![]() The tool will help you secure your finances, accounts, email and identity. Select ‘My information has been lost or stolen’ and follow the prompts. ![]() Follow the steps in the ACSC tool ‘ Have you been hacked?’ to find out what you can do if your information has been breached.Consider contacting the organisation that has been breached to find out what personal or sensitive data has been compromised. If you are informed of a breach, or read about one in the media, make sure you understand what data may be affected. What do I do if my data has been breached? Input your email address or phone number to find out if you’ve been implicated in a known breach. Visit the Office of the Australian Information Commissioner data breaches page for more information, and to find out what to do if you are told about a data breach.ĭetails of publicly-known breaches may also be available at Have I Been Pwned. You might also learn about data breaches through the ACSC's Alert Service. You may hear about a data breach directly from an affected organisation, or read about a breach in the media. How will I know if my data has been breached? The ACSC’s guide Protect Yourself: Data Security is a great place to start. Securing your devices and accounts can reduce the impact of having your data leaked or stolen.If less secure platforms are breached your log-in credentials and other details may become available on the dark web. Don’t create online accounts unnecessarily. ![]() A password manager can help generate or store different passwords for you. If you reuse passwords and any of your accounts are compromised, all of your accounts could be at risk.
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MarketWatch is published independently from Dow Jones Newswires and The Wall Street Journal.Ĭopyright (c) 2023 Dow Jones & Company, Inc.Waterfall Asset Management, LLC is an SEC-registered institutional asset manager focused on structured credit (asset-backed securities and loans) and private equity investments. This content was created by MarketWatch, which is operated by Dow Jones & Co. Related: As cities push to turn offices into homes, a key New York developer says a significant factor is being ignored "That's part of where we will get our supply," Capasse said. Banks can pledge Treasurys and agency mortgage bonds, in exchange for liquidity, but not commercial real-estate loans. The Fed in March created an emergency program for banks to avoid forced sales of "safe" but rate-sensitive assets. While headwinds continue to gather for commercial real estate, banks' balance sheets remain awash in "safe," but underwater assets as the Federal Reserve has quickly jacked up rates to fight inflation, making older, lower coupon bonds worth less. The Dow Jones Industrial Average was less than 2% lower from a year ago, while the S&P 500 was off by about 6%, through Friday. The Dow Jones Equity REIT Index XX: DJDBK was down almost 22% from a year ago, while other REITs were down closer to 25%, according to FactSet. stocks have rallied to start 2023, but REITs have yet to catch a break. "That impasse is only going to be broken by distressed sales," he said, pegging office properties as the first shoe to drop. "For now, it's more of a fact-finding mission at this point," Capasse said of buyers and sellers who aren't yet agreeing on price. It's an area the International Monetary Fund pointed to earlier this week as a potential source if financial instability. It also is a lender in the sector, where banks have recently retrenched.Ĭoncerns in this cycle have been centered on smaller banks will less than $250 billion in assets, which account for three-quarters of commercial-real estate bank lending. Ready Capital has been one of the biggest buyers of distressed small-balance property loans, with some $5 billion of total purchases in past down cycles. "Our trading desk is definitely hearing more inquiries from potential sellers of select, target portfolios from smaller and midsize banks," he said, adding that this activity picked up since the collapse of Silicon Valley Bank and Signature Bank in March. "We've seen this movie before," Capasse said. But he also anticipates enough distress coming down the way to gear up Waterfall, and its small-balance loan affiliate Ready Capital, to seize the moment. Instead, Capasse sees an more orderly process of loan sales from lenders able to better absorb some level of loss, rather than the flood of bank failures that led to the RTC and fire sale prices. "People who say this is the new RTC, they are like Chicken Little," Capasse told MarketWatch "That's not going to happen." Back in the 1980s, he was helping Merrill Lynch navigate the Resolution Trust Corporation (RTC), a sweeping federal program that purged problem assets from failed banks, but also built the early fortunes of real estate titans Barry Sternlicht and Thomas Barrack. Waterfall closed a new $485 million Atlas Fund this week to invest in commercial real estate, distressed loans and bonds.Ĭapasse had a front-row seat to four decades of past commercial real estate boom and bust cycles. Ready Capital is externally managed by Waterfall Asset Management, an alternative investment manager with $11.6 billion in assets. See:Fed needs to keep raising interest rates, Waller says ![]() It is going to have a traditional cyclical decline in real estate," he said. "You are going to see a lot more of that in the office sector."Īfter an era of easy credit and low interest rates, property values are expected to fall, eroding the equity that borrowers have in properties and likely leading to climbing defaults. (RC) and co-founder of Waterfall Asset Management, of landlords walking away from properties or handing the keys back to lenders. "You are going to see strategic defaults," said Capasse, CEO of Ready Capital Corp. commercial real-estate market.īut Capasse does see a wave of distress unfolding in the coming months as more borrowers buckle under the weight of higher interest rates, tighter credit and other pandemic aftershocks. ![]() Tom Capasse, a veteran of distressed property investing, won't say the sky is falling when it comes to a credit crunch bearing down on the estimated $21 trillion U.S. Capasse's Waterfall Asset closes a new $485 million Atlas Fund to invest in commercial real estate, distressed loans and bonds ![]() ![]() Representation of Functions as Power Series. Media sites for Avery Point campus weather cancellation Each quiz is worth 10 points and only best 10 will count toward the total of 100 points.įinal Exam: Tuesday, May 2, 11:00a.m. I intend to give at the beginning of each class a quiz. The total weight of the homework grades is The homework for Math 1132 is assigned online using the WebAssign online homework system. Textbook Information: EITHER Calculus: Early Transcendentals (this includes Multivariable Calculus), 8th Edition, by James Stewart OR Single Variable Calculus: Early Transcendentals, 8th Edition, by James Stewart: It is important that you attend every class. The pace of the course is very very rapid. The main topics are: application and techniques of integration, sequences and series, improper integrals. MATH 1132 covers material from 6-11 chapters of the textbook. Open Door Policy: You are welcome to drop by to discuss anyĪspect of the course, anytime, on the days I am on campus- Tuesday, Thursday, and Friday. Although a majority of theorems are proved in the text, some of the more difficult proofs are given in Appendix F. Section 1.4, for example, on the precise definition of the limit is an optional section. The instructor can follow an appropriate course between intuition and rigor by choosing to include or exclude optional sections and proofs. Enough mathematical detail is presented so that the treatment is precise, but without allowing formalism to become obtrusive. I want students to share some of that excitement. Newton undoubtedly experienced a sense of triumph when he made his great discoveries. In this edition, as in the first two editions, I aim to convey to the student a sense of the utility of calculus and to develop technical competence, but I also strive to give some appreciation for the intrinsic beauty of the subject. I have tried to write a book that assists students in discovering calculus - both for its practical power and its surprising beauty. With Calculus, Eighth Edition, Stewart conveys not only the utility of calculus to help you develop technical competence, but also gives you. EXCERPT: PREFACE - The art of teaching, Mark Van Doren said, is the art of assisting discovery. Success in your calculus course starts here James Stewart's Calculus texts are world-wide best-sellers for a reason: they are clear, accurate, and filled with relevant, real-world examples. CONTENTS: Review and Preview 1 Limits and Rates of Change 2 Derivatives 3 The Mean Value Theorem and Curve Sketching 4 Integrals 5 Applications of Integration 6 Inverse Functions: Exponential, Logarithmic, and Inverse Trigonometric Functions 7 Techniques of Integration 8 Further Applications of Integration 9 Parametric Equations and Polar Coordinates 10 Infinite Sequences and Series 11 Three-Dimensional Analytic Geometry and Vectors 12 Partial Derivatives 13 Multiple Integrals 14 Vector Calculus 15 Differential Equations Appendixes Index. COVER DESIGN: Katherine Minerva, Vernon T. PRODUCTION COORDINATION: Kathi Townes, TECHarts. MARKETING TEAM: Patrick Farrant, Margaret Parks. NOTE: Cover contains the following sticker - "Free 30-day trial CD of SCIENTIFIC NOTEBOOK enclosed! THIS CD IS MISSING FROM THE BOOK AND IS NOT INCLUDED. ![]() ![]() BOOK: Corners, Spine, Boards Bumped Light Shelf Rub to Boards Edges Lightly Soiled. Due to the weight of this volume, it can only be shipped to delivery addresses located within Canada and the United States. ![]() Whereas differing wavelengths in light are manifested as differing colors, a change in sound wavelength indicates a change in pitch. Wavelengths for visible light range from 400 (violet) to 700 nm (red): hence, it would be possible to fit about 5,000 of even the longest visible-light wavelengths on the head of a pin! Light waves, on the other hand, have a wavelength, typically measured in nanometers (nm), which are equal to one-millionth of a millimeter. The waves by which sound is transmitted are larger, or comparable in size to, the column or the door-which is an example of an aperture-and, hence, they pass easily through apertures and around obstacles. Longitudinal waves radiate outward in concentric circles, rather like the rings of a bull's-eye. Sound travels by longitudinal waves, or waves in which the movement of vibration is in the same direction as the wave itself. The reason for the difference-that is, why sound diffraction is more pronounced than light diffraction-is that sound waves are much, much larger than light waves. But, if you moved away from the door and stood with your back to the building, you would see little light, whereas the sound would still be easily audible. And if you stood right in front of the doorway, you would be able to see light from inside the concert hall. The sound quality would be far from perfect, of course, but you would still be able to hear the music well enough. Suppose, now, that you had failed to obtain a ticket, but a friend who worked at the concert venue arranged to let you stand outside an open door and hear the band. Light waves diffract slightly in such a situation, but not enough to make a difference with regard to your enjoyment of the concert: if you looked closely while sitting behind the post, you would be able to observe the diffraction of the light waves glowing slightly, as they widened around the post. But you have little trouble hearing the music, since sound waves simply diffract around the pillar. You cannot see the band, of course, because the light waves from the stage are blocked. Imagine going to a concert hall to hear a band, and to your chagrin, you discover that your seat is directly behind a wide post. C OMPARING S OUND AND L IGHT D IFFRACTION Our top 10 brands include captains of industry like Creed, Calvin Klein, Yves Saint Laurent and Gucci. We have more than 200 authentic designer perfumes from across the globe and our catalogue is always growing.Īmong our bestsellers, you’ll find the likes of Bvlgari, Dior, Issey Miyake and Versace. We can proudly bring you the largest range of luxury designer perfumes at a cost-effective and competitive pricing structure. Now, we have the largest stock of rare perfumes from across the globe which means you too can now immerse yourself in the captivating scent of your favourite designer. And, so, we went ahead and did some research on the most sensual and exclusive perfume brands available. It can leave as memorable an impact as a designer suit, killer heels or diamonds would on those in your company. Your fragrance is a crucial part of your outfit. My Perfume Shop understands that having a signature scent is important. And with a wide variety of luxurious, designer fragrances available, there’s no reason to ever smell less than exquisite. This means your fragrance can help you leave a lasting impression when you need it the most. In fact, according to psychologists, smell is the sense most closely related to memory. Kendall looks fabulous but if you’re not paying attention you could miss the fact that the ad is about perfume.Your perfume might be invisible but it can be the most dominant accessory you wear. So if you want to be like her then you too should use this perfume.Ĭome to think of it, the way the average consumer’s mind works, this might be all that’s needed to sell the perfume, is to show Kendall spritzing some on while looking gorgeous. ![]() We’re guessing what we’re supposed to think is, here’s a beautiful, confident girl who has everything AND she wears Estee Lauder Modern Muse Le Rouge Eau de Parfum Spray. In the ad you see the perfume just once with Kendall spritzing some on at a time when a woman is unlikely to stop in the middle of her tracks to spritz on perfume. The product Kendall is advertising Image via ![]() So you would think that would make collaborating with Kendall a genius decision on the part of Estee Lauder but are they trying to get their perfume sold or are they just trying to show off Kendall? Our impression of the Kendall Jenner Estee Lauder Modern Muse Le Rouge perfume ad Image captured from youtube vidoe – Modern Muse Le Rouge Featuring Kendall Jenner | Estée Lauder We think there’s a risk girls will come away just feeling like they wish they could be as lucky as Kendall and wanting to try to imitate her look more than they will be wanting to buy the Modern Muse Le Rouge Eau de Parfum Spray. We have to say (and if we were Estee Lauder this should concern us) – we were more sold on the sexy patent red stilettos, the sexy red pant suit and the vibrant red lipstick than on the product that the ad is supposed to be trying to get us to buy. Whether people like it or not, Kendall continues to make her mark.Ĭheck out the ad for yourself and tell us if you agree. On the way over to we came across headline after headline calling Kendall “red hot” in her new Estee Lauder perfume ad. ![]() So we swung by the Estee Lauder site to check it out. Kendall recently announced via her Instagram page that her first Estee Lauder ad was out. Seems like Kendall’s been the girl of the moment for a long minute. Was it Karl Lagerfeld who was quoted a while back saying Kendall is the girl of the moment? ![]() But we imagine it must be paying dividends for them as well. The Kendall Jenner Estee Lauder collaboration is paying dividends for Kendall Jenner. It is the first piece of animated Mario media since the cancellation of Super Mario World in 1991 (and to a lesser extent, Donkey Kong Country in 1998-2000 due to DK's involvement in the film), and the first piece of Nintendo animated media not related to the Pokémon franchise note Nintendo has little to no involvement in the anime series, its movies, or even Pokémon Detective Pikachu, though the Mario movie's distributor, Universal, was set to release that film before it Channel Hopped to Warner Bros. in the games, also makes several cameos, including as Mario and Luigi's father and a heavily-accented man named Giuseppe. Charles Martinet, the main voice actor for the Mario Bros. ![]() Also appearing are Fred Armisen as Cranky Kong, Sebastian Maniscalco as Foreman Spike, and Kevin Michael Richardson as Kamek. The All-Star Cast of the film features Chris Pratt as Mario, Anya Taylor-Joy as Princess Peach, Charlie Day as Luigi, Jack Black as Bowser, Keegan-Michael Key as Toad, and Seth Rogen as Donkey Kong. Series creator Shigeru Miyamoto produced the film alongside Illumination CEO Chris Meledandri. Brian Tyler is the composer of the film's score, collaborating with Koji Kondo to integrate the iconic leitmotifs from the games. But his budding friendship with the princess ( with subtle hints of it becoming more) doesn't sit well with Bowser, who seeks to claim her hand in marriage-and with the mighty Super Star in his grasp, he could burn the Mushroom Kingdom to ashes if he doesn't get what he wants.Īaron Horvath and Michael Jelenic of Teen Titans Go! fame directed the feature from a screenplay by Matthew Fogel ( Minions: The Rise of Gru, The LEGO Movie 2: The Second Part), while Dick Figures co-creator Ed Skudder is the head of story. Guided by Peach and armed with sheer determination, Mario sets out to stop Bowser's invasion and rescue his beloved brother. Starting out as simple Brooklynites looking to earn some recognition with their new plumbing business, they stumble upon a magical Warp Pipe that whisks them to another world, but in two different places: Mario winds up in the idyllic Mushroom Kingdom protected by Princess Peach, while Luigi is stuck in the Dark Lands, where the evil King Bowser reigns supreme. ![]() became the heroic defenders of the Mushroom Kingdom. The plot is an origin story of how the Mario Bros. ![]() It is the third feature film adaptation of the series, after the anime film The Great Mission to Save Princess Peach! in 1986 and the live-action Super Mario Bros. Movie is a CGI animated film by Illumination Entertainment in association with Nintendo, in the latter's first-ever hands-on role in a theatrical movie, based upon - what else? - their long-running Super Mario Bros. Let's hear it for the SUPER MARIO BROTHERS! Customers are liable for all importing taxes and/or duties payable in the destination country outside the UK. Please be aware that most of international deliveries will incur local importing taxes. Shipping insurance is included in shipping cost. We do not ship to the following countries: Afghanistan, Angola, Cuba, Eritrea, Ethiopia, Germany, Iran, Iraq, Kyrgyzstan, Liberia, Myanmar, Nigeria, North Korea, Rwanda, Sierra Leone, Somalia, Sudan, Syria, Tajikistan, Turkmenistan, Uzbekistan, and Zimbabwe and any other country where their local legislation decrees insurance must be effected locally.Īll of our packages are 100% insured. It still draws on important elements of its heritage, the DNA of the El Primero still within. Undoubtedly some may say that it looks fashionable, with a negative slant, but we find that the watch is designed in a tasteful way. Purchase new by me in March 2019 and still carries the balance of the two year warranty until March 2022. Condition is Used but totally immaculate. ![]() We have fixed delivery rate for all other regions outside the EU and UK 140 GBP (150 EUR or 170 USD) per item. The Zenith El Primero Classic Car is a good looking watch. For sale is a hard to find Zenith El Primero Chronomaster Classic Cars. UK, EU and Switzerland, Norway, Andorra, Lichtenstein and Channel Islands. The El Primero, as everyone knows, was one of the very first self-winding chronographs, in 1969, and it was the very first full rotor, fast beat, self-winding chronograph movements ever made (and of the three 'first' self-winding chronographs launched in 1969, it's the only one still being made, the Caliber 11 and Seiko 6139 having long since go. THE EL PRIMERO MOVEMENT On January 10, 1969, Zenith introduced its worldwide launch of. We dispatch orders from Monday to Friday and signature will be required upon receipt. EL PRIMERO CHRONOMASTER 1969 TOUR AUTO EDITION: THE RACE FOR PRECISION. Please book an appointment in advance.Īll of our packages are shipped by the following courier services: DHL Express, FedEx. Pre-Owned Zenith Chronomaster El Primero 36000 VPH Classic Cars (03204640025C771) self-winding automatic watch, features a 42mm stainless steel case. Ruthenium-plated, faceted and coated with SuperLuminova SLN C1Ĭhronograph date hours, minutes, and seconds sub-dialīrown calf leather (outer) / Rubber (inner linning)įor in-stock and pre-order items we offer free of charge collection from our store in London. NEW FS: Zenith Chronomaster El Primero Sport 03.2280.400/91.R576 BOX AND PAPERS SERVICED. ![]() 03.2046.400.25.C771, 03/2046/400/25/C771, 03-2046-400-25-C771, 03 2046 400 25 C771, 03204640025C771Īnthracite-toned with "Brushed Engine" pattern and three different-coloured counters Hi All Up For Sale is Zenith El Primero Defy Classic Aero Chronograph (43mm) Stainless Steel Case fitted on the Stainless Steel Bracelet Reference Number: 03.0516.4000 Condition: Excellent almost Like NEW. ![]() By adding in a short field goal before heading into halftime, the Packers were able to take a slim 10-7 advantage going into break.Īfter recording an interception of Kyler Murray deep in AZ territory, the Packers turned the short field into Randall Cobb’s first touchdown of the night, extending their lead to 17-7. Not to mention, playing out west, especially in Arizona, has been a house of horrors of sorts, not providing much faith for this team to pull out its seventh win.īut on the back of the run game, a short passing game, and a solid defensive approach, the Packers were able to end the final undefeated team’s streak this year, all the while putting themselves firmly back on top of the NFC.īoth Arizona and Green Bay traded touchdowns in the first half, as Chase Edmonds and Aaron Jones both took it in for their respective teams. It’s safe to say that the Green Bay Packers really were not supposed to win this game.īut winning games that we are not supposed to win seems to be a given in the Aaron Rodgers era, and the Thursday night affair against the once-undefeated Arizona Cardinals fits perfectly into that category.Īfter putting together a masterpiece of offensive play-calling without their top three wideouts, and after having two defensive coordinators combine on the play-calling efforts with DC Joe Barry out, Green Bay was commonly written off for this game.
![]() ![]() ![]() One such extra feature is called Recovery Vault, and its purpose is to provide an added level of protection for all your sensitive and important locations. The free version can recover up to 500 MB of data, and it comes with several extra features that you would be hard-pressed to find even in paid SD card recovery software tools. This platform-independent solution supports all common storage devices, file systems (NTFS, FAT32, exFAT, APFS, HFS/HFS+), and file formats. Disk Drill combines ease of use with powerful data recovery algorithms to satisfy the needs of professional and home users alike. There are also many recovery tools that work remarkably well but are so complicated that even professionals are intimidated by them. There are many recovery tools that are so easy to use that a child could figure them out without any help, but they often deliver subpar results. It’s not easy for an SD card recovery software tool to strike the right balance between ease of use and data recovery capabilities. The free version of Disk Drill is truly free and comes with multiple extra features whose value far exceeds the price of Disk Drill PRO. There are many things that make Disk Drill one of the best SD card data recovery software solutions for Windows and Mac, including its user-friendly approach to data recovery and the ability to deliver professional results. Disk Drill SD Card Recovery (Windows & Mac) Let’s see which memory card recovery software applications made it to our full ranking. In this ranking we gave preference to free products or software with a generous trial period.Īfter evaluating dozens of SD card recovery software solutions, we were able to narrow them down to just 15, which we then put through their paces in a series of real-life tests. There are plenty of programs that have impressive functionality but don't spend much money to reach potential users. Just because an SD card recovery software application isn’t popular doesn’t mean that it’s not worth considering, especially if it has interesting features. We think that there’s nothing more valuable when reviewing data recovery software than actual user experience, which is why we wanted to include all highly rated solutions. One of our goals was to evaluate all popular SD card recovery software solutions to determine if popularity is a good indicator of quality. When deciding which SD card recovery software solutions to include in this article, we considered the following criteria: Our SD Card Data Recovery Software Selection Criteria Is there any SD card recovery software for Linux?.What is the cheapest SD card recovery software?.What is the difference between SD card repair software and recovery software?.What is the best SD card recovery software?.Will SD Card recovery software really help me recover my data?.What is SD card data recovery software?.Are There Situations in Which It is Recommended to Contact a Memory Card Data Recovery Service Instead of a DIY Solution?.What Types of Data Can Be Recovered With an SD Card Recovery App and From Which Types of Cards.What Else to Look for When Choosing an SD Card Recovery Program.MiniTool Power Data Recovery (Windows & Mac) EaseUS Data Recovery Wizard (Windows & Mac) Our SD Card Data Recovery Software Selection Criteria. |
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