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Rhythm Of The Clouds

Philippines - Typhoon Ondoy

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San Francisco in California, USA is the financial, cultural, and transportation centre of the San Francisco Bay Area, a region of 7.5 million people which includes San Jose and Oakland. In 1776, colonists from Spain established a fort at the Golden Gate and a mission named for Francis of Assisi on the site. The California Gold Rush of 1849 propelled the city into a period of rapid growth, increasing the population in one year from 1,000 to 25,000, and thus transforming it into the largest city on the West Coast at the time. After three-quarters of the city was destroyed by the 1906 earthquake and fire, San Francisco was quickly rebuilt, hosting the Panama-Pacific International Exposition nine years later. During World War II, San Francisco was the port of embarkation for service members shipping out to the Pacific Theater. After the war, the confluence of returning servicemen, massive immigration, liberalizing attitudes, and other factors (Vietnam) led to the Summer of Love and the gay rights movement, cementing San Francisco as a centre of liberal activism in the United States. Today, San Francisco is one of the top tourist destinations in the world, ranking 35th out of the 100 most visited cities worldwide, and is renowned for its chilly summer fog, steep rolling hills, eclectic mix of architecture, and its famous landmarks, including the Golden Gate Bridge and cable cars. The city is also a principal banking and finance centre, and the home to more than 30 international financial institutions, helping to make San Francisco rank 18th in the world's top producing cities, eighth in the United States, and twelfth place in the top twenty global financial centers. The song 'San Francisco' (Be Sure to Wear Flowers in Your Hair) is a song, written by John Phillips of The Mamas & the Papas, and sung by Scott McKenzie. It was written and released in 1967 to promote the Monterey Pop Festival. By June 1967, it commanded the number four spot on the Billboard Hot 100 in the United States. Meanwhile, the song rose to number one in the United Kingdom and most of Europe. The single is purported to have sold over 7 million copies worldwide. The song is credited with bringing thousands of young people to San Francisco, California during the late 1960s. In Central Europe, young people adopted 'San Francisco' as an anthem for freedom, and it was widely played during Czechoslovakia's 1968 Prague Spring uprising.

San Francisco ~ USA

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Baku is the capital and largest city of Azerbaijan, as well as the largest city on the Caspian Sea and of the Caucasus region. It is located on the southern shore of the Absheron Peninsula, which projects into the Caspian Sea. Baku boasts a vibrant nightlife. Many clubs that are open until dawn can be found throughout the city. Clubs with an eastern-style provide special treats from the cuisine of Azerbaijan along with local music. Western-style clubs target younger, more energetic crowds. Most of the public houses and bars are located near Fountains Square and are usually open until the early hours of the morning. Baku is home to restaurants catering to every cuisine and occasion. Restaurants range from luxurious and expensive to ordinary and affordable. In the 'Lonely Planet ~ 1000 Ultimate Experiences', Baku is placed 8th among the top 10 party cities in the world. In recent years, the success of Azerbaijani performers such as Aysel, Safura, Elnur Huseynov and Arash in Eurovision has significantly boosted the profile of the Baku music scene, prompting international attention. Following the victory of Azerbaijan's representative Eldar & Nigar at the Eurovision Song Contest 2011, Baku will host the Eurovision Song Contest 2012.

Baku ~ Azerbaijan

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The Joshua Tree National Park is located in southeastern California. Declared a U.S. National Park in 1994 when the U.S. Congress passed the California Desert Protection Act, it had previously been a U.S. National Monument since 1936. It is named for the Joshua tree forests native to the park. It covers a land area of 790,636 acres (1,235.37 sq mi; 3,199.59 km2) – an area slightly larger than the state of Rhode Island. A large part of the park, some 429,690 acres (173,890 ha), is a designated wilderness area. Straddling the San Bernardino County/Riverside County border, the park includes parts of two deserts, each an acosystem whose characteristics are determined primarily by elevation: the higher Mojave Desert and lower Colorado Desert. The Little San Bernardino Mountains run through the southwest edge of the park. There are several hiking trails within the park, many of which can be accessed from a campground. Shorter trails, such as the one mile hike through Hidden Valley, offer a chance to view the beauty of the park without straying too far into the desert. A section of the California Riding and Hiking Trail meanders for 35 miles through the western side of the park. The lookout point at Keys View, towards the south of the park, offers views of the Coachella Valley and Salton Sea.

Joshua Tree National Park ~ USA

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Banff National Park is Canada's oldest national park, established in 1885 in the Rocky Mountains. The park, located 110–180 km (68–110 mi) west of Calgary in the province of Alberta, encompasses 6,641 km2 (2,564 sq mi) of mountainous terrain, with numerous glaciers and ice fields, dense coniferous forest, and alpine landscapes. The Icefields Parkway extends from Lake Louise, connecting to Jasper National Park in the north. Provincial forests and Yoho National Park are neighbours to the west, while Kootenay National Park is located to the south and Kananaskis Country to the southeast. The main commercial centre of the park is the town of Banff, in the Bow River valley. The Canadian Pacific Railway was instrumental in Banff's early years, building the Banff Springs Hotel and Chateau Lake Louise, and attracting tourists through extensive advertising. In the early 20th century, roads were built in Banff, at times by war internees, and through Great Depression-era public works projects. Since the 1960s, park accommodations have been open all year, with annual tourism visits to Banff increasing to over 5 million in the 1990s. Millions more pass through the park on the Trans-Canada Highway. As Banff is one of the world's most visited national parks, the health of its ecosystem has been threatened. In the mid-1990s, Parks Canada responded by initiating a two-year study, which resulted in management recommendations, and new policies that aim to preserve ecological integrity.

Banff National Park ~ Canada

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Huangshan (literally 'Yellow Mountain'), is a mountain range in southern Anhui province in eastern China. The area is well known for its scenery, sunsets, peculiarly shaped granite peaks, Huangshan Pine trees, and views of the clouds from above. Huangshan is a frequent subject of traditional Chinese paintings and literature, as well as modern photography. It is a UNESCO World Heritage Site, and one of China's major tourist destinations. Having at least 140 sections open to visitors, Huangshan is a major tourist destination in China. In 2007, for instance, over 15 million tourists visited the mountain. The foot of the mountains is linked by rail and by air to Shanghai, and is also accessible from cities such as Hangzhou and Wuhu. As of 1990, there were over 50 kilometers of footpaths providing access to scenic areas for visitors and staffers of the facilities. Today there are also cable cars that tourists can use to ride directly from the base to one of the summits. Throughout the area there are hotels and guest houses that accommodate overnight visitors, many of whom hike up the mountains, spend the night at one of the peaks to view the sunrise, and then descend by a different route the next day. Huangshan is known for its stone steps, carved into the side of the mountain, of which there may be more than 60,000 throughout the area.The date at which work on the steps began is unknown, but they have been said to be over 1,500 years old. The hotels, restaurants, and other facilities at the top of the mountain are serviced and kept stocked by porters who carry resources up the mountain on foot, hanging their cargo from long poles balanced over their shoulders or backs.

Huangshan ~ China

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Organisational success today depends on effective communication and collaboration with individuals from cultures with varying beliefs and practices. Indeed, with the workforce increasingly comprised of people of varying cultural backgrounds, leaders must now prioritise the significance of cultural competence in the workplace. Ensuring cultural competence at every level of your organisation cannot be understated. While cultural disparities can manifest in different ways, as a leader, you must build deep and nuanced cultural competence skills and education to accurately spot, address and alleviate the various scenarios that can arise. Failing to recognise the importance of cultural competence or not acting to improve it can lead to cultural negligence. There are a few things to consider to ensure your organisation is on the right track. In this deck, you'll understand the importance of building cultural competence in the workplace. You'll also learn • The three (3) dimensions of Cultural Competence in the workplace • Key strategies to build a culturally competent workforce • Major benefits you stand to gain by having a culturally competent team.

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Insurance IoT is a social good! Because: 🔵 Expected losses can be reduced structured programs with both real-time mitigation actions to solve a specific situation, and behavioral change mechanisms to promote safer behaviors (both in personal and commercial lines) 🔵 Rate can be matched to risks better: - Smaller and more accurate pricing clusters allow a large part of profiles to receive a lower rate - Even with the ability to price the individual probability of loss (cluster of one) the insurance foundation isn’t canceled (The risk of each policy will contribute to the expected losses of the portfolio; The premiums paid by many lucky policyholders will be used to pay the claims of the few unlucky policyholders who had an accident in a period of coverage) 🔵 IoT data can be used to increase the effectiveness and efficiency of the claim process, so improving the combined ratio ceteris paribus ⏩ Large part of the policyholders will pay less (and portfolios currently difficult to insure will become more insurable) Insurance IoT (and telematics) is not about providing a discount Insurance IoT (and telematics) is about creating economic value using the data and sharing part of this value with policyholders (and agents & brokers) An integrated holistic adoption of the IoT paradigm is a game changer for your insurance business and a social good: ◾ it allows to improve the availability and affordability of insurance coverages ◾while allowing the sector to write a profitable business Below you can enjoy a selection of best practices in both personal and commercial lines - written with some of the IoT Insurance Observatory members - that have already started to obtain results from their IoT business transformation journeys

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