In some instances, TD Bank engaged in abusive acts or practices by materially interfering with consumers’ ability to understand DCA’s terms and conditions. When TD Bank enrolled some consumers in DCA over the phone, TD Bank deceptively described DCA as covering transactions unlikely to be covered by DCA. In fact, TD Bank charges customers $35 for each overdraft transaction paid through DCA and DCA is an optional service that does not come with a consumer-checking account. The Bureau further found that when presenting DCA to new customers, TD Bank deceptively claimed DCA was a “free” service or benefit or that it was a “feature” or “package” that “comes with” new consumer-checking accounts. The Bureau specifically found that TD Bank charged consumers overdraft fees for ATM and one-time debit card transactions without obtaining their affirmative consent in violation of EFTA and Regulation E, both after new customers opened checking accounts at TD Bank branches and after new customers opened checking accounts at events held outside of Bank branches. Today’s consent order requires TD Bank to provide an estimated $97 million in restitution to about 1.42 million consumers and to pay a civil money penalty of $25 million. The Bureau also found that TD Bank engaged in practices prohibited by the Fair Credit Reporting Act (FCRA) and its implementing Regulation V. The Bureau found that TD Bank’s overdraft enrollment practices violated the Electronic Fund Transfer Act (EFTA) and Regulation E by charging consumers overdraft fees for ATM and one-time debit card transactions without obtaining their affirmative consent, and that TD Bank engaged in deceptive and abusive acts or practices in violation of the Consumer Financial Protection Act of 2010 (CFPA). TD Bank is headquartered in Cherry Hill, New Jersey, and operates about 1,250 locations throughout much of the eastern part of the country. regarding its marketing and sale of its optional overdraft service: Debit Card Advance (DCA). – The Consumer Financial Protection Bureau (Bureau) today announced a settlement with TD Bank, N.A. Use a password that differs from your other banking, email and social media accounts.WASHINGTON, D.C.Avoid using names, dates or numbers tied to your identity (such as birthday, family name, pets, street).Memorize it and do not disclose it to anyone else To make it stronger, include upper and lower case letters and special characters. Your password must include at least one letter, one number, and be 8-32 characters long.For added protection, your new password must be different from your previous password.Select Update Password and then complete the fields.Login and select your name in the top right corner.If you are already logged in to WebBroker, you can change your password anytime: Under the Password option, select the pencil icon and then complete the fields.Select Profile & Settings along the left side.If you are already logged in to EasyWeb, you can change your password anytime: Re-type your password in the Confirm new password field.On the Create Password page, enter your new password in the New password field.Verify your identity by using Two-Step Verification.Select Forgot your Username or Password?.We matched that to: How do I change or reset my password?įrom the EasyWeb or WebBroker login screen:
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“Roger was a quiet person who, unlike a lot of famous players, refused to capitalize on endorsements, because it would invade his family’s privacy.” – Jim McLaughlin, founder of Roger Maris Museum “Roger was just as humble as any human being I’ve ever met.” – Bill Weaver, friend But not before Roger autographed a Babe Ruth-autographed baseball for some guy.” – Walt Seeba, brother-in-law “While out one night in Sioux City, Iowa, “No one recognized Roger until five minutes before closing. “Roger treated his friends like one of the family, and when he came to Fargo, he came to see his friends.” – Wayne Blanchard, longtime friend Reflections from Longtime Friends and Famous Colleagues If you have questions about visiting the Roger Maris Museum, contact us. Displays and artifacts from Roger’s youth and Major League playing days.A replica of Roger’s Yankee Stadium monument.A video room for watching historic footage while sitting on actual Yankee Stadium seats from the Maris era.2, was fully renovated by West Acres in 2003. The museum, which was originally created by Bob Smith, Jim McLaughlin and American Legion Post No. More than 7,000,000 people visit West Acres every year, and while museum officials don’t track museum attendees, there is almost always someone viewing the memorabilia. Located in the Roger Maris Wing near the Aquarium Court at West Acres Shopping Center, the glass-enclosed museum enables visitors to re-live Roger’s legendary life. The Roger Maris Museum opened in Fargo, North Dakota – Roger’s hometown – in 1984, and true to Roger’s wishes, it is visible, accessible, and free. An incredibly humble man, he eventually relented but requested that the museum be “put where people will see it.” He also requested that the museum be open to the public free of charge. When approached with the idea of creating a museum in his honor, Roger Eugene Maris (Septem– December 14, 1985) – who hit a Major League Baseball record 61 home runs during the 1961 season for the New York Yankees, breaking Babe Ruth’s single-season record of 60 home runs in 1927 – declined. It can be ordered in a variety of body styles, including a cavernous high-roof extended version that has room to haul a plethora of tools, packages, or cargo. But for millions of small business owners and fleet managers, it's extremely relevant and particularly desirable. Here are the best minivans and vans for other years: 2022 | 2021 | 2020 | 2019įor most drivers, a commercial van such as the 2023 Ford Transit isn't on their radar. These are the best boxes around, where the most valuable performance is measured in cubic feet, not miles per hour. Using our extensive testing regimen, our team of editors vetted every one of the vans selected for our 2023 Editor’s Choice list. Alternatively, these vans are blank canvases for nomads in need of a comfortable, compact, and affordable mobile home. Meanwhile, smaller vans, such as the Ford Transit Connect or Mercedes-Benz Metris, serve admirably as efficient but spacious delivery vehicles. Or the Mercedes-Benz Sprinter, which can tow as much as some mid-size pickups. Take the Chrysler Pacifica, a three-row minivan with second- and third-row seats that quickly and easily fold away to create a flat load floor. These utilitarian vehicles are designed to handle the likes of carting kids to soccer practice to hauling sheets of plywood to a job site. The sound of bearings rolling on tracks is a song of versatility. Then there are the sliding rear doors that have long defined these people- and cargo-carrying machines. Power reclining seats with footrests, Netflix streaming, and plenty of high-definition displays today's minivans seem to have more in common with the average living room than their car, truck, and SUV kin. It took ages to finish (more than 4 hours!, as I left and did other things). Then I tried to update Spyder from version 5.2.2 to version 5.3.3, as suggested and using " conda install spyder=5.3.3" and all kind of conflicts appeared. There were a few minor problems but it seemed fine. Is that true?ģ) So I followed the instructions and use " conda update anaconda" instead. It says not to use pip, as it will break my installation. Is that normal?Ģ) While using Spyder, a window pops up suggesting to update. I ran one of my old little programs (that I pasted on the left pane of Spyder) by pressing the play button (the little green triangle) and it worked smoothly on the bottom right pane, while on the top right pane some data appeared coloured indicating if the numbers were part of a list or single integers.ġ) When I launched Spyder from the Anaconda Navigator, a command window pops in and out 6 times, and then it is kept opened, displaying something like " Active code page: 1252" and if I close that command window, Spyder also closes. Instead, Anaconda provides Spyder, which is fine with me. The author said that Anaconda comes with VS Code. I was still using Python 3.7.4 for my little simple programs, but I decided to update and use the latest version of Python installing Anaconda, following the instructions of a book. I apologize if this is not the right forum for the following problems and doubts. The piece, in which up to twelve closely but not quite consistently spaced computer-generated sine waves rise steadily from an A pitched below audibility to an A above, fading in, and back out, of audible volume, was then scored for twelve string players. Shepard scales in music Īlthough it is difficult to recreate the illusion with acoustic instruments, James Tenney, who worked with Roger Shepard at Bell Labs in the early 1960s, has created a piece utilizing this effect, For Ann (rising). Risset has also created a similar effect with rhythm in which tempo seems to increase or decrease endlessly. When done correctly, the tone appears to rise (or descend) continuously in pitch, yet return to its starting note. Jean-Claude Risset subsequently created a version of the scale where the steps between each tone are continuous, and it is appropriately called the continuous Risset scale or Shepard–Risset glissando. But because two of the instruments are always "covering" the one that drops down an octave, it seems that the scale never stops rising. So no instrument ever exceeds an octave range, and essentially keeps playing the exact same seven notes over and over again. When they reach the B, the horn similarly drops down an octave, but the trumpet and tuba continue to climb, and when they get to what would be the second D of the scale, the tuba drops down to repeat the last seven notes of the scale. They're all still playing the same pitch class, but at different octaves. When they reach the G of the scale, the trumpet drops down an octave, but the horn and tuba continue climbing. they all start playing Cs, but their notes are all in different octaves. They all start to play a repeating C scale (C–D–E–F–G–A–B–C) in their respective ranges, i.e. The illusion is more convincing if there is a short time between successive notes ( staccato or marcato instead of legato or portamento).Īs a more concrete example, consider a brass trio consisting of a trumpet, a horn, and a tuba. The scale as described, with discrete steps between each tone, is known as the discrete Shepard scale. (In other words, each tone consists of ten sine waves with frequencies separated by octaves the intensity of each is a gaussian function of its separation in semitones from a peak frequency, which in the above example would be B(4).) The twelfth tone would then be the same as the first, and the cycle could continue indefinitely. The two frequencies would be equally loud at the middle of the octave (F#), and the eleventh tone would be a loud B(4) and an almost inaudible B(5) with the addition of an almost inaudible B(3). The next would be a slightly louder C#(4) and a slightly quieter C#(5) the next would be a still louder D(4) and a still quieter D(5). As a conceptual example of an ascending Shepard scale, the first tone could be an almost inaudible C(4) ( middle C) and a loud C(5) (an octave higher). Overlapping notes that play at the same time are exactly one octave apart, and each scale fades in and fades out so that hearing the beginning or end of any given scale is impossible. The color of each square indicates the loudness of the note, with purple being the quietest and green the loudest. Escher's lithograph Ascending and Descending) or a barber's pole, the basic concept is shown in Figure 1.Įach square in the figure indicates a tone, any set of squares in vertical alignment together making one Shepard tone. Similar to the Penrose stairs optical illusion (as in M. The acoustical illusion can be constructed by creating a series of overlapping ascending or descending scales. Understanding the Symfony framework thus gives you many benefits when working with other projects. In fact, Laravel itself uses no less than 14 Symfony components. Symfony components can serve as great code examples and they are used in a lot of open source projects such as Drupal, phpBB, and Codeception. There are two benefits here: We can replace any component in a Symfony project, and we can take and use any Symfony component in a non-Symfony project. Like Laravel 4, Symfony 2 is designed as a set of decoupled components. Therefore, they are often called simply Symfony2/3. Fabien Potencier created Symfony 2, and the current version is 3.2, which is an incremental version of Symfony 2. Symfony 2 was released in 2011, but it must not be confused with Symfony 1, which was a totally different framework with different underlying principles. According to Google trends, it is three times more popular than other frameworks, and on GitHub, it has two times more stars than competitors. It is the most popular framework in 2016. Laravel declares itself as a framework for rapid development with a simple and beautiful syntax which is easy to learn, read, and maintain. The functionality of the framework was decoupled into separate components, which were managed with Composer, instead of everything being in one single huge code repository. Laravel 4 was released in 2013 and represented a complete rewrite of the framework. When speaking about Laravel, we are referring to Laravel version 4 and beyond. This article presumes strong PHP skills and an understanding of the MVC architectural paradigm, but no previous experience with Symfony or Laravel is required. This way, you can compare the code of real-life examples side by side. In this article, I am going to compare these two frameworks and show you how to implement simple, everyday features with each. However, PHP has no such single default and has multiple popular options to choose from.Īccording to Google trends and GitHub, the most popular PHP frameworks are Symfony with 13.7k stars and Laravel with 29k stars (at the time of writing this article). Many popular languages for web development have their “default” framework, such as Ruby on Rails for Ruby, or Django for Python. It’s become hard to imagine building a complex web application from scratch nowadays without one. Today, when starting a new project, one of the key decisions is to pick the right framework. Just download this freeware and explore more. In the meantime, it offers you basic video edit functions, which allows you to cut video clips, add special effects, and crop a video, etc. Therefore, it’s advisable to use this excellent program that enables you to convert MP4 to DivX free and fast. 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But the point of a priest is survivablilty, not dps, so this robe, yea sure I guess it’s ok, but not when compared to the mitigating buffs from shendyt.Ī. Water dragon robe: this one is debatable, since most people would trade some def in given you already have great survability. Shendyt of Geb +25 HP +25 MP +15 DEF +7 VIT +7 WIS. From UT and ST it’s worth looking at: Soulless Robe +60 HP +15 DEF. In standard shooting ranges it gives att, def, wis and mana. It’s just too low to be helped, plus it doesn’t really play in. Robes for: wizard, priest, necromancer, mystic, sorcerer, bard. Gsorc/mrobe: should be self explanatory, it’s just overall worse than shenydt, and yes it does boost your dps, but that’s like increasing a ninja’s vit. Soulless: same as a shendyt, except a pure ho BUFF is meaningless compared to the plethora of other stats from shendyt, especially because your tome basically fully heals you Robe: shendyt best robe for priest mainly because others have stat boosts that simply don’t suite the priest. If youre going for survivability, then Soulless or Shendyt is what you want. Tomes: t5 t6 prot puri/geb tome (no pint in having both, except maybe for wc) ago Shendyt if u care for the slight boost in wis, and soulless for max hp 4 ExitDude 5 yr. Wands: Recomp cwand the new wand from the dungeon no one does She (and the world’s biggest models) walked the runway with absolutely no makeup and blunt black wigs. “We did not match on purpose, it just happened, we walked out and we were like, ‘Oh this is great’. The Marc Jacobs Spring 2015 show was a major moment for Kendall. “I felt really honoured to wear it,” Jenner said of the look. Photographs captured Booker walking beside Jenner in a matching all cream outfit. Jenner’s look comprised a high-waisted beige pencil skirt covered in brown and white floral patterns and a matching blazer with a singular button across the chest, exposing her stomach. Jenner made headlines when she stepped out in a vintage Dolce & Gabbana look which emulated a similar look worn by actor Monica Belluci at the 1997 Cannes Film Festival. I’ve learned a lot since then.”Īlso in the episode, Jenner explained one of her recent looks while in Italy with her boyfriend, basketball player Devin Booker, during her sister Kourtney Kardashian’s wedding celebrations. “And I think I took the tips too seriously and ended up being really stiff when I got on the runway. “I remember going into my agency and getting a walking lesson, because I didn’t necessarily know what I was doing,” Jenner said. However, she said the walk was relatively easy because she was in flat boots, as opposed to tall heels. Reflecting on the beginning of her modelling career, Jenner said she “could not believe” that she was in the show at the time. Kendall Jenner walks 2014 Marc Jacobs show (Getty/Neilson Barnard) For the last decade and a half, the entire global box office has relied on the success of the Marvel Cinematic Universe, at the expense of almost everything else. ‘Write me an Avengers movie.’ Photograph: Marvel Studios/Courtesy of Marvel Studios The lyrics are far too long to publish here, but this is the opening verse and chorus:Īgain, this whole thing sounds like the very worst kind of transparent awards bait ever made, but please send all my Oscars to the Guardian office. Obviously its success would rest on the final song, so I asked ChatGPT to write it for me. But would I make it if I thought it’d win an Oscar? Of course. It sounds like a gigantic bummer that’s far too eager to patronise its audience. The film ends with her performing “a powerful song that embodies her journey and message of resilience and self-love”. She struggles to get accepted into a prestigious music school thanks to “the challenges she faces as a woman of colour in a male-dominated industry”, but eventually learns that “her success is not defined by societal expectations or past traumas, but by her own sense of self-worth and inner strength”. The young woman has experienced domestic violence and sexual abuse by a family member, but she still has a passion for singing that can’t be dented. Pressed for more detail, ChatGPT continued to deliver the goods. The movie it came up with was a drama called Unbroken Soul, about “A young woman’s journey of self-discovery and resilience as she faces the traumas of her past and battles against societal and personal expectations to pursue her dreams.” Which, I mean, just give me an Oscar now. My next prompt was simple: “Write me an Oscar-winning movie.” And this time, ChatGPT didn’t let me down. It’s getting harder and harder to make money from the movie business anyway, but scoring some sweet silverware isn’t an impossible feat. ‘Write me an Oscar-winning movie.’ Photograph: Javier Torres/AFP/Getty Images I’ll wrap it up for you.” With lines as dull as this, my dreams of becoming a billionaire faded away to nothing. It gave me a short scene in which Hemsworth visits Larson and tells her that he thinks he’s sprained his arm. Larson, it said, would play a doctor called Rachel Patel, so I asked it for some sample dialogue. Buoyed by the possibility of its suggestions, I asked for casting suggestions, and it offered Chris Hemsworth, Brie Larson and John Boyega. This is instantly more interesting, and points to a future where programs like ChatGPT don’t actually write movies, but generate plot ideas that could help human screenwriters out of trouble. This revelation sets off a race against time as the crew must not only find a way to survive the aliens’ attacks but also stop them from destroying Earth and prevent the same disaster from happening to another planet.” As the crew tries to negotiate with the aliens and find a way to peacefully coexist, they uncover a deeper conspiracy that reveals that the aliens had a hand in causing the natural disasters that have been devastating Earth. The crew discovers that the aliens are far more advanced than they expected and have the power to destroy Earth. The aliens have been monitoring the Last Hope’s journey and are hostile towards the human crew. “The distant planet, which was believed to be a potential new home for humanity, is already inhabited by an intelligent alien race. The outline it provided stated: “As they near their destination, the team discovers a dark secret that threatens not only their mission but the fate of humanity itself.” But that’s too vague, so I asked a follow-up question, wanting it to explain this dark secret. And this is where ChatGPT actually comes in useful. But better, hopefully, since that film only made $600m globally and I want to make billions. They build a spacecraft, the Last Hope, that will travel through a wormhole to a distant planet that has been identified as potentially habitable.” A team of scientists and engineers come together to develop a last-ditch effort to save the planet. The world’s governments have been unable to find a solution to the crisis, and the survival of humanity is now in jeopardy. The first paragraph of the outline reads: “In the near future, Earth is facing a catastrophic event caused by a series of natural disasters that have devastated the planet. In return, ChatGPT instantly came up with a science fiction action blockbuster called The Last Hope. I don’t just want to become obscenely rich, I also want to preserve the traditional moviegoing experience. This might sound like an act of avarice, but note the use of the word “theatrically”. The first prompt I tried was “write me the outline for a movie that will make billions of dollars theatrically”. ‘Write me the outline for a movie that will make billions of dollars theatrically.’ Photograph: freestyle_images/Alamy |
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