Maybe I should say: “First Ultra Walk – Done!”
Truth to be told, I actually walked most of the time which (to my surprise) resulted in third place among women. Anyways, here is the story.
This document summarizes Marge Garnero's experience with racewalking over the past 3 years. She was first introduced to it through the Leukemia Society's Team in Training program for the Honolulu Marathon in 1996. She was intrigued by the efficient style of an Olympian racewalker coach. She has since pursued racewalking lessons and joining the Marin Race Walkers club, finding it enriching both physically and psychologically. Racewalking has helped her feel stronger and taught her patience. She has also enjoyed the mental focus, competitions, and friendships involved.
The document describes a weekly 5k run event called Parkrun that takes place every Saturday morning in Lydiard Park in Swindon. It is entirely volunteer-run and free to participate in. The event attracts hundreds of runners of all ages and abilities, from casual walkers to serious competitors. Parkrun provides a supportive community for people to improve their fitness and monitor their progress in a fun, social atmosphere.
The document summarizes Andrew Smith's experience running the final leg of the 2016 Bradford Millennium Way Relay with a partner from another running club. Andrew felt drained from recent races but hoped to set his own pace. However, his partner set a fast pace that left Andrew struggling to keep up. Despite the physical challenges, Andrew pushed himself harder than he thought possible and gained a new level of respect from fellow runners for his performance.
Siva Sai participated in the Tour of Friendship 2017 cycling event in Thailand. The 5-day, 500+ km race pushed Siva to his physical limits in the heat and humidity. Each stage presented new challenges, from long solo rides to steep mountain climbs. Though exhausted each day, Siva was inspired to continue cycling and signed up for more races. He realized that overcoming the suffering during training and races is worth it to stay active and challenge himself outside of his normal work. Siva is already planning which future cycling events he will take on, showing his dedication to the sport.
The newsletter summarizes hiking and cycling events in Mumbai over the past month. It includes trip reports from hikes up Rajgad Fort and other locations. It also lists local trekking groups, cycling groups, first aid resources, and outdoor gear shops in Mumbai to help connect hikers and provide important information. The creator started the newsletter to share hiking experiences and events online with those not connected to existing groups, in order to get more people involved in trekking and cycling.
Kathleen's goal was to increase her physical activity by going for daily runs over 4 weeks to lose weight and improve her health. Her goal was to run 1.3 miles in 12 minutes by the end of the period. She tracked her progress weekly and saw improvement from 1.09 to 1.23 miles in 12 minutes, narrowly missing her target but recognizing the benefits of establishing a routine. She plans to continue running to further her progress.
The document discusses the author's experience accidentally getting into cycling through buying a used bike and discovering they had a natural endurance ability. While initially unaware, the author found they enjoyed developing cycling skills like strength and speed through regular training rides totaling over 3500 miles since 2011. Their goals are to continue the training process, focus on base miles and skills, and keep participating in long distance audaxes.
This document discusses the benefits of cycling for commuting and exercise in Bangalore. It highlights how cycling can help reduce obesity, traffic congestion, and pollution while improving health. Several individuals share their experiences losing weight and getting healthier through regular cycling. The document promotes cycling communities and events in Bangalore.
This document summarizes Marge Garnero's experience with racewalking over the past 3 years. She was first introduced to it through the Leukemia Society's Team in Training program for the Honolulu Marathon in 1996. She was intrigued by the efficient style of an Olympian racewalker coach. She has since pursued racewalking lessons and joining the Marin Race Walkers club, finding it enriching both physically and psychologically. Racewalking has helped her feel stronger and taught her patience. She has also enjoyed the mental focus, competitions, and friendships involved.
The document describes a weekly 5k run event called Parkrun that takes place every Saturday morning in Lydiard Park in Swindon. It is entirely volunteer-run and free to participate in. The event attracts hundreds of runners of all ages and abilities, from casual walkers to serious competitors. Parkrun provides a supportive community for people to improve their fitness and monitor their progress in a fun, social atmosphere.
The document summarizes Andrew Smith's experience running the final leg of the 2016 Bradford Millennium Way Relay with a partner from another running club. Andrew felt drained from recent races but hoped to set his own pace. However, his partner set a fast pace that left Andrew struggling to keep up. Despite the physical challenges, Andrew pushed himself harder than he thought possible and gained a new level of respect from fellow runners for his performance.
Siva Sai participated in the Tour of Friendship 2017 cycling event in Thailand. The 5-day, 500+ km race pushed Siva to his physical limits in the heat and humidity. Each stage presented new challenges, from long solo rides to steep mountain climbs. Though exhausted each day, Siva was inspired to continue cycling and signed up for more races. He realized that overcoming the suffering during training and races is worth it to stay active and challenge himself outside of his normal work. Siva is already planning which future cycling events he will take on, showing his dedication to the sport.
The newsletter summarizes hiking and cycling events in Mumbai over the past month. It includes trip reports from hikes up Rajgad Fort and other locations. It also lists local trekking groups, cycling groups, first aid resources, and outdoor gear shops in Mumbai to help connect hikers and provide important information. The creator started the newsletter to share hiking experiences and events online with those not connected to existing groups, in order to get more people involved in trekking and cycling.
Kathleen's goal was to increase her physical activity by going for daily runs over 4 weeks to lose weight and improve her health. Her goal was to run 1.3 miles in 12 minutes by the end of the period. She tracked her progress weekly and saw improvement from 1.09 to 1.23 miles in 12 minutes, narrowly missing her target but recognizing the benefits of establishing a routine. She plans to continue running to further her progress.
The document discusses the author's experience accidentally getting into cycling through buying a used bike and discovering they had a natural endurance ability. While initially unaware, the author found they enjoyed developing cycling skills like strength and speed through regular training rides totaling over 3500 miles since 2011. Their goals are to continue the training process, focus on base miles and skills, and keep participating in long distance audaxes.
This document discusses the benefits of cycling for commuting and exercise in Bangalore. It highlights how cycling can help reduce obesity, traffic congestion, and pollution while improving health. Several individuals share their experiences losing weight and getting healthier through regular cycling. The document promotes cycling communities and events in Bangalore.
Risk Management in Banks - Overview (May 2024)Kristi Rohtsalu
Risk is at the heart of banking – and so is risk management. In a regulated bank, it is crucial to take a holistic view, including economic and normative perspectives. This material gives an overview of enterprise risk management in banks; specifics by risk type – credit risk, market risk, operational risk, liquidity risk, and other relevant risks – are not discussed here.
See on minu Patagoonia reisikirja terviktekst. Sama reisi slaidid leiab siit: https://www.slideshare.net/slideshow/patagoonia-avastamise-retk-veebruarismrtsis-2024/266955843
The AltFi Lending Summit 2023 focused on the following key themes:
- The macro-credit environment is resilient yet consumers and businesses face financial squeezes.
- Artificial intelligence, automation, and digitalization are being used to make better use of data for risk assessment, fraud detection, and client relationships.
- Profitability has become a priority for fintech companies in the current economic environment.
- Strategic partnerships and acquisitions are helping companies expand their capabilities.
- Regulation and rising interest rates present challenges that companies are working to address through technology and new business strategies.
This travel journal is about my 2023 summer trip to Georgia, the country at the intersection of Europe and Asia.
The one word I would use to describe Georgia is DIVERSE. I still wonder how much variety I did experience while visiting just this one country. It was familiar and unfamiliar. There were mountains and sea and almost desert-like areas. I could see sights from different eras and meet people with different attitudes. Of course, there were common denominators, too – like cows on the roads.
My approach was this: where I can reasonably walk, there I walk – and where I cannot, I use budget-friendly transportation.
Here are some memorable moments:
• Standing hand-in-hand with strangers in the strong current of the ice-cold river originating from the nearby glacier
• Breaking my record of meters climbed during one day
• Marshrutka adventures, including ‘party bus’ and ‘rally bus’
• Feeling like a competitive eater facing the next food challenge
• Getting through hostile bushes – I have never been this scratched before!
• Confronting ‘Georgian gorillas’ in the corridor
• Major water outage: kneeing to get some water from the half-empty fountain in the central square of Mtskheta
• All lights going off in Gori; sirens and people with lamps behind my hotel room’s window
• Bokneti rural experience, including a broken bathroom and getting to know someone who knew about the Estonian start-up community more than me on these days
• Climbing up to the walls of Ananuri Fortress
Yeah. Most memorable moments are often unplanned challenges.
Gruusia on väga mitmekesine maa. Siin on piltides minu 2023. aasta suvetripp sinna - midagi igast päevast.
Leia reisi videoblogi YouTube's siin: https://www.youtube.com/playlist?list=PLk3KJWs0RSoc5CorTcYp1VjR7s19v-wlC
Minu Bali Reisi Päevikud (Veebruar-Märts 2023)Kristi Rohtsalu
Reisipäevikutes oma esimeselt reisilt Jumalate Saareks ja Tuhande Templi Saareks nimetatud Balile jutustan ja illustreerin fotodega päev päeva kaupa, kuidas seda nö paradiisisaart otsast avastasin ja kogesin. Lõpuks teen väikese kokkuvõtte: algne ettekujutus ja tegelikkus. Mitte, et ma Baliga nüüd kuu aja jooksul päriselt tuttavaks sain – ikka esmamulje põhjal ning läbi inimese perspektiivi, kellele meeldib kõndida.
***
Hetki:
[…] Aga ei: turvavööde kinnitamist nõudvad tulukesed olid kustus. Küll aga jätkusid mulle seni tundmatud häiresignaalid ning lennuki laes istete kohal sähvisid kõrvuti punased ja rohelised valgused. […]
[…] Vasakut ja paremat kätt jäi nüüd paras väike džungel ning… umbes kümme meetrit minust eespool läks rahulikult üle tee ligi meetri pikkune ja korraliku käsivarre jämedune krokodilli-laadne elukas. […]
[…] Pandi maha, näidati, millisest uksest sisse minna… Ja sõidutamise eest mingit tasu ei küsitudki! Kui tänamiseks ümber pöörasis, oli mees rolleriga juba kadunud – oli lihtsalt mulle teene teinud. […]
[…] Tumepunastes religioossetes riietes meesterahvad istusid ’laval’ ja ’esinesid’. Vähemasti ma arvasin, et see oli lava ja et nad esinesid. Kuidas ma eksisin! […]
[…] Jällegi ‘kleepis’ ennast minu kõrvale üks suhteliselt tüütu rolleriga meeskodanik. Seletas, et tahab mind aidata: viib Sampalani ära. Vastasin, et Sampalani on jäänud alla viie kilomeetri ja ma TAHAN ise kõndida. […]
[…] Ronisin kusagile üles ja astusin lukustamata klaasuksest sisse. Tundus, nagu olnuksin sattunud mingi parajasti asustamata luksusliku ruumi või sviidi rõdule; pimedas ei saanud täpselt aru. Seal leidus võrkkiik, milles tükk aega varbaid sirutasin. Õhtu oli soe, ent mitte palav. Lihtsalt mõnus oli niimoodi olla ja mitte midagi teha. […]
[…] Olin selleks ajaks juba piisavalt palju turninud ja ekselnud; otsustasin, et nüüd küll on aeg ots ümber pöörata ning tuldud teed mööda tagasi minna. Nii lihtne see küll ei olnud! Need rajakesed ajasid kohutavalt segadusse. […]
[…] Meil vedas: nägime lausa kahte suurt kilpkonna päris lähedalt. Nägime kohe nii lähedalt, et kellelgi meie pundist õnnestus ühte neist kogemata riivata. […]
[…] „Mis siin toimub?“ imestasin hiljem õhtul kolmveerand kuue paiku oma villa lähedal asuvasse Kedungu Beach’i nimelisse randa jalutades.
Rannaeelne parkimisala oli tihedalt täis rollereid, inimesi, igasugu söögi- ja joogiputkasid… […]
[…] Turnisin väheke mööda templi serva ehitatud treppi ja… Uugh, seal sebis ringi korralik trobikond suuri musti skorpione! […]
Lenders find themselves in a challenging new post-pandemic economic environment, battling both rising rates and soaring inflation. While consumer lending faces headwinds, there is still growth and innovation. Keywords from the AltFi lending Summit 2022 were revenue-based lending, green finance and buy now pay later for business, but also new lending innovations.
Innovating through the slowdown. 3 November 2022, London – In-Person. These are my notes from the event.
Rännates Alpides ja vahemerelises Euroopas suvel 2022Kristi Rohtsalu
Auring Mont Blanc’ile (omal moel), suvised suusakuurortid peamiselt Prantsuse Alpides, pikad ja kuumad päevad teel rannaväravasse, vein ja viinamarjad vahemerelisel Lõuna-Prantsusmaal, Costa Brava, Barcelona ning puhkamine puhkusest Mallorca saarel... Sellesse umbes 1,500 kilomeetri pikkusse ning paarikümmet tuhandet tõusumeetrit sisaldavasse ligi kolme kuu pikkusse suvereisi mahtus üht-koma-teist.
Kummalised lauakombed ja mõistatuslik laud ühele; torm Alpides; üle aia ronimised ja keelumärkidest üleastumised; sekeldused Intermarché turvameestega; mustad pullid; rallivõistluse boksipeatusse eksimine; puslepildi vaated; Déjà vu; mind kangesti aidata soovinud prantsuse proua; Kõigi Kadunud Asjade Maale pagev hotelli uksekaart; kogemata minu kaamera ette jäänud UFO/UAP; pilliroopadrikust välja karanud aadamaülikonnas hipi; kohalikud ratturid peatamas mind alla hüppamise katsel (ja ei, ma ei kavatsenud sooritada enesetappu 😉); rõõm väikestest asjadest; mäed, higistamine, rannad...
Tegin ka jooksvat videoblogi: https://www.youtube.com/playlist?list=PLk3KJWs0RSoewLNoNM5SNRKHPd-wXXZz2
Notes from AltFi Festival of Finance 2022 in LondonKristi Rohtsalu
AltFi Festival of Finance 2022 was a two-day in-person extravaganza exploring innovation in fintech, banking, and lending in the UK and across Europe. About 60 speakers and 300 attendees were present at the prestigious Park Plaza London Riverbank. These are my notes and takeaways from the event.
Here are the keywords:
Trust, ESG,
Cost of living crisis, Post-COVID, Supporting Ukraine & Ukrainian refugees
30+ banking licenses issued in UK over the last few years, huge investment rounds in FinTech
Payments, BNLP & BNLP 2.0, Challenger Credit Cards, Embedded Finance
Open Banking , Open Finance
High Net Worth Neobanking
Crypto & Web3, Metaverse
FinTech advice to the incumbent banks
Hybrid working and remote working
HR, international talent and four-day workweek
On 11 February 2022 I packed my stuff, passed mandatory COVID procedures – COVID testing, electronic forms, Lufthansa document check – and checked in to my flight. Outside, the temperature was 1°C; it was wet and slippery. New COVID cases in Estonia were skyrocketing. I was heading to Gran Canaria, the place that I had picked for my next winter office.
[…]
After the sleepless night I spent most of the flying time sleeping. At my arrival to Estonia, the spring was just about to begin. It was March 20th. There sky was cloudless. I had never had such a clear view to my home country…
***
This is my diary about the life in between: Winter Office in Gran Canaria, February-March2022.
“I am always here to help you” host in La Aldea de San Nicolás…
Explosion of the egg…
Mystical disappearance of the motorcyclists near Andén Verde…
The story of broken lock in Maspalomas…
Touching Roque Nublo…
“Pilgrimage” to Teror…
“Can I ask you a personal question? Aren’t you afraid?”
The most beautiful sunset I have ever seen…
They got a wild ride. I found my adventures and restored my inner balance…
Tallataksoga Lõuna-Saksamaa, otsaga Austrias – reisipäevikuid suvest 2021 Kristi Rohtsalu
Mõned märksõnad minu suvistest rännakutest Lõuna-Saksamaal ning otsapidi Austrias:
Odenwald ja Schwarzwald e Must Mets; Konstanz’i järv e Bodensee; Baieri Alpid; Romantiline Tänav.
60+ päeva teel; 1,390 kilomeetrit astumist.
Maalilised varahommikud, kuldsed viljapõllud, mägised vaated ja panoraamid; katkematu lehmakellade kolin (või helin) ja sagedased kirikukellade löögid.
Krimpslikud ploomid, maisitõlvikud ja viinamarjad.
Matkarajad ja puhkeonnid; ’lebotoolid’ ja porimülkad.
Muinasjutumetsad ja -majad; keskaegsete kindluste varemed ja uhked lossid; tipud ja kuristikud.
Palavad päevad ja kuumalaine hoiatus; pidev vihm, üleujutuste ja maalihete hoiatus; äike, mis hoiab öö välgusähvatustest valgena.
Rõõmsad kokkusattumised. Sekeldused hotelliarvetega.
Teele asumised ja kohalejõudmised – ning aeg seal vahepeal.
Nüüd on see tehtud. Minu suvereis 2021 on tehtud. Oma reisipäevikus räägin kõigest põhjalikult, päev päeva kaupa.
The document summarizes key discussions and themes from The AltFi Festival of Finance 2020 virtual conference.
The conference covered the impacts of COVID-19 on fintech and alternative finance sectors. Lending platforms discussed navigating an overwhelming number of applications while continuing or pausing lending. Open banking was a major topic as a solution for financial challenges. Leaders emphasized adapting to change, supporting economic recovery, and delivering better customer experiences. Future prospects focused on digital transformation accelerating due to COVID, open banking and APIs powering innovation, and financial inclusion gaining traction.
This document discusses consistent implementation of credit risk models for regulatory capital requirements (IRB models) and expected credit loss estimates (IFRS 9 models). While many banks derived IFRS 9 parameters from existing IRB models, this led to unnecessary complexity and inconsistencies. The document recommends developing both types of models together from scratch based on the same data and modeling approaches. This would result in more holistic, consistent, and efficient credit risk modeling where the models share a common basement but have different outputs tailored for regulatory capital versus impairment calculations.
Kristi spent two days exploring Oslo, Norway's capital city. On the first day, she went on a 20km walk, seeing sights like the Ekeberg Sculpture Park with its unusual sculptures. She enjoyed the views of Oslo from the harbor promenade. The next day, she visited the Vigeland Sculpture Park, known for its many nude human figures in various poses. She also went to the Viking Ship Museum to learn about Norway's Viking history. While in Oslo, she noticed fewer tourists than usual due to the COVID-19 pandemic.
Baltic coastal hiking 2020 from Tallinn to RigaKristi Rohtsalu
The summer came different this year (2020). I had to change my original travel plans, take a backpack and get going (walking) from the doorstep of my home, literally so... That's the story of my walk from the capital of Estonia to the capital of Latvia.
The document summarizes notes from the AltFi Berlin Summit 2019 exploring scaling up European fintech. Key discussions included how open banking can become an industry standard connecting customers to specialized products, the challenges of alternative lending in Germany including a slower regulatory environment and lack of data access compared to the UK, and insights from Klarna on being Europe's most valuable fintech with a $5.5 billion valuation through focusing on the customer experience. Regulators need to keep up with digital finance innovation was also discussed.
My notes from the event that discussed the trend of FinTechs moving into the public markets
The event page: https://www.altfi.com/events/altfi-fintech-investor-forum
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Risk Management in Banks - Overview (May 2024)Kristi Rohtsalu
Risk is at the heart of banking – and so is risk management. In a regulated bank, it is crucial to take a holistic view, including economic and normative perspectives. This material gives an overview of enterprise risk management in banks; specifics by risk type – credit risk, market risk, operational risk, liquidity risk, and other relevant risks – are not discussed here.
See on minu Patagoonia reisikirja terviktekst. Sama reisi slaidid leiab siit: https://www.slideshare.net/slideshow/patagoonia-avastamise-retk-veebruarismrtsis-2024/266955843
The AltFi Lending Summit 2023 focused on the following key themes:
- The macro-credit environment is resilient yet consumers and businesses face financial squeezes.
- Artificial intelligence, automation, and digitalization are being used to make better use of data for risk assessment, fraud detection, and client relationships.
- Profitability has become a priority for fintech companies in the current economic environment.
- Strategic partnerships and acquisitions are helping companies expand their capabilities.
- Regulation and rising interest rates present challenges that companies are working to address through technology and new business strategies.
This travel journal is about my 2023 summer trip to Georgia, the country at the intersection of Europe and Asia.
The one word I would use to describe Georgia is DIVERSE. I still wonder how much variety I did experience while visiting just this one country. It was familiar and unfamiliar. There were mountains and sea and almost desert-like areas. I could see sights from different eras and meet people with different attitudes. Of course, there were common denominators, too – like cows on the roads.
My approach was this: where I can reasonably walk, there I walk – and where I cannot, I use budget-friendly transportation.
Here are some memorable moments:
• Standing hand-in-hand with strangers in the strong current of the ice-cold river originating from the nearby glacier
• Breaking my record of meters climbed during one day
• Marshrutka adventures, including ‘party bus’ and ‘rally bus’
• Feeling like a competitive eater facing the next food challenge
• Getting through hostile bushes – I have never been this scratched before!
• Confronting ‘Georgian gorillas’ in the corridor
• Major water outage: kneeing to get some water from the half-empty fountain in the central square of Mtskheta
• All lights going off in Gori; sirens and people with lamps behind my hotel room’s window
• Bokneti rural experience, including a broken bathroom and getting to know someone who knew about the Estonian start-up community more than me on these days
• Climbing up to the walls of Ananuri Fortress
Yeah. Most memorable moments are often unplanned challenges.
Gruusia on väga mitmekesine maa. Siin on piltides minu 2023. aasta suvetripp sinna - midagi igast päevast.
Leia reisi videoblogi YouTube's siin: https://www.youtube.com/playlist?list=PLk3KJWs0RSoc5CorTcYp1VjR7s19v-wlC
Minu Bali Reisi Päevikud (Veebruar-Märts 2023)Kristi Rohtsalu
Reisipäevikutes oma esimeselt reisilt Jumalate Saareks ja Tuhande Templi Saareks nimetatud Balile jutustan ja illustreerin fotodega päev päeva kaupa, kuidas seda nö paradiisisaart otsast avastasin ja kogesin. Lõpuks teen väikese kokkuvõtte: algne ettekujutus ja tegelikkus. Mitte, et ma Baliga nüüd kuu aja jooksul päriselt tuttavaks sain – ikka esmamulje põhjal ning läbi inimese perspektiivi, kellele meeldib kõndida.
***
Hetki:
[…] Aga ei: turvavööde kinnitamist nõudvad tulukesed olid kustus. Küll aga jätkusid mulle seni tundmatud häiresignaalid ning lennuki laes istete kohal sähvisid kõrvuti punased ja rohelised valgused. […]
[…] Vasakut ja paremat kätt jäi nüüd paras väike džungel ning… umbes kümme meetrit minust eespool läks rahulikult üle tee ligi meetri pikkune ja korraliku käsivarre jämedune krokodilli-laadne elukas. […]
[…] Pandi maha, näidati, millisest uksest sisse minna… Ja sõidutamise eest mingit tasu ei küsitudki! Kui tänamiseks ümber pöörasis, oli mees rolleriga juba kadunud – oli lihtsalt mulle teene teinud. […]
[…] Tumepunastes religioossetes riietes meesterahvad istusid ’laval’ ja ’esinesid’. Vähemasti ma arvasin, et see oli lava ja et nad esinesid. Kuidas ma eksisin! […]
[…] Jällegi ‘kleepis’ ennast minu kõrvale üks suhteliselt tüütu rolleriga meeskodanik. Seletas, et tahab mind aidata: viib Sampalani ära. Vastasin, et Sampalani on jäänud alla viie kilomeetri ja ma TAHAN ise kõndida. […]
[…] Ronisin kusagile üles ja astusin lukustamata klaasuksest sisse. Tundus, nagu olnuksin sattunud mingi parajasti asustamata luksusliku ruumi või sviidi rõdule; pimedas ei saanud täpselt aru. Seal leidus võrkkiik, milles tükk aega varbaid sirutasin. Õhtu oli soe, ent mitte palav. Lihtsalt mõnus oli niimoodi olla ja mitte midagi teha. […]
[…] Olin selleks ajaks juba piisavalt palju turninud ja ekselnud; otsustasin, et nüüd küll on aeg ots ümber pöörata ning tuldud teed mööda tagasi minna. Nii lihtne see küll ei olnud! Need rajakesed ajasid kohutavalt segadusse. […]
[…] Meil vedas: nägime lausa kahte suurt kilpkonna päris lähedalt. Nägime kohe nii lähedalt, et kellelgi meie pundist õnnestus ühte neist kogemata riivata. […]
[…] „Mis siin toimub?“ imestasin hiljem õhtul kolmveerand kuue paiku oma villa lähedal asuvasse Kedungu Beach’i nimelisse randa jalutades.
Rannaeelne parkimisala oli tihedalt täis rollereid, inimesi, igasugu söögi- ja joogiputkasid… […]
[…] Turnisin väheke mööda templi serva ehitatud treppi ja… Uugh, seal sebis ringi korralik trobikond suuri musti skorpione! […]
Lenders find themselves in a challenging new post-pandemic economic environment, battling both rising rates and soaring inflation. While consumer lending faces headwinds, there is still growth and innovation. Keywords from the AltFi lending Summit 2022 were revenue-based lending, green finance and buy now pay later for business, but also new lending innovations.
Innovating through the slowdown. 3 November 2022, London – In-Person. These are my notes from the event.
Rännates Alpides ja vahemerelises Euroopas suvel 2022Kristi Rohtsalu
Auring Mont Blanc’ile (omal moel), suvised suusakuurortid peamiselt Prantsuse Alpides, pikad ja kuumad päevad teel rannaväravasse, vein ja viinamarjad vahemerelisel Lõuna-Prantsusmaal, Costa Brava, Barcelona ning puhkamine puhkusest Mallorca saarel... Sellesse umbes 1,500 kilomeetri pikkusse ning paarikümmet tuhandet tõusumeetrit sisaldavasse ligi kolme kuu pikkusse suvereisi mahtus üht-koma-teist.
Kummalised lauakombed ja mõistatuslik laud ühele; torm Alpides; üle aia ronimised ja keelumärkidest üleastumised; sekeldused Intermarché turvameestega; mustad pullid; rallivõistluse boksipeatusse eksimine; puslepildi vaated; Déjà vu; mind kangesti aidata soovinud prantsuse proua; Kõigi Kadunud Asjade Maale pagev hotelli uksekaart; kogemata minu kaamera ette jäänud UFO/UAP; pilliroopadrikust välja karanud aadamaülikonnas hipi; kohalikud ratturid peatamas mind alla hüppamise katsel (ja ei, ma ei kavatsenud sooritada enesetappu 😉); rõõm väikestest asjadest; mäed, higistamine, rannad...
Tegin ka jooksvat videoblogi: https://www.youtube.com/playlist?list=PLk3KJWs0RSoewLNoNM5SNRKHPd-wXXZz2
Notes from AltFi Festival of Finance 2022 in LondonKristi Rohtsalu
AltFi Festival of Finance 2022 was a two-day in-person extravaganza exploring innovation in fintech, banking, and lending in the UK and across Europe. About 60 speakers and 300 attendees were present at the prestigious Park Plaza London Riverbank. These are my notes and takeaways from the event.
Here are the keywords:
Trust, ESG,
Cost of living crisis, Post-COVID, Supporting Ukraine & Ukrainian refugees
30+ banking licenses issued in UK over the last few years, huge investment rounds in FinTech
Payments, BNLP & BNLP 2.0, Challenger Credit Cards, Embedded Finance
Open Banking , Open Finance
High Net Worth Neobanking
Crypto & Web3, Metaverse
FinTech advice to the incumbent banks
Hybrid working and remote working
HR, international talent and four-day workweek
On 11 February 2022 I packed my stuff, passed mandatory COVID procedures – COVID testing, electronic forms, Lufthansa document check – and checked in to my flight. Outside, the temperature was 1°C; it was wet and slippery. New COVID cases in Estonia were skyrocketing. I was heading to Gran Canaria, the place that I had picked for my next winter office.
[…]
After the sleepless night I spent most of the flying time sleeping. At my arrival to Estonia, the spring was just about to begin. It was March 20th. There sky was cloudless. I had never had such a clear view to my home country…
***
This is my diary about the life in between: Winter Office in Gran Canaria, February-March2022.
“I am always here to help you” host in La Aldea de San Nicolás…
Explosion of the egg…
Mystical disappearance of the motorcyclists near Andén Verde…
The story of broken lock in Maspalomas…
Touching Roque Nublo…
“Pilgrimage” to Teror…
“Can I ask you a personal question? Aren’t you afraid?”
The most beautiful sunset I have ever seen…
They got a wild ride. I found my adventures and restored my inner balance…
Tallataksoga Lõuna-Saksamaa, otsaga Austrias – reisipäevikuid suvest 2021 Kristi Rohtsalu
Mõned märksõnad minu suvistest rännakutest Lõuna-Saksamaal ning otsapidi Austrias:
Odenwald ja Schwarzwald e Must Mets; Konstanz’i järv e Bodensee; Baieri Alpid; Romantiline Tänav.
60+ päeva teel; 1,390 kilomeetrit astumist.
Maalilised varahommikud, kuldsed viljapõllud, mägised vaated ja panoraamid; katkematu lehmakellade kolin (või helin) ja sagedased kirikukellade löögid.
Krimpslikud ploomid, maisitõlvikud ja viinamarjad.
Matkarajad ja puhkeonnid; ’lebotoolid’ ja porimülkad.
Muinasjutumetsad ja -majad; keskaegsete kindluste varemed ja uhked lossid; tipud ja kuristikud.
Palavad päevad ja kuumalaine hoiatus; pidev vihm, üleujutuste ja maalihete hoiatus; äike, mis hoiab öö välgusähvatustest valgena.
Rõõmsad kokkusattumised. Sekeldused hotelliarvetega.
Teele asumised ja kohalejõudmised – ning aeg seal vahepeal.
Nüüd on see tehtud. Minu suvereis 2021 on tehtud. Oma reisipäevikus räägin kõigest põhjalikult, päev päeva kaupa.
The document summarizes key discussions and themes from The AltFi Festival of Finance 2020 virtual conference.
The conference covered the impacts of COVID-19 on fintech and alternative finance sectors. Lending platforms discussed navigating an overwhelming number of applications while continuing or pausing lending. Open banking was a major topic as a solution for financial challenges. Leaders emphasized adapting to change, supporting economic recovery, and delivering better customer experiences. Future prospects focused on digital transformation accelerating due to COVID, open banking and APIs powering innovation, and financial inclusion gaining traction.
This document discusses consistent implementation of credit risk models for regulatory capital requirements (IRB models) and expected credit loss estimates (IFRS 9 models). While many banks derived IFRS 9 parameters from existing IRB models, this led to unnecessary complexity and inconsistencies. The document recommends developing both types of models together from scratch based on the same data and modeling approaches. This would result in more holistic, consistent, and efficient credit risk modeling where the models share a common basement but have different outputs tailored for regulatory capital versus impairment calculations.
Kristi spent two days exploring Oslo, Norway's capital city. On the first day, she went on a 20km walk, seeing sights like the Ekeberg Sculpture Park with its unusual sculptures. She enjoyed the views of Oslo from the harbor promenade. The next day, she visited the Vigeland Sculpture Park, known for its many nude human figures in various poses. She also went to the Viking Ship Museum to learn about Norway's Viking history. While in Oslo, she noticed fewer tourists than usual due to the COVID-19 pandemic.
Baltic coastal hiking 2020 from Tallinn to RigaKristi Rohtsalu
The summer came different this year (2020). I had to change my original travel plans, take a backpack and get going (walking) from the doorstep of my home, literally so... That's the story of my walk from the capital of Estonia to the capital of Latvia.
The document summarizes notes from the AltFi Berlin Summit 2019 exploring scaling up European fintech. Key discussions included how open banking can become an industry standard connecting customers to specialized products, the challenges of alternative lending in Germany including a slower regulatory environment and lack of data access compared to the UK, and insights from Klarna on being Europe's most valuable fintech with a $5.5 billion valuation through focusing on the customer experience. Regulators need to keep up with digital finance innovation was also discussed.
My notes from the event that discussed the trend of FinTechs moving into the public markets
The event page: https://www.altfi.com/events/altfi-fintech-investor-forum
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The Golden Group is over. Can a new group step up? Two years ago, Kevin De Bruyne plunged Belgium’s Euro 2024 plans into disorder when he claimed the team was “too old” to win in an interview with The Protector. That Belgian squad had 10 players over 30 and the maximum average age of any Euro Cup 2024 team at the competition. A group-stage exit and just one goal at the World Cup put Belgium on course for a restructure.
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Coach Domenico Tedesco has managed a tactical shakeup and a regular exit for some of the oldest players. Experienced bests remain, not least the 37-year-old Jan Vertonghen in defense, the 32-year-old De Bruyne himself in midfield, and 31-year-old Romelu Lukaku up visible.
Still, younger actors like De Bruyne’s Manchester City partner Jeremy Doku bring fresh vitality to the team. Euro Cup Germany Qualifying unbeaten with just four goals allowed from eight games was a welcome sign of accomplishment back on track under Tedesco.
The only other squad in Group E besides Belgium to UEFA Euro 2024 qualify unbeaten, Romania was awestruck by winning a group that also checked Switzerland and Israel. Still, Euro 2024 will test a squad sorely lacking in top-level skill.
Euro 2024: Belgium's Transition from Golden Generation to New Hope
Tottenham guardian Vlad Dragusin is the only Euro Cup 2024 squad member singing regularly for one of Europe’s top clubs this flavor. He even played only nine Premier League games since adoption in January. Goalkeeper Horatiu Moldovan is a stoppage at Atletico Madrid.
There’s a link to the beauty days of Romanian soccer with midfielder Ianis Hagi, son of Gheorghe Hagi, who assisted the team to the rounds of the 1994 World Cup and Euro 2000.
We are only a combine of days away from the UEFA Euro 2024 curtain raiser. The 24 squads are winding up their provisions and getting ready to give it their all to life the wanted Euro Cup Final trophy on July 14. Spread across six clusters, the first hurdle in the knockout phase will be the plump of 16.
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Germany and Scotland will take things off before we get into overdrive in two weeks. Meanwhile, Belgium will be longing to bounce back after a horrendous 2022 FIFA World Cup movement, which ended in the group stage.
Belgium vs Romania Tickets | Euro Cup 2024 Tickets | Euro Cup Tickets | Euro Cup Final Tickets
Roberto Martinez completed the way for Domenico Tedesco, who has overseen a compact start to his tenure. The 38-year-old will be assured heading into the group stage
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Here are our Euro 2024 predictions for the group stages
Will England make it through the group stages?, Will Germany use the home advantage to full effect?
Follow our progress, see how many we get right
If you want to join in let us know before the first game kick off and we can invite you to our private league
or join in with our friends at DeeperThanBlue
https://www.linkedin.com/posts/activity-7204868572995538944-qejG
https://www.selectdistinct.co.uk/2024/06/13/euro-2024-match-predictions/
#EURO2024 #Germany2024 #England #EURO2024predictions
1. 1
First Ultra Run – Done!
Kristi Rohtsalu, 13 June 2017
Maybe I should say: “First Ultra Walk – Done!”
Truth to be told, I actually walked most of the time which (to my surprise) resulted in third place
among women. Anyways, here is the story.
…
10-11 June 2017 was The Weekend of this year’s Laulasmaa Ultra, the longest distance running
and walking event held in Estonia.
How I came to it?
I don’t consider myself as an athlete or anything; I simply like walking and Sunday jogging.
My dad, who has been practicing ultra-running as a hobby for quite a while, talked me and my
brother Martin to participate:
“There needs to be three participants to form a team. We can get a family team! You know what
is good about ultra-running: you don’t need to run. It’s not a contest of speed; it’s a contest of
endurance, calculation and willpower. Think how many kilometres you can pass by just walking?
If you say ‘yes’ by April, you can participate in choosing the team name. You’d get 10 euros
discount…”
That was back in February. I took a while for reconsideration. At some point, I found myself
calculating in my head something like:
“One half marathon slight jogging, three laps walking, one lap somehow... Pretty sure, I could
make 100 km… It would be a new record for me (in terms of the longest distance on foot non-
stop). 125 km would be a great result… I can ‘sacrifice’ that one weekend, after all – and a week
after that for recovery.”
I replied: “The more I think about it, the more I like the idea of trying out. So, yes.”
The team name became FK 400+, an abbreviated combination of each one’s name suggestions:
a) ‘Kulgurid’ (“Sounds like “Kolm vanderselli vallatut,” I joked. “Yes, but the carriage you may
leave home,” my dad promised a bit easier walk.),
b) ‘Fantastiline 3+’ (‘3’ referring to the number of team members, and ‘+’ leaving an option for
someone else to join us later, just for the case),
c) ‘400+’ (Clearly, Martin was already counting kilometres.).
2. 2
Briefly about the race
The race takes place every year in Laulasmaa, a summertime hot-spot located just 30 km west
of the Estonian capital city, Tallinn.
Laulasmaa Ultra 2017: The track
The track is opened for a total of 32 hours. There is possibility to start and finish anytime during
this timeframe.
Maximum length of the track is 10 x 21,1 km laps aka 5 full length marathons aka 211 km.
Minimum distance is one 21,1 km lap. Counted are all full laps and possible 3 consolation laps
3,0 km each.
Winner is the one who runs (and/or walks) the longest distance within the given time frame, that
is within 32 hours. If two or more runners pass equal distance, the fastest wins.
Teams consisting of 3-6 participants generate a team result from the 3 best results. Teams are
divided in three categories: women's, men's and mixed. Mixed team result is the sum of three
best results where at least one is of opposite sex. All team members participate in the individual
line up as well.
More info can be found here: http://www.estonian-ultrarunners.com/?language=en
3. 3
Training
I did not do any special training. Nothing at all. Only what I had done with or without the prospect
of an ultra anyways, that is jogging 10-15 km and sometimes slightly more on Saturdays and
Sundays, and climbing up the stairs to the office on 19th
floor.
On May 22, my dad sent out a reminder: three weeks remaining to Laulasmaa Ultra! It’s time to
start taking it slowly: on trainings 7 min/km maximum. From June 5th
onwards forget running
altogether. Then he added a side remark that he himself is going to err a bit on this, for a weekly
foot orienteering.
I replaced my weekend runs with the weekend walks at once after having received the note, while
effectively turning out as the only one who actually followed the rules 😊. It paid off.
Preparations: My checklist
• Buying new running shoes that would suit for the occasion, and taking them into regular use
just to make sure that they are comfortable enough.
• Buying three pairs of running socks, two pairs for the change on race.
• Buying new batteries to the headlamp; the nights are short in summer, but one would still
need the lamp for a couple of hours.
• Buying a raincoat for the case it starts raining.
• Buying a pack of plasters (that I, in fact, only needed after finishing).
• Buying glucose troches as a moral support (in fact, I did not use them).
• Buying two bags of M&M’s, 90 grams each (for me, this chocolate in sugar & colour works
incredibly well during long walks).
• Consuming two small tubes of some sort of food supplement ‘Magnesium +B6’, maybe good
for preventing muscle stiffness.
• Ensuring one free day from work before and a couple of free days after the run, for mental
preparation before and for recovery (and for writing this article) after.
• Taking good mood with me.
“Leave speed home,” was one of the dad’s last instructions before the start.
“No problem,” I thought. “As if I had any to take!”
Getting started
Martin picked me up on Saturday morning at 8:45. The start in Laulasmaa was scheduled to
10:00. It was a beautiful, practically windless sunny day; the temperature was about +19 degrees.
4. 4
“I feel like an office rat who just came to think ‘let’s run an
ultra’,” I noted during the drive.
“Indeed, there is little feeling of a competition,” Martin
replied. “Go to the race whenever you want!”
At that point, I did not have any specific plans or strategy
whatsoever in mind, only vague goals of 100 km being ok
result, 125 km being fairly good result and 150 km being
aggressive, theoretically possible achievement.
In the start, we were given numbers, chips (yes, every
participant was microchipped) and dedicated T-shirts.
“After the run, you can mark your distance on the back,”
came instruction from the organizers about the later.
As it was warm, I changed my own old black T-shirt to the
new fluorescent yellow. My bag found a place in a green tent meant for the runners to leave their
stuff.
We took some pictures before the start, when
still looking fresh and full of energy. Ready to
start. There was no need to warm up. The race
was long enough and slow enough for this.
“Three minutes left to start,” invited the
announcement everyone to gather.
No ‘big bang’ for the start, no scrambling in the
start. Just about 60 runners and fairly modest
pace to start with.
The first two laps, that is: the first marathon
The first marathon was pretty easy. I decidedly walked all of the ascents (the sum of accents per
one 21.1 km lap was ca. 220 meters), while doing some really slow running in between.
The runway was varied, meandering among others along the scenic park trails of Keila-Joa,
passing the beautiful waterfall of Keila-Joa and a recently renovated historic castle. Interesting for
the first couple of times to pass.
I just got my number
My team mates ready to start
5. 5
There were ‘Battery tents’ that is support
points with the Battery (you know, that energy
drink) logos in every 3-4 km. Besides food
and drink, entertaining chats, moral support
and encouragement were in offering.
“What do you think when you run?”
That’s the question what I was wondering
before: “What are people thinking during this
32 hours? Aren’t they running out of
thoughts?”
Actually, the answer turned out pretty simple: the brain starts rationalising. It ‘throws out’ all the
unnecessary for the time being and given the task at hand. Sort of:
“X laps to pass altogether, one lap passed X-1 left.
Y km passed out of this lap, 21.1 km – Y to pass. Then it’s the ‘pit stop’. I have to take my head
lamp after the third lap. For the next lap, I need my M&M’s.
Just Z km left to the next support point. What to choose for drinking this time? Coca-Cola is quick
energy… No, this time I want something salty. Värska?
Which one to choose for the warm food this time: soup or rice?
My energy is limited, but I still have plenty of time. Should I sleep meanwhile? If yes then how
long? What if I cannot get up at all after sleeping?”
Calculations like that were repeating over and over again. While I did not have any specific plans
at the outset, I formulated them gradually on the way.
There were the other runners to meet and greet. As there was a number of turning points on the
trail, one met the others rather often. Everyone seemed to encourage each other – or maybe it
only seemed to me like that as I did not take the event as a competition but rather as just going
as long as I possibly can.
Small chats and jokes with the volunteers working in the support points, a la:
“Still running?”
“Yes, of course. No, actually I’m sleeping here in the bush.”
“Haha, and looking at the watch: now it’s time to go for the snack.”
“Yep 😉”
“Good luck!”
And off you went.
(In reality, ‘shortcuts’ were not possible as every runner was tracked and registered in each
support point.)
Waterfall of Keila-Joa which I saw 14 times
6. 6
I had equipped myself with the music, an audio book and a list of topics to think about. In reality,
out of the 30+ hours that I spent on the track, I spent less than an hour on listening the audio
book. Absolutely no need for the music and yeah, nothing came out of more ‘productive’ thinking
concerning more distant matters.
Low-points
I don’t recall any particular moment that I’d label as low-point; there were simply easier and more
challenging periods.
After the second lap, I started walking even if the feeling was good enough to continue jogging
for some time. Still, I did not want to become too tired too quickly. My plan was to simply walk till
the end.
The third lap turned out one of the most difficult too. First, by the time I had got a bit too much sun
at once (of course, I had forgotten the sun cream). Secondly, it may have been the point when
‘easy energy’ was spent and the body switched from burning carbons to burning fat, i.e. spending
stored energy which is more complicated to access. I don’t know; I’m not an expert on this. Thirdly,
it was challenging from pure thinking point of view; imagine: you have been on the trail 6+ hours
already (which feels like an eternity) and the outlook is 20+ more hours like this.
The second challenging point was going to the fifth lap. It was between 00:30 and 01:00 in the
night. The day had been warm, but the night was cool – and those were the few dark hours. Why
didn’t I take warmer trousers for the night?
My dad passed me with a lap (that is: was ahead of me with 21.1 km) some time when I was in
the last end of my fourth lap. For a short while we walked together.
“I’m sure you can do at least 100 km,” he noted.
“I’m pretty sure too,” I replied.
“You now have to think what to do: you have plenty of time left, but limited energy,” he advised.
“Whether you continue right away or in the morning. It may be difficult to get started after a stop,
but it may pay off later.”
I took this into consideration. It turned out to be a good advice.
After finishing the fourth lap I took some food (hot chocolate and rice with chicken) and went to
the tent to have a late dinner. It was so good and warm in the tent – it would have been so easy
to just sleep till the morning. Some other people were already sleeping. But no: I just had to do at
least 100 km before sleeping, that is one big circle more. Just to be sure about making this 100
km.
The lap was difficult to start with, but gradually it went easier and lighter too. Somewhere where
the trail runs along the sandy beach of Türisalu I met Martin. He was now some 15 km ahead of
me and already on his sixth lap, apparently tired. He said that this lap was probably going to be
7. 7
his last one. I replied that I was going to finish my fifth lap and then sleep a couple of hours. The
prospect of warm tent was appealing enough to continue moving on a relatively decent pace,
given the circumstances.
I happily reached the tent at 4:30 in the morning and, after having eaten three small slices of
bread, fell fast asleep.
Eating and drinking
Eating is most definitely a strategic part of the long distance running and walking. In details it’s
individual, but some general principles apply. Here is my experience.
As a breakfast, I choose porridge (made with water) and bread with salted butter, spruce growths
added. (Thanks, mom, for the later. I just made it a bit saltier while knowing that I’m going to lose
salt because of sweating.) By the way, the spruce growths are a great source for vitamin C, and
they are good for taking away fatigue and nervousness; they were also provided on the trail for
the runners.
In general, the choice of foods and snacks in the support points seemed appropriate for the
occasion; new items were added to the menu as time passed.
At first, water melons, bananas, muesli bars, cucumbers (both fresh and pickled) and tomatoes
did pretty well. In the second lap, I started to miss bread or white bread – and voila, there it was
with cheese. In fact, seed bread tasted good all the time, later with some salt added. White bread
with jam was also excellent. In limited extent, I also chose chips, olives, honey, raisings and other
stuff I wasn’t so sure about.
After the second lap, there was warm food ready: one could choose between meatball soup,
mashed potatoes and there was one more choice which I don’t recall. I had made that mistake of
eating a bit too much cheese and muesli in the previous lap, and so left the warm food after the
third lap. It may have been one reason why the third lap felt more difficult than the others – but
maybe not. After the third lap, I did not miss any chance to get warm food, but only took half a
serve at a time (which, in fact, was a really small portion).
As for drinking, then pure water is the best when one is thirsty. CocaCola was one of the drinks
that I chose most often; the other favourite one was Värska, a salty tasting natural mineral water.
I also tried out sports drinks, kvass and juices. Cocoa was absolutely excellent in the night.
How many meals did I have during this 30+ hours? Cannot really say; it was more like continues
eating. If it wasn’t a support point, it was a hard candy or M&M’s.
8. 8
Last two half marathons + a small lap
“Pēteris, Pēteris, wake up! Wake up! Go-go-go!” someone came to wake up fellow Latvian runner.
Of course, I was awaked too. I looked at the watch: it was 6:15 AM.
“More sleep,” I heard Pēteris replying but slowly starting moving.
As I did not get any more sleep, I got going too.
It was gradually getting warmer.
“Now it’s time to become a tourist,” I though and
took my smart phone for a few pics on the trail.
I heard people in the support point applauding
when making the first steps on my sixth lap.
In fact, it wasn’t all that difficult – and this
probably showed up on my face. Virtually in
each and every support point that I passed, I
was encouraged (even strongly so) to do one
more lap. With six laps, I was passing my ‘great
result’ (125 km) benchmark; I was starting to
feel a bit lazy. With a couple of ‘consolation
laps’ (about 3 km each) I would also have won Martin (who apparently had not fully recovered
from his Xdream a week before).
“Still, come to the next lap,” a fellow runner invited.
“My fans want it 😊” I found a motivation to get over the laziness.
So, it was decided. After a late breakfast, I was on my way again, this time literally counting down
kilometres. Just 20 more left, 19, 18, 17…
“But what if I do one small lap in addition? It would be 150 km, a nice number…” I almost heard
a little voice in my head. “I could do it…”
If I was suggested the same thing in the next support point, it was decided.
When I was almost finished with the seventh lap, it started raining. Now I finally had the chance
to use my rain coat.
“Lucky me that not before!” I congratulated myself for the good luck.
Some ascents on the trail would have been really difficult with rain.
Results
I finished at 16:28, nearly 30 and half hours after the start. I was this satisfied with the result that
I even did not feel tired. It was only a bit cold despite of the sun which had come out again.
Vääna-Jõesuu beach and U-turn
9. 9
“You don’t go away!” someone stopped me when I was looking around for my dad to go home.
“You have something to do on the podium. Did you know that?”
“No,” I must have sounded pretty stupid.
This came as a complete surprise to me; I had not been following the interim results whilst
competing with myself and with no one else.
At first, I did not get if I had something to do on the podium on my own or we as a team had; I did
not ask either – will see. It turned out that both:
• I became to the third place among the women, and
• We as a team won the first place among the mixed teams.
Our final results:
• Jaak Rohtsalu: Distance: 168.8 km; Time: 26:45:16.4; Average speed: 09:30 min/km - 5.25
km/h;
• Kristi Rohtsalu: Distance: 150.7; Time: 30:28:21.4; Average speed: 12:07 min/km - 4.12 km/h;
• Martin Rohtsalu: Distance: 129.6, Time: 24:19:54.6, Average speed: 11:15 min/km - 4.43
km/h;
• FK 400+ (Jaak + Kristi + Martin): Distance: 449.1 km, Time: 81:33:32.4.
All results can be found at: http://my2.raceresult.com/55567/results?lang=en#
…
You only get to understand how tired you actually are when finally allowed to relax, i.e. at home.
In fact, after some sleep and a couple of days for recovery, I was pretty ok again. Not exactly
ready to run, but without obvious walking difficulties or something like that.
Thanks for the great experience – to everyone participating and/or supporting!