Mr.Shelby

Happy birthday to you!

Happy birthday to you!🥳🥳

Happy Birthday!

https://www.eluniverso.com/noticias/economia/con-ley-de-defensa-a-los-clientes-se-prohibe-el-hostigamiento-por-cobros-y-se-pone-plazo-para-devolver-un-producto-nota/ The regulations establish a period of 15 days to make changes or returns of a product, in the state in which it was received. The rule prohibits persistent and repetitive harassment, intimidation or annoyance against a consumer for the collection of a debt. Photo: File. Photo: The Universe After the National Assembly processed President Guillermo Lasso's partial veto on the Organic Law to Defend the Rights of Clients of the National Financial System and Avoid Undue Charges and Unsolicited Services, it sent this regulation to the Official Registry. The Legislative accepted 12 of 32 objections formulated by the Executive ; in the remaining 20 , the Assembly ratified the text approved last December, according to the report prepared by the Economic Regime Commission. The resolution was approved with 123 votes in favor on Wednesday afternoon. It includes reforms to the Monetary and Financial Code, the Consumer Protection Law and the Telecommunications Law. The norm establishes a limit of collections through calls, messages or email; the term for the return of products and changes of plans without additional charges. Collection Harassment Prohibited The collection companies contracted by the suppliers, which carry out collection management by telephone, by means of messages, calls or email, may not do so more than once a day. Neither at a time before 07:00 or after 20:00, nor on weekends or holidays , nor from an unidentifiable telephone number. Therefore , persistent and repetitive harassment, intimidation or annoyance against a consumer for the collection of a debt is prohibited. Controls over banking services Financial service entities were ordered to carry out controls on the services they provide through electronic banking and other electronic channels. In addition, that they implement adequate and sufficient security to safeguard user resources. They must also inform customers of the security measures applied in relation to the use of keys and passwords. And they will have to submit to the National Assembly an accountability report during the first quarter of each year with respect to the previous fiscal year, which will include a description of the general state of the national financial system, as well as the results of the control and defending the rights of users and customers. claims The rule indicates that the entities of the financial system must deliver a report every six months to the competent Superintendency on the number of claims filed , claims handled favorably and amounts returned. Customers have the right to address claims and requests at any agency or branch of financial entities, control body and customer ombudsman. Now financial entities must attend and respond to the user within a maximum period of 15 days for claims originating in the country. If it is outside, the term is 40 days. Meanwhile, if in cases of claims in which there is no prior authorization from the client for charges, the financial institution must return , without further formality, the entire amount , plus interest calculated from the date on which the charges occurred. . These returns must be made within a maximum of three days. Right to protection The regulations establish that the clients of the national financial system will have the right to require the adoption of measures that guarantee both the security of financial operations and to receive effective protection without delay by the client's ombudsman, the superintendencies and other administrative instances. or competent courts in the following cases: Existence of prohibited clauses that violate your rights. Violation of the protection of your personal data that financial entities obtain. Refusal to access your information and personal credit data by physical or digital means, which are contained in any database of the entities of the national financial system. Rectification may be required free of charge when information is inaccurate or erroneous. Use of judicial and extrajudicial collection methods by financial institutions that violate privacy, personal dignity, honor and good reputation. Unilateral modifications of conditions and terms included in contracts. Refusal to receive deposit guarantee fund coverage. Refusal by financial entities to provide information and documentation of all acts that support the negotiation, contracting, execution, termination of contract and the provision of products and services in which they are direct providers. Failure to obtain documents that have been canceled and endorsed due to the subrogation of the indirect obligation. Return of products Consumers, according to the regulations, have the right to return, change or suspend a product or service when they are dissatisfied or when it does not meet their expectations. The term to make changes or returns is 15 days after the delivery of the product, in the state in which it was received. In the case of services, their return translates into the immediate suspension of their contract. contract plans Reforms to the Telecommunications Law are established where changes are made to the rights of subscribers, customers and users of that service. Customers can request to change the contracted plan, without generating any additional financial obligation. Service providers with prepaid and postpaid plans are required to offer plans that allow the minutes of calls, text messages and megabytes of data that are not used to accumulate for the next billing period. Purposes of the Superintendency of Banks The Executive proposed to eliminate article 60 considering it redundant, but the Assembly passed it with certain modifications. Then, the Superintendence of Banks will carry out the surveillance, audit, intervention, control and supervision of the financial activities carried out by the public and private entities of the national financial system, with the purpose that these activities serve the general interest, are subject to the legal system , and to avoid, prevent and discourage fraudulent and prohibited practices in order to protect the rights of users and/or clients of the national financial system. (I)

https://www.elperiodicodearagon.com/sociedad/2022/02/03/desarrollan-tecnologia-crea-tejidos-humanos-62259505.html The objective of the 3D bioprinting technique is to generate in vitro models that are sufficiently complex and suitable for use in the pharmaceutical industry and in basic research. This technology could make it possible to reduce animal experimentation in laboratories. EFE The Institute for Bioengineering of Catalonia (IBEC) coordinates a European project to reduce animal experimentation with the development of a light-based 3D bioprinting technology that manufactures human tissues from cell cultures. According to the researchers, this technology could make it possible to reduce animal experimentation in laboratories , something that is still essential for scientists, and could even be used to produce organs in the laboratory. Although the European Union , through the European Association for Animal Research, regulates animal research following the 3R principle: Replace animals with other methods; Reduce the number of animals used and refine the methodology to minimize animal suffering , it is still essential to use animals for experimentation, something highly criticized by animal associations and much of society. Faced with this situation, the project coordinated by IBEC intends to use 3D printing for biomedical purposes, known as tissue engineering or regenerative medicine and increasingly common in the field of bone and dental prostheses or to produce cartilage. The researchers of this project are already manufacturing human skin , a highly complex tissue, in a project funded by the European Union and coordinated by researchers from the IBEC Biomimetic Systems laboratory for cell engineering, led by Elena Martínez. Testing of drugs and cosmetics Its objective is to create in vitro models that are sufficiently complex and suitable for use in the pharmaceutical industry (testing of cosmetics and drugs) and in basic research, reducing animal experimentation. To do this, researchers are developing a new 3D bioprinting technology based on high-quality laser light with which they intend to overcome some technical obstacles that currently limit the manufacture of complex human tissues "Our innovative 3D bioprinting system not only achieves tissues that are closer to the real ones, but it is also much faster than current systems", explained Elena Martínez, coordinator of the European project. A key aspect in this technology is the hydrogels , materials that form the base where the cells that will form the new tissue will grow. Another relevant factor is that the entire process can be done in a personalized way, since patient cells can be used to manufacture the new tissue. To perfect the new technology, the BRIGHTER researchers are already printing human skin, a tissue with a complex three-dimensional structure made up of multiple cell types and structures such as sweat glands and villi. According to Martínez, the skin made with this new technology can be used as a substitute for animals in the pharmaceutical and cosmetic industry and in basic research laboratories, and can also help meet the demand for skin in medical interventions, for example, in burns or people suffering from different dermatological diseases. mold in detail "The advantage of this new technology is that it allows the fabric being printed to be molded in detail, which in the case of leather is crucial, since it is a dynamic fabric made up of several layers with different cell types and matrix composition. extracellular," according to Martínez. To 'print' the skin, and so that it adopts its structure, shape and consistency, the researchers use advanced imaging techniques , which combine illumination with sheets of light and high-resolution digital photomasks, and thus be able to fix the cells in the hydrogels. They do this by applying laser light directly onto a mixture of materials (hydrogels and cells), which also contains molecules that react to light. In this way, it is possible to mold the new fabric and manufacture its 3D structure 'à la carte', controlling the stiffness, shape and dimensions, thus creating three-dimensional fabrics with complex geometry. "We hope to be able to print a skin sample with an area of 1 square centimeter and a thickness of 1 millimeter in approximately 10 minutes and with a cell viability of more than 95%, greatly improving current bioprinting conditions", IBEC researcher Núria advanced. towers.

https://www.autocar.co.uk/car-review/mazda/cx-5/first-drives/mazda-cx-5-25-awd-gt-sport-2022-uk-review When Mazda launched the original CX-5 in 2012, SUVs accounted for just 2% of its UK sales. A decade later and as the second-generation car enters the second half of its lifecycle, that proportion has climbed to 60%. That’s emblematic of not just of the success of the model itself but also the meteoric surge in the po[CENSORED]rity of family SUVs as a whole over the past decade, which means the CX-5 now contends with a field of rivals that is one of the most comprehensive and most competitive of any on the market. This is actually the latest in a series of updates for the second-generation car since it was launched in 2017, but the closest to what you’d recognise as a mid-life facelift. New for 2022 is a revamped front end (note the chunkier grille surround and redesigned LED headlight clusters), a claimed boost in rolling refinement and the addition of a new drive mode select function on automatic models, called Mi-Drive, which brings dedicated Sport and Off-road driving modes. The line-up has also been shuffled to accommodate the oddly named Newground trim, which comes in a divisive shade of Zircon Sand Metallic (other, less flattering names have been suggested - although this tester appreciates any colour that isn’t silver, grey or white being offered) and brings bright green trim accents and seat piping. If nothing else, it’s an effective means of exhibiting individuality in this, the most crowded – nay, ubiquitous – market segment, but entry-level SE-L and best-selling Sport are more familiar in their conception. Mazda also claims to have boosted ride comfort and refinement with modifications to the CX-5’s bodyshell – chiefly for enhanced lateral rigidity – and tweaks to the suspension’s damping settings with the aim of reducing pitch and roll. This focus on comfort extends to the reshaped seats, which “use their shape and the entire cushioned surface both keep the pelvis upright, and optimise the [CENSORED]ture of the spine”. Chiropractors rejoice. We spent most of our time in the range-topping GT Sport car, equipped with Mazda’s most powerful engine, a 191bhp 2.5-litre naturally aspirated four-cylinder, sending its reserves to both axles. Unlike the bulk of its rivals, the CX-5 is not available with a hybrid powertrain as yet, although start-stop is standard fare and this engine is equipped with cylinder deactivation for reduced consumption at a cruise. What's it like? Mazda stands out from its peers by virtue of its capacity to design cabin environments that seem near universally well received, and the CX-5 continues to attract in this respect. The infotainment screen is sensibly sized and sensibly controlled via a console-mounted rotary dial (thumbs up), and there’s a physical button or switch for all of the most commonly used functions (two thumbs up). It’s far from cluttered, though. Mazda’s sleek, minimalistic Kodo design language carries through to a cockpit that’s airy and modern, with good visibility and comfortable seating. There’s plenty of knee, elbow, shoulder and head room in each row, and the agreeably capacious boot is made bigger still courtesy of a ‘hidden’ storage tray where once you may have found a spare wheel. The brown nappa leather upholstery and wood-grain trim make the GT Sport car feel like a bona fide premium offering, and the intuitive gauge cluster format is a well-timed lesson in ergonomics for those other manufacturers which attempt to show too much data behind the steering wheel. The 2.5-litre range-topping engine is a noisy lump, making itself well known in the cabin as it progresses through the automatic gearbox’s six ratios – perhaps another couple of cogs at the top end would stretch things out sufficiently to abate some of the fuss – but compared with rivals that use a CVT gearbox, the accelerative experience is far easier on the ears. Cruising economy is far from the class best, though, with 35.3mpg on the WLTP combined cycle putting it some way behind the exclusively hybridised Toyota RAV4, Honda CR-V and Nissan Qashqai - and the 182g/km of CO2 it pumps out puts it at least two tax brackets above. However, it's a smooth and suitably potent performer generally and never feels wanting for power, even when overtaking at speed or pulling out onto busy roads. But if you’re considering a Mazda as your household's next steed, you must care – at least slightly more than a jot – about dynamic appeal. And the good news is that beneath this lofty and eminently sensible body (at least on the 4WD top-rung car) is an attainably engaging chassis and powertrain - on the right roads, in the right conditions and with the drivetrain configured appropriately. In the case of our test drive, the roads were a mixture of tight and slick, sweeping and drenched, with plenty of scope to verify the 9.3sec 0-62mph sprint time between bends – hardly rapid but far from dull – and tackle bends enthusiastically. This being Mazda’s least overtly sporting car, dynamic verve is hardly going to be the factor that nabs the bulk of buyers, but even in this prevailingly sensible and staid segment, there’s got to be room to cut loose occasionally. obviously, even when not going for it – but for the most part, the CX-5 feels well tied down and predictably composed. The steering becomes perceptibly weightier off centre and torque-vectoring trickery makes it possible to almost pivot through tight corners at speed, but at all times, there’s a sense of disengagement between the thin-rimmed steering wheel and the front wheels, and it quickly becomes clear that although the CX-5 is more inspiring to pilot through the twisties than its competitors might be, this is not a car that will tempt you out of bed for a blast before the kids get up. But you didn’t expect it to be, so that’s fine. Sport mode, added as part of the newly integrated Mi-Drive powertrain management system, makes everything a bit louder and redder for that artificially enhanced sporting experience, which only begins to feel slightly less synthetic with the gearbox operated manually through the column-mounted paddles. In this scenario, the Mazda manages to entertain beyond what might be considered the bare minimum, but the bar – let’s remember – is not a high one to clear in this regard. The four-wheel-drive range-topper also gets an Off-road mode for peace of mind and ease of use over more challenging terrain, although it may as well be called ‘Football Practice’ mode and reserved exclusively for Sunday mornings. The CX-5 is at its best in day-to-day driving scenarios, rolling smoothly and quietly over all but the most chasmic of imperfections, and dependably maintaining grip at each end when the going gets greasy. Gripes extend to a vibration through the steering wheel and seat base over crumbly Tarmac and a noticeable amount of tyre and wind roar at speed, but neither of these overly blights the driving experience and the CX-5 is a capable tourer, irrespective of specification. There are two other powertrains on offer: a more frugal 163bhp 2.0-litre petrol, which drives just the front wheels and feels a tad gutless by comparison (but can be paired with a satisfyingly snickety six-speed manual ’box) and a 181bhp 2.2-litre diesel. The diesel, while hardly the fashionable choice, is certainly the sensible one for any buyer with a lot of ground to cover, given it’ll crack 42.8mpg, and because the petrols are naturally aspirated, it barely gives anything away in terms of top-end grunt. Just don’t expect to be encouraged into any exuberance by the gruff engine note. Should I buy one? For manufacturers, there’s quite a risk attached to any sort of attempt at differentiation in the family SUV segment: too little and there’s nothing to set your high-rised hauler apart from the Qashqais and Kugas of this world, but too much and you risk alienating the vast majority of family and fleet buyers, who tend not to give two hoots whether or not their car looks and drives a bit like the Jones’s next door. The updated CX-5 remains a perfect example of compromise, in spite of its sub-par economy ratings. The brand’s prevailing selling points – among them attractive styling inside and out, agreeable levels of kit and well-rounded dynamics – shine through tangibly, and without threatening the CX-5’s positioning as a capacious and comfortable do-it-all crossover. One to buy with your head, for sure, but your heart won’t sink to see it on your driveway.

https://indianexpress.com/article/lifestyle/life-style/jeuje-zhoosh-zhuzh-a-word-of-many-spellings-and-meanings-7754478/ However it’s spelled, the word is used to convey what is often hard to: the act of adding an extra something special, a little oomph, to a dish, hairdo, outfit or any number of things. But where did it come from? Commonly used to describe that extra something added to almost anything, the slang term "jeuje" has a centuries-long history. (Kookie Santos/The New York Times) By Hayley Phelan When you fluff up pillows on your well-worn sofa, or turn your shirt sleeves up just-so, or sprinkle some spices over your morning eggs, you may be engaging in the art of the “jeuje.” Or is it “zhoosh”? Make that “zhuzh.” However it’s spelled, the word is used to convey what is often hard to: the act of adding an extra something special, a little oomph, to a dish, hairdo, outfit or any number of things. But where did it come from? Theories abound online. A few have placed their bets on Yiddish. Others swear the term is Romani in origin, derived from the word “zhouzho,” meaning clean or neat. And still others insist that it is an expressive formation, like “whoosh.” The most interesting origin story is also the one with the most historical backing. According to Paul Baker, a linguist at Lancaster University in England, the word can be traced to Polari, “a secret form of language, used mostly by gay men, which flourished in the early 20th century” in the United Kingdom. According to Baker, who has written two books on Polari, including “Fantabulosa: A Dictionary of Polari and Gay Slang,” the language is the product of “a very complicated and nonlinear chain” of events. He said it probably began as workplace slang among British sailors, who, traveling abroad, encountered the lingua franca of mainland Europe — i.e., French — and brought it home. Since sailors knew all manner of ropes, knots and rigging apparatus, they often took jobs on land as theater stagehands and circus performers. Polari thrived among Britain’s fairgrounds, circuses and markets, metabolizing words from here and there (including bits of Romani), then twisting — or zhuzhing — them up. Some Polari terms are “back slang,” or existing words pronounced as if they were spelled backward (“riah” for “hair,” for instance). By the 20th century, Baker said, Polari was spoken throughout the gay community in Britain, which had been driven underground by the country’s laws policing sexual behavior. Baker said the language allowed gay men to communicate frankly and identify one another, but with its irrepressible jauntiness, it also celebrated the customs and spirit of a marginalized community. “It was also used for general gossip, to be hilariously funny, and to ‘read’ people with the most cutting put-downs,” Baker said. Jonathon Green, who has spent the past 40ish years working on a comprehensive online dictionary of slang, cited early usage of the word — spelled as “zhoosh”— in a 1977 article from the British newspaper Gay News: “We would zhoosh [‘fix’] our riahs [‘hair’], powder our eeks [‘faces’], climb into our bona [‘nice’] new drag [‘clothes’], don our batts [‘shoes’] and troll off [‘cruise’] to some bona bijou [‘nice, small’] bar.” Baker puts weight on the theory that the word “may have come about due to its onomatopoeic qualities.” Originally, he wrote in an email, “it was used in a variety of contexts, e.g., to zhoosh off (to go away), to zhoosh a bevvy (to gulp down a drink), to steal something (a zhoosh bag was a swag bag).” ALSO READ |New book tells story of India through its languages “It was gradually this ‘styling’ sense that became the dominant one, possibly because it was more useful for gay men,” Baker said. In the 1960s, Polari shot to mainstream awareness thanks to BBC radio’s po[CENSORED]r comedy program “Round the Horne,” which followed the campy adventures of out-of-work theater actors Julian and Sandy, played by Kenneth Williams and Hugh Paddick, gay icons of British entertainment. “It was all double entendre, and hidden meaning, deeply wonderful stuff and no doubt would have thrilled anyone familiar with Polari, to hear it on the radio, and know what it meant,” Green said. It is interesting to note that the word’s current resurgence can largely be attributed to that bastion of 21st-century gay culture, “Queer Eye for the Straight Guy,” on which viewers delighted in Carson Kressley admonishing his hapless new subject to “jeuje” up an ensemble by popping a collar or rolling up a sleeve. “It means to tweak it, making it better, giving it some personality, your own personal touch,” Kressley said. The show premiered in 2003; two years later, the Oxford English Dictionary added the word to its database, under the spelling “zhoosh.” “Though some people credit me with the word, it was actually a word I learned working with Ralph Lauren and specifically Ralph and his brother Jerry who I worked directly with, styling looks,” Kressley said. Slang has historically emerged through spoken language; words didn’t used to find their way into print until they’d been heavily codified. But with the birth of social media and meme culture, slang words are increasingly hitting our eyes before our ears. “We are seeing slang words far earlier in their development nowadays,” said Emily Brewster, a senior editor and lexicographer at Merriam-Webster. “And the number of years that it takes a slang word, which is markedly informal, qualify for entry has decreased dramatically.” In the 1950s, Brewster said, it took an average of 35 years for a word, once coined, to qualify for entry in the Merriam-Webster dictionary. Today, it is just 11 — or less. So is “zhuzh” destined for those storied pages anytime soon? “I can say it has not been drafted for entry,” Brewster said, “but it is definitely one we are watching, and one that is getting closer to entry.” Ironically, when that day happens it might mark the end of the word’s appeal among the style-minded. “We don’t really enter a word until it’s ho-hum,” Brewster said, “until it’s like, ‘Nobody says zhuzh anymore.’”