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![]() These software solutions are designed to speed up the mortgage-application process, lower costs for the lender, and improve the overall customer experience.ĭespite these strides, challenges remain. The expansive list of steps that have been addressed include front-end platform modernization, workflow management, document extraction and management, income and asset verification, employment verification, title verification, appraisal management, e-closings, automated compliance, and decisioning. Over the past five years, many major bank and nonbank lenders have invested in either proprietary or third-party technologies across various parts of the value chain to help with a number of processes. Third-party technology and data providers are streamlining more parts of the mortgage process Many origination and servicing processes are still slow, manual, labor intensive, and fragmented-in other words, ripe for disruption. While many lenders have been able to provide a smoother mortgage-application experience by digitizing the front-end platform, the digitization of the industry remains incomplete. Moreover, customers crave speed: satisfaction drops by roughly 15 percentage points if the lender takes more than ten days to provide a decision on the application.ĭespite rising expectations, mortgage customer satisfaction continues to be subpar, especially compared with adjacent products and other industries, according to a recent McKinsey survey. Our internal research indicates that about 60 percent of both purchase and refinance borrowers would be open to completing their entire mortgage application online, without phone or in-person support. Investors looking for opportunities to continue improving the borrower experience in this quickly shifting landscape will want to understand the latest changes in the industry, which parts of the mortgage process can be further improved, and the next potential innovations.Īt the same time, borrower expectations for digital engagement have risen dramatically over the past 18 months. Nonqualified mortgage (non-QM) lenders are reentering the market.Companies are bundling home-buying services, including mortgages.are introducing more-efficient digital platforms. Next-generation “subservicers” 3 A subservicer is a qualified outsourcing partner that does not own the right to perform servicing but that performs servicing (including all administrative-, compliance-, and financial-servicing activities) on behalf of a master servicer for a monthly per-loan fee.Nonbank lenders continue to grow market share.Third-party technology and data providers are streamlining more parts of the mortgage process.This article examines five dynamic trends that are reshaping the mortgage industry and that are relevant to investors in this sector: Investors can facilitate further improvements at the point of origination, processing, underwriting, and loan servicing, as well as expand consumer access to home-financing and home-buying services. Meanwhile, the mortgage industry has been gradually adopting technology to streamline the front-to-back process of getting a mortgage, with the aim of making the consumer experience smoother and faster. 2 “Quarterly mortgage originations estimates,” Mortgage Bankers Association, October 2021, mba.org. which is at leastĤ0 percent higher than average annual originations between 20. ![]() According to a recent report from the Mortgage Bankers Association, the industry is expected to originate more than $2.5 trillion for each of the next three years, 1 “MBA mortgage finance forecast,” Mortgage Bankers Association, November 22, 2021, mba.org. ![]() Although a rise in rates would cool refinance activity, banks, nonbank lenders, and mortgage industry investors are likely to continue seeing strong demand from the purchase market. Consumer demand for mortgages in the United States has skyrocketed, due to a surge in home buying during the COVID-19 pandemic and as a result of low interest rates that have made refinancing attractive over the past two years. ![]() ![]() Ultimately how much all this matters and how much disk space you need to reclaim is going to depend on the capacity of a Mac hard drive. It is critical you understand exactly what you see and what its purpose is, because deleting the wrong thing could break Mac OS system software or lead to the unintended loss of critical data or personal files. You can often find very large files or folders you may have long forgotten about by using tools like OmniDiskSweeper, and of course things like caches and temp files will be shown too, along with personal files and data. 900MB of unused and long forgotten Applications were uninstalled freeing up space.The Downloads folder has become enormous, deleting everything from there recovered a quick 4GB.Over 1GB of unused Mac OS X Voices were found and removed.Spotify Caches were taking up 1GB of disk space, removing that and deleting unnecessary user caches recovered 2GB of disk space immediately.The user ~/Library/Application Support/ directory contained 1GB of files for apps that are no longer used.For example, sweeping my drive with OmniDiskSweeper I discovered and removed the following items: Under expert hands this can help to recover disk space by quickly locating large items on a drive, but these are truly advanced tools, they are not for novice Mac users.Įxactly what can be removed is going to vary per user and per drive and per Mac, but everyone will certainly find items that are no longer necessary to keep around. This requires careful consideration as to what individual files and folders are, regardless of their size. OmniDiskSweeper will show every single file and folder on a Mac leaving it up to the user to figure out what is needed or not. Sloppy use of tools like OmniDiskSweeper can lead to permanent data loss. If you don’t absolutely know what a file or directory is and if it’s necessary or not, do not delete it! There is no going back, and if you accidentally delete important system files or folders you may find yourself having to recover from a backup or reinstalling Mac OS X. Important: OmniDiskSweeper is intended for users who are knowledgable about their Mac file system. Let OmniDiskSweeper sweep the drive to find all files by size, then click on the topmost directories to find items that can be cleaned up, managed, backed up, or deleted as necessary.Click on your primary hard disk, typically labeled “Macintosh HD”. ![]() Download OmniDiskSweeper (free), copy it to your /Applications/ folder, and launch the app.How to Locate Large Files & Folders on Mac with OmniDiskSweeper to Help Recover Hard Disk Spaceįinding the large files and folders with OmniDiskSweeper is quick and painless, here’s all you need to do: OmniDiskSweeper is an excellent application for Mac OS X that shows everything on a hard disk in descending order by size, each directory can then be drilled down into further to quickly locate the largest files, and the offending folders or files can be managed and deleted directly from the app. How do I hide the performance window in the game bar? You Must open Task Manager and Kill the Memory Diag Manually each and every time…It is just a troublesome thing at this point. Step 2: Choose System, open Notifications & actions and click Turn system icons on or off.Īfter each computer restart…Memory Diag running in the Task Bar Icon Section and in the Background. ![]() How do I scan for bad RAM? How to hide or show system icons on taskbar in Windows 10?Ģ ways to hide or show system icons on taskbar in Windows 10: Way 1: Hide or show system icons in Settings (i.e. Run through them and toggle each one on or off to suit your needs. Right-click any open area on the taskbar and then click “Taskbar Settings.” On the taskbar settings page, scroll down a bit to the “Notification Area” section and click the “Turn system icons on or off” link. How do I make my taskbar only show icons? Check or uncheck the tick box before the icon, and select OK to save changes.Scroll down and select Desktop icon settings. Right-click the desktop and select Personalize.How to show or hide desktop icons – Windows 10 Once restarted, wait for the result message.Select “Restart now and check for problems.” Windows will automatically restart, run the test and reboot back into Windows.Search for “Windows Memory Diagnostic” in your start menu, and run the application.How to Test RAM With Windows Memory Diagnostic Tool How do I test RAM in Windows memory Diagnostic Tool? If your RAM has an issue, MemTest86 will identify it. Is MemTest86 better than Windows memory Diagnostic?Īlthough Windows Memory Diagnostic is a very powerful RAM testing app, the MemTest86 utility does a more thorough job using more effective and robust tests. This process is done by running a set of tests. It helps you to determine if any problem is occurring due to hardware failure including RAM, motherboard, and others. It is started for checking RAM for any faults while working on your system. The Memory Diagnostic Tool is used to verify and test the RAM. Click toggles to On for icons you want to show, and Off for icons you want to hide.Click Select which icons appear on the taskbar.How to Show and Hide Windows 10 System Tray Icons How do I hide the small icons on my taskbar? Type MemoryDiagnostics-Results, and click the Find Next button.Search for eventvwr.exe and press Enter to open Event Viewer.How do I see Windows memory Diagnostic results? At the blue screen of Windows Memory Diagnostic tool, press and hold the power on/off button at the top or side of your surface computer for as long as needed until your screen turns pitch black. ![]() How do you exit the Windows memory diagnostic? It allows you to change the meters that are displayed in the taskbar.How do I turn off Windows memory Diagnostics? Left-clicking on Taskbar Monitor does nothing, however if you right-click on it, you will see a menu appear. You cannot resize the toolbar, but the deskband's interface sort of scales up if you resize the entire taskbar. So, you can tell a resource usage is high or low/normal, just by looking at the graph as it spikes up or jumps back down. It may not be useful at first glance, but it is handy as it gets updated in real-time. ![]() Each of these bars has a graphical representation of the corresponding resource. The third meter represents the current disk usage in MB/s, while the last one, NET, shows the network usage in KB/s. The first one tells you the CPU usage in %, the second is the memory usage (in GB). They have a number at the top, which indicates each resource's stats. You should see the bar appear near the system tray, if it doesn't show up, you may have to re-select it from the toolbar menu. Go to the toolbar menu and select Taskbar Monitor. ![]() Some activities of very large scale (horse racing, lotteries) usually require commercial and professional organizations to present and maintain them efficiently. ![]() Commercial establishments such as casinos and racetracks may organize gambling when a portion of the money wagered by patrons can be easily acquired by participation as a favoured party in the game, by rental of space, or by withdrawing a portion of the betting pool. ![]() In other games betting is not intrinsically part of the game, and the association is merely conventional and not necessary to the performance of the game itself (horse racing, football pools). Some games are dull or nearly meaningless without the accompanying betting activity and are rarely played unless wagering occurs (coin tossing, poker, dice games, lotteries). Thus, knowledge of the game is useful for playing poker or betting on horse racing but is of very little use for purchasing lottery tickets or playing slot machines.Ī gambler may participate in the game itself while betting on its outcome ( card games, craps), or he may be prevented from any active participation in an event in which he has a stake (professional athletics, lotteries). The rules by which gambling games are played sometimes serve to confuse the relationship between the components of the game, which depend on skill and chance, so that some players may be able to manipulate the game to serve their own interests. The outcomes of gambling games may be determined by chance alone, as in the purely random activity of a tossed pair of dice or of the ball on a roulette wheel, or by physical skill, training, or prowess in athletic contests, or by a combination of strategy and chance. Gambling, the betting or staking of something of value, with consciousness of risk and hope of gain, on the outcome of a game, a contest, or an uncertain event whose result may be determined by chance or accident or have an unexpected result by reason of the bettor’s miscalculation. SpaceNext50 Britannica presents SpaceNext50, From the race to the Moon to space stewardship, we explore a wide range of subjects that feed our curiosity about space!.Learn about the major environmental problems facing our planet and what can be done about them! Saving Earth Britannica Presents Earth’s To-Do List for the 21st Century. ![]() Britannica Beyond We’ve created a new place where questions are at the center of learning.100 Women Britannica celebrates the centennial of the Nineteenth Amendment, highlighting suffragists and history-making politicians.COVID-19 Portal While this global health crisis continues to evolve, it can be useful to look to past pandemics to better understand how to respond today.Student Portal Britannica is the ultimate student resource for key school subjects like history, government, literature, and more.Demystified Videos In Demystified, Britannica has all the answers to your burning questions.This Time in History In these videos, find out what happened this month (or any month!) in history.#WTFact Videos In #WTFact Britannica shares some of the most bizarre facts we can find.Britannica Classics Check out these retro videos from Encyclopedia Britannica’s archives.Britannica Explains In these videos, Britannica explains a variety of topics and answers frequently asked questions. ![]() Import video as a clip and save modified video and audio. Mastering quality dithering modes for downsampling audio.Ī set of templates that lets you adjust the timing and “feel” of sequences or make your own by extracting timing from existing audio material. Powers a range of instruments and devices in Live Suite, and lets you customize or build your own devices, change the way Live works, and connect Live with the world around it. Slice audio to a Drum Rack or Sampler instance.Įxtract harmony, melody or drums from an audio sample and convert it to MIDI. Start musical ideas in iOS app Note, then send them to Live using Ableton Cloud.Ĭombine multiple instruments and effects into a single device, allowing for split and layered sounds with customized Macro controlsĬombine MIDI effects into a single device, allowing for customized MIDI processing chains with simple Macro controlsĪn instrument for layering samples, synths and effects in a classic 16-pad gridĪdvanced algorithms for stretching audio, ideal for working with mixed audio or full tracks. WAV, AIFF, MP3, Ogg Vorbis, FLAC file supportĪ technology that keeps instances of Live and a growing collection of iOS apps in time over a wireless network. Generate or receive Pitch, Control, Clock and Trigger CV Set the probability that a note or drum hit will occur and let Live generate surprising variations to your patterns that change over time.ĭefine ranges for velocity probability for subtle, humanized variations in the dynamics of your patterns. Live listens to and adjusts its tempo based on incoming audio in real time, making it a dynamic part of the band instead of the tempo source that everyone has to follow. Ableton Live is a digital audio workstation developed by Ableton and is currently in its eleventh version. Recall your best ideas after you’ve played them – Capture MIDI can turn what you played into MIDI clips, without having to think about recording. Link two or more tracks to edit their content simultaneously.Īdd bends, slides and pressure for each individual note in a chord, add subtle expression variations, morph between chords and create evolving sonic textures more easily. Record multiple takes of a performance, then combine the best ones. VST2, VST3 and Audio Unit v2 and v3 support ![]() Use multiple levels of groups to mix with greater flexibility and manage detailed arrangements more easily. Articstorm +12 + 5557 / 18 warning Guests cannot leave comments to posts, amongst other things. ![]() Unlimited Instruments, Audio effects and MIDI effects per project Ableton Live Suite 11.0.11 Windows-Patched has been exclusively released on AudioZ by Articstorm who chose to ask not to post mirrors. Powerful MIDI sequencing of software and hardware instrumentsĪdvanced warping and real-time time-stretching Multitrack recording up to 32-bit/192 kHz Nondestructive editing with unlimited undo Unique Session View for quick, intuitive composition, flexible performance and improvisation Designed from the ground up with UUID support in mind.(The plugin can be installed in the Spigot plugin folder or the BungeeCord plugin folder.) LiteBans can run natively under Spigot and BungeeCord, offering the same features on both platforms. When a player changes their Minecraft name through Mojang, they will still keep their bans, mutes, and warnings.Īll punishments made through LiteBans will take effect globally across all servers linked to the same database.Īlthough LiteBans is designed to effectively synchronize between hundreds of servers, it can still work alone on a single server without a MySQL database. LiteBans is a lightweight banning plugin supporting UUIDs which allows temporary and permanent bans. The method used to download dependencies is just as secure as if the dependencies were shaded – the expected hashes of the dependencies are hard-coded, so if the downloaded dependency's hash differs, it is not saved to the filesystem.USE MYSQL, NOT H2Native Minecraft Version: Afterward, the plugin should start faster. This is normal, and can take a couple of seconds the first time. When the plugin first starts, it downloads its API and internal dependencies. LibertyBans can also be installed on the backend servers if you are willing to configure multi-instance synchronization.įor installing on the backend servers and synchronizing punishments, see the wiki for additional information.When using a single proxy, it is recommended, but not required, to install LibertyBans on the proxy itself.InstallationLibertyBans will work out-of-the-box for most users. Additionally, builds of LibertyBans are reproducible from the source code, meaning checksums can be personally verified.Ĭompatibility with Geyser/Floodgate usernames. All dependencies are automatically downloaded with secure SHA-512 hashes used to validate the downloads.You can place LibertyBans on the proxy if you use a single proxy, or on multiple backend servers. Full multi-proxy and multi-instance support.You can even tweak your connection pool and statement cache settings to fine-tune performance. Options and behaviour are fully configurable.Alts notification on join - tells staff members when a player whose suspected alt is banned or muted.Manual /alts command - shows suspected alt accounts for a player.This behavior is configurable, and you can even increase the strictness of alt-checking. By default, when using IP-bans, alts are automatically banned from joining if the main account is banned. Automatic enforcement to block alt accounts./blame - shows all the punishments a staff member has enacted./history - shows all punishments for a player.This isn't a silly plugin which stores data by player name. All player data is stored using UUIDs.Temporary versions of bans, mutes, and warns./kick, /ipkick - kicks a player or IP address./warn, /ipwarn, /unwarn, /unwarnip - warns or unwarns a player or IP address./mute, /ipmute, /unmute, /unmuteip - mutes or unmutes a player or IP address./ban, /ipban, /unban, /unbanip - bans or unbans a player or IP address.Well-structured API providing a framework for other plugins to work with the plugin.Minimal locking is employed while keeping state consistent this is mostly realised through the fact that most plugin state is maintained in the database itself. Designed for high availability and concurrency.The performance cost of context switching is understood and avoided the plugin does not blindly fire async tasks. Best practices for asynchronous calculations are followed.Data is stored in minimal form as raw bytes instead of strings. Low memory usage because punishments are stored almost completely in the database. Enhanced database-oriented performance emphasising calculations in SQL.Option to use local file-based database (HyperSQL), or remote database (MariaDB, MySQL, PostgreSQL).No complicated installation and avoids unnecessary features. It can efficiently scale to large networks and operate on single servers with minimal resources. Free software and high quality, LibertyBans is the best-designed punishment plugin. ![]() When using a proxy, sometimes Gyazo GIFs would fail to upload and this has now been fixed.When your Gyazo auto-updates a balloon will pop up with a message to let you know.In Gyazo GIF, the mouse cursor is now visible to make it easier to demo actions.JPG and GIF files will be uploaded with the same file type and will not be converted to PNG.Large images will automatically be scaled down before uploading (with an option in settings)."Send to Gyazo" by right-clicking image files.For all older versions of Gyazo please visit and click "download for free" to get the latest update.įeatures and Improvements in Gyazo 2.2 for Windows If you have updated to Gyazo version 2.1 it will update automatically and you will not have to manually download the application. ![]() We are also announcing that we will distribute certain internal tools and libraries as open source software. In hope to improving the technical level of local Kyoto-area start-ups, we are creating blog posts and spreading the word through events. We started managing over 100 million records (collections) using MongoDB from six month ago, and scaled & maintained it with very minimal management resources. MongoDB is a NoSQL database which has attracted considerable attention in recent years. This has led the company to implement the new framework and enhance productivity when developing new features. The company made the decision to migrate from PHP to Ruby on Rails in an effort to operate the service with a minimal number of staff. in Kyoto is a very small development team responsible for the transition. Available on Mac, Windows, Linux, iPhone platforms, it has over 6 million unique users, 10 million uploads, and 44 million page views monthly. If you have any better recommendation, please share it in the comment with other readers.Today we would like to share a story of technical interest to those who wonder how Gyazo manages to serve so many users.įor readers who are not as familiar with Gyazo, it is a cloud based service that can be used to capture anything on screen, and to share images and video instantly with everyone. When you have the need to record screen to GIF on Mac or PC, just pick your preferred one to start the GIF making. Surely you can upgrade to Pro or Team plans to get more features.Īfter reading this page, you can get 3 great screen to GIF recorders. You should practice more to create a good GIF. But you should know that, its free version doesn't offer any editing feature. Gyazo puts it very straight-forward to capture the screen and make a GIF. You can easily click and drag to select, release to copy a new link. From its official site you may notice that it pay main attention to the sharing function. You can find different version to record screen to GIF on Mac, Windows, iOS and Android devices. Gyazo offers an easy way to take ready-to-share screenshots, GIFs, and replay videos. Just click the record button and you can start to capturing your computer screen. You are allowed to edit your own recording and GIFs from other sources. ![]() This GIF maker also carries a useful editing feature. ![]() It allows you to adjust their screen recordings by adding frame-by-frame crop, rotate and flip effects. It has a very small size which can be easily downloaded for the GIF making. It enables you to record videos, take screenshots and use webcam and sketch board to record screen. ScreenToGif screen recorder is one popular screen capturing software which can help you make animated GIF files. NO.2 Screen to GIF Recorder - ScreentoGIF Click here to get to know some free video to GIF converters. If you are satisfied with the result, you can click the "Save" button to save the recorded screen as GIF. Step 4.After recording, you can preview the captured file. While the screen recording, you could use the "Edit" function to draw, add caption, callout, blur, and airbrush, and so on. Then you can click the REC button to start recording the screen. Step 3.Click the "Setting" icon and set the output format as "GIF". As you can see, it also enables you to record audio track and take screenshot. Step 2.When you enter the main interface, choose the "Video Recorder" option. Here you need to make sure you download the right version. As it mentioned above, it allows you to make a GIF on both Mac and Windows PC. Step 1.First, you need to free download, install and run this screen to GIF recorder on your computer. Now you can take the following guide to do it. 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The ROS nodes were written for and tested on an Nvidia Jetson AGX Orin. SPH Engineering has released a new Unmanned Aerial Vehicle (UAV)-based Remote Water Sampling System within UgCS Integrated Systems’ product line.This repository contains code necessary to run our online self-supervised river segmentation algorithm onboard a low-flying UAV. #UAV MULTISPEC WHATER IDENTIFICATION TRIAL#Ī trial flight was conducted at a Latvian lake to proceed with water sampling for subsequent analysis in a laboratory. One benefit of this new system is the possibility to take up to 1L water samples at a considerable distance from the bank or water access points (piers, bridges, etc.) or in hazardous test locations impossible for a boat or ship to navigate. The system combines a drone (either DJI M300 RTK or DJI M600 Pro drone), Ruttner water sampler, and SPH Engineering’s UgCS SkyHub onboard computer, a radar altimeter, and UgCS ground control software. #UAV MULTISPEC WHATER IDENTIFICATION PRO# Additionally, SPH Engineering has developed the messenger release device. A list with as many univariate GARCH or ARFIMA specifications of class '>uGARCHspec and '>ARFIMAspec as there will be columns in the data object passed to one of the other methods which uses a multiple specification object (fitting, filtering and forecasting). “Traditional water sampling methods require direct access to the water body and samples are gathered from the shore, pier, bridge, or boat. The identification of low-altitude and low-speed the unmanned aerial vehicle (Uav) is a popular problem in the field of computer vision.Ī sampling at some distance from the solid ground in absence of a boat or ship is impossible. A remote sampling system based on UAV solves that problem, allowing water sampling far from shore,” said Alexey Dobrovolskiy, CTO at SPH Engineering. The traditional identification method can solve most problems, but there are blind spots for low-altitude Uav. By contrast, the deep learning can better solve this problem, but the effect of CNN and other methods is poor in the case of fog. The system has been developed upon the request of the Latvian Environment, Geology, and Meteorology Сenter. According to the Сenter representative, “it is a great tool for improving safety in the water sampling process and ensuring efficiency. Such a system would be useful for institutions like the State Environmental Service to obtain a water sample from polluted waters quickly and safely. The system allows water to be taken repeatedly from the same location at a constant depth. 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