1. Lakes and ponds in the Larsemann Hills and Bolingen Islands (East-Antarctica) were characterised by cyanobacteria-dominated, benthic microbial mats. A 56-lake dataset representing the limnological diversity among the more than 150 lakes and ponds in the region was developed to identify and quantify the abiotic conditions associated with cyanobacterial and diatom communities. 2. Limnological diversity in the lakes of the Larsemann Hills and Bolingen Islands was associated primarily with conductivity and conductivity-related variables (concentrations of major ions and alkalinity), and variation in lake morphometry (depth, catchment and lake area). Low concentrations of pigments, phosphate, nitrogen, DOC and TOC in the water column of most lakes suggest extremely low water column productivity and hence high water clarity, and may thus contribute to the ecological success of benthic microbial mats in this region. 3. Benthic communities consisted of prostrate and sometimes finely laminated mats, flake mats, epilithic and interstitial microbial mats. Mat physiognomy and carotenoid/chlorophyll ratios were strongly related to lake depth, but not to conductivity. 4. Morphological-taxonomic analyses revealed the presence of 26 diatom morphospecies and 33 cyanobacterial morphotypes. Mats of shallow lakes (interstitial and flake mats) and those of deeper lakes (prostrate mats) were characterised by different dominant cyanobacterial morphotypes. No relationship was found between the distribution of these morphotypes and conductivity. In contrast, variation in diatom species composition was strongly related to both lake depth and conductivity. Shallow ponds were mainly characterised by aerial diatoms (e.g. Diadesmis cf. perpusilla and Hantzschia spp.). In deep lakes, communities were dominated by Psammothidium abundans and Stauroforma inermis. Lakes with conductivities higher than +/-1.5 mS cm(-1) became susceptible to freezing out of salts and hence pronounced conductivity fluctuations. In these lakes P. abundans and S. inermis were replaced by Amphora veneta. Stomatocysts were important only in shallow freshwater lakes. 5. Ice cover influenced microbial mat structure and composition both directly by physical disturbance in shallow lakes and by influencing light availability in deeper lakes, as well as indirectly by generating conductivity increases and promoting the development of seasonal anoxia. 6. The relationships between diatom species composition and conductivity, and diatom species composition and depth, were statistically significant. Transfer functions based on these data can therefore be used in paleolimnological reconstruction to infer changes in the precipitation-evaporation balance in continental Antarctic lakes.
Image: Oseberg’s New Mexico dataset. Photo: Courtesy of Oseberg. Oseberg, an Oklahoma City-based leading upstream oil & gas data transformation technology company, announced the release of a ground-breaking new market intelligence product for the New Mexico oil & gas industry. For the first time, operators now have direct access from within one application to multiple sources of New Mexico public oil & gas information including Federal BLM, State Land Office, Oil Conservation Division (OCD) and county courthouse records (from the 4 key Delaware/Permian Basin counties, Chavez, Eddy, Lea & Roosevelt).These datasets provide full visibility to market activity throughout the asset development lifecycle. Data includes deeds, leases, assignments, agreements, spacing & pooling applications and orders, spacing units, communitizations, state & federal drilling permits, and well information including completion, frac and monthly production.Data is accessible through Oseberg’s flagship search & mapping application, Atla, along with dataStream Web Services and Oseberg’s ArcGIS Map Services. In addition, all the county records and OCD regulatory filings are accessible via Full Text Search (“FTS®”), a powerful “Google-like” search interface that allows customers to search hundreds of thousands of documents for specific words or phrases in seconds.Mr. Cris Byers, Product Manager at Oseberg, commented: “This new dataset is already helping our clients find mineral owners, map pools by formation, navigate through federal leases and communitizations and determine working interest and overriding royalties. It’s a treasure trove of data that has been difficult to find all in one place in the past.” Oseberg’s Director of Product, Rich Herrmann, added: “It’s not just about putting well locations and lease outlines on a map. We are extracting rich information from unstructured data sources, making previously unsearchable data searchable and therefore useful. It’s a game changer.”Mountain Lion Oil, based out of Houston TX, was an early Beta partner of the New Mexico product. President Griffin Haby was exuberant: “In a scarce public data environment, Oseberg is king in New Mexico! They allowed us to analyze current and future production in seconds versus hours. Very thankful we were included in the Beta testing and had a chance to get a jump on competition in the royalty space.” Source: Company Press Release Data is accessible through Oseberg’s flagship search & mapping application, Atla, along with dataStream Web Services and Oseberg’s ArcGIS Map Services
By Donald WittkowskiThose balloons that are launched during birthday parties, weddings, graduations and other celebrations don’t simply float away harmlessly into the upper atmosphere, never to be seen again.Acknowledging the potential harm to marine life and the environment, Ocean City will consider joining three other nearby shore towns that already ban the mass release of helium balloons.At least three members of City Council, Karen Bergman, Michael DeVlieger and Tony Wilson, have expressed interest in studying the balloon ordinances approved by Margate, Longport and Ventnor to see if a similar ban would be appropriate for Ocean City.Speaking during Council’s meeting Thursday night, Bergman called mass balloon launchings “detrimental” to the environment and sea creatures.“I think 40 balloons going into the air at the same time is not good for marine life,” she said.Bergman stressed that she has no desire to crack down on the incidental release of a small number of balloons, particularly if children were involved.Although Ocean City may consider banning the mass release of balloons, it would not look to prohibit their sale, DeVlieger noted.“We’re not against the sale. We’re against the mass release,” he said in an interview after the Council meeting.Wilson suggested that Council should work with the Ocean City Environmental Commission to study the issue in more depth.Council members Karen Bergman, Michael DeVlieger and Tony Wilson have expressed interest in a possible ban on mass balloon releases.The Environmental Commission’s chairman, Marty Mozzo, told Council that he objects to prohibiting balloon launches. He said he would prefer to educate the public about the environmental threat caused by mass balloon launches instead of imposing an outright ban.“Education is the key thing, more than enforcement,” Mozzo said.Mayor Jay Gillian, who also spoke during the Council meeting, did not say whether he would support or oppose a balloon ban. But Gillian did agree with Mozzo that a public education campaign should be a big part of “whatever we bring forward.”Margate, Longport and Ventnor, all beach towns on Absecon Island close to Ocean City, have put teeth in their laws by including a $500 fine for violating their ban on mass balloon launches. Atlantic City’s Council has introduced a similar measure, but has not yet taken a final vote to approve it.Environmentalists say turtles and other sea creatures often mistake deflated balloons floating on the water as jellyfish and try to eat them, which can block their digestive systems and cause them to starve to death.Carol Jones, a Tuckahoe resident and volunteer with the environmental group Surfrider Foundation of South Jersey, has appeared before City Council in recent months to urge Ocean City to ban the mass release of balloons.Jones said balloons can drift far out over the ocean before they finally fall into the water. She recalled seeing one turtle swallow a deflated balloon while she and her late husband were about 1,000 miles out on the Atlantic while on a sailing trip to Europe.“Those balloons travel far and last a long time,” Jones said in an interview Friday.Birds also are endangered by balloons, explained Bill Stuempfig, an Ocean City resident who is a bird-banding volunteer with the New Jersey Department of Environmental Protection’s Division of Fish and Wildlife.Stuempfig, who is Jones’ boyfriend, said birds can become entangled in the ribbons or strings attached to balloons, similar to the way they are snarled in discarded fishing line.“I’ve recovered four different birds in the last four or five years that were entangled in ribbon,” he said.Strings or ribbons attached to balloons can be deadly for birds, as shown in this U.S. Fish and Wildlife Service photo.He also pointed out that deflated balloons can end up as litter, clogging bird nets or covering the birds themselves, including the chicks.“I see balloons in the nests a lot and take them out,” Stuempfig said.On its website, the U.S. Fish & Wildlife Service tells the public: “Please don’t release your balloons.”“Balloons are great at birthdays, weddings, graduations and more, but once they get loose, balloons can pose a threat to many animals,” the Fish & Wildlife Service warns. A U.S. Fish and Wildlife Service photo shows a balloon cleanup at an unidentified beach town.
It’s a sign of our environmentally conscious times that reducing food waste was one of the driving factors behind Honeytop Speciality Foods’ decision to invest in technology for applying resealable closures to a line of own-label tortilla wraps.The Zip-Pak ’press-to-close’ seal means that shoppers can keep their tortilla wraps fresh between meals, thereby reducing wastage. What’s equally important is that it also helps the products to stand out on shelf, says Honeytop joint MD David Laurence. “This new machine and the reclosable packaging help us to differentiate our products. Reclosable packaging offers consumers the added flexibility and convenience they demand.”The closure is applied using a ZipPak Reseal 360XM applicator unit attached to a Fuji Alpha flow-wrapper. According to Fuji’s technical manager Charles Ingham, the applicator unit applies the seal to the film as the product is wrapped – a more cost-effective method than using pre-made bags or film with the seals pre-applied.”Pre-made bags have to be filled individually, while if it is pre-applied to the film, you can get less on a reel, which means more change-overs,” he says. Even so, having to apply a seal does still slow down flow-wrapping speeds, with the Alpha’s top rate of 120 packs per minute cut by around half.In plant bread, consumers have long been able to reseal their loaves, thanks to the sticky plastic tape used to close the bags. But even the simplest designs can be improved as evidenced by a tape application machine from the newly launched UK subsidiary of US company Burford Corporation. As well as applying tape to bags of plant bread, the TCS Tamper Evident Tape Closure System also applies a paper strip across the ’legs’ of the tape, which makes it easier to pull apart and acts as a tamper-evident seal.”It provides another way for bread companies to demonstrate due diligence and the integrity of their product,” says the company’s UK sales manager Terry O’Donoghue. “The machine is designed completely differently to others on the market, with a different concept for applying tape. The type of rollers we use means we can apply tape with a stronger level of adhesive, which means they are easier to reseal and bags are less likely to burst open.”The TCS, which runs at over 80 loaves per minute and has already been taken up by Hovis and Vogel, incorporates a Markem Smartdate 5 thermal printer for codes and ’sell by’ information. Options include manual or automatic tie height adjustment and the machine will work with a number of substrates including polyethylene, polypropylene and paper bags.Select Bag Sealers has also introduced new bag-sealing technology recently, which ensures tape and printed information is applied extremely accurately. Launched last year, the SBS-Thurne Flexi Sealer can be electronically raised and lowered, as well as adjusted width-ways, to adapt to different-sized products, thereby ensuring the tape is accurately applied. “This is extremely important because information on the seal is required for essential point-of-tie information such as traceability codes,” says sales manager Nick Kemp. “Other sealers cannot guarantee the position of the print as accurately.”Accurate application of seals also ensures the bread inside is tightly packaged, eliminating the possibility that it could slant to one side. Speeds of up to 95 bags per minute can be achieved, depending on product, and the machine is available in two models – 90mm length seal format for standard polythene bags or 110mm for thick polypropylene or paper.
Green steel pilot project begins operating in Sweden FacebookTwitterLinkedInEmailPrint分享Reuters:Swedish green steel venture HYBRIT, owned by SSAB, state-owned utility Vattenfall and miner LKAB, on Monday started test operations at its pilot plant for fossil-free steel in Lulea, Sweden.A successful development of the HYBRIT project could have big implications for efforts to cut carbon dioxide emissions, with SSAB alone accounting for 10% of Sweden’s total and 7% of Finland’s.The official start of operations at the plant, which will produce fossil-free sponge iron, essential for the steel production process, was attended by guests including Swedish Prime Minister Stefan Lofven.“There is a lot still to be done, and there are challenges remaining, but I dare to claim that this is a globally unique plant,” SSAB CEO Martin Lindqvist said.The HYBRIT project aims to replace coking coal, traditionally needed for ore-based steel making, with fossil-free electricity and hydrogen.SSAB aims for the first fossil-free steel to be commercially available by 2026, and to become fossil free in its operations by 2045.[Johannes Hellstrom]More: Sweden’s HYBRIT starts operations at pilot plant for fossil-free steel
By Dialogo November 04, 2009 The governments of the United States and Colombia signed the Defense Cooperation Agreement (DCA) in a ceremony in Bogota on Friday, October 30th, in another indication of the close ties between the two countries and their commitment to address security concerns threatening the democratic stability and prosperity of Colombia. The DCA, which is now in force, is similar to agreements the U.S. maintains with other partner nations and updates existing bilateral agreements between Colombia and the United States. The agreement strengthens cooperation on security matters in Colombia including security concerns such as illicit narcotics trafficking, illegal armed groups, and terrorism and provides humanitarian assistance during natural disasters. The DCA (formally titled Supplemental Agreement for Cooperation and Technical Assistance) facilitates U.S. access for 10 years to three Colombian air force bases located at Palanquero, Apiay and Malambo; two naval bases and two army installations. The DCA does not permit the establishment of any U.S. base in Colombia, and all military installations are and will remain under Colombian control. All activities conducted at or from the Colombian bases by the United States can only take place with the express approval of the Colombian government. The agreement will not increase the current limits of 800 military and 600 civilian contractors set by Congress, and the actual presence of U.S. personnel in recent years has averaged half or less of the authorized number. According to the Associated Press, the Colombian Foreign Ministry said in a news release that the pact “respects the principles of equal sovereignty, territorial integrity and nonintervention in the internal affairs of other states.”
The use of ground robots in military explosive-ordinance-disposal missions already saves many lives and prevents thousands of other casualties. If the current limitations on mobility and manipulation capabilities of robots can be overcome, robots could much more effectively assist war fighters across a greater range of missions. DARPA’s Maximum Mobility and Manipulation (M3) program seeks to create and demonstrate significant scientific and engineering advances in robot mobility and manipulation capabilities. The M3 program pursues four parallel tracks of research and development: tool design, improvement of production methods and processes, improvement in control of robot mobility and manipulation, and prototype demonstration. The “Cheetah” robot can gallop at speeds of up to 18 miles per hour (mph), setting a new land speed record for legged robots. The previous record was 13.1 mph, set in 1989. The robot’s movements are patterned after those of fast-running animals in nature. The robot increases its stride and running speed by flexing and un-flexing its back on each step, much as an actual cheetah does. The current version of the Cheetah robot runs on a laboratory treadmill where it is powered by an off-board hydraulic pump, and uses a boom-like device to keep it running in the center of the treadmill. Testing of a free-running prototype is planned for later this year. While the M3 program conducts basic research and is not focused on specific military missions, the technology it aims to develop could have a wide range of potential military applications. The DARPA M3 performer for Cheetah is Boston Dynamics of Waltham, Mass. By Dialogo March 20, 2012
By Andréa Barretto/Diálogo July 18, 2017 In a region covered by forests and crossed by rivers that form natural water highways, the installation of underwater fiber optic cable has proved the best solution for bringing broadband to millions of citizens who live along the rivers. That is the proposal of the Interconnected Amazon Program, conceived and carried out by the Brazilian Army (EB, per its Portuguese acronym) in partnership with other organizations. “After six months of planning, this initiative completed its third stage in six days,” said EB Lieutenant General Decílio de Medeiros Sales, the director of the Department of Industrial Science and Technology at the Ministry of Defense, and general coordinator of the Interconnected Amazon Program. From May 8th to 14th, 600 kilometers of fiber optic cable was laid in the Solimões River, passing through the cities of Manaus, Maracapuru, and Coari, and in the Negro River, connecting Manaus to Novo Airão. “There is a structure of underwater cables coming in from other continents and arriving in Manaus along three lanes. By installing fiber optic cable along riverbeds, we are distributing the signal from Manaus to the interior of Amazonas [state],” Lt. Gen. Decílio explained. The section between Manaus and Coari is part of the so-called Alto Solimões information highway, which provides for the laying of cable through more than a dozen municipalities. The section from Manaus to Novo Airão incorporates the delta of Rio Negro’s information highway, which covers more than three localities on the route towards the western Amazon, arriving at São Gabriel da Cachoeira, a city located on Brazil’s border with Colombia and Venezuela, where EB has a base with special border platoons. Overall, the Interconnected Amazon Program is planning the construction of five information highways, interconnecting a total of 52 localities with nearly 8,000 kilometers of fiber optic cable. Eventually, nearly 3.8 million people should benefit from these broadband services. Building the network Nearly 20 EB service members participated in the third phase of the program. Among them, the Brasília-based team involved in the planning, and the personnel who laid the cable. Approximately 40 civilian professionals worked jointly with the latter group. Once laid in the water, fiber optic cable naturally settles on the riverbed. “Divers are needed only to help situate the cable at critical locations, where there are rocks, for example,” Lt. Gen. Decílio said. Finally, the structure reaches an anchoring point installed in previously determined cities. From the anchoring point, a connection is made between the underwater cable and the land-based cables, thereby enabling data transmission. The signal is preferentially directed towards military organizations, schools, health agencies, and other public agencies but the unused capacity can be commercialized for the general population. A public call for tenders is held for that purpose, in order to choose corporate providers interested in running the service. “One of the conditions is that the company offers a social package with an affordable price for the low-income population. In addition to that, we stipulate a price ceiling for service, which cannot exceed the prevailing price in Manaus,” Lt. Gen. Decílio emphasized. Past, present, and future “The fact today is internet and information technology services available in the interior of Amazonas state are quite precarious,” said EB Lieutenant Colonel Marcelo Corrêa Horewicz, the head of the 4th Area Telematics Center, who manages the program. His unit is under the Army Integrated Telematics Center (CITEx, per its Portuguese acronym) and is connected with the Amazon Military Command (CMA, per its Portuguese acronym). Lt. Col. Corrêa explained that the internet service used by people in the Amazon arrives mainly via satellite, and is often disrupted by local humidity and heavy rains. “There is a need for infrastructure that can keep the signal up at all times, and fiber optic cable is providing greater capacity for that,” Lt. Col. Corrêa stated. From that idea, the EB decided to test the possibility of laying fiber optic cable in the rivers through a pilot project developed in 2015. At that time, 10 kilometers of fiber optics were laid in Negro River to connect two military garrisons located in Manaus. The project worked and paved the way for the program to move forward to the rest of the Amazon. As for the next steps, Lt. Col. Corrêa stated that the program team is planning operations that will provide continuity to the information highway on the delta of Rio Negro, heading towards the city of Barcelos, and from the Alto Solimões information highway to the city of Fonte Boa, which is on the way to Tabatinga, a municipality in the tri-border region between Brazil, Peru, and Colombia. “That will be in the fourth stage of the program, which might also include the installation of cable in the Amazon River,” he said. In this case, the information highway will take the opposite route from previous ones, heading eastward, in the direction of the state of Pará.
May 15, 2000 Regular News Foundation seeks contributions “Imagine being a child taken from the only home you know, the family you trust, and your familiar surroundings. Then imagine being pushed and pulled through a system dominated by adults in offices and stark rooms, being placed in a stranger’s house to stay temporarily, and being frightened like you’ve never been frightened before.” This imagery is in a letter from Bar President-elect Herman J. Russomanno accompanying the 2000-01 Bar fee statement which will soon be arriving in members’ mailboxes. The letter urges Bar members to envision the lives of the nearly 24 percent Florida children living in poverty — according to the 1999 Kids Count published by the Annie E. Casey Foundation — and asks Bar members to make a $25 tax deductible contribution to The Florida Bar Foundation to bring the benefits of the law and of lawyers to the lives of poor children. The Foundation will dedicate Bar members’ contributions to legal assistance to children through grants to legal aid and legal services programs across the state. “Although there are laws to assist these children, the reality is without the services of a lawyer and related legal assistance, the future will remain bleak for thousands of Florida’s most vulnerable children,” Russomanno said. “We have an opportunity to improve their lives by helping to ensure their legal rights are represented — rights to services these children desperately need if they are to become contributing members of society.” The 2000-2001 fee statements — reflecting no increase in fees and only minor modifications to the form — will be mailed by May 19. The fees are payable July 1 and are late after August 15. Annual fees are still $190. Inactive members pay $140. For the past several years, the Bar Foundation has funded special annual grants for legal representation of children out of IOTA funds. But these grants will be cut starting next year because of a reduction in IOTA income brought on by low bank interest rates. “Our $25 contributions to the Bar Foundation on the Bar fee statement can make up that cut and provide even more children the services of a lawyer to help them get a better start in life,” Russomanno said. The Foundation set several goals for its Children’s Legal Services grant initiative, but emphasizes access to special education and health care services required under law. An example of a special education service is providing a student who is hypersensitive to noise and distraction extra time with a teacher or tutor in a quieter setting to supplement what goes on in the regular classroom. Another goal is to create and energize a statewide network of children’s legal services providers. The network also can provide support to the thousands of Florida attorneys involved in children’s legal services through guardian ad litem and other projects. A. Hamilton Cooke of Jacksonville heads up the 2000-01 Bar fee statement “Lawyers’ Challenge for Children” campaign. Cooke said another goal of the children’s legal services grants initiative is to demonstrate the impact on children’s lives of dedicating funding for specific children’s legal services efforts. Cooke, the Foundation’s president-elect, describes the initiative as one of the “most important and rewarding efforts” the Foundation has ever funded. “When our legal aid grantees send in their reports describing the kinds of cases they handle, I’m continually astounded at the obstacles poor children and their families have to overcome,” Cooke said. “There’s a particularly sad case of a 17-year-old girl a school had labeled a trouble maker and a bad seed.” Cooke said her long history of discipline problems began when she was nine and after a fight at school, the district started expulsion proceedings. “Despite her long history of discipline problems, the school never formally looked into the possible cause of her behavior problems at school or evaluated her for evidence of an emotional disability,” Cooke said. “After several interviews by legal services advocates, the parents opened up and revealed that, at age nine, their daughter had been kidnaped and raped. As a result of the efforts of legal aid the school district ultimately conceded error and dismissed their expulsion petition.” Cooke said the district also agreed to place the girl in an intense therapeutic educational setting where she is doing well. “While the outcome for this girl is good, there are still tens of thousands of children in Florida schools who have similarly serious problems and no access to legal advocacy,” Cooke said. According to IOTA Legal Assistance for the Poor Grant Committee Chair Terry Russell, president-elect designate of The Florida Bar, state and federal lawmakers have recognized that providing access to appropriate special education services and health care is not only in the best interests of the child, but it is in the best interests of society — especially when it comes to promoting public safety. “Still, children who have discipline problems or who do poorly in school often are more likely to be suspended or expelled than examined and treated, despite the requirements of the law,” Russell said. Foundation Children’s Legal Services grantee reports cite additional examples such as local school principals filing criminal complaints against special education children without advising law enforcement of their disabilities, or illegally denying parents the right to examine and photocopy their child’s school file. Another Foundation grantee reports the case of a 13-year old special education student suffering from Tourettes Syndrome who was being expelled from school for battery on a school teacher. In a meeting set up by legal aid, it was proven that the school was not appropriately assisting the child deal with the extreme frustration caused by his disability and the shoe thrown by the boy had hit his teacher’s leg after bouncing off a desk. As a result, the expulsion petition was withdrawn, and in collaboration with a Department of Juvenile Justice caseworker, legal aid succeeded in having the criminal charges against the student dropped. Legal aid also provided the boy’s teachers with information about Tourettes Syndrome — after they had admitted knowing nothing about it — and a process was put into place for the child to receive additional testing and the establishment of a more appropriate education plan. Obstacles to gaining access to health care services by poor children range from improper denial or termination of medicaid, to failure to provide court-ordered mental health treatment. Other prevalent legal needs involve children eligible under Florida’s children’s health insurance programs, who routinely fall through the cracks as state caseworkers struggle to administer increasingly complex and ever changing eligibility formulas and health insurance application procedures. Russell likened the situation poor families face in obtaining health insurance benefits for their children to clients trying to develop a parcel of land without assistance from an experienced attorney. “Except every hour spent in line by a parent at a state benefit office means time off work — often unpaid — and delay or failure in securing the health coverage affects your child’s very well being,” Russell said. Cooke said he believes Bar members will want to support Children’s Legal Services. “It’s not often that we can make such a huge difference in the life of a child with only a $25 contribution,” Cooke said. “Moreover, the check off for the Bar Foundation on the fee statement is a very efficient form of fundraising.” Cooke said in order to make their contributions count, Bar members need to make sure that their tax deductible gift to the Foundation is added in to their Bar fee statement total. Foundation seeks contributions
Your members’ expectations evolve as they become more acclimated to technology, more financially stressed, and overburdened with life’s pace and demands. In case you have not noticed, the world is changing. Newly emerging competition is developing new bank-like products, and the definition of banking is evolving right before our eyes.It’s time we step back and reevaluate how credit unions can provide more value.Declaring you’re the financial partner for life is just not compelling, unless you have strong actions to back it up. Too often we forget that credit unions are enablers, and in fact have the ability to enable members to get the things they want and do the things they want to do.With all the advances in technology, some things have not changed—like the basic needs of a household to address fundamental financial requirements, milestones, challenges and obligations. Life and money are inextricably linked whether we like it or not (or are willing to admit).Importance of an Emotional ConnectionThe key for the credit union is to remain remarkably relevant throughout the “member” journey and to be there with logical products and services when members (or their households) could use them the most. Credit unions are missing very logical point-of-purchase opportunities, while not associating their products with the specific needs of a member at a specific, relevant time. continue reading » 4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr