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Recent
8th July, pm.
This is the 8th July second afternoon session in the case of Samantha Tempest v DEFRA & Rural Payments Agency. Caroline Airs will continue giving evidence as witness for the Respondent.
This is the 8th July second afternoon session in the case of Samantha Tempest v DEFRA & Rural Payments Agency. Caroline Airs will continue giving evidence as witness for the Respondent.
J Happy to proceed
HH Thank you. It's that Friday pm feeling and it's only Wednesday
HH Looking at particular challenges faced by TW. p397. Article taking deep dive into trends in CS surveys. Under gender gap
J This is article about survey not survey
HH Do you know who Becky
HH Thank you. It's that Friday pm feeling and it's only Wednesday
HH Looking at particular challenges faced by TW. p397. Article taking deep dive into trends in CS surveys. Under gender gap
J This is article about survey not survey
HH Do you know who Becky
Smith is.
HH No. Think taken from raw data.
HH It shows further divergence in discriminatory trends for TW - risen - while TM reported fall. And compares against non-t remaining steady.
HH No. Think taken from raw data.
HH It shows further divergence in discriminatory trends for TW - risen - while TM reported fall. And compares against non-t remaining steady.
Why a bank would 🏦 seller finance a Non-Performing Loan
a favorite move of some direct to seller real estateurs on this platform is to pitch seller financing
aka you buy the property and the seller lends you some of the money to buy it
here's why banks like this move when selling NPLs 👇
a favorite move of some direct to seller real estateurs on this platform is to pitch seller financing
aka you buy the property and the seller lends you some of the money to buy it
here's why banks like this move when selling NPLs 👇
1/ Reduced exposure
"We can’t give you 90 LTC, that’s crazy. What’s market?"
"You’re at 100 LTC now, 90 would be a reduction in your exposure"
^actual conversation I had pitching a lender on seller financing (or back levering) an NPL they were selling me 😂
Basically, the bank is getting the equivalent of a partial principal pay down; not something you often get from delinquent borrowers!
"We can’t give you 90 LTC, that’s crazy. What’s market?"
"You’re at 100 LTC now, 90 would be a reduction in your exposure"
^actual conversation I had pitching a lender on seller financing (or back levering) an NPL they were selling me 😂
Basically, the bank is getting the equivalent of a partial principal pay down; not something you often get from delinquent borrowers!
2/ Better ROE
NPL back leverage prices higher than other back leverage and higher than direct CRE lending. A bank can take a delinquent 5% loan and seller finance it at a higher rate; earning them a better return. So they’re getting a reduction in risk and a higher return, a true win-win!
NPL back leverage prices higher than other back leverage and higher than direct CRE lending. A bank can take a delinquent 5% loan and seller finance it at a higher rate; earning them a better return. So they’re getting a reduction in risk and a higher return, a true win-win!
20 Years of NIFG - The Top 20s!
Day 8: Most Clean Sheets by Northern Ireland's International Goalkeepers🧤
Day 8: Most Clean Sheets by Northern Ireland's International Goalkeepers🧤
20. Bobby Irvine (1962-1965)
8 #NornIron caps / 2 clean sheets (25%)
8 #NornIron caps / 2 clean sheets (25%)
19. Ted Hinton (1946-1951)
7 #NornIron caps / 2 clean sheets (29%)
7 #NornIron caps / 2 clean sheets (29%)
LMFAO people are toooo funny giving me attention like this don't they know that negative or positive it's all the same to me 🤣🤣😜😜
@SurreyRCMP @surreyps @LangleyRCMP
@ChrisPentecos @Donaldnnicm @LangleyResident @BarbaraDoduk @RegretlessBee @Cdnwatcher @Istandtoreason @facepalmchris @trustednerd @felixcruggins @CultureGuard @WaxMyBallsShow @FranLa9 @kfurneaux20 @VernThurston @JonYaniv @JNonsense46242
@ChrisPentecos @Donaldnnicm @LangleyResident @BarbaraDoduk @RegretlessBee @Cdnwatcher @Istandtoreason @facepalmchris @trustednerd @felixcruggins @CultureGuard @WaxMyBallsShow @FranLa9 @kfurneaux20 @VernThurston @JonYaniv @JNonsense46242
@SurreyRCMP @surreyps @LangleyRCMP @ChrisPentecos @Donaldnnicm @LangleyResident @BarbaraDoduk @RegretlessBee @Cdnwatcher @Istandtoreason @facepalmchris @trustednerd @felixcruggins @CultureGuard @WaxMyBallsShow @FranLa9 @kfurneaux20 @VernThurston @JonYaniv @JNonsense46242 @threadreaderapp unroll
LMFAO people are toooo funny giving me attention like this don't they know that negative or positive it's all the same to me 🤣🤣😜😜
@SurreyRCMP @surreyps @LangleyRCMP
@ChrisPentecos @Donaldnnicm @LangleyResident @BarbaraDoduk @RegretlessBee @Cdnwatcher @Istandtoreason @facepalmchris @trustednerd @felixcruggins @CultureGuard @WaxMyBallsShow @FranLa9 @kfurneaux20 @VernThurston @JonYaniv @JNonsense46242
@ChrisPentecos @Donaldnnicm @LangleyResident @BarbaraDoduk @RegretlessBee @Cdnwatcher @Istandtoreason @facepalmchris @trustednerd @felixcruggins @CultureGuard @WaxMyBallsShow @FranLa9 @kfurneaux20 @VernThurston @JonYaniv @JNonsense46242
@SurreyRCMP @surreyps @LangleyRCMP @ChrisPentecos @Donaldnnicm @LangleyResident @BarbaraDoduk @RegretlessBee @Cdnwatcher @Istandtoreason @facepalmchris @trustednerd @felixcruggins @CultureGuard @WaxMyBallsShow @FranLa9 @kfurneaux20 @VernThurston @JonYaniv @JNonsense46242 @threadreaderapp unroll
The geopolitical storm around the Panama ship registry risks worsening, as vessels flee the flag at a record pace while Washington threatens to investigate Beijing’s detention campaign, raising the risk of wider trade tensions and disruption to global shipping
Chinese interests were the largest known owner group to leave, with 70 vessels departing in June — 50 linked to mainland China and 20 to Hong Kong. Japanese owners accounted for 20 vessels, followed by Singapore with 16 and Greece 10
Read more: lloydslist.com/LL1157771/Pana…
Chinese domestic auto sales remained weak in June. EV sales are now right at 12m cars (over the last 12ms). ICE sales have dipped below 10m
1/
1/
22m in domestic sales and ~ 55m in capacity.
Michael Dunne
"this year China has capacity to build about 55 million cars. Their domestic demand is 25 million. They’ll export another 10 million that leaves 15 to 20 million in excess capacity idle"
2/
latitudemedia.com/news/catalyst-…
Michael Dunne
"this year China has capacity to build about 55 million cars. Their domestic demand is 25 million. They’ll export another 10 million that leaves 15 to 20 million in excess capacity idle"
2/
latitudemedia.com/news/catalyst-…
On the ICE side China once had the capacity to make 35-40m cars -- some of that has been repurposed to make EVs or shut ...
production is now 15m, with ~ 5m in exports (more than Germany!)
3/
production is now 15m, with ~ 5m in exports (more than Germany!)
3/
This is short thread of posts that did not load during the re-examination of Nicola Bettesworth by AL for the Rs, the final post before the problem is posted below.
NB expression of belief is expressly permitted J would any expression of belief be permitted NB not all beliefs would be appropriately expressed but we would deal with that on an individual employee basis AL and what would that be NB complaints, moderation, disciplinary action,
AL – about JH, approach to g/x inappropriate
NB no, felt her passion and care, was personally invested ina solution
J repeats what’s in your WS
NB I also felt that JH was looking at it from the point of view of C and not considering the wider obligations of the org to the EA
NB no, felt her passion and care, was personally invested ina solution
J repeats what’s in your WS
NB I also felt that JH was looking at it from the point of view of C and not considering the wider obligations of the org to the EA
Good afternoon. This is the 8th July first afternoon session in the case of Samantha Tempest v DEFRA & Rural Payments Agency. Caroline Airs will be giving evidence as witness for the Respondent. We expect to resume at 2.30pm.
Our Substack page on the case contains all the previous sessions, background information, witness statements (after witnesses are sworn), a number of relevant documents, and a full list of abbreviations:
tribunaltweets.substack.com/p/tempest-vs-d…
tribunaltweets.substack.com/p/tempest-vs-d…
In a windowless basement at Pearl Harbor, a man in a bathrobe and slippers and his team broke into a code the Japanese believed was unbreakable.
What they found in it helped hand America the intelligence advantage that turned the entire Pacific war.
Then the Navy buried him for it.
This is the story of Joe Rochefort and the codebreakers..🧵1/7
What they found in it helped hand America the intelligence advantage that turned the entire Pacific war.
Then the Navy buried him for it.
This is the story of Joe Rochefort and the codebreakers..🧵1/7
🧵 2/7
When the bombs fell on Pearl Harbor on December 7 1941, Commander Joe Rochefort took it personally. He ran the Navy's code and intelligence unit in Hawaii, and he had not seen the attack coming. He would carry the guilt of that for the rest of his life.
So he threw himself into making sure it never happened again.
Rochefort ran a unit called Station HYPO, hidden in a windowless basement beneath Pearl Harbor. It was a strange, brilliant place. Rochefort himself often worked in a red smoking jacket and carpet slippers pulled over his uniform, went days without leaving the basement or bathing, and slept in a cot in the corner between shifts.
His team was just as unusual. To fill it out, he recruited the entire band from the battleship USS California, which had been knocked out at Pearl Harbor. He believed that musicians, with their gift for spotting patterns, would make superb codebreakers. He was right.
When the bombs fell on Pearl Harbor on December 7 1941, Commander Joe Rochefort took it personally. He ran the Navy's code and intelligence unit in Hawaii, and he had not seen the attack coming. He would carry the guilt of that for the rest of his life.
So he threw himself into making sure it never happened again.
Rochefort ran a unit called Station HYPO, hidden in a windowless basement beneath Pearl Harbor. It was a strange, brilliant place. Rochefort himself often worked in a red smoking jacket and carpet slippers pulled over his uniform, went days without leaving the basement or bathing, and slept in a cot in the corner between shifts.
His team was just as unusual. To fill it out, he recruited the entire band from the battleship USS California, which had been knocked out at Pearl Harbor. He believed that musicians, with their gift for spotting patterns, would make superb codebreakers. He was right.
🧵 3/7
Their target was the Japanese Navy's main operational code, known to the Americans as JN-25.
It was fiendish. The code was built from tens of thousands of five-digit number groups, each standing for a word or phrase, and the Japanese changed it regularly. One codebreaker compared the work to assembling a jigsaw puzzle with most of the pieces permanently missing, in the dark. They never read all of it. They pulled fragments of meaning out of the traffic, piece by piece.
Day after day, for twelve hours or more at a stretch, Rochefort's team worked those fragments. Slowly, painfully, they began to read enough of the enemy's mail to matter.
And by the spring of 1942, they started seeing something enormous taking shape. The Japanese were planning a massive operation against a target they referred to only by a code designation. AF.
Rochefort was certain he knew what AF was. The trouble was convincing anyone else.
Their target was the Japanese Navy's main operational code, known to the Americans as JN-25.
It was fiendish. The code was built from tens of thousands of five-digit number groups, each standing for a word or phrase, and the Japanese changed it regularly. One codebreaker compared the work to assembling a jigsaw puzzle with most of the pieces permanently missing, in the dark. They never read all of it. They pulled fragments of meaning out of the traffic, piece by piece.
Day after day, for twelve hours or more at a stretch, Rochefort's team worked those fragments. Slowly, painfully, they began to read enough of the enemy's mail to matter.
And by the spring of 1942, they started seeing something enormous taking shape. The Japanese were planning a massive operation against a target they referred to only by a code designation. AF.
Rochefort was certain he knew what AF was. The trouble was convincing anyone else.
If you drafted Rico Dowdle last year, you probably LOVED Fantasy Football…
Target these 5 Late-Round RBs with ELITE Ceiling in 2026:
Target these 5 Late-Round RBs with ELITE Ceiling in 2026:
Rachaad White
Commanders Depth Chart Unclear
- Bill Croskey-Merritt
- Kaytron Allen
Stud RB1 Ceiling Last Year…
Weeks 5-6 (per Game)
- 20.4 Fantasy Points
- 19.0 Opportunities
35 Career Games w/ 55%+ Snaps
- 14.3 Fantasy Points per Game
Best WAS RB.
Commanders Depth Chart Unclear
- Bill Croskey-Merritt
- Kaytron Allen
Stud RB1 Ceiling Last Year…
Weeks 5-6 (per Game)
- 20.4 Fantasy Points
- 19.0 Opportunities
35 Career Games w/ 55%+ Snaps
- 14.3 Fantasy Points per Game
Best WAS RB.
Nick Singleton
Firmly Behind Tony Pollard and Tyjae Spears on TEN RB Depth Chart…
Pollard
- Awful Efficiency Last Year
- 29 Years Old
Spears
- 4+ Games Missed, Two Straight Years
- Not Three-Down Workhorse
Singleton is a Better Pure Rusher than Both. End of Season Winner?
Firmly Behind Tony Pollard and Tyjae Spears on TEN RB Depth Chart…
Pollard
- Awful Efficiency Last Year
- 29 Years Old
Spears
- 4+ Games Missed, Two Straight Years
- Not Three-Down Workhorse
Singleton is a Better Pure Rusher than Both. End of Season Winner?
For anyone wondering who "The Establishment" is that Nigel Farage is selflessly taking on:
It's those with an entrenched position in our society, who never seem to go away
People who went to prestigious private schools, only open to the very wealthy
