You have entered an incorrect email address! Please enter your email address here Please enter your name here The Anatomy of Fear Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 From the Orange County Newsroom When tragedy struck in January 2018 at the intersection of Pershing Ave. and Redditt Road in Orlando, it was a reminder of the importance of traffic and pedestrian safety, but the subsequent action taken by Orange County Government is also a reminder of how local governments can listen to residents in order to make a difference.Irma Morales, 73, lost her life while crossing that intersection, and her sister, Pat Santiago, wanted to ensure she did not die in vain. She reached out to Lauren Torres, project manager in the Orange County Public Works Department Traffic Engineering Division, and she spoke with her about the need to make the intersection safer.“I wanted to make sure we fixed the issue,” said Torres, who conversed with Santiago several times regarding her safety concerns at that intersection. “It didn’t have a crosswalk, but it definitely warranted one.”Torres put a plan in motion, and the $13,000 crosswalk project was completed in February. Just one month after the accident, the intersection was safer for pedestrians.An Eye on SafetyLast year alone, Orange County’s Traffic Engineering Division received 5,622 requests through OCFL 311, the mobile app that allows residents the ability to report non-emergency community incidents efficiently and conveniently. The division handles calls related to pedestrian and cyclist safety, as well as school-related traffic safety.“Just about everything comes our way,” said Torres. “The things we typically hear include, ‘There’s no sidewalk here,’ ‘This isn’t a safe crossing,’ ‘My child crosses here every day,’ ‘People are speeding,’ or ‘This signal isn’t long enough for me to cross over.’”On a daily basis, the team reviews crash data to determine how to make intersections safer. Anytime a traffic-related fatality occurs within the County, as was the case in Jan. 2018, Traffic Engineering looks into it. They also meet with the Florida Department of Transportation quarterly to go over project ideas and funding mechanisms to get those projects moving forward. Additionally, they meet regularly with a community traffic safety team, a student pedestrian safety committee, Florida Highway Patrol, Orange County Sheriff’s Office, Orange County Public Schools, and the cities of Lake Mary, Winter Park and Orlando.When Santiago first contacted Torres, the team set up a field review to study the intersection and brainstorm possible solutions. “Everyone is under the impression it was just us, but the Highway Construction Division was also involved,” asserted Torres. “We pulled together and worked collaboratively to get it done.”Torres describes OCFL 311 as a great communications tool because residents experience traffic-safety issues every day across the entire County. She also empathizes with people’s frustrations because remedying these issues takes time. “A traffic signal can take up to nine months to make and be delivered,” she admitted, “but I believe everyone wants the same thing – for residents and visitors to be safer. I don’t think there’s anyone here who doesn’t want that.”Traffic Engineering takes a proactive approach to identifying traffic safety issues. The team is constantly engaging with the community – talking with parents, students, educators, law enforcement, local municipalities and civic leaders – to listen to their concerns and suggestions.“We attend many HOA meetings and conduct small area studies and road safety audits,” added Torres. “This year we’re walking an entire neighborhood looking for solutions for their safety-related issues. We have certain communities that call all the time, but there are other communities that don’t realize if they have an issue with parking or a sidewalk, they can call us.”The goal for Torres and the Traffic Engineering team is to reach all communities and make Orange County roads safer for everyone.To report any suggestions to Orange County Public Works, contact 311, download the 311 app or visit www.ocfl.net/311. Save my name, email, and website in this browser for the next time I comment. Share on Facebook Tweet on Twitter TAGSOrange Countytraffic Previous articleCommunity-based leadership at Black Churches: Let’s Talk About ItNext articleLake Apopka Natural Gas District turns 60 Denise Connell RELATED ARTICLESMORE FROM AUTHOR Please enter your comment! LEAVE A REPLY Cancel reply Support conservation and fish with NEW Florida specialty license plate
CopyHouses, Houses Interiors•New Delhi, India Projects Terrace Folly 2 / Harsh Vardhan Jain ArchitectsSave this projectSaveTerrace Folly 2 / Harsh Vardhan Jain ArchitectsSave this picture!© Niveditaa Gupta+ 14Curated by María Francisca González Share ArchDaily CopyAbout this officeHarsh Vardhan Jain ArchitectsOfficeFollowProductsWoodGlassStone#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesInterior DesignResidential InteriorsHouse InteriorsNew DelhiIndiaPublished on September 08, 2018Cite: “Terrace Folly 2 / Harsh Vardhan Jain Architects” 07 Sep 2018. ArchDaily. Accessed 11 Jun 2021.
Historic Chapman Stables Housing Community / Studio Twenty Seven Architecture Christopher Consultants Manufacturers: Daltile, Kawneer, La Cantina, Loewen, Windsor, Columbia Green and Carlisle, Fabral, SalterspiralStair.com, Silbonite Area: 10033 m² Year Completion year of this architecture project MEP Engineer: Projects Save this picture!© Anice Hoachlander, Hoachlander Davis Photography+ 22Curated by Paula Pintos Share Photographs: Anice Hoachlander, Hoachlander Davis Photography Manufacturers Brands with products used in this architecture project United States Apartments Architects: Studio Twenty Seven Architecture Area Area of this architecture project CopyApartments•Washington, United States Year: Civil Engineers: ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/932488/historic-chapman-stables-housing-community-studio-twenty-seven-architecture Clipboard “COPY” Lead Architects: ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/932488/historic-chapman-stables-housing-community-studio-twenty-seven-architecture Clipboard Photographs John K Burke, Principal, Niki Livingston, Jim Spearman, Allyson Klinner Meta Engineers ArchDaily 2018 Structural Engineer:Ehlert BryanLandscape Engineers:Clinton & AssociatesCity:WashingtonCountry:United StatesMore SpecsLess SpecsSave this picture!© Anice Hoachlander, Hoachlander Davis PhotographyRecommended ProductsCompositesNeolithNeolith in Chase CenterFiber Cements / CementsDuctal®Ductal® Cladding Panels (EU)WoodEGGERLaminatesWindowsVitrocsaMinimalist Window – SlidingText description provided by the architects. A housing community is the latest reincarnation of this one hundred and ten-year-old structure. Built by J. Edward Chapman in 1908 over the remnants of his horse stable destroyed by fire and his old coal yard sales shed, Chapman Coal Company Garage and Stables represents a significant contribution to the broad patterns of history and embodies distinctive characteristics of early twentieth century life in Washington, DC. For these reasons the building and site are listed on the National Register of Historic Places. The identity of the new housing community is derived from this rich history.Save this picture!© Anice Hoachlander, Hoachlander Davis PhotographyThe design includes a five-story addition to the site that totals 114 affordable and market-rate living units. The development celebrates this historic resource by preserving the early 20th cen-tury light industrial detailing of the building. The lobby is now located off the shaft that was used as an automobile elevator to lift Ford Model-Ts and other vehicles to their service bays. Former automotive service spaces with terrazzo floors have become living units opening to a densely planted front garden.Save this picture!© Anice Hoachlander, Hoachlander Davis PhotographyNew housing units on the roof of the historic structure recall the form of “light monitors” that present in the original garage to allow northern light to illumi-nate workspaces. Sightlines were carefully considered so that the new housing units on the roof are not visible from the street.Save this picture!© Anice Hoachlander, Hoachlander Davis PhotographyProject gallerySee allShow lessMausoleum of the Martyrdom of Polish Villages / Nizio Design InternationalIn ProgressVim & Vigor Gym / Rabih Geha ArchitectsSelected ProjectsProject locationAddress:57 N St NW, Washington, DC 20001, United StatesLocation to be used only as a reference. It could indicate city/country but not exact address. Share Historic Chapman Stables Housing Community / Studio Twenty Seven ArchitectureSave this projectSaveHistoric Chapman Stables Housing Community / Studio Twenty Seven Architecture “COPY” CopyAbout this officeStudio Twenty Seven ArchitectureOfficeFollow#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousingApartmentsWashingtonOn FacebookUnited StatesPublished on January 25, 2020Cite: “Historic Chapman Stables Housing Community / Studio Twenty Seven Architecture” 24 Jan 2020. ArchDaily. Accessed 10 Jun 2021.
AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis4 Melanie May | 20 April 2020 | News [youtube height=”450″width=”800″]https://youtu.be/eyFsXUfv4Fw[/youtube] “Our income largely comes from street sales and without our vendors on the streets we are losing our ability to directly provide them with a source on income. They desperately need our help and we have continued to adapt to the situation, by launching our new app.“We are so pleased that we were able to work with Pugpig on the app so that new and existing readers are able to keep reading and supporting The Big Issue throughout this incredibly tough time. The money raised will help to secure the future of the magazine and make a real difference to the lives of our vendors around the country.” 842 total views, 2 views today The Big Issue has partnered with publishing platform Pugpig to launch an app and digital edition to maximise sales and support vendors during the COVID-19 crisis.The Big Issue app provides access for to the weekly publication as well as the “The Big Community”: a curated channel providing positive and inspiring stories focused on the people and businesses coming together in this crisis to support the most vulnerable in society.The app was designed by the team at Pugpig at no cost to The Big Issue, and is free to download from Apple Store and Google Play. It will make the magazine accessible through weekly downloads at £2.99 for a copy or via subscriptions, starting from £32.99 for three months. Of magazine sales through the app, 50% of the net proceeds will go directly to supporting Big Issue vendors.The app is fully optimised for iPad and iPhone, and readers can save their favourite articles to the Saved Articles section, as well as choose the number of issues saved on devices, and download the edition to read offline.Joe Wicks, ‘the nation’s P.E. teacher’, is supporting the app launch and is the cover star of the first edition of the magazine to go live on it. Tagged with: app COVID-19 mobile Big Issue launches app & digital edition to support vendors during Covid-19 About Melanie May Melanie May is a journalist and copywriter specialising in writing both for and about the charity and marketing services sectors since 2001. She can be reached via www.thepurplepim.com. 843 total views, 3 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis4 Joe Wicks said:“Since the Coronavirus crisis hit the UK, Big Issue vendors haven’t been able to sell on the streets. We need to ensure that, once this is all over, it’s still here to support vendors to earn a legitimate income and lift themselves out of poverty.”Russell Blackman, MD, at The Big Issue, said: Advertisement
Twitter Limerick’s National Camogie League double header to be streamed live Limerick Artist ‘Willzee’ releases new Music Video – “A Dream of Peace” TAGSlimerickmissingPatrick Higgins NewsBreaking newsLimerickLimerick man missing since New Years Day foundBy Staff Reporter – January 3, 2018 5410 Previous articleLimerick quays flooding as #StormEleanor hitsNext articleGardai investigating incident where Limerick driver hijacked Staff Reporterhttp://www.limerickpost.ie WhatsApp Linkedin Email Print WATCH: “Everyone is fighting so hard to get on” – Pat Ryan on competitive camogie squads UPDATE – Patrick Higgins found safe and well.Gardaí in Roxboro Road Garda station wish to seek the assistance of the public in tracing the whereabouts of a 46-year-old Limerick man missing since New Years Day.Patrick Higgins has been missing since New Year’s morning.Patrick was last seen at approximately 10.50am in the John Carew Park area of Limerick City.Sign up for the weekly Limerick Post newsletter Sign Up Patrick is described as 5’7″ of medium build, blue eyes and a shaven head. When last seen he was wearing a grey hoodie with Crosshatch written on the sleeves in navy writing. Navy denim jeans and navy Timberland shoes. He wore a white sweater under the hoodie.Gardai and Patrick’s family are very concerned for Patrick and anyone with information is asked to contact Roxboro Rd Garda station Garda Station on 061 214340, the Garda Confidential Line on 1800 666 111 or any Garda station. Facebook Advertisement RELATED ARTICLESMORE FROM AUTHOR Predictions on the future of learning discussed at Limerick Lifelong Learning Festival Limerick Ladies National Football League opener to be streamed live Billy Lee names strong Limerick side to take on Wicklow in crucial Division 3 clash
Servicers Navigate the Post-Pandemic World 2 days ago Subscribe Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago July 9, 2018 1,260 Views Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago in Daily Dose, Featured, Market Studies, News The Best Markets For Residential Property Investors 2 days ago About Author: Scott Morgan Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Fannie Weighs in on Homebuyer Sentiments Related Articles Previous: HELOC Equity Withdrawals Hit a Low Next: Is Homeownership Living Up to Its Potential? Data Provider Black Knight to Acquire Top of Mind 2 days ago Tagged with: consumers Home Prices Home Sellers Homebuyers Homes HOUSING Inventory Jobs consumers Home Prices Home Sellers Homebuyers Homes HOUSING Inventory Jobs 2018-07-09 Radhika Ojha Print This Post Scott Morgan is a multi-award-winning journalist and editor based out of Texas. During his 11 years as a newspaper journalist, he wrote more than 4,000 published pieces. He’s been recognized for his work since 2001, and his creative writing continues to win acclaim from readers and fellow writers alike. He is also a creative writing teacher and the author of several books, from short fiction to written works about writing. Share Save Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago American homebuyers were feeling a little less positive about buying a home, but homeowners were a little more positive about selling one in June, according to Fannie Mae. The agency’s June Home Purchase Sentiment Index (HPSI) dropped 1.6 points from May. That brings the index total to 90.7.However, June’s numbers are down compared to April and May’s HPSI totals, which were the highest on record. The index is up 2.4 percent from a year ago. Overall, the index has been on a fairly steady climb since 2011, a few drops aside. And despite the dropoff from May, June’s numbers seemed generally cheerful. Also, the net share of respondents who said now is a good time to buy a home actually remained unchanged in June, and the net share who said that now is a good time to sell increased 1 percent.Compared to two years ago, sentiment towards selling is dramatically higher. In June of 2016, the share of respondents bullish on it being the best time to sell was 18 percent. Last month it was 47 percent. Meanwhile, the share who said it’s a good time to sell has been largely level, right around a steady 30 percent, these past two years.These numbers suggest to Fannie Mae’s SVP and chief economist Doug Duncan that the index might have reached its plateau point. “Tight supply and lackluster income growth continue to weigh on housing activity, and consumer expectations for home price growth over the next 12 months have moderated,” Duncan said. “However, consumers expressed increased optimism about the direction of the economy and their personal financial situations over the next 12 months, with both measures matching previous survey highs this month.”Americans were also less worried about losing their jobs. The net share of those worried dropped 2 percent (to 76 percent), while those saying they made a lot less money than a year ago also dropped 2 percent (to 19 percent).Four percent fewer people said they believe mortgage rates will go down over the next year, and 3 percent fewer said they think housing prices will keep climbing through next year. Demand Propels Home Prices Upward 2 days ago Home / Daily Dose / Fannie Weighs in on Homebuyer Sentiments Sign up for DS News Daily
Sign up for DS News Daily Tagged with: Banking Federal Reserve Interest rates Mortgage-Backed Securities Citing a strong labor market, increased household spending, and a lower unemployment rate, the Federal Reserve announced that it will be keeping the federal funds rate at 2.25 to 2.50 percent. Wednesday’s statement announced that The Board of Governors of the Federal Reserve System voted unanimously to set the interest rate paid on required and excess reserve balances at 2.35 percent.“The Fed held rates steady today,” said realtor.com Chief Economist Danielle Hale. “Data since the last FOMC meeting has been positive, with stronger than expected readings on March jobs and first quarter GDP. The only laggard is inflation, which continues to fall below the Fed’s target. While the late 1970s were characterized by stagflation — weak economic growth and stubbornly high inflation — the late 2010s are notable for the opposite — decent economic growth and stubbornly low inflation. The playbook for responding to these conditions is less-well developed, hence the need for patience.”The Federal Open Market Committee (FOMC) directed the Open Market Desk at the Federal Reserve Bank of New York to roll over at auction the amount of principal payments from the Federal Reserve’s holdings of Treasury securities maturing during each calendar month that exceeds $15 billion. Additionally, the Desk is to continue reinvesting in agency mortgage-backed securities the amount of principal payments from the Federal Reserve’s holdings of agency debt and agency mortgage-backed securities received during each calendar month that exceeds $20 billion.According to LendingTree Chief Economist Tendayi Kapfidze, the Fed’s previous outlook may have been an overreaction resulting from December’s market volatility and the recent government shutdown.“In our interpretation, the Fed may be overreacting to market volatility that occurred in December and distortions to economic activity and data from the government shutdown,” Kapfidze stated. “While many measures of economic growth have slowed, sentiment data which is more timely has rebounded from those declines. There are also seasonal distortions that have been occurring in the first quarter, with the economy often accelerating in the second and third quarter.” Subscribe Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Demand Propels Home Prices Upward 2 days ago Demand Propels Home Prices Upward 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Related Articles Data Provider Black Knight to Acquire Top of Mind 2 days ago About Author: Seth Welborn Previous: Mortgage Professionals Unite to Support Cancer Charity Scholarship Gala Next: Preventing Disaster-Related Mortgage Default The Best Markets For Residential Property Investors 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Federal Reserve Delays Rate Hike: Industry Reacts Share Save Banking Federal Reserve Interest rates Mortgage-Backed Securities 2019-05-01 Seth Welborn Seth Welborn is a Reporter for DS News and MReport. A graduate of Harding University, he has covered numerous topics across the real estate and default servicing industries. Additionally, he has written B2B marketing copy for Dallas-based companies such as AT&T. An East Texas Native, he also works part-time as a photographer. Home / Daily Dose / Federal Reserve Delays Rate Hike: Industry Reacts The Week Ahead: Nearing the Forbearance Exit 2 days ago in Daily Dose, Featured, Government, News, Secondary Market The Best Markets For Residential Property Investors 2 days ago Print This Post May 1, 2019 2,419 Views
Arranmore progress and potential flagged as population grows Community Enhancement Programme open for applications WhatsApp Pinterest Twitter Google+ Google+ News, Sport and Obituaries on Monday May 24th WhatsApp The funerals of the Donegal family killed in a crash in Inishowen on Thursday will take place today in Moville.49-year-old John Mullan, 14-year-old Tomás and six-year-old Amelia died after their car skidded off the road into the water at Lough Foyle.The family of four had been on their way back from a day out ten pin bowling in Derry, when Mr Mullan somehow lost control of the car at Three Trees in Quigley’s Point, causing it to skid across the road and plunge into Lough Foyle shortly after 10pm.Mr Mullan’s wife and mother of the children escaped from the sinking car and was rescued. Nurse Geraldine Mullan was taken to Letterkenny University hospital but her injuries were said to be not serious.Gardai are investigating the possibility that road resurfacing work that had been underway just a couple of days earlier, may have contributed to the crash. Stormy weather conditions may also have been a factor it’s believed.The funeral of all three will take place in Moville parish church at 11am.The family have asked for donations to Laura Lynn Children’s hospice in lieu of flowers. Facebook Homepage BannerNews Previous articleOver 1,000 take part in 2020 Virtual RunDonegal Women’s 5KNext articleDerry City off to Vilnius with Europa League qualifier to go ahead News Highland Victims of Inishowen crash to be laid to rest this morning By News Highland – August 24, 2020 Pinterest RELATED ARTICLESMORE FROM AUTHOR Important message for people attending LUH’s INR clinic Loganair’s new Derry – Liverpool air service takes off from CODA Twitter Nine til Noon Show – Listen back to Monday’s Programme Facebook
Production of hull brackets and chain stoppers is scheduled to begin in November Major mooring contract in the LNG market. (Credit: Seasystems AS.) DSME in South Korea has awarded Scana-owned Seasystems AS a contract for the delivery of mooring equipment and analyses for two floating LNG storage units.“This is a major contract for us, and it once again confirms the leading expertise our engineers have in robust and cost-effective mooring systems. We are of course very happy and satisfied that a large and reputable shipyard like DSME sees the value of our expertise and solutions and gives us confidence in this project,” says Torkjell Lisland, Managing Director of Seasystems AS.Attractive for several marketsThe physical delivery from Seasystems consists of 72 hull brackets and chain stoppers. DSME will install these on two floating storage units (FSUs) the yard has under construction. Production of hull brackets and chain stoppers is scheduled to begin in November. Deliveries to DSME will start in February 2021 and continue throughout the year. Seasystems also delivers the analyses required to have the mooring system approved in accordance with class requirements.The system to be delivered to DSME is based on technology that the company already supplies to the aquaculture industry, floating wind power and the oil industry.“The contract shows that even though we are a small company, we offer technological product solutions that are attractive to a wide range of market segments. This confirms once again that we achieve our strategic goals through hard work and good partners,” says Lisland. He adds that Front Energy, a company based in Arendal, has been important in securing the agreement with DSME.Ambitions for the green shiftSeasystems has a clear strategy to become a major player in its field in the green shift.“The transition to green energy takes time. Many consider gas as an intermediate phase, and naturally it is gratifying for us to win contracts in the LNG segment while waiting for the green shift to really pick up speed,” the director says. Source: Company Press Release
Home » News » Bird’s bill to make rental payments part of tenants’ credit histories previous nextBird’s bill to make rental payments part of tenants’ credit historiesSecond reading takes place in Lords as fellow peers both congratulate Lord Bird on introducing the bill, but worry government will kick it into long grass.Nigel Lewis27th November 201701,065 Views Lord Bird speaking in the House of Lords.Big Issue founder Lord Bird’s Private Member’s Bill to compel lenders to take council tax and rental payments into account when making lending decisions has passed its second hurdle within the House of Lords.The Creditworthiness Assessment Bill will now proceed to the committee stage for further scrutiny, although the government has indicated it does not think adding additional regulatory burdens on lenders is a good idea.Lord Bird is seeking to compel financial regulator the FCA to force lenders to take both rental payments and council tax payment histories into account when calculating credit worthiness.Supported during the reading by several heavyweights, the Bill received considerable support following opening remarks by Lord Bird.During it he made an impassioned speech for the aims of the bill, which are to lower the costs and barriers to credit faced by many of the UK’s tenants and make tenants as ‘bankable’ as mortgage holders in lenders’ eyes.“The Creditworthiness Assessment Bill is an attempt to change the way the credit agencies look at this social morass, this social gap, this representation almost of a class line that is drawn between those who are in luck and those who are not in luck,” he said.Paid their rent“I am proposing that we change the legislation so that the credit service providers have to take into account the fact that people have paid their rent.”Other speakers during the rental payments debate congratulated Lord Bird on his bill and said they shared the motives behind it.This includes Baroness Thornton, who said “millions of people are excluded from affordable credit because they do not have a credit history”, along with Baroness Wilcox, Lord Davies of Oldham, who worried that the government would not implement the ideas contained within the bill.His worries proved correct. Minister of State Lord Gates then spoke, saying that although he agreed with the aims of the Bill, “given that mortgage lenders currently lack easy access to rent payment data, this approach would force them to go out and acquire it before making each new loan, which represents a significant logistical and technological challenge,” he said.“This would not be in keeping with our aim to make Britain the best place in the world to do business.”Lord Bird Lord Gates Baroness Thornton Baroness Wilcox credit scores creditworthiness Creditworthiness Assessment Bill November 27, 2017Nigel LewisWhat’s your opinion? Cancel replyYou must be logged in to post a comment.Please note: This is a site for professional discussion. Comments will carry your full name and company.This site uses Akismet to reduce spam. Learn how your comment data is processed.Related articles Letting agent fined £11,500 over unlicenced rent-to-rent HMO3rd May 2021 BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021