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According to the ProPublica report arrhythmia greenville sc discount adalat 20 mg with amex, between 20 and 30 percent of the promotional budgets at for-profit colleges go to lead generation blood pressure chart in hindi buy cheapest adalat. One lead generator, Salt Lake City­based Neutron Interactive, posted fake jobs at websites like Monster. Using the same optimization methods, they would roll out loads of different ads, measuring their effectiveness for each demographic. The purpose of these ads was to lure desperate job seekers to provide their cell phone numbers. In follow-up calls, only 5 percent of the people showed interest in college courses. According to Mara Tucker, a college preparedness counselor for the Urban Assembly Institute of Math and Science for Young Women, a public school in Brooklyn, the search engine on the website is engineered to direct poor students toward for-profit universities. For-profit colleges also provide free services in exchange for face time with students. Cassie Magesis, another readiness counselor at the Urban Assembly, told me that the colleges provide free workshops to guide students in writing their rйsumйs. But impoverished students who provide their contact information are subsequently stalked. Recruiting in all of its forms is the heart of the for-profit business, and it accounts for far more of their spending, in most cases, than education. A Senate report on thirty for-profit systems found that they employed one recruiter for every fortyeight students. Apollo Group, the parent company for the University of Phoenix, spent more than a billion dollars on marketing in 2010, almost all of it focused on recruiting. That came out to $2,225 per student on marketing and only $892 per student on instruction. Compare that to Portland Community College in Oregon, which spends $5,953 per student on instruction and about 1. Math, in the form of complex models, fuels the predatory advertising that brings in prospects for these colleges. The crucial metric is the so-called 90-10 rule, included in the Higher Education Act of 1965. It stipulates that colleges cannot get more than 90 percent of their funding from federal aid. The thinking was that as long as the students had some "skin in the game" they would tend to take their education more seriously. If students could scrape together a few thousand dollars, either from savings or bank loans, the universities could line them up for nine times that sum in government loans, making each student incredibly profitable. The outstanding debt for students at the bankrupt Corinthian Colleges amounted to $3. Some people no doubt attend for-profit colleges and emerge with knowledge and skills that serve them well. But do they fare better than graduates from community colleges, whose degrees cost a fraction as much? Some of their fake job applicants held associate degrees from for-profit universities, others had similar diplomas from community colleges, while a third group had no college education at all. The researchers sent their rйsumйs to job postings in seven major cities and then measured the response rate. They found that diplomas from for-profit colleges were worth less in the workplace than those from community colleges and about the same as a high school diploma. And yet these colleges cost on average 20 percent more than flagship public universities. Many industrial jobs have disappeared, either replaced by technology or shipped overseas. The top 20 percent of the population controls 89 percent of the wealth in the country, and the bottom 40 percent controls none of it. Their assets are negative: the average household in this enormous and struggling underclass has a net debt of $14,800, much of it in extortionate credit card accounts.

Cardholders who shopped at certain establishments pulse pressure locations 20mg adalat mastercard, the company wrote blood pressure medication vasodilators buy 30 mg adalat amex, were more likely to fall behind on payments. It was a matter of statistics, plain and simple, a clear correlation between shopping patterns and default rates. It was up to the unhappy Amex customers to guess which establishment had poisoned their credit. Was it the weekly shop at Walmart or perhaps the brake job at Grease Monkey that placed them in the bucket of potential deadbeats? Whatever the cause, it left them careening into a nasty recession with less credit. Worse, the lowered spending limit would appear within days on their credit reports. Over the decades, lobbyists for the incumbents have crafted many of the regulations with an eye to defending the entrenched powers-and keeping pesky upstarts locked out. And with petabytes of behavioral data at their fingertips and virtually no oversight, opportunities for the creation of new business models are vast. These banks of last resort cater to the working poor, tiding them over from one paycheck to the next and charging exorbitant interest rates. So if an efficient newcomer could find new ways to rate risk, then pluck creditworthy candidates from this desperate pool of people, it could charge them slightly lower interest and still make a mountain of money. A former chief operating officer at Google, Merrill believed that he could use Big Data to calculate risk and offer payday loans at a discount. ZestFinance buys data that shows whether applicants have kept up with their cell phone bills, along with plenty of other publicly available or purchased data. A typical $500 loan at ZestFinance costs $900 after twenty-two weeks-60 percent lower than the industry standard. But punctuation and spelling mistakes also point to low education, which is highly correlated with class and race. So when poor people and immigrants qualify for a loan, their substandard language skills might drive up their fees. If they then have trouble paying those fees, this might validate that they were a high risk to begin with and might further lower their credit scores. It started out in the last decade with the vision of borrowers and lenders finding each other on matchmaking platforms. More people would get loans, and at the same time millions of everyday people would become small-time bankers and make a nice return. One of the first peer-to-peer exchanges, Lending Club, launched as an application on Facebook in 2006 and received funding a year later to become a new type of bank. Their algorithm, in a word, generated e-scores, which they claimed were more accurate than credit scores. It raised $870 million and reached a valuation of $9 billion, making it the fifteenth most valuable bank in America. The fuss has little to do with democratizing capital or cutting out the middleman. According to a report in Forbes, institutional money now accounts for more than 80 percent of all the activity on peer-to-peer platforms. For big banks, the new platforms provide a convenient alternative to the tightly regulated banking economy. Working through peer-to-peer systems, a lender can analyze nearly any data it chooses and develop its own e-scores. It can develop risk correlations for neighborhoods, zip codes, and the stores customers shop at-all without having to send them embarrassing letters explaining why. At the very least, a borrower could attempt to read his eyes and appeal to his humanity. A Mississippi resident named Patricia Armour tried for two years to get Experian to expunge from her file a $40,000 debt she no longer owed. He did valuable work on malaria and was among the first to associate cancer with tobacco. Yet on a spring day in 1896, Hoffman published a 330-page report that set back the cause of racial equality in the United States and reinforced the status of millions as second-class citizens.

These conditions have led to active sand encroachment on the fringes of the cultivated areas in most areas of the country normal pulse pressure 60 year old purchase adalat mastercard. In Jordan pulse pressure purchase adalat 30mg on-line, the flat topography (<8 percent) and low annual rainfall (< 200 mm) are responsible for active and strong winds carrying sediments. One study examined a very long-term (more than 70 years) management practice of sewage sludge application aimed at increasing C in sandy to loamy sandy soils. The overuse of chemical fertilizers and the residues of applied pesticides are also sources of pollution of soil and water resources. In Egypt, the construction of the High Dam reduced soil fertility as the result of sediment load reduction. Pollutants then accumulate in waterways where, at high concentrations (Biochemical Oxygen Demand and phosphates and total dissolved salts), they cause harmful chemical and biological impacts. Land use that removes all harvested materials may also result in soil mining and acidification. Of these, 25 percent are endemic to the region, 10 percent are of medicinal value, and many are a source of food. This indicates the importance of the region as a store of genetic resources (Abahussain et al. The lack of proper conservation practices, overgrazing of herds of ruminants, and deforestation for fuel are causing serious losses of plant cover and of valuable genetic resources, including below-ground biodiversity that is rarely quantified in this region. The study revealed endemic species that are considered as alternative foods in time of crisis but which are threatened by genetic erosion due to soil degradation. The alien species now covers 40 percent of the pasture area, resulting in disappearance of many wild animals and decrease in biodiversity (Elfaig, Ibrahim and Jaafar, 2015). The study pointed out that drought, unsustainable use of forest and pasture, and increase in population pressure were the main causes of this environmental degradation. The study reported that grazing has reduced total plant cover by 38 percent and the contribution of perennials by 72 percent, while annuals were affected 100 percent. Overgrazing of rangelands generally causes replacement of highly palatable species with less desirable plants. Along the sea coast of Egypt, overgrazing during the period from 1974 to 1979 decreased the total density vegetation by more than 15 percent, mainly due to a decrease in some perennial herbs, while at the same time the total cover increased by about 38 percent, due mainly to perennial shrubs and succulents. Some of these plant species are considered to be of high value as genetic resources as they are adapted to the desert conditions. In Lebanon biodiversity is threatened by many factors, chief among them are erosion, urban development and overgrazing resulting in dominance of xerophytes at the expense of other species (Zahreddine et al. Rising levels of poverty in the Ramallah area of Palestine have led to most farmers (83 percent) turning to the collection of medicinal plants for commercial use (Abu Hammad and Tumeizi, 2012). Soil salinity, sodicity and water logging conditions have definite adverse impacts on soil productivity, estimated to be of the order of 30-35 percent of the potential productivity. In the Siwa oasis, for instance, the rate of water table rise during the period 1962­1977 was 1. It is associated with land use pressure and the consequent intensification of cropping systems and related soil degradation. For example in Iran continuous tilling over more than 50years has exposed surface soil to water run off due to an increase of up to 33 percent of soil bulk density. Soil compaction due to extensive tillage operations in the furrow slice (to 30 cm) is a major physical degradation in soils with high clay content where heavy mechanization is practiced. This increase in compaction is comparable to the increase in bulk density of 13 percent documented in Jordan during the half century following conversion of forest land to cultivation of wheat and barley (Khresat et al. Military activities in the Al Salmi area on the western border of Kuwait have resulted in huge disturbance and caused soil and vegetation degradation (Al-Dousari, Misak and Shahid, 2000). The soil pores in the area have sealed and the infiltration rate has declined by 19. For example, in Egypt the net population density in towns is more than double the recognized maximum threshold of 360 ha-1.

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In the midst of a mighty struggle to rid our nation of racial and economic injustice prehypertension questions discount adalat 20 mg visa, I have heard so many ministers say 01 heart attack mp3 order 20 mg adalat with amex, "Those are social issues with which the gospel has no real concern," and I have watched so many churches commit themselves to a completely other-worldly religion which made a strange distinction between body and soul, the sacred and the secular. So here we are moving toward the exit of the twentieth century with a religious community largely adjusted to the status quo, standing as a tail-light behind other community agencies rather than a headlight leading men to higher levels of justice. On sweltering summer days and crisp autumn mornings I have looked at her beautiful churches with their spires pointing heavenward. Where were their voices when the lips of Governor Barnett dripped with words of interposition and nullification? Where were they when Governor Wallace gave the clarion call for defiance and hatred? Where were their voices of support when tired, bruised, and weary Negro men and women decided to rise from the dark dungeons of complacency to the bright hills of creative protest? I am in the rather unique position of being the son, the grandson, and the great-grandson of preachers. How we have blemished and scarred that body through social neglect and fear of being nonconformist. It was during that period when the early Christians rejoiced when they were deemed worthy to suffer for what they believed. In those days the Church was not merely a thermometer that recorded the ideas and principles of popular opinion; it was a thermostat that transformed the mores of society. Wherever the early Christians entered a town the power structure got disturbed and immediately sought to convict them for being "disturbers of the peace" and "outside agitators. The contemporary Church is so often a weak, ineffectual voice with an uncertain sound. If the Church of today does not recapture the sacrificial spirit of the early Church, it will lose its authentic ring, forfeit the loyalty of millions, and be dismissed as an irrelevant social club with no meaning for the twentieth century. I am meeting young people every day whose disappointment with the Church has risen to outright disgust. Is organized religion too inextricably bound to the status quo to save our nation and the world? Maybe I must turn my faith to the inner spiritual Church, the church within the Church, as the true ecclesia and the hope of the world. But again I am thankful to God that some noble souls from the ranks of organized religion have broken loose from the paralyzing chains of conformity and joined us as active partners in the struggle for freedom. They have left their secure congregations and walked the streets of Albany, Georgia, with us. Some have been kicked out of their churches and lost the support of their bishops and fellow ministers. But they have gone with the faith that right defeated is stronger than evil triumphant. But even if the Church does not come to the aid of justice, I have no despair about the future. I have no fear about the outcome of our struggle in Birmingham, even if our motives are presently misunderstood. We will reach the goal of freedom in Birmingham and all over the nation, because the goal of America is freedom. Abused and scorned though we may be, our destiny is tied up with the destiny of America. Before the pen of Jefferson etched across the pages of history the majestic words of the Declaration of Independence, we were here. For more than two centuries our foreparents labored in this country without wages; they made cotton "king"; and they built the homes of their masters in the midst of brutal injustice and shameful humiliation - and yet out of a bottomless vitality they continued to thrive and develop. If the inexpressible cruelties of slavery could not stop us, the opposition we now face will surely fail. We will win our freedom because the sacred heritage of our nation and the eternal will of God are embodied in our echoing demands. But before closing I am impelled to mention one other point in your statement that troubled me profoundly. You warmly commend the Birmingham police force for keeping "order" and "preventing violence. It is true that they have been rather disciplined in their public handling of the demonstrators.