I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. Enter Your Email Address Royston Roche | Monday, 22nd March, 2021 | More on: TW Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Taylor Wimpey (LSE: TW) shares are up about 60% in the past year. Compare this to 30% return of the FTSE 100 index in the same period. The stock has outperformed by a wide margin to the broader index. The homebuilder’s stocks are in focus as the UK exits lockdown in a phased manner. Another reason for me to look into these stocks is the government’s support to new home buyers. I would like to analyse this FTSE 100 stock further to understand to see if it’s a potential buy for my long-term portfolio.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…Bullish reasons to buy Taylor Wimpey sharesChancellor Rishi Sunak announced the new mortgage guarantee scheme during the budget. The scheme will encourage more first-time buyers to buy a new home for a minimum 5% deposit. This should help leading homebuilders like Taylor Wimpey. Due to the various challenges in the past few years and slow growth of wages, we did see lower interest in home buying. With more government support we could see renewed interest in this sector.The company released its annual results recently. Revenue fell by 36% year-over-year to £2.8bn. The drop in revenue was primarily due to the lockdown. The company did see positive rebound in the second half of the year. The UK forward order book is strong at 10,685 homes as at 31 December 2020. Another important metric is that the average selling price increased to £288k when compared to £269k for the previous year.Taylor Wimpey has a stable balance sheet, with net cash of £719.4m. The company has resumed its ordinary dividend policy, that is, 7.5% of net assets. It announced a final dividend of 4.14p. A decent dividend is another reason for me to like Taylor Wimpey shares.The company made further land purchase last year at attractive prices during the Covid-19 pandemic. It has sufficient land bank to provide growth in the long term. Looking into the future, the management expects the 2021 operating profit margin to improve to 2019 levels. They also have a medium term operating profit margin target of 21 to 22%. Management is very confident to achieve this target. They also have an ambitious average return of capital employed target ratio of 34%. Risks to considerThe company has to comply with various environmental regulations. People are increasingly putting pressure on the homebuilders on environment concerns when developing the land. This could add more cost to the company and might delay the company’s future projects. The discretionary spending of some people has come down due to Covid-19. The job market might take a couple of years to improve and a lot of businesses have shut down in the last year. If the economic recovery takes a longer time than expected it could put a dent on the company’s long-term growth.Final view on Taylor Wimpey sharesThe low interest rate environment and government support should bode well for homebuilders. The company is fundamentally strong. However, the last year’s revenue drop is more than its competitors. So I would like to keep the company in the watch list and I am not a buyer of the stock today. Taylor Wimpey shares: here’s what I’d like to do Simply click below to discover how you can take advantage of this. Our 6 ‘Best Buys Now’ Shares “This Stock Could Be Like Buying Amazon in 1997” Image source: Getty Images. Royston Roche has no position in any of the shares mentioned. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. See all posts by Royston Roche
Photographs Projects Seasonless House / Casos de CasasSave this projectSaveSeasonless House / Casos de Casas Spain ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/580938/seasonless-house-casos-de-casas Clipboard Area: 361 m² Year Completion year of this architecture project Save this picture!© José Hévia+ 21Curated by Danae Santibañez Share Seasonless House / Casos de Casas “COPY” “COPY” Architects: Casos de Casas Area Area of this architecture project ArchDaily Houses 2013 ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/580938/seasonless-house-casos-de-casas Clipboard Photographs: José HéviaCollaborators:Ma Eugenia castrilloTechnical Design Architect:José María HerásTechnical Project Architect:Cesar VillalongaStructure:Francisco FiolArchitect In Charge:Irene Castrillo CarreiraCity:VinaròsCountry:SpainMore SpecsLess SpecsSave this picture!© José HéviaRecommended ProductsDoorsC.R. LaurenceCRL-U.S. Aluminum Entice Series Entrance SystemDoorsECLISSESliding Pocket Door – ECLISSE LuceDoorsSaliceSliding Door System – Slider S20DoorsSky-FrameInsulated Sliding Doors – Sky-Frame ArcText description provided by the architects. Design your climate to increase your domesticityThe house combines a particular form of urban planning that is taking place in Vinaroz, and in some places on the coast of Castellón. The city has developed a compact and suitable form of urban planning, based simultaneously on the temporality of the two main local seasons of the year. They are two ways of life in one place. One organised around the urban and the formal, and the other organised in a more informal and hedonist environment. In the centre, housing towers accumulate and the horizontal city eliminates the diversity of allotments in front of the sea, creating an urban plan without streets and public spaces derived from the intensive use of old roads, now paved for vehicles. In this context the hot season housing of the citizens of Vinaroz or the second homes of visitors from the interior, present a city with two different habitable infrastructures.Save this picture!© José HéviaThe seasonless house disassociates itself from this way of living to consider its own environment, domestic, adaptable and resilient for all seasons of the year turning, it into a device that creates a personal climate, individual to each inhabitant. A house without exterior, as everything external is able to take place inside.Save this picture!© José HéviaIncreased Domesticity This is enlarged by taking it not only to the design of a personal climate though the different elemental systems of appropriation of air, light or radiation extensions; but also to the domestic, public, and intimate habits of the house in relation to all the agents that occupy it on a temporal basis with greater or lesser intensity.Save this picture!Floor PlanThe de-locating of the client’s domesticity, which is spread across his practices: flights, cities, work, itinerary intimacies, doesn’t permit the construction of a close and accessible day to day domesticity. The house, as a crossing point, builds an augmented domesticity. It is because of this, that the Seasonless house is not inhabited. Its practices are inhabited and not the house, which remains as a device in continuity with the global habits of its inhabitant and the possibility of reproducing other climates that can contradict the ones that already exist in Vinaroz.In this system, the house builds a large playground from the strong slope of the land, a place from which to observe and include the house landscape, without being clearly observed form the street. It is in this playground where a more indeterminate and polifunctional way to live with the landscape is provided. Activities do not have a specific location in which to develop but rather, according to the local aspects, views, climate and privacy, they enable the project to develop as a landscape of variable domestic events that respond to desire, need or optimisation. It is in this place where the “far away table” or the “squid searching lamps” are designed as large-scale devices for interactions with the playground.Save this picture!Floor PlanThe top floor on two different heights covers the playground connecting it with the most private activities. Reality surpasses both in one continuous and limitless environment. Eating happens upstairs and sleeping on the sofa. Reading takes place in the backyard and one can shower at the front of the building.Save this picture!© José HéviaA Mediterranean Global Construction¿What is ‘globality’ if not a house of undulating tiles and plastic? Thousands of people live under this fundamental umbrella. But this system can be very informal or more sophisticated and efficient. The seasonless house is also a house without a place, a Mediterranean styled device. White, efficient for climate and solar radiation reasons is also efficient as a singular element of the roaming nature of its inhabitant. Its execution: a standardised and modulated construction system, personalised for specific needs in this house.Save this picture!© José HéviaBuilt from the inside out, with double walls made from cellular polycarbonate, simple filters of undulated polycarbonate, interlocked metallic tiles, different glasses according to the contiguity of the climate on either of its sides. The agro-textiles dissipate or accumulate the radiation. An open and closed house at the same time. That transpires where it appears closed and is hermetic where it appears open. The house has a ‘waiting structure’ in preparation for when the client attains a greater level of energy efficiency. The climate conforms to spontaneous space. In cities, in public spaces, and also in houses. We are all architects of the interior of our symbolic, sonorous and spacious receptacles, and the house is a back curtain to be developed. Seasonless house is naked, almost a virgin; the project has just begun….Save this picture!© José HéviaProject gallerySee allShow lessBiałołęka Flat / All ArquitecturaSelected ProjectsSongpa Micro Housing / SsDSelected Projects Share Year: CopyHouses•Vinaròs, Spain CopyAbout this officeCasos de CasasOfficeFollowProductsGlassSteelConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesVinaròsIcebergHousesSpainPublished on March 30, 2019Cite: “Seasonless House / Casos de Casas” 30 Mar 2019. ArchDaily. Accessed 11 Jun 2021.
370 total views, 2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis28 Charity Commission publishes its guidance for charities connected with non-charities Tagged with: Charity Commission AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis28 The Charity Commission has released its guidance on “Charities with a connection to a non-charity”, following the consultation on its draft guidance last year.The guidance includes specific applications to fundraising such as corporate foundations, charities with trading subsidiaries, and charities, which fund or receive funding from a non-charity.It aims to help charities benefit from relationships with non-charities while managing the risks, with the Charity Commission also saying that the guidance will help to ‘hold charities to account against existing rules’. It does not set out new rules or regulations itself, but draws together relevant law and practice in setting out six principles to help trustees ensure their arrangements for working with a linked body secure the charity’s interests and independence.These six principles are:Recognising the risksNot furthering non-charitable purposesOperating independentlyAvoiding unauthorised personal benefit and addressing conflicts of interestMaintaining your charity’s separate identityProtecting your charityIt also covers what to do when things go wrong, and how to apply to register as a charity with a connection to a non-charity.Helen Stephenson, CEO of the Charity Commission, said:“As regulator, we want charities to thrive and inspire trust, and we know relationships with non-charitable organisations can help a charity deliver on its purposes. But operating alongside other organisations should always be well considered and trustees must manage the risks that can arise carefully, and with probity.“Charities hold special status in society and the public rightly have high expectations of them, including that they are driven only by their charitable mission and purpose and that they work to defend and promote their independence from non-charitable organisations at all times. No charity should ever use or be used by non-charitable organisations to pursue uncharitable interests.” Advertisement 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. Bates Wells Braithwaite, which voiced concerns over the draft guidance’s scope, tone and content during the consultation period, has announced that it is planning to hold a seminar on the guidance and its implications.In an email announcing this, and leading to a more detailed assessment of the new guidance on its site, Partner Simon Steeden states:“To its credit, the Commission has taken on board many of those concerns, removing some of the most unworkable aspects of the original draft.“We have some continuing concerns about how practical other aspects of the guidance will be, and about the burgeoning guidance that volunteer trustees are required to navigate.”Anyone interested in attending the seminar is asked to contact Steeden at [email protected] 369 total views, 1 views today Melanie May | 2 April 2019 | News
Further drop in people receiving PUP in Donegal WhatsApp WhatsApp Previous articleDoherty calls for retention of CDPsNext articleParents of dead infant suffer nightmare Dublin trip for PM News Highland News By News Highland – December 3, 2009 Pinterest Google+ Twitter Facebook Gardai continue to investigate Kilmacrennan fire Pinterest Main Evening News, Sport and Obituaries Tuesday May 25th Twitter Google+ RELATED ARTICLESMORE FROM AUTHOR A group set up in the North West to help homeowners at risk of losing their home says it shouldn’t be left up to the mortgage lender alone to decide on the future of a family’s house. Thousands of people across the country are now in mortgage arrears with many facing the prospect of home repossession. Later this morning the ECB is expected to announce that interest rates will remain unchanged – at a historic low of 1 percent – but that’s little comfort to those already in difficulty. Founder of the group – Barry O’ Flynn says that no family should be forced from their home, without proper investigation. 365 additional cases of Covid-19 in Republic Man arrested on suspicion of drugs and criminal property offences in Derry Facebook Group calls for review of home repossessions 75 positive cases of Covid confirmed in North
Brad James Tags: Kara Clayton/Spanish Springs High School/Sparks Nevada March 13, 2020 /Sports News – Local Snow College Volleyball Signs Nevada High School Star Kara Clayton FacebookTwitterLinkedInEmailEPHRAIM, Utah-Whenever the sports calendar resumes, Snow College women’s volleyball has secured the talents of a star athlete from the Silver State.Kara Clayton, a middle blocker from Sparks, Nev., starred at Spanish Springs High School, and signed a national letter of intent with the Badgers, per a Thursday report on Snow College’s athletics department’s official Instagram page.In addition to sharing her talents with the Cougars, the 6-foot Clayton also excelled as a member of the Northern Nevada Juniors club of Sparks. Written by
Home » News » COVID-19 news » Estate agent takes down Facebook post about ‘doing a viewing’ following negative comments previous nextAgencies & PeopleEstate agent takes down Facebook post about ‘doing a viewing’ following negative commentsWell known agency figure Sam Ashdown said her buyer was technically homeless and in temporary accommodation and that the property involved was an empty newbuild, underlining industry confusion over guidelines.Nigel Lewis6th April 20201 Comment14,433 Views An estate agent has taken down her Facebook comment about ‘doing a viewing’ over the weekend after negative comments from fellow agents.Sam Ashdown, who established a successful luxury property agency in the Lake District three years ago, posted on the social media platform that she had completed ‘a viewing on this beauty’, a four bedroom detached £1.25 million house (pictured).She went on to say that the viewing was by a cash buyer for the vacant build. And referring to the Coronavirus lockdown on estate agencies, she said: “I’ll be opening up and then closing down when they’re gone”.But after signing off that she had her ‘fingers very tightly crossed’ for a sale, irate agents complained underneath her post.One agent, who asked to remain anonymous, approached The Negotiator directly to complain that her post “was bad enough but bragging about it on Facebook was a disgrace”.Another agent commented on her original post that he believed doing a viewing for even an empty home is outside government guidelines of acceptable reasons for leaving home unless they are a key worker – e.g. buying food or medicine, daily exercise, caring for someone or going to work they cannot do at home.“As we agents are not members of the buyers or sellers’ household, we should not be meeting [them] in public.”In response to the criticism, Ashdown said the buyers were living in temporary accommodation, needed to move home and were ‘technically homeless’.But despite their anger over Ashdown’s post, many agents said they knew competitors in their areas who were conducting viewings, and that the government needed to give much clearer advice to agents on what they are, and are not, allowed to do.Read Sam Ashdown’s response to the criticism here:‘Housing viewing furore agent stands by her decision’.Read more about viewings during the crisis.sam ashdown coronavirus property advice The Lake District facebook April 6, 2020Nigel LewisOne commentChris Arnold, andsothestorybegan andsothestorybegan 6th April 2020 at 9:00 amHomeless? Buying a £1m+ property? Couldn’t they wait just a few weeks more?No excuse!Log in to ReplyWhat’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 BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021 Hong Kong remains most expensive city to rent with London in 4th place30th April 2021
The modification also includes an additional $79.4 million in advance procurement for future destroyers.“The timely execution of this contract modification will enable us to maintain a stable work flow on the DDG 51 class program,” said DDG 51 Program Manager George Nungesser. “It also allows us to achieve our learning curve targets and keep our highly skilled workforce focused on building affordable ships.”The multi-year procurement allows Ingalls to build ships more efficiently by buying bulk material and moving the skilled workforce from ship to ship. With the five-ship contract, Ingalls will be building DDGs over the next decade.Ingalls has delivered 28 Arleigh Burke-class destroyers to the Navy and currently has two more under construction. Ingalls laid the keel for John Finn (DDG 113) in November 2013 and will lay the keel for Ralph Johnson (DDG 114) in the third quarter of 2014. Start of fabrication for Paul Ignatius (DDG 117), the first ship of the multi-year contract, will also take place in the third quarter of 2014.Arleigh Burke-class destroyers are highly capable, multi-mission ships that can conduct a variety of operations, from peacetime presence and crisis management to sea control and power projection, all in support of the United States’ military strategy. Destroyers are capable of simultaneously fighting air, surface and subsurface battles. The ship contains myriad offensive and defensive weapons designed to support maritime defense needs well into the 21st century.[mappress]Press Release, March 18, 2014; Image: HII View post tag: usa View post tag: million View post tag: USD View post tag: receives View post tag: Destroyer View post tag: deal March 18, 2014 USS WILLIAM P. LAWRENCE (DDG 110)Huntington Ingalls Industries’ Ingalls Shipbuilding division has received a $602 million contract modification to fund construction of the Arleigh Burke-class (DDG 51) guided missile destroyer DDG 119 for the U.S. Navy. The yet-to-be-named ship is the second of five DDG 51 destroyers the company was awarded in June 2013. View post tag: HII Equipment & technology View post tag: Navy Back to overview,Home naval-today USA: HII Receives USD 602 Million Destroyer Deal View post tag: News by topic USA: HII Receives USD 602 Million Destroyer Deal View post tag: Naval View post tag: 602 Share this article
This group not only subjected thousands of puppies to atrocious living conditions, but also caused immense distress to families who had to watch their new pets suffer from serious illness. I am pleased that the Court of Appeal has today agreed to increase all 4 sentences, and hope this will bring some comfort to the victims of their crimes. Four men have today had their sentences increased after the Solicitor General, Robert Buckland QC MP, personally presented their cases to the Court of Appeal under the Unduly Lenient Sentence scheme.Simon O’Donnell, Thomas Stokes, Edward Stokes, and Daniel Doherty were part of a puppy-farming conspiracy thought to have raised around £2 million. O’Donnell, Thomas Stokes and Edward Stokes were involved in importing farmed puppies from abroad; while Doherty, a vet who practised in West London, provided them with misleading welfare documents, including immunisation certificates, which were used to reassure the people who bought the puppies.Many of the supposedly healthy puppies sold by this group became unwell, leaving their owners with significant veterinary bills, or even the traumatic decision of whether to have them euthanised.O’Donnell, Doherty, and Thomas Stokes were originally sentenced at Isleworth Crown Court in May, Edward Stokes in June. O’Donnell and Thomas Stokes both received 3 years’ imprisonment. Edward Stokes received 2 years’ imprisonment suspended for two years, as well as conditions of 200 hours unpaid work and 15 days rehabilitation activity. Doherty received 12 months’ imprisonment suspended for 12 months, as well as a requirement of 80 hours unpaid work.Today, after the Solicitor General’s referral, the Court of Appeal increased all 4 sentences. Thomas Stokes’ sentence was increased to 4 years 8 months, and O’Donnell’s sentenced was increased to 4 years imprisonment.The other 2 offenders have now been given immediate prison terms. E Stokes had his suspended sentence increased to 4 years 8 months imprisonment, Doherty’s suspended sentence was increased to 3 years 6 months imprisonment.Commenting on the sentencing increases, the Solicitor General said:
United Biscuits (UB) has identified £500m of growth opportunity in the UK biscuit market as part of its first Biscuit Review.The review provides insights into the current sales performance of key brands, along with research into market trends, and has been created with data largely drawn from Kantar Worldpanel.Over 1,000 copies are to be distributed to UB retail clients and the press, and category controller Alastair Davis said the report was not a one-off: “We are going to be producing this annually, refreshing it with fresh insight.”He added: “We don’t have any financial gain in the short term, but it does cement our position as the number one thought-leader in the category.”Category VisionThe report also details the company’s category vision, which identifies £500m of growth opportunity centred on seven key strategy directives, including the healthy-eating trend and increasing consumer enjoyment of the shopping experience through range simplification.Sarah Lonorgan, director of customer marketing at UB, said: “We have a clear ambition at United Biscuits to be the leading authority on category and shopper insight in the UK. Our Biscuits Review and Category Vision are both milestones in our commitment to delivering world-class plans, products and services that inspire our customers and provide sustainable long-term growth.“When we compare the UK biscuit landscape to the other impulse categories, we can see there is so much more that we can do to grow its presence. We’ve got to bring fun, energy and inspiration to the point of purchase and create a more enjoyable shopping experience.”
We are moving from an era of data scarcity to an era of data abundance. This is being driven by the Digital age we live in. But data is not made equal, some of it is far less useful or trustworthy than other data. This is a huge challenge for society and our education systems. Zooming in on what I know best – the finance function in corporations – big data can become a curse, if you allow yourself to drown in it. To turn it into a blessing, CFOs need to change a few things, starting with the kind of talents they hire …We live a data paradox. We feel submerged by data which is all around us and omnipresent, whereas those data could make our lives so much easier are much harder to find and identify. The real problem is most data is not useful. You need to figure out where data analytics can provide you with real insights instead of bringing more complexity or setting people going off in tangents. This is not an easy task. As a CFO, I try to stay focused on the basics (revenues, costs and profits) and build up from there starting with simple data analytics that gives me more clarity on the market opportunities, the go-to-market costs and the different scenarios to allocate business profits. It is only when I feel I have a strong understanding of these scenario’s that I then move to look at big data analytics and outputs to try and validate the scenario’s that have been identified.I know this is easier said than done. Another good ploy is to surround yourself with the right people.I recently stumbled across an article in Healthcare Finance, referring to a survey by WorkDay, which perfectly summarizes the promise of big data for the finance functions: data-driven decision-making (rather than intuitions) that makes the CFOs and their teams more resilient and intelligent, delivering quality insights and strategic advantages for the whole organization. But the report also indicates that many corporate finance functions are still unable to deliver these insights, due largely to:difficulty integrating finance and non-finance datalack of relevant skills within finance teams, andineffective collaboration among C-suite peers on data-driven decision-making.My previous blogs were about point 3 and, indeed, the need for partnerships, specifically between the CFO and the CIO, which is key to aligning on the right data sets.Regarding point 1, I do not think that access to non-financial data is a problem, as such. The difficulty is to get data in a trustworthy format that you can easily embed into your own CFO story. There are so many different templates and subsets across departments and business units. This is also where a strong CFO-CIO can help getting everyone in tune.Where I think CFOs have still a long way to go is, indeed, point 2 and the access to skills.Chalk and cheeseTo refresh the knowledge inside your finance department, I strongly encourage you to search for less traditional profiles. Besides accounting and finance champions, attract some nerdy data scientists and make them feel comfortable in your team. They are so scarce on today’s market that you had better offer these mavericks a motivating challenge, as well as a suitable infrastructure to start getting value out of artificial intelligence. Otherwise, like in this testimonial, they will not stay long in your team.The infographics here illustrate that data scientists and business analysts are like chalk and cheese. They do not naturally work together. But it is your task, as CFO, to show leadership and make the best of both worlds.A tactical tip? Introduce some job rotation so that each group of skilled people understands the benefits brought by the other one. There is a kind of trade-off to be found here.If you keep data scientists and business analysts separated, the risk is that your own exploitation of Big Data may go too behind the wall, disconnected from the business realities. Data science just for the sake of it.Conversely, if you keep them together all the time, you restrict the power of data scientists to think out of the box and to provide real insights once their job is combined with the skills of the business analysts.In conclusion, there is not one silver bullet to make your finance department smarter and more resilient, but investing in a good mix of new talents while increasing the data analytical skills of the existing teams… is definitely a sound decision. Though, I must confess, it is based on my own intuition and experience more then on machine learning.Always happy to read your comments!