6/1/2023 0 Comments Cryptocat catsThe ILS market has allowed hedge funds, pension funds and other non-insurance traditional investing institutions to tap an additional source of high, uncorrelated returns. These ILS instruments, which include catastrophe bonds (colloquially known as CAT bonds) are issued by special purpose vehicles to external investors whose funding pledges provide the collateral to backstop the reinsurance risk. Ever since, Bermuda has been the world leader for regulating ILS and one of the top three reinsurance hubs in the world. Ziolkowski is proposing a new version of so-called insurance-linked securities (ILS) that first arose in Bermuda after Hurricane Andrew in 1992 left insurers with a then-unprecedented $15.5 billion bill. And crypto could contribute to solving it. Many fear a lack of catastrophe risk insurance will tank housing markets in Florida and elsewhere. It’s a really big, little-discussed problem. Here’s the problem: Insurance claims triggered by Hurricane Ian’s record-breaking destruction last month – with total losses seen as high as $75 billion – have combined with elevated uncertainty around climate change and with the general investor risk aversion stoked by rising interest rates to leave hedge funds and other entities reluctant to commit capital to the industry. Other people in the Bermuda insurance industry told me that the full-year 2023 shortfall in reinsurance is as high as $60 billion. 1, $20 billion in reinsurance contracts are due to roll over – meaning they’ll need to be refunded – and that the estimated amount committed is just $2 billion. In our “Money Reimagined” podcast this week, Ziolkowski said that on Jan. It could be a solution to an alarming multi-billion-dollar shortfall facing the reinsurance industry, a vital sector that exists to absorb the risks taken by insurance companies so the latter can continue to expand their policy issuance. He wants to offer investors in staked token pools the chance to apply those holdings as collateral for special purpose vehicles that underwrite reinsurance contracts. It’s based on an idea from Joe Ziolkowski, the CEO of crypto-focused insurer Relm. At a time when the industry needs to emphasize real world applications – rather than simply riding the boom-bust cycle of “number go up” speculation – this one’s a doozy. Conversations I had on the island during the Bermuda Tech Summit this week have led me to believe there’s a huge opportunity to combine those two strengths into a powerful use case for crypto.
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6/1/2023 0 Comments Dining room inspirationThe wood adds texture and warmth while white paint keeps the room bright without feeling cold. Wood and white is one of my favorite decorating combinations. Add a gorgeous chandelier with warm lighting and you’re all set! Metal pendant lights, galvanized chairs, and a stone pillar keep the room from feeling too overdone with wood elements.Ī much-coveted fireplace in a cozy dining room creates instant ambiance for a memorable dining experience. Wood plank walls, flooring, and ceiling create a bit of primitive warmth in a farmhouse dining room. And of course, red always lends warmth to a room. A wood ceiling with beams, paired with three-quarter wainscoting, give you plenty of warm fuzzies when you sit down to dine.Įven though plenty of light cascades into this dining room, the space feels cozy and intimate with wood paneling, gray trim, textured window shades, and a rich wood table with leather dining chairs.Ī great way to add warm and cozy appeal to any room is to mix and match patterns. Warm rooms and interior spaces have been tugging at my heart strings and I’m here to share a collection of cozy dining room ideas with you.Ĭlassic Windsor chairs hug a long wood table in an expansive dining room that doesn’t feel large or cold. 6/1/2023 0 Comments 2022 land rover range roverThen there’s the back, with the usual bustle below the rear window and split tailgate – the lower portion is smaller than before, no doubt in response to existing owners saying they’d like to see it easier to reach far flung corners of an enormous boot.īut the light treatment – ‘hidden until lit’ – looks like a thin black line that surrounds the boot and incorporates the Range Rover name at the top, proudly sitting in what looks like an increasingly common light bar. There are fewer creases on the doors, the side vents are more subtle and feature a body-coloured panel within them, there are flush door handles, the headlights are slimmer and a tech story in themselves, and the front is cleaner with just horizontal lines below the bumper. Oh, how Land Rover’s engineers must have rolled their eyes at the design team when all that was suggested, but oh how those very same engineers have come up with incredible solutions to make those far-fetched sketches become reality. There are fewer welds around the roof, for example, leading to a cleaner look above the totally flush-fitting side glazing. The beauty of the new car is in the detail – and the detail is all about simplicity. New Range Rover D300 Westminster 2021 review.New Kingsley ULEZ Range Rover Classic 2021 review.New Range Rover D350 Autobiography 2022 review.Range Rover vs Bentley Bentayga: 2022 twin test review.And this is our first opportunity to get behind the wheel of the new car to give our first verdict. This new model is tasked with reinventing the genre yet again, with luxury, technology and design to the fore. The original Range Rover was conceived as the ultimate lifestyle SUV luxury came later. To put that into context, in roughly the same period of time, there have been 11 versions of the Honda Civic, while plenty of other legendary models – including many other 4x4s – have been and gone. In over 50 years of the Range Rover, this new model is just the fifth iteration of the iconic 4x4. That has all been enhanced – and we’d add part GT into the mix. The Range Rover always was a great all-rounder part luxury car, part family car, part 4x4. 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The original Star Fox, made up of James McCloud, Peppy Hare, and Pigma Dengar, is sent to investigate. Years before, strange activity is spotted on the planet Venom, where the mad scientist Andross had been exiled. The original game was also digitally released as a Virtual Console title for the Wii (on April 2007) and Wii U (in 2016-2017) and was included in the Nintendo 64 - Nintendo Switch Online service for the Nintendo Switch on October 26, 2021. Along with updated graphics, sounds, and control schemes, the remake also includes a "Gyro Controls" mode (allowing the player to use the 3DS's gyroscope for motion control) and multiplayer via Download Play. The game was later remade for the Nintendo 3DS (as Star Fox 64 3D) on September 9, 2011. Later Player's Choice re-releases exclude the Rumble Pak. The accessory itself was initially released as a bundle with the game, with the initial North American release of the game only sold with the bundle. Star Fox 64 is the first console game in history to support force feedback, due to being the first game to use the Nintendo 64's Rumble Pak accessory. Sporting a brand new engine, Star Fox 64 includes a variety of new gameplay mechanics from its predecessor, including special "All-Range Mode" stages (where players can move freely around a designated battlefield), stages with unique new vehicles (including the Landmaster tank and Blue Marine submarine), new maneuvers (a Somersault in normal mode and a U-Turn in All-Range mode), a campaign with branching paths (which get easier or harder depending on how well the player completes objectives), and four-player competitive split-screen multiplayer. 64) to counter-attack the forces of mad scientist Andross (including the Star Wolf, a rival team of mercenaries led by Wolf O'Donnell). 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If you have a good camera and some technical know-how, then the answer is yes. But if you have a sharp enough shot and you spend the time to correct any lens distortion or page curvature, the software can do an admirable job at pulling out the words. The OCR job on the scan knocked the photo version out of the park. Just for kicks I tried it on the photo I had taken of a page, versus a proper scan at 300dpi. And the accuracy, while imperfect, was quite good on large chunks of clearly captured text. In the dozen or so pages I experimented with, it finished the job in just under five seconds. The software is quite fast at doing the OCR scan of a page. Prizmo can run OCR on your scans, which makes them easier to find when searching your computer. Now, when it's done scanning, you now see what it's come up with, as it highlights sections that have been scanned, and shows you what it's come up with as you mouse over the text. This means anything you've scanned within the app can then be found within OS X's Spotlight search. Prizmo can cull through your scans for words, all of which are indexed within the document's metadata. On top of the camera tethering and the curve fixing, better optical character recognition (OCR) is quietly one of the most important improvements to the software. Such a feature would take a lot of the guesswork out of the equation. What I'd really like to see in a future version is a layer of intelligence that can give a page a quick scan, figure out where the distortion is, and correct it automatically. Also, the preview showing what the document will look like when you're done cannot be zoomed in on while you're making changes, which in my tests meant I couldn't see a reasonably sized product until I had exported my work. Possibly the most irritating part of the process is that the tools you use to make the adjustments pop up over what you're working on cannot be moved elsewhere. The harder part, however, is making the minute adjustments, which can be hard to control. This whole process only takes a few seconds once you know what you're doing. This isn't a huge dealbreaker unless you're trying to archive something large, but it does slow things down.Īll that's needed in the way of tech know-how is how to click on the four corners of a page, as well as where to line up the top and bottom of each page curve. You can, for instance, only work on one page at a time, so if you've snapped both pages of an open book, you have to open each one individually. The tool itself is simple to use, but lacks some much-needed automation. To go along with the tethering feature is curviture correction this lets you fix warping due to the natural bend of pages. Prizmo can take a photo of a book or magazine page and fix the bend in the page on the final scan. The app would only let me see the top 40 shots or so, and I couldn't scroll down-a problem I didn't have when browsing the same set of files from a USB-powered memory card reader. Users can also grab photo files from their hard drives, or from a camera that's attached in USB mass storage mode, although I found the latter a little jittery when trying to browse for a single file on a crowded memory card. In my test, I simply connected my Nikon D90 (which does not feature USB mass storage support) and began taking photos, and it did the rest. There's not a whole lot of user dialogue here to let you know your camera is attached. This lets you attach a tether-ready SLR or point-and-shoot to your computer, then have the app automatically import the shot as you take it. The first new feature is camera tethering. Its latest version sports three handy features, one of which can turn your digital camera into a very powerful text-archiving tool. The $40 software, made by Belgium-based Creaceed, has long been offered as an alternative to the pack-in software that often comes with flatbed scanners. Have you always wanted a scanner, but held back because of size and cost? Do you have a Mac and a digital camera? Then good news: Prizmo for Mac offers a good enough solution to let accomplish most of your scanning needs without the extra hardware. This is a full offline installer standalone setup for Windows Operating System. Processor: Intel 3.0 GHz or higher processorĬlick on the link below to start Enscape 3D 3.1 Free Download. 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