This post is currently collecting data… This is placeholder text continue reading » While many credit unions already leverage artificial intelligence for chatbots and handling simple member-facing questions and interactions, AI’s applications can—and should—be much broader. Innovative credit unions are incorporating AI into their member service strategy in new and expanded ways, including agent training and coaching or support, positioning them to more effectively serve their members. Utilizing this technology in such a manner leads to both increased efficiencies and reduced costs.Leveraging AI to assist member service representatives can be a win-win for credit unions and members. AI-driven bots can surface relevant information to agents during member interactions, relieving them from having to retrieve data from backend systems and ultimately speeding up interactions. In addition, bots can scan chats with members in real time and present suggested answers or prompts, which can be accepted, discarded or modified by the service representative, reducing time and effort for employees while improving service for members.Another key benefit of using AI coaching bots is their ability to oversee member interactions. The bots can monitor agents to make sure they are responding to members in a timely manner, help them overcome roadblocks and answer their questions correctly. This also can help keep everything running smoothly from a compliance, security and accuracy standpoint. ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
League One side Barnsley have announced the appointment of former Oldham boss Lee Johnson as the club’s new manager.Johnson, 33, currently the third youngest manager in the Football League, was unveiled at Oakwell on Wednesday afternoon after signing a contract until 2018.He becomes the Tykes’ sixth permanent manager in less than six years.Barnsley, who sacked former boss Danny Wilson 13 days ago, have agreed an undisclosed compensation package with Oldham as Johnson had signed an extended deal in January 2014 to keep him at SportsDirect.com Park until 2018.A club statement on Barnsley’s official website read: “From the outset the board determined that it was seeking young candidates with strong coaching credentials and astute tactical awareness. A clear and attractive football philosophy and a viable plan to implement that philosophy was also sought.“The board also gave some credit for a knowledge of our club’s current playing contingent, the teams in our division and proven ability to recruit players with development potential.“A small number of candidates were interviewed and Lee Johnson was selected as significantly the best of these. He met the selection criteria established and also produced a specific plan for Barnsley Football Club for his first 100 days in charge. This included a playing strategy, specific tactics, identified current weaknesses and credible recruitment targets to strengthen our team.”Johnson initially signed a two-year deal with Oldham in March 2013 and after steering them clear of relegation at the end of that campaign, he has lifted them to within two points of a play-off place on a modest budget this time around.Wilson, who led Barnsley to promotion to the Premier League in his first spell as boss in 1997, departed Oakwell on February 12 after a home defeat to Fleetwood had left the Reds in 17th place and staring at a relegation battle.Barnsley were thrashed 5-1 at Crawley in caretaker-manager Mark Burton’s first game in charge but have since secured back-to-back league wins to lift them eight points clear of the bottom four. 1 New Barnsley manager Lee Johnson
Mr. Pence said he and President Donald J. Trump welcomed the bold action taken by those countries. Story Highlights United States Vice President, Michael Pence, has hailed Jamaica and other countries in the Americas for pursuing economic reforms, and for their positive approach to growth.“Let me thank the many countries that have demonstrated courage to pursue economic reforms to empower job creation, innovators and citizens alike, from Argentina to Jamaica,” he said, as he addressed a Protocolary Meeting at the Organization of American States headquarters in Washington DC on May 7.Mr. Pence said he and President Donald J. Trump welcomed the bold action taken by those countries.“We look forward to expanding our ties of commerce and exchanges for generation to come,” he added.Jamaica’s Ambassador to the United States and Permanent Representative to the OAS, Her Excellency Audrey P. Marks, was also on hand at this special sitting of the OAS Permanent Council, called in the US Vice President’s honour.“The United States has remained committed to working with our allies and partners to ensure the safety and security of our people across the hemisphere,” he told the Permanent Council, the second highest decision-making body of the OAS after the General Assembly.Mr. Pence said that since its inception, the OAS has played a critical role is strengthening security partnership across the wider region.The Vice President said there are tremendous opportunities to forge stronger trade relationships with countries in the hemisphere, and, over the past year, his country had successfully expanded access for vital agricultural products. United States Vice President, Michael Pence, has hailed Jamaica and other countries in the Americas for pursuing economic reforms, and for their positive approach to growth.
UNICEF UK is today mourning the death of Goodwill Ambassador Lord Richard Attenborough, who has died at the age of 90.The much-honoured socially conscious actor, producer and director, Lord Richard Attenborough, was named Goodwill Ambassador for UNICEF on 27 October 1987.His appointment followed a long acquaintance with UNICEF’s field programmes and field staff, built during the filming of projects such as ‘Gandhi’ in India and ‘Cry Freedom’ in Zimbabwe. He later went on to support benefit premieres of both ‘Gandhi’ and ‘Cry Freedom’, raising over US$1 million for UNICEF-supported programmes.In his role as a Goodwill Ambassador Lord Attenborough visited UNICEF projects across the world, including trips to Thailand, Kenya, South Africa and Swaziland. While in these countries he witnessed first-hand the full scope of UNICEF’s programmes and met with Heads of State and Government and senior ministers to discuss the concerns of the children he had encountered and been impassioned by.In April 2000, he went on a mission to Mozambique to see the devastation left by the country’s worst floods in half a century. Following the trip Lord Attenborough set up a joint appeal with The Observer and UNICEF to get additional assistance to the Mozambicans. In 2007 Lord Attenborough also pledged his full support to UNICEF’s ‘Unite for Children, Unite against AIDS’ campaign.Lord Puttnam, UNICEF UK Ambassador and long time friend of Lord Attenborough, said: “Richard was an incredibly kind, generous and magnificently warm man whose strong social conscience was borne out in everything he did – from his films such as Gandhi, to his remarkable dedication and commitment to children across the world in his role as UNICEF Goodwill Ambassador. Throughout his years as a Goodwill Ambassador for UNICEF, Richard was an immensely powerful advocate for children’s issues. Through his creativity, integrity and passion he supported advocacy and fundraising initiatives, delivering amazing impact and transforming children’s lives the world over. I will miss him greatly. UNICEF will miss him greatly. Today we are all the poorer for his passing but there are thousands upon thousands of children the world over whose lives have been enriched by his living and we celebrate and are grateful for Richard’s life, his friendship and his support of UNICEF.”Born in Cambridge, United Kingdom, on 29 August 1923, Lord Attenborough, the son of a university principal, spent his childhood in Leicester. He left home at age 17 to take up a Leverhulme scholarship at the Royal Academy of Dramatic Art in London and went on to have enormous success with parallel careers in both acting and directing. He directed the movie Gandhi which won eight Oscars in 1982. Lord Attenborough was knighted by Queen Elizabeth in 1976 and became Lord Richard Attenborough after he was granted a life peerage in 1993.UNICEF UK President Lord Ashdown said: “Today we mourn the loss of a much-loved and respected member of the UNICEF family. Lord Attenborough was a giant of a man with the gentlest of manners whose support of UNICEF’s work for children was unwavering and inspiring. In his role as UNICEF Goodwill Ambassador he raised millions of pounds and spoke up for children across the world who are not able to speak out or be heard on their own. He turned the volume up, and focused our attention, on some of the biggest challenges facing children around the world. UNICEF is greatly indebted to Lord Attenborough for his dedication and commitment to our work.”Lord Ashdown extends the greatest sympathy of everyone at UNICEF UK to Lord Attenborough’s family at this sad time.
Hot Takedown More: Apple Podcasts | ESPN App | RSS | Embed Welcome to this week’s episode of “Hot Takedown,” our podcast where the hot sports takes of the week meet the numbers that prove them right or tear them down. On this week’s show (May 19, 2015), we look at the matchups in the NBA’s conference finals, whether the Houston Rockets are winning with analytics and why the Clippers collapsed. Nate Silver discusses why the New York Rangers continue to win so many close NHL games. And we ponder whether baseball needs even more statistical analysis as MLB embraces Statcast. Plus, our Significant Digit of the week on Chelsea’s oft-disciplined Cesc Fabregas.Stream the episode by clicking the play button, or subscribe using one of the podcast clients we’ve linked to above.Below are some links to what we discuss in this week’s show:The Clippers’ win probability during Game 6 against the Rockets peaked at 98 percent.Stephen Curry is unguardable.Lebron James is dominant in the conference finals.The future of MLB stats and video tracking.Analyst vs. Statcast, who should you trust?Nate Silver on postseason goaltending and the Rangers’ ability to win close game after close game.Significant Digit: 14 points. In a game in which Chelsea clinched the Premier League title, Cesc Fabregas also pulled into a tie for the most discipline points among all players. If you’re a fan of our podcasts, be sure to subscribe on Apple Podcasts and leave a rating/review. That helps spread the word to other listeners. And get in touch by email, on Twitter or in the comments. Tell us what you think, send us hot takes to discuss and tell us why we’re wrong. Embed Code
With three NBA championships over the past four seasons, the Golden State Warriors are a bona fide dynasty. Regardless of how you feel about its 2016 acquisition of Kevin Durant, which lifted an already historic team to an entirely new level of dominance, Golden State has done something special: Only seven NBA teams1Among four different franchises. have ever pulled off the three-rings-in-four-years trick. Even for the most talented roster ever, that’s not an easy thing to accomplish.The league’s history is, in many ways, defined by its dynasties in a manner that other sports aren’t, and the Warriors are nothing if not the defining team of our current era. But where do they rank in comparison with those other dynastic teams from years past? Although there’s no definitively correct answer, it’s still fun to argue. So we thought we’d fact-check Golden State’s case using our Elo ratings, which are designed to measure a team’s inherent strength at any given moment.Let’s start with the best runs of four consecutive seasons according to the method we favor for judging historical Elo seasons: a blend2Using the harmonic mean. of a team’s final, peak and full-season-average ratings.3For the latter two categories, we exclude the first 20 games of the season, to give a team the chance to stabilize during the season in question. To ensure that a team rated highly every year, I took the harmonic mean of its blended rating from each of the four seasons. Here are the all-time rankings, excluding any duplicates from the same franchise over the same span of years: The Warriors are Elo’s most impressive NBA dynastyHighest multiyear blended Elo rating relative to expectation for a championship-caliber team for NBA franchises that won at least three titles in a span of 10 or fewer years, 1948-2018 San Antonio Spurs2013-1611736 Golden State Warriors2015-1831789 Golden State Warriors2015-183 of 41789+188 Detroit Pistons1987-9021695 A “championship-caliber” team starts out with an Elo of 1600, and dynasties are measured against what we’d project that team’s multiyear blended Elo to be after a given number of years.For franchises that made the list multiple times in a given time period, only their highest-rated stretch during the span was included.Source: Basketball-Reference.com Chicago Bulls1991-9431717 Miami Heat2005-143 of 101596+39 Los Angeles Lakers1998-043 of 71684+112 According to Elo, the Warriors of the past few years have snapped off what is easily the best stretch of four consecutive seasons any NBA team has ever had. By that standard, then, they absolutely belong in the conversation of the league’s greatest dynasties. But of course, they’ve also only had four dynasty-level seasons to speak of. As hard as it is to remember what things were like before the Warriors started dominating, Golden State’s reign has been brief in dynasty terms.So how should we measure the Warriors’ four-year stretch against, say, the Chicago Bulls’ pair of three-peats in the 1990s or the Boston Celtics’ ridiculous championship monopoly of the 1960s?To help put various dynastic runs on equal footing, I began with a thought experiment: How easily would a generic championship-caliber team be able to match a given multiyear run from NBA history? The most difficult-to-replicate stretches are, by definition, the most impressive ones — and in my conception, make for the best dynasties — because a normal contending team is so unlikely to pull them off.As a way of quantifying this, I assigned our generic team a preseason Elo rating of 1600, aka the average preseason Elo for NBA champs since 1948. I then ran a series of regressions to determine what we’d expect its average blended Elo over the next given stretch of seasons to be and compared every possible stretch of seasons in each franchise’s history to those expected ratings. I isolated things down to NBA teams that won at least three championships in a span of 10 or fewer years and tossed out overlapping runs from the same franchise that didn’t prove to be more impressive than other, higher-ranking ones. The dynastic runs we’re left with are the most successful — i.e., the most difficult to replicate — out of all possible multiyear periods in NBA history.As you can see in the table below, the most impressive period for one team might last only three years, while another’s could span an entire decade. For example, the current Warriors’ best period came over the 2015 to 2018 period, because their four-year mark of 1789 was 188 points higher than what we’d expect our generic contender’s average blended Elo over the next four seasons to be. Another example: The San Antonio Spurs’ best run came over 10 seasons, from 1998-99 to 2007-08,4Yes, 2008 is included despite San Antonio’s burst of championships (which started in 1999) temporarily being put on hold after 2007. Our method thinks extending their Elo run into a very good 10th season was more impressive than if we simply look at things after their 2007 championship season. during which time they had a blended Elo rating of 1702 — 145 points better than we’d expect that generic championship-caliber team to do over a 10-season period. Some franchises, like the Bulls, are listed twice in rapid succession, because they had multiple short runs that were highly impressive and didn’t overlap.Here’s Elo’s ranking of all-time NBA dynasties: Utah Jazz1995-9801702 * Using the harmonic mean.Source: Basketball-Reference.com TeamSeasonsChampionshipsBlended Elovs. Exp. Los Angeles Lakers2000-0331703 Philadelphia 76ers1980-8311698 Boston Celtics1980-873 of 81696+130 Chicago Bulls1996-983 of 31793+181 Chicago Bulls1991-933 of 31746+134 Miami Heat2011-1421702 Elo’s best four-year runsHighest average* blended Elo across four consecutive seasons for NBA franchises, 1948-18 Los Angeles Lakers1982-914 of 101685+128 Chicago Bulls1995-9831745 TeamSeasonsTitles4-Year Blended Elo San Antonio Spurs1999-084 of 101702+145 Boston Celtics1984-8721716 Milwaukee Bucks1971-7411701 Los Angeles Lakers2008-1121706 Boston Celtics1959-678 of 91676+115 Oklahoma City Thunder2011-1401692 Minneapolis Lakers1949-545 of 61651+72 Los Angeles Lakers1985-8831715 San Antonio Spurs2003-0621719 Even compared with other dynasties, the current Warriors and Michael Jordan’s second Bulls three-peat stand out. Our method says that it is slightly more difficult for a typical championship contender to replicate Golden State’s four-year run than Chicago’s three-year stretch, but that’s just splitting hairs. Either dynasty could be considered the GOAT, which is truly a testament to the impressiveness of what the Warriors are currently doing.A few notes on the rest of the list: The Spurs dynasty is difficult to pin down — we once coined the term “Grover Cleveland” (instead of the often overused D-word) for teams like San Antonio that won multiple championships but never consecutively5Cleveland was famously the only president in history to serve multiple non-consecutive terms. — but this approach considers their most difficult-to-duplicate period to be that aforementioned decade from 1999 to 2008. It also considers the Shaq-and-Kobe Lakers’ best run to be the seven seasons from 1997-98 to 2003-04, which includes (but is not limited to) the 1999-2000 through 2001-02 three-peat that most fans consider to be their dynastic peak.The Russell-era Celtics strike me as surprisingly low on the list, perhaps as a consequence of only examining 10-year windows of time at a maximum (the Celtics won 11 rings in 13 seasons, from 1957 to 1969). But Elo also has never been all that high on those Boston teams, with only one — the 1965 version — even cracking the top 50 for single seasons. In some ways, those Celtics were a very early prototype for today’s superteams who pace themselves through the regular season and then peak during the playoffs: Boston won 60-plus games in only two of their 11 championship seasons during that span and won a pair of titles with fewer than 50 regular-season wins.6Granted, in schedules shorter than today’s 82-game slate. However conducive that was to winning championships, it didn’t help earn the Celtics many Elo brownie points.Finally, Dwyane Wade’s Miami Heat also qualify for this list, although they’re not necessarily a “dynasty” that many people think of when perusing the annals of NBA history. Between Wade’s Finals MVP turn in 2006 and the two rings they tacked on after LeBron James and Chris Bosh joined the team in 2010 — plus a number of solid seasons in between7Avert your eyes from 2008! — the Heat could be considered a dynasty if you squint hard enough. If so, however, it also makes sense for them to be stashed away at the very bottom of the rankings here.But back to the Warriors. Elo already considers them to be on par with the greatest dynasties the game has ever seen, and as my colleague Chris Herring wrote over the weekend, they also seem poised to keep their core together longer than most. Although the end does come sooner for these types of teams than we tend to think while we’re in the middle of their dominance, Golden State now has a chance to build on what it’s already accomplished and solidify itself as the clear No. 1 choice among the NBA’s all-time dynasties. Let’s see if they can take advantage of the opportunity.
Aben Resources (TSX.V: ABN) is a Canadian gold and silver exploration company with a focus on developing properties in the Yukon. The Company’s flagship project is its 100% owned Justin Gold Project located 35 kilometres southeast of the Cantung Mine and has an all season road running through its claims. A phase one drill program was carried out in 2011 on the 18,314 acre Justin Project in which a significant new greenfields gold discovery was made at the property’s POW Zone. The Company intercepted 60 metres of 1.19 g/t gold in hole JN11009 at a vertical depth of 113 metres. Additionally, a new high grade silver-copper zone was discovered at the Kangas Zone with hole JN11003 returning 1.07 metres of 7320 g/t silver (234 oz/ton) and 3.52% copper near surface. As a result of these discoveries on the Justin Project, Aben acquired 14,274 additional acres of mineral tenure in the immediate vicinity of the project to facilitate a more aggressive work program this upcoming season. The Company has four other prospective Yukon and NWT projects in its portfolio along with a seasoned management and geological team. Aben’s chairman, Ron Netolitzky, is credited with exploration success on numerous properties including three Western Canadian gold and silver projects which became producing mines. Please visit our website to learn more about the company and request information. We seem to be in a holding pattern of sorts…losing ground in the London market…and then gaining it all back in New York, or vice versa.The gold price was under light selling pressure during most of the Far East trading day on Wednesday…and this pressure intensified shortly before 10:00 a.m. in London…and the low of the day…$1,603.40 spot…came about 1:15 p.m. BST…or about five minutes before the 8:20 a.m. Eastern time Comex open.From that low, the gold price tacked on a quick fifteen bucks by 9:40 a.m. Eastern time, which may or may not have been an early London p.m. gold fix. But from that high tick…which was $1,617.90 spot…either the price got capped, or the buyer disappeared…and the gold price chopped lower into the 5:15 p.m. close of electronic trading in New York.Net gold volume was ultra-light once again…around 91,000 contracts…and gold closed up 30 cents from Tuesday…and an even dollar from Monday’s close. You have to wonder if a trader for JPMorgan et al is winning some sort of prize for getting those three days of closes so close together.Silver’s price pattern was virtually the same as gold’s, but with more ‘volatility’. The only major difference being the timing of the high tick of the day…which was $28.37 spot. That came around 11:35 a.m. Eastern…almost two hours after gold’s high. From that high, silver got sold off more than a percent going into the close. The low tick in New York came right at the New York open…and that was $27.67 spot, so silver had quite a trading range…2.5% to be exact.Net volume was very light once again…around 23,000 contracts…and silver closed at $28.04 spot, down a nickel from Tuesday.The dollar index chopped higher in a fairly narrow range…with the high tick of the day [82.77], such as it was, coming at 9:00 a.m. Eastern time right on the button. From that high, the index rolled over…and hit its New York low [82.52] shortly after 11:00 a.m…which was silver’s low tick of the day.From there it rallied a bit until precisely 2:00 p.m. Eastern…and then slid lower in the close, finishing Wednesday just about where it closed on Tuesday…and Monday as well….around the 82.30 mark.The stocks rose about a percent…and then traded sideways in a narrow range right up until 2:00 p.m. in New York. Then a sell-off began…and the stocks got sold down and the HUI closed the trading day almost on its low…down 0.68%.With the odd exception, the silver stocks finished down across the board, but not by a whole lot. Bu the stocks that mattered finished higher on the day…and Nick Laird’s Silver Sentiment Index close up 0.55%.(Click on image to enlarge)The CME’s Daily Delivery Report showed that 283 gold and zero silver contracts were posted for delivery in the Comex-approved warehouses on Friday. The biggest short/issuer by far was the Bank of Nova Scotia with 207 contracts…and the two biggest stoppers were HSBC USA and Deutsche Bank with 162 and 92 contracts respectively. The link to yesterday’s Issuers and Stoppers Report is here.There were no reported changes in either GLD or SLV…and no sales report from the U.S. Mint.The Comex-approved warehouses had more activity to report on Tuesday. They received 209,675 troy ounces of silver…and shipped 654,826 ounces of the stuff out the door.Happily, I don’t have that many stories today…and a lot of the ones I do have are precious metal related, so I hope you at least have time for those.With volumes as low as they were yesterday, I’m not prepared to read a lot into what happened in gold and silver during the New York trading session, although it was rather mysterious to see the rallies in both gold and silver come to a screaming halt before they got much above their Tuesday close. These rallies only involved gold and silver. Both platinum and palladium were unaffected.As I’ve mentioned on several occasions over the summer, we seem to be in a holding pattern of sorts…losing ground in the London market…and then gaining it all back in New York, or vice versa. Sort of two steps back and then two steps forward…and any semi-serious gains are conveniently sold off after the high tick of the day is in, in New York. I wouldn’t have to use more than half the fingers on one hand [not including my thumb] to count the number of times that either gold or silver have closed on their high tick of the day in the New York Access Market this year, as it just ain’t allowed to happen.As per usual, there was no price activity in either silver or gold during the Far East trading session on their Thursday…and little is happening now that London has been open a couple of hours. Volumes, once again, are vanishingly small…and the dollar index is comatose.The “dog days” of summer are such a pain when you’re waiting for events to unfold. I think I’ll pour myself a glass of wine…and then change the batteries in my belly button lint brush.See you on Friday. Sponsor Advertisement
A disabled woman who lost her disability benefits because of a controversial reassessment process took her own life just two days after being told her appeal had failed.The body of Susan Margaret Roberts (pictured) was discovered by a care worker at her warden-assisted flat near Tunbridge Wells, Kent, surrounded by letters telling her that she would not be entitled to the government’s new personal independence payment (PIP).The long-term claimant of disability living allowance (DLA) had also placed a “do not resuscitate” (DNR) note by her side.There have been many cases involving deaths connected with claims for out-of-work disability benefits and the work capability assessment (WCA) system, but this appears to be the first time a death has been closely linked to someone losing their support in the move from DLA to PIP.An inquest into the 68-year-old’s death did not record a verdict of suicide, and no-one from the Department for Work and Pensions (DWP) or its assessment contractor Atos gave evidence at the hearing last September.But her daughter, Hayley Storrow-Servranckx, is convinced that she would still be alive today if it was not for the flawed PIP assessment system.She told Disability News Service (DNS): “If it wasn’t for PIP, my mum would still be here.”DNS has collected more than 100 cases of PIP claimants who have raised serious concerns about their assessments, following a two-month investigation that suggested an institutional problem that spreads across DWP and the two private sector contractors – Atos and Capita – that assess PIP eligibility on its behalf.Susan Margaret Roberts died on 19 May last year, just two days after receiving a letter from a benefits tribunal telling her she had lost her appeal against the PIP decision.She had had to return her Motability vehicle several weeks earlier, as a result of the DWP decision to refuse her PIP claim.Storrow-Servranckx is determined to secure answers from DWP and Atos, the company that carried out her mother’s face-to-face PIP assessment.She said: “I want their apologies, and I want to know that they are going to try their hardest to change things, so it doesn’t happen to other people.“There needs to be a change. They are killing people. It can’t happen to other people.“It has just left so much destruction. I wouldn’t wish that on anybody.”She added: “I don’t want them to get away with it. I want them to know that my mum existed.“I feel like they killed her. That’s how I feel.”Her mother had a number of long-term health conditions, including significant mental distress and “very severe” fibromyalgia – which meant she often slept all day and night, except for a few hours every evening – had had four major heart attacks, and had a serious bowel disorder that meant she needed daily colonic irrigation.She had previously received an indefinite award of DLA, at the higher rate of mobility and the lower rate of care.But after her PIP assessment last year, she was awarded just six points for the descriptors that are used to decide eligibility, which meant she was told she was ineligible for PIP, even though her impairments meant that she had to be visited by care workers every day.Storrow-Servranckx, who is herself disabled and receives PIP, said: “When they found her, she was surrounded by her PIP letters and her DNR letter.“Her PIP letters were never out. She always kept them filed away.”John McArdle, co-founder of Black Triangle Campaign, said the case was “utterly heart-rending”.He said: “The catalyst for the establishment of Black Triangle Campaign was the suicide of our friend Paul Reekie of Leith, Edinburgh, following a WCA carried out by Atos.“These circumstances are remarkably similar to what happened to Paul, only this time the suicide occurred following a PIP assessment carried out by the same firm. “Like the WCA, the PIP assessment is underpinned by the so-called ‘biopsychosocial model’ of disability created by the corrupt and predatory US medical insurance industry.“It was designed with the express purpose of denying disability claims so as to maximise profits: it is as far away from evidenced-based medicine as it is possible to get. It is also lethal. “If we truly lived in a civilised society operating under the principles of justice and the rule of law there would be an immediate police investigation into all the circumstances surrounding Susan’s death – leading to the prosecution of all concerned, including crown servants and ministers working out of the DWP.” He added: “We cannot even begin to imagine the suffering that this tragedy has inflicted upon Hayley.“There can be few things in this life more painful than losing a mum before their time, owing to the despicable actions of this government and it’s henchmen and women who operate this disability assessment regime. “What have we as a country become? We demand justice for Susan and for all victims of this barbaric and hateful system.”Storrow-Servranckx believes there are important questions over the way her mother’s PIP claim was dealt with.Among them are an apparent refusal to accept further evidence that she wanted to submit about her claim.On an envelope containing a letter her mother said she was not allowed to submit to DWP was written a scribbled note in her hand-writing, which said: “This is my evidence that the DWP would not send to them in response to their first letter of refusal of my claim.“It contains information that is crucial to my claim. Reconsideration ie the mandatory notice was made without this.“I would be very grateful if you could consider the contents yourselves.”Her family have not yet seen the assessment report that was completed by an Atos assessor and led to her being given only six “descriptor” points and therefore ineligible for PIP.A DWP spokeswoman said: “Suicide is a tragic and complex issue. Our thoughts are with Mrs Roberts’ family but there is no evidence to suggest any link between her death and her benefit claim.“She said neither DWP nor Atos believed they had made any mistakes in this case, and pointed out that the independent tribunal had “upheld the original decision”.Asked if DWP believed that the report written by the Atos assessor was fit for purpose, accurate and an honest representation of the impact of the claimant’s impairment, she said: “Decisions for PIP are made following consideration of all the information provided by the claimant, including supporting evidence from their GP or medical specialist.“The independent tribunal upheld the original decision.”She said the department did not accept that Roberts was refused permission to submit further medical evidence.She said: “Claimants are always welcome to supply further medical evidence, but it is not guaranteed that it will change a PIP decision.“Mrs Roberts was informed of this during [a] phone call on 24 February.“We want to use the widest range of evidence when we assess PIP claims, so we encourage claimants to provide us with any relevant evidence or information they already have that explains how their condition affects them.”A spokeswoman for Motability said: “We were unaware of Miss Roberts’ death before your email and would like to offer our condolences to her family.“Although Motability works closely with the DWP on issues related to the Motability scheme, Motability has never had any role in determining who should receive DLA or PIP; that is solely the responsibility of the DWP.“As such, we are unable to comment on the assessment process.”