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Swiss pension supervisor celebrates cost transparency boost

first_imgSwitzerland’s top pension fund supervisor has hailed an increase in cost transparency that consultancy c-alm laid out in a new study.According to OAK BV, the study, which it commissioned on request of trade union and employer bodies, had concluded that regulations the supervisor issued in 2013 on the disclosure of asset management costs had had the desired effect.“Not only are the regulations being implemented by the pension funds very conscientiously, with a cost transparency ratio of almost 100%, but they have also indirectly promoted the disclosure of investment costs for collective investments,” the commission said.The latter point applied in particular to alternative investments, it added. The supervisor relayed the study’s finding that pension funds’ accounts had become significantly more informative since the adoption of the 2013 regulations.Reported asset management costs now stood at almost 0.5% of pension funds’ investable assets, up from around 0.13% since before the new regime.In its report, c-alm consultants highlighted a slight downward trend in average asset management costs in 2016 and 2017, and a substantial reduction in the dispersion of asset management costs in the total pension fund population.The pension supervisor suggested that, in light of the prevailing investment environment and a shift to more expensive alternative assets, the “investment behaviour of pension funds is increasingly cost-efficient”.According to OAK, the 2013 regulations also had a positive “steering” effect on the country’s pension funds, in that they themselves now attached great importance to the cost transparency of the products they use.The supervisor also reported that the authors of the study had given good marks overall to those responsible for investments at pension funds.Pension fund members benefitted from the pricing advantages large investors could obtain, while below average performance internationally was mainly attributable to significantly lower interest rates in Switzerland, and not to below-average investment performance or to inappropriate investment guidelines.The c-alm consultants also wrote that they saw no need to add to the cost transparency information required to be disclosed, and no need for a shift to a prudent investor rule for Swiss pension funds.The background The regulatory requirements from 2013 implemented rules introduced by the government as part of a structural reform of occupational pensions. In 2011, a survey of asset management costs commissioned by the Swiss social ministry – also carried out by c-alm – had found that the country’s pension funds were grossly underestimating the costs.Before 2013, the only asset management expenses pension funds had to state were those directly charged to the pension fund in connection with the implementation of its investment activity. Costs and fees charged within collective investment schemes as well as part of the transaction costs were disregarded.Since then pension funds have been required to declare a total expense ratio (TER) for each mandate or fund, and to identify details for every provider or vehicle for which a TER was not available.last_img read more

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X-ray tricks cut breast scan dose

first_imgHealthLifestyle X-ray tricks cut breast scan dose by: – October 23, 2012 Sharing is caring! Share Share Tweetcenter_img Share 23 Views   no discussions The image compares a conventional CT scan (l) and a scan with the new approach and 1/25th the doseAn international research team has proposed a way to make high-resolution, 3D images of breast tissue while reducing the delivered X-ray dose.Breast tissue is particularly susceptible to X-ray radiation so 3D scanning is generally not employed.Now a team reporting in Proceedings of the National Academy of Sciences suggests a different form of X-rays and a new image analysis approach. However, new compact X-ray sources are needed to bring the idea to the clinic.Taken together, the two improvements lead to high-resolution 3D images while reducing the delivered dose to just 4% that of standard “computed tomography” scans.A phenomenally successful technique in X-ray scanning over the past half-century, CT scans are made with a number of X-ray images taken from various angles that are analysed to yield a 3D view.The approach is reserved for the imaging of parts of the body for which these multiple X-ray exposures is deemed safe, generally excluding “radiosensitive” breast tissue.Instead, what is known as dual-view mammography is employed, producing two conventional X-ray images of the breast – a methodology that is known to miss 10-20% of tumours.One to watchRecent years have seen growth in the use of what is called phase contrast imaging, which measures not only how much X-ray light gets through tissue, but also in a sense how long it takes to get there. This yields a far clearer picture of subtle changes in density that can show tumours.Now researchers from the US and Germany working at the European Synchrotron Radiation Facility in France have refined the phase contrast approach using what they call equally sloped tomography.The improvement is in the mathematics used to analyse X-ray images – instead of taking a number of images at evenly spaced angles around a sample, EST takes images at irregular angle intervals and uses improved equations to reconstruct the 3D representation.Co-author of the study Paola Coan of Ludwig Maximilians University explained that an analogy of the process is a watch.“Instead of having a hand that measures every second, we have a hand that follows a certain scheme, the first hand movement is 1.2 seconds, then 0.7 then maybe 0.9, but at the end, thanks to EST, we still measure perfectly the minute,” she explained to BBC News. “With this mathematical trick we avoid interpolation and the image looks better – we even need to take fewer radiographs to reconstruct the computed tomography full image.”Testing the approach at the ESRF with a whole mastectomied breast, the team showed that they could acquire images as sharp as those of conventional CT scans using just a quarter of the delivered X-ray dose.But they carried the work further by using the ESRF’s capabilities to run the same test with higher-energy X-rays. Soft tissue is more transparent to these “harder” X-rays and therefore less radiation is absorbed. As members of the team showed in an article in Physics in Medicine and Biology in April, images of a quality comparable to standard CT can be acquired with harder X-rays corresponding to just a sixth the radiation dose.In combination, the techniques result in the resolution of a full CT scan while delivering a dose just 4% as large.“We’ve demonstrated that by combining X-rays at high energy plus this sophisticated CT reconstruction, we’re able to perform a complete CT with high resolution, but with a dose that is much lower than than in conventional CT and potentially… lower than dual-view mammography,” Prof Coan said.“This is an extraordinary result.”However, she added that compact, high-quality X-ray sources capable of the higher-energy regime are still necessary to get the technique established in the clinical setting, a research effort that is underway for a number of industries.BBC Newslast_img read more

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Zanetti shocks Messi: Don’t think about Lautaro Inter won’t let him go

first_img Promoted ContentEver Thought Of Sleeping Next To Celebs? This Guy Will Show You10 Risky Jobs Some Women Do7 Universities In The World With The Highest Market ValueThe Highest Paid Football Players In The World6 Best Natural History Museums In The WorldWho’s The Best Car Manufacturer Of All Time?8 Superfoods For Growing Hair Back And Stimulating Its Growth40 Child Stars Who Look Incredibly Gorgeous As Adults5 Of The World’s Most Unique Theme ParksA Guy Turns Gray Walls And Simple Bricks Into Works Of ArtDisney’s Live-Action Simba Was Based On The Cutest Lion Cub EverCouples Who Celebrated Their Union In A Unique, Unforgettable Way “But I find him happy here with his teammates, he’s having fun. And he gets along very well with [Romelu] Lukaku.” Inter are currently third in the Scudetto battle, nine points behind league leaders Juventus with one game in hand, and Zanetti feels the side have the ‘conditions’ to fight for the top spot with Conte at the helm. “There are many young players here and that’s the strength of this club,” Zanetti added. “The goal is to compete to win and with Conte there are the conditions to do so. read also:Crespo urges Lautaro to ignore Barcelona “We have seen a lot of progress this year FacebookTwitterWhatsAppEmail分享 Inter Vice-President, Javier Zanetti has said Lautaro Martinez ‘can still improve and give us a lot’ and backs Antonio Conte to bring home the Scudetto. One of the ongoing transfer sagas in Italian football links the Argentine 22-year-old with a move to Barcelona, but Zanetti points out how happy he seems at the Giuseppe Meazza. “When we bought him, we knew very well how it would develop,” Zanetti told Christian Vieri in an interview on Instagram Live. “We were waiting for this moment. “He trains well with Conte and can still improve and give us a lot. In this difficult period, we haven’t thought about what will happen.Advertisement Loading… last_img read more

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Serie A sets June 14 deadline in Govt clash

first_imgSerie A clubs have set June 14 as the last possible date to resume games if the season is to be finished, as they battle the Government to get training started earlier than May 18. Italy Prime Minister Giuseppe Conte announced in a press conference on Sunday evening that the country would move into Phase Two of the coronavirus pandemic response from May 4. However, while individual sports like swimming and tennis will be allowed to resume training from that date, team sports have to wait until May 18. The majority of Serie A clubs – except for Brescia – are eager to get going before then and see it as nonsensical, because the rules state from May 4 that players could, for example, go running in a local park keeping a two-meter distance, but not do the exact same thing inside a training ground. To make matters even more confusing, just hours after PM Conte’s statement, Minister for Sport Vincenzo Spadafora contradicted it, insisting the May 18 date for training was not set in stone. Spadafora expanded on that yesterday by suggesting there’s no guarantee the Serie A season will resume at all. “We’ve been working to resume training from May 18, but that doesn’t mean the leagues will start up again.” Now the Lega Serie A has hit back and sources told news agency ANSA that if the games do not resume by June 14, then the season will be called off. Loading… As it takes three to four weeks of training to be ready again after such a long lay-off, May 18 is, therefore, the latest date to start training. read also:Spadafora: ‘Not certain Serie A will resume’ The Lega Serie A could even threaten to sue the Government for financial damages if the lockdown orders force their season to end early and are furious that the latest decree was not what they were expecting or lead to believe was coming. The clubs are fighting to be given the opportunity to train in sports centres while keeping social distancing measures, just as those who take part in individual sports can, from May 4. They argue that the Serie A clubs with the facilities to perform daily swab and blood tests and keep their players in a training retreat isolated from possible contamination should have a very low risk of infection from COVID-19. The Government’s scientific committee considered the medical protocol put forward by the FIGC to be “insufficient” and it will have to be modified, the details of which will be discussed over the next few days. There is another element to be considered, as once the blood tests are performed, we could see that far more have developed antibodies than previously expected and would, therefore, be immune. This is a matter of contention, as the World Health Organisation warned this week that antibodies do not necessarily mean immunity – or rather, it is far too early to know for sure how long that immunity lasts because this virus is so new. FacebookTwitterWhatsAppEmail分享 Promoted ContentSome Impressive And Almost Shocking Robots That Exist6 Ridiculous Health Myths That Are Actually TrueBirds Enjoy Living In A Gallery Space Created For ThemContemplate Life At These 10 Stargazing Locations10 Risky Jobs Some Women Do18 Cities With Neverending Tourist-FlowWho Is The Most Powerful Woman On Earth?The Very Last Bitcoin Will Be Mined Around 2140. Read More7 Worst Things To Do To Your PhoneAwesome And Unusual Staircases From All Over The WorldWhat’s Up With All The Female Remakes?Couples Who Celebrated Their Union In A Unique, Unforgettable Waylast_img read more

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Steven A. Mills

first_imgOn Wednesday, April 29, 2020, Steven Mills, a man known for his infectious smile and a kind and compassionate spirit passed away at the age of 68.Steve was born on September 6, 1951 in Peru, Indiana to Walter and Dorthea (Grepke) Mills.  He graduated from Peru High School in 1969 and went on to receive his B.S. in Education from Ball State University in 1973 and his Masters in Education from Indiana University in 1977. Steve taught 4-6 graders for 39 years in the Greensburg Community School Corporation. His love of students and the excitement he brought to the classroom had a huge impact on many of the young people in the Greensburg community. After retirement Steve worked for Adtec Consulting and Indiana Wesleyan University.On August 11, 1973, Steve married his soulmate and best friend, Linda Reinholt.Besides teaching, Steve had many passions. His passion for music led him to be a hand bell ringer/director and a guitar student.  His artistic talents were evident to everyone who were lucky enough to receive a handmade basket. Steve loved the great outdoors and traveling to National Parks and Disney World.  Steve’s travels in the fall centered around Lucas Oil Stadium for Colts football games which he enjoyed with his nephew Ryan.Steve was proceeded in death by his father, Walt, his mother Dorothea, and his two sisters Judy Smith and Shirley Romine. He is survived by his wife Linda, his brother Bill Mills of Arkansas, sister-in-law Laura Eller and her husband Dan of Lowell, nephews Ryan and Jon Eller, Greg Romine, Marvin Harris, Bill Mills Jr. and nieces Pam Praether, Beth Whetestone, and Nancy Daniels. Steve is also survived by his two furry friends Peyton and Eli.A drive thru visitation will be Saturday, May 2, 2020 from 11am – 1pm under the Meyers Funeral Home side car port with private funeral services at 1:30pm. Burial immediately following at the United Methodist Cemetery where family and friends are welcome to ride in procession from the funeral home to the cemetery for a socially distanced graveside service.Memorials can be made to Batesville United Methodist Church or the American Cancer Society by dropping off or mailing to Meyers Funeral Home, P.O. Box 202, Batesville, IN 47006.To attend the drive thru visitation under the side car port, enter the funeral home parking lot off of Township Line Road, using the entrance behind the funeral home.  Please follow the markers and traffic to circle through the parking lot.  All traffic will exit onto St. Rd. 46. You must remain in your vehicle during your entire visit. We appreciate your patience with this new concept. This way we can follow state mandated guidelines while allowing families and friends the opportunity to offer condolences in person during these trying times.We also encourage you to leave a message at www.meyersfuneralhomes.com on Steve’s obituary page for the family in the online guestbook or send a card to using the link on the page.last_img read more

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ATP rankings: Nadal reclaims No 1 spot

first_imgRelatedPosts Djokovic clinches fifth Italian Open title Djokovic zooms to 10th Italian Open final Djokovic fined $10,000 for ‘unsportsmanlike conduct’ Rafael Nadal is back at the top of the ATP rankings, regaining the No. 1 spot for the first time since November 2018.The 33-year-old Spaniard has become the second-oldest No. 1 player. Roger Federer led the rankings at the age of 36 last year.Nadal has been No. 1 for 197 weeks through eight different stints at the top. Federer leads the all-time list with 310 weeks.Federer stayed third in the rankings, behind Novak Djokovic and ahead of Daniil Medvedev.Nadal has a 51-6 record and has won four titles this season, including the French Open and the US Open. He also reached the Australian Open final.He is looking to seal the year-end top ranking for the fifth time.Tags: Novak DjokovicRafael Nadallast_img read more

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WPB Coronavirus Testing Site Ravaged by Rough Weather

first_imgWEST PALM BEACH, Fla. — If you had an appointment for a COVID-19 test Monday morning in West Palm Beach, mother nature has changed the schedule.The coronavirus testing site located at Ballpark of the Palm Beaches was damaged during heavy thunderstorms that passed over South Florida on Sunday.The Health Care District of Palm Beach County is asking all patients who scheduled testing appointments between 8 a.m. and 10 a.m. Monday to arrive at the test site any time between 10 a.m. and 2 p.m. instead.This allows time for staff to clean up the damage and prepare the site for residents to drive through.The test site is located at 5444 Haverhill Road in West Palm Beach.last_img read more

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Texas ousts Maine women’s basketball team from NCAA Tournament

first_imgELLSWORTH — The University of Maine women’s basketball team was eliminated from the NCAA Tournament on Saturday after an 83-54 loss to the second-seeded Texas Longhorns in Austin, Texas.Texas jumped on the No. 15 seed Black Bears early and often to roll to a 23-8 lead after the first quarter before extending its advantage to 45-18 at halftime. The Longhorns (27-6) led Maine by as many as 35 points in the third quarter en route to the first-round regional win.Tanesha Sutton led Maine (23-10) in points and assists with with 16 and three, respectively. Canadian national Julie Brosseau added 11 points for the Black Bears, and freshman Fanny Wadling had a team-high three rebounds.Despite the loss, the Black Bears will be in good shape to repeat as America East champions and return to the NCAA Tournament next year. The team will return all five of its starters barring transfers, and only one player on the roster is set to graduate.This is placeholder textThis is placeholder textThe tournament appearance marked Maine’s first since 2004. The Black Bears have only one appearance in the second round, which came when the team upset seventh-seeded Stanford in 1999.last_img read more

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The ‘Beautiful Game’ needs urgent dialogue and compromise

first_img…another FIFA intervention will be suspensionBy: Ras WadadaTHE current stalemate existing within the ‘Elite family’ of the Guyana Football Federation (GFF) is in need of immediate dialogue and without a doubt, some compromising among the chief stakeholders of the ‘Beautiful Game’ before it gets real ugly.It is not a year as yet since the present GFF’s executives were elected to govern the sport after just over one year of a FIFA appointed Normalization Committee’s (NC) reign.The narrow victory by Wayne Forde’s Team Integrity over Team Unity, in what is considered the most fairly contested elections in the history of the GFF, was disappointing and a bitter taste to some that perhaps still lingers. This might very well be the root cause of this current imbroglio.The sport of football, like any other sport, is governed by and must be guided by its rules and regulations without partiality. No one should be above the rules or the Sport, but here in Guyana we have inherited a culture of self-satisfaction and very little regard for guidelines.Since assuming office, it is obvious that this present Executive is striving to change that kind of mentality in order to bring the ‘Beautiful Game’ to a quality and marketable product that is well respected and supported.I often say whatever we do off the pitch can be mirrored by an on-field action and in this instance it is reflective of a game situation where the two sides think the Referee has made a wrong call that can perhaps determine the outcome of the game. In the real game scenario,the two sides will respect the referee’s decision and continue playing for the ‘good of the game’. Of course there have been very few occasions where either side or both would ignore the referee’s judgement call;thereby bringing the game into disrepute.At this juncture,Guyana can ill-afford the latter because it will mean an instant two year suspension and all parties will feel it since a lot of money have been invested by teams. More importantly, the long awaited GOAL project, which has just begun, will be halted and the big increase of FIFA’s annual grant we will not have access to.In this off-the-pitch game, the Constitution of the GFF is the referee,and it must be respected as we ‘bury the hatchet’ for the ’good of the game’; and in a positive spirit of the Game we move forward and not backward.There must be urgent dialogue and compromise if we truly love the “Beautiful Game,’ and do mean well for the family.last_img read more

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RHTY&SC continues to invest heavily in the education sector

first_imgSINCE its formation in 1990, the Rose Hall Town Youth & Sports Club has placed special emphasis on the importance of education by investing heavily to assist students to fulfil their educational goals.To this end, the club assisted one drop-out youth and 12 students of the Rose Hall Town Nursery School.The club’s assistant secretary/CEO, Simon Naidu, stated that the main agenda for Guyana’s leading youth and sports organisation in 2019 is the promotion of its highly successful ‘Say No/Say Yes’ Campaign which targets all youths in Berbice.The 10 cricket teams recently donated financially to 18-year-old Govindan Sahadeo of Port Mourant to assist him to fulfil his dream of writing several subjects at the CSEC Level.Sahadeo was forced to leave school due to the ill-health of his father; he had to work and take care of his younger siblings. Today, he wants to complete his education with the objective to join the medical profession.Naidu, in handing over the $20,000 cheque, praised the employee of the Port Mourant hospital for having the courage to complete his education and stated that the RHTY&SC was willing to assist in the future. Sahadeo expressed gratitude to the club.The teams also handed over $50,000 worth of educational materials to the management of the Rose Hall Town Nursery School.The much-needed items would be donated to 12 students of the school based on discipline, attitude and the financial income of their parents.Additionally, RHTY&SC and the teams donated over $100,000 worth of trophies, medals and prizes to several schools across Berbice on requests for upcoming graduation and fund-raising events.Naidu stated that the club would continue to invest in youths and disclosed that a major sponsorship would soon be unveiled for the Say No/Say Yes Campaign.last_img read more

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