The non‐breeding period is critical for restoration of body condition and self‐maintenance in albatrosses, yet detailed information on diet and distribution during this stage of the annual cycle is lacking for many species. Here, we use stable isotope values of body feathers (δ13C, δ15N) to infer habitat use and trophic level of non‐breeding adult Grey‐headed Albatrosses Thalassarche chrysostoma (n = 194) from South Georgia. Specifically, we: (1) investigate intrinsic drivers (sex, age, previous breeding outcome) of variation in habitat use and trophic level; (2) quantify variation among feathers of the same birds; and (3) examine potential carry‐over effects of habitat use and trophic level during the non‐breeding period on subsequent breeding outcome. In agreement with previous tracking studies, δ13C values of individual feathers indicate that non‐breeding Grey‐headed Albatrosses from South Georgia foraged across a range of oceanic habitats, but mostly in subantarctic waters, between the Antarctic Polar Front and Subtropical Front. Sex differences were subtle but statistically significant, and overlap in the core isotopic niche areas was high (62%); however, males exhibited slightly lower δ13C and higher δ15N values than females, indicating that males forage at higher latitudes and at a higher trophic level. Neither age nor previous breeding outcome influenced stable isotope values, and we found no evidence of carry‐over effects of non‐breeding habitat use or trophic level on subsequent breeding outcome. Repeatability among feathers of the same individual was moderate in δ13C and low in δ15N. This cross‐sectional study demonstrates high variability in the foraging and migration strategies of this albatross population.
NAFCU today is hosting a small-dollar lending working group discussion on the implications of the CFPB’s payday lending rulemaking, among other provisions, with representatives from several NAFCU-member credit unions, Pew Research Center, Center for Financial Services Innovation and Filene Research Institute.All groups involved will give background on the issue of small-dollar lending, such as consumers’ needs regarding access to liquidity, credit unions’ comparative advantage in meeting their members’ needs affordably and safely, and how these types of loans could best be structured to benefit consumers.NAFCU has continually urged the CFPB to withdraw its payday lending proposal, due to be finalized at any time, noting that its complexity and breadth will only impede consumer access to credit and negatively impact the credit union industry. continue reading » 22SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
21SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Jay Slagel Mr. Slagel is an insurance professional with more than 35 years of claims experience in the marketplace and more than 20 years in the supervision and management of claims staff. … Web: www.alliedsolutions.net Details Tornado or flood damagePower outagesRoad closuresAlarm system or building security failuresPhone or internet malfunctionsSupplier shipment issues Think about how each potential scenario would affect your core business and your ability to service your account holdersBackup your dataBack up both print and electronic dataHave a plan for safely backing up data in case your computers or servers are destroyedDevelop formal procedures to document intellectual “data” and educate employees about that knowledge on a regular basisThink about business needsFigure out what equipment you would need to continue running your business if a disaster strikesThing about what would be needed to stay open and serve your customers if certain parts of your business shut down or were destroyedDetermine the people, supplies or services you would need to tap for assistance with continuing business operationsConsider the impact on claims activity and how you can address this in a timely fashion whilst in the midst of a disasterTest and share the completed planRun drills on an ongoing basis to determine how well you have done in laying out the plan and communicating it to your employeesLet employees know you’ re going to test their familiarity with disaster procedures at random timesSimulate some of the scenarios set out in your plan to see how the employees will reactEducate your employees about the finalized plan, making sure they understand what to do and where to go in the event of a disasterContact Allied Solutions to learn more about disaster planning. With hurricanes Harvey, Irma and Maria, and the California wild fires, disaster planning is something that many of us our thinking hard about these days. We all want to do as much as we can to prepare for these unexpected disasters, so that our businesses and consumers remain protected when these events occur. With that in mind, we’ve put together a list of important things to consider as you establish or modify your disaster recovery and response procedures:Establish a planning committeeForm a contingency planning committee before getting startedKeep them in place for as long as it takes to put your plan togetherIdentify individuals who will bring a variety of perspectivesDevelop an employee roster with contact informationKeep a list of the names of all employeesInclude alternate ways that people can communicate with each other – the more, the merrierInclude home phone numbers, non-work e-mail addresses, and cell phone numbersDetermine a chain of commandDefine a clear chain of command and authority to employ during a disasterClearly state who would make decisions and take charge of the staff if key personnel go missingCommunicate the defined chain of command to all employeesThink about work space alternativesDetermine from where you would run your business if something happened to your primary base of operationsFigure out how and where you would serve your customersThink about which of your employees could work out of their homes and what services they could step up to provide in place of others without accessConsider working with another financial institution to share their facilities until you could rent or buy space at a new locationUncover your main vulnerabilitiesTake everything into account and think about anything that could go wrongMake a checklist of things to consider before, during and after a disaster
The Spanish coach said his farewells to City players and staff on Thursday (Picture: Getty)Manchester City manager Pep Guardiola has wished Mikel Arteta good luck at Arsenal as the Spaniard was confirmed as the Gunners’ new boss on Friday afternoon.Arteta held a series of interviews with the north London side’s hierarchy during the past week, though did prepare the City team for Wednesday’s Carabao Cup victory over Oxford United.He said his goodbyes to the squad and staff on Thursday and travelled down to London, with an agreement over the compensation payment believed to be the final stumbling block. Pep Guardiola wishes Mikel Arteta good luck at Arsenal after leaving Manchester City Metro Sport ReporterFriday 20 Dec 2019 1:43 pmShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link1.3kShares Arteta’s final league match with City was a 3-0 win over Arsenal (Picture: Getty)On how City will fill Arteta’s vacancy, Guardiola added: ‘No, we will stay with the same people that are here. Right now we don’t add any other person to help us. We can do it with the people that are here.’Arsenal announced Arteta’s appointment shortly after Guardiola’s press conference had concluded and he will now be tasked with turning around a dire run of form at the Emirates, with the Gunners having only won one of their last 14 matches in all competitions.MORE: Mikel Arteta joked about Arsenal defence while Manchester City coach and highlighted huge weaknessMORE: Arsenal cancel press conference as Gunners prepare to unveil Mikel Arteta as new managerMore: FootballRio Ferdinand urges Ole Gunnar Solskjaer to drop Manchester United starChelsea defender Fikayo Tomori reveals why he made U-turn over transfer deadline day moveMikel Arteta rates Thomas Partey’s chances of making his Arsenal debut vs Man City Arteta enjoyed five years at Arsenal as a player, captaining the side (Picture: Getty)Arsenal had yet to officially announce Arteta’s appointment when Guardiola met the media on Friday, but he considered it a formality and wished his old number two good luck.AdvertisementAdvertisementADVERTISEMENT‘He’s in London, I think he’s close to finishing the deal with Arsenal – that’s what I know,’ Guardiola told reporters.‘It’s almost done. Yesterday he didn’t train, today he didn’t do training, so I think it’s moving. This is the last info that I have. I don’t know the last details of the contract but I think it’s there.’He continued: ‘So now he decide to move there. When you have dreams you cannot stop it, you have to follow your dreams.More: Arsenal FCArsenal flop Denis Suarez delivers verdict on Thomas Partey and Lucas Torreira movesThomas Partey debut? Ian Wright picks his Arsenal starting XI vs Manchester CityArsene Wenger explains why Mikel Arteta is ‘lucky’ to be managing Arsenal‘Of course Arsenal was an important part of his career as a football player. Going back home is important for him.‘One of the best teams in England and wish him all the best. The results I’m pretty sure he’s going to do an excellent job.’ Comment Advertisement Advertisement
The Rebels opened their 14th consecutive season on April 5 at 81 Speedway in Park City, Kan., where Jake Martens of Fairview, Okla., picked up the victory. The next night was an event at Dodge City Raceway Park where Luke Cranston of Ness City, Kan., picked up the victory. Also, the driver who sets fast time during each heat race will receive an extra $50, courtesy of Herbst Towing. It will be the only appearance of the 2019 season at the speedway and will pay $1,500 to win while just starting the 20-car feature finale pays $200. Tyler Knight is the defending race winner while Darren Berry (2017) and Zach Blurton (2016) have also posted victories atop the Lincoln County Raceway dirt oval during the running of this event. Pit gates will open at 5 p.m. with race action slated for a 7 p.m. start time. Grandstand admission is $15 for adults; kids ages 6-12 are $5. All pit passes are $30. NORTH PLATTE, Neb. – After nearly one month hiatus, the Lucas Oil POWRi United Rebel Sprint Series presented by Mel Hambelton Ford Racing gets back into race action this Saturday, May 4 as they head to Lincoln County Raceway in North Platte for the fourth annual IMCA RaceSaver Sprint Car Ron Williams/Dick Snoose Myers Memorial. Questions and inquires on this and all URSS events can be answered by calling series president Rick Salem at 785 475-7010.