Question: Describe the history and phenomenon of the Black Bird of Chernobyl.

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 Describe the history and phenomenon of the Black Bird of Chernobyl.

Beginning in early April 1986 the people in and around the little known Chernobyl Nuclear Power Plant began to experience a series of strange events revolving around sightings of a mysterious creature described as a large, dark, and headless man with gigantic wings and piercing red eyes. People affected by this phenomena experienced horrific nightmares, threatening phone calls and first hand encounters with the winged beast which became known as the Black Bird of Chernobyl.
Reports of these strange happening continued to increase until the morning of April 26, 1986, when at 1:23 am, reactor 4 of the Chernobyl Nuclear Power Plant experienced a catastrophic steam explosion that resulted in a fire which caused a series of additional explosions followed by a nuclear meltdown. The power plant, located near Pripyat, Ukraine, Soviet Union, spewed a plume of radioactive fallout which drifted over parts of the Western Soviet Union, Eastern and Western Europe, Scandinavia, the UK, Ireland and eastern North America. Large areas of Ukraine, Belarus and Russia were badly contaminated, resulting in the evacuation and resettlement of over 336,000 people. The Chernobyl Disaster, as the incident was dubbed, is considered the worst accident ever in the history of nuclear power.
In the days before the tragic occurrence several Chernobyl employees had reported seeing a large, dark/ black shape like a headless man with gigantic wings and red, fire-like, eyes. As with the appearances of Mothman, people who had seen the phenomena had been having nightmares and some received strange phone calls. Some of the employees reported the strange things to their supervisors at the plant.
Following the meltdown, and subsequent explosions and fires, Soviet helicopters were dispatched to the scene, equipped with special fire fighting gear, these helicopters circled the plant dropping clay, sand, lead and other extinguishing chemicals on to the burning facility. Most of the fire was put out by 5 am with the fire burning with in reactor 4 continuing to blaze for several hours after. The firefighters who responded were unaware of the nature of the fire, assuming that it was simply an electrical fire, and received masses overdoses of radiation leading to many of their deaths, including Lieutenant Vladimir Pravik, who died on May 9, 1986.
The workers who survived the initial blast and fire, but would later die of radiation poisoning, claimed to have witnessed what has been described as a large black, bird like creature, with a 20 foot wingspan, gliding through the swirling plumes of irradiated smoke pouring from the reactor. No further sightings of the Black Bird of Chernobyl were reported after the Chernobyl Disaster, leaving researchers to speculate just what haunted the workers of the plant during the days leading up to the disaster.
The most commonly accepted theory suggests that the Black Bird of Chernobyl may have been the same creature spotted in Point Pleasant, West Virginia leading up to the collapse of the Silver Bridge on December 15, 1968. Investigators have suggested that the appearance of this creature is an omen of disasters to come in the area in which it shows itself. The physical description of both the Black Bird of Chernobyl and the Mothman, the creature sighted in West Virginia, are very similar, and the reports of nightmares and threatening phone calls leading up to these disasters are shared in both cases.
A second, less accepted theory, suggests that the Black Bird of Chernobyl was nothing more than the misidentification of the black stork, an endangered species endemic to southern Eurasia. The black stork stands nearly 3 feet tall and has a wing span of nearly 6 feet. This theory however fails to take into account the menacing phone calls and the the disturbing nightmares. Also the physical description given by the majority of eyewitnesses who actually saw the Black Bird of Chernobyl does not in anyway match the physical appearance of the Black Stork.
Both the Black Bird of Chernobyl and the Mothman have not been sighted since there respective disasters, leaving us with many unanswered questions. All we can do is wait for the beast to show itself again and give us a chance to figure out just what it may be, unfortunately it would appear that for this creature to show up again we will have to anticipate some form of disaster in the area it has selected to appear.


Question: What do you know about Kamchia? Respond in 46 words.

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 What do you know about Kamchia? Respond in 46 words.

Kamchia () is a village in eastern Bulgaria, located in Sungurlare Municipality of the Burgas Province. It lies on the river Luda Kamchia along the provincial road 7305. It currently does not have its own mayor but instead is governed by the municipal mayor Stefan Kenov.


Question: What is Ust-Burgaltay?

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 What is Ust-Burgaltay?

Ust-Burgaltay () is a rural locality (an ulus) in Zakamensky District, Republic of Buryatia, Russia. The population was 394 as of 2010. There are 8 streets.


Question: Hey, have you heard about this amazing Arduino project?

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 Hey, have you heard about this amazing Arduino project?

YouTube user "bfayer" has created an astonishing Arduino project named "Liquid Lifebar" that mimics the lifebar on screen during his gameplay. The video pretty much explains it all! After less than 24 hours it has already hit 60k+ views and is getting great response from the YouTube community. Already, viewers are encouraging him to market this product and get it on a crowdfunding site. Great ideas are coming forth, such as incorporating this into a gaming monitor, using it as an audio response meter at night clubs, and/or releasing a "do it yourself" kit or manual.
We are hoping to get more information from bfayer in the future, because... so many questions!


Question: Respond in detail. Describe the issues facing scientific research and offer solutions.

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 Respond in detail. Describe the issues facing scientific research and offer solutions.

Washington (AFP) - A few years ago, two researchers took the 50 most-used ingredients in a cook book and studied how many had been linked with a cancer risk or benefit, based on a variety of studies published in scientific journals.
The result? Forty out of 50, including salt, flour, parsley and sugar. "Is everything we eat associated with cancer?" the researchers wondered in a 2013 article based on their findings.
Their investigation touched on a known but persistent problem in the research world: too few studies have large enough samples to support generalized conclusions.
But pressure on researchers, competition between journals and the media's insatiable appetite for new studies announcing revolutionary breakthroughs has meant such articles continue to be published.
"The majority of papers that get published, even in serious journals, are pretty sloppy," said John Ioannidis, professor of medicine at Stanford University, who specializes in the study of scientific studies.
This sworn enemy of bad research published a widely cited article in 2005 entitled: "Why Most Published Research Findings Are False."
Since then, he says, only limited progress has been made.
Some journals now insist that authors pre-register their research protocol and supply their raw data, which makes it harder for researchers to manipulate findings in order to reach a certain conclusion. It also allows other to verify or replicate their studies.
Because when studies are replicated, they rarely come up with the same results. Only a third of the 100 studies published in three top psychology journals could be successfully replicated in a large 2015 test.
Medicine, epidemiology, population science and nutritional studies fare no better, Ioannidis said, when attempts are made to replicate them.
"Across biomedical science and beyond, scientists do not get trained sufficiently on statistics and on methodology," Ioannidis said.
Too many studies are based solely on a few individuals, making it difficult to draw wider conclusions because the samplings have so little hope of being representative.
"Diet is one of the most horrible areas of biomedical investigation," professor Ioannidis added -- and not just due to conflicts of interest with various food industries.
"Measuring diet is extremely difficult," he stressed. How can we precisely quantify what people eat?
In this field, researchers often go in wild search of correlations within huge databases, without so much as a starting hypothesis.
Even when the methodology is good, with the gold standard being a study where participants are chosen at random, the execution can fall short.
A famous 2013 study on the benefits of the Mediterranean diet against heart disease had to be retracted in June by the most prestigious of medical journals, the New England Journal of Medicine, because not all participants were randomly recruited; the results have been revised downwards.
So what should we take away from the flood of studies published every day?
Ioannidis recommends asking the following questions: is this something that has been seen just once, or in multiple studies? Is it a small or a large study? Is this a randomized experiment? Who funded it? Are the researchers transparent?
These precautions are fundamental in medicine, where bad studies have contributed to the adoption of treatments that are at best ineffective, and at worst harmful.
In their book "Ending Medical Reversal," Vinayak Prasad and Adam Cifu offer terrifying examples of practices adopted on the basis of studies that went on to be invalidated, such as opening a brain artery with stents to reduce the risk of a new stroke.
It was only after 10 years that a robust, randomized study showed that the practice actually increased the risk of stroke.
The solution lies in the collective tightening of standards by all players in the research world, not just journals but also universities, public funding agencies. But these institutions all operate in competitive environments.
"The incentives for everyone in the system are pointed in the wrong direction," Ivan Oransky, co-founder of Retraction Watch, which covers the withdrawal of scientific articles, tells AFP. "We try to encourage a culture, an atmosphere where you are rewarded for being transparent."
The problem also comes from the media, which according to Oransky needs to better explain the uncertainties inherent in scientific research, and resist sensationalism.
"We're talking mostly about the endless terrible studies on coffee, chocolate and red wine," he said.
"Why are we still writing about those? We have to stop with that."


Question: Describe Contagion VR: Outbreak. Respond in 10 sentences.

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 Describe Contagion VR: Outbreak. Respond in 10 sentences.

PlayStation VR owners will soon get their hands on Contagion VR: Outbreak, a zombie horror game built from the ground-up for VR.
Developer Monochrome Inc earlier released a 2018 development roadmap for its zombie game, revealing that Contagion VR: Outbreak will make its way to PSVR sometime on Nov. 2018. Considering that the game has been in early access for quite some time on Steam, it’s possible that most of the game’s bugs will already be ironed out for the PSVR release.
The developers behind Contagion VR: Outbreak previously confirmed development on the PSVR version, stating that they are hoping to support the Aim controller and bring its co-op and PvP modes to Sony’s platform.
For those unaware, Contagion VR: Outbreak is a survival-horror shooter built from the ground-up for VR. It has a full-length campaign lasting around five hours, with free DLCs planned to double the game’s length. The game puts players in the shoes of multiple characters who are trying to survive a zombie apocalypse. Players will get to experience the perspective of each character during the zombie outbreak.
Contagion VR: Outbreak is currently available on Steam for $19.99 and has a free demo. The game has received positive reviews from users, with most criticisms only involving technical issues and annoying bugs.


Question: Have you heard what happened with Logan Paul's movie?

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 Have you heard what happened with Logan Paul's movie?

MGM has pulled its “Valley Girl” remake featuring embattled YouTuber Logan Paul from its release schedule, TheWrap has learned.
The project, which wrapped production last year and had been set for release on June 29, is now undated. Meanwhile, MGM has scheduled the Anne Hathaway and Rebel Wilson remake of “Dirty Rotten Scoundrels,” called “The Hustle,” for that date.
A studio rep had no comment on the reason for the move, or when the film might get a new date.
Paul has a supporting role in director Rachel Goldenberg’s musical update of the 1983 Nicolas Cage film, which stars Jessica Rothe (“La La Land”) as a sweet San Fernando Valley native who falls for a punk rocker from Hollywood played by follows Josh Whitehouse. The cast also includes Chloe Bennet, Peyton List and Ashleigh Murray.
Last month, YouTube suspended ads on the popular vlogger’s channel for 18 days, calling him “unsuitable for advertisers.” He currently has more than 16 million subscribers.


Question: What is MITSFS?

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 What is MITSFS?

The MIT Science Fiction Society (or MITSFS) of the Massachusetts Institute of Technology is a student organization which maintains and administers a large publicly accessible library of science fiction, fantasy, and science fantasy books and magazines.


Question: Describe the history of rugby league in Papua New Guinea.

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 Describe the history of rugby league in Papua New Guinea.

Rugby league is a popular team sport in Papua New Guinea, and is the national sport. Papua New Guinea has a reputation for being the most passionate supporter of the game in the world.
Papua New Guinea first came into contact with rugby league during the gold rush in the 1930s through Australian miners. Australian soldiers stationed in the country during and after the Second World War reintroduced the sport and in 1949 and the Papua New Guinea Rugby Football League was founded. It quickly became a popular spectator sport.


Question: Describe the recent heatwave in Sydney, Australia.

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 Describe the recent heatwave in Sydney, Australia.

If this April in Sydney often felt more like mid-summer than mid-autumn, you wouldn't be far off the mark. And there's more out-of-season warmth to come.
Even before the final temperatures for the month settle on Monday, readings for the first 29 days are far enough ahead of previous records to make it certain that April will be Sydney's hottest in almost 160 years of records, Weatherzone says.
"It was a really, really hot month," Kim Westcott, a meteorologist with Weatherzone, said.
"Certainly, it's not isolated to just Sydney and NSW," she said, adding that South Australia and Victoria were also likely to challenge historical records.
Up until Monday, average daytime temperatures were running at 26.27 degrees, well ahead of the previous high of 25.6 degrees set almost a century ago in April 1922, Weatherzone said.
A typical April in Sydney would normally post maximum temperatures of 22.5 degrees. The hottest month of the year is usually January when 26 degrees marks an average day, according to Bureau of Meteorology data.
The mercury came close to reaching its forecast top of 21 degrees in Sydney, touching 20.8 decrees. That was just the third day of the month to register a below-average maximum temperature - and not cool enough to make much difference to the new April record.
"Due to a lack of cloud cover, Sydney also experienced about one and a half hours more sunshine than usual per day when averaged across the month," Ben Domensino, a meteorologist with Weatherzone, said.
The Bureau of Meteorology declined to comment on the records, pending the release of the monthly reported expected on Tuesday.
If anything, the overnight temperatures were even more anomalously mild.
Despite two cooler-than-average days to end the month - the only two during this April - a typical overnight low this month has been about 18 degrees, Weatherzone said.
That tally compares with the previous mildest April for minimums of 16.91 degrees, set in April 1986. A typical April in Sydney has minimums averaging 14.7 degrees.
Rainfall for the city was boosted by a couple of late bursts. The tally, though, was only about 23 millimetres, well shy of the average for the month of 128.5mm.
"This was Sydney’s driest April in 12 years during what is typically the city’s fourth wettest month of the year," Mr Domensino said.
The month got off to a roaring start across much of southern Australia, prompting the bureau to issue a special climate statement to highlight the many late-season records falling.
The outlook is for more unseasonably warm - and mostly dry - weather for the most of the first week of May at least.
After Monday, each day for the coming six days is forecast to be 23-27 degrees, or about 3-7 degrees warmer than a typical May day in Sydney.
Nights, though, will be closer to the average of 11.6 degrees usual for this month, although Friday's forecast overnight low of 19 degrees will be particularly mild.
Two cold fronts should arrive across Victoria and southern parts of NSW on Thursday, Friday and Sunday, possibly bringing snow flurries to mountain regions, Ms Westcott said.
Still, "the cold's not likely to get that far north", and make much of a dent in Sydney's readings, she said.
Among April's stand-out events were a record daytime for the month reading of 35.4 degrees on April 9, one of five days above 30 degrees. Another day with 29.9 degrees meant the city fell just short of matching 1922's record number of six days of 30 degrees or warmer days.
Background warming of about 1 degree over the past century caused by climate change - in Australia and globally - makes it much more likely that records for warm days will fall compared with cool ones, the bureau says.


Question: What do you know about ikimobile's cork-based phones?

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 What do you know about ikimobile's cork-based phones?

Cork in a handset? Now, there's something you don't see every day. That's definitely how ikimobile's booth at MWC 2018 caught our eye. Well, the tree they had set up on the show floor helped draw some attention as well. But, it was the ecological and sustainability pitch that really piqued our interest.
Ikimobile takes a firm stand on the matter, by working mostly with cork - 100% natural, renewable, and recyclable with no carbon footprint and no harmful emissions. The company also prides itself on manufacturing independently in its home Portugal market and engaging in various other sustainability, waste-management and fair labor initiatives.
So, how well does this approach actually work for a phone? Surprisingly good, to be frank. At the booth, we checked out the company's latest BLESSPLUS smartphone.
It's a phone with increased shock resistance, which is a key selling feature on its own. The company's reps used every chance to drop it on the floor in front of unsuspecting passers-by around their MWC booth.
The phone's claim to fame, however, is the back made out of natural cork. The material provides nothing short of a unique look and feel. It is available in black and two shades of wood brown, complete with a distinctively textured surface. You can refer to the nearest bottle of wine for some point of reference.
Naturally, we had a lot of question. First, of course, the matter of durability. The cork seemed to be packed together really tightly, providing a very sturdy feel. Ikimobile actually claims that after subjecting the cork to "agglomeration carried out using its own resins (suberin)", it can retain its technical characteristics for up to 50 years.
We'll pretend we understand what this process is about and we will give them the benefit of a doubt. Nobody will use a handset for so long that's for sure.
So, the ikimobile reps were kind enough to put things in practical terms by showing us one of their earlier models - a KF5Bless Cork Edition, that had been used for over a year on a daily basis. We have to say, it looked spotless. No dents, cuts, chips or anything we had expected.
Prying even further into the matter, it turns out the eco-friendly nature of the handsets is more than skin-deep. Underneath the back panel of ikimobile handsets, there is even more cork, providing internal structural support. Apparently, the material can support vast thermal variations, between -180 degrees and 120 degrees Celsius. Plus it boasts anti-vibration and insulation properties. Burning it releases no toxic gasses since ikimobile does not mix anything synthetic in.
The reps were also kind enough to explain that it really did make sense for them to use as much of the stuff as possible, wherever it fits in, even in the boxes, since sourcing the raw material is not harmful to the cork trees. On the contrary, it is a renewable produce, and each tree can be harvested once every 9 years and removing the product is actually good for the tree itself. Plus the whole production process is very low-energy. The more you know!
So, bottom line, cork is great. But what about the rest of the BLESSPLUS? Well, it's actually a decent device. Its frame appears to be made of metal - not really as eco-friendly as the rest of it, but if you are going to worry about electronic waste, the actual circuitry and batteries should be higher on your list.
On the front, the BLESSPLUS looks like a normal 2018 smartphone, complete with a decent, although not impressive in any way, 5.99-inch, 18:9, FullHD IPS panel, covered with an undisclosed Gorilla Glass finish.
Hardware-wise, you get a MediaTek Helio P20 chipset, with 6GB of RAM and 64GB of expandable storage. A 3,800 mAh battery keeps the lights on. It can be topped off through some sort of fast charging, likely Pump Express 3.0, via a Type-C port.
Wireless charging is also part of the mix. Other specs include a fast, rear-mounted fingerprint reader, Dual-SIM support, and a standard connectivity loadout.
For photography, there are two 13MP snappers on the back, the second one with a telephoto lens. Ikimobile claims f/1.8 on both, but we have our doubts regarding the telephoto. Selfies are handled by a 5MP unit.
The BLESSPLUS has a footprint of 157.5 x 75.8 x 9.25mm and runs Android 7.0 out of the box. Pre-sales are already live on the company's website, with an asking price of € 359.99, which looks to be an early-bird special.
Yes, cork is a great thermal insulator, that is, keeps in heat in, and the cold out.


Question: Describe Teretia teres. Respond in 16 words.

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 Describe Teretia teres. Respond in 16 words.

Teretia teres is a species of sea snail, a marine gastropod mollusk in the family Raphitomidae.


Question: What is Specialisterne? Respond in 2 sentences.

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 What is Specialisterne? Respond in 2 sentences.

Specialisterne (The Specialists) is a Danish social innovator company using the characteristics of people with autism spectrum disorder (ASD) as competitive advantages in the business market.
Specialisterne provides services such as software testing, quality control and data conversion for business companies in Denmark (and Canada).


Question: What is the future of the Statler Hotel in Dallas?

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 What is the future of the Statler Hotel in Dallas?

Millennials want to buy houses, but can they afford them in Dallas?
The refurbished Statler Hotel in downtown Dallas will debut in October 2016, and it will have a familiar name attached: Hilton. The landmark property will become part of the hotel chain’s Curio collection.
Statler owner Centurion American Development, helmed by Mehrdad Moayedi, entered into a franchise agreement with Hilton, which calls Curio “a global brand of distinctive upper upscale and luxury hotels, hand-picked for travelers who seek local discovery and authentic experiences.” The Highland Dallas hotel is also part of Curio.
The hotel debuted in 1956 as the Dallas Statler Hilton, heralded as the first and finest hotel of the modern era for its groundbreaking design and electronic innovations. It boasted many firsts in the hotel industry, including elevator music and custom 21-inch Westinghouse TVs in every room. It was also one of the first hotels to feature conference and ballrooms on its lower levels.
The Statler Hilton helped establish Dallas as a business and entertainment center in the Southwest, along with its chichi downtown neighbor Neiman Marcus.
Hilton Hotels sold the property to Hong Kong investors in 1988, who renamed it the Dallas Grand Hotel. It closed in 2001. In 2014, Centurion American Development Group purchased the property and secured $46.5 million in TIF financing from the City of Dallas to redevelop the historic property into a flagship hotel, residential, retail and entertainment center.
The master plan includes 161 hotel rooms on the lower five floors and 219 residences on the top 11 floors. The building will include meeting space, retail and office space, four restaurants, and a hotel lounge. A new music venue is also planned in the 14,500-square-foot ballroom. Development is slated to begin in May.
“The Statler was one of the most glamorous hotels in the world when it first opened in 1956, and we plan to restore its position as a destination for not only travelers coming to Dallas, but also as a place to live and work,” Moayedi said.


Question: Respond in 7 sentences. Describe the physical characteristics and habitat of the Callistoctopus macropus species.

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 Respond in 7 sentences. Describe the physical characteristics and habitat of the Callistoctopus macropus species.

Callistoctopus macropus, also known as the Atlantic white-spotted octopus, white-spotted octopus, grass octopus or grass scuttle, is a species of octopus found in shallow areas of the Mediterranean Sea, the warmer parts of the eastern and western Atlantic Ocean, the Caribbean Sea, and the Indo-Pacific region. This octopus feeds on small organisms which lurk among the branches of corals.
"Callistoctopus macropus" grows to a mantle length of with a total length of . The first pair of arms are a metre or so long, and are much longer than the remaining three pairs. The arms are all connected by a shallow web. This octopus is red, with white blotches on its body, and paired white spots on its arms. When it is disturbed, its colour becomes more intense, deimatic behaviour which may make it appear threatening to a potential predator.


Question: Respond in detail. Can you tell me about the Congressional Gold Medal going to Filipino veterans of World War II?

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 Respond in detail. Can you tell me about the Congressional Gold Medal going to Filipino veterans of World War II?

The Congressional Gold Medal, the nation's highest civilian award, will go to the Filipinos who served with the U.S. military during World War II.
Filipino veterans of World War II will be awarded the Congressional Gold Medal on Wednesday, after a lengthy battle for national recognition of their U.S. military service and sacrifices nearly 75 years ago.
The medal is the highest civilian award and will be presented at a ceremony in the U.S. Capitol to honor the 260,000 Filipinos who fought alongside American forces during the war and more than 57,000 Filipino troops who died.
Their service began in 1941, when President Franklin Roosevelt created the U.S. Army Forces of the Far East, offering full veterans’ benefits to Filipinos who enlisted. The Philippines at that time was a U.S. commonwealth, and Filipinos were U.S. nationals.
But once the war ended, the benefits were quickly rescinded by President Harry Truman in 1946, and the Filipinos who served were stripped of their status as U.S. veterans. The Philippines was singled out from the 66 nations allied with the U.S. during the war.
Many relatives and supporters of the veterans say not nearly enough has been done to recognize their sacrifices.
“If you look at what they did, why? The services that were rendered by the Filipinos was nothing,” said World War II veteran Remigio Cabacar, 90, a native of the Philippines who lives in Fort Washington, Md.
Celestino Almeda, 100, is a Filipino World War II veteran who immigrated to the U.S. in 1996 and lives in Gaithersburg, Md. During a protest about a decade ago, he said he chained himself to the White House fence because the U.S. was not providing the benefits promised to veterans like him.
"Why was America turning their back away from the veterans?” Almeda recalled.
Now, Almeda plans to be at Wednesday's ceremony and is scheduled to give remarks.
“This is not only my triumph to receive the medal, but the triumph of my colleagues who were with me, but unluckily some of them passed away." Almeda said.
The Filipino Veterans Recognition and Education Project, established in 2014, pushed for legislation to bestow the medal to the veterans, and President Barack Obama signed it into law on Dec. 14, 2016.
"It was historical. It was a phenomenal achievement, not just for our group but for our entire country and also for the Philippines,” said Antonio Taguba, chairman of the recognition project and a retired U.S. Army major general.
The group plans to place the gold medal in a museum and will create an educational program to preserve the history of the Filipino veterans.
“We ought to have this as a great celebration," Taguba said. “And we say to our veterans, thank you, thank you, thank you, for your service to this country."


Question: Describe the suspicious financial activity Kaveladze was involved in and the consequences of his actions.

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 Describe the suspicious financial activity Kaveladze was involved in and the consequences of his actions.

Although the documents do not directly link the $3.3 million to the meeting, they show that officials at three separate banks raised red flags about the funds. Many of the transfers seemed to have no legitimate purpose, bankers noted. Kaveladze quickly moved money to other accounts he controlled, and appeared to use some of it to make payments on Agalarov’s behalf — including more than $700,000 to pay off American Express charges.
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Scott Balber, an attorney for Agalarov and Kaveladze, said each of these transactions was legitimate and there is nothing improper with their financial activity. Balber explained that Agalarov sent funds to Kaveladze, an employee, to pay various business or personal expenses in the US.
They also learned that Kaveladze had given different banks radically different descriptions of one of his main companies, Corsy International. To JP Morgan Chase, Kaveladze said Corsy was a “transportation equipment and supplies merchant wholesaler.” He told Citibank it was a “music promotion company.” Agalarov gave yet another description to Morgan Stanley, calling the firm a “service provider” for his vast real estate company, Crocus Group.
Balber, the attorney, said that there are two separate businesses, both named “Corsy International,” that Kaveladze controlled. One is based in California and is involved in “procurement” issues related to Agalarov’s business empire. The other is based in New York and is largely involved with the music career of Emin Agalarov.
That lack of transparency made it difficult for bankers to know the true purpose of the funds into the company’s accounts. Examiners also became concerned with how Kaveladze handled the money.
Then on June 6, Agalarov started sending checks through an account at Morgan Stanley Wealth Management to Kaveladze’s company. Those funds totaled about $971,000.
When they reviewed these accounts, bank examiners became suspicious because it was unclear exactly how the money was supposed to be used.
For instance, at JP Morgan Chase, Kaveladze transferred money from one of his companies’ accounts to another and ultimately sent 24 payments over 15 months to American Express for a total of $725,000 — a red flag to bankers because they said it appeared Kaveladze was making the payments for Agalarov. The documents do not say what expenses were charged to American Express, and three federal law enforcement agents said investigators are still trying to figure it out. Balber said these transactions were legitimate personal and business expenses for Agalarov.
The details unearthed by bankers were compiled in “suspicious activity reports” sent to the Treasury Department’s Financial Crimes Enforcement Network, which shared them with other law enforcement agencies investigating Russian interference.
Suspicious activity reports are not evidence of wrongdoing, but they can provide valuable information to investigators looking into possible money laundering, fraud, tax evasion, or other financial misconduct.
During their reviews in 2017, some banks noticed behavior that they had not previously flagged. Bank of America, for example, noted about $7.8 million that was sent from Corsy International to another of Kaveladze’s businesses, Promomed, between 2012 and 2014. Bankers said they were concerned that by transferring funds from one company to another, Kaveladze was trying to obscure the original source of the money.
Kaveladze had popped up on Citibank’s radar in September 2015, when he applied for a $100,000 line of credit for Corsy International. At that time, he told bankers that the company had $8 million in sales the previous year and that it had about $240,000 in available funds — but when Citibank investigated further, examiners learned that Corsy International’s account was actually overdrawn.
Balber, Kaveladze’s attorney, said that his client did nothing improper, and that he doesn’t recall telling the bank about Corsy International’s available funds.
All three banks cited a 2000 report by the Government Accountability Office, in which Kaveladze was investigated as part of a Russian money laundering scheme. Kaveladze, that report found, established more than 2,000 corporations in Delaware for Russian real estate brokers, then set up US bank accounts for them. The brokers used these accounts to transfer about $1.4 billion, the report found.


Question: Explain the regulatory challenges related to cryptocurrency trading in India and the role of RBI in it.

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 Explain the regulatory challenges related to cryptocurrency trading in India and the role of RBI in it.

It has been two months since the Central Bank of India announced a blanket ban on regulated entities working with companies or individuals dealing in Crypto assets. The decision sent the Indian Crypto trading community running for shelter. The prices of cryptocurrency in India dipped by over 50% on the day.
In the two months, companies have reached out to the RBI, exchanges and individuals have filed appeals in High court and Supreme Court, petitions have been started and finally many individuals have raised RTIs.
On one side RBI denies any committee being setup to understand the usage of virtual currencies, but answers that RBI was member of an inter disciplinary committee setup to examine Virtual Currencies in 2017 by the Finance Ministry.
Perhaps, the answer is that RBI has not setup any committee but is part of committees. Imagine the same answer from a Doctor who has to operate on a patient – I have not setup a team to examine the patient, but I am in the team that examines the patient. Logically correct, but you’d want the Doctor who set up the team to make decisions right?
Why is RBI making a decision when RBI has done no research of its own?
The RTI questions if RBI did really consult with other central banks and their stance of Virtual currencies. RBI denied. That directly implies that the following task from RBI’s press release in 2013 never really took place.
How was the Risk determined if there was no committee setup?
Has RBI ever attempted to understand the technology of Peer-to-peer time stamped, non editable transactions?
Which Media Reports have RBI taken cognisance from?
How did RBI reach this conclusion of deciding to terminate offer of all services by entities regulated by RBI ? Please share the minutes of the committee meetings held in this matter which drew such conclusion.
Was an Expert opinion seeked?
Will RBI prohibit from Procuring currencies from out of India?
Is RBI proposing to bring a comprehensive regulatory framework on virtual currencies ever ?
Will RBI entertain a face to face presentation by the applicant / known subject matter experts on the matter of Blockchain technology and its merits, especially, in the field of financial sector and how the same can be used for public interest along with what model policy framework can be drafted to crackdown on illicit use of this technology?
At the end of the day we have to wait until Supreme court judgement on RBI’s decision about Virtual Currencies. But the RTI application can be used by the lawyers in court to prove that RBI has not gathered adequate data to virtually ban crypto currencies in India.
You can read the full RTI application and response here.


Question: What is going on with Merrick Garland's nomination to the Supreme Court?

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 What is going on with Merrick Garland's nomination to the Supreme Court?

Will Trump get Merrick Garland confirmed?
Thursday marks 50 days since President Barack Obama stood in the White House’s Rose Garden to announce Judge Merrick Garland as his pick to succeed Supreme Court Justice Antonin Scalia.
The day has come and gone when, if this nomination had proceeded like any of the ones that preceded it, Garland would have been due to begin confirmation hearings in the Senate.
Instead, the seemingly unchanged resolve of Senate Majority Leader Mitch McConnell and a circus-like presidential election have pushed Garland’s nomination largely out of public view. That doesn’t mean, however, that a small army of activists and political consultants have given up on pushing Senate Republicans on the issue, or that legal groups have stopped offering their own vetting of Garland and urging that he get a hearing. This week, Obama himself came out to stump on Garland’s behalf, giving a series of interviews to local reporters in key states.
Even if Republicans don’t cave and the election arrives without Garland on the court, Democrats at least have an issue with which to chip away at the Republican senate majority. “Obviously, Donald Trump is something that I’m going to be talking about, especially in regard to the Supreme Court,” Ohio Democrat and Senate candidate Ted Strickland told Politico this week.
Republicans profess to be unperturbed, maintaining their line that the next president should fill the seat. Their less-spoken logic is that the conservative base would be inflamed by the prospect of a fifth vote appointed by a Democrat outweighs any other political cost they’ll pay. Senate Judiciary Committee Chairman Chuck Grassley, who is up for re-election this year, even said Wednesday that he wasn’t worried about Trump potentially naming Scalia’s successor. “I think I would expect the right type of people to be nominated by him to the Supreme Court,” Grassley said.
“It resonates with people,” said Woodhouse. “It hits home with people because Washington not doing its job under Republican control is what everyone thinks about Washington.” In other words, if they’re lucky, the campaign will jibe with the anti-establishment sentiment witnessed among both liberals and conservatives in the presidential primary—ironically, on behalf of the not exactlyrenegade chief judge of the United States Court of Appeals for the D.C. Circuit.
The operation is now expanding from six initial states and senators targeted in the last congressional recess — New Hampshire with Sen. Kelly Ayotte, Iowa with Sen. Chuck Grassley, Illinois with Sen. Mark Kirk, Wisconsin with Sen. Ron Johnson, Ohio with Sen. Rob Portman and Pennsylvania with Sen. Pat Toomey — and adding North Carolina, Arizona and Missouri to its list.
A much-touted RedState article called for Republicans to confirm Garland now as the lesser of two evils. With Trump at the top of the ticket, “Republicans must know that there is absolutely no chance that we will win the White House in 2016 now,” wrote Leon Wolf. “They must also know that we are likely to lose the Senate as well.” Better then to avoid a Clinton appointee in 2017 who could be younger and more liberal than Garland. So far, however, conservatives for Garland seems to be an outlier.
Contentious hearings and even rejections of Supreme Court nominees are not an anomaly; all but ignoring the president’s pick is. Still, key legal groups are trying to maintain some semblance of normalcy. On Thursday, the Lawyers’ Committee for Civil Rights Under Law released its report on Garland’s record on civil rights, including criminal justice and anti-discrimination law.
The report, though generally positive on Garland, notes that there is much that isn’t known about his record on many civil rights issues because of the administrative law focus of the D.C. Circuit. “I think that it is important that we now have hearings so that we can fully understand, and so that the public can understand, the kind of jurist that Judge Garland will be,” said Kristen Clarke, the group’s president.
That deadlock is already partly underway. The court has recently shown a reluctance to take as many new cases as it has in previous years. In some cases, the effect may be positive for liberal policy goals. A 4-4 decision in a key union case this term left intact the current arrangement by which public sector unions are funded, thanks to an earlier win at the liberal 9th Circuit Court of Appeals. Coming decisions on immigration, abortion rights and contraception may end in a tie, too, effectively leaving in place lower court decisions and limiting the impact to parts of the county.
Like it or not, will an eight-member court last? That, again, depends on what happens in the election.


Question: Describe the performance of South, East and Southeast Asian teams at the recently concluded World Championships of Beach Ultimate.

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 Describe the performance of South, East and Southeast Asian teams at the recently concluded World Championships of Beach Ultimate.

Here is the second instalment of Asian Ultimate Life’s coverage of the World Championships of Beach Ultimate, recently completed in Dubai, United Arab Emirates.
Here are scores, videos and some of my observations from the performances of South, East, and Southeast Asian teams in Dubai.
At the end I feature the overall spirit results for Asian teams as well.
This was a game that showed me a lot of what worlds was about. Here we had a matchup in which there was a heavy favorite and a team that not many outside of Asia knew much of. If you looked at the stats, it seemed like your standard 11-7 solid victory. Canada broke India half the times they pulled and their offense team only lost one point.
Watching the game told you a different story though. The Indians actually executed quite well and their energy level was very high. They were not afraid to put the disc up against a very athletic Canadian team and did find some success. How each team felt about the game was pretty clear during and after handshakes. If you didn’t know the result you would have guessed that India had come out victorious, their heads were held high, smiles all around. The Canadians, on the other hand, were clearly not happy about how the game went, even though they came out with the win.
This was a great start for the India campaign.
I had to come check out this all-Asia matchup. Because that’s how I roll.
This game was a lot tougher for India than their first. Not necessarily because the Dragons were better than the Canadians, but the matchups were a lot tougher.
India was still executing well, but much of their game is about big throws to streaking cutters. The Philippines mixed team featured one of the fastest teams beach ultimate has seen especially in their women. The closing speed of the Dragons took away a lot of the Indian attack. When the Dragons had the disc, the Indians had trouble with the fast female cutters, and when the Philippines were receiving the pull, India had to deal with three of them every time.
The Philippines faced a gutsy Indian side but just had too much speed.
This is why you go to Worlds. I’m not sure how often in international sporting events India and Uganda find themselves on the same field, but it’s rare (and yes, I checked cricket). And how often will you find two of the most energetic teams in a competition matched up against each other and come down to one point for the victory? And how often will those two teams end up on the dance floor together two nights later rocking out at a party hosted by an imaginary island?
Universe point. India looks deep, turn. Uganda turn. India drop. Uganda goes two a two person game. India locks down and gets the turn. At this point I think it was India’s fitness and the hard work they put in off the field that kicked in. Starting with that defensive stand, they started to outrun Uganda. They worked it down and finished the game woman-to-woman (Sneha to Megna [each of their first stats for the game]) for the score and the win.
The Czech Republic came out fast taking half at 7-2. India worked themselves back into the game, taking advantage of some Czech errors. The Czechs were able to get it together enough to hold off the Indian charge and hold onto a slight victory.
The Brits had a definitive size advantage and played quite physically, but the Dragons came into the weekend expecting this. There were mistakes both ways, but it was clear that the Dragons had spent a lot of time training together and were able to pull out the tight victory.
This was a game I was really looking forward to. I was especially excited to see the the female matchups. The fast Filipinas and the tall and fast Swedes. This was all the battle you could have wanted. The Swedes, like the Dragons other opponents, used their height with hucks, some of which were just out of reach of the flying Maimai.
The Dragons were precise, though made some mistakes, but overcame them with quickness.
The finish of this one was pretty interesting. The Swedes, if you take a look at the mixed division spirit scores, were at the bottom. This was a common place for Swedish teams at WCBU. At the end of the game, Nelson made a sweet layout grab for the win, right against the line. In? Out? the teams shook hands, the Swedes not contesting or interested in discussing the grab.
A Swedish grandmasters player whom my team had just lost to was filming the game. The tape shows pretty clearly that Nelson’s first point of contact was on the line. As it should have been, the call was kept on the field and the game was over.
When the disc was near the ground, the Dragons showed a solid speed advantage. Great Britain was tall and used their height well, along with having very solid skills. The Dragons went down a couple early. They fought hard down the stretch but were never able to make up the early deficit.
When I arrived the score was 7-0. Denmark couldn’t hang defensively with the speedy Filipinos.
This game was awesome and it was a bummer it wasn’t covered by the film crew.
Denmark was tall. It looked like the Singaporeans were standing in sand.
The Danes used this a lot and were not afraid to put the disc in the air. They also seemed to have a decent experience advantage over a Singaporean team that didn’t seem to have spent as much time in the sand together.
These are the combined spirit scores awarded Asian teams by their opponents (Out of 20).
For updates and more Asian Ultimate coverage check out the Asian Ultimate Life facebook page and follow us on twitter at @asianultyblog.


Question: Describe the state of refugees and migrants under the EU-Turkey deal one year later.

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 Describe the state of refugees and migrants under the EU-Turkey deal one year later.

Refugees and migrants line up for food distribution at the Moria migrant camp on the island of Lesbos, Greece, October 6, 2016.
Somali refugee Abdulaziz says he is "suffocating" in an overcrowded camp on the Greek island of Lesbos, where he shares a tent with a dozen other Africans.
The 30-something resident of the Moria camp had been hoping to reach Germany when he set off on his journey, but instead is stuck on this Greek island off Turkey's western coast waiting for his asylum claim to process.
"It's like a prison here. ... I'm suffocating," said Abdulaziz who has been languishing in the camp for the past eight months.
"There is always someone screaming, always fights," said Abdulaziz, who was injured in the leg while fleeing from Turkish police.
He is just one of the thousands of migrants and refugees stranded on Greek islands a year after Turkey signed a landmark agreement with the European Union to substantially reduce migrant flows.
Ankara and Brussels forged the deal on March 18, 2016.
In the agreement, which took effect two days later, Ankara pledged to take back all illegal migrants landing in Greece in order to help stem migrant flows to the EU.
The deal helped put the brakes on a massive influx of migrants and refugees, especially from Syria, Iraq and Afghanistan, which had mushroomed into a combustible political and social issue in Europe.
Turkey's pledge, in exchange for more aid, visa-free travel and the speeding up of Ankara's long-stalled EU accession talks, was also aimed at deterring migrants from making the perilous sea crossing in the first place, knowing they could be sent back.
Some 1,183 migrants were returned to Turkey in the year ending in January, Greek police figures show.
But, along with a series of border closures in the Balkans and eastern Europe last year, the EU-Turkey deal has transformed the Greek islands into vast holding pens for refugees and migrants.
Many of the camps are overcrowded and there are frequent clashes, with those inside tired of the long wait for asylum papers and fearful of being returned to Turkey.
On Lesbos, there are nearly 5,000 people in camps nominally built to hold 3,500, according to government figures.
The Greek immigration ministry has refused to permit large-scale relocation from the islands to the mainland, fearing that such a move could jeopardise the EU-Turkey agreement that has helped stem further arrivals to the continent.
Conditions at Moria, a camp that has long been plagued by poor living standards and overcrowding, have improved, said Achilleas Tzemos, a field coordinator with Doctors Without Borders (MSF).
The relocation of the most vulnerable, including unaccompanied migrant children and torture victims, has accelerated with at least 10,000 moved elsewhere, according to the UNHCR. But those who stay suffer with uncertainty at the very least.
"Not knowing what awaits them subjects them to a great deal of fear," Tzemos said.
According to MSF there has been a "sharp increase" in self-mutilations and suicide attempts.
The United Nations children's agency on Friday said the EU-Turkey agreement had increased suffering notably among children, despite curbing migrants flows.
"While there has been a major decrease in the overall numbers of children on the move into Europe since last March, there has been an increase in the threats and distress refugee and migrant children endure," UNICEF's migrant crisis coordinator Afshan Khan said in a statement.
In the past year, 851 people whose asylum claims were rejected or who simply gave up, were returned to Turkey, according to Greek police figures.
Even people entitled to international protection gave up, lawyers said, because they didn't understand the procedural mechanisms, or because they needed to escape the misery of the camps.
"Information is essential" for refugees, said Philip Worthington, a project coordinator at the European Lawyers association in Lesbos.
During one asylum interview, he said an Iraqi exile highlighted his qualities as a truck driver rather than the persecutions he suffered because of his Christian religion.
The EU is starting to cope with the situation, which refugees' rights organisations have criticised as a humanitarian scandal.
Rising tensions between residents and migrants, media images of flimsy tents crushed under heavy snow falls, and the deaths of three migrants at the Moria camp in January, for reasons still unclear, have galvanised Greek authorities.
The war of words between the EU and Turkey over the migrant deal has escalated in recent days after Ankara blasted Germany and the Netherlands for preventing Turkish ministers from campaigning ahead of a key April referendum.
The EU said it expects Turkey to honor the deal after Ankara threatened to bin it.


Question: Describe the efforts PNW for Puerto Rico is taking against the effects of the hurricanes.

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 Describe the efforts PNW for Puerto Rico is taking against the effects of the hurricanes.

Giving hope for a better future for all Americans in Puerto Rico by returning houses to homes, helping to ensure healthy and self-sustaining communities, asisting with education, and health in the public schools, and treating every person with dignity and respect.
PNW for Puerto Rico is providing short to long-term assistance until human lives are no longer in danger and restored to some kind of normalcy.
These provide the foundation of our works actions.
We take care of the particular needs of communities and individuals affected by the hurricanes and provide the type of proper relief aid needed as time goes by.
With many stores, businesses, crops, farmers, and restaurants out of business in the towns and small cities, there is little to no work, It will take time to rebuild and get the jobs back. Until then, assistance is needed.


Question: Can you explain the difference between 'further' and 'farther'?

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 Can you explain the difference between 'further' and 'farther'?

‘Further and ‘farther’ are two similar sounding words that have similar connotations of usage too. The difference in a first glance is only with respect to the second letter of the two words, and they are used almost interchangeably in the daily parlance. The fact is that there is a world’s difference between the two words. This is a clear instance underscoring the difference a single letter can make when used in two words.
Farther is primarily an adverb. Further too is an adverb; but it is also used as an adjective. Both mean the same when used to refer to the concept of distance. However, there are some shades of difference in the meaning of these words and it is this that makes the speaker of English confused about the words.
The words ‘farther’ and ‘further’ are two words in every day usage and it is very easy to get confused. These two words are simple too. However, an erroneous usage of the two might result in a serious derailment of the whole script affecting the very quality of the writing. Hence, it is imperative that one should be proficient enough in using these terms.
The term ‘farther’ denotes something that is distant in space. It notates physical advancement. However, ‘further’ as an adverb means an advancement in time. It also means something additional to the present. When you use ‘further’ as a verb, it refers to the act of advancing something. ‘Further’ is more abstract and cannot be considered as describing a physical or tangible entity.
As mentioned earlier, ‘farther’ refers to an actual physical distance. When you use farther, you can actually measure the extent of its distance. It can be felt and observed. It can be seen and felt.
‘Further’ does not give any definite concept of distance that can be seen and learned. Because of its very abstract nature, the term can be used figuratively too. This can be explained with the example of a sentence. ‘She moved further in her career path with countless victories to her credit.’ In this sentence, the distance that the term ‘further’ is referring to cannot actually be measured in terms of centimeters or kilometers as it has been used metaphorically.
Now consider this sentence, ‘He furthered his education.’ The word is used as a verb, denoting an action. Further here means to add up, to increase or to enhance. As a verb, it is easy to discern.
1.Both ‘farther’ and ‘further’ are adverbs. But ‘further’ is also used as a verb.
2.’Farther’ denotes a physical entity. Thus when we describe something using the word, we can really observe, feel and measure for ourselves.
3.’Further’ is an abstract concept. It refers to distance when used as the adverb. However sometimes, the word is used figuratively or metaphorically. In such cases, the distance that the word is referring to cannot be really observed and measured. Hence the word encapsulates an element of abstractness in it.
4.The word ‘further’ as a verb means additional. It means adding up to something.
lancetana. "Difference Between Further and Farther." DifferenceBetween.net. June 8, 2016 < http://www.differencebetween.net/language/difference-between-further-and-farther/ >.
Thanks for the clarification. When talking about 2 people drifting apart, have they drifted “farther” or “further” apart? We are talking about distance, but more in the abstract.
That depends. Are the two people in separate boats? Then they are drifting farther apart. If it’s a relationship, then they are drifting further apart.
A very succinct response! I would like to use it.
An excellently written explaination. Well expressed and the use of the examples was great as well.
I’m keeoing this site for future reference.


Question: What is Platycerus delagrangei?

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 What is Platycerus delagrangei?

Platycerus delagrangei is a species of stag beetle, from the Lucinidae family and Lucaninae subfamily. It was discovered by Léon Fairmaire in 1892.


Question: What do you know about the UFO sighting at Minot Air Force Base in 1968?

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 What do you know about the UFO sighting at Minot Air Force Base in 1968?

In the early morning hours of 24 Oct. 1968, United States Air Force (USAF) maintenance and security personnel stationed within the Minuteman, Intercontinental Ballistic Missile (ICBM) complex surrounding Minot AFB, North Dakota, observed one—and at times—two UFOs. The Minot Base Operations dispatcher initiated radio communications with personnel reporting in the field, Minot, Radar Approach Control (RAPCON), and the crew of a returning B-52H aircraft.
RAPCON alerted the pilots to the location of a UFO, which the B-52 navigator observed on the radarscope maintaining a three-mile distance throughout a standard 180° turnaround. As the B-52 started its descent back to Minot AFB, the UFO appeared to close distance to one mile at a high-rate of speed, pacing the aircraft for nearly 20 miles before disappearing off the radarscope. Both B-52 UHF radios would not transmit during the close radar encounter with the UFO and radarscope film was recorded.
Shortly afterwards, RAPCON provided vectors for the B-52 to overfly a stationary UFO on or near the ground. After turning onto the downwind leg of the traffic pattern, the pilots observed a large, illuminated UFO ahead of the aircraft for several minutes, before turning onto the base leg over the UFO while observing it at close range. After the B-52 landed, both outer and inner-zone intrusions alarms were activated at the remote missile Launch Facility Oscar-7. The duration of reported observations was over three hours.
USAF Strategic Air Command, Offutt AFB, Nebraska, initiated inquiries. In the weeks following, staff at USAF Project Blue Book, Wright-Patterson AFB, Ohio, completed a final case report mandated by Air Force Regulation 80-17.


Question: Respond in 4 sentences. Describe the Bentley Grand Convertible.

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 Respond in 4 sentences. Describe the Bentley Grand Convertible.

The Bentley Grand Convertible is a four-seat, luxury convertible concept car from Bentley Motors. The car debuted at the 2014 LA Auto Show.
Like its predecessor, the Azure, the Grand Convertible rides on the platform of Bentley's current luxury saloon, the Mulsanne. It uses the Mulsanne Speed's 6 3/4 liter turbo V8, putting out and of torque.


Question: What's the latest news on home energy storage?

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 What's the latest news on home energy storage?

London 16 April 2018. Rechargeable batteries are said to be a way to extend the appeal of rooftop solar installations, storing the energy generated during the day for use at night. Home energy storage looks set to become big business: Tesla has already entered the marketplace, looking to apply its expertise in batteries to generate a new source of income. Other big-name motor manufacturers are expected to follow.


Question: "What do we know about the genetic roots of depression?"

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 "What do we know about the genetic roots of depression?"

This is compelling evidence that depression is a real illness.
Depression affects approximately 322 million people worldwide, making it the largest contributor to global disability. However, the fact that depression is an actual illness rather than a mood is only beginning to gain traction. Advances in the genetic basis of depression is helping that happen: In 2015 scientists discovered the first two genetic markers linked to the development of major depressive disorder, and on Monday, researchers reported in a new study that the genetic link is even more profound.
In a paper published in Nature Communications, an international team of scientists reveal 80 more genes that are linked to depression. This discovery, they write, will help explain why some people are more likely to become depressed and may lead to the development of new treatment drugs.
Brains of depressed people have a mild decreased frontal lobe blood flow.
This study bolsters support for the theory that depression can be, at least in part, hereditary. Previous studies on twins found that the heritability of major depression disorder is estimated at 37 percent, although factors like being female and living in areas of greater social deprivation affect the development of depression as well.
At least 10 percent of Americans will experience major depressive disorder at some point in their lives — a huge number that underscores our need for answers. The authors of this new study write that because depression is a heterogeneous condition, there’s a need for even larger studies on its genetic roots in order to “improve diagnosis, treatment, and patient outcomes.” These nearly 80 genes linked to depression are there; now it’s time to see what doctors can do with that information.


Question: Explain the importance of retirement savings, and why automatic enrollment in retirement accounts helps investors save more.

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 Explain the importance of retirement savings, and why automatic enrollment in retirement accounts helps investors save more.

Fidelity and Vanguard have recently reported that the value of the average retirement fund has risen in the last year.
Automatic enrollment in retirement accounts is helping investors save more.
But, when faced with a complex choice of making a retirement investment, many still decide to opt into the "no decision" mode and don't sign up at all.
It's true the value of retirement funds has risen as the market has soared: Fidelity and Vanguard have recently reported that the value of the average retirement fund has risen in the last year.
Automatic enrollment in retirement accounts is helping investors save more. As of the end of the second quarter, 33 percent of Fidelity's 22,600 401(k) plans auto enrolled new employees, more than double the percentage (15 percent) that did so in 2008. Bigger companies have an even higher success rate.
At Vanguard, the average 401(k) account value for an investor age 65 and older is $209,984. This sounds like a pretty good number, and it is, but there's a problem. That number is pulled higher by a smaller number of "super savers" and high income earners.
Part of the low savings rate can be explained by the fact that enrollments in 401(k) plans have increased in recent years, which means that those new accounts have relatively small balances. But often it's because many participants still don't contribute the full amount they are allowed to contribute, and many lack the proper planning skills to make retirement decisions.
When faced with a complex choice of making a retirement investment, many still decide to opt into the "no decision" mode and don't sign up at all. Only 72 percent of eligible employees are enrolled in their employer's voluntary savings program, according to Vanguard.
More automatic enrollment in retirement accounts. Vanguard, in its annual report entitled "How America Saves 2018," noted that plans with automatic enrollment have a 92 percent participation rate, compared with a participation rate of just 57 percent for plans with voluntary enrollment.
"Our challenge is to encourage more individuals to take advantage of these workplace savings plans," said Jean Young, senior research analyst in the Vanguard Center for Investor Research and lead author of "How America Saves." "Plan sponsors can help their employees move the dial even further by defaulting at higher savings rates, and implementing annual increases."
Finally, if it sounds like I am obsessed with how to get the retirement savings rate up, it's with good reason. The other two "legs" of the retirement "stool," Social Security and pensions, are increasingly under pressure.
As of January 2017, the average retiree receives $1,360 a month from Social Security. That's $16,320 a year. About one-third of adults over 65 also collects a pension, but it's not a large amount of money. The median private pension was only $9,376 a year, according to the Pension Rights Center (state, local and federal pensions were higher).