A trojan is extremely persistent and can bypass built-in protections by using a cryptographic digital signature. New threats include the rise of malware droppers like OSX/Shlayer, found on 10% of Macs that run Kaspersky security software. However, as the popularity of Apple products grew, it sparked the interest of cybercriminals, and according to the research provided in Malwarebyte's State of Malware report, Mac threats have been growing at a higher pace than Windows malware did. You can get this tool from its official website, or you can receive it through other software It provides protection from malware and PUPs, secures personal information and files, blocks spam and phishing messages, cleans the system from junk, improves computer speed Intego offers 11 apps and bundles to satisfy customers' needs: This product is used for protecting macOS machines from various cyber threats and improving the system by providing other beneficial features Apple devices use features like Gatekeeper (stops unauthorized software from being installed) and XProtect – these were initially enough to fight all the unwanted software that tried to access a Mac computer. Indeed, Macs are considered to be more secure than Windows operating systems. Intego antivirus was around for years, although many Mac users believed that additional security tools were not needed for the platform, as it is secure simply by using the built-in defenses. Use Intego for Mac to ensure the best protection against malware and numerous other types of viruses In this Intego review, we will explain why you would need Intego Mac Internet Security suite, how it protects your device, how much it costs, and what benefit it provides. Without a doubt, any suspicious or malicious components that manage to access macOS are immediately terminated from the computer. The developers behind Intego software have been in the security business since 1997 and have plenty of experience in providing comprehensive protection for users who decide to acquire one of the application packages for Mac: VirusBarrier X9, Mac Internet Security X9, or Mac Premium Bundle X9 – all at affordable price.īesides the basic protection from malware, Intego Mac Internet Security is equipped with an arsenal of additional protection features, including anti-spam, anti-phishing, data protection, firewall, and data protection. Intego is a security solution suite that helps to protect macOS and Mac OS X computers from various threats, including adware, spyware, Trojans, and scareware, as well as online scams and phishing attempts. This is where a solid security suite, such as Mac Internet Security X9 comes into play.Īs the app has been designed specifically for Mac, it provides around-the-clock protection and detect a diverse array of threats to make sure you and your Mac are given the best possible security at all times.Intego – multi-functional security software for your macOS These criminals are not just targeting Macs they’re after your sensitive personal information and your money. The reality is all machines are vulnerable and cyber-criminals use a variety of malware that threatens Mac computers. Many Mac OS X users have been misled by the common myth that Apple Mac OS X machines can’t get viruses, and that antivirus software is unnecessary. Together they ensure your Mac is protected against adware, malware, viruses, and unknown apps trying to get in. Mac Internet Security X9 contains two of Intego's best-selling security products that protect your Mac against malware and network attacks: Intego VirusBarrier X9 antivirus software protection, and Intego NetBarrier X9 network protection software.
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Lipitor will not be as effective in lowering your cholesterol if you do not follow a cholesterol-lowering diet plan. Call your doctor right away if you have unexplained muscle pain, tenderness, or weakness especially if you also have fever, unusual tiredness, or dark colored urine.Īvoid eating foods that are high in fat or cholesterol. Tell each of your healthcare providers about all medicines you use now, and any medicine you start or stop using.Ītorvastatin can cause a condition that results in the breakdown of skeletal muscle tissue, which can lead to kidney failure. Serious drug interactions can occur when certain medicines are used together with Lipitor. Stop taking Lipitor and tell your doctor right away if you become pregnant. You should not take Lipitor if you are pregnant or breastfeeding, if you have liver disease, or if you have had an allergic reaction to Lipitor in the past. Lipitor is for use in adults and children who are at least 10 years old. Lipitor is used to treat high cholesterol, and to lower the risk of stroke, heart attack, or other heart complications in people with type 2 diabetes, coronary heart disease, or other risk factors such as genetically high cholesterol. Lipitor is used together with diet to lower blood levels of "bad" cholesterol (low-density lipoprotein, or LDL), to increase levels of "good" cholesterol (high-density lipoprotein, or HDL), and to lower triglycerides (a type of fat in the blood). Lipitor belongs to a group of drugs called HMG CoA reductase inhibitors, or "statins." Uninsured and underinsured motor vehicle coverage protects drivers who are deemed not at fault in an accident with an uninsured or underinsured driver. You can select from coverage limits ranging from $30 to $100 per day, for up to 30 days. It's optional coverage, but it could be useful if you need a car to commute back and forth from work or school. Mercury Insurance pays for a rental car if you’re in an accident and your vehicle needs repairs. Mercury offers comprehensive coverage, which protects your insured vehicles from covered losses such as extreme weather, vandalism, or fire. Mercury Insurance offers bodily injury liability and property damage liability coverage. It’ll also protect you in case someone files a lawsuit against you for causing property damage or bodily harm. Liability insurance may protect you if you’re found legally responsible for causing injury to another person or their property. If your car is totaled, Mercury will offer the actual cash value of your car after you pay the deductible. Mercury Insurance offers the following auto coverage options.Ĭollision coverage pays for vehicle repairs after being in an accident or replacement if the car is deemed a total loss. However, auto coverage through Mercury is only available in 11 states, including Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas and Virginia. It’s a leading independent agency writer of auto insurance policies in California. Those who prefer to work with a company completely online will have to look elsewhere, as Mercury Insurance only sells policies through its agents.įounded in 1961 and headquartered in Los Angeles, Mercury Insurance offers auto, homeowners, renters, business, and personal umbrella policies. Applicants can take advantage of eight available discounts, though availability varies by state. Mercury Insurance offers auto insurance coverage such as collision, comprehensive, and uninsured/underinsured motor vehicles. No online claims filing available: Policyholders will need to call Mercury Insurance’s 24/7 hotline to speak to a claims agent.Only available in 11 states: Only residents of Arizona, California, Florida, Georgia, Illinois, Nevada, New Jersey, New York, Oklahoma, Texas, and Virginia can purchase an auto policy with this insurer. Need to purchase policy through an agent: Unless you prefer one-on-one help, you may not like having to work with an agent if you prefer a completely online application process.Mechanical breakdown coverage available: This type of coverage acts as an extended warranty that pays for qualifying repairs if your car breaks down.Multiple discount opportunities: Mercury Insurance has a range of available discounts for policyholders, including MercuryGO which is a usage-based app that offers an immediate participation discount.It’ll give you coverage for any gaps not provided by the rideshare company’s policy. Rideshare coverage available: Depending on your state of residence, drivers for services such as Uber or Lyft can add a rideshare endorsement to their policy. How to get a guardianship and/or conservatorship.ĥ0 State (Plus D.C.) Survey of Powers of Attorney.ĭeclare your health care wishes if you’re incapacitated and can’t make your own decisions. Read our editorial guidelines to learn more about how we keep our content accurate, reliable and trustworthy. Legal Templates uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. įrequently Asked Questions About Power of Attorney Make sure to check the complete signing requirements for your state. The final step is to sign and date your POA paperwork.ĭepending on your state, a power of attorney may need to be signed by up to 2 witnesses and/or a notary. This step is unnecessary if the form is durable. If a Power of Attorney is non-durable, you can also nominate a guardian in advance to handle your affairs if you become incapacitated. On the form under “Termination,” choose non-durable or durable POA: Our general/financial POA lets you decide whether the power of authority stops if you become incapacitated and unable to make decisions or if it continues after. Step 3: Set the Duration of Power of Attorney For example, you can explain how you want to limit the power you are giving to your agent. Underneath, you can also include special instructions. This means that your agent cannot handle these critical and sensitive affairs unless you initiate them here: Next, initial the subjects you’d like to give specific authority over. The second part of the document allows you to choose which powers you give your agent and decide which decisions they can make for you.įirst, write your initials next to the subjects you’d like to give general authority over, allowing your agent to make overall decisions on your behalf: Step 2: Grant General Authority and Specific Authority On this part of the form, you can also nominate a second person to be your agent if the first is unwilling or unable to fulfill their duties. Then, write the name and address of the trusted individual you choose to be your agent/attorney-in-fact. How to Write a Power of Attorney Formįollow these steps to learn how to write a Power of Attorney form using our general/financial template as an example, and complete all your paperwork by yourself without hiring a lawyer: Step 1: Designate an Agentįirst, write your name and address at the top of the document (you are the principal). Many financial institutions have powers of attorney available. your state government offices or websites (e.g., the Department of Health Services).You can get a Power of Attorney form from the following places: Where Can I Get a Power of Attorney Form? For the document to take effect, the principal must fill it out and sign it.They also need to clarify when they wish the agent to start (and stop) acting on their behalf. Next, the principal defines the scope and whether it is general, medical, or specific tasks.At this stage, it’s essential for both parties to communicate fully and for the principal to understand the consequences of giving legal power to a representative. First, the principal decides whether to give someone power of attorney and who they want their agent to be.Here’s how to obtain a Power of Attorney: Make sure to get a form specific to your state. Springing - starts and ends when you specify so an agent can complete a specific task.īecause laws vary across the US, the type of POA you need, and its format depends on where you live.Limited (Special) - gives power to someone to make only the specific decisions you name on the form.Medical - allows someone you choose to make medical decisions for you.Durable - goes into effect if you become “incapacitated” (for example, in a coma) and can’t make decisions yourself.General (financial) - allows someone to make financial and business decisions on your behalf. The following are the different types of Power of Attorney: It’s particularly good at making your social media posts stand out – you can even share and schedule posts directly in the app. With over 10,000+ templates, graphics & fonts available, it’s great for customization. Over is a free photo editing app (with a paid professional option). We’ve chosen the following apps based on their impressive features and positive customer reviews. Unlike Markup, gradient and other effects can be added through the apps that allow the text to better stand out.Stickers and animations are available through apps.But, you may want something else to get even more creative. Markup is a great way of adding simple text to your images without downloading an app. Press the blue up-arrow logo to send your creation. Once you’re finished, select Save, then Done (top right corner). In the bottom-right of the screen, tap the Plus button (the + symbol in a circle). Tap the Plus button and select what you’d like to add Once you’ve selected a photo, it will appear within a message. Once you’ve found your image, tap it to select it. Open an existing conversation thread or tap the pen on paper icon to start a new one. Select who you want to send your image to To share a newly edited photo with someone via text or iMessage, tap on the Messages app iconĢ. Using Markup Editor with the Messenger App Once you’ve composed the rest of your email, tap the send button and your email (complete with its edited attachment) will be on its way. If you’ve selected Signature (and don’t want to add extra text), skip to step 9.Īfter you’ve completed this, tap Done in the top right corner. If you’ve selected the Text option, simply type what you’d like to add. Alternatively, choose Signature to sign – this is a great time-saving tool for emailing contracts. Select Text to add writing of your choice. Go to the bottom-right of the screen and tap the Plus button (the + symbol in a circle). Select the photo (or PDF file) that you want to attach to the email and edit, then tap Choose.Ĭlick on the attachment again, then tap the Markup icon.Ħ. If you can’t see this, tap the icon of a small triangle in a box for additional options. Select Insert Photo or Video or Add Attachment. Tapping inside the body of your email will trigger a pop-up with various options. Tap inside the body of your email and tap Insert Photo… Press reply to an existing email, or tap the pen on paper logo in the bottom right corner to start a new emailģ. If you want to send an edited photo, you can make changes within the Mail app. You’ve now added text to your image and can find this in your Photos app. To change the font face, size and/or text alignment, select the aA button (next to the Plus button).Īfter you’ve completed this, tap Done in the top right corner. To change your text’s color, simply use the Color menu. In the bottom-right of the screen, tap the Plus button (+ symbol in a circle). Go to the top-right corner of the screen and tap Edit, then tap the More option (the three dots). Alternatively, you can browse by Albums.įound the image you want? Simply tap it to open it. To view all your photos, tap the Photos tab in the lower left corner of your screen. So whether you’re looking to use Markup in photos, Markup in Mail, or Markup in Messenger, our simple step-by-guides will explain. In this guide, we’re focusing on adding text on devices with iOS 12 Touch, you can use Markup on Apple’s inbuilt apps to add text, signatures, Just select the area you’d like to learn more about to read our top tips: We understand that sometimes you want even more creative options – that’s why we’ve also listed some of our favorite third party photo editing apps. In this guide, we’ll offer step by step instructions on how Markup can be used to add text to images and pictures with Photos with Photos, Email and Messenger. Apple Markup makes it easier than ever to express yourself in this way. Reading Time: 10 minutes read How to add text to photos on your iPhone and iPadĪdding text to your photos can uniquely enhance your image. Avoid displaying root patches on unsupported macOS versions.Resolve crash when fetching remote macOS installers offline.Avoid listing unsupported installer to download by default.Resolve indeterminate progress bars not rendering with wxWidgets in Monterey and later.OpenCore-Patcher.app during root patching Resolve window placement defaulting past top of screen for some apps.Setting must be re-enabled after patching.Work-around crashing after patching with MenuBar2 implementation enabled.Previously disabled due to high instability in Photos with Face Scanning, now resolved. Allows for Live Text support on systems with3802 GPUs."EFI" and additional FAT32 partitions on a single drive Resolve partition buttons overlapping in Install OpenCore UI.This is a community-driven project, and as such we ask users to keep expectations in check and use older OSes if you encounter issues that affect you.įull Changelog 0.6.7 Changelog (click to expand) Intel Ivy Bridge and Haswell, Nvidia KeplerĪnd many more improvements and fixes listed in the changelog below.Īs to be expected, many of these features are still in active development. Restoration of Live Text on certain Metal 1 GPUs.Per-run logs in ~/Library/Logs/Dortania.Otherwise, this release of OpenCore Legacy Patcher contains some noteworthy improvements: Regardless, we're excited to try and see our old Macs run the latest OS! With WWDC2023 only a few days away, we're eagerly awaiting for macOS 14 to be announced! Do keep in mind that supporting new versions of macOS is an intensive process, so we cannot predict when (or potentially if) support will be added to OpenCore Legacy Patcher. Other notable Soviet Montage Movement directors included Dziga Vertov and Vsevolod Pudovkin. As predecessor to Battleship Potemkin, Strike perhaps set the stage for Eisenstein’s use of Montage editing, a sought-after style in the Soviet film industry of the 1920s, and particularly. The Acts were entitled Men and Maggots, Drama on the Deck, A Dead Man Calls Out, The Odessa Steps, and One Against All. The story was told in five acts and focused on the 1905 incident where the crew of the ill-fated ship mutinied against its officers. Perhaps the greatest example of the Soviet Montage movement was the film the Battleship Potemkin, directed by Sergei Eisenstein. It relied on images rather than words on title cards.įurther exploration of the Soviet Montage Style and how it affected filmmaking throughout the ages can be found below: Influential Soviet Montage Movement Directors While American film would stick closer to the script, Montage directors and theorists preferred, as one writer referred to, as a “collision of images” to achieve meaning. Without getting too far into the weeds, Montage’s theory brought a set of rules and structures to film. Soviet Montage Movement Film Characteristics It also served to create a clear distinction between American and Russian filmmaking styles. Moreover, though, Montage created a cinematic language that helped overcome the illiteracy of the Soviets at the time, using images rather than words, in order to adequately communicate the precepts and the ideals of the Communist Party. “A Dialectic Approach to Film Form that to determine the nature of montage is to solve the specific problem of cinema.” Revolution is war, begins a famous quote from Soviet Revolutionary Vladimir Lenin in the opening slate. While the most notable director in the Soviet Montage Movement was director Sergei Eisenstein, the chief architect of this movement was director Lev Kuleshov. The Warfare of Montage (The Battleship Potemkin). The film added momentum to the young directors burgeoning success and celebrated Eisenstein as a. This cinematic device originated during the Silent Film Era as part of a movement called the Soviet Montage Movement. Battleship Potemkin was released later the same year. As his most famous work, Battleship Potemkin, from 1925, shows, his analytical, quasi. This is what is referred to as a Montage, which is French for assembly or editing. was the Soviet director Sergei Eisenstein. Everyone who has ever seen a movie has at some point in time, seen a section of films were a series of shots that indicate actions over a span of time, usually without dialogue. A normál fül-piercingben a füllobe áttört. Ez egy nagyon nehéz piercing, ami sokkal fájdalmasabb, mint a normál fülbeillesztés. Piercing and Oral Health: A Study on the Knowledge of Risks and Complications. Mi az álmennyezet Piercing Az álmennyezet két párhuzamos furatot hoz létre a fels fülben, és egy fémsávot helyez el közöttük. These piercings typically consist of a double perforation of the upper ear cartilage specifically. doi: 10.1016/j.clindermatol.2007.05.019.Ĭovello F., Salerno C., Giovannini V., Corridore D., Ottolenghi L., Vozza I. An industrial piercing (North America), also known as a scaffold piercing (UK/Ireland) or construction piercing, is any ear piercing that consists of two pierced holes connected with a single piece of jewelry. The hole picture: Risks, decision making, purpose, regulations, and the future of body piercing. Variety of complications after auricle piercing. doi: 10.1007/s1067-1.Īrmstrong M.L., Tustin J., Owen D.C., Koch J.R., Roberts A.E. nqmd1 said: Can you post photos of Seungris industrial piercing/earrings Tq Answer: I backtracked our posts and found these pics of his industrial. A Picture is Worth One Thousand Words: Body Art in the Workplace. The efficacy of the biopierces against Staphylococcus aureus, one of the most common piercing-site pathogens, was confirmed over two weeks using in vitro antimicrobial susceptibility testing.ģD printing PLGA bacterial test biopierce drug eluting scaffolds.Įllis A.D. Piercing Location: Both scaffold piercing and the industrial piercing happen in the upper ear cartilage. Industrial Piercing: Industrial piercing is another name for scaffold piercing. Proton nuclear magnetic resonance ( 1H NMR) spectroscopy was used to confirm the complete removal of the solvent, and liquid chromatography high-resolution mass spectrometry (LC-HRMS) was used to confirm the structural integrity of mupirocin and to quantify the amount of the released drug over time. Scaffold Piercing Jewellery Industrial Barbells Scaffold Piercings UK Body Piercing Jewellery Types of Piercing Ear Piercing Jewellery Scaffold Piercing Jewellery Filters Size 1.2 x 8mm (3) 1.2 x 10mm (3) 1.6 x 8mm (3) 1.6 x 10mm (6) 1.6 x 12mm (9) 1.6 x 14mm (9) 1.6 x 16mm (8) 1.6 x 18mm (2) 1.6 x 20mm (7) 1.6 x 22mm (9) 1. Scaffold Piercing: Scaffold piercing is creating two parallel holes in the upper ear and putting a metal bar between them. Biopierces were made using mupirocin loaded poly-lactic- co-glycolic acid (PLGA) biomaterial ink, and a low-temperature 3D printing technique was used to fabricate the biopierces. Therefore, it is imperative to develop alternative methods of piercing aftercare to prevent infection. Nearly 20% of all piercings lead to local infection. This "biopierce" will stay in human tissue following piercing, and will slowly release an antimicrobial agent to prevent infection while the wound heals. Disgraced K-pop star Seungri sentenced to three years on prostitution charges By Yoonjung Seo and Jessie Yeung, CNN Updated 11:02 PM EDT, Thu AugLink Copied K-pop star indicted. Herein, novel drug-eluting, bio-absorbable scaffold intended to cover piercing studs is introduced. This entry was posted in Lobe Piercings, Piercing Portfolio, Scaffold Piercings, Septum Piercings, Vertical Lip Piercings and tagged Body Modification, Body Mods, Body Piercer, Body Piercing, Ear Lobe, Ear Lobe Piercings, El Capitan, Greenwich, Industrial, Industrial Piercing, Lobe Piercing, Lobe Piercings, London, London Body Piercing, London Piercer, London Piercing, London Town, Piercing, Piercing Portfolio, Piercings, Scaffold, Scaffold Piercing, Scaffold Piercings, SE10, Septum, Septum Piercing, Septum Piercings, Shiva Piercings, South East, South East London, South London, UK Body Piercing, UK Piercer, UK Piercing, Various, Various Piercings, Various Work, Vertical Lip, Vertical Lip Piercing, Vertical Lip Piercings. Always a continued honour and a pleasure to be trusted among the many awesome people that pass through. 136 25K views 10 years ago A scaffold piercing is an incredibly popular ear piecing that involves two holes being created at the same time along the ear rim and being connected with a straight. Scaffold, septum, ear lobes and a vertical lip all pierced Shiva. They do however, because of the exposed jewelry, are more at risk of becoming irritated by the jewelry getting bumped and hit. ago Scaffolds (Industrial piercing) are not more prone to infection then any other piercing. Here’s some great shots of Tommy’s various piercings pierced by myself. Definitions of Scaffold and Industrial Piercing: Scaffold Piercing: Scaffold piercing is creating two parallel holes in the upper ear and putting a metal bar between them. 1 8 8 comments Best Add a Comment SampleOfNone 2 mo. Laylax Zombie Special Response Team Extra Large Cool Arm Cover (Zombie Green) 56.99 51.29. Emerson Half Face Zombie Skull Mask (Zombie Tan) 18.00. Emerson Half Face Zombie Skull Mask (Zombie Green) 18.00. Download free Zombie Hunter game to play different missions in open battlegrounds. Mil-Spec Monkey Zombie Hunter Velcro Patch (Arid) 6.00. Become a true zombie hunter and kill them all!Įnjoy shooting zombies anywhere! One of the best FPS games. Survive every time shooting the best sniper rifle and prove your FPS shooter skills. Reload your sniper rifle, practice your hunter skills and start shooting for survival.Ĭan you be the best Zombie Hunter in this Apocalypse? Improve your sniper / hunter skills in a FPS mode, fight in open places and different levels in this apocalypse survival to find out the horror story from Day Zero to 180. FPS action, horror and survival mixed up in a sniper shooting game that will boost your adrenaline by being a zombie hunter. FPS (1st person shooter) survival game play.Įnjoy a zombie apocalypse classic shooter game. Survive in open apocalypse battlegrounds.Several missions of apocalypse survival action.Search from hidden spots, find zombies and kill the target before it’s too late! Hunt and kill all kinds of zombies: weak crawling undead or strong super zombies that will test your sniper skills of observation, dexterity and marksmanship in this apocalypse shooting mission. Play with your favorite weapons in this FPS zombie apocalypse survival game. Stock up your sniper armory and be the best zombie hunter, choose and upgrade weapons from sniper rifles to crossbows, bazookas, shotguns, assault rifles, revolvers or machine guns. Defend helpless victims in this zombies apocalypse by shooting undeads before they transform too! In this FPS game you need to choose the best sniper rifle, load bullets, pull the trigger to open fire and hunt down all the zombies in your way. This could be your last day on Earth so escaping your shelter and turning into a Zombie Hunter is your only hope for survival in this zombie apocalypse. Despite military lockdown, in a few hours the zombie infection outbreak reached the outside and now the living dead are rising, hunting humans to feed themselves.Īs an elite marksman sniper you have experience in shooting range and you were trained in military strategy for chaos, action and survival war games. The zombie apocalypse began after a scientist dropped a vial of virus in a secret laboratory. Zombies walk among us! You are one of the few survivors of a pandemic infection. Enjoy this survival by being a zombie hunter and killing them in a challenging first person shooter (FPS) with 3D graphics. Please note that we will follow all the laws relative to your country, and if we cannot send out an item (such as an Airsoft Gun) we will contact you via email for more information and hold the items until we are contacted.Feel the action and survive this apocalypse horror in one of the best free zombie sniper shooting games. Please note, when you receive your order the local courier company will request local TAX and any import duty owed to be paid by you before they let you have the goods. If you enter a billing or shipping address outside of the UK our system will automatically remove the UK VAT. You can easily calculate your shipping costs via the table above on this page.Īll prices are shown on this website, including UK VAT of 20% For more information about EU and international shipping, please contact us via our support team. When you place products into the Just BB Guns cart and select a country other than the UK (United Kingdom), we will calculate the shipping cost at that time. Unlike most international shipping we have you covered. Live outside of the UK, but still want Airsoft products? Don’t worry, we’ve got you covered. SHIPPING TO THE EU, INTERNATIONALLY OR TO THE REPUBLIC OF IRELAND? Preliminary results show that there is significant risk to the housing sector in the region, which is exacerbated by the lack of maintenance, and owners’ modifications of the buildings’ structural elements. The session on seismic risk sought to set the stage for this problem. Regrettably, the magnitude of this risk is not adequately quantified or understood. Unpacking the seismic risks in the housing sectorĪ major challenge in European and Central Asian countries is the seismic threat faced by certain multifamily buildings that are believed to have outlived their design lifespan, and suffer from serious deterioration and disinvestment. A key lesson from the discussion is that close collaboration between social protection and disaster risk reduction agencies is crucial to overcoming these challenges, particularly in the areas of long-term capacity building, early warning system development, and the gathering of recovery data. As Roberto Sanchez Avalos of the Mexican Ministry of Social Development elaborated, data gaps, targeting and coordination remain key challenges they continue to face in implementing PROSPERA, even over two decades after it was first launched back in 1997. The session on social protection focused on how Serbia could emulate Mexico’s example – and, by some accounts on the panel, this will be no easy feat. Managing disaster risk through social protectionīy building resilience to shocks, social protection systems are increasingly proving to be effective instruments for helping the most vulnerable prepare for and respond to disaster – perhaps no more so than in the case of Mexico and its social inclusion program (PROSPERA). There are some signs, however, that political will is building which could help surmount these obstacles, paving the way for the region to fully capitalize on emerging technologies and approaches which are facilitating real-time monitoring of hydromet hazards. While the countries of the Balkans are increasingly opening up their observational data to their peers in part due to the European Union’s flood directive, political and administrative obstacles remain which are inhibiting deeper regional cooperation, including on transboundary flood forecasting. During the session on multi-hazard early warning systems, panelists broadly agreed that a regional challenge requires a regional response that leverages the data, expertise and capacity across the region. Hydrometeorological (hydromet) hazards in the Balkans know no boundaries – last year’s scorching heatwave and the destructive flooding of 2014 put this in a stark light. The importance of regional cooperation in addressing hydromet hazards One barrier to closing this gap, which was discussed in the session, is that that governments continue to distribute post disaster subsidies and financial aid indiscriminately, thus making homeowners, farmers, SMEs and municipalities reluctant to buy insurance coverage. However, while the project has helped increase the availability of highly affordable disaster insurance products, demand has been slow to pick up, which helps explain why the disaster insurance protection gap – or the gap between insured losses and economic losses from disasters – in the Balkans remain high. The promise and potential of disaster risk insuranceĪt the session on catastrophe insurance, there was cautious optimism that the World Bank’s Southeast Europe Catastrophe Risk Insurance Facility Project (SEE CRIF), which is being implemented by Europa Re, could go far toward increasing affordable catastrophe insurance coverage for homeowners, farmers, small and medium-sized enterprises (SMEs) and municipalities in the region. UR Balkans was hosted by the Global Facility for Disaster Reduction and Recovery (GFDRR), the World Bank and the Government of Serbia, with the financial support of the European Union. In case you couldn’t make it to Belgrade, here are some of the most revealing insights and takeaways from the conference. It was against this backdrop that hundreds of experts and practitioners from the resilience and disaster risk management community, including dozens of young people, shared ideas, best practices, and lessons learned on identifying, communicating and assessing risk at Understanding Risk (UR) Balkans, the first ever gathering of the 10,000-strong UR community in the region. As extreme weather becomes the “new normal” in the Balkans, governments and communities across the region are striving to better understand the climate and disaster risks they face so that they can put in place the appropriate policies and strategies. |
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