Climate-driven risks to the climate mitigation potential of forests – Science Magazine

Risks to mitigation potential of forests

Much recent attention has focused on the potential of trees and forests to mitigate ongoing climate change by acting as sinks for carbon. Anderegg et al. review the growing evidence that forests' climate mitigation potential is increasingly at risk from a range of adversities that limit forest growth and health. These include physical factors such as drought and fire and biotic factors, including the depredations of insect herbivores and fungal pathogens. Full assessment and quantification of these risks, which themselves are influenced by climate, is key to achieving science-based policy outcomes for effective land and forest management.

Science, this issue p. eaaz7005

Forests have considerable potential to help mitigate human-caused climate change and provide society with a broad range of cobenefits. Local, national, and international efforts have developed policies and economic incentives to protect and enhance forest carbon sinksranging from the Bonn Challenge to restore deforested areas to the development of forest carbon offset projects around the world. However, these policies do not always account for important ecological and climate-related risks and limits to forest stability (i.e., permanence). Widespread climate-induced forest die-off has been observed in forests globally and creates a dangerous carbon cycle feedback, both by releasing large amounts of carbon stored in forest ecosystems to the atmosphere and by reducing the size of the future forest carbon sink. Climate-driven risks may fundamentally compromise forest carbon stocks and sinks in the 21st century. Understanding and quantifying climate-driven risks to forest stability are crucial components needed to forecast the integrity of forest carbon sinks and the extent to which they can contribute toward the Paris Agreement goal to limit warming well below 2C. Thus, rigorous scientific assessment of the risks and limitations to widespread deployment of forests as natural climate solutions is urgently needed.

Many forest-based natural climate solutions do not yet rely on the best available scientific information and ecological tools to assess the risks to forest stability from climate-driven forest dieback caused by fire, drought, biotic agents, and other disturbances. Crucially, many of these permanence risks are projected to increase in the 21st century because of climate change, and thus estimates based on historical data will underestimate the true risks that forests face. Forest climate policy needs to fully account for the permanence risks because they could fundamentally undermine the effectiveness of forest-based climate solutions.

Here, we synthesize current scientific understanding of the climate-driven risks to forests and highlight key issues for maximizing the effectiveness of forests as natural climate solutions. We lay out a roadmap for quantifying current and forecasting future risks to forest stability using recent advances in vegetation physiology, disturbance ecology, mechanistic vegetation modeling, large-scale ecological observation networks, and remote sensing. Finally, we review current efforts to use forests as natural climate solutions and discuss how these programs and policies presently consider and could more fully embrace physiological, climatic, and permanence uncertainty about the future of forest carbon stores and the terrestrial carbon sink.

The scientific community agrees that forests can contribute to global efforts to mitigate human-caused climate change. The community also recognizes that using forests as natural climate solutions must not distract from rapid reductions in emissions from fossil fuel combustion. Furthermore, responsibly using forests as natural climate solutions requires rigorous quantification of risks to forest stability, forests carbon storage potential, cobenefits for species conservation and ecosystem services, and full climate feedbacks from albedo and other effects. Combining long-term satellite records with forest plot data can provide rigorous, spatially explicit estimates of climate changedriven stresses and disturbances that decrease productivity and increase mortality. Current vegetation models also hold substantial promise to quantify forest risks and inform forest management and policies, which currently rely predominantly on historical data.

A more-holistic understanding and quantification of risks to forest stability will help policy-makers effectively use forests as natural climate solutions. Scientific advances have increased our ability to characterize risks associated with a number of biotic and abiotic factors, including risks associated with fire, drought, and biotic agent outbreaks. While the models that are used to predict disturbance risks of these types represent the cutting edge in ecology and Earth system science to date, relatively little infrastructure and few tools have been developed to interface between scientists and foresters, land managers, and policy-makers to ensure that science-based risks and opportunities are fully accounted for in policy and management contexts. To enable effective policy and management decisions, these tools must be openly accessible, transparent, modular, applicable across scales, and usable by a wide range of stakeholders. Strengthening this science-policy link is a critical next step in moving forward with leveraging forests in climate change mitigation efforts.

Leveraging cutting-edge scientific tools holds great promise for improving and guiding the use of forests as natural climate solutions, both in estimating the potential of carbon storage and in estimating the risks to forest carbon storage.

Forests have considerable potential to help mitigate human-caused climate change and provide society with many cobenefits. However, climate-driven risks may fundamentally compromise forest carbon sinks in the 21st century. Here, we synthesize the current understanding of climate-driven risks to forest stability from fire, drought, biotic agents, and other disturbances. We review how efforts to use forests as natural climate solutions presently consider and could more fully embrace current scientific knowledge to account for these climate-driven risks. Recent advances in vegetation physiology, disturbance ecology, mechanistic vegetation modeling, large-scale ecological observation networks, and remote sensing are improving current estimates and forecasts of the risks to forest stability. A more holistic understanding and quantification of such risks will help policy-makers and other stakeholders effectively use forests as natural climate solutions.

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Climate-driven risks to the climate mitigation potential of forests - Science Magazine

Swine it #42 Back to the basics in gilt development – Dr Kara Stewart – The Pig Site

I think for a while the gilt development was a forgotten piece of the sow system and I think it is our greatest potential for improvements in sow reproduction and lifetime performance. We need to start paying more attention there

- Boar exposure in gilt development

- Optimal weight, age, and number of estruses at first breeding

- Acclimation to the breeding crate

- Out-of-feed events in GDUs

- Space requirements and number of gilts per pen

- Have gilt development units and gilt research been forgotten?

Our guest is Dr Kara Stewart. Dr Stewart received her bachelors degree from Purdue University in 2001 and her masters and a doctorate from North Carolina State University in 2004 and 2008, respectively. Dr Stewart taught in the Department of Animal Science at NC State for two years before returning to Indiana to work for Cook Inc., a human medical device company. In 2013, she accepted a faculty position in reproductive physiology in the Department of Animal Science at Purdue University.

Listen to the podcast here: https://podtail.com/en/podcast/swine-it/back-to-the-basics-in-gilt-development-dr-kara-ste/

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Swine it #42 Back to the basics in gilt development - Dr Kara Stewart - The Pig Site

Medical Biosensors Market 2020: Potential Growth, Challenges, and Know the Companies List Could Potentially Benefit or Loose out From the Impact of…

A perfect mix of quantitative & qualitative Medical Biosensorsmarket information highlighting developments, industry challenges that competitors are facing along with gaps and opportunities available and would trend in Medical Biosensors market. The study bridges the historical data from 2014 to 2019 and estimated until 2026.

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The study objectives of this report are:To analyze global Medical Biosensorsstatus, future forecast, growth opportunity, key market, and key players.To present the Medical Biosensorsdevelopment in the United States, Europe, and China.To strategically profile the key players and comprehensively analyze their development plan and strategies.To define, describe and forecast the market by product type, market, and key regions.

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Anatomy of a 21st century recording studio: how Real World is adapting and thriving in a harsh recording climate – MusicRadar

Over the last couple of decades, most recording studios have already had the big wake up call: to diversify or die.

The idyllic Real World Studios in Box near Bath, UK created by Peter Gabriel in the late 1980s actually took on this mantra pretty much from the start, and began as a three-pronged operation with the studio running alongside Real World Records and the hugely popular live event, WOMAD.

But over the last few years, as recording budgets have been squeezed, the studio has had to become even more innovative, adding a number of diverse activities to its operation: from education to remix competitions, intimate gigs to virtual mixing. It has also become something of a studio hub, with half a dozen satellite recording and mixing rooms surrounding the main Big Room and Wood Room studios.

Producers and engineers including Ali Staton (Madonna, Seal, Turin Brakes) and Cameron Jenkins (The Verve, John Cale, The Charlatans, Everything But The Girl) have taken up residency, bringing a co-operative approach to west country recording in the UK.

The Big Room studio is also large enough to be a great place for gear launches, with Audio Technica and Universal Audio among the big names who've used it.

The main Big Room studio is also large enough to be a great place for corporate gear launches, with Audio Technica and Universal Audio among the big name companies who have made use of this stunning building.

There have also been live gigs held at the studio with names like Ethan Johns, Big Big Train and Les Amazones d'Afrique offering intimate sessions for devoted fans. And over the last few years, education has also played a significant role in the studio operation, as Head Engineer Oli Jacobs details.

We do a lot of student-led projects here and probably have between eight and ten regular universities and institutions from local Bath colleges to Berklee College of Music in the US that come every year.

"It works really well because you can get a lot of people in the Big Room and then a band in the Wood Room, so a lot of people can participate in what is effectively a hands-on studio training session.

It's kind of an accelerated learning zero to complete thing in three days!

eMixing is another very 21st century addition to Real World's portfolio, a way to get your tracks mixed at one of the best facilities in the world and by a top recording engineer. You can opt for anything from a monitor mix to full-on tweaked master, paying from 120 for each track.

Then there's the more hands-on experience of Producer Camp where you get to spend time with fellow producers at the studio and get to use all of the facilities Real World has to offer.

It's a two- or three-day residential session where people come and stay and record a song at the studio, says Senior Consulting Engineer Tim Oliver.

They get paired up and collaborate as producers and work in the Big Room with all the gear, and with a variety of session musicians, established guest producers and technicians. Over the weekend each pair of producers creates a song which gets published and released the following week.

It's a really positive weekend, the fact that you can stay here and get the Real World experience, Oli adds. They get to meet and work with a lot of other people and with great musicians rather than samples so, for example, we have the Wood Room set up with an amazing drum kit, drummer and engineer. It's kind of an accelerated learning zero to complete thing in three days!

So while the recording sessions at Real World remain an important part of its income, diversification is something that has become second nature to it over the last four decades. It's perhaps not surprising, then, that the facility has been quick to adapt to the challenges brought with the Coronavirus crisis.

Real World is developing new ways in which we might well be recording and enjoying music well beyond the crisis.

Indeed, Real World is developing new ways in which we might well be recording and enjoying music well beyond the crisis, with remote mixing being just one of the new options on offer.

We've been lucky in that we have been able to use the studio one person at a time, Oli explains. We were pretty quick to figure out how to have people virtually 'attend' sessions, being able to hear what we're doing straight away and in high quality, and to be able to feed back to us.

"We now have the remote mixing experience as good as you can get it, without the person being sat next to you, with a combination of Zoom or Google Meet for the communication and using Audiomovers for the hi-res audio transfer.

"We have also built a system that auto-mutes the talkback so either party doesn't hear the audio repeated.

An extension of all of these innovations is the studio's latest development: UnReal World, a 'virtual studio' as Tim explains.

There are a lot of collaboration ideas around at the moment but they tend to be fairly chaotic as they are musician led, whereas the idea of UnReal World is that it is producer led.

"There is a virtual studio with the producer at the helm of that studio, with the seed of an idea, a style brief and a playlist of references. They then ask musicians to download their audio stem ideas, play along and add something and then upload their ideas along the lines of what the producer has called for; so maybe they have said, 'I need some weird synth stuff on this track, give me some ideas'. The producer then stems out what they like, and then that evolves into something else.

We're trialling it with the producer John Reynolds, Tim continues. There are two tracks: a drum track where he is adding layer upon layer and another which is a Damien Dempsey acoustic guitar and voice.

"We're testing the water to see if there's any merit in the idea and to see if it creates anything at the end which is musically valid.

Finally we turn to the end product, the music itself, and perhaps the most exciting of Real World's new plans: immersive concerts where you get to enjoy live events on a more intimate level.

We are aware that a lot of people are doing live streams right now, Oli explains. Some are great but some are pretty boring. We are producing a series of concerts that will be audio only, with the focus on really hi-res audio streaming, not video. We want to do something that is a lot better sounding than what is out there, not just another live stream.

"The performances will be pre-recorded and then mixed here binaurally; they will be immersive mixes, making the experience as close as possible to being in the live room. The idea is that you spend your whole day on Zoom or staring at email and then this is 'just put some headphones on, close your eyes and just listen as if you were there'.

Because no-one can go out touring, they think 'well what can we do? Oh let's make a record!'

We're collaborating with a few institutions, he adds, like d&b audiotechnik who are a very important collaborator; we're also talking to Kings College London who are developing new surround sound plugin systems, and also the Bristol and Bath Expanded Performance creative cohort.

"We're still in the experimentation phase with all sorts of new ideas, like we may also eventually introduce an app so you can change where you are standing in the room or change where the instruments are around you.

As you can see then, with so many innovations, it's not so much a case of adapt and survive, but adapt and thrive and Real World looks set to push the recording envelope. There are plans to develop further spaces, plus part of the site is set to be redeveloped into a media hub over the next few years with additional office space, producer rooms and a cafe. But let's not forget the reason the studio started in the first place, to make great records, and that picture is as rosy as ever.

Actually it is looking really positive, says Tim. Because no-one can go out touring for the foreseeable, they think 'well what can we do? Oh let's make a record!' As a result, weve been getting many more enquiries than we expected.

Oli concludes: That's the one thing we have discovered during the lockdown is that no matter how great the technology gets to allow collaboration online, its ultimately a million miles away from the real thing. People are desperate to come into a studio together again, and there really is no substitute for musicians in a room together.

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Anatomy of a 21st century recording studio: how Real World is adapting and thriving in a harsh recording climate - MusicRadar

Grey’s Anatomy showrunner shares stories of her white privilege – Entertainment Weekly

Grey's Anatomy showrunner shares stories of her white privilege | EW.com Top Navigation Close View image

Grey's Anatomy showrunner shares how she got away with teen 'mistakes' because she was white

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Grey's Anatomy showrunner shares stories of her white privilege - Entertainment Weekly

Greys Anatomy showrunner tweets about escaping action due to her race, sparks debate – The Indian Express

By: Trends Desk | New Delhi | Published: June 18, 2020 11:18:23 am Vernoff has been lauded for illustrating how her teenage crimes were written off as mistakes because she was white. (Source: Twitter, AP)

Even as anti-racism demonstrations continue in the US, the showrunner of the show Greys Anatomy, Krista Vernoff, took to Twitter to highlight how she had committed various crimes, but was never punished due to white privilege. The thread has sparked a serious conversation on race and Vernoff has been praised for being straightforward.

Opening up about all the crimes she has committed over her life in a candid conversation, Vernoff listed various things she did and how she was mostly let off with a warning. She also pointed out that other incidents had shown how it could have panned out differently for those who werent white. Vernoff wrote about how her crimes were written off as mistakes just because she was white, and that she still didnt have a criminal record.

When I was 15, I was chased through a mall by police who were yelling Stop thief! I had thousands of dollars of stolen merchandise on me. I was caught, booked, sentenced to 6 months of probation, required to see a parole officer weekly. I was never even handcuffed, she said in the start of her thread.

When I was 18, I was pulled over for drunk driving. When the Police Officer asked me to blow into the breathalyzer, I pretended to have asthma and insisted I couldnt blow hard enough to get a reading, she continued. The officer laughed then asked my friends to blow and when one of them came up sober enough to drive, he let me move to the passenger seat of my car and go home with just a verbal warning.

The 46-year-old screenwriter who has never shied away from talking about things online, or highlighting such incidents in her show over the years, talked of her crimes to highlight how white people are treated differently by the police.

Her tweets come after the death of Rayshard Brooks, a 27-year-old black man who was shot and killed an Atlanta Police Department officer on June 12, amid the ongoing protests over George Floyds killing.

Defunding the police is not about living in a lawless society, she wrote. Its about the fact that in this country, were not supposed to get shot by police for getting drunk.

Footage from body and dash-mounted cameras showed Brooks chatted cooperatively with the two white officers, agreeing he had a couple of drinks to celebrate his daughters birthday and agreeing to a breath test.

Vernoff ended her thread saying: The system that lets me live and murders Rayshard Brooks is a broken system that must change. Stop defending it. Demand the change. #BlackLivesMatter #WhitePrivilege #DefundPolice.

Commenting about the thread, Director Ava Duvernay, a founder of an advocacy for justice reform, lauded her for talking honestly about her experiences as a white woman in the wake of the Black Lives Matter movement.

Its one of the best threads on the criminalisation of Black people that Ive read lately, Duvernay said.

The thread went viral and many highlighted how important it is for white people to talk about their privilege and be aware of the discrimination. Others also shared how they received different treatment from the police due to their race:

Violent protests had erupted in many cities across the US after a video emerged of a Minneapolis policeman suffocating Floyd by pinning him to the ground with his knee on Floyds neck. The policeman, David Chauvin, has since been fired, arrested and charged with second-degree murder.

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Greys Anatomy showrunner tweets about escaping action due to her race, sparks debate - The Indian Express

Dr. Frank Phillips is First in the World to Use Augmented Reality Surgical Guidance in Minimally Invasive Spine Surgery – OrthoSpineNews

June 17, 2020

CHICAGO(BUSINESS WIRE)Midwest Orthopaedics at Rush announced today that Dr. Frank Phillips, Professor and Director of the Division of Spine Surgery and the Section of Minimally Invasive Spine Surgery at Rush University Medical Center, completed the first augmented reality (AR) minimally invasive spine surgery. The Augmedics xvision Spine System surgical guidance system allows a surgeon to see a patients 3-dimensional (3D) spinal anatomy through skin as if they have x-ray vision. Using this new technology, Dr. Phillips performed a lumbar fusion with spinal implants on a patient with spinal instability at Rush University Medical Center on June 15.

The FDA-cleared xvision system is designed to revolutionize how surgery is done by giving the surgeon better control and visualization, which can lead to easier, faster and safer surgeries. Dr. Phillips reports the patient, who was experiencing severe back pain and limited mobility prior to the surgery, is doing well.

Having 3-dimensional (3D) spinal anatomic and 2-dimensional (2D) CT scan images directly projected onto the surgeons retina and superimposed over the surgical field takes spinal surgery to another level, said Dr. Phillips. Being able to place minimally invasive spinal instrumentation extremely accurately and efficiently, reducing surgical time and complication risk, is critical to improving outcomes for spinal surgery. Traditional surgical navigation platforms have been shown to improve accuracy of implant placement, however using augmented reality allows for the advantages of traditional (non-3D) navigation plus the ability to visualize the patients spinal anatomy in 3D through the skin.

The xvision Spine System developed by Chicago-based Augmedics consists of a transparent near-eye-display headset. It accurately determines the position of surgical tools, in real time, and a virtual trajectory is then superimposed on the patients CT data. In a minimally invasive procedure, the 3D navigation data is then projected onto the surgeons retina using the headset, allowing him or her to simultaneously look at the patient and see the navigation data without averting his or her eyes to a remote screen during the procedure. In a percutaneous cadaver study performed by Dr. Phillips and colleagues at Rush Medical Center, the xvision Spine System demonstrated98.9 percent screw placement accuracy.

When we set out to create a better navigation system, we knew it had to be intuitively designed to work within the surgical workflow and align the hands and eyes of the surgeon, eliminating the need to avert his or her eyes to an ancillary screen. Our innovative visualization technology breaks down the wall between traditional navigation and the patient, said Nissan Elimelech, founder and CEO, Augmedics. Moreover, the xvision Spine Systems 3D anatomy visualization allows surgeons to accurately guide instruments and implants intraoperatively, in real time, while looking directly at the patient, as if they had x-ray vision.

About Augmedics

With Augmedics, the future of surgery is within sight. The Chicago-based company aims to improve healthcare by augmenting surgery with cutting edge technologies that solve unmet clinical needs and instill technological confidence in the surgical workflow. Its pioneering xvision system, the first augmented reality guidance system for surgery, allows surgeons to see the patients anatomy through skin and tissue as if they have x-ray vision, and to accurately navigate instruments and implants during spine procedures. Augmedics plans to explore additional surgical applications for xvision beyond spinal surgery. The systems small footprint, economical cost and compatibility with current instrumentation are designed to allow easy integration into any surgical facility nationwide. Augmedics is backed by Terra Venture Partners and AO Invest, a venture arm of the AO Foundation. The AO is a medically guided, not-for-profit organization, a global network of surgeons, and the worlds leading education, innovation, and research organization for the surgical treatment of trauma and musculoskeletal disorders. For more information, visitwww.augmedics.com.

About Midwest Orthopaedics at Rush

Midwest Orthopaedics at Rush (MOR) offers comprehensive, unparalleled, orthopedic services as well as physical and occupational therapy. MOR doctors are team physicians for the Chicago Bulls, Chicago White Sox, Chicago Fire Soccer Club and Joffrey Ballet, among others. They are known for treating patients with orthopedic conditions, ranging from the most common to the most complex.U.S. News & World Reportranks the orthopedic program at Rush University Medical Center, Chicago, as No. 7 in the nation and it is the highest ranked program in Illinois and Indiana. MOR has offices at Rush University Medical Center in Chicago; Geneva (PT); Lincoln Park (PT); Naperville; Oak Brook; Oak Park; Orland Park (PT), Westchester; and Munster, Indiana. For more information or to make an appointment, visitwww.rushortho.com/appointments. Follow us on Facebook @MidwestOrthopaedicsatRush or Twitter @mor_docs.

Diana SolteszPazanga Health Communicationsdsoltesz@pazangahealth.com818-618-5634

Ann PitcherPitcher Communicationsann@pitchercomm.com630.234.4150

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Dr. Frank Phillips is First in the World to Use Augmented Reality Surgical Guidance in Minimally Invasive Spine Surgery - OrthoSpineNews

The Anatomy of a New-Gen Personal Finance Management Application – Global Banking And Finance Review

By Anna Oleksiuk FinTech Industry Leader at Intellias

Where is personal financial management heading? How the future of autonomous finance will look? This comprehensive overview has all the answers.

Money is a complex matter. People always want to figure out how to pay off their student loans, save for a house, or plan for retirement. And to achieve any of these goals, they may wish to have wealth management tools or access to a financial advisor.

Then they have day-to-day finances spending, earning, and investment patterns that help to meet bigger goals. A personal finance management app can help them get better with regular spending and meet both short-term and long-term financial goals.

Most people end up using several solutions that each fulfill a specific financial need at a macro or micro level.

And when theres a gap in the market, theres a huge opportunity for success. Let me show you how you can fill in this gap by building a new-gen personal finance management app that will help your customers both intelligently manage everyday spending and plan for the long term in four steps.

Lets dive in!

Data is key to building rapport with customers as it helps to learn about their spending habits and teach them better ways to spend.

A basic personal finance management app should offer:

Customer data enrichment is the central point here, as most users want more clarity in exchange for the information they provide. To deliver on that expectation, its worth aggregating the following data:

The next logical question is how to collect, store, and process all that sensitive information securely and in compliance with GDPR, PSD2, and local regulations.

Complying with these regulations may appear to be a major roadblock. That is, unless a business places a solid data governance framework at the center of their operations. The goal of a data governance framework is to help understand everything about data: where and how its stored, where it comes from, what its value is, and how different people and applications use it.

Heres an example of how a basic data governance framework looks like.

Source: TU Berlin Implementing Data Governance within a Financial Institution

Working on the data governance framework, me and my data science team at Intellias have prepared several actionable tips that would help to formalize a data management strategy:

According to Neal Lathia, Machine Learning Lead at Monzo, its necessary to shift the mindset from writing queries to answer received questions to writing queries to create data models that would address various types of questions.

A steady flow of data not only helps to ask better questions, it also helps to deliver better answers to customers.

With the customer data analytics, businesses have a better understanding of a users current standing and goals as well as pitch the next steps for getting closer to these goals. Fine-tuned app functionality for money management can translate gathered analytics insights into the following features.

Traditional analytics can assist with basic decision-making. Helping your customers with more complex planning will require bigger guns: machine learning, predictive analytics, and artificial intelligence (AI).

Machine learning algorithms can use all available internal and external data about individuals and advise them just like a wealth advisor would.

For instance, you can create an algorithm to analyze a users monthly cash flow, propose a monthly budget, and suggest savings opportunities. An algorithm can also provide real-time advice on how much users need to save daily to fund their dream vacation or make a down payment on a condo.

Credit Karma captures over 2,600 different data attributes per user, and their algorithm makes prediction among 8 billion options about what the right product is for a given customer at their current stage of life.

As well, you can develop a next best action model that discerns which product is worth pitching to a customer right now based on their financial and life circumstances. Early pilots have shown that such algorithms can result in a 30% increase in sales. Technologies can even help businesses build an AI-powered financial assistant for their customers to improve money management.

Predictive analytics is another key component of new-gen personal finance coaching apps. Again, using data, you can help your customers build long-term plans by providing them with an outlook on their finances.

Some of the popular use cases of predictive analytics in personal finance management are:

The best part? You no longer need to develop a predictive analytics solution from scratch but can choose to go with an integration instead. Here are several solid FinTech partners for banks:

The application of machine learning in FinTech and banking is going far beyond customer analytics these days, including loan approvals with lower risks, security reinforcement, and enrichment of customer experience.

Today, software helps to extract the key points out of data we have and make right decisions.

Despite the abundance of personal finance management tools, nearly half (46%) of consumers still find finances overwhelming.

Artificial intelligence is coming to change that. Several market players are already working on a set of fully autonomous financial products apps that provide accurate, personalized, real-time financial advice.

And most customers are on board with setting their finances on cruise control:

How comfortable would you feel using each of the following services?

Source: Quartz Get ready for self-driving mone

So what will autonomous banking look like?

Andy Rachleff, CEO of Wealthfront, states that their vision is to deliver fully automated services with no need for customers to interact pay bills, top off emergency fund, and then route money to whatever account is the most ideal for customers particular goals.

Autonomous personal finance management solutions will be capable of coordinating activities to help customers reach multiple financial goals simultaneously all with little to no daily input from the customer.

And such a scenario is less futuristic than one might think. Today, we are already seeing the rise of autonomous single point solutions:

Established market players with mature data infrastructures and a wealth of accumulated customer data are poised to become one-stop shops for automated money management.

Lets compare the four market leaders:

Each of the companies listed above has one core automated FinTech offering: investing, credit score management, or loan refinancing. Today, these companies are actively extending the autonomous component to interconnect and power all products in their portfolios.

All four are also moving into banking, offering savings/checking accounts to their customers. This, in turn, will give them even more insights into their users day-to-day financials and help them extend their suite of autonomous offerings to daily personal financial management.

First, we had spreadsheets. Then came basic personal finance management apps. Now were moving towards an era of personal financial coaching, spanning either one area (budgeting) or several (retirement, investing, personal savings). Were gradually entering the era of single-pane dashboards that will allow us to see all our key financial data in one place and dispatch AI to manage our finances for us.

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The Anatomy of a New-Gen Personal Finance Management Application - Global Banking And Finance Review

Why ‘Grey’s Anatomy’ Alum Katherine Heigl Said This Comment ‘Bothered Me The Most’ After Her Exit – Showbiz Cheat Sheet

Katherine Heigl rose to fame on Greys Anatomyportraying Dr. Isobel (Izzie) Stevens for almost six seasons. Leaving the prime time hit in 2010, the actresss departure was not without controversy. Heigl had already withdrawn from the 2008 Emmys and publicly complained about working conditions on the show, branding her with a reputation as difficult.

Leaving the prime time hit after adopting her first child, Heigl shared that some of those negative comments affected her more than others.

Though the actress won an Emmy for her role on Greys in 2007, Heigl publicly decided to pull out of the running the following year.

I did not feel that I was given the material this season to warrant an Emmy nomination and in an effort to maintain the integrity of the academy organization, I withdrew my name from contention, Heigl stated, according toEntertainment Weekly.In addition, I did not want to potentially take away an opportunity from an actress who was given such materials.

Tabloids had a field day with Heigls comments, speculating that she wanted to get out of her contract for a film career. Adding insult to injury, Heigl vocalized her frustration in a late night talk show interview regarding what she considered harsh working conditions on Greys. This only added to her tarnishing name in the industry.

Though the Greys star apologized to show creator Shonda Rhimes on the Emmy debacle, the media mogul was not fully buying it. On some level, it stung and on some level I was not surprised, Shonda toldOprah Winfrey in 2012of the actresss actions. When people show you who they are, believe them.

RELATED:Greys Anatomy: Ellen Pompeo Singled Out Katherine Heigls Problem on the Show

While public opinion assumed Heigl was in a rush to leave Greys for the big screen, the actress revealed that adopting her daughter Naleigh was the true catalyst.

I had actually started talking to Shonda Rhimes over a year ago about the idea of moving on, Heigl told Entertainment Weekly in 2010. I had told her that I wanted to start a family Josh and I were in the process of adoption and I wanted to warn her. And she was really respectful and supportive.

Though the Suits actress considered trying to juggle work and family, she felt the shooting schedule of Greys would take too much time away from her daughter.

I think it was a little bit shocking for everybody, and a little bit like, Cant we find a way to work it out? Heigl recalled. And I really wanted to, but at the same time I just felt like I couldnt sacrifice my relationship with my child. I want this child to know that she will forever have me in her corner and I dont want to disappoint her.

Reflecting on her past comments regarding the Emmys and the shows scheduling demands, Heigl realized she caused the backlash she was receiving. When asked how she felt about being perceived as an ungrateful diva, the actress revealed the moniker truly affected her.

The ungrateful thing bothers me the most. And thatismy fault, Heigl admitted. I allowed myself to be perceived that way because I was being whiny and I was griping and because I made these snarky comments.

RELATED: Which Greys Anatomy Alum Has the Highest Net Worth: Sandra Oh, Katherine Heigl, or Patrick Dempsey?

Coming to terms with her mistakes, Heigls goal was to change the publics perception. So much about living life, to me, is about humility and gratitude. Im just so disappointed in myself that I allowed it to slip, she explained. Theres nothing more gross than [the idea of] somebody in my position being ungrateful And I hope that in the coming years I can change peoples minds about that. The six years [I spent onGreys] were important years I let myself demean something that was actually very beautiful and very important.

Heigl is currently working on her Netflix seriesFirefly Lane.

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Why 'Grey's Anatomy' Alum Katherine Heigl Said This Comment 'Bothered Me The Most' After Her Exit - Showbiz Cheat Sheet

COVID-19: Potential impact on Animal Anatomical Model Market to Showcase Vigorous Demand During the Period until 2031 – Personal Injury Bureau UK

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COVID-19: Potential impact on Animal Anatomical Model Market to Showcase Vigorous Demand During the Period until 2031 - Personal Injury Bureau UK