Business, Free News Articles, Reports and Studies

Blue Glacier Publishes ‘Red Team’ Report on Cybercrime and Anti-Vaccination Militancy

FAIRFAX, Va. -- Blue Glacier Security & Intelligence LLC announced it has published a thought-provoking "red team" memorandum on potential incidents at the intersection of cybercrime, anti-vaccination militancy, and pandemic fatigue. This "out-of-the-box" analytic approach offers a thought-provoking viewpoint during the recent uptick in COVID-19 cases, and the pushback against vaccinations and renewed mask requirements.

The 7-page report is modeled after the Central Intelligence Agency's Red Cell memorandums. This Blue Glacier effort follows the red team scenario at the end of the company's report on the December 2020 Nashville bombing.

Key takeaways from this red team memorandum include:

* There is already precedence for cyberattacks on COVID-19 infrastructure.

* Several nodes in vaccine production, distribution, and administration could be vulnerable to cyberattacks.

* Anti-vaccination militants could use social media to coordinate harassment or attacks on public health officials working within the vaccination infrastructure.

"This effort highlights the benefits of red teaming, or even just red team thinking," notes K. Campbell, a principal at Blue Glacier. "We've identified plausible cyberattacks, motivated by pandemic-related militancy or extremism, that could exploit vulnerabilities in the vast vaccine infrastructure."

View report (PDF) at: https://blueglacierllc.com/wp-content/uploads/2021/07/Blue-Glacier-Red-Team-Memo_Cybercrime-Anti-Vax-July-30-2021.pdf

About Blue Glacier Security & Intelligence LLC:

Blue Glacier is a military veteran-owned security and intelligence consultancy that specializes in all-hazards security risk assessments, business continuity and disaster preparedness planning, workplace violence training, executive protection, and intelligence. Contact Blue Glacier at bluesupport@blueglacierllc.com or (703) 934-2034 / (202) 389-6200.

Learn more: https://blueglacierllc.com/

Twitter: https://twitter.com/BlueGlacier_LLC

LinkedIn: https://www.linkedin.com/company/blue-glacier/

Related link: https://blueglacierllc.com/

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Business, Free News Articles, General Editorial, Reports and Studies

New Research Shows Consumers Find Moments of Small Pleasure Beat Big Experiences When It Comes to Well-Being

CHICAGO, Ill. -- The Australian Macadamia industry released research that reveals that almost 50% of consumers globally now value finding peace and quiet in everyday life as the key to a happy mind. Conversely, only 25% globally said occasional big experiences and milestones make them happy.

The pandemic has reinvented day-to-day well-being, making it more difficult to manage than ever before. It forces consumers, the world over, to reconsider what makes them happy, while redefining the concept of indulgence, and the way our daily food choices can support this.

According to Accredited Practising Dietitian, Susie Burrell who also holds a Masters of Coaching Psychology and has a particular interest in mental health and wellbeing, finding new ways to manage mood and stress has never been more important. "The pandemic has resulted in many people turning inward and looking for ways they can actively work to support their own health and wellbeing. With big treats such as overseas trips off the table, and milestones like weddings and other celebrations more restricted, we've had to train ourselves to look forward to small things to find pleasure in on a daily basis to support our own happiness."

This is supported by the research, carried out in Australia, Japan, China, Taiwan, South Korea and USA, and also showed that almost half of consumers globally say indulgence is about finding little pleasures of joy in the everyday, while only 27% defined indulgence as being about a special-occasion treat.

"On a day-to-day basis, people are carving out small moments of indulgence and savouring them," says Burrell. "Nourishing the body with healthy, nutritious food is an act of self-care and one of the easiest ways we can support not just physical but mental health too. Quality plant-based food in an otherwise ordinary day is a great way to support good mood, especially now when many people are feeling overwhelmed, anxious and emotionally drained after dealing with the pandemic for many months."

Australian Macadamias Market Development Manager Jacqui Price says macadamias are ideally suited to meeting the demands of these trends.

"Our research showed that 60% of people globally and 64% in the USA believe they have the ability to not just manage their physical well-being but also mental wellness, so they want food that is going to sustain them and their frame of mind throughout the day," says Ms. Price. "Macadamias are the perfect mood-booster and stress-buster. Its fiber, heart-healthy fats, protein, vitamins and minerals offer many physical health benefits, while their velvety texture and creamy flavour make them an indulgent snack or ingredient, ideal for a range of food products."

It seems consumers also recognize these qualities. "It was exciting to discover that 53% of people consider macadamias to be a rich and delicious indulgence that is also good for your body," she says. "With consumers' desire for optimal wellness driving the increase in new products with on-pack wellness claims, macadamias make a great choice for food brands looking for an edge in this space."

About Australian Macadamias

Australia is the world's major producer of macadamia kernel and macadamias are Australia's fourth largest horticultural export. There are approximately 800 growers producing more than 46,000 tonnes per year, with 75% of the crop exported to more than 40 countries. Learn more at: https://trade.australian-macadamias.org/.

About new Australian Macadamias research

In late 2020, Australian Macadamias commissioned research based on 6014 individual surveys with consumers in Australia, China, South Korea, Japan, Taiwan and the USA. Conducted by the Singapore regional office of independent research agency Kantar, the research was conducted between August and October 2020 and findings delivered in December 2020.

COMMUNICATIONS CONTACT

Jennifer Seyler, MBA, MS, RD

E: jseylernutrition@hotmail.com

P: 312-919-5643

MULTIMEDIA:

*PHOTO link for media: https://www.Send2Press.com/300dpi/21-0727s2p-australian-macs-300dpi.jpg

*Caption: Australian Macadamias, Innovative Food Product Ingredient.

Related link: https://trade.australian-macadamias.org/

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Business, Free News Articles, Reports and Studies

LBA Ware’s Q2 2021 Mortgage Loan Compensation Report shows decline in individual LO commission and volume

MACON, Ga. -- LBA Ware™, a leading provider of incentive compensation management (ICM) and business intelligence (BI) software solutions for the mortgage industry, today released summary statistics on the state of mortgage industry loan compensation in the second quarter of 2021. The firm's analysis of data from its CompenSafe™ ICM platform showed that despite a marginal increase in loan volume from Q2 2020 to Q2 2021, quarterly commissions per LO were down. Over the same period, loan processor workload and bonus compensation each decreased by about a quarter.

Methodology

LBA Ware reviewed account data for mortgage lenders who used CompenSafe to automate incentive compensation throughout the second quarters of both 2020 and 2021. The controlled sample dataset consisted of retail, first-lien production from LOs and loan processors with at least six funded loans during the three-month period beginning March 31, 2021, and ending June 30, 2021.

Key Findings

* Commissions earned per loan originator (LO) in Q2 2021 decreased 6% from Q2 2020. During the same period, loan volume per LO dropped 4% on average.
* LOs averaged $0.9M in funded refinance volume per month, a decrease of more than 36% over Q2 2020 ($1.4M), and received an average of 91.679 basis points (BPS) per refinance loan, a significant decrease of 6.94% from the average of 98.517 BPS in Q2 2020.
* Purchase volume grew 49% year-over-year, with individual LOs averaging $1.52M in funded purchase loans per month (a 41% increase over the $1.08M funded per LO in Q2 2020) and receiving on average 107.649 BPS per purchase loan (versus 108.836 in Q2 2020).
* Overall, LOs saw a 1.76% decrease in per-loan commissions from 103.119 BPS in Q2 2020 to 101.308 BPS in Q2 2021. LOs in the sample dataset took home an average of $2,876 in commissions per loan, or roughly 35% of the $8,243 it costs to originate a retail loan according to 2020 data from the Mortgage Bankers Association*.
* Loan processor staffing grew significantly (49%) from Q2 2020 to Q2 2021. Loan processors handled 27% fewer loans per month in Q2 2021 (15.7 units) compared to Q2 2020 (21.7 units), fueling a corresponding 26% decrease in quarterly bonus compensation earned from $2,684 per processor per month in Q2 2020 to $1,999 in Q2 2021.

"LOs continue to benefit from a strong purchase market buoyed by low rates, flex work opportunities and millennials moving out of their parents' homes. If the macroeconomic environment stays strong for the second half of 2021, LOs could have another banner year," said LBA Ware Founder and CEO Lori Brewer. "Another notable observation is that lenders added processing manpower at almost ten times the rate they added LOs in Q2. It remains to be seen if that level of operational staffing will be sustainable over the long term."

*Source: Mortgage Bankers Association's Chart of the Week for July 23, 2021: https://www.mba.org/news-research-and-resources/research-and-economics

About LBA Ware™:

LBA Ware is a leading provider of cloud-based software for mortgage lenders. Since 2008, LBA Ware has been on a mission to help mortgage companies reach new heights with software that integrates data, incentivizes performance and inspires results. Today, more than 100 lenders of all sizes, including some of the nation's top producing mortgage companies, use LBA Ware's award-winning technology to enhance lender experiences and maximize the human potential within their organizations. A 2020 Inc. 5000 fastest-growing private company, LBA Ware is headquartered in Macon, Georgia. For more information, visit https://www.lbaware.com/.

Twitter: @LBAWare #mortgageindustry #mortgagetechnology #mortgagelending

Related link: https://go.lbaware.com/

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Business, Free News Articles, Reports and Studies

LBA Ware’s Q2 2021 Mortgage Loan Compensation Report shows decline in individual LO commission and volume

MACON, Ga. -- LBA Ware™, a leading provider of incentive compensation management (ICM) and business intelligence (BI) software solutions for the mortgage industry, today released summary statistics on the state of mortgage industry loan compensation in the second quarter of 2021. The firm's analysis of data from its CompenSafe™ ICM platform showed that despite a marginal increase in loan volume from Q2 2020 to Q2 2021, quarterly commissions per LO were down. Over the same period, loan processor workload and bonus compensation each decreased by about a quarter.

Methodology

LBA Ware reviewed account data for mortgage lenders who used CompenSafe to automate incentive compensation throughout the second quarters of both 2020 and 2021. The controlled sample dataset consisted of retail, first-lien production from LOs and loan processors with at least six funded loans during the three-month period beginning March 31, 2021, and ending June 30, 2021.

Key Findings

* Commissions earned per loan originator (LO) in Q2 2021 decreased 6% from Q2 2020. During the same period, loan volume per LO dropped 4% on average.
* LOs averaged $0.9M in funded refinance volume per month, a decrease of more than 36% over Q2 2020 ($1.4M), and received an average of 91.679 basis points (BPS) per refinance loan, a significant decrease of 6.94% from the average of 98.517 BPS in Q2 2020.
* Purchase volume grew 49% year-over-year, with individual LOs averaging $1.52M in funded purchase loans per month (a 41% increase over the $1.08M funded per LO in Q2 2020) and receiving on average 107.649 BPS per purchase loan (versus 108.836 in Q2 2020).
* Overall, LOs saw a 1.76% decrease in per-loan commissions from 103.119 BPS in Q2 2020 to 101.308 BPS in Q2 2021. LOs in the sample dataset took home an average of $2,876 in commissions per loan, or roughly 35% of the $8,243 it costs to originate a retail loan according to 2020 data from the Mortgage Bankers Association*.
* Loan processor staffing grew significantly (49%) from Q2 2020 to Q2 2021. Loan processors handled 27% fewer loans per month in Q2 2021 (15.7 units) compared to Q2 2020 (21.7 units), fueling a corresponding 26% decrease in quarterly bonus compensation earned from $2,684 per processor per month in Q2 2020 to $1,999 in Q2 2021.

"LOs continue to benefit from a strong purchase market buoyed by low rates, flex work opportunities and millennials moving out of their parents' homes. If the macroeconomic environment stays strong for the second half of 2021, LOs could have another banner year," said LBA Ware Founder and CEO Lori Brewer. "Another notable observation is that lenders added processing manpower at almost ten times the rate they added LOs in Q2. It remains to be seen if that level of operational staffing will be sustainable over the long term."

*Source: Mortgage Bankers Association's Chart of the Week for July 23, 2021: https://www.mba.org/news-research-and-resources/research-and-economics

About LBA Ware™:

LBA Ware is a leading provider of cloud-based software for mortgage lenders. Since 2008, LBA Ware has been on a mission to help mortgage companies reach new heights with software that integrates data, incentivizes performance and inspires results. Today, more than 100 lenders of all sizes, including some of the nation's top producing mortgage companies, use LBA Ware's award-winning technology to enhance lender experiences and maximize the human potential within their organizations. A 2020 Inc. 5000 fastest-growing private company, LBA Ware is headquartered in Macon, Georgia. For more information, visit https://www.lbaware.com/.

Twitter: @LBAWare #mortgageindustry #mortgagetechnology #mortgagelending

Related link: https://go.lbaware.com/

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Business, Free News Articles, Product Launches, Reports and Studies, Software

Sales Boomerang releases Q2 2021 Mortgage Market Opportunities Report

WASHINGTON, D.C. -- Sales Boomerang, the mortgage industry’s top-rated automated borrower intelligence and retention system, today released its inaugural Mortgage Market Opportunities Report. According to the report, refinance opportunities continue to dominate the market, but a promising uptick in new listings was also evident in the Q2 data. Mortgage servicers will need to closely manage their default and foreclosure risk in the coming months, as the second quarter saw nearly two out of five customers trigger a risk-and-retention alert.

Methodology

The Mortgage Market Opportunities Report draws on Sales Boomerang system data to identify market opportunities of relevance to today's borrowers and lenders. To generate the report, Sales Boomerang reviewed data from more than 125 residential mortgage lenders that use its borrower intelligence and retention tools to monitor millions of customer and prospect records. Sales Boomerang then calculated the aggregate frequency with which those contact records triggered loan-opportunity and risk-and-retention alerts during the first and second quarters of 2021.

Key Findings*

Across the sample group, the frequency of each alert type in Q2 2021 was as follows:

* Mortgage Inquiry Alert: 5.87% of monitored contacts (down 33.97% from Q1)

A customer or prospect has shopped with a competitor in the last 24 hours.

* EPO Alert: 2.43% of monitored contacts (down 24.30% from Q1)

A customer or prospect whose loan closed ≤ 6 months ago has shopped with a competitor in the last 24 hours.

* Credit Improvement Alert: 2.20% of monitored contacts (up 41.94% from Q1)

A customer or prospect has improved their FICO score.

* New Listing Alert: 1.37% of monitored contacts (up 163.46% from Q1)

A customer or prospect has listed their home for sale.

* Equity Alert: 8.55% of monitored contacts (down 0.70% from Q1)

A customer or prospect's home equity has increased.

* Rate Alert: 13.33% of monitored contacts (up 31.85% from Q1)

The interest rate of a customer or prospect's existing mortgage is significantly higher than current prevailing rates.

For a subset of lenders that maintain servicing portfolios, the frequency of risk-and-retention alerts was as follows:

* Risk & Retention Alert: 36.63% of monitored contacts (down 5.69% from Q1)

A customer is engaging in one or more of 15 credit activities that may put their serviced loan at risk.

Analysis*

* Though New Listing alerts occurred in less than 2% of the sample data set, this alert type also saw the greatest quarter-over-quarter growth (163%). With home listings on the rise, we may be seeing the first signs of the purchase market's long-awaited reawakening.

* Refi opportunities continue to bear fruit; thanks to continued low interest rates, more than 13% of all contacts in the sample data set triggered a Rate alert in Q2, a 32% improvement over the previous quarter. But with Mortgage Inquiry alerts down nearly 34% quarter-over-quarter, lenders may need to proactively reach out to potential refi customers who aren't shopping for rates with the same gusto as they were at the beginning of the year.

* Equity alerts remained steady quarter-over-quarter, triggering for about 1 in 12 contacts (9%) in the sample data set.

* Risk & Retention was the most frequently triggered alert across the sample data set (37%). This result may be partially attributable to the sensitive nature of the Risk & Retention alert, which is triggered by any of 15 consumer behaviors that place a borrower in danger of missing a mortgage payment. The high frequency of this alert also underscores the nation's uneven economic recovery in the wake of the coronavirus pandemic, as more than 9.5 million people remain unemployed and around 2.5 million homeowners are in forbearance plans.

"Industry experts have been pushing the idea that the refinance market has dried up since early 2021, but our data shows that plenty of borrowers still have the opportunity to improve their rates," said Sales Boomerang CEO Alex Kutsishin. "Meanwhile, the housing inventory shortages that have stymied the purchase market's potential may finally be turning a corner, as our customers saw significant gains in new listings in Q2."

*Key findings and analysis provided for informational purposes only. The data represented in the Mortgage Market Opportunities report is historical. Past performance is not a reliable indicator of future results. Sales Boomerang accepts no responsibility or liability for readers' use of the key findings or analysis included in this report.

About Sales Boomerang:

Sales Boomerang transformed the relationship between mortgage lenders and borrowers with the introduction of the first automated borrower intelligence system in 2017. The company's intelligent alerts notify lenders as soon as a past customer or prospect is ready and credit-qualified for a loan. As the mortgage industry's #1 borrower retention tool, Sales Boomerang is trusted by more than 125 lenders - including brokers, independent mortgage companies, credit unions and banks - to help build lasting borrower relationships that maximize lifetime customer value. To date, Sales Boomerang alerts have enabled lenders to close more than $30 billion in additional loan volume that would have otherwise been overlooked and achieve customer retention rates that outperform industry norms by an average of 3-5X. To learn more about Sales Boomerang and its No Borrower Left Behind(tm) ethos, visit https://www.salesboomerang.com.

@SalesBoomerang

Related link: https://www.salesboomerang.com/

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Business, Construction and Building, Free News Articles, Manufacturing, Reports and Studies

163 New Industrial Manufacturing Planned Industrial Project Reports – June 2021 Recap

JACKSONVILLE, Fla. -- SalesLeads announced today the June 2021 results for the new planned capital project spending report for the Industrial Manufacturing industry. The Firm tracks North American planned industrial capital project activity; including facility expansions, new plant construction and significant equipment modernization projects. Research confirms 163 new projects in the Industrial Manufacturing sector.

The following are selected highlights on new Industrial Manufacturing industry construction news.

:: Industrial Manufacturing - By Project Type

Manufacturing/Production Facilities - 150 New Projects

Distribution and Industrial Warehouse - 76 New Projects

:: Industrial Manufacturing - By Project Scope/Activity

New Construction - 52 New Projects

Expansion - 56 New Projects

Renovations/Equipment Upgrades - 75 New Projects

Plant Closings - 6 New Projects

:: Industrial Manufacturing - By Project Location(Top 10 States)

California - 14
Ohio - 14
South Carolina- 10
Texas - 9
Virginia - 9
Indiana - 8
Michigan - 8
New York - 7
Pennsylvania - 7
Wisconsin - 7

:: Largest Planned Project

During the month of June, our research team identified 15 new Industrial Manufacturing facility construction projects with an estimated value of $100 million or more.

The largest project is owned by First Solar, who is planning to invest $680 million for the expansion of their manufacturing facility in LAKE TOWNSHIP, OH by 2 million sf. They are currently seeking approval for the project. Construction is expected to start in late 2021, with completion slated for 2023.

:: Top 10 Tracked Industrial Manufacturing Projects

OHIO:
Biotechnology company is planning to invest $365 million for the construction of a 270,000 sf processing facility in NEW ALBANY, OH. Construction is expected to start in Fall 2021.

MISSOURI:
Semiconductor products mfr. is planning to invest $210 million for the expansion and equipment upgrades on their manufacturing facility in O FALLON, MO. Completion is slated for late 2021.

QUEBEC:
Electric vehicle mfr. is planning to invest $185 million for the construction of a battery manufacturing facility in MIRABEL, QC. They have recently received approval for the project. Completion is slated for Fall 2022.

TEXAS:
Specialty molded-fiber products mfr. is planning to invest $150 million for the construction of a manufacturing facility in LUFKIN, TX. They have recently received approval for the project. Completion is slated for 2023

INDIANA:
Pharmaceutical glass container mfr. is planning to invest $145 million for the construction of a 370,000 sf office and manufacturing facility in FISHERS, IN. They have recently received approval for the project. Construction is expected to start in late 2021, with completion slated for 2023.

SOUTH CAROLINA:
Automotive mfr. is planning to invest $118 million for the expansion and equipment upgrades of their manufacturing facility in RIDGEVILLE, SC.

DELAWARE:
Pharmaceutical company is planning for the construction of a 1.74 million sf manufacturing complex at 1091 Industrial Dr. in MIDDLETOWN, DE. Construction is expected to start in 2022 and will occur in multiple phases. Completion is slated for 2024.

WASHINGTON:
Medical equipment mfr. is planning to invest $92 million for a 50,000 sf expansion and equipment upgrades on their manufacturing facility in SPOKANE, WA. Completion is slated for late 2024.

GEORGIA:
Fuel cell mfr. is planning to invest $84 million for the construction of a processing facility in KINGSLAND, GA. They have recently received approval for the project.

MICHIGAN:
Automotive components mfr. is planning to invest $51 million for the renovation and equipment upgrades on a 210,000 sf manufacturing facility at 1400 Rochester Rd. in TROY, MI. They have recently received approval for the project.

Since 1959, SalesLeads, based out of Jacksonville, FL has been providing Industrial Project Reports on companies that are planning significant capital investments in their industrial facilities throughout North America. Our professional research team identifies new construction, expansion, relocation, major renovation, equipment upgrades, and plant closing project opportunities so that our clients can focus sales and marketing resources on the target accounts that have an impending need for their products, services, and indirect materials.

Each month, our team provides hundreds of industrial reports within a variety of industries, including:
* Industrial Manufacturing
* Plastics
* Food and Beverage
* Metals
* Power Generation
* Pulp Paper and Wood
* Oil and Gas
* Mining and Aggregates
* Chemical
* Research and Development
* Distribution and Supply Chain
* Pipelines
* Pharmaceutical
* Misc. Industrial Buildings
* Waste Water Treatment
* Data Centers

PRESS CONTACT:
Cherise Kennerley
cherise@roi-m.com
847-312-1367

Related link: https://www.salesleadsinc.com/

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Business, Free News Articles, Reports and Studies

Dissecting Inflammation to Understand Chronic Disease in Type 2 Diabetes

LA JOLLA, Calif. -- Scientists are pursuing novel strategy to understand the source of inflammation in chronic diseases at the molecular level. Dr. Marcelo Freire at The J. Craig Venter Institute, is among the scientists conducting this provocative research and he's the lead and senior author of a recent study, "Transcriptomics of type 2 diabetic and healthy human neutrophils."

Type 2 diabetes (T2D) is a chronic inflammatory disease affecting approximately 415 million people worldwide, and its prevalence is rising in adults, increasing the risk of developing co-morbidities such as inflammatory lesions on limbs, eyes and periodontal tissues. In fact, patients with diabetes are more prone to develop severe forms of COVID-19. Recently neutrophils have also been associated with inflammatory pathways in Sars-CoV-2 infections.

Thus, demonstrating that diabetics fail to respond to microbial/viral and metabolic challenges due to deficiencies on immune cells. However, clinicians are unable to accurately predict which patients will develop chronic inflammatory and associated co-morbidities.

"Unravelling immune and lipid mechanisms of diabetes can advance our understanding of the disease," Freire says. "We found that aberrant inflammation is a molecular source of chronic disease in type 2 diabetes and that's reversible."

In laboratory studies, researchers identified two pathways that dysregulate inflammation in type 2 diabetes. By employing a global analysis of RNA (transcriptomics) from innate immune cells, they discovered novel immune and lipid-related genes that are chronically suppressed.

Though chronic diseases such as type 2 diabetes have excellent therapeutic modalities that focus on blood sugar levels and insulin, none currently control the disease-associated chronic inflammation.

In this study, human neutrophils (the most abundant leukocytes in the blood) were evaluated via transcriptomics for the first time. This new survey of human neutrophils provides access to the scientific community about regulatory signatures and mechanistic information of in health versus disease.

"Collaborative efforts have been established to expand the knowledge in our lab and others to expand the field of neutrophils and investigate the source of inflammation to other organs," Freire says.

Inflammatory networks derived from neutrophils can become informative in terms of early diagnostics of diabetics and future development of therapeutics.

For this work, the researchers treated human cells ex vivo with a novel fatty acid, resolvin E1 (RvE1), known for its pro-resolution functions. The application of this exogenous therapeutic showed that type 2 diabetics are not irreversibly damaged and that the treatments that reduce chronic inflammation may rescue the phenotype. Because Freire's team has expertise in inflammation and the receptor-ligand axis, they were able to assay human cells with tailored amount of RvE1 to further advance precision medicine.

In addition to conducting RNA sequencing (transcriptomics) and analysis of full neutrophil transcriptomes, the team used cell culture to enhance concentrations of RvE1 for both healthy and diabetic neutrophils The scientists tested control treatments to account for placebo stimulation of cells, but genes that were deficient or saturated in diabetic subjects only changed after specific concentrations of RvE1 were added, demonstrating that chronically inflamed cells are responsive

"There's much more research ahead, but the findings around unresolved inflammation should be a starting point to develop novel biomarkers for chronic disease severity and treatment," Dr. Sarah Kleinstein, first author of the study, says.

Freire agrees that the research is just in the beginning and future plans include furthering their understanding of diabetic heterogeneity and diagnostic/therapeutic development.

"We aim to find a better solution to monitor and treat chronic inflammation," Freire says.

Read an accelerated article preview of the study in BMC Immunology here: https://bmcimmunol.biomedcentral.com/articles/10.1186/s12865-021-00428-6

About the J. Craig Venture Institute

The J. Craig Venter Institute (JCVI) is a world leader in genomic research with 160 scientists and staff who are bold innovators fearlessly pursuing revolutionary ideas. It's registered as a 501(c)(3) nonprofit organization and has a long track-record of creativity and an interdisciplinary approach to genomics. It's committed to accelerating foundational scientific research to drive advances in human health and environmental sustainability.

For more information about JCVI: https://www.jcvi.org/

Related link: http://mfreire@jcvi.org

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Business, Free News Articles, Reports and Studies

Critical Defect Rate Moderates in Q4 but CY 2020 Defect Rate Remains High, Per ACES Mortgage QC Industry Trends Report

DENVER, Colo. -- ACES Quality Management™ (ACES), the leading provider of enterprise quality management and control software for the financial services industry, announced the release of its quarterly ACES Mortgage QC Trends Report covering both the fourth quarter (Q4) and the 2020 calendar year (CY). The latest report provides an analysis of post-closing quality control data derived from ACES Quality Management & Control Software™.

Notable findings from the Q4/CY 2020 report include:

* The overall critical defect rate improved to 2.09%, which was lower than the prior quarter but still higher than other quarters in 2020.

* Loan Documentation defects rose in 2020, which was most likely driven by pandemic-related issues and symptomatic of manufacturing-related defects overall.

* 2020 was dominated by refinances as a result of pandemic-driven historically/record low interest rates.

* Conventional loan share hit its highest point since ACES began publishing the QC Trends Report in 2016.

* Early Payment Defaults decreased in Q4 2020 and Q1 2021, providing some hope for the future, but lenders should be mindful of upcoming forbearance-related deadlines.

"Despite the distinct differences in the Fannie Mae defect categories of 2020 compared to previous years, the defect share for Income and Employment in 2020 was 23.95%, just above 2019's defect share of 23.10%," said ACES Executive Vice President Nick Volpe. "Of the remaining core credit categories, liabilities is the only category to increase in 2020. This is a testament to the agility lenders showed last year, despite the continuing challenges lenders faced in maintaining loan quality."

Findings for the Q4/CY 2020 ACES Mortgage QC Industry Trends Report are based on post-closing quality control data derived from the ACES Quality Management and Control benchmarking system and incorporates data from prior quarters and/or calendar years, where applicable. All reviews and defect data evaluated for the report were based on loan audits selected by lenders for full file reviews.

"It would be easy to say the last two quarters of 2020 were dismal, but considering the pandemic, unemployment and critical defect rates, our Q4 findings are buoyant," said ACES CEO Trevor Gauthier. "Critical defect rates and early payment defaults will continue to be areas to watch closely, particularly as lenders respond to the changing landscape of 2021 and more borrowers come out of forbearance."

ACES executives will analyze the findings from the Q4 2020 ACES Mortgage QC Industry Trends Report and offer insights into what lenders can expect in future quarters during a webinar titled, "Insights into Mortgage QC Trends" as part of its ongoing QC NOW Web Series. Visit the QC Now website for upcoming registration details.

Mortgage QC Industry Trends Reports are available for download, free of charge, at https://www.acesquality.com/resources/reports.

About ACES Quality Management

ACES Quality Management, formerly known as ACES Risk Management (ARMCO), is the leading provider of enterprise quality management and control software for the financial services industry. The nation's most prominent lenders, servicers and financial institutions rely on ACES Quality Management & Control Software™ to improve audit throughput and quality while controlling costs, including:

* 3 of the top 5 and more than 50% of the top 50 independent mortgage lenders;

* 7 of the top 10 loan servicers;

* 11 of the top 30 banks; and

* 1 of the top 3 credit unions in the USA.

Unlike other quality control platforms, only ACES delivers Flexible Audit Technology, which gives independent mortgage lenders and financial institutions the ability to easily manage and customize ACES to meet their business needs without having to rely on IT or other outside resources. Using a customer-centric approach, ACES clients get responsive support and access to our experts to maximize their investment. For more information, visit https://www.acesquality.com/ or call 1-800-858-1598.

Related link: https://www.acesquality.com/

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Business, Free News Articles, Reports and Studies, Software, Taxes and Accounting, Transportation

Report: Over One Quarter of All Mileage Reimbursement Claims Are Overreported

ISSAQUAH, Wash. -- According to internal data gathered by TripLog, a leading enterprise mileage and expense tracking solution, over 1/4 (nearly 30%) of all mileage is overreported, which could potentially cost businesses millions of dollars per year in fraudulent reimbursements.

Between January 2018 and January 2021, TripLog found that roughly 2.8 million trips were overreported. The 52.33 million miles reported among those trips were inflated by 27.2% for a total of 14.26 million miles.

For drivers reporting manually (that is, not using the app to automatically start tracking their mileage when they start driving), that number balloons to 28.9%. At 58 cents per mile, this would account for $8.2 million in fraudulent reimbursements.

For example, a driver may take a trip and report that it took 27 miles when in reality the trip only took 17 miles. TripLog's system compares the route recorded by their app's automatic mileage tracking features or a given manual mileage entry by the driver to Google Maps' data.

If Google Maps says that the drive actually took 17 miles, that can result in overreporting. Thanks to TripLog, those trips were flagged and easily corrected, but companies using manual reporting and processing methods are far more likely to miss such errors.

"Companies still using outdated pen-and-paper forms of mileage tracking and expense processing may be losing out on thousands of dollars each year per driver due to inaccurate mileage claims," said company CEO, Ted He. "Modern digital solutions, such as mileage tracking apps, are a powerful way to avoid such losses."

The most common type of expense fraud is mileage reimbursement. Employees that travel long distances in their own vehicles often pad their mileage amounts in order to receive additional funding from their employer.

Even before the COVID-19 pandemic, expense reporting fraud was on the rise. According to Chrome River's 2019 Expense Fraud Survey, an average of 5% of employees committed expense reporting fraud that year. The most important piece of information, however, is how these expenses were being submitted.

Employees were most likely to commit expense reporting fraud when submitting manual or spreadsheet-tracked receipts to accounts payable. 9.1% of employees who submit expenses this way have committed fraudulent actions in their expense tracking, typically inflating small expenses that are less likely to be noticed.

To help stop these instances of fraud, solutions like TripLog have made it possible and affordable for firms to get exact mileage reports, put them all into a readable format, save time for the accounting team, and, most importantly, stop fraud in its tracks.

Learn more at: https://triplogmileage.com/

About TripLog, Inc.:

Located east of Seattle in Issaquah, Washington, TripLog has been helping businesses ranging from small to enterprise-scale handle their mileage claims and expense reimbursements for over ten years. TripLog's intuitive app provides mobile employees with an easy-to-use system to automatically track their mileage when they start a drive, eliminating any guesswork and inaccuracies. In addition, their web dashboard gives administrators access to detailed data, providing increased oversight, allowing businesses to keep their clients' teams accountable, and provide them with accurate reimbursements.

{Citation -- Chrome River's 2019 Expense Fraud Survey: https://info.emburse.com/rs/496-CPG-762/images/Chrome-River-White-Paper-Expense-Fraud-Survey.pdf]

Related link: https://triplogmileage.com/

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Business, Free News Articles, Manufacturing, Reports and Studies

171 New Industrial Manufacturing Planned Industrial Project Reports – May 2021 Recap

JACKSONVILLE, Fla. -- SalesLeads announced today the May 2021 results for the new planned capital project spending report for the Industrial Manufacturing industry. The Firm tracks North American planned industrial capital project activity; including facility expansions, new plant construction and significant equipment modernization projects. Research confirms 171 new projects in the Industrial Manufacturing sector.

The following are selected highlights on new Industrial Manufacturing industry construction news.

Industrial Manufacturing - By Project Type

Manufacturing/Production Facilities - 154 New Projects

Distribution and Industrial Warehouse - 55 New Projects

Industrial Manufacturing - By Project Scope/Activity

New Construction - 44 New Projects

Expansion - 73 New Projects

Renovations/Equipment Upgrades - 72 New Projects

Plant Closings - 5 New Projects

Industrial Manufacturing - By Project Location(Top 10 States)
New York - 11
Ohio - 11
Texas - 10
Indiana - 9
Wisconsin - 9
California - 8
North Carolina - 8
Tennessee - 7
Pennsylvania - 7
Virginia - 7

Largest Planned Project

During the month of May, our research team identified 9 new Industrial Manufacturing facility construction projects with an estimated value of $100 million or more.

The largest project is owned by Intel Corporation, who is planning to invest $3.5 billion for the renovation and equipment upgrades on their manufacturing facility in RIO RANCHO, NM. Construction is expected to start in late 2021, with completion slated for late 2022.

Top 10 Tracked Industrial Manufacturing Projects

NEW YORK:

Biotechnology company is planning to invest $480 million for the expansion of their laboratory and processing facility in TARRYTOWN, NY by 207,000 sf. They are currently seeking approval for the project.

TEXAS:

Automotive components mfr. is considering investing $286 million for the construction of a manufacturing facility and currently seeking a site in CENTRAL TEXAS. Watch SalesLeads for updates.

LOUISIANA:

Wood products mfr. is planning to invest $157 million for the expansion and equipment upgrades of their manufacturing facility in HOLDEN, LA. They have recently received approval for the project.

NORTH CAROLINA:

Construction equipment mfr. is planning to invest $70 million for the expansion of their manufacturing facility in STATESVILLE, NC by 580,000 sf. They have recently received approval for the project. Construction is expected to start in Summer 2021.

SOUTH CAROLINA:

Firearm mfr. is planning to invest $62 million for the renovation and equipment upgrades on a recently acquired 310,000 sf manufacturing and distribution facility on Metropolitan Dr. in MIDLANDS, SC.

GEORGIA:

Paper products mfr. is planning to invest $60 million for the expansion of their manufacturing facility in JESUP, GA. They have recently received approval for the project.

KENTUCKY:

Automotive components mfr. is planning to invest $51 million for the expansion of their manufacturing facility in WILLIAMSBURG, KY by 68,000 sf. They have recently received approval for the project. Completion is slated for late 2022.

MICHIGAN:

Home appliance mfr. is considering investing $50 million for the construction of a new 150,000 sf manufacturing and technology center in or the renovation and equipment upgrades on their existing facility in ST. JOSEPH, MI. Watch SalesLeads for updates.

TEXAS:

Tube and pipe mfr. is planning to invest $30 million for the construction of an 80,000 sf manufacturing facility on US 290 in BRENHAM, TX. They have recently received approval for the project.

GEORGIA:

Wood products mfr. is planning to invest $30 million for an expansion of their manufacturing facility in PERRY, GA. They have recently received approval for the project.

Since 1959, SalesLeads, based out of Jacksonville, FL has been providing Industrial Project Reports on companies that are planning significant capital investments in their industrial facilities throughout North America. Our professional research team identifies new construction, expansion, relocation, major renovation, equipment upgrades, and plant closing project opportunities so that our clients can focus sales and marketing resources on the target accounts that have an impending need for their products, services, and indirect materials. https://www.salesleadsinc.com/

MEDIA ONLY CONTACT

Cherise Kennerley

cherise@roi-m.com

847-312-1367 mobile (media only)

Related link: https://www.salesleadsinc.com/

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