![]() ![]() ![]() Access to a bank or mobile money account is essential for women to be able to engage in available economic opportunities such as entrepreneurship, contribute to household income and have an equal voice in family decisions, and remain out of poverty.Ĭlosing the gender gap in financial services is an important step forward towards women’s empowerment. The emerging trend shows that more women in the APEC region have benefitted from digital financial services and opened formal accounts amid the pandemic, contributing to a significant narrowing of gender gap in these areas. The ease of access and usage of digital financial services encourages the shift to formalization of account ownership and conduct of daily transactions online, providing a crucial pathway towards improved financial and digital inclusion. There is also a noticeable narrowing of the gender gap in the use of a mobile phone or the internet to pay bills while the percentage of women buying something online has outpaced men in both years. Women are also starting to close the gap relative to men in terms of access to and use of digital financial services-from 3.9 percent in 2017 to 1.3 percent in 2021. Debit or credit card ownership follows the same trend. For example, the gender gap in account ownership at a bank or its equivalent has fallen to 1.6 percentage points in 2021 from as much as 5 percentage points a decade ago. Greater inclusiveness in financial services has been critical to narrow considerably the gender gap in access to financial accounts and services within the APEC region. These developments reflect how financial services are becoming more inclusive nowadays, which are helping advance women’s economic opportunities. In terms of borrowing from a formal financial institution, it is interesting to observe that: one, slightly more women than men borrowed in 2021 and two, the percentage of women borrowers jumped by 10 percent amid the pandemic from the level in 2017-more than the magnitude of the increase for men during the same comparable period. In addition, there were more women (about 65 percent) using a mobile phone or the internet to buy something online in 2021 when compared to both the 2017 level and the percentage of men conducting the same transactions. For example, the percentage of women in the region using a mobile phone or the internet to pay bills went up to 48 percent in 2021 from 32.5 percent in 2017, equivalent to an increase of 15.5 percentage points. The proportion of women conducting everyday transactions online has also increased significantly amid the pandemic. Similarly, more women and men owned a debit or credit card in 2021, the most recent data available, relative to other years. Indeed, the percentage of the population in APEC who reported having an account at a bank or another type of financial institution, or a mobile money account, has grown substantially since 2011. Moreover, making and/or receiving digital payments can pave the way towards ownership accounts at formal financial institutions or usage of mobile money services. Increased engagement in digital transactions reflect women’s wider access to financial services as well as digital inclusion. This represented a surge of 14 percent from 2017- a higher rate compared to the increase in usage by men at about 11 percent within a five-year period. Around 77 percent of the region’s female population aged 15 years old and above made or received a digital payment in 2021. In APEC, data from the 2021 World Bank Global Financial Inclusion Index show that the pandemic expanded access to and use of digital financial services, particularly among women. ![]() The COVID-19 pandemic, marked by movement restrictions to curb the spread of the virus, accelerated the shift to digitalization and increased the global uptake of digital financial services. By Rhea Crisologo Hernando Singapore | 08 March 2023ĭigital inclusion and wider access to financial services empower women.įinancial inclusion in the APEC region started out as an immediate policy response to the 2008 Global Financial Crisis and evolved into an important component of the region’s inclusive growth strategy, particularly as a key enabler of economic participation by opening up opportunities for people to earn a living and invest. ![]()
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![]() ![]() (the "Company" or "Ruth's") common stock will only be made pursuant to the tender offer materials that Darden and Merger Sub intend to file with the SEC. A solicitation and offer to buy outstanding shares of Ruth's Hospitality Group, Inc. This communication is for informational purposes only and is neither an offer to purchase nor a solicitation of an offer to sell any securities, nor is it a substitute for the tender offer materials that Darden and a wholly-owned subsidiary of Darden ("Merger Sub") will file with the United States Securities and Exchange Commission (the "SEC") upon commencement of the tender offer. The tender offer described above has not yet commenced. as measured by the total number of Company-owned and franchisee-owned restaurants, with more than 150 Ruth's Chris Steak House locations worldwide specializing in USDA Prime grade steaks served in Ruth's Chris' signature fashion – "sizzling." For more information, please visit Additional Information about the Tender Offer and Where to Find It Ruth's Hospitality Group, Inc., headquartered in Winter Park, Florida, is the largest fine dining steakhouse company in the U.S. For more information, please visit About Ruth's Hospitality Group, Inc. For those who cannot listen to the live broadcast, a replay will be available on the Investor Relations section of Darden's website at: after the call.ĭarden is a restaurant company featuring a portfolio of differentiated brands that include Olive Garden, LongHorn Steakhouse, Cheddar's Scratch Kitchen, Yard House, The Capital Grille, Seasons 52, Bahama Breeze and Eddie V's. Prior to the call, a slide presentation will be posted on the Investor Relations section of Darden's website at: For those who cannot access the Internet, please dial 1-80 and provide the conference passcode 71522. ![]() ![]() To listen to the call live, please go to at least fifteen minutes early to register, download, and install any necessary audio software. The call information provided in the earlier press release was incorrect this press release is issued to provide updated call information. As previously announced, the companies will host a conference call to discuss the transaction on Thursday, May 4, 2023, at 8:30 a.m. ("Ruth's") (Nasdaq:RUTH) announced earlier today that they have entered into a definitive merger agreement pursuant to which Darden will commence a tender offer to acquire all of the outstanding shares of Ruth's for $21.50 per share, in an all-cash transaction with an equity value of approximately $715 million. ("Darden") (NYSE:DRI) and Ruth's Hospitality Group, Inc. Darden also owns the popular restaurants Olive Garden, Red Lobster, and Longhorn Steakhouse, all located along International Speedway Blvd in Daytona Beach.ORLANDO, Fla., /PRNewswire/ - Darden Restaurants, Inc. Bahama Breeze is owned by Darden Restaurants, the nation’s largest casual dining restaurant company. The first Bahama Breeze opened in 1996 in Orlando, FL, and now operates 24 restaurants nationally. Bahama Breeze also offers curbside-to-go orders and free WiFi for its guests. Wash it down with a sampling from their extensive drink menu which includes alcoholic beverages with names like Yaka Hula Hickey Dula, Goombay Smash, and the Zombie. Well it’s almost time for your Caribbean escape, as Bahama Breeze is set to open its doors to the public on August 5th.Īt Bahama Breeze you can enjoy delicious lunch and dinner items such as Coconut Shrimp, Jerk Chicken Pasta, an array of fresh fish, and much more. The unique combination of Caribbean-inspired food, handcrafted tropical drinks, and vibrant atmosphere found at national restaurant chain Bahama Breeze Island Grille is coming to Daytona Beach! You may have noticed the new Darden-owned restaurant being built in front of the Volusia Mall on US-92. ![]() ![]() ![]() Macsome iTunes Converter has had 1 update within the past 6 months. ![]() Download and install Macsome from Download Center (DO NOT launch Macsome) d. Download Macsome iTunes Converter for Windows to convert iTunes audio files to MP3 and AAC formats. And you can also edit the meta information by clicking "Tools" - "Edit Tag". Go to your home directory - Music iTunes and delete 'iTunes Music Library.xml'. 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Macsome iTunes Converter is able to convert Apple Music songs, M4A/M4B/AA/AAX audiobooks, M4P music and podcasts to MP3, FLAC, WAV, AAC, AIFF or ALAC format for you. It's safe to install, with no plug-ins or advertisements. Click Convert button to start the iTunes or Apple Music songs, audiobooks conversion. Macsome iTunes Converter for Win is a new iTunes Audio Converter tool produced by Macsome Inc. Download iTunes 12.6.2 for macOS Download iTunes 12.6.2 for macOS Download Windows: This update is designed for high DPI displays so text and images appear sharper and clearer. Run your iTunes, and click 'Preferences.' in the Menu. Preferences Settings, select output audio format from MP3, FLAC, WAV, AAC, AIFF or ALAC. ![]() ![]() Wenn mehrere Programme Overlay-Icons einsetzen dann sind nicht. Windows selbst benutzt 4 von diesen 15 Overlay-Icons, was 11 übrig lässt für andere Programme. Dies deshalb weil Windows ein Limit von 15 Overlay-Icons hat. To convert an overlay index to its equivalent image index, call INDEXTOOVERLAYMASK. Die Overlay-Icons werden angezeigt, aber nicht alle Es kann sein, dass nicht alle Overlay-Icons genutzt werden können. SHGetIconOverlayIndex returns the overlay index. These two indexes are equivalent to the values that you assign to the iOverlay and iImage parameters, respectively, when you add an icon overlay to a private image list with ImageList_SetOverlayImage. The other is an image index that identifies the actual image. The first is a one-based overlay index that identifies the overlay relative to other overlays in the image list. ![]() Icon overlays are part of the system image list. ![]() for power savings, password protection to keep files secure and 10GB of Wuala secure online storage. Returns the index of the overlay icon in the system image list if successful, or -1 otherwise. Change: Overlay icons changed to match profile. The overlay icon that indicates that the item is the default in a set. Ready to be used in web design, mobile apps and presentations. The overlay icon that indicates a slow file. The overlay icon that indicates a linked folder or file. The overlay icon that indicates a shared folder. To request a standard overlay icon, set pszIconPath to NULL, and iIconIndex to one of the following: IDO_SHGIOI_SHARE (0x0FFFFFFF) The icon's index in the file pointed to by pszIconPath. Syntax int SHGetIconOverlayIndexA(Ī pointer to a null-terminated string of maximum length MAX_PATH that contains the fully qualified path of the file that contains the icon. ![]() Returns the index of the overlay icon in the system image list. ![]() ![]() ![]() Scrabble has a worldwide competitive scene, and it only continues to grow in prominence and popularity. If you need another reason why using our Scrabble word checker is beneficial, we have two words for you: Scrabble tournaments. 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If it’s in the official Scrabble dictionary from Merriam Webster, it’s in here. Our proprietary Scrabble word finder was built using world-class dictionaries, including Webster’s, American Heritage, Wiktionary, and many more. WordFinder’s online Scrabble dictionary isn’t just some other Scrabble word search. Our Scrabble word check tool will help with your word game needs and get you out of any game-critical situations. From versatile two letter Scrabble words to bingo-ready seven-letter words, you'll know where you stand. However, the validity of certain words varies between dictionaries for the popular board game. One Scrabble dictionary doesn’t yield a higher score than the other. The Scrabble dictionary cheat will also provide a list of other words you can make from those letters.įor advanced options, choose between Scrabble US and Scrabble UK for the corresponding playable word list. 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We have the perfect tool for all you Scrabble® players out there. ![]() ![]() ![]() Here at the Scrum Guru, we are a team of professional instructors and practitioners with over 8 years of experience creating online content specialized in Project, Program, and Portfolio Management. These UNOFFICIAL PMP practice exams are not endorsed by, nor in partnership, nor affiliated with PMI. Serious self-study and a few affordable Udemy courses will guarantee your success in the PMP certification exam from the first trial!ġ00% money-back guarantee: There is no risk in taking this course as Udemy guarantees that you can request a refund without any justification within 30 days. By taking a mock exam you can get feedback on how to improve your understanding and knowledge of the PMP exam questions concepts.ĭon't waste your money. 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Process: Using predictive, agile and hybrid approaches to determine which way of working is best for each project. People: Recognizing you have the skills to effectively lead and motivate a project team throughout a project. The new PMP certification exam will encompass 3 domain areas based on the latest PMP Exam Content Outline published in 2021: It shows you have the skills to drive business results and increase your organization’s impact in the office and around the world. The median salary for project professionals is 16% higher globally (and 32% higher in the United States) than those without it.ģ. CIO magazine ranked the PMP as the top project management certification in North America because it demonstrates you have the specific skills employers seek, dedication to excellence and the capacity to perform at the highest levels.Ģ. The PMP exam was created by project leaders for project leaders, so each test question can be related to real-life project management experiences.ġ. 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This is very handy when using the TS-E 17mm f/4L. Tilt shift is a photography technique that makes a part of the photo appear as a miniature. anal beads areolae arms behind back bangs barefoot bdsm beads bed black hair blush outdoors bdsm brunette Read more Lesbian Ass Dildo Bondage September. Other tricks help too, like increasing the vibrancy and saturation to make things like cars and buildings look toylike. Rogeti provides a nodal slide with the TSE frame and a bracket that can carry a smartphone or gray card to block sunlight. Grab the white dot on the white line and rotate the line to vertical to create a vertical slice of focus similar to a tilt-shift lens. So when you see a short depth-of-field image, taken from above, your brain interprets it as something small being photographed from up close. In these photos, the foreground and background are usually out of focus-a short depth-of-field is a characteristic of the lens and aperture settings in macro photography. You've seen a lot of photographs of small things in your life. ![]() image mask, mosaic, tilt-shift, and auto-enhance. Lunapics Image software free image, art & animated Gif creator. K2sXXX BDSM Mya Quinn, Venom Evil - Girls puking in each others mouth, face - Double deepthroat. As seen in the example, the piece of paper is in focus. For Tumblr, Facebook, Chromebook or WebSites. Personal attacks, bigotry, fighting words, otherwise inappropriate behavior or content, comments that insult or demean a specific user or group of users will be removed and will result in a ban.Įxplaining depth of field and focal planes in tilt-shifting. By tilting the lens it becomes possible to place the focus plane not parallel to the sensor, but parallel to the surface of your subject. We enforce a standard of common decency and civility here. The art of creating shallow depth-of-field pictures, either from digital manipulation, or analogue techniques. ![]() ![]() For example, one major card company has started to offer prepaid cards free of the typical recurring fees. Prepaid cards for foreign use are becoming more widespread. Each bank has its own fees for ATM debit card withdrawals. Heads up: Meyers advises to call your bank before you go to ask about fee structures for ATM withdrawals. Stallings says if you take money out of a bank that has a relationship with your bank, you may be able to avoid some fees. "If your bank charges a flat rate for the withdrawal, you should certainly minimize your trips to the ATM by withdrawing larger sums each time you go," Meyers says.Īnd do your homework. To save money, keep ATM trips to a minimum. Some charge a flat rate, others charge a percentage, and still others charge both, Meyers says. "We consider the ATM to be the best choice in terms of convenience, exchange rates and fees," Meyers says.įees vary by institution. Using your debit card at ATMs is one recommended way to get cash when traveling abroad. The "PIN" refers to a personal identification number that the cardholder enters to authorize payment. The "chip" refers to a microchip embedded into the card to secure account information. Maria Brusilovsky, spokeswoman for Travelex Currency Services, says chip and PIN technology is now the preferred way of making credit card and debit card transactions in Europe, and some vendors only accept chip and PIN cards. In addition to cards without fees, think about getting a card with the latest technology. Others are just offering a few cards without foreign fees. Some major card companies have eliminated foreign transaction fees on all of their cards. You can save money on fees by making some calls before you go and knowing which cards to use," says Tom Meyers, editor in chief of, a guide to budget travel in Europe. "Most people have multiple credit cards, and each could have a different fee structure. Foreign transaction fees are a different story. ![]() ![]() Card companies base their exchange rates on wholesale prices offered to bigger institutions, so you're bound to get a fair rate. While some desks advertise "no-fee" exchanges, they still build in a hefty profit by offering a high rate.īefore your next trip, take a look at the best and worst methods of currency exchange by following Bankrate's "thumbs-up" or "thumbs-down" rating: Currency exchange methodsĬredit cards offer some of the lowest currency exchange rates. In lieu of foreign currency exchange desks at airports and major hotels, there are more convenient and cheaper ways to exchange currency, Stallings says. "Many options carry extraordinary hidden fees, and some places are just more difficult to negotiate since they are more cash-based than the typical American is used to," Stallings says. dollar abroad, update your knowledge of currency exchange.Īccording to Douglas Stallings, senior editor for Fodor's Travel, travelers need to be aware of currency exchange options abroad because of costs. If you're not careful, currency conversion fees can cost more than you expect. ![]() ![]() ![]() Even though their fears may be justified with its hefty, non-compliance fines, GDPR will undeniably bring candidate privacy and the candidate experience to a whole new level - a game changer for personal data processing. Many in the recruitment industry fear that this coming regulation will disrupt candidate data collection and management. Failing to comply could result in severe penalties of up to 4 percent of worldwide turnover. It is mandatory for organizations that are processing the personal data of EU residents across the globe. In simpler terms, it means that it will now be unlawful to use an EU citizen’s data without his or her explicit consent. This regulation is aimed at empowering EU citizens regarding their personal data through tighter regulations. It also provides a harmonization of the data protection regulations throughout the EU, thereby making it easier for American companies to comply. Most importantly, it aims at changing the way organizations operating in the EU, or those collecting personal data from the EU’s citizens, approach data privacy. ![]() It has the purpose of reconciling country-specific and sometimes conflicting European data privacy laws. GDPR was designed as a replacement for the current Data Protection Directive 95/46/EC. Of course, even non-EU-based companies will still have to comply. It will affect all companies that deal with personal data - recruiters especially. ![]() Starting May 25, 2018, the EU will enforce a set of regulations designed to protect European citizens’ personal data. One thing is certain: When it goes into effect, the GDPR is going to be the biggest shakeup in the history of online privacy regulations. If you’re a recruiter or involved in talent acquisition, you need to be concerned about the GDPR, the European Union’s General Data Protection Regulation. They are based on the things I learned about the GDPR and are solely for informational purposes. Disclaimer: I am not a lawyer, so this article and the opinions expressed herein are solely mine. ![]() ![]() ![]() The flesh of Trionyx was eaten from Predynastic times to as late as the Old Kingdom later the flesh of turtles began to be considered an "abomination of Ra" and the animals were thought of as evil. Parts of turtles were used to grind eye paint, which was applied both as a cosmetic and to protect eyes from infection and over-exposure to sun, dust, wind, and insects. An ointment made from the brain of a turtle was the treatment for squinting. The Medical Ebers Papyrus cites the use of turtle carapaces and organs in some formulas, including one formula for the removal of hair. The carapace may symbolize the "way in which the owner used to move slowly like a tortoise," or sitting in the carapace may have been a very useful way for the owner to move around. In an Early Dynastic tomb at Helwan a man was buried beneath the carapace of a tortoise who had lost his feet in an accident. The famous Hunters Palette shows most of the hunters carrying a kind of shield interpreted as a turtle-carapace shield. ![]() Since the XIXth Dynasty, and particularly in the Late and Greco-Roman periods, turtles were ritually speared by kings and nobles as evil creatures. The turtle was associated with Set, and so with the enemies of Ra who tried to stop the solar barque as it traveled through the underworld. Īs an aquatic animal, the turtle was associated with the Underworld. Sacrifices of turtles may have served some ritual or liturgical purpose within the ancient Egyptian ceremonial system. Though excluded from lists of animal offerings to the deities, there are nevertheless great quantities of turtle bones at the great ceremonial complex at Heirakonpolis in Upper Egypt. Īmong Ptah's many creatures, Shetyw was neither especially remarkable nor esteemed. Many relics from the Middle Kingdom such as magical knives depicted turtles and were inscribed to protect the women and children of the house. Amulets and objects depicting the turtles represent them as a force to defend health and life. The earliest representations of the Nile turtle are from pre-dynastic times they had magical significance and were meant to ward off evil. A stone vase in the form of a turtle was found in Naqada. Zoomorphic palettes were commonly made in the shapes of turtles. Predynastic slate palettes represent freshwater (soft carapace, Trionyx triunguis) turtles, as does the hieroglyph for "turtle", in which the animal is always represented from above. Turtle fossils are the most common reptiles found in the Fayoum, including Gigantochersina ammon, a tortoise as large as those living on the Galapagos Islands today. The turtle Shetyw (also Shetw, Sheta, or Shtyw) was common in Ancient Egyptian Art (especially Predynastic and Old Kingdom art). It can be regarded as personifying water, the moon, the Earth, time, immortality, and fertility.Ī zoomorphic palette in the form of a Nile soft-shell turtle. The myth of a World Tortoise, along with that of a world-bearing elephant, was discussed comparatively by Edward Burnett Tylor (1878:341).Īround the world the tortoise and/or turtle can be seen as a symbol of wisdom and knowledge, and is able to defend itself on its own. In the cosmological myths of several cultures a World Turtle carries the world upon its back or supports the heavens. A tortoise's longevity is suggested by its long lifespan and its shell, which to some symbolizes protection from any foe. The turtle has a prominent position as a symbol of important concepts in religion, mythology, and folklore from around the world, including steadfastness and tranquility. Īs a result of its role as a slow, peaceful creature in culture, the turtle can be misconceived as a sedentary animal however, many types of turtle, especially sea turtles, frequently migrate over large distances in oceans. Sea turtles are a charismatic megafauna and are used as symbols of the marine environment and environmentalism. ![]() They have an important role in mythologies around the world, and are often implicated in creation myths regarding the origin of the Earth. Turtles are regularly incorporated into human culture, with painters, photographers, poets, songwriters, and sculptors using them as subjects. Due to their long lifespan, slow movement, sturdiness, and wrinkled appearance, they are an emblem of longevity and stability in many cultures around the world. Turtles are frequently depicted in popular culture as easygoing, patient, and wise creatures. The Turtle House by the German architect and designer Kurt Völtzke (Atelier Color, Chemnitz) at El Gouna (Red Sea, Egypt) ![]() |