Cotton Cake

first_imgJohn Bernard, a professor and dairy scientist at the University of Georgia Tifton campus, has found “cotton cake” to be an effective protein supplement for dairy cattle.Cotton cake is a type of cottonseed meal, the solid material that remains after oil is extracted from cottonseed and is made from products that would otherwise be wasted. The cotton cake Bernard has formulated is composed of a slightly different nutrient makeup than the raw material.Bernard discovered that cotton cake provides dairy cattle with an alternate source of protein than the commonly used soybean meal.“We really have to watch how much fat we put in their diets, so when they can get the extruder fine-tuned to reduce the oil content in the cotton cake, it makes that product better for feeding cattle,” he said.Bernard conducted a feeding trial in lactating dairy cattle on the UGA Tifton campus that compared three different diets. One diet used all soybean and heat-treated soybean meal products. In the others, Bernard replaced either the soybean product or the heat-treated soybean meal with cotton cake. In every diet tested, cattle produced comparable amounts of milk with similar composition.“The bottom line is, this product could very easily be used in a diet to replace some of the soybean meal, whether it’s regular soybean meal or heat-treated soybean meal product,” said Bernard.Knowing that cotton cake is a good substitute for soybean meal allows dairy producers to make informed decisions about what to feed their cattle as prices for feed ingredients fluctuate throughout the year. Cottonseed is not only more readily available to Georgia farmers, it is also less expensive. Therefore, it could save producers money.“We’re always looking for protein supplements and evaluating those on cost per unit of protein,” said Bernard.Cattle farmers are not the only beneficiaries of this product; cotton growers are too.“This research is designed to keep people buying cottonseed products, to hopefully keep those prices high for cotton farmers,” said Tom Wedegaertner, director of cottonseed research at Cotton Inc.Because cows can use the protein in cotton cake to break down fibers that are dangerous to humans, consumers also benefit.“There are always opportunities to look at new products that become available when processing grains or oilseed to produce something that is going to be more suitable for humans or somewhere in the industry,” Bernard said.He is one of few scientists in the U.S. who are conducting research on cotton cake as a protein supplement for dairy cattle.The low production numbers are likely due to the small number of factories that produce cotton cake across the U.S. In fact, the mill Bernard used to conduct his research is no longer located in Georgia.To read more about cotton research at UGA’s College of Agricultural and Environmental Sciences, go to www.ugacotton.com.last_img read more

Letters to the Press – June, 2013

first_imgSign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York [colored_box color=”blue”]Well, now you know why people continuously drink and drive…because like this monster, you get a slap on the wrist and go do it again [“Bethpage Man Gets 1 Year in Jail for Fatal DWI Hit and Run,” May 16]. Very, very sad. Will they finally figure out that they need tougher laws for animals like this!!!Edna Clary Garcia via Facebook[/colored_box][colored_box color=”grey”]Still feeling it, house in shambles but rebuilding slowly RT @LongIslandPress: Long Island Marks 6 Months Since Sandy@DwightSchrute via Twitter[/colored_box][colored_box color=”blue”]In bypassing the hype, ignorance and prejudice, etc., I am letting you know some of what I know, though not all that I think [“Letters to the Editor,” May]. Marijuana has been around a long time; the legislative history is well known and it impels the cartels. Colorado and Washington have their foot in the door so that those who wish may now have their pot and smoke it too, and also make brownies if they wish. The future of this situation for all depends on how it plays out in those two states. Hopefully, it will be for the good and be an aid in finding a solution to the war on drugs.Charles Samek, Mineola via email[/colored_box][colored_box color=”grey”]Do not second guess unless you can walk in the shoes of an officer [“Hofstra Student Killed by Officer’s Bullet During Robbery,” May 18]. It is easy for all of you to sit in your living room and “Monday morning quarterback.” Direct your anger at the judge who let the criminal out. Direct your anger at the social programs that don’t work and the funds that are just thrown at them. Direct your anger at the animal and his family for not raising him right.Paul Carpentieri via Facebook[/colored_box][colored_box color=”blue”]“What are they expecting” is the real ?? RT @LongIslandPress: U.S. Military ‘Power Grab’ Goes Into Effect. Not Good.@MakingMyPoint via Twitter[/colored_box][colored_box color=”blue”]Jaclyn Gallucci’s article “Row, Row, Row Your Boat” [“Out There,” May] did an excellent job describing what rowing is all about. Her description of torrential downpours and waterspouts reminded me of a similar situation long ago with SRA’s Learn to Row program. Instead of waterspouts we saw lightning strikes bouncing off the water while my wife was sitting in a metal coach boat. One thing to always remember: rowing is, and always will be a water sport.William Ober, Head Coach, Huntington High Crew Team via email[/colored_box][colored_box color=”blue”]Love that my hometown paper, @LongIslandPress, made national headlines with their #WarPowers scoop@sparrowmedia via Twitter[/colored_box]last_img read more

Return on investment for credit union branching

first_img 12SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Anthony Burnett As Regional Director for LEVEL5, I prospect, identify and align the needs of financial institutions across the US with LEVEL5’s integrated service offering. We develop solutions that allow our … Web: www.level5.com Details A recent study released by the Financial Brand revealed the top priorities for financial institution (FI) marketers are: 1) Increase Wallet Share, 2) Increase Loan Growth and 3) Acquire New Customers. Given the branch has historically been a dominant tool in the FI tool belt, it would appear that these goals are challenged. In an increasingly omni-channel consumer society where branch visits are down and population per branch is low (thanks to the proliferation of branches), it would appear the deck is stacked against FIs trying to get a return on investment (ROI) from branching, while reaching its goals. This is especially true when we consider how branch use has changed.No longer is the branch the primary channel of choice for consumer transactions. Consumers today use branches for different things than they did even 10 years ago. Branch use for depositing, withdrawing, and transferring funds is a shadow of its former self. However, when we consider what the branch IS for today…there is more than a little light at the end of the tunnel.According to an Ernst & Young survey, 65% of sales occur in a physical environment i.e. the branch. So for FIs looking for a ROI for branching look no further than sales and service for your key driver of success. With this shift in mindset comes the opportunity for a new result.Marketers of brands like Apple and Disney keenly identify that brands change over time – they evolve. Furthermore, they know that the brand and the business are intertwined as they seek to make emotional connections with their customers to drive sales. A good example is Coca-Cola. Coke’s market cap is attributable not just to the commodity of soft drinks, but also to Coke’s iconic bottle, a physical embodiment of the brand. In fact, without the Coke brand, its value is half.FIs can learn from other retailers and develop specific strategies to get a ROI for their efforts to market their company’s brand in its primary channel, the branch.The journey begins with market research and analysis that drives to a business case for or against branch investment. Understanding the loan and deposit potential in a market can quickly start an effective narrative for branching by defining goals and expectations based on facts. Those facts frame our investment in land, building and people so we can predict with greater certainty what the future holds.Then based on these facts, we build a plan to connect with the opportunity. Our engagement begins by tailoring the interior space to the culture and desired customer experience. The focus is on enabling “bankers” to easily connect with their clients. The physical identity (architecture) and signage of the branch is an extension of the culture and makes a statement to the market at large so the market knows we are different. This means we don’t run the same play every time and in every community. Specifically, we don’t always use teller lines, or pods, or self-service, but look at each market’s components and then tailor our connection.As we build the connective environment, we are intentional to communicate our brand message in graphics, colors and materials. Our value to the community and customer cannot be guesswork because these components drive action – action taken by our employees to use these materials to cross sell, and action by the customers who are now educated on what we can offer.Bigger banks have taken these components to heart and are leading the way on branch experience and getting great returns. In late January 2016, JD Power revealed that customer satisfaction at big banks is at an all time high, which is remarkable given the attitude of the marketplace toward big banks after the financial crisis. Big banks have learned that customer engagement in the branch is powerful and they make their value proposition clear.The great news is we can quantify the ROI for branching using the tools mentioned above. For example, a FI in Michigan wanted to create a new customer engagement model in its community to achieve more loan opportunities. The plan included relocating a branch and remodeling a second facility with a new way of connecting, and the glue that held it together was training. The FI changed the engagement model to focus on asking questions and relationship building. They also changed their branch environment, and moved away from teller lines and used technology to automate routine activities. When the brand message became specific to the community and the FI’s mission, then the culture changed. Within the first two years, the FI has grown its loan to deposit ratio from 88% to 92%.Furthermore, a FI in the Southwest grew from $1.0 Billion to $3.5 Billion in 5 years while maintaining a ROA of 0.80 through a similar shift. The shift included a new engagement model in the branch, messaging throughout the customer experience, and a new identity to the exterior. The exterior change was important; it helped the community identify with the change. By the way, the bank quantified the business case through research before each move.In review, FIs can reach their goals of increased wallet share, loans and customer growth in the branch by following these steps:We are clear on what we want and whom we serve. Our customers are diverse and changing, so our channels must appeal to all generations.We tailor the message of the branch to the market, which includes doing our research and quantifying the loan and deposit opportunity – upfront. Then we focus the branch experience on the opportunity.Our goal is to establish an emotional connection with our customers and community to drive results. Our focus is on engagement and inviting the community in, so we listen more and talk less.Branch ROI can be quantified and results improved with focused strategy, tactics, and action. However, the road is vigorous and requires total attention.last_img read more

Congress returns this week: Flood insurance, government funding on agenda

first_img 9SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading » Congress is back in full swing this week, and NAFCU Vice President of Legislative Affairs Brad Thaler details lawmakers’ to-do list in a new NAFCU Today video, including the need to address fiscal 2018 government funding, reauthorize the National Flood Insurance Program (NFIP) and raise the debt ceiling, all by month’s end.Thaler also mentions possible action soon by the Senate on a House-passed Congressional Review Act resolution to withdraw the CFPB’s recent arbitration rulemaking. In the coming weeks and months, Thaler says, Congress and the administration will also continue work on tax reform, regulatory relief, housing finance reform and data security.“All these issues and more will be addressed during next week’s Congressional Caucus,” says Thaler.Congress this week will also be holding hearings addressing economic growth and the financial regulatory regime. Hearings include:last_img read more

Two charged with felony after check-cashing scheme

first_imgThe Broome County Sheriff’s Office says 19-year-old Sadeeq Tarry and 19-year-old Naomi Webster have both been charged with one count of grand larceny in the fourth degree, a class E felony. They say the fraudulent check-cashing scheme dates back to December of 2019. (WBNG) — The Broome County Sheriff’s Detective Division has arrested two individuals in connection to a fraudulent check-cashing scheme.center_img The sheriff’s office says Tarry and Webster were processed for arrest and issued appearance tickets.last_img

New HBS approach to increase transparency – Clifford Chance

first_imgHe said the industry group questioned “what had driven EIOPA to come up with new proposals”, lacking a formal request from the European Commission.Kloosterboer also noted that the period for the industry to comment on EIOPA’s recommendations, as well as the amount of time the supervisory authority would have to flesh out technical specifications, would be very short – particularly “given its intention to introduce new regulation in early 2015”.But Clifford Chance’s Van Meerten claimed the suggested frameworks were of “sloping strictness”, varying from a “Solvency II-ish” regime to an alternative in which the HBS could by deployed as a risk-management tool.“The introduction of the last and least strict model doesn’t even require new European legislation for capital requirements,” he said.“In the last model, the HBS is part of the governance and risk-management of pension funds.”Van Meerten acknowledged that EIOPA’s six frameworks were not appropriate for purely defined contribution schemes, including the Dutch pensions vehicle PPI, and said the advisory body would come up with additional proposals for this category.The legal expert also argued that the fact EIOPA wants assets and liabilities to be discounted against market rates, rather than just liabilities, is a positive.“Such a balanced approach seems much more logical,” he said.“As a result, Dutch funds might no longer be allowed to calculate their contributions against expected returns.”He also noted that the higher buffer requirements in the initial HBS proposals – previously criticised by the Dutch pensions sector – had now been forced on pension funds through national legislation, including the new financial assessment framework (FTK) in the Netherlands.He said the delegated competence for the European Commission to issue additional rules might have been removed from the revised IORP proposals, but he added that the debate over the issue was not over.“The important European Principal Treaties grant the EC the competence to issue detailed rules, which could also apply to prudence requirements for pension funds,” he said. EIOPA’s new principles-based approach to the proposed holistic balance sheet (HBS) is a positive development, as its central thrust is to increase “clarity” for pension funds’ participants, according to Hans van Meerten, an expert in European pensions at law firm Clifford Chance.He argued that all six of EIOPA’s suggested frameworks for the HBS focused on providing clarity on the composition of pension assets, when and how rights cuts are permitted, and how the principle of solidarity is shaped.The Dutch Pensions Federation, however, was sceptical.Its spokesman, Gert Kloosterboer, said: “We are not yet convinced of the benefit or the necessity of an HBS approach combined with quantitative rules.”last_img read more

COVID-19: Immigration department ends amnesty for foreigners

first_imgThe Department of Immigration Services has lifted amnesty on stay beyond the stipulated six (6) months that was caused by COVID-19 international travel restrictions. All affected visitors have 14 days to comply as at Monday, 14th September 2020. Among the raft of measures taken was to extend visitor passes and permits as the Imigration services automated the service assessible through the Foreign Nationals Services Portals.Get breaking news on your Mobile as-it-happens. SMS ‘NEWS’ to 20153 The DG through a statement however noted that all foreigners who had applied for the extension of their pass/permits would be required to produce it upon exit of the country.Also Read  Kenya marks World Alzheimer’s day amid renewed hopeKenya’s Jomo Kenyatta International Airport resumed operations under tight COVID-19 regulations after a 4-month shutdown.Opening Kenya’s airspace came after months of airlines preparing to conform to the World Health Organisation and International Air Transport Association’s health guidelines for operating passenger planes.Also Read  KNCCI training to help special group SMEs cope during COVID-19Kenya had already allowed local passenger services to begin on July 15 with authorities saying it was a test of the country’s preparedness before resumption of international passenger flights.The Kenya Airports Authority to conform to WHO health guidelines noted that it was a mandatory requirement for all passengers arriving in Kenya to fill in the COVID-19 Travelers Health Surveillance Form.Passengers are also required to display the received QR codes to port health officials for them to be allowed to proceed to arrival immigration.Also Read  President Kenyatta hails peace progress in S.SudanKAA in addition noted that all arriving passengers on international flights with a COVID-19 Negative certificate whose body temperature is NOT above 37.5° C (99.5°F), do NOT have a persistent cough, difficulty in breathing or other flu-like symptoms, have negative tests carried out within 96 hours before travel and are from countries considered low to medium risk COVID–19 transmission areas, shall be exempted from quarantine.“For passengers traveling out of the country, they will be required to abide by the particular travel, health and COVID-19 related requirements of the destination country,” KAA concluded in a statement. On April 8th, the Government of Kenya through the Ministry of Health outlined measures to curb further transmission of COVID-19 in the country. Director-General of Immigration Services Alexender Muteshi in a statement on Monday said the foreigners affected have two weeks to exit the country or apply for residency to regularise their stay.last_img read more

FCHD releases latest COVID-19 information

first_imgBrookville, IN — The Franklin County Health Department (FCHD) announces there have been 257 positive cases of COVID-19 in the county since mid-March. Health Officials also announced that 200 of those cases have recovered from the Coronavirus while there are currently 35 cases are being actively monitored, including 10 that are hospitalized.The total of COVID-19 related deaths in Franklin County is 22.last_img

Bale expected to train with Wales

first_img His club manager Andre Villas-Boas said the Welshman is unlikely to be fit for their Premier League opener against Crystal Palace, but he is currently part of Coleman’s plans for Wednesday’s friendly meeting with the Republic of Ireland. A Football Association of Wales spokesman confirmed to Press Association Sport that Bale reported to the team hotel ahead of a training session in Newport on Monday afternoon. But it is understood Bale is concerned about risking his fitness against the Republic with a potential big-money move on the horizon. Aside from deciding to what extent Bale can be involved in his plans this week, Coleman also has injury concerns over Arsenal midfielder Aaron Ramsey (ankle) and West Ham defender James Collins (knee). Press Association The Tottenham winger’s future remains in the balance as Real Madrid attempt to complete a world-record deal to take the 24-year-old to the Bernabeu, while reports have suggested Manchester United are set to enter the race. Bale has not played for Spurs in nearly a month and is currently nursing a foot injury. center_img Gareth Bale looks set to take some part in training with Wales on Monday afternoon after reporting for duty with Chris Coleman’s squad.last_img read more

Hughton angered by racist abuse

first_imgNorwich manager Chris Hughton is “disappointed, sad and angry” he and others still have to face up to racism in the modern game. UEFA, meanwhile, has on Thursday afternoon charged CSKA Moscow with “racist behaviour of their fans” after Manchester City’s Yaya Toure complained of monkey chants against him during the Champions League match in Moscow. The Russian club have denied any racist abuse took place during Wednesday night’s match, but will face a disciplinary hearing next week. Hughton, who is the only black manager in the Barclays Premier League, admitted the continuing instances were uncomfortable. “Regards my own situation I am disappointed, sad and angry, it is all of those emotions,” Hughton said at a press conference ahead of Saturday’s match against Cardiff. “It is not something that I should have to deal with, but it is something I am having to deal with. “It is in the hands of the appropriate authorities and I am quite sure the correct action will be taken.” Hughton believes the football authorities should take stronger action to deter such instances, particularly within the wider European game. “What they need to do is put themselves in a position as the ones who are being targeted and it is not a nice situation not to be in, let me tell you,” said Hughton, a former defender for Tottenham and the Republic of Ireland. “I think most of the penalties these days seem to be fines. Fines are easily paid by the bigger clubs. Do we need harsher penalties? Yes, we do, absolutely. The Norfolk club has vowed to ban for life any fan found guilty of racism after Hughton was the target of online abuse for the second time this season when supporters reported an offensive comment on an unofficial Facebook page. Police are currently investigating the matter, which follows a similar incident when a comment was left on a social networking forum, which has been treated as a hate crime. “The only way you will see an about turn and improvement is when you have harsher penalties. “It was a big Champions League game so UEFA have a real opportunity to do something. I think the punishments have to be a lot sterner, something that hurts a little bit more.” Hughton does not feel players walking off the field in protest is the answer. “I think it is very unfair to put it down to individuals. They face the brunt of the abuse,” he said. “Everybody reacts in different ways but it shouldn’t be their responsibility. “It should be the authorities, particularly when it is as vocal as it has been like on Wednesday night. “There was no question about that and it shouldn’t be left to anyone but the authorities.” Norwich head into Saturday’s home clash against Cardiff in the bottom three following the 4-1 defeat at leaders Arsenal, which was a fifth defeat in eight league games. Striker Rickie van Wolfswinkel is “touch and go” for a return from a foot problem, but Sweden international Johan Elmander should be available after his thigh injury from international duty. Hughton accepts Norwich have to start converting positive displays into points on the board. “We all know it is a results business, but if we keep playing as we are, we will be OK,” he said. Press Associationlast_img read more