![]() ![]() Similarly, companies that decreased or held steady their budget for email education, conferences, and other training had an email marketing ROI of 40:1 versus 35:1 among companies that increased such spending. In our CMO’s Guide to Email Marketing ROI, we analyze email programs and ROI figures from hundreds of brands to examine which factors correlate with high email marketing returns-and which don’t-and provide actionable advice on how you can help your team see measurable ROI improvements, faster. In contrast, companies that increased their spending on such tools had an ROI of 36:1. When looking at the email marketing budget changes for 2018, companies that decreased or kept their budget flat for email building, testing, analytics, and other tools had an email marketing ROI of 39:1 on average. Rather than high ROIs prompting more investments in email marketing, they appear to generally have the opposite effect. Part of the reason that isn’t happening may be because… The ROI for email marketing is so high it often dampens additional investments. In doing so, they’ve be driving their absolute returns through the roof. They make the point that, given the high returns, companies should be investing so much more in their programs that they drive their rates of return down to sane levels like 20:1 or even lower. Some have argued that email marketing’s high ROIs are a sign of industry-wide mismanagement. However, even among sophisticated programs, the ROI for email marketing is shockingly high. Who cares if the next $500,000 investment you make in your email program generates a 38:1 ROI instead of a 40:1? That’s still so much better than you can make on just about anything else. The more sophisticated programs show a clear shift in focus from maximizing return rates to maximizing overall returns, which is what you want from a business standpoint. And sophisticated email marketing programs reported an ROI of 38:1. Programs of average sophistication reported an ROI of 40:1. Marketers who described their email marketing programs as unsophisticated reported an email marketing ROI of 44:1 on average. Indeed, our research confirms this when we looked at email marketing programs in terms of sophistication. However, while high rates of return are great, most businesses care much more about absolute returns. Brands that describe their email marketing programs as successful report generating an average email marketing ROI of 42:1, while average email programs report a ROI of 37:1. Marketers clearly identify high email marketing ROIs with success. ![]() Here’s why… A high ROI for email marketing shouldn’t be the goal. This high ROI misleads marketers and gives them false comfort. By most measures, the ROI for email marketing is roughly twice that of other digital channels-if not better-and blows away the returns seen with traditional media channels like TV, radio, and direct mail. That’s a ringing endorsement of email’s acceptance among consumers, its targeting and personalization capabilities, and its business utility. That’s both good news and bad news… The good news is… Enterprise Plan Boost collaboration and drive resultsĮmail marketing’s return on investment is 38:1 on average, according to a Litmus survey of 372 marketers worldwide.Litmus Plus Automate testing to ensure quality.Litmus Basic Build error-free, effective emails quickly.All Plans See solutions for companies of all sizes. ![]()
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![]() With the addition of the progress of IT innovations such as fintech and AI, consumer finance companies now provide services and credit that better meet the needs of consumers, such as card-less transactions at convenience stores, which did not exist in conventional consumer finance, and loans based on more accurate credit scores. (l) Home mortgage loan means a closed-end mortgage loan or an open-end line of credit as these terms are defined under 1003.2 of this title and that is not an. In recent years, online applications have come to account for a majority of applications due to substantial changes in the Internet environment, urging consumer finance companies to focus on creating a more efficient web environment by developing smartphone apps and improving the usability of their websites. 1.1.1 Consumer Finance Defined in Theoretical and Practical Research Abroad. Large consumer finance companies, in particular, expanded their market through constant innovation, such as developing a scoring system (automated credit screening system), increasing channels to attract customers by introducing automated contract machines and unmanned stores, and enhancing CD/ATM networks through partnerships with financial institutions, while building their unique know-how in areas ranging from lending to credit management. While banks and other financial institutions specialized in large corporate loans, consumer finance companies expanded their business by concentrating their managerial resources into small unsecured loans for individuals and expanding services that met customer needs. ![]() Such changes triggered the emergence of consumer financing companies born in the early 1960s, prompting the shift to consumer finance, which provides loans using “personal credit” as collateral. consumer finance markets that may fit the definition of large. ![]() However, social and economic changes such as an increase in national income, improved living standards, and the transition to a mass consumption society backed by mass production following the high economic growth of the postwar period gave birth to new needs. consumer finance markets, with their entry accelerating an evolution in consumer financial. (1) Consumer means an individual who obtains or has obtained a financial product or service from you that is to be used primarily for personal, family, or. The making of unsecured consumer loans (consumer finance) is defined as “a business of lending money for the liabilities of goods and services consumed individually by a consumer, backed by the consumer’s credit as collateral.”īefore and shortly after WWII, loans to consumers were mainly provided by pawnshops, which used goods as collateral. ![]() ![]() ![]() The only brother, Hiroshi, is in charge to satisfy all these woman sexual desires. I’m in Charge of Dealing With My Six Sisters and My Mother When They’re Horny!Ī household with 6 sisters + 1 brother, a mom and no husband. The Sex acts :tit.fondling fingering cunningulus handjob blowjob missionary cowgirl doggy style mmf threesome double.handjob double.blowjob bdsm rope.bondage ![]() When he meets the man again, Hitomi recalls the taste of bondage, the happy family is wrapped in disturbing air, and the pleasure imprinted with the rope ties the married woman to pleasure! The feel of a rope that I still can’t forget. Hitomi’s first real bondage work appeared! Hitomi was once trained in bondage by his lover. Breaking In A Busty Married Woman With S&M ~Hot Wife Cheats With Her Bondage Instructor~ Hitomi Tanaka Lust To See A Sister Masturbating In A Sailor Suit Worn For Several Years … Brother Demanded Various Sexual Acts And Met Sexual Desire … Sister’s Huge Breasts Seemingly! K Cup 119cm Hana Get A Prize If You Can Fire With Your Friends And Intercrural Experience With One Lap Separated By School Girls Only! ! Still Growing! Natural Tits K Cup Pichi Pichi Sensual Full Course Koume Ena ![]() Overtime Office Sex With Two Young Men And Women Absolutely Beautiful Girl Normal Etch That I Can Not Stand If I Take Off My Pants Completely Take Down 9 Cute Amateurs At The Highest Level Ever And Permanently Save! Zuppori Unequaled Piston Dildo Masturbation 2 Female Teacher Strong03 Beautiful Teacher After School Despite The Fact That The Customer’s Servant Is Ridiculous And Super Stupid … The Moment She Became Two People In The Fitting Room, If She Showed Off The Big Erection, She Was Excited By The Female Face Completely With Her Eyes Open And Defenseless Exposed Female Clerk “Customer … It’s A Secret” ![]() ![]() ![]() All numerical rankings should be taken with a grain of salt.We encourage, however, interested parties to perform their own analyses using other sources. GitHub and Stack Overflow are used here first because of their size and second because of their public exposure of the data necessary for the analysis. There are many potential communities that could be surveyed for this analysis.They are nothing more or less than an examination of the correlation between two populations we believe to be predictive of future use, hence their value. No claims are made here that these rankings are representative of general usage more broadly.To be included in this analysis, a language must be observable within both GitHub and Stack Overflow.The article by Stephen O’Grady reads: “The idea is not to offer a statistically valid representation of current usage, but rather to correlate language discussion (Stack Overflow) and usage (GitHub) in an effort to extract insights into potential future adoption trends.” But it's more popular that most of the frameworks you mentioned.Looking a how popular a programming language is on Stack Overflow and the popularity of those same languages on GitHub allows for a analysis of what languages are most popular. OpenXava exists since 2005, it's in SourceForge and has a business model, so it's not cool, I know. Here the list of LinkedIn profiles including the framework:Īgain that OpenXava is in the 4th position. Note that OpenXava is in the 4th position. I exclude Spring, Spark and Play, the most popular ones.įirst, the Alexa Rank for the framework sites: I would like to present some data to show that OpenXava is as popular as the ones presented above. On the other hand, if Fintan Ryan does not know the framework it just does not exist. I'm the OpenXava project lead and, of course, I think it deserves be included in any Java Framework list. Several new initiatives surrounding this effort are expected to be announced at the JavaOne conference next week. They've committed to a revamped Java EE 8 for the cloud. If Java EE were an open source project on GitHub, how would it stack up against these frameworks? It'll be interesting to see how Oracle tries to regain framework relevancy with Java EE 8. servlets) for many of the frameworks in this study. However, Oracle's Java EE does provide the infrastructure (e.g. Notably missing from this list is Oracle. Of the open source Java frameworks, the most popular ones are developed by Pivotal, Lightbend, Red Hat and the open source community. This is because they employ the project's lead engineers.īeneath this facade of glitzy charts lies a modest interior with not many surprises. It's also interesting to see that Sony Mobile sponsors most of the Spark Java work. Netty is particularly interesting in that it had lots of commits from Twitter in 20.Īnd most of its issues come from Apple (due to a single contributor). He conducted the rest of his analysis on these frameworks, looking at GitHub stats, community and commercial contributions, support and licensing. The top, most popular tier consists of Spring, Play, Netty, Spring Boot, Vert.x, Dropwizard and Spark Java. The figure below shows all the frameworks included in this study. Ryan started with the 15 most popular Java framework projects and found a clear divide between two tiers. After completing an in-depth research study on GitHub stars, issues, commits and Twitter followers, Ryan concludes: Spring still dominates, Spring Boot is on an exponential curve, Netty and Play continue to grow strongly. ![]() Redmonk Analyst Fintan Ryan recently published his findings on framework popularity in Java. ![]() ![]() ![]() Later, head to neon-drenched Misuta Chow's, and you’ll find your misconceptions about Buffalonian food blown to bits. While the food vendors are the standouts here, there are also retail vendors bringing you clothing, accessories, jewelry, and skincare from around the world. This one-stop culinary experience will satiate your craving for all sorts of international meals, from Thai and Burmese street eats and Mexican fare to sushi and Ethiopian mainstays. Begin by expanding your mind (and your stomach) at the West Side Bazaar, a sprawling indoor market on Grant Street focused on supporting small upstarts and immigrant communities. This unique setting features various amenities, including remote-controlled zoned sound, changeable up lights, a rear projector screen and more.Believe it or not, Buffalo isn’t all wings and beef on weck. Lined with classic columns, elegant windows and stunning 40-foot ceilings, The Admiral Room once served as the headquarters for Marine Midland Trust Bank. This 22,000 square foot venue has been fully reimagined to serve as a sports, entertainment and commercial complex. Originally established in 1917 as a color plant, The Powerhouse stays true to its industrial roots. Beyond this unmatched sight, Seneca One also features a 250-seat theater and breakout rooms of various sizes.Ĭomplete with floor to ceiling windows, outdoor patios and elaborate masonry, The Powerhouse is a premier event space. Seneca One is a 40-story multi-use space that offers top-floor meeting options with 360-degree views of the city. Looking for a venue that will wow? If so, Buffalo delivers. The Ellicott Square Building can accommodate sit-down dinners, cocktail parties and more in this fully customizable space. ![]() ![]() This ornate Italian-Renaissance-style structure dates to 1896 and features a spacious central court lobby complete with a glass roof and rare marble tile floors. If historical charm piques your interest, The Ellicott Square Building was once the largest office building in the world. Shea’s Seneca also offers complimentary audio and video technology, Wi-Fi and more. This facility includes a stunning ballroom with thirty-five-foot gilded ceilings, an outdoor patio area, a contemporary seating room and a concession counter turned intimate bar space. Originally built in 1920, Shea’s Seneca Banquets and Events has been transformed into a multi-use space. In Buffalo, you’ll also discover sites with breathtaking historical charm. Outside, you’ll find an Urban Air ropes course, four ziplines, an amusement park and a brewery retrofitted into a grain silo. Its 60,000 square foot main building includes four bars, a restaurant, a concessions area, an axe-throwing facility and the world’s first permanent flat track roller derby path. This eclectic art, entertainment and concert site features both indoor and outdoor event spaces. ![]() Both spaces are equipped with state-of-the-art sound systems, opening the door for a wide range of events.īuffalo Riverworks is a venue with a little bit of everything. Nestled in Buffalo’s theater district, Babeville prides itself on being “not just one venue, but many.” This 19 th century Gothic Revival-style church has been converted into an expansive open-floor hall with balcony seating and an intimate basement bar. Buffalo is waiting for you! Unconventional spaces If you’re searching for a setting that will wow, you don’t want to miss what we have in store. From venues with unconventional quirks to spaces with undeniable charm, the Buffalo Niagara region has the perfect meeting facility for you. If you’re looking for a one-of-a-kind space, you’ll find it in Buffalo. Meeting Venues Unique Meeting Venues in Buffalo ![]() ![]() ![]() Animated backgrounds with 3d digital effect, clouds and landscape. Monitor 8 different scenes and easily cue or transition to any of them with merely a single or double click. 3d pixel wallpapers features pixel live wallpaper to personalize your phone. Get a high level view of your production using the Multiview.Adjust your scenes and sources or create new ones and ensure they're perfect before your viewers ever see them. Latest Videos 1920x1080 234 Views 2 Votes Pixel Art Pixel Room Rainy Night Live Wallpaper 1920x1080 2.6k Views 13 Votes Pixel Art Lofi Rain Flower Field Pixel Live Wallpaper 1920x1080 9. Studio Mode lets you preview your scenes and sources before pushing them live. Here are listed 120 Pixel Art Hight Quality Live Wallpapers, HD Animated Wallpapers.Set hotkeys for nearly every sort of action, such as switching between scenes, starting/stopping streams or recordings, muting audio sources, push to talk, and more. A lot of Pixel 2 software features have been ported over to older devices recently, and in the latest release, Googles new 'live wallpapers' have been made available to download on.Choose from a number of different and customizable transitions for when you switch between your scenes or add your own stinger video files. ![]() You can even pop out each individual Dock to its own window.
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![]() ![]() Focus on your breathing first, then move your awareness to what it feels like to be in your body, and finally move on to your thoughts.īe aware of what comes into your head, but resist the urge to label or judge these thoughts. To begin, sit or lie down in a comfortable position and try to let all tension in your body dissipate. This exercise is a staple of mindfulness, designed to simply enhance your awareness of your own thoughts. This exercise may help you discover new experiences with familiar foods. Notice the taste and its texture against your tongue. ![]() Once you have noticed the texture, the weight, the color, etc., bring your awareness to the smell.įinally, move on to eating, but do so slowly and with concentrated attention. Pay attention to what you are holding, notice the feeling of it in your hands. Mindful Eating for Four MinutesĪs with the raisin exercise described above, this exercise calls for mindful eating. ![]() This will bring you into the present and align your thoughts with your current experience. ![]() Notice the colors, the shape, the texture, and the patterns. Pick up a leaf, hold it in your hand, and give it your full attention for five minutes. This exercise calls for nothing but a leaf and your attention. These five exercises are quick and easy and can be put into practice every day. Let’s take a look at a few easily applicable examples.ĥ Simple Mindfulness Exercises from Dialectical Behavioural Therapy Individuals in this study who received DBTM training, in addition to the usual treatment, had enhanced benefits compared to the group who received only the usual psychiatric treatment: the more minutes an individual spent practicing mindfulness, the greater the improvements in psychiatric symptoms (Soler et al., 2012).ĭBT clearly has something to teach us all in its application of a wide range of mindfulness techniques and exercises. The clients were also taken through a series of other mindfulness interventions including mindful breathing, the body scan, and other simple awareness practices. Be effective, or keep their focus on their goals regardless of their current mood (Soler et al., 2012).Focus on one thing at a time and learn to bring their attention back to the target when they go off course.Learn to have experiences in a non-evaluative and non-judgmental manner.This set of skills is intended to help clients: The “how” skills relate to the goal of teaching clients how to observe, describe, and participate in their own experience. Becoming aware of their own thoughts and grounded in the present forms the foundation for the next set of “how” skills. These skills allow the client to be aware of what is happening to them and of their part in their own experience. Be fully present in the moment and in their actions without feeling self-conscious.Describe their experience using a verbal label.This first set of skills is meant to help the client learn how to: A module on mindfulness was developed to help clients achieve the “wise mind,” and focused on two sets of skills-the “what” skills and the “how” skills (Soler et al., 2012). In one study, Dialectical Behavioral Therapy-Mindfulness (DBTM) training was added to general psychiatric treatment to test its effectiveness. The Effectiveness of Dialectical Behavioural Therapy-Mindfulness Mindfulness is a core skill taught in DBT, as it helps clients gain awareness of their own thoughts and feelings (Jennings & Apsche, 2014). Next, DBT therapists aim to correct the behaviors that interfere with the client’s quality of life, including non-productive relationship behaviors, communication problems, and bad financial decision-making.Second, therapists aim to eliminate the behaviors that interfere with therapy, such as refusal to strive for the goals of DBT, missing sessions, etc.The first priority for DBT treatment is to target the life-threatening behaviors that often manifest in people with severe mental health problems.Introducing Dialectical Behavioral Therapy (DBT)ĭialectical Behavioral Therapy (or DBT) is a type of cognitive-behavioral therapy that is mainly used to treat individuals with borderline personality disorders.ĭialectical Behavioral Therapy is characterized by the following steps: ![]() ![]() ![]() For this reason, installing a newer version alongside V9 may cause temporary loss of access to V9 plugins on systems that support both versions.To run V9 side by side with a newer version, please install version 9.92. Software versions earlier than 9.92 cannot co-exist with software versions above V10.If you experience unusually high CPU consumption from Waves Plugins V14 and above while using a non-Intel CPU and Windows, learn how to enable MKL optimization to improve CPU performance.Windows 10 64 bit (Pre-2004) is not supported with software version 14.0.RAM: Grand Rhapsody’s & Bass Finger’s minimal RAM required is 16 GB (and not 8GB, as generally described for all plugins).Specific information available on each instrument’s page. Waves Instruments: Additional disk-space may be required for sample libraries.COSMOS Sample Finder & StudioRack: Intel processors must be Gen 5 or above and support AVX.AMD processors lower than Ryzen 9 are not supported.Supported on Intel processors Gen 6 and above.Intel Xeon processors are not supported.Mac: Intel Xeon-E processors are not supported Clarity Vx / Pro and Clarity Vx DeReverb / Pro:.Operating systems installed on external hard drives are not tested and may not be fully functional with our software. ![]() Waves Plugins and applications are supported and tested on operating systems installed on the built-in system hard drive.If you experience unusually high CPU consumption from Waves Plugins V14 and above while using a non-Intel CPU on Windows, learn how to enable MKL optimization to improve CPU performance.Recommended screen resolution for Flow Motion, Bass Slapper and Bass Fingers: 1920x1080. Screen Resolution: SSL E-Channel, SSL G-Channel, Element, Codex, Dorrough, Flow Motion, Bass Slapper and Bass Fingers require minimum screen resolution 1280x1024 / 1600x1024.Waves plugins are officially supported on up to two screens in third-party DAWs and host applications.To check if a plugin exists in an older version, scroll to the bottom of the older version's download page.Multiple versions of Waves plugins (for example v13 and v14) should be able to work on the same system (as long the system supports each of those versions)-but please note that we no longer test or officially support this scenario.Current version licenses will activate older version software (V9 and above), if the product/s in question exists in this software version.Windows 10 64 bit (Pre-21H2) is not supported with software version 14.Mac models without ‘Metal’ support are not supported with V14.These specs are for software version 14. ![]() ![]() There was a movie called “The Last Descent” based on what Jones went through the 2 days he was trapped in that tight whole. Now it was to see who could recover “John Jones” body but no one ever could so they closed it down and closed the entrance of the Nutty Putty cave forever sealing it with cement and placing a plague saying “Jones” lies here because it was considered a grave site. His brother, Josh Jones, left his brother there and went to go get help after waiting the rescue teams came a lot of them couldn’t figure out how to get Jones out because how deep he was and 2 days started going by and John Jones started dying slowly because his blood started going to his heart and lungs being forward for so long. John Jones Plague that covers Nutty Putty’s entrance “The group split into two groups with many children and some adults staying behind in the less treacherous “big slide” area while some others went looking for an adventure in the more advanced parts of the cave, said 23 year old “ Josh Jones ”, his brother who was with the group and he told the story about how his brother wanted to be more adventures”. He got stuck 700 feet into the cave and is now about 150 feet underground, said a police officer that was there during the rescue”. Jones was wedged in a narrow part of the cave called “Bob’s Push” “Jones, a medical student at the University of Virginia, he was with a group of 11 people who went into the narrow entrance to the cave, which is a hole on top of a hill. The way he was wedged was causing circulation problems. ![]() Jones got lodged in a cave known as Nutty Putty while spelunking with a group in the Goshen Valley. John Jones, a 26-year old, became trapped upside down in a tight spot in a Utah cave for more than two days. It’s extremely important to know the dangers of going into a cave. ![]() |
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