each downside along with her ex and celebrating the liberty of singleness. “Higher By Myself” is catchy and full of a palpable euphoria and reduction that you could’t assist however take up.

“Tainted Love” – Smooth Cell

This eighties basic by British new wave duo Smooth Cell is a synthy dance hit, however upon nearer listening, it is vitally a lot an anti-love music as properly. Like the unique R&B model by Gloria Jones, “Tainted Love” focuses on a poisonous and sophisticated relationship from which the speaker is attempting desperately to flee. The sharp drumbeats and metallic double clap all through the music embody the ache of the story being advised, whereas the mellifluous synths and catchy keyboard make it powerful to get out of your head.

“Any individual That I Used To Know” – Gotye

Gotye and Kimbra’s 2011 collaboration is beguiling and heart-wrenching, with gentle however decided vocals in every verse constructing to passionate laments about the best way a former associate has erased their recollections collectively. The easy however distinctive association of the instrumental, together with xylophone and bongos, and Gotye’s earnest background vocals create an extremely emotional piece concerning the less-discussed aftermath of a breakup.

“Why’d You Come In Right here Lookin’ Like That” – Dolly Parton

By far essentially the most upbeat anti-Valentine music on this checklist, nation goddess Parton delivers a foot-stomping grievance about lacking an ex-boyfriend who’s making it very laborious for her to recover from him. “Right here comes my child, draggin’ my coronary heart behind/He’s drivin’ me loopy, who says love is blind?” She warbles over full of life banjo and fiddle, making it inconceivable to not establish along with her humorous, trustworthy model and lyrics.


So if February 14th rolls round and you do not really feel like becoming a member of the lots in doing foolish issues like happening dates and shopping for flowers which can be simply going to wilt anyhow, you may spend a peaceable day in your sofa doing much better and cooler actions, resembling testing these songs.

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Incorporating Mindfulness into Monetary Planning –

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Incorporating Mindfulness into Monetary Planning –

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Mindfulness is a psychological state characterised by present-moment consciousness, non-judgmental consideration, and a aware concentrate on the present expertise. It entails being totally engaged within the right here and now, observing ideas and emotions with out attachment or reactivity.

Mindfulness practices, similar to meditation and conscious respiration, are generally used to develop these abilities. The advantages of mindfulness embrace diminished stress, improved focus, enhanced emotional regulation, and a larger sense of well-being. It’s usually built-in into numerous elements of life, together with work, relationships, and well being, to advertise a extra conscious and intentional way of life. 

Now let’s delve into how we are able to use Mindfulness into Monetary Planning.

Budgeting & Financial savings:

Create a Aware Finances: Develop a funds that aligns along with your values and priorities. Mindfully monitor earnings and bills, allocating funds to requirements, financial savings, and discretionary spending in a means that displays your monetary targets.

Aware Spending: Earlier than making a purchase order, practise conscious spending by pausing and asking your self if the expenditure aligns along with your values and monetary targets. This straightforward pause might help you make extra aware selections about your spending habits.

Aware Saving: Strategy saving mindfully by setting practical and achievable financial savings targets. This strategy fosters a optimistic relationship with saving. Setting apart the cash earlier than spending is the most effective strategy. 

Monetary Planning & Investments:

Set Clear Monetary Targets: Clearly outline short-term and long-term monetary targets. Mindfully contemplate what really issues to you, whether or not it’s saving for a particular milestone, creating an emergency fund, or planning for retirement. Prioritise the targets which are “must be” earlier than you concentrate on “good to be” targets. 

Keep away from Multitasking Throughout Monetary Actions: When participating in monetary planning duties, similar to reviewing statements or making a funds, keep away from multitasking. Deal with one process at a time to boost focus and scale back the chance of errors.

Aware Investing: Align investments that improve the likelihood of attaining the targets confidently. Strategy investing with mindfulness by totally researching funding choices, diversifying your portfolio, and setting practical expectations. Keep away from making funding selections based mostly solely on short-term market fluctuations or emotional reactions.

Domesticate Persistence: Mindfulness encourages endurance and understanding that attaining monetary targets takes time. Cultivating endurance additionally binds within the idea of energy of compounding effectively. Keep away from impulsive selections and keep dedicated to your long-term plan.

Assessment Monetary Progress:

Common Monetary Examine-Ins: Schedule common monetary check-ins to evaluate your funds, monitor progress towards targets, and make changes as wanted. This conscious evaluate helps you keep related to your monetary plan and make knowledgeable selections.

Practise Deep Respiration and Stress Discount: Monetary stress is frequent, however practising mindfulness methods similar to deep respiration, meditation, or yoga might help handle stress. These practices can enhance your emotional well-being and improve your skill to make rational monetary selections.

Follow Non-Attachment: Mindfully observe non-attachment to monetary outcomes. Whereas having targets is necessary, acknowledge that exterior circumstances could change. Embrace flexibility and adaptableness in your monetary planning, permitting for changes when wanted.

Follow Gratitude for Funds: Domesticate gratitude by acknowledging and appreciating your present monetary state of affairs. Frequently mirror on the optimistic elements of your funds, whether or not it’s a secure earnings, a cushty dwelling, or the power to satisfy important wants.

If all these sounds overwhelming, then you may, 

Search Skilled Steering Mindfully: If wanted, search steering from monetary professionals mindfully. Select advisors who align along with your values and take the time to know your distinctive monetary state of affairs. Frequently talk with them and be an lively participant within the decision-making course of. 

Wishing monetary nirvana to all our readers. 



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Are you able to sanitize the within of your nostril to stop COVID? Nope, FDA says.

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Are you able to sanitize the within of your nostril to stop COVID? Nope, FDA says.

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Can you sanitize the inside of your nose to prevent COVID? Nope, FDA says.

Greater than 4 years after SARS-CoV-2 made its international debut, the US Meals and Drug Administration remains to be working to filter out the bogus and unproven merchandise that flooded the market, claiming to stop, deal with, and remedy COVID-19.

The most recent instance is an alcohol-based sanitizer meant to be smeared contained in the nostrils. Based on its maker, the rub can defend you from changing into contaminated with SARS-CoV-2 and different nasty germs, like MRSA, and that safety lasts as much as 12 hours after every swabbing. That each one sounds nice, however in response to the FDA, none of it’s confirmed. In a warning letter launched Tuesday, the company decided the sanitizer, referred to as Nozin, is an unapproved new drug and misbranded.

Whereas ethyl alcohol is utilized in widespread topical antiseptics, like hand sanitizers, the FDA doesn’t usually think about it secure for contained in the nostrils—and the company is unaware of any high-quality scientific knowledge displaying the Nozin is secure, not to mention efficient. The FDA additionally famous that, for common over-the-counter topical antiseptics, calling out particular pathogens it might probably struggle off—like SARS-CoV-2 and MRSA—isn’t allowed beneath company guidelines with out additional FDA evaluation. Making claims about safety length can be not allowed.

The FDA’s warning letter is nothing to sneeze at; the letter threatens seizure and injunction for failing to adequately reply.

Nozin’s maker, Maryland-based World Life Applied sciences Corp., didn’t instantly reply to a request for remark from Ars. On its web site, the corporate touts its product’s effectiveness with a hyperlink to a broadcast examine from 2014, indicating that use of Nozin lowered the colonization ranges of S. aureus and different micro organism within the noses of 20 wholesome well being care employees. The examine didn’t tackle safety from an infection or carriage of any viruses. The corporate additionally lists unpublished research indicating that the product can kill micro organism in laboratory circumstances, doesn’t irritate pores and skin, and lowered bacterial development within the noses of 30 individuals over a 12-hour interval.

That is removed from the primary doubtful, nasal-based COVID product the FDA has referred to as out. There was the Corona-cure nasal spray of 2020, and the Halodine and the NanoBio Shield nasal antiseptics of 2021. That 12 months, the Federal Commerce Fee sued an organization referred to as Xlear over allegedly false claims that its nasal spray can stop and deal with COVID-19. At the very least two extra nasal spray makers acquired FDA warning letters in 2022.

To this point, the FDA has not authorised any nasal sprays to stop or deal with COVID-19, and the scant knowledge on their efficacy stays inconclusive. However there are nonetheless loads of such merchandise on the market on-line. Most, like Nozin, declare to work by killing micro organism and viruses immediately. One product, a nitric oxide nasal spray referred to as Sanotize, is at the moment in a Part III scientific trial to check whether or not it might probably stop SARS-CoV-2 infections. Others declare to work by coating the nasal passage with the gelling agent iota-carrageenan to supply a barrier to viral entry. A pilot scientific trial of 400 well being care employees in Argentina printed in 2021 discovered that the usage of an iota-carrageenan nasal spray led to a 4 % absolute threat discount in SARS-CoV-2 an infection.

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Patrick and the Whale | About | Nature

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Patrick and the Whale | About | Nature

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PRODUCTION CREDITS

PATRICK AND THE WHALE

DIRECTED BY
MARK FLETCHER

PRODUCED BY
WALTER KÖHLER
WOLFGANG KNÖPFLER

UNDERWATER PHOTOGRAPHY
GAIL JENKINSON
PATRICK DYKSTRA
ROMAIN BARATS

DIRECTOR OF PHOTOGRAPHY
RUPERT MURRAY

ADDITIONAL PHOTOGRAPHY
JUSTIN KNÖPFLER
ABDULLATIF NURDIN-HUSSEIN

EDITED BY
MARK FLETCHER

EDIT ASSISTANT
ROLAND MITTERMÜLLER

ONLINE EDITOR
PHILIP TIMM

COLORIST
LEE NIEDERKOFLER

MASTERING
CHRISTIAN VOLLENHOFER-ROHLFING

POST PRODUCTION SUPERVISOR
MICHAEL FRÖCH

MUSIC BY
H. SCOTT SALINAS
MATTHEW ATTICUS BERGER

SOUND DESIGN
BERNHARD ZORZI

FOLEY ARTIST
THOMAS VOGLREITER

VOICE RECORDING
RICHARD EASTICK
JAKOB STUDNICKA

RE-RECORDING MIXER
MICHAEL PLÖDERL

SOUND POST PRODUCTION SUPERVISOR
THOMAS KATHRINER

PRODUCTION COORDINATORS
NINA HOLLER
JOSEPHA MÜLLER-HARTBURG

WHALE GUIDE
NIGEL SERAPHIN

BOAT CAPTAIN
BILL OLIVE

DIVE SUPERVISOR
JOY DAVIDS

ARCHIVE FOOTAGE
PATRICK DYKSTRA
DISCOVERY ACCESS
AMBREGRIS PROD
WILD LOGIC
HOWARD HALL PRODUCTION
AMERICAN MUSEUM OF NATURAL HISTORY

EXECUTIVE PRODUCERS
JAMES REED
ALEXANDER NANAU
DINAH CZEZIK-MÜLLER
MICHAEL FRENSCHKOWSKI
SABINE HOLZER
MARTIN MÉSZÁROS

SPECIAL THANKS
MINISTRY FOR BLUE AND GREEN ECONOMY

FOR NATURE

SERIES EDITOR
JANET HESS

SENIOR PRODUCER
LAURA METZGER LYNCH

SUPERVISING PRODUCER
JAYNE JUN

ASSOCIATE PRODUCER
JAMES F. BURKE

LEGAL COUNSEL
BLANCHE ROBERTSON

DIGITAL LEAD
DANIELLE BROZA

DIGITAL PRODUCER
AMANDA SCHMIDT

SOCIAL MEDIA EDITOR
KAREN HO

AUDIENCE ENGAGEMENT
CHELSEY SAATKAMP

BUDGET CONTROLLER
JAYNE LISI

ONLINE EDITOR
STACEY DOUGLASS MOVERLEY

RE-RECORDING MIXER
JON BERMAN

ORIGINAL EPISODE PRODUCTION FUNDING PROVIDED IN PART BY
Bradley L. Goldberg Household Basis
Perpetual Kindness Basis
Solar Hill Renewal Fund

ORIGINAL SERIES PRODUCTION FUNDING PROVIDED IN PART BY
Company for Public Broadcasting
Arnhold Basis
The Fairweather Basis
Kate W. Cassidy Basis
Charles Rosenblum
Kathy Chiao and Ken Hao
Sue and Edgar Wachenheim III
Filomen M. D’Agostino Basis
Lillian Goldman Charitable Belief
Gregg Peters Monsees Basis
Koo and Patricia Yuen
Sandra Atlas Bass

SERIES PRODUCER
BILL MURPHY

EXECUTIVE PRODUCER
FRED KAUFMAN

A PRODUCTION OF TERRA MATER STUDIOS IN ASSOCIATION WITH THE WNET GROUP

THIS PROGRAM WAS PRODUCED BY THIRTEEN PRODUCTIONS LLC, WHICH IS SOLELY RESPONSIBLE FOR ITS CONTENT.

© 2023 TERRA MATER STUDIOS GMBH
ALL RIGHTS RESERVED

ADDITIONAL MATERIAL © 2024 THIRTEEN PRODUCTIONS LLC
ALL RIGHTS RESERVED

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The Catholic Tradition Podcast: 167 – Early Feminism Was Worse Than You Suppose

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The Catholic Tradition Podcast: 167 – Early Feminism Was Worse Than You Suppose

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Sep 15, 2023

Catholic critics of feminism usually begin with the idea
that the “first wave” of feminism, led by Nineteenth-century figures such
as Susan B. Anthony and Elizabeth Cady Stanton, was principally a
good factor and appropriate with Catholic teachings; solely later in
the Nineteen Sixties and 70s, in accordance with this narrative, was the motion
“hijacked” by “radical feminists”.

The one downside is that when one really appears intently at
feminism in its early type, whether or not that of Stanton and Anthony or
even earlier with Mary Wollstonecraft, one finds apparent
continuities with so-called “radical feminism”.

On the extent of concepts, we discover Enlightenment individualism,
rationalism, and egalitarianism attacking as oppressive the pure
establishments of marriage and household and the divinely ordained
hierarchies of the Church.

On the private degree, feminism was from the start the
brainchild of traumatized, depressing ladies who had deeply
dysfunctional relationships with the boys of their lives – their
concepts eagerly championed by males like Percy Shelley, who “liberated”
ladies with the intention to exploit them.

Carrie Gress returns to the present to debate her e-book The Finish
of Girl: How Smashing the Patriarchy Has Destroyed Us
, which
tells the tales of feminist pioneers from Wollstonecraft,
Stanton, and Shelley to Betty Friedan and Gloria Steinem.

Hyperlinks

Carrie Gress, The Finish of Girl: How Smashing the Patriarchy
Has Destroyed Us
https://www.regnery.com/9781684514182/the-end-of-woman/

Daybreak Eden, “Eve of Deconstruction: Feminism and John Paul
II” https://www.catholicity.com/commentary/eden/03324.html

DONATE to make this present doable! http://catholicculture.org/donate/audio

Go to Catholic Tradition’s web site for tons of written content material,
together with information, articles, liturgical 12 months data, and an enormous library
of paperwork: https://www.catholicculture.org



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A Guidelines for Evaluating Lengthy-Time period Care Insurance coverage Choices – Life Occurs

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A Guidelines for Evaluating Lengthy-Time period Care Insurance coverage Choices – Life Occurs

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Life usually has a method of taking surprising turns, particularly once we become old. Whereas there’s no approach to know for positive should you’ll want long-term care sooner or later, it’s fairly seemingly contemplating that persons are dwelling longer than ever—the truth is, 69% of individuals will use long-term care providers sooner or later.

As you draw nearer to your golden years, getting long-term care insurance coverage (LTCI) is usually a good move to make sure peace of thoughts and monetary stability for each you and your family members. With many choices accessible, making the appropriate selection can really feel overwhelming. Use this guidelines that can assist you consider and take that subsequent step towards getting protection.

1. Understanding Lengthy-Time period Care and Early Planning:

  • Outline the kinds of care: Perceive the varied types of long-term care, equivalent to nursing dwelling care, dwelling well being care or assisted dwelling. Decide what sort of care you or a beloved one would possibly want. It’s additionally necessary to consider the type of care that LTCI doesn’t cowl, which usually consists of care offered by relations or medical care prices.
  • Begin early: The earlier you begin evaluating your long-term care insurance coverage choices, the higher. Early planning can permit for higher monetary preparation and a broader vary of decisions.

2. Exploration of Insurance coverage Choices and Coverage Options:

  • Conventional vs. hybrid insurance policies: Conventional long-term care insurance coverage (often known as a standalone coverage) covers nursing dwelling care, dwelling well being care and assisted dwelling, whereas hybrid insurance policies mix the loss of life advantage of life insurance coverage or annuities with long-term care advantages.
  • Coverage options: Look into the particular options just like the day by day or month-to-month profit quantity, size of profit interval and the elimination interval. Take into account inflation safety to make sure the profit quantity retains tempo with rising care prices.

3. Prices, Premiums and Protection Specifics:

  • Premium prices: Perceive the price of premiums and assess in the event that they match inside your finances. It’s additionally necessary to know whether or not the premiums can improve sooner or later and beneath what circumstances.
  • Protection particulars: Know which providers are coated, which aren’t and any situations or restrictions. This might help you keep away from any surprises later.

4. Supplier Status, Monetary Stability and Authorized Session:

  • Supplier status: Select firms recognized for servicing long-term care insurance policies properly. Examine the monetary power scores of the insurance coverage firm.
  • Authorized and monetary recommendation: Search recommendation from authorized and monetary professionals aware of long-term care planning to know the implications of long-term care insurance coverage.

5. Household Dialogue and Steady Analysis:

  • Household discussions: Have interaction relations in discussions about long-term care planning to make sure everyone seems to be on the identical web page. LTCI can also be there to assist your family members, because it takes the stress off your loved ones to supply care.
  • Steady analysis: As wants change over time, assessment and replace your coverage often, particularly after main life occasions. It’s at all times a good suggestion to assessment any type of insurance coverage yearly.

By following this guidelines, you can also make knowledgeable selections that present peace of thoughts and monetary stability for your self and your family members. Evaluating long-term care insurance coverage choices is an important step in getting ready for all times’s uncertainties. A licensed insurance coverage agent might help you’re taking the subsequent step of getting protection.

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Anthony Epstein, pathologist behind Epstein-Barr virus discover, dies at 102

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Anthony Epstein, pathologist behind Epstein-Barr virus discover, dies at 102

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Anthony Epstein, a British pathologist whose likelihood attendance at a lecture on childhood tumors in Africa started years of scientific sleuthing that led to the invention of the ultra-common Epstein-Barr virus and opened expansive analysis into its viral hyperlinks to cancers and different power illnesses, died Feb. 6 at his house in London. He was 102.

His associate, Dr. Katherine Ward, confirmed the loss of life however gave no particular trigger.

Dr. Epstein’s work within the Nineteen Sixties to isolate the virus — a kind of herpes — set the muse for sweeping research into viral and organic triggers for cancers similar to Hodgkin’s lymphoma and potential hyperlinks to different ailments together with a number of sclerosis, lupus and, most just lately, so-called lengthy covid.

The analysis later expanded to detect different cancer-causing viruses such the human papillomavirus, or HPV. Not like HPV, nonetheless, no vaccine has been developed for Epstein-Barr, named for Dr. Epstein and colleague Yvonne Barr, which is believed current in additional than 90 % of the world’s inhabitants.

“Everyone seems to be placing a brick within the wall,” Dr. Epstein stated in regards to the a number of fronts of analysis on the Epstein-Barr virus. “It’s the accumulation of bricks which makes the constructing.”

For most individuals, Epstein-Barr is a silent hitchhiker. It’s unfold via saliva and different bodily fluids and sometimes acquired throughout childhood. The virus sits in throat and blood cells, possibly flaring up as mononucleosis or a bout of lethargy, or with no signs in any respect. But in some circumstances, the virus takes off by speedy replication in host cells.

“It’s very stealthy,” Jeffrey Cohen, the chief of the infectious-diseases laboratory on the Nationwide Institute of Allergy and Infectious Ailments, informed the New York Instances in 2022.

That is the purpose the place the science will get hazier. There’s consensus {that a} surge within the Epstein-Barr virus has an affiliation with some cancers of the abdomen, nasal system and blood. Much less clear is how a lot the virus acts as a attainable springboard for different cancers, severe inflammations similar to viral meningitis and an array of autoimmune ailments together with rheumatoid arthritis.

A complication is that Epstein-Barr is so prevalent that researchers have bother proving direct trigger and impact. However the virus, which might be grown and sustained in lab settings, has develop into invaluable in most cancers research by watching its impact on wholesome cells and tissue.

“We will monitor how [the virus] acts in all types of organic environments and with totally different cells,” Sumita Bhaduri-McIntosh, chief of pediatric infectious ailments on the College of Florida Faculty of Drugs, stated in an interview. “It’s a useful mannequin for analysis into how issues go mistaken.”

For Dr. Epstein, the unfulfilled seek for a vaccine remained a lifelong frustration. Within the newest vaccine efforts, the Nationwide Institute of Allergy and Infectious Ailments in 2022 started the primary medical trials in additional than a decade. “The chain is just not understood however the proof is,” stated Dr. Epstein on how the virus seems to contribute to increased charges of cancers and ailments. “However with out [the virus] you don’t have a steady chain … [and] you’ll be able to take away that by vaccinating to forestall an infection.”

Many years earlier, his work with the virus started with pure scientific serendipity. In 1961, Dr. Epstein heard a few lecture at Middlesex Hospital Medical College in London by a Northern Eire-born surgeon, Denis Burkitt, who was based mostly in Uganda and researching a mysterious tumor present in some native youngsters, typically of their jaw. Dr. Epstein on the time had been learning hyperlinks between viruses and ailments in birds and different animals.

Dr. Epstein determined to see what Burkitt needed to say. He sat within the again, prepared to slide out if he was not . As an alternative, Dr. Epstein was riveted by Burkitt’s descriptions of the tumor (later named Burkitt’s lymphoma) and the way its prevalence was carefully linked to local weather and different elements. Burkitt’s findings had been just like his research in viral hyperlinks with animals, Dr. Epstein thought. “I might hardly sit nonetheless. … It needed to be that it was a virus-induced tumor in people,” he recalled.

Dr. Epstein requested Burkitt to ship him tumor tissue from Uganda. For years, the analyses made no headway. Then, in December 1963, a pattern placed on the BOAC flight to London was diverted to Manchester due to fog. By the point the tumor tissue reached Dr. Epstein days later, the cargo appeared ineffective. It was surrounded by a cloudy fluid considered micro organism. The combo turned out to be a soup of free-floating lymphoma cells that had been shed by the tumor. Moderately than tossing it away and asking Burkitt for extra, Dr. Epstein determined to attempt to develop the cells in a tradition.

“So I assumed, ‘Why not give it a go?’” he recalled. Beneath an electron microscope, the cells lastly gave up their secret: viral particles had been evident. A 1964 paper within the British medical journal Lancet, written by Dr. Epstein, Barr and analysis assistant Bert Achong, described the breakthrough second with the primary proof of a beforehand unknown virus inside a human tumor.

In a 2014 interview with the BBC, Dr. Epstein recalled that he wanted to settle down after recognizing that he stumbled throughout a brand new virus and its obvious hyperlink to most cancers in people. He took an extended stroll within the snow earlier than returning to double-check the findings.

“I had the sensation,” he stated, “this was one thing particular.”

Michael Anthony Epstein was born in London on Could 18, 1921. He studied at Trinity Faculty on the College of Oxford and Middlesex Hospital Medical College.

After serving within the Royal Military Medical Corps following World Conflict II, he returned to Middlesex Hospital as an assistant pathologist. His early medical analysis probed the Rous sarcoma retrovirus, a cancer-causing virus that was first noticed in birds.

Dr. Epstein was a professor of pathology on the College of Bristol from 1968 to 1985 after which was a fellow at Wolfson Faculty on the College of Oxford till his retirement in 2001. Dr. Epstein was knighted by Queen Elizabeth II in 1991.

Dr. Epstein’s marriage to Lisbeth Knight led to divorce. Along with his associate, Ward, survivors embody three youngsters from his marriage, Simon Epstein, Michael Epstein and Susan Holmes.

In 1991, at Oxford Brookes College in Oxford, England, Dr. Epstein and Burkitt mentioned the occasions resulting in the Epstein-Barr discovery.

“It was a sequence of accidents, actually,” Dr. Epstein stated, smiling. “Fortunate quirks.”

“However it’s important to have two issues,” stated Burkitt. “It’s a must to have the accident, because it had been, and the thoughts that may interpret them and look behind them and see their that means.”

“Effectively, in fact, that’s what Louis Pasteur stated, wasn’t it?” Dr. Epstein replied. “‘Likelihood favors the ready thoughts.’”

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Bandcamp & SoundCloud are NOT sufficient (Why you want music distribution)

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Bandcamp & SoundCloud are NOT sufficient (Why you want music distribution)

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It’s all the time a shock after I hear it.

It shouldn’t be, as a result of I’ve heard it lots of of instances.

Nevertheless it surprises me all the identical, every time I ask an artist if their music is on Spotify or Apple Music, and so they say, “No, I’m solely on Bandcamp.”

Or “I’m solely on SoundCloud.”

Or sound.xyz, or BandLab, or Beatport…

Solely this. Or solely that.

The issue isn’t these platforms. They’re all nice and have unbelievable music communities with distinct habits, cultures, and alternatives.

The issue is that phrase “ONLY!”

I’ve been round lengthy sufficient to ensure one factor: YOU would possibly solely be in a single place, however your potential followers are NOT.

I get it although. It could really feel extra manageable, streamlined, and connective to focus on a single platform and user-base. You would possibly assume it’s saner and extra community-minded. Which might be why it’s such a typical mistake artists make.

Now, let me caveat this argument by saying the apparent: It’s your music, and it is best to do no matter is greatest for you, your creativity, and your followers. Nevertheless, when your music is accessible in ONLY one place, you’re not accounting for three fixed challenges within the digital age:

1. The fragmentation of listenership

We used to solely have a handful of choices:

  • Radio
  • CD or cassette or vinyl (relying on the period)
  • Stay reveals
  • After which (following the Napster years) “obtain” principally implied a single dominant platform — iTunes

At this time listening is unfold out throughout:

  • Dozens of DSPs
  • Livestreaming platforms like Twitch
  • Video platforms like YouTube and TikTok
  • Video video games
  • Digital AND terrestrial radio
  • Artist and label web sites
  • Music blogs
  • And sure, music providers like Bandcamp and Soundcloud

However even diehard followers of a specific style aren’t all loyal to the identical platforms and apps. And amongst a single class reminiscent of DSPs, totally different platforms are dominant in numerous international locations.

You need to NOT assume all of your potential followers favor what you like. You can also’t assume they’ll change their habits or subscriptions to satisfy you the place YOU are at.

The world is stuffed with an excessive amount of music, and too many competing types of leisure. Your music must be available within the locations they ALREADY spend their time.

Correct music distribution solves this, by releasing your music in all places that issues.

2. The altering of phrases & options

One other downside with placing your eggs in a single basket? It assumes issues will keep the identical (or enhance) relating to your skill to develop and nurture an viewers on that platform.

However how usually has that occurred because the days of MySpace?

Eventual platform dangers embody:

  • Your natural attain will get throttled
  • The rev-share percentages tilt in the direction of the platform
  • Workers will get laid off and the tech suffers
  • The algorithm begins recommending other forms of issues
  • You’re requested to subscribe for instruments you used to take as a right
  • It’s a must to pay advert prices to compensate for misplaced consideration

That’s not even meant as a knock in opposition to corporations that have to monetize. After all they do! They’re companies. However you possibly can’t depend on the phrases remaining the identical. As a result of you aren’t in cost, and the viewers you construct on any platform is just partially your individual.

I’m additionally not arguing that such platforms received’t be worthwhile to you as soon as they modify. META, for example, is now an absolute knowledgeable at taking cash from labels and artists in trade for attain and conversions. I’d nonetheless argue it’s top-of-the-line methods you possibly can spend cash as a musician.

But when ALL your exercise is remoted to a single platform, the dangers to you’re all of the higher, if and when the platform evolves.

Correct music distribution helps restrict these dangers, as a result of your music has already been despatched to many competing platforms. And by extension, meaning you could have already got audiences on these different platforms too.

3. Platforms aren’t eternally

In contrast to diamonds, platforms don’t final.

Consideration shifts. Habits change. Codecs die. Firms merge, or go extinct.

And whereas it might sound absurd to you as we speak to contemplate that (insert your favourite music or social platform) will probably be out of enterprise tomorrow, it’s occurred earlier than. And it’ll occur once more. Again and again.

Music distribution future-proofs you in opposition to this danger. As a result of whereas any distributed catalog will probably go down with the ship on these dimming or useless platforms, who cares? As a result of those self same songs will ALSO be delivered to all the brand new upstarts who stand to interchange the previous giants.


Conclusion

Maintaining your music and your neighborhood engagement restricted to 1 platform might sound like the simplest, most targeted, and even hippest path ahead.

Nevertheless it’s shortsighted.

You need your music to final a very long time, proper? Then don’t depend on ONLY Bandcamp, or SoundCloud, or some other single platform.

Correct music distribution is without doubt one of the greatest methods to outmaneuver these three large challenges talked about above. And fortunately, it’s fairly straightforward as we speak to launch your music the precise means.

Try ReverbNation distribution.

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