The usage of credit default swaps proliferated. If used correctly, the innovation could help spread the risk of a loan turning bad - with banks swapping the risk of borrowers defaulting on their loans to investors willing to take bets on those outcomes. In the mid-1990s, Demchak and the JPMorgan team were on the forefront of applying that same idea to the chance that companies may default on their loans. If a company feared interest rates or the price of oil would rise, they could protect themselves by swapping that risk with another entity, which took the other side of that bet. Corporations and investors could already swap the risks tied to interest rates, currencies and commodity prices. The idea behind those derivatives was simple. Morgan Was Corrupted by Wall Street Greed and Unleashed a Catastrophe." The Financial Times once called him a "whizz-kid." Commercial lenders at JPMorgan, wary of mathematical models upending their decades-old way of doing business, called him the "prince of darkness," according to the book "Fool's Gold: How the Bold Dream of a Small Tribe at J.P. Demchak helped lead JPMorgan's development of credit derivatives products, the type of financial engineering that contributed to the 2008 financial crash. "We can evaluate what's out there."ĭemchak came to PNC in 2002 as chief financial officer, marking his return to his hometown of Pittsburgh after a high-profile stint on Wall Street. "We're intelligent - hopefully, intelligent - takers of risk at the right price," Demchak said. Doing so may be "pretty attractive" for PNC, Demchak told analysts Oct. If the price is right, PNC may also gain valuable customers from competitors whose slimming-down campaigns are prompting them to exit some businesses. The $16.6 billion in capital commitments isn't all that large, but it helps PNC expand its work with private equity. Its balance sheet gave it ample room to buy a loan portfolio from Signature Bank after the crypto-heavy bank failed. The tougher environment has many regional banks actively looking to shrink, but PNC's stronger position means it remains much more open for business. He added that Demchak has proven to be one of the "most independent-thinking bank CEOs." "They continue to grind away one step at a time, with calculated risks, to show consistent progress," said Wells Fargo analyst Mike Mayo. PNC, in contrast, more skillfully prepared its balance sheet for whatever comes next, making sure it had more capital and thus flexibility. The regulators under the Biden administration are toughening up rules for PNC and other regional banks.īut other regional banks are facing bigger earnings pressures, or they're needing to readjust more as regulations get tougher. Its capital markets business has underperformed. Its stock price has fallen roughly 30% this year. Its profitability is down as depositors seek higher interest rates, prompting PNC to lay off 4% of its staff. To be sure, PNC isn't impervious to the struggles facing the banking industry. Critically, PNC made itself less vulnerable by buying securities with shorter durations than certain competitors - thus ensuring any pain was shorter-term - and it avoided putting too much cash into low-yielding assets. Its balance sheet was in decent shape too, even if its bond portfolio fell in value when a sharp rise in interest rates eroded the prices of low-yielding bonds. This year, as worries over regional banks popped up, PNC found itself in a stronger position than some competitors.ĭozens of banks reported deposit outflows after Silicon Valley Bank's failure in March, but PNC registered a tiny increase as its depositors stuck with it. "PNC is one of those that comes up often." "Investors are looking for high-quality, defensive names … sleep-at-night stocks," said Ebrahim Poonawala, an analyst at Bank of America. That doesn't happen overnight within the banking sector."įew investors are buying bank stocks this year, but those who are often think PNC would be more resilient if a recession hits. "That reflects a high level of credibility. "The investment community is willing to bet on Bill Demchak and bet on PNC, because of the track record that he and the company has had throughout multiple cycles," said Terry McEvoy, an analyst at Stephens. But analysts credit his steady hand for growing PNC into a strong national franchise - one that isn't immune to industrywide pressures but often finds a way to the top of the pack. Leading the charge is Bill Demchak, who's been PNC's CEO since 2013 and has spent two decades at the bank.ĭemchak, whom American Banker is naming Banker of the Year for 2023, declined an interview request.
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Dynamic shapes: rectangles and rectangles with rounded corners.Through integration with Behance, you can share your projects with other users and get instant feedback about your work from designers around the world. Improve your skills and learn new tools through a large and constantly updated collection of training videos. Therefore, its users are available all the latest updates, and access to new versions is provided from the time they are released. Adobe Illustrator CC 2015 is part of the Creative Cloud. Description: Adobe Illustrator CC Is an industry-standard vector graphics software widely used by designers in various fields of digital graphics, illustrations and printing, in the development of any kind of multimedia resources, such as printed materials, Internet content, interactive media, video clips and mobile applications. To view Illustrator in HiDPI mode, the monitor must support a resolution of at least 1920x1080.1024 x 768 monitor resolution (1280 x 800 recommended).2 GB of free hard disk space for installation additional free space required for installation (not installed on removable storage devices based on flash memory).1 GB of RAM (3 GB recommended) for the 32-bit version 2 GB of RAM (8 GB recommended) for the 64-bit version.Microsoft Windows 7 with Service Pack 1, Windows 8 or 8.1 and 10.Processor Intel Pentium 4 or AMD Athlon 64.Program version: 22.0.0.244 Language: Multilingual Platform: x86 / 圆4 Developer: Adobe Illustrator CC Medicine: All cured Author of assembly: KpoJIuK System requirements: For more Latest Tutorials and Win-Mac Softwares don't forget to visit King Arthur: Knight’s Tale (PS5, Xbox One, Xbox Series X) - Feb.Tomb Raider 1-3 Remastered Starring Lara Croft (PC, PS4, PS5, Switch, Xbox One, Xbox Series X) - Feb.Suicide Squad: Kill the Justice League (PC, PS5, Xbox Series X) - Feb.Persona 3 Reload (PC, PS4, PS5, Xbox One, Xbox Series X) - Feb. Granblue Fantasy: Relink (PC, PS4, PS5) - Feb.Tekken 8 (PC, PS5, Xbox Series X) - Jan.Like a Dragon: Infinite Wealth (PC, PS4, PS5, Xbox One, Xbox Series X) - Jan.Apollo Justice: Ace Attorney Trilogy (PC, PS4, Switch, Xbox One) - Jan.Another Code: Recollection (Switch) - Jan.Prince of Persia: The Lost Crown (PC, PS4, PS5, Switch, Xbox One, Xbox Series X) - Jan.Bulletstorm VR (PC, PS5, Quest) - Jan.Alone in the Dark (PC, PS5, Xbox Series X) - Jan.Here’s a look at what the year has in store for upcoming games coming to Nintendo Switch, PlayStation 5, Windows PC, Xbox Series X, and other current gaming platforms. While video game release dates are always in flux, Polygon’s guide to the new video games (and remakes of classic video games) coming out in 2024 will be regularly updated with new games, release dates, and inevitable delays. Heck, we might even get Grand Theft Auto 6 next year.Ģ024 could be even bigger if Nintendo releases its Switch successor, which is reportedly planned for launch in the second half of the year. Major new games like Star Wars Outlaws, Tekken 8, and Final Fantasy 7 Rebirth are on the docket, as are major new expansions for Destiny 2, Final Fantasy 14, Elden Ring, and World of Warcraft. While 2023 has been a banner year for video games, with the releases of Baldur’s Gate 3, Diablo 4, Final Fantasy 16, Starfield, Street Fighter 6, and The Legend of Zelda: Tears of the Kingdom, the year in video games for 2024 is already looking like an even match. Sociology professors Kerr and Beaujot analyze the demographics of impoverished families. Journal of Comparative Family Studies, 34(3), 321-335. Child poverty and family structure in Canada, 1981-1997. This offers context for analyzing the scope and financial reality of child poverty in Canada. However, Battle does offer a valuable source for this essay, because the chapter provides a concise overview of government-funded assistance currently available to parents. He could make this work stronger by drawing from the perspectives of others' analyses. However, Battle relies too heavily on his own work he is the sole or primary author of almost half the sources in his bibliography. He laments that the Conservative government scaled back the program in favour of the Universal Child Care Benefit (UCCB), and clearly explains why it is inferior. He outlines the NCB’s development, costs, and benefits, including its dollar contribution to a typical recipient’s income. He pays particular attention to the National Child Benefit (NCB), arguing that it did not deserve the criticism it received from politicians and journalists. His comparison of Canadian child poverty rates to those in other countries provides a useful wake-up to anyone assuming Canadian society is doing a good job of protecting children from want. He outlines some fundamental assumptions supporting the belief that all society members should contribute to the upbringing of children. Ken Battle draws on his research as an extensively-published policy analyst, and a close study of some government documents, to explain child benefits in Canada. Waterloo, ON: Wilfrid Laurier University Press. (Eds), A question of commitment: Children's rights in Canada (pp. Child poverty: The evolution and impact of child benefits. Sample Page: APA-formatted annotated bibliographyīattle, K. Your professor might also want you to explain why the source is relevant to your assignment. Your findings can be positive, negative, or mixed. You might want to consider the logic of authors' arguments, and the quality of their evidence. Many annotations evaluate the quality of scholarship in a book or article. Some annotations are merely descriptive, summarizing the authors' qualifications, research methods, and arguments. This example is based on the APA style guide, but your instructor might give you other formatting instructions. The Publication Manual of the American Psychological Association 7th edition (APA Manual) is kept behind the iDesk on the First Floor. Creating an annotated bibliography in APA style Keep in mind that titles are pre-programmed, so you will have to wait until a specified broadcast time to watch a movie that you want like traditional TV. PureVPN boasts an outstanding network of international VPN servers and a vastly improved client app, but its privacy policy leaves us scratching our heads. It offers a modest refresh from the more significantly redesigned 2021 model notably. You can still stream free movies on a services like Pluto or Tubi via their live channel offerings. Apples 2023 update to its flagship MacBook Pro 16-inch line follows the companys usual MO. We'll note that The CW has a limited slate of feature films available on its app such as Looper, Men in Black and Shrek the Halls. You can stream a small amount of movies from your favorite networks on their dedicated apps, but we opted not to include them on this list as some (like ABC) require you to be registered with a cable/TV provider to watch. What about free apps for networks like ABC, PBS, CW and others? With a focus on speed and security, PureVPN offers almost everything you could want in a VPN service for Mac. Surfshark is a great-value VPN that offers quite a lot features beyond the core VPN service for a low monthly. PureVPN for Mac is a VPN service provider that offers most secure and the fastest VPN service. Price When Reviewed: From 2.49 per month. PureVPN has a very impressive Trustpilot score 4.8/5. PureVPN has been consistently rated as the best VPN by cybersecurity experts as well as our users. Fastest Vpn Purevpn free download - PureVPN Mac VPN Software, VPN Comet - The Fastest VPN, PureVPN - Free VPN for Android TV, and many more programs. The only exceptions on this list are Kanopy and Hoopla. PureVPN offers apps for Windows, Mac, Android, iOS, Android TV, Firestick, and even your router. Whether you're watching a live channel or on-demand video, most of these services will run ads during your viewing experience. PureVPN Review Speed Test After conducting performance and speed tests while connected to PureVPN, it was clearly evident that the service provider is not taking any chances whatsoever, and does manage to provide exceptional speeds. The trade-off for streaming free content is that you have to tolerate commercials. The second part of the aspiration is called thrill seeker and has four sections to complete: Use a Vending Machine or Computer to Purchase a Remedy or Deterrent.The first stage of the aspiration is called snow student and has three tasks to complete: The extreme sports enthusiast aspiration comes with The Sims 4: Snowy Escape and focuses on spending time on the mountain going snowboarding, skiing and rock climbing. Komorebi’s wilderness and participate in extreme snow sports.” The next level of this aspiration has 3 levels and is called Fit to a T and your sim will need to complete the following:įinally, your sim is going to need to work through the bodybuilder stage of the aspiration and complete these tasks: Push the Limits for 1 Hour While Energized.This first level is called basic trainer and your sim will need to complete the following:Īfter finishing the first level your sim is going to need to work through exercise demon where they will need to finish the following 3 tasks: Your sim will need to max out the fitness skill and get to their peak fitness level. The body builder aspiration came with the base game for The Sims 4 and has 4 levels to get through. “This sim wants to work out and become as strong as they can be!” Be friends with 12 animals at the same time.The final part of this aspiration is BFF of the animals and you’ll need to complete 3 items: The next part of this aspiration is called best friend of the animals and your sim is going to need to finish 3 more items: The next level of this aspiration is called friend of the animals and your sims will need to complete 3 things: The first level is called Acquaintance of the Animals and your sim will need to complete three items: This aspiration came with The Sims 4: Cats & Dogs and has four levels for your sims to work through. “This sim wants to be friends with the animals.” But one thing is for certain all fees at Spas are waived! Nice! Nobody is really sure where it came from, how to cancel it, or who keeps paying for it each month. Spa Membership: These sims somehow came into possession of Spa Membership. Prepared Voyager: Sims who are Prepared Voyagers fill up their needs slightly when travelling. Gregarious: Gregarious Sims build friendly relationships faster. Home Turf: These Sims become happy when they are in their home neighbourhood.Īlluring: Alluring Sims are more successful at romance than others.Ĭollector: Collectors can find rare collectibles more often. Quick Learner: Quick Learners build all skills a little bit faster. Muser: Musers get better boosts to their skills when they are inspired.ĭastardly: Dastardly sims perform stronger and more successful mean interactions.ĭomestic: Domestic sims will see their familial relationships grow stronger faster.Įssence of Flavour: Sims with essence of flavour make higher quality food and drink.īusiness Savvy: Business Savvy sims earn more money from their careers. High Metabolism: It is easier to stay fit and trim when you have High Metabolism. There are fourteen different bonus traits that your sims can get depending on the category of sims 4 aspirations they decide on: Aspiration CategoryĪnimal Affection: Relationships with animals begin at higher values. They are actually extremely helpful in completing these aspirations because they are designed to make everything easier depending on the category. These bonus traits are going to stick with your sims and are based on what category of aspiration your sim has. These bonus traits are given to your sims when you give them these aspirations in create-a-sim or when your sims age up to a teenager. The first thing that you need to understand about sims 4 aspirations are the bonus traits that come right along with them. Not exactly what you were thinking I was going to say is it? But it’s true guys, I can’t tell you if the the best sugar cookies are crispy or soft, spread, doesn’t spread, puffy, straight, heck maybe it’s Queen of Englands tea biscuit’s. The best rolled sugar cookies are actually the sugar cookies that suits your needs in the absolute best way, best is subjective. How can a recipe be the best rolled sugar cookie recipe? What kind of sprinkle sauce are you drinking here Toni! Well first let’s talk about what makes the best rolled sugar cookies. Let’s first address the giant sugar cookie elephant in the room? It’s that “best” word. In order to nail those cut out sugar cookies like a pro you’re going to need the best sugar cookie recipe. PART 1 TO ROLLED SUGAR COOKIE SUCCESS – A GREAT SUGAR COOKIE RECIPEįirst things first. However, the newest recipe you will find directly below is what I use most often use now when cookie decorating. Both recipes are great and I use them interchangeably when needed. The original rolled sugar cookies are a little softer and spreads a little more. UPDATE! For those of you asking for the original sugar cookie recipe from my old post, no worries! I’ve added the original recipe to the bottom of this post as well. YES! It’s true! Ready to make the best rolled sugar cookies the easy way? Let’s roll! (I like just a tiny bit of spread to give it a smooth shape.) But wait for it, no floured counters necessary. These roll out sugar cookies have very little spread. No more out of shape sugar cookies that have spread into blobs in the oven. This baking 101 post has always been one of your favorite posts on my old site and I am bringing it over to the new site here better then ever! Over the years I’ve changed my go-to rolled sugar cookie recipe bit by bit until I got to the perfect sugar cookie recipe that’s super easy to make and every bit as yummy. This no chill + easy sugar cookie recipe is the perfect yummy canvas for decorated sugar cookies whether you’re a cookie decorator or simply looking for an easy sugar cookie recipe to create frosted holiday memories. Together we’ll dive into Rolled Cookies 101: making the sugar cookie dough, tips and tricks to easily perfect your cut out sugar cookies, as well as my must have cookie tools. Hey hey hey there sweet friends! Looking to end your search for the best rolled sugar cookies? You’re in luck! I’ve got you covered with this comprehensive guide to my version of the The Best Rolled Sugar Cookies which will having you baking cut out sugar cookies like a pro in no time. This is where you can set a new speed - faster or slower. This will bring up an option to change the speed. Move the play head over the moment you want to change the speed, then right-click on the play button on your clip. You’ll see a line of arrows pop up at the top of your clip. To do this, click on the clip, then use the keyboard shortcut Control-R (Windows) Command-R (Mac). Now, you can use the Pen tool to move the rubber band on your clip up or down, increasing or decreasing the speed of your clip in the selected time you chose.Īdding “Speed Points” in Resolve is a great way to set in and out points on your clip on the timeline. Third, Mark IN and OUT on the clip you want changed in your timeline, then right-click >Show Clip Keyframes> Time Remapping> Speed. Then, once you have the clip in your media pool, right-click on the clip, hit Modify>Interpret Footage, then under Frame Rate check the Assume this frame rate box and enter in 23.976, then press OK. This will give you a smoother slow-motion shot that won’t look weird upon playback. Second, make sure to shoot footage at 120 frames per second. In this video from Robbie with Shutterstock Tutorials, you’ll find three different methods/solutions for enabling a proper speed ramp effect.įirst, to change the Speed/Duration of a clip, just right-click on the clip in your timeline, hit Speed/Duration, then change the percentage to under 100 percent for a slower speed or over 100 percent for a faster speed. FCPX’s robust built-in tools makes the ability to master speed ramps attainable. If you’re looking for a way to add a little more liveliness to your videos, adding speed ramps is the perfect place to begin. With the speed ramp tool, we were easily able to turn a somewhat uneventful twenty-second clip into a vibrant and lively six-second clip that could stand on its own. I also included the non-speed-ramped clip, in case you wanted to use it. Here’s the downloadable link if it needs to be inserted differently. Once you dial in all of these steps, you have your finished speed ramp inside FCPX. The lemon flavoring was meant to be paired with blueberries! I love adding in a little extra lemon zest to really take the flavor over the top. This simple sauce recipe is one that you can use to top anything! Add it to low carb ice cream, drizzle it on top of any of the desserts on this list, or have it be a dip for something sweet. I also love using my muffin tin because it bakes them perfectly in nice little portions that I can take with me on the go. One of my fave keto blueberry recipes!īaking muffins with extra protein is never a bad idea. Perfect for brunch or a party to share with guests. Once you combine the wet ingredients with the dry ingredients to make the batter, the recipe is literally done and ready to bake. It's simple to make - and also easy to vary the berries as well by adding either blackberries or raspberries. I tend to use it like a blueberry sauce as well and drizzle it over the top of various desserts.Īdding the cream cheese is what gives this dessert recipe a nice and creamy texture - and an addictive one. Made using a low carb sweetener, this jam recipe is so good! It can be added to any type of low carb bread or the top of a dessert with an almond flour crust. One of my fan's favorite keto blueberry recipes. Once you put these dessert bars in your oven to bake, you are going to be ready to eat! This recipe reminds me of the blueberry cobblers that I used to eat when I was little since it has crumble topping on top. Made with almond flour and coconut flour. I love having a cup of tea or coffee with them, and good company, too. Start off your day with this simple scone recipe. The recipe card will also tell you if they are dairy-free, gluten-free, and without sugar. If you love berry recipes, check out my Keto Raspberry Muffins as well!Įach recipe will tell you the grams of net carbs so that you know exactly how many you are eating. I've gathered up some of my best to share with you, and I think you will love them, too. The next time that you have a craving, check out the keto dessert recipes and ideas below. By subscribing, I consent to receiving emails. If you’re new to sewing then make sure you head to our beginners guide to sewing and our how to use a sewing machine guide, which will teach you all the basics you need to know. This project was created by Leah for Mollie Makes magazine – for more easy-make craft projects and creative inspiration, subscribe to Mollie or click here to find out more. Simply turn two of your favorite animal figurines into gold bookends. All seams are stitched using an 0.5cm (¼”) allowance. If you’re mixing different prints, choose ones in the same palette for a coherent look. Use the same type of fabric in different colours or prints for a smooth finish. Leah Farquharson will show you how to make these super simple bookends that you can make for yourself or give to a book-loving friend! These DIY bookends are a great rainy afternoon project, ideal for using up a fat quarter pack or some of your beloved leftover scraps. just wrap your each bookend (focusing on the front vs the sides) and tape underneath.We do love a perfectly styled bookshelf here at Mollie HQ – colour-arranged displays and plenty of knick-knacks are our kind of eye candy. to give the bookends a cleaner texture, cover the wedge with cardstock (which i unfortunately forgot to take a pic of). Keep your book collections staying in place and also stylish at the same time with the DIY bookends. tape up the last end once it’s filled.ġ0. Rotating the book end often to get under and around all parts of the dinosaur. you can fill with sandwich bags full of sand (HA), rocks, dirt, dead batteries - anything that’s heavy. Step 4: Pop of Color Add some color pop This part is cool because it makes the piece look solid.like 1 piece, purchased that way Spray paint in light coats with 10 minutes drying time between coats. you can then turn it over and trim any excess. you’ll now you have pieces that should “plug in” to your existing wedge. cut that outside edge, but just the top layer and the corrugation. now do what you did before with the folds. it’s better to go outside the line here than inside the line (because you can always cut more off)Ġ8. cut out your triangles on the outer line. These DIY bookends are a great rainy afternoon project, ideal for using up a fat quarter pack or some of your beloved leftover scraps. I wanted the rocks to sit straight, so I. mark each triangle to its corresponding side.Ġ7. I didnt love the tusks, so I trimmed them off with scissors, then gave each animal a few light coats of spray paint. hold in place and mark both the inside and the outside with a pencil. use the wedge as a stencil on another piece of cardboard. mark each side of your wedge with a number or a symbol or a nickname or something, so you know which side is which later (when you’re cutting triangles)Ġ6. use the lip you cut out of the bottom to line-up a flush edge. fold together and tape to make your wedge. and then again at the tip (bottom) of the main piece.Ġ4. repeat this with the other mark on your main piece. DON’T CUT ALL THE WAY THROUGH. just cut through top layer, and through the corrugation of the cardboard (the wavy middle piece).Ġ3. once you’ve made two cuts on either side of the mark, you can use tweezers or your fingers to peel away the top layer along with the corrugation, leaving just the bottom layer and a blank space that lets you fold the cardboard in on itself. OUR SIZE FOR THE MAIN PIECE : 5” x 15 1/4” (4” base, 6 1/4” back, 5” diagonal)Ġ2. cut your main piece, and then mark lines at the 4” and 10 1/4” mark (see? 5” left? get it?) x-acto cut about 1/16th inch on either side of these marks. And voila Slide your books between the bookends. This example ended up with matte black spray paint as the final coat. To create the book ends, I needed to cut out four pieces 2 pieces of 4.5x4.5 and 2 pieces of 4.5x5.25. Step 4: Attach the side piece to base first. Step 3: Center wood letter on base piece and predrill two holes down through base into letter. Find creative and fun ideas for striped, dinosaur, telephone, galaxy, coral, faux ceramic, and other bookends. Set the bookends out on a drop cloth and spray them with the color of spray paint of your choice. Step 2: Pre-drill two holes down through the 5 (base) piece and into the end of the 4 side using a countersink bit. I measured the length and height of the letters to determine where I should cut the boards. then unfold it to measure the pieces. we decided to make the sides (triangles) separately, so they would fit snug and custom to each end. Learn how to make your own bookends from various materials, such as wood, metal, cardboard, and more. Once Id picked out my letters, I cut some thin wood boards to size. if you want to make a mockup, build one at an approximate size to see the wedge shape. |
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