We must always remember anyone suffering an insurance claim in their home, their safe place, that requires them to move out will feel vulnerable. One thing that I hope doesn’t change is the customer service aspect to claims. I hope that the gender pay gap is no longer in existence and I hope to see many more women in senior roles. I haven’t even thought about retiring! However, I suspect that if the current pace of rate of change continues or is accelerated the Home Insurance Industry will be a very different entity to the one I joined back in 2004. – I know that this is certainly something that ICAB are currently working on alongside our insurer partners. Over the next 5 years, I would expect it to become more technologically advanced and make the customer journey more digitalised and interactive. However I think over the last few years it has changed, with COVID -19 playing its part in the rate of change. ![]() The insurance industry has always been percieved at as old fashioned and ‘behind the curve’ especially where technology is concerned.
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Importantly, ALC not only reduces the fluctuation in metapopulation sizes, but also the global extinction probability. Moreover, ALC is effective even when the subpopulations have high extinction rates: conditions under which another control algorithm had previously failed to attain stability. We also show that ALC can stabilize metapopulations even when applied to as low as one-tenth of the total number of subpopulations. We show that at high migration rates, application of ALC does not require a priori information about the population growth rates. Here, we present a detailed numerical investigation of the effects of ALC on the fluctuations and persistence of metapopulations. This strategy, called the Adaptive Limiter Control (ALC), has been previously shown to increase constancy and persistence of laboratory populations and metapopulations of Drosophila melanogaster. Here, we investigate a control strategy, which works by perturbing the population size, and is robust to reasonable amounts of noise and extinction probability. Moreover, real populations are often noisy and extinction-prone, which can sometimes render such methods ineffective. This is because such methods typically require detailed knowledge of system specific parameters and the ability to manipulate them in real time conditions often not met by most real populations. Unfortunately, most methods proposed to reduce the fluctuations in chaotic systems are not applicable to real, biological populations. ![]() Stabilizing the dynamics of complex, non-linear systems is a major concern across several scientific disciplines including ecology and conservation biology. Note that although there is an overall decrease in metapopulation FI, the trends and magnitude of decrease are different. b) Metapopulation stability when three subpopulations are perturbed but in different arrangements. However, perturbing too many subpopulations leads to a lesser reduction in global FI. ALC was able to stabilize metapopulations in general, even when applied in only 1/9 subpopulations. a) Metapopulation stability for different number of perturbed subpopulations (identity of subpopulations in bracket) at different values of c. Each point is a mean of 100 independent simulations and error bars denote the corresponding SEM. All other conditions were similar to the 1-D migrations. The migration rate, initial population size, r, and K were 0.3, 20, 3.5 and 30 respectively. With periodic boundary conditions, the subpopulations thus inhabit the surface of a 3-D torus. Thus, subpopulation #5 exchanged migrants with subpopulation # 2,8,6,4 and so on. Each subpopulation exchanged migrants with four neighbours (above, below, right and left). ![]() The inset gives the identity of the individual subpopulations. In these simulations, the 9 subpopulations were arranged on a 3×3 2-D lattice with periodic boundary conditions for migration. Figure S3: FI of 9-patch 2-D metapopulations for different ALC magnitude ( c ). ![]() It also came to us from the Latin language and literally translates as "live for today" or "seize the moment." “I’m chomping at the bit to get going with it.Another popular expression, somewhat similar in theme to Memento Mori, is Carpe Diem. “The chance to work with a new vineyard is so exciting,” says Kaplan, who also makes the wines for Arkenstone, Vida Valiente, Vangone and his own Maxem label. Kaplan also plans to plant a third block on the site, which features volcanic soils marked with cobblestones and fine gravel. The Stonescape fruit had gone to Harlan Estate, among others along the way, but starting with the 2023 vintage, it will be kept for its own dedicated bottling (likely around 500 cases). Kaplan is already working to convert the existing parcels to organic farming practices, working with vineyard manager Jim Barbour. A second block, planted by Mike Wolf in 2014, employs the aromatic and expressive Clone 169. The new estate’s vineyards include a block planted in 2001 to the Cabernet Sauvignon Clone 4, which is classically structured and has a prominent cassis profile. The former Stonescape vineyard encompasses two blocks planted to different clones of Cabernet Sauvignon the Memento Mori team will plant a third block. There is a flagship red made from a blend of the sites, along with small lots of individual vineyard bottlings. Crane and Beckstoffer Las Piedras, along with Oakville Ranch, Vine Hill Ranch and Weitz. ![]() Memento Mori’s production currently stands at 2,000 cases, sourcing grapes from some of Napa’s highest-profile vineyards, such as Beckstoffer Dr. It’s a culmination of our journey since we started together.” So having our own estate for Memento Mori is so exciting for us. “When you’re buying grapes, you never know when and if you might lose your source for any number of reasons. “We have some upgrading to do, but it’s a great base to build on,” says Kaplan, 47, who has been with the project since it started in 2010. Obtaining the estate in the currently overheated Napa Valley real estate market was a coup in and of itself: The property had only been listed for a day before the deal was struck. (The wines are currently made at the Arkenstone facility on Howell Mountain). The team also plans to add a small winery and hospitality facility. Kaplan-along with owners Hayes Drumwright, Adam Craun and Adriel Lares-will add some new plantings to bring the vineyard up to nearly 5 acres. The purchase was completed at the end of 2022. Unlike many hillside caves in Napa, this one was originally built to house an art collection in temperature-controlled conditions, not wine. Also on the property is a 5,750-square-foot hydro-heated cave built specifically to house fine art. The 2020 wildfires took one of the houses, but the second still stands. They renovated the two original houses on the site and put in vines by 2001. The property dates to the 1880s and had been purchased by the Stones in 1991. The 17-acre property on Azalea Springs Way, at the base of Diamond Mountain and a neighbor to Checkerboard Vineyards, was formerly owned by Norman and Norah Stone, a wealthy San Francisco–based couple with a prominent art collection. With the purchase of the former Stonescape estate in Calistoga, this new star among boutique Cabernet producers is following a similar path in trying to set itself up for a generational run. A first-generation, family-owned operation doubling down to help build its legacy, Favia offers a resounding “glass half full” view.įollowing close behind is the news that Memento Mori’s founders, along with winemaker Sam Kaplan, have decided to create their own permanent home. The recent news that Andy Erickson and Annie Favia secured a new spot to build an estate for their Favia project is case in point. It depends how you see the wineglass, as an optimist or a pessimist. Yet at the same time, hundreds of small wineries continue to drive the valley’s quality and diversity. With each large corporate entity buying a prominent Napa winery comes the grumbles and complaints of those who think the valley is losing its sense of soul and place. 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![]() In Uganda, delays in teaching and learning of Kiswahili in primary schools have been experienced since their establishment in the education systems in the 1920s. Lastly, we propose possible procedures for adopting the Kiswahili alphabet into the 2008 syllabus, as a way of facilitating the teaching and learning of standard Kiswahili mainly in Uganda's lower secondary schools. Thereafter, we examine the alphabet of standard Kiswahili. Then, we analyse the aims of teaching Kiswahili as established in the 2008 syllabus. Using perspectives on document analysis to constitute its methodology, in this theoretical paper, we first provide a general overview of the grammatical syllabi as a framework for teaching and learning FLs, drawing specific examples from the 2008 syllabus. ![]() Pedagogically, this situation appears to contrast with, for example, the advanced scientific suggestions that the learning of the alphabet should be among the initial topics in grammatical syllabi and subsequently, in the FL classrooms' activities. ![]() It should be noted that, while the teaching of standard Kiswahili is among the aims postulated in the 2008 syllabus, information and topics regarding, for example, the alphabet of standard Kiswahili are missing in this syllabus. Nonetheless, in 2008, the government of Uganda launched the existing grammatical syllabus (hereafter, 2008 syllabus). In this phase, Kiswahili had been taught for many years without an authorised syllabus. Formally, the teaching of Kiswahili begins in the lower secondary phase. Kiswahili is a foreign language (FL) in Uganda. It will also return scalar values or NULL for certain scalar values, such as simple strings, "true", "false", and "null". ![]() Normally, json_decode() will return an object of \stdClass if the top level item in the JSON object is a dictionary or an indexed array if the JSON object is an array. The json_decode() function takes a JSON-encoded string as its first parameter and parses it into a PHP variable.
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