Tag: Scenarios

  • The reassurance of having a pressure-tested portfolio

    The reassurance of having a pressure-tested portfolio

    Karin Risi and Tim Buckley discuss the peace of mind Vanguard Personal Advisor clients can gain from knowing their portfolio has been “pressure tested” against thousands of market scenarios.
    The reassurance of having a pressure-tested portfolio
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    https://investornews.vanguard/the-reassurance-of-having-a-pressure-tested-portfolio/

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  • WHO urges countries to move quickly to save lives from malaria in sub-Saharan Africa

    WHO urges countries to move quickly to save lives from malaria in sub-Saharan Africa

    Severe disruptions to insecticide-treated net campaigns and in access to antimalarial medicines could lead to a doubling in the number of malaria deaths in sub-Saharan Africa this year compared to 2018, according to a new modelling analysis released by
    WHO and partners ahead of World Malaria Day (25 April).

    WHO urges countries to move fast and distribute malaria prevention and treatment tools at this stage of the COVID-19 outbreak in sub-Saharan Africa, and to do their utmost to safely maintain these essential malaria control services.

    The analysis considers nine scenarios for potential disruptions in access to core malaria control tools during the pandemic in 41 countries, and the resulting increases that may be seen in cases and deaths. 

    Under the worst-case scenario, in which all insecticide-treated net (ITN) campaigns are suspended and there is a 75% reduction in access to effective antimalarial medicines, the estimated tally of malaria deaths in sub-Saharan Africa in 2020 would reach
    769 000, twice the number of deaths reported in the region in 2018. This would represent a return to malaria mortality levels last seen 20 years ago.

    According to the World malaria report 2019, sub-Saharan Africa accounted for approximately 93% of all malaria cases and 94% of deaths in 2018. More than two-thirds of deaths were among children under the age of five.

    A window of opportunity

    To date, the number of reported cases of COVID-19 in sub-Saharan Africa has represented only a small proportion of the global total, though cases are increasing every week. This means that countries across the region have a critical window of opportunity
    to minimize disruptions in malaria prevention and treatment and save lives at this stage of the COVID-19 outbreak.

    Mass vector control campaigns should be accelerated, while ensuring that they are deployed in ways that protect health workers and communities against potential COVID-19 transmission. WHO and partners commend the leaders of Benin, the Democratic Republic of the Congo, Sierra Leone and Chad
    for initiating ITN campaigns during the pandemic. Other countries are adapting their net distribution strategies to ensure households receive the nets as quickly and safely as possible.

    Preventive therapies for pregnant women and children must be maintained. The provision of prompt diagnostic testing and effective antimalarial medicines are also essential to prevent a mild case of malaria from progressing to severe illness and death.

    WHO and partners have developed guidance to ensure that those suffering from malaria can safely receive the care they need within the package of essential health services to be delivered in COVID-19 settings. Tailoring malaria interventions in COVID-19 response includes guidance on the prevention of infection through vector control and chemoprevention, testing, treatment of cases, clinical services, supply chain and laboratory activities.

    Note to the editor

    The modelling analysis was conducted by WHO in close collaboration with partners, including PATH, the Malaria Atlas Project and the Bill & Melinda Gates Foundation. 

    The analysis is subject to uncertainties. It does not consider, for example, the effects of an interruption in indoor residual spraying or seasonal malaria chemoprevention (except in Burkina Faso); a suspension of these core malaria prevention tools would
    also lead to considerable loss of life.

    In addition, there is limited understanding of the spread of COVID-19, its epidemiology and interactions with malaria. The model will be updated as such data become available, and countries will be provided with relevant information to tailor their responses
    accordingly.

    WHO urges countries to move quickly to save lives from malaria in sub-Saharan Africa
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    https://www.who.int/news-room/detail/23-04-2020-who-urges-countries-to-move-quickly-to-save-lives-from-malaria-in-sub-saharan-africa

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  • UK PM listened to his scientists about Covid-19, but they were slow to sound the alarm

    UK PM listened to his scientists about Covid-19, but they were slow to sound the alarm

    UK PM listened to his scientists about Covid-19, but they were slow to sound the alarm 1

    LONDON: It was early spring when British scientists laid out the bald truth to their government. It was “highly likely,“ they said, that there was now “sustained transmission” of COVID-19 in the United Kingdom.

    If unconstrained and if the virus behaved as in China, up to four-fifths of Britons could be infected and one in a hundred might die, wrote the scientists, members of an official committee set up to model the spread of pandemic flu, on March 2. Their assessment didn’t spell it out, but that was a prediction of over 500,000 deaths in this nation of nearly 70 million.

    Yet the next day, March 3, Prime Minister Boris Johnson was his cheery self. He joked that he was still shaking hands with everyone, including at a hospital treating coronavirus patients.

    “Our country remains extremely well prepared,“ Johnson said as Italy reached 79 deaths. “We already have a fantastic NHS,“ the national public health service, “fantastic testing systems and fantastic surveillance of the spread of disease.”

    Alongside him at the Downing Street press conference was Chris Whitty, the government’s chief medical adviser and himself an epidemiologist. Whitty passed on the modelling committee’s broad conclusions, including the prediction of a possible 80% infection rate and the consequent deaths. But he played them down, saying the number of people who would be infected was probably “a lot lower” and coming up with a total was “largely speculative.”

    The upbeat tone of that briefing stood in sharp contrast with the growing unease of many of the government’s scientific advisers behind the scenes. They were already convinced that Britain was on the brink of a disastrous outbreak, a Reuters investigation has found.

    Interviews with more than 20 British scientists, key officials and senior sources in Johnson’s Conservative Party, and a study of minutes of advisory committee meetings and public testimony and documents, show how these scientific advisers concluded early the virus could be devastating.

    But the interviews and documents also reveal that for more than two months, the scientists whose advice guided Downing Street did not clearly signal their worsening fears to the public or the government. Until March 12, the risk level, set by the government’s top medical advisers on the recommendation of the scientists, remained at “moderate,“ suggesting only the possibility of a wider outbreak.

    “You know, there’s a small little cadre of people in the middle, who absolutely did realise what was going on, and likely to happen,“ said John Edmunds, a professor of infectious disease modelling and a key adviser to the government, known for his work on tracking Ebola. Edmunds was among those who did call on the government to elevate the warning level earlier.

    From the outset, said Edmunds, work by scientists had shown that, with only limited interventions, the virus would trigger an “overwhelming epidemic” in which Britain’s health service was not going “to get anywhere near being able to cope with it. That was clear from the beginning.”

    But he said: “I do think there’s a bit of a worry in terms you don’t want to unnecessarily panic people.”

    Johnson, who himself has sickened with the virus, moved more slowly than the leaders of many other prosperous countries to adopt a lockdown. He has been criticised for not moving more swiftly to organise mass tests and mobilise supplies of life-saving equipment and beds. Johnson was hospitalized on April 5 and moved to intensive care the next day.

    It is too soon to judge the ultimate soundness of the UK’s early response. If history concludes that it was lacking, then the criticism levelled at the prime minister may be that, rather than ignoring the advice of his scientific advisers, he failed to question their assumptions.

    Interviews and records published so far suggest that the scientific committees that advised Johnson didn’t study, until mid-March, the option of the kind of stringent lockdown adopted early on in China, where the disease arose in December, and then followed by much of Europe and finally by Britain itself. The scientists’ reasoning: Britons, many of them assumed, simply wouldn’t accept such restrictions.

    The UK scientists were also mostly convinced – and many still are – that, once the new virus escaped China, quarantine measures would likely not succeed. Minutes of technical committees reviewed by Reuters indicate that almost no attention was paid to preparing a programme of mass testing. Other minutes and interviews show Britain was following closely a well-laid plan to fight a flu pandemic – not this deadlier disease. The scientists involved, however, deny that the flu focus ultimately made much difference.

    Now, as countries debate how to combat the virus, some experts here say, the lesson from the British experience may be that governments and scientists worldwide must increase the transparency of their planning so that their thinking and assumptions are open to challenge.

    John Ashton, a clinician and former regional director of Public Health England, the government agency overseeing healthcare, said the government’s advisers took too narrow a view and hewed to limited assumptions. They were too “narrowly drawn as scientists from a few institutions,“ he said. Their handling of COVID-19, Ashton said, shows the need for a broader approach. “In the future we need a much wider group of independent advisers.”

    Michael Cates, who succeeded Stephen Hawking as Lucasian Professor of Mathematics at Cambridge University, is leading an initiative by the Royal Society, the UK’s leading scientific body, to bring modellers in from other scientific disciplines to help understand the epidemic.

    “Without faulting anyone so far, it’s vital, where there is such a lot at stake, to throw the maximum possible light on the methods, assumptions and data built into our understanding of how this epidemic will develop,“ he told Reuters.

    In a statement to Reuters, a spokesperson for the Department of Health and Social Care said the government was delivering “a science-led action plan” to contain the outbreak. “As the public would expect, we regularly test our pandemic plans and what we learned from previous exercises has helped us to rapidly respond to COVID-19.”

    A LOW RISK TO THE PUBLIC

    When news came from China in January of a new infectious disease, Johnson had reason to believe his country was well prepared. It had some of the world’s best scientists and a well-drilled plan to deal with potentially lethal pandemics. Perhaps, some scientists say in hindsight, the plan made them slow to adapt.

    For many years, the Cabinet Office – a collection of officials who act as the prime minister’s direct arm to run the government – took the threat of pandemics seriously. Presciently, it rated pandemics as the Number 1 threat to the country, ahead of terrorism and financial crashes.

    At the centre of planning was a small group of scientists, among them Edmunds. His research group at the London School of Hygiene and Tropical Medicine runs one of the two computer modelling centres for epidemics that have mostly driven government policy. The other is at nearby Imperial College. Edmunds remembers that early in the outbreak, the data from China were sketchy, in the period “where the Chinese were trying to pretend that this wasn’t transmissible between humans.”

    Edmunds and his colleague at Imperial, Neil Ferguson, were part of an alphabet soup of committees that fed advice into the Cabinet Office machinery around the prime minister. Both were founders of the flu pandemic modelling committee, known as SPI-M, that produced the March 2 report warning of more than 500,000 deaths. This committee had met together for nearly 15 years.

    Ferguson did not respond to a request to be interviewed for this article.

    Edmunds and Ferguson were also part of NERVTAG, the New and Emerging Respiratory Virus Threats Advisory Group. Both too were members of the Scientific Advisory Group for Emergencies, known as SAGE, that advises the government in times of crisis. SAGE reports directly to Johnson and the government’s main emergency committee, COBRA.

    At first, when NERVTAG met on January 13, it studied information from China that there was “no evidence of significant human to human transmission” of the new virus, according to minutes of the meeting. The scientists agreed the risk to the UK population was “very low.”

    The evidence soon changed, but this wasn’t reflected in the official threat level. By the end of January, scientists in China began releasing clinical data. Case studies published in the British medical journal, The Lancet, showed 17% of the first 99 coronavirus cases needed critical care. Eleven patients died. Another Chinese study, in the same magazine, warned starkly of a global spread and urged: “Preparedness plans and mitigation interventions should be readied for quick deployment globally.”

    Edmunds recalled that “from about mid January onwards, it was absolutely obvious that this was serious, very serious.” Graham Medley, a professor of infectious diseases modelling at the London School and chairman of SPI-M, agreed. He said that the committee was “clear that this was going to be big from the first meeting.” At the end of January, his committee moved into “wartime” mode, he said, reporting directly into SAGE.

    Dr Jon Read, a senior lecturer in biostatistics at the University of Lancaster, also a member of SPI-M, said by the end of January it was apparent the virus had “pandemic potential” and that death rates for the elderly were brutal. “From my perspective within the sort of modelling community, everybody’s aware of this, and we’re saying that this is probably going to be pretty bad,“ he said.

    But the scientists did not articulate their fears forcefully to the government, minutes of committee meetings reveal.

    On January 21, scientists on NERVTAG endorsed the elevation of the UK risk warning from COVID-19 from “very low” to “low.” SAGE met formally for the first time the following day about the coronavirus threat. So did COBRA, which was chaired by Matt Hancock, the health secretary, who would contract the virus himself in late March. He told reporters after the meeting: “The clinical advice is that the risk to the public remains low.”

    In response to questions from Reuters, the government’s Department of Health declined to clarify how the risk levels are defined or what action, if any, they trigger. In a statement, a spokesperson said: “Increasing the risk level in the UK is a belt and braces measure which allows the government to plan for all future eventualities.”

    Two days later, China put the city of Wuhan, where the outbreak began, into a complete lockdown. Hubei, the surrounding province, would follow. But already, 17 passenger flights had flown directly from Wuhan to Britain since the start of 2020, and 614 flights from the whole of China, according to FlightRadar24, a flight-tracking service. That meant thousands of Chinese, some of them potential carriers, had come to Britain. On April 5, scientific adviser Ferguson said he estimated only one-third of infected people reaching Britain had been detected.

    As they watched China impose its lockdown, the British scientists assumed that such drastic actions would never be acceptable in a democracy like the UK. Among those modelling the outbreak, such stringent counter-measures were not, at first, examined.

    “We had milder interventions in place,“ said Edmunds, because no one thought it would be acceptable politically “to shut the country down.” He added: “We didn’t model it because it didn’t seem to be on the agenda. And Imperial (College) didn’t look at it either.” The NERVTAG committee agreed, noting in its minutes that tough measures in the short term would be pointless, as they “would only delay the UK outbreak, not prevent it.”

    That limited approach mirrored the UK’s longstanding pandemic flu strategy. The Department of Health declined a request from Reuters for a copy of its updated pandemic plan, without providing a reason. But a copy of the 2011 “UK Influenza Pandemic Preparedness Strategy 2011,“ which a spokesman said was still relevant, stated the “working presumption will be that Government will not impose any such restrictions. The emphasis will instead be on encouraging all those who have symptoms to follow the advice to stay at home and avoid spreading their illness.”

    According to one senior Conservative Party politician, who was officially briefed as the crisis unfolded, the close involvement in the response to the coronavirus of the same scientific advisers and civil servants who drew up the flu plan may have created a “cognitive bias.”

    “We had in our minds that COVID-19 was a nasty flu and needed to be treated as such,“ he said. “The implication was it was a disease that could not be stopped and that it was ultimately not that deadly.”

    While the UK was prepared to fight the flu, places in Asia like China, Hong Kong, Singapore and South Korea had built their pandemic plans with lessons learned from fighting the more lethal SARS outbreak that began in 2002, he said. SARS had a fatality rate of up to 14%. As a result, these countries, he said, were more ready to resort to widespread testing, lockdowns and other draconian measures to keep their citizens from spreading the virus.

    Scientists involved in the UK response disagree that following the government’s flu plan clouded their thinking or influenced the outbreak’s course. The plan had a “reasonable worst case” scenario as devastating as the worst predictions for COVID-19, they note.

    Mark Woolhouse, a professor of infectious diseases epidemiology at the University of Edinburgh, and a member of the SPI-M committee, said COVID-19 did behave differently than an expected pandemic flu – for example school closures proved to be far less effective in slowing the spread of the coronavirus. But, broadly, “the government has been consistently responsive to changing facts.”

    By the end of January, the government’s chief medical adviser, Whitty, was explaining to politicians in private, according to at least two people who spoke to him, that if the virus escaped China, it would in time infect the great majority of people in Britain. It could only be slowed down, not stopped. On Jan 30, the government raised the threat level to “moderate” from “low.”

    The country’s medical officers “consider it prudent for our governments to escalate planning and preparation in case of a more widespread outbreak,“ a statement said at the time. Whitty did not respond to questions from Reuters for this article.

    A TIME TO PREPARE

    On the evening of January 31, Boris Johnson sat before a fireplace in 10 Downing Street and told the nation, in a televised address: “This is the moment when the dawn breaks and the curtain goes up on a new act in our great national drama.”

    He was talking of finally delivering Brexit, or what he called “this recaptured sovereignty.” Until that moment, Johnson’s premiership had been utterly absorbed by delivering on that challenge.

    With Brexit done, Johnson had the chance to focus on other matters the following month, among them the emerging virus threat. But leaving the European Union had a consequence.

    Between February 13 and March 30, Britain missed a total of eight conference calls or meetings about the coronavirus between EU heads of state or health ministers – meetings that Britain was still entitled to join. Although Britain did later make an arrangement to attend lower-level meetings of officials, it had missed a deadline to participate in a common purchase scheme for ventilators, to which it was invited. Ventilators, vitally important to treating the direst cases of COVID-19, have fallen into short supply globally. Johnson’s spokesman blamed an administrative error.

    A Downing Street aide told Reuters that from around the end of January, Johnson concentrated his attention increasingly on the coronavirus threat, receiving “very frequent” updates at least once per day from mid February, either in person or via a daily dashboard of cases.

    In the medical and scientific world, there was growing concern about the threat of the virus to the UK. A report from Exeter University, published on February 12, warned a UK outbreak could peak within four months and, without mitigation, infect 45 million people.

    That worried Rahuldeb Sarkar, a consultant physician in respiratory medicine and critical care in the county of Kent, who foresaw that intensive care beds could be swamped. Even if disease transmission was reduced by half, he wrote in a report aimed at clinicians and actuaries in mid-February, a coronavirus outbreak in the UK would “have a chance of overwhelming the system.”

    With Whitty stating in a BBC interview on February 13 that a UK outbreak was still an “if, not a when,“ Richard Horton, a medical doctor and editor of the Lancet, said the government and public health service wasted an opportunity that month to prepare quarantine restriction measures and a programme of mass tests, and procure resources like ventilators and personal protective equipment for expanded intensive care.

    Calling the lost chance a “national scandal” in a later editorial, he would testify to parliament about a mismatch between “the urgent warning that was coming from the frontline in China” and the “somewhat pedestrian evaluation” of the threat from the scientific advice to the government.

    After developing a test for the new virus by January 10, health officials adopted a centralised approach to its deployment, initially assigning a single public laboratory in north London to perform the tests. But, according to later government statements, there was no wider plan envisaged to make use of hundreds of laboratories across the country, both public and private, that could have been recruited.

    According to emails and more than a dozen scientists interviewed by Reuters, the government issued no requests to labs for assistance with staff or testing equipment until the middle of March, when many abruptly received requests to hand over nucleic acid extraction instruments, used in testing. An executive at the Weatherall Institute of Molecular Medicine at the University of Oxford said he could have carried out up to 1,000 tests per day from February. But the call never came.

    “You would have thought that they would be bashing down the door,“ said the executive, who spoke on condition of anonymity. By April 5, Britain had carried out 195,524 tests, in contrast to at least 918,000 completed a week earlier in Germany.

    Nor was there an effective effort to expand the supply of ventilators. The Department of Health told Reuters in a statement that the government started talking to manufacturers of ventilators about procuring extra supplies in February. But it was not until March 16, after it was clear supplies could run out, that Johnson launched an appeal to industry to help ramp up production.

    Charles Bellm, managing director of Intersurgical, a global supplier of medical ventilation products based outside London, said he has been contacted by more than a dozen governments around the world, including France, New Zealand and Indonesia. But there had been no contact from the British government. “I find it somewhat surprising, I have spoken to a lot of other governments,“ he said.

    Countering such criticism, Hancock, the health minister, said the government is on track to deliver about 10,000 more ventilators in the coming weeks. One reason Britain was behind some countries on testing, he said, was the absence of a large diagnostics industry at the outbreak of the epidemic. “We didn’t have the scale.”

    GAME OVER

    It was during the school half-term holidays in February that frontline doctor Nicky Longley began to realise that early efforts to contain the disease were likely doomed.

    For weeks now, doctors and public health workers had been watching out for people with flu-like symptoms coming in from China. Longley, an infectious diseases consultant at London’s Hospital for Tropical Diseases, was part of a team that staffed a public health service helpline for those with symptoms. The plan, she said, had been to make all effort to catch every case and their contacts. And “to start with, it looked like it was working.”

    But then, bad news. First, on Wednesday the 19th of February, came the shock news from Iran of two deaths. Then, on Friday the 21st, came a death in Italy and a bloom of cases in Lombardy and Veneto regions. Britain has close links to both countries. Thousands of Britons were holidaying in Italy that week.

    “I don’t think anybody really foresaw what was happening in Italy,“ Longley said. “And I think, the minute everybody saw that, we thought: ‘This is game over now.’”

    Until then, Longley said, everyone felt “there was a chance to stamp it out” even though most were sceptical it could be done long-term. But after Iran and Italy, it was obvious containment would not work. The contact tracing continued for a while. But as the cases in London built up, and the volume of calls to the helpline mushroomed, the priority began to shift to clinical care of the serious cases. “At a certain point you have to make a decision about where you put your efforts as a workforce.”

    Edmunds noted that Iran and Italy had hardly reported a case until that point. “And then, all of sudden you had deaths recorded.” There was a rule of thumb that, in an outbreak’s early stages, for each death there were probably 1,000 cases in a community. “And so it was quite clear that there were at least thousands of cases in Italy, possibly tens of thousands of cases in Italy right then.”

    Amid the dreadful news from Italy, the scientists at NERVTAG convened by phone that Friday, 21st February. But they decided to recommend keeping the threat level at “moderate,“ where it had sat since January 30th. The minutes don’t give a detailed explanation of the decision. Edmunds, who had technical difficulties and couldn’t be heard on the call, emailed afterwards to ask the warning to be elevated to “high,“ the minutes revealed. But the warning level remained lower. It’s unclear why.

    “I just thought, are we still, we still thinking that it’s mild or something? It definitely isn’t, you know,“ said Edmunds.

    A spokesman for the government’s chief scientific adviser, Sir Patrick Vallance, didn’t directly respond to Reuters questions about the threat level. Asked whether, with hindsight, the scientists’ approach was the right one, the spokesperson said in a statement that “SAGE and advisers provide advice, while Ministers and the Government make decisions.”

    HERD IMMUNITY

    On Sunday, March 1st, Ferguson, Edmunds and other advisers spent the day with NHS public health service experts trying to work out how many hospital beds and other key resources would be needed as the outbreak exploded. By now, Italian data was showing that a tenth of all infected patients needed intensive care.

    The following day, pandemic modelling committee SPI-M produced its “consensus report” that warned the coronavirus was now transmitting freely in the UK. That Thursday, March 5, the first death in the UK was announced. Italy, which reached 827 deaths by March 11, ordered a national lockdown. Spain and France prepared to follow suit.

    Johnson held out against stringent measures, saying he was following the advice of the government’s scientists. He asserted on March 9: “We are doing everything we can to combat this outbreak, based on the very latest scientific and medical advice.”

    Indeed, the government’s Scientific Advisory Group for Emergencies, SAGE, had recommended that day, with no dissension recorded in its summary, that the UK reject a China-style lockdown. SAGE decided that “implementing a subset of measures would be ideal,“ according to a record of its conclusions. Tougher measures could create a “large second epidemic wave once the measures were lifted,“ SAGE said.

    On March 12 came a bombshell for the British public. Chris Whitty, the chief medical officer, announced Britain had moved the threat to UK citizens from “moderate” to “high.” And he said the country had moved from trying to contain the disease to trying to slow its spread. New cases were not going to be tracked at all. “It is no longer necessary for us to identify every case,“ he said. Only hospital cases would, in future, be tested for the virus. What had been an undisclosed policy was in the open: beyond a certain point, attempts to completely extinguish the virus would stop.

    The same day, putting aside his jokey self, Johnson made a speech in Downing Street, flanked by two Union Jacks and evoking the spirit of Winston Churchill’s “darkest hour” address. He warned: “I must level with you, level with the British public – more families, many more families are going to lose loved ones before their time.”

    For most Britons, it came as a shock. Several of the next day’s newspapers splashed Johnson’s words on their front pages.

    Vallance, the government’s chief scientific adviser, who chaired SAGE, said in a BBC interview on March 13 that the plan was to simply control the pace of infection. The government had, for now, rejected what he called “eye-catching measures” like stopping mass gatherings such as football games or closing schools. The “aim is to try and reduce the peak, broaden the peak, not to suppress it completely.” Most people would get the virus mildly, and this would build up “herd immunity” which, in time, would stop the disease’s progress.

    But by now, the country was rebelling. Major institutions decided to close. After players began to get infected, the professional football leagues suspended their games. As Johnson still refused to close schools and ban mass gatherings, the Daily Mirror’s banner headline, summing up a widespread feeling, asked on March 13: “Is It Enough?”

    The catalyst for a policy reversal came on March 16 with the publication of a report by Neil Ferguson’s Imperial College team. It predicted that, unconstrained, the virus could kill 510,000 people. Even the government’s “mitigation” approach could lead to 250,000 deaths and intensive care units being overwhelmed at least eight times over.

    Imperial’s prediction of over half a million deaths was no different from the report by the government’s own pandemic modelling committee two weeks earlier. Yet it helped trigger a policy turn-around, both in London and in Washington, culminating seven days later in Johnson announcing a full lockdown of Britain. The report also jarred the U.S. administration into tougher measures to slow the virus’ spread.

    Ferguson was now in isolation himself after catching the virus. Testifying by video link to a committee in Parliament, he explained why he and other scientific advisers had shifted from advocating partial social-distancing measures to warning that without a rigorous shutdown, the NHS would be overwhelmed. The reason, he said, lay in data coming out of Italy that showed large numbers of patients required critical care.

    “The revision was that, basically, estimates of the proportion of patients requiring invasive ventilation, mechanical ventilation, which is only done in a critical care unit, roughly doubled,“ he said.

    Edmunds had a different explanation for the policy shift.

    What allowed Britain to alter course, said Edmunds, was a lockdown in Italy that “opened up the policy space” coupled with new data. First came a paper by Edmunds’ own London School team that examined intermittent lockdowns, sent to the modelling committee on March 11 and validated by Edinburgh University. Ferguson’s revised Imperial research followed.

    Woolhouse, the Edinburgh professor, confirmed the sequence.

    Edmunds said these new studies together had demonstrated that if the British government imposed a lengthy period of tougher measures, perhaps relaxed periodically, then the size of the epidemic could be substantially reduced.

    Still, without a vaccine or effective treatments, it’s going to be hard to avoid a substantial part of the British population getting infected, said Edmunds. “Until you get to a vaccine, there is no way of getting out of this without certainly tens of thousands of deaths,“ he said. “And probably more than that.”

    Now subject to intense public scrutiny, the modelling teams at universities across Britain continue to work on different scenarios for how the world can escape the virus’s clutches. According to Medley, the chairman of the SPI-M pandemic modelling committee, no one now doubts, for all the initial reservations, that a lockdown was essential in Britain.

    Medley added: “At the moment we don’t know what’s going to happen in six months. All we know is that unless we stop transmission now, the health service will collapse. Yep, that’s the only thing we know for sure.” – Reuters

    UK PM listened to his scientists about Covid-19, but they were slow to sound the alarm
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    https://www.thesundaily.my/home/uk-pm-listened-to-his-scientists-about-covid-19-but-they-were-slow-to-sound-the-alarm-GE2237109

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  • March madness: What’s going to happen with Brexit? And are the U.S. and China about to make a deal?

    March madness: What’s going to happen with Brexit? And are the U.S. and China about to make a deal?

    Will the U.S.-China trade talks and possible Brexit scenarios impact U.S. investors?
    March madness: What’s going to happen with Brexit? And are the U.S. and China about to make a deal?
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    https://investornews.vanguard/march-madness-whats-going-to-happen-with-brexit-and-are-the-u-s-and-china-about-to-make-a-deal/

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  • Repricing on Health Insurance Claims

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    We have all heard the stories of the emergency room claim that cost $10,000 for a broken thumb, or the person who had to file bankruptcy from the huge bill while using a network outside of their HMO. These stories have been the fuel for arguments on what should be done with our Nation’s healthcare system. The truth is these stories occur more than most people realize, and many have misconceptions on how this happens. This is why it is crucial to have the right billing network to take advantage of most favorable, predetermined pricing available.

    Lets take a look at a couple of scenarios where one person is stuck with a high medical bill and the other is protected. Suppose that two people walk into an emergency room for the same injury, one having adequate health insurance and the other having none. The emergency room is going to immediately know that each patient will be billed differently. The person with the right network billing plan will be able to take advantage of a nationwide network, allowing predetermined pricing for most any medical condition you can name. The other will be at the mercy of what the emergency room decides to charge. Depending on the medical condition, the difference of what is paid out could be upwards of tens of thousands of dollars. The catch is, in order to receive this predetermined billing you must have access to the participating billing network.

    When you take a closer look at how these billing networks work it becomes clear where you may be exposed, especially on smaller networks. No one knows this better than the self employed and those who do not get insurance offered through work. When an individual purchases health insurance on the exchange (Healthcare.gov), the only network options available in Texas are HMO, or restricted networks. These networks are formed for the insurance company and the medical institution to share losses, while hoping to bring in excess volume of patients to offset the claims. Even these smaller type of HMO networks can have big holes in their billing networks. For example, if an individual has a surgery within their HMO network they may still have an unpleasant surprise when the final bill comes. Although their surgeon is likely covered, both the anesthesiologist and the surgical tools rented for the surgery might fall out of the billing HMO network, causing thousands of dollars to be paid by the patient. You guessed it, not a word of warning, just a bill that the health insurance will not cover well after the surgery.

    The only way to avoid a small HMO network pricing trap is to take advantage of much larger billing networks, allowing you to avoid the uncovered pitfalls. These larger networks, or providers, can have hundreds of thousands of doctors and medical institutions participating coast to coast. Many of these nationwide networks make it mandatory for their preferred discount to be the primary, or front runner, method of billing, protecting the patient’s financial interests from any threat of overpricing. In fact, these predetermined pricing modules are so accurate some insurance companies form their coverage to mirror the preferred billing, therefore limiting the out of pocket expense by thousands of dollars. Those who utilize this service can rest easy knowing that their interests will be protected moving forward from the right billing network with unrestricted networks nationwide.

    Although these billing network giants are elusive in today’s ACA health insurance environment, they do exist across the nation, Texas included. In fact, I have helped dozens and dozens of clients take advantage of these unrestricted networks over the last few months alone, at much more reasonable premiums than ACA policies. It is important to consider the network billing plans when choosing the right heath insurance plan for your family, especially for those who do not qualify for a subsidy (Federal income credit given to those with limited financial means). It is extremely important to speak to a health insurance professional who has access to these unrestricted billing networks, in order to protect your financial interests.

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    Source by Cal J Burgess

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  • Wrong Reasons For Getting Married – (1) Marrying Out of Sympathy

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    There are right and wrong reasons for getting married. The worst thing a person can do to oneself is to marry a wife or husband for the wrong reason. There are quite a number of wrong reasons why people marry. One of the wrong reasons and perhaps among the most prominent of the wrong reasons is marrying out of sympathy.

    There are many scenarios under this subheading of marrying out of sympathy that relationship coaches experience in the course of counseling and coaching. Some of the most common ones are when the woman gets pregnant as a result of premarital sex and getting married to a person just because one’s brother or sister jilted that person. Between these two extremes, are those who start relationships with girls who are being maltreated by those they serve. Some men get involved with the neighborhood maids or relations of their neighbors who are being maltreated. Women fall into this kind of challenge too.

    When sympathy forms the basis for a relationship with the opposite sex, it is like playing with a keg of gunpowder over a fireplace. Sympathy is a powerful emotion. It so overpowering that it becomes difficult for the parties involved to consider the critical elements in the foundation for a joyful relationship such as friendship, understanding, compatibility etc. If the man is the one sympathizing, he is so enamored into what he sees as the Good Samaritan’s job that he does not consider what stuff the woman is made off, her attitudes, desires and mindset. He does not stop to find out what life purposes she has, what goals she is focused on and how all these could jell into his own desires. If it is the woman that is sympathizing, she goes through the same emotions and also begins to think that if she saves the young man, he would remain loyal to her forever.

    Findings, however, have shown that the truth is far from what these sympathizer-lovers are thinking. If as a result of your efforts the captive is set free, he or she will do what all captives do, “flee”. Fleeing here may not mean running away from their sympathizer-lovers, though that has been known to happen with people who confess that the only feeling they had was to escape the environment. In many instances, the sympathizer-lovers begin to act as saviors and lordships. This is usually resisted, first psychologically and later verbally. And there goes your peace and comfort.

    Marriage relationship requires that both parties are open to each other. Open – meaning that there are no secrets in their hearts that the other partner would not be allowed into. Once these secret feelings are there, it produces reactive communication instead of responsive communication.

    These sympathy missions when it emanates from the premarital sex pregnancy, the woman does not fully get happy in the relationship. This arises from the fact that as the usual challenges appear in the scene, instead of the woman finding a good reason to endure; she only thinks she is in a mess occasioned by the pregnancy. Some have confessed that if they did not get pregnant, there is no way they would end up with the man they are married to. Instead of seeing the usual marriage and child rearing challenges as learning opportunities, they mortify themselves for getting pregnant. And some of the time, they blame the man for putting them in the family way. Some blame the child that resulted from the pregnancy. Hatred for a child has been known to have grown from such situations creating lasting bitterness.

    For the men, having not evaluated the character, demeanor, temperament of their spouse before marriage because of the overpowering influence of the emotion of sympathy, when the woman shows her real character, they are usually overwhelmed. They see themselves as having made terrible mistakes. They now live the rest of their lives in regret, withdrawal or wickedness or under the influence of these three negative but powerful emotions.

    It is necessary that we have it ingrained in the tablet of our hearts that the only reasons good enough for marrying anybody are the foundational elements for joyful relationship. If while in a relationship with the opposite sex there is no opportunity to build friendship and if an understanding of the basic purpose of marriage is not clear to both of you, then there is no other reason why the relationship should continue beyond the next few hours.

    Interestingly, many marriages out there are based on sympathy.

    Young single adults (18-30 years of age) and single adults (31 years and above) should not marry anybody for the purpose of saving face or to save somebody from suffering. Instead of cornering yourselves to this quagmire, why not follow the appropriate dating, courtship and engagement practices where no sexual intimacy is included. There is need to remember that sexual intimacy is only appropriate in a legally and lawfully wedded marriage contract. You need to remember that the basic purpose of sexual intimacy is mainly for procreation and to cement companionship.

    The excitement and pleasure that accompany sexual intercourse is purposed to invite people to take the responsibility that comes with it. Any other use of sexual intimacy outside legal and lawful matrimony is a transgression of the law. And law breakers must bear the full weight of the law. In most cases, there would be no external police to arrest you and no external court to try you and no external prison to sentence you. But there are internal version of the police, the court and the prison and a large farmland where your hard labor would be performed if you commit this offense.

    What is the way to go?

    Here is the way to go. Instead of focusing on sympathy, those planning to get married should focus on what matters most – the purpose of marriage – companionship and procreation. Remember the good Lord Himself said of Adam in the scriptures: “it is not good for man to be alone” (Genesis 2:18), hence He made Eve to keep him company. Do not forget also that the same Creator gave them a commandment to “multiply and replenish the earth” (Genesis 1:28). This is the creator’s approval for sexual intimacy in marriage relationship with the intents and purposes clearly spelled out, though. Latter-day prophets have clearly stated that “sex between a man and a woman in a legal and lawful marriage is ordained of God”. These are the foundational elements that must be established before continuing in the plan for marriage with someone. Both parties ought to know and understand this fully. This knowledge and understanding would bear relationships as the foundation of a building bears it. Marrying for any other reason is like standing the building on its roof.

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    Source by Francis Nmeribe

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  • Fugazi – 5 Dollar Shows, 10 Dollar Albums And 1,000,000 Dollar Passion

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    Few bands in recent years have enjoyed the critical acclaim that this influential rock band has received. Formed in 1987 by the remnants of crucial hardcore bands Embrace and Rites of Spring, this band has reached the title of underground legends. This reputation is not the result of their evolution of hardcore punk and their experimentation with several other musical genres but of their ethics and ideals. This essay’s purpose is to expose one of the best bands of the American underground. Fugazi is composed of vocalist and guitarist Ian Mackaye, vocalist and guitarist Guy Picciotto, bassist Joe Lally, and drummer Brendan Canty.

    To start to chronicle Fugazi’s history, one must first look at their hardcore roots. Ian Mackaye was the vocalist of the iconic and often called “definitive” hardcore punk band Minor Threat formed in 1980. Minor Threat has a legendary status in the punk scene because of their music, their ideas and their approach. After Minor Threat disbanded in 1983, Mackaye went to form Embrace in 1985. Meanwhile, Guy Picciotto was part of Rites of Spring, often called the “first and definitive emocore band,” formed in 1984. These two influential bands were part of the movement known as “Revolution Summer,” an attempt to change the punk scene to more melodic music and introspective lyrics; several hardcore bands from the 80’s had attracted a lot of violence and intolerance because of their aggressive music and raging lyrics. The two bands were short-lived, and their members joined other groups. Ian Mackaye then formed a trio with Joe Lally and Colin Sears, who left and was replaced by Brendan Canty. Fugazi is a Vietnam acronym for bad combat scenarios that stands for F*cked Up, Got Ambushed, Zipped In. After a few shows they decided to add Picciotto into the mix and continued playing for several years.

    Fugazi are very difficult to classify and labeling them into a single genre is nearly impossible and, in some ways, insulting. Their music integrates elements of punk, hardcore, noise rock, and even soul, with innovative rhythms influenced by funk, jazz, reggae and dub. In fact, they have been categorized as post punk and post hardcore by many critics because their music is an evolution, progression and reaction to hardcore punk. This band is also notable because of the interlocking guitars of Picciotto and Mackaye, which stay in a balance as equals, unlike most bands that have a leading guitar and a rhythm guitar. Also, the contrast in both guitarists singing styles is fascinating. Mackaye’s hardcore roots make his singing be way more straightforward and anthem-like while Picciotto prefers a more abstract way of singing. Their experimental sounds have influenced many bands, like At the Drive-In and are regarded as one of the best bands of the last twenty years.

    Just as famous as their groundbreaking music are their ethics and ideals. They’re one of those hard-to-find bands that, while keeping their DIY punk ethics, still achieved mainstream success. They normally charged form $5 to $10 per show and insisted that their shows be open for everybody, age notwithstanding. They don’t sell merchandise like posters, pins, patches or t-shirts because they thought that having a person managing merchandise involved more costs and they wanted to keep the prices of their albums and shows at a minimum. At their shows, Fugazi encouraged the underage fans to wear black exes on their hands to stop them from consuming alcohol, particularly, a tradition created by Mackaye during his days at Teen Idles, a band older than Minor Threat. Much of Fugazi’s reputation comes from word of mouth. They had the reputation of powerful, cathartic shows and an eagerness to play anywhere. Another famous characteristic of Fugazi is that they, unlike most bands from their time, discouraged slam dancing, fist fights, and moshpits during their shows and are ready to stop playing and ask the problematic people to step out with their money back so they can continue their show.

    Fugazi have proved to be one of the most revered bands in the American Indie and Punk scenes because of their contribution to music. Just the fact that they never sold out when they had a myriad chances proves how valuable their music was for them, an admirable quality. In this conformist and corporative world where sounds are synthesized and copied to manipulate the masses, those underdogs that rebel against the mainstream and seek to achieve musical pleasure are the ones that are worth listening to. Many bands have taken Fugazi’s example but no band will ever compare to the greatness that was Fugazi, the band that could.

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    Source by Juan Diego Alvarado

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  • Investing 20,000 Dollars – Ways to Double it in a Month

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    $20,000 is a lot of money but $40,000 would be nicer, so let’s explore what you could invest that money in and consider possible scenarios that can double it in a month or less. This type of money is quite a decent amount of capital, however, it is not enough to buy real estate without taking out a loan. To double your money at any level is quite a feat, but as you will see, not impossible.

    First, a word about risk. All investors look at the downside or the risk profile of a potential investment before they even think to consider investing, no matter what the promised returns are. Risk is an important consideration and it would do us good to define the ideal risk free investment so we can picture better what to look for.

    First, when you hand over your money to another, that is the underlying cause and underpinning issue of risk. You have to trust and you have to hope that your money will be returned with the promised interest yield. When you hand over your money in most situations all you get is the evidence that your money is with them. You get no tangible collateral in exchange for that money.

    Consider a house on the other hand. A house, or any tangible item for that matter that has an existing liquid market, is a large piece of collateral and you have direct control over that asset in exchange for the money you paid. This means you can control the value to a degree and this is an important point.

    To double $20000 in under a month, you could look at a land investment. A paper re-hab, unlike a normal re-hab where you roll your sleeves up and paint a house, a paper re-hab is one where you fill in a few forms and immediately increase the value of land. For instance you could purchase a lot that is close to an industrial area and re-zone it industrial from residential. Providing there is a distinct shortage of industrial land in the area, you have just increased the value of that land tremendously. Or you could put in the paper work to split the block to subdivide. This would mean you have 2 lots almost worth the same as the original. This type of value manipulation is crucial to your risk profile and the ultimate level of returns.

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    Source by Terry Hart

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