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Increases Hit Hard.

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first_imgWhile many Georgians celebrate the news of low increases in food prices, some Georgians will still struggle.University of Georgia experts with the College of Agricultural and Environmental Sciences forecasted this week that food prices will rise only 2 to 2.5 percent this year. While that’s good news for most consumers, for farmers and low-income Georgians the news isn’t so good.The low increase is greatly due to surplus supplies of food, which lowers prices for farmers, but not for consumers.”Food prices would be more effected by farm prices if consumers wanted more fresh food,” said Bill Thomas, an agricultural economist with the UGA College of Agricultural and Environmental Sciences. “But people no longer want fresh produce. They want it cut up, seasoned, freeze-dried, pre-packaged and ready to cook. That costs more money.”Farmers only make 23 cents of each dollar charged for food. “The rest,” Thomas said, “goes toward paying for advertising, packaging, transportation, labor and other preparation costs.”Georgia farmers are facing low prices for commodities ranging from corn to cotton.”We are facing poor yields and the lowest prices in 20 years for cotton,” Thomas said. “We have record supplies worldwide for corn, so we are seeing low prices.”Peanuts growers aren’t seeing any premiums for their products, and are getting only average program prices.The U.S., as well as Brazil, has record crops in soybean, keeping prices low.”The midwest enjoyed good weather and record yields, while we were hit with the drought and bad yields, sticking us with low prices,” Thomas said.While the food price increases may seem low to most Georgians, for many low-income Georgians and those who depend on shrinking federal help, they can be a strain on household budgets.”Any price fluctuation affects the poor more significantly than any other group,” said Bill Bolling, executive director of the Atlanta Community Food Bank. “For those who are having a difficult time paying rent, buying food and caring for their children, even a slight increase makes it even more difficult.”Household income also has an impact on what is spent on food.”Our latest figures show that a family whose income is between $5,000 and $9,999 per year will spend about $2,389 on food. That’s 32 percent of their income,” Thomas said. Families earning $30,000 to $39,999 spend more,$4,710, on food but that is just 14.7 percent of their income.last_img read more

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Apple Picking on Long Island 2015: Where to Pick Your Apples

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first_imgBetween hayrides, farm stands, corn mazes, wagon rides, and games for the kids, theses family friendly farms offer loved ones the chance to make the most of any trip on LI’s iconic East End. The fresh produce that the farmers markets provide as well as their delicious candy apples will have you and your loved ones eating all day. Going apple picking is a fun and scenic way to spend the day, and it will be a memory that you will treasure long after the fruits of your labors are devoured. The list below contains multiple locations that you will want to check out this fall.Do not miss your chance to pick the big apple out on Long Island. And remember: It’s always best to call ahead to ensure that these popular orchards haven’t already been picked clean!DAVIS PEACH FARMFor more than 100 years Davis Peach Farm has been growing and selling the plumpest, juiciest peaches around. This unbeatable go-to spot for fresh produce also yields the crispest, juiciest apples ripe for pickin’! Pick your own apples until the end of September, or pick peaches and nectarines through the second week of October. They won’t reveal the secret blend of juices in their famous sangria mix, but luckily you can purchase it at their farmers market and experience this all-healing nectar at home! Hulse Landing Road, Wading River. 631-929-1115. Davispeachfarm.com 9 a.m.-5 p.m (Call first to confirm trees available for picking.)FORT SALONGA FARMThe raspberries at this farm are sweet, plump, and pick-your-own on Saturdays and Sundays from 10 a.m. to 2 p.m. Unfortunately, the apple orchard is only open to class trips this year due to deer-related crop damage. 30 Meadow Glen Rd., Northport. 631-269-9666. Fortsalongafarm.comHARBES FAMILY FARM AND ORCHARDOffering a corn maze, a spooky maze, pumpkin hay rides, and more than 24 different types of apples, Harbes Family Farm and Orchard has the best to offer for all ages, with a family friendly environment guaranteed to amaze and entertain! Be sure to visit their vineyard and tasting room after your fun-filled day on the farm. 5698 Sound Ave., Riverhead. 631-298-0800 or 631-298-0700. Harbesfamilyfarm.com/apple-picking Saturday-Sunday, 9 a.m.-6 p.m. $8 per person.LEWIN FARMS Sprawling across more than 1,100 acres, Lewin Farms boasts a corn maze, a farm stand, and several pick-your-own fruits and vegetables including tomatoes, peppers, eggplant, apples and pumpkins. The amount of crops this farm has to offer is unmatched. Call for prices and to confirm apple availability. Sound Avenue, Baiting Hollow. 631-929-4327. Lewinfarm.com 9 a.m-4:30 p.m. Weekends and holidays only.MILK PAIL FARM AND ORCHARDThis orchard is a must for picking your own apples, pumpkins, gourds and squash. The kids will love picking their own apples from the dwarf apple trees! Pick up some nut butters, plants, berries and pies at their fresh market before you head home! 1346 Montauk Hwy., Water Mill. 631-537-2565. Milk-pail.com 10 a.m.-5:30 p.m. Friday-Sunday. $43 per 20-pound bag.SEVEN PONDS ORCHARDPick from four apple varieties this year: Gingergold, Gala, Honeycrisp and Macintosh. Not into apples? Then pick your own raspberries, string beans and tomatoes before hitting up the incredible farmers market, hopping on the hayride, getting lost in the corn maze, or just joshing around at the playground. Wow! Seven Ponds Road, Water Mill. 631-726-8015. Facebook.com/pages/seven-ponds-orchard 9 a.m.-6 p.m., Monday-Sunday.THE APPLE ORCHARD @ HANK’S PUMPKINTOWNPumpkintown has it all—apple picking, pumpkin picking, face painting, a playground, and even gem mining! Will you find gemstones, fossils, arrowheads or seashells? Of course you will! This orchard offers the best kid-friendly environment around and will be a good time for everyone. There are a dozen apple varieties to pick— Gala, McIntosh, Honeycrisp, Fuji, Cortland, Macoun, Empire, Snow Sweet, Jonagold, Suncrisp and Mutsu—with varying ripening times. 240 Montauk Hwy, Water Mill. 631-726-4667. Hankspumpkintown.com 9:30 a.m.-6 p.m., Saturday-Sunday. $20 per 10-pound bag, limited to four people per bag.WICKHAM’S FRUIT FARMMost of this farm dates back to 1661, and its grounds offers apple picking, peaches, tomatoes, and raspberries. Set against beautiful Peconic Bay, you can tour this historic farm, cider press, and working beehive on a wagon ride! In addition to apple picking, they also offer homemade pies, jams, preserves and teabreads. Don’t leave without enjoying their gourmet selection of specialty cheeses! Who would have thought apples and cheese pair so scrumptiously well together? Dee-lishhh! 28700 Main Rd., Cutchogue. 631-734-6441. Wickhamsfruitfarm.com 9 a.m.-4 p.m., Monday-Saturday. Closed Sunday.WINDY ACRES FARMPick your own apples at this family-owned farm run by fourth-generation farmers. Their farm stand offers roasted corn and cider doughnuts, as well as eggplant, tomatoes, okra, peppers and string beans—all bound to soothe the belly and soul. Pick up some fresh produce, and enjoy it in the picnic area while the little ones have a ball at the playground! 3810 Middle Country Rd., Calverton. 631-727-4554. Facebook.com/pages/windy-acres-farm 9 a.m.-5 p.m., Monday-Sunday.WOODSIDE ORCHARDS  For more than three decades this family-run orchard has been offering the very best, most delectable apple pies, fresh cider, and more than 30 varieties of apples to pick from. They have truly taken apple cider to the next level! Try out their cider slushies and five different kinds of hard cider! They even brew their own apple wine! The special semi-dwarfed trees grown at both of their locations make it easy for people of all sizes and almost all ages to pick the apples since the trees only reach a height of about 10 feet! So, hungry pickers won’t have to go too far out on a limb to snatch something delicious. 631-722-5770. Woodsideorchards.com Manor Lane, Jamesport: Saturday-Sunday 11:30 a.m.-5:30 p.m. Route 25, Aquebogue: Monday-Sunday 11:30 a.m.-5:30 p.m.—With Desiree D’iorio Sign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York With fall in the air, the apples are getting ripe for picking at farms out east, which are basking in the autumn glow as families pour in for refreshing apple cider, mouth-watering apple pies and an assortment of delectable apple-inspired goodies.last_img read more

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Long Island Sound Sicker and Healthier Than We Think, Study Reveals

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first_imgSign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York This summer an important environmental study of Long Island Sound came out that could—and should—play a vital role in its preservation and provide a model for protecting other estuaries around the world. The findings surprised even the scientists working on the research, myself included. They underscore the remarkable opportunities and challenges affecting the Sound.I’ve studied estuaries throughout the nation and around the world, and Long Island Sound’s uniqueness not only makes it special but protects it in ways that should be more widely understood. In every other estuary—those places where freshwater meets saltwater—the head of the estuary is where the flow of freshwater is concentrated. With the Sound, the largest flow of freshwater is not at the head, New York City, but on the side near the eastern end, where the Connecticut River—the longest river in New England—discharges its waters between Old Saybrook and Old Lyme.What makes the Sound even more remarkable is that on its western end is one of the world’s most important megacities, and on its eastern end is “The Race,” where the tide races into Long Island Sound from Block Island Sound. Also notable are the contrasts between the shores of Long Island and Connecticut. Long Island is essentially a glacially deposited sandbar, while Connecticut is composed of rocky headlands divided by a series of rivers.Those differences, plus the shared dependence on the Sound, made it crucial to have organizations and individuals from both sides of the Sound engaged in the research—through funders, agencies collecting data and citizen scientists.The Long Island Sound Report Card was funded by the Long Island Sound Funders Collaborative and created by the University of Maryland Center for Environmental Science, where I oversaw the scientific synthesis. It is the result of collaboration—not only among funders but among scientific organizations on both shores of the Sound and among academic researchers and citizen scientists. That process and the report’s findings offer great hope for the Sound, which is unlike any other estuary in the world and yet can provide a reporting model for others.The Long Island Sound Funders Collaborative consists of a dozen foundations based on Long Island, in Connecticut and New York City, and beyond, convened initially by the National Fish and Wildlife Foundation. The LI-based foundations are the Long Island Community Foundation, New York Community Bank Foundation and the Rauch Foundation.Data was collected by agencies of both states as well as by the Interstate Environmental Commission and the federal government. The citizen scientists collected data on two geographic areas of particular focus: Inner Hempstead Harbor and Norwalk Harbor.We worked to build a consensus, so the report would reflect broad agreement on key findings and, therefore, convey an especially powerful and objective conclusion. What the report found was that “there is a variation from west to east of unhealthy (F) to healthy water quality (A). The Western Narrows is affected by the highly populated, suburban-urban communities surrounding New York City and scored the worst. Moving east from western Connecticut and western Long Island, the water quality improves. In the eastern Sound, the pollution is diluted by exchange with the Atlantic Ocean.”What surprised us is how quickly the water quality improves as you move from west to east. Before you even lose sight of the Manhattan skyline, the pollution has started to dissipate. That’s because of the input of freshwater along the Connecticut coast and the power of The Race. Together they flush the Sound intensively, leaving its eastern end in amazingly good shape.There’s still a lot of work ahead to improve and protect the Sound, but these findings provide reason for hope and optimism. The Sound still faces many significant challenges, but they have changed in recent decades.The Clean Water Act of 1972 and the Clean Air Act, passed in 1970 and subsequently amended, have reduced the pollution coming out of pipes: car exhausts, smokestacks, and sewers. Now we need to make progress on more diffuse sources, especially runoff from streets and other hard surfaces, residential landscapes and agriculture.Long Island soil is very sandy, and water flows readily through it, carrying toxics from septic systems and agriculture. Septic systems clean up household waste but do not remove nutrients, like excessive nitrogen, which cause pollution.New York City needs to focus more on the runoff associated with both storm water and rainwater. The hardening of urban surfaces makes it very easy for runoff to reach the Sound.Connecticut faces challenges reflecting its coastal mix of cities and towns. Its shore also has a huge industrial legacy from past manufacturing that is disturbed when storms disrupt underwater sediment.The Long Island Sound Report Card offers a collaborative model and a set of findings that enable the tracking of combined efforts at conservation. In doing so, it adds significant value to other crucial environmental work being conducted around the Sound. It also provides a basis for collective improvement of one of the best-known estuaries in the world and could become a model for enhancing estuaries affected by the growth of 21st-century megacities.William Dennison is Vice President for Science Applications and Professor at the University of Maryland Center for Environmental Science.last_img read more

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It’s time for everyone to step up their game (and here’s an easy way to get started)

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first_img 14SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Michael Hudson Dr. Michael Hudson started his first business when he was just 7 years old…riding his bicycle from house to house selling greeting cards and holiday gifts. Since then he … Web: michaelhudson.com Details “People are very open-minded about new things—as long as they’re exactly like the old ones.”   -Charles KetteringOne of my favorite books is Change is Good…You Go First by Mac Anderson and Tom Feltenstein. The title says it all and speaks volumes about the way we tend to look at the idea of doing things differently.It’s a natural, human response. On the one hand we prefer continuing to do what we know, what feels comfortable, and what we perceive as safe. On the other hand we fear venturing into the unknown, facing an increased risk of failure, and coming to grips with the possibility that we were wrong.However there is only one constant in life, and that constant is change.If you are going to lead in any capacity today, then you need to raise your game—to understand change, accept change, and cause change (frequently).Nowhere is this more important for credit unions than in the area of governance. More specifically in pushing to have (current and future) board members step up their game so they are better equipped to fulfill their responsibilities.OK, I know that I am treading into difficult territory here. And I fully understand the urge to push back against an argument for changing things that have created past success.But the fact is that the world of boards is changing in both the for-profit and not-for-profit worlds. A recent post on the Harvard Business Review website shares a number of valuable insights that credit union board leaders would be well served to consider (it is a must read for all CU leaders).The post reveals that it’s not just about who is willing to serve, but rather about their capacity to contribute, the quality and relevance of their experience, their areas of expertise, and their understanding of strategy.From where I sit as someone who has had the privilege of facilitating planning sessions for credit unions for the past 15 years, the article reminded me of the importance of board members (and frankly all CU leaders) committing to develop their capacity to lead—the most important way they can step up their game and increase their impact.I know, you already have enough to do and there’s just not time for one more thing.But consider this…If you schedule just 10 minutes per day five days each week to expand your knowledge and understanding of the strategic challenges and opportunities facing your credit union you will end up investing more than 40 hours in building your capacity this year.Can you imagine what you might learn in over 40 hours and how that might enable you to be more effective in leading your credit union?Here are some possible ways to invest your 10 minutes each day:Read one or more of the credit union industry daily e-mails—skim, scan, and scroll the posts and pick one or two that capture your interestRead a business focused blog like the one from the Harvard Business Review mentioned in this articleSkim a magazine that you wouldn’t normally read to broaden your perspective on today’s marketplaceWatch a business or financial news program on TVSearch YouTube.com for videos related to business, financial services, marketing, technology, or other concepts of interest and watch a coupleCheck out a visit Ted.com and watch a TedTalk on a subject of interestHave coffee with someone who isn’t familiar with your credit union and gain their insightsYou get the idea—find ways to explore and build your knowledge about the world of business and what it takes to succeed today, as well as what it will take to succeed tomorrow, and you’ll become a more valuable leader for your credit union.So how will you invest your 10 minutes tomorrow?last_img read more

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C(U)-3PO: Credit unions awaken their force with ‘Star Wars’ release

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first_imgTATOOINE — There are two words on just about everyone’s minds right now: “Star Wars.” So what better way to raise awareness than by combining #creditunion and #starwars in the same tweet?Credit unions across the country have taken advantage of the release of the latest installment of the classic science-fiction series to promote their brands and have a little fun along the way.Several credit unions held ticket giveaways to first screenings of the flick, others held “Star Wars”-themed contests on social media, while others still merely used the opportunity to poke fun at the big bank “Empire.”Some of the best examples can be seen below, and don’t miss the creative Twitter posts compiled in the Storify: continue reading » 3SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

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A beginner’s guide to a credit union core system review

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first_imgThe task of performing a credit union core system review can be overwhelming. With the rapidly changing world of banking technology and the fact that the average age of a credit union member is over 50, credit union execs are looking for ways to use technology to attract younger members. This inevitably entails a review of the core.Pew Research Center broke down population estimates and determined there are now 75.4 million living millennials, which is a half-million more than the 74.9 million living baby boomers. Gen Z is not far behind with roughly 73.6 million living people born between 1999 and 2015. The demands from these younger generations are begging for the attention of credit unions, and many CU’s are looking at this as the right time to review their core technology. Here are some items to keep in mind when approaching a core system review:Know yourself: Know the needs of your organization. Identify what matters most to your credit union and don’t lose sight of it. While it’s always a good idea to explore new solutions you hadn’t considered before, don’t get distracted with solutions to problems that you don’t have. Every solution has its strengths, and every credit union has its own priorities. Line up your priorities and ensure you are not looking to fill a void that you didn’t have to begin with! continue reading » 7SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

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3 ways to be financially responsible with your 2018 tax return

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first_img 108SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,John Pettit John Pettit is the Managing Editor for CUInsight.com. John manages the content on the site, including current news, editorial, press releases, jobs and events. He keeps the credit union … Web: www.cuinsight.com Details Tuesday, we looked at 4 reasons to file your taxes as soon as you can, so here are some smart ways to spend your money once you get a refund…Pay down your debt: This may be the smartest choice when deciding what to do with your refund. Decreasing your debt helps alleviate the interest you’re paying, which will be a huge weight off your wallet and credit score. Debt can feel like a mountain, so use this opportunity to start digging yourself out from under it.Put it into retirement: If you’re not steadily adding funds to your retirement account (401k, Roth), you’re doing yourself a disservice. Even if you’re young and it doesn’t seem that important right now, you’ll be 65 before you know it.Build up an emergency fund: Iff you’re doing a good job of saving for retirement, congrats on that. But you may get yourself into trouble if that’s all you’re saving. Take this opportunity to use your tax return to create an emergency fund in case things go south (lose your job, car dies, etc).last_img read more

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Danijela Mihalić Đurica, Director of the CNTB Representation in France: French guests are ideal for extending the season

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first_imgLes Entreprises du Voyage: Croatia in a positive trend Les Voyage Enterprises Attachment: Report The Voyage Enterprises / The French Holidays to Stay In terms of long stays, although the US and Canada are the leaders, the French prefer holidays at sea: the Dominican Republic, Mauritius and Mexico are the top three main French destinations when it comes to longer trips. Interesting, according to the report Les Voyage Enterprises, Turkey, hit last year, has returned to normal attendance levels, while Tunisia and Egypt are reaching attendance levels before the “Arab Spring”. The return of the mentioned destinations takes place to the detriment of European destinations such as Spain, Greece, Italy and Portugal. By the way, Turkey expects to make 50 million arrivals this year. This is confirmed by the statistical data of the Association of French Travel Agencies Les Voyage Enterprises according to whose data, Croatia is in fourth place on the list of the best-selling foreign medium-sized destinations of the French and recorded an increase of 11 percent compared to the same period last year.  The positive trend continued in July, when French tourists realized 121 thousand arrivals and 477 thousand overnight stays, which compared to July last year represents an increase of 7 percent in arrivals and 10 percent in overnight stays. France has been growing steadily in recent years, at an annual rate of between 5-10 percent, and so this year, where in the first seven months there were 300 thousand arrivals and more than a million overnight stays, which compared to the same period last year represents a growth of 6 percent in arrivals and overnight stays.  And the latest data from the CNTB speak for themselves. Publications in the most eminent French media with a focus on the Croatian continental offer also contribute to the trend of positive results. LIST OF DIRECT AIR CONNECTIONS FROM 19 ISSUING MARKETS ATTACHMENTS: Profile of the French market, holiday schedule in France and list of direct airlines from Francecenter_img Most French tour operators are very satisfied with the bookings and results, especially for July and August, but also for September and October, according to the CNTB. HOLIDAY SCHEDULE ON ISSUING MARKETS IN 2019 Thus, the share of French people who organize their vacation abroad using the services of a travel agency this year increased by 4% for destinations on long distances and 2% for destinations with medium traffic, which represents more than 3/4 of summer vacations. On a national TV station France 2 on which more than 17 million viewers saw the promotional video about Croatia during four weeks, the CNTB concludes. In the Vukovar-Srijem County, the recording of the famous culinary show “Impossible kitchen”, And these days a report on Slavonia is expected to be published in one of the most widely read French weeklies Le Figaro Magazine. On a national television station TF1 last week’s “Croatian Week” broadcast reports on the Krka National Park, Šibenik, Korčula, Hvar, Split and Dubrovnik.  “Positive trends from the French market are the result of expanding the offer and numerous promotional activities and quality cooperation with partners such as Ovoyages, Travel Europe, Top of Travel and Voyamar, which offer Croatian destinations, and every year new charter flights and direct flights to Split are introduced. , Pula, Dubrovnik and Rijeka from for example Lyon, Marseilles and Bordeaux” said CNTB Director Kristjan Staničić, adding that he was particularly pleased with the continuous strengthening of French guest traffic, not only in traditionally strong destinations such as Dubrovnik or Split, but also in new ones such as Zagreb, Slavonia, Kvarner and Istria. “We are extremely pleased with the positive impressions of the French who, after returning from Croatia, emphasize our hospitality and authenticity, preserved nature, beautiful coast and islands, quality gastronomic offer and rich cultural heritage. The results we achieve are even more significant if we know that the French market is very complex, primarily due to the well-known trend of staying and spending holidays in French destinations, or strong promotion of domestic tourism.She said Danijela Mihalić Đurica, director of the CNTB Representation in France, adding that French guests are ideal for extending the season precisely because of the large number of school holidays, national holidays and public holidays and the average shorter working week.  “Active tourism, nature, culture and gastronomy are certainly motives with which we can interest guests from France, especially in the pre- and post-season. By the way, the French are known as world champions in the use of vacations and the number of days off. French school children have two weeks of school holidays every 7 weeks. That means they have two weeks of holidays in April and two in October. Also, these are not guests who will be content with lying on the beach and the sun and the sea, they are extremely curious. They need a little more effort because they are very well aware of the value for money”Mihalic Durica pointed out earlier for HrTurizam.hr. France / Schedule of holidays on emitting markets in 2019 can be downloaded in the attachment In the announcement of this tourist season, Mihalic Durica pointed out that until decades the most popular destination in Croatia for French guests was Dubrovnik, and now Split is increasingly taking over. Also, today we can see more and more French guests in Kvarner, Istria and Zagreb.last_img read more

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Diageo deal is a Landmark

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first_imgWould you like to read more?Register for free to finish this article.Sign up now for the following benefits:Four FREE articles of your choice per monthBreaking news, comment and analysis from industry experts as it happensChoose from our portfolio of email newsletters To access this article REGISTER NOWWould you like print copies, app and digital replica access too? SUBSCRIBE for as little as £5 per week.last_img

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‘No need for unusual policies’: BI refuses to print money to support economy

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first_imgCalls have grown among lawmakers as well as former trade minister Gita Wirjawan, among others, for the central bank to print money to support the virus-battered economy and help fund the COVID-19 battle.Gita asked the central bank to print Rp 4 quadrillion (US$264.29 billion) to protect the economy, adding that the money should be used by the public to purchase their basic needs.“The money will not only be used to provide stimulus packages for those who have lost their jobs, but also to rescue the real sector, as well as micro, small and medium businesses,” Gita said, as quoted by Kompas.com.“There is no need for unusual policies like printing money” to meet liquidity needs, he added.The government will offer another Rp 856.8 trillion in government bonds for the rest the year to address the widening budget deficit.BI has ramped up its bond-buying program by purchasing Rp 173.1 trillion worth of government bonds from the primary market and from foreign investors in the secondary market, similar to the moves made by the United States Federal Reserve, among other central banks, to support their countries’ fiscal needs.Topics : Bank Indonesia (BI) has emphasized that it will not print money to help fund the surge in government spending to fight the COVID-19 pandemic.BI Governor Perry Warjiyo said the suggestion to print money was not a prudent monetary policy, pledging that the central bank would never take the measure.“This is an unusual policy and BI will never take such measures, including giving out money to the general public to face the COVID-19 pandemic,” Perry told reporters on Wednesday. “I am very sorry, but we should not confuse the public.”last_img read more

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