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Newt ec hni quer eveal s 6, 000year ol dmanuf ac t ur i ng pr oc es s Newt ec hni quer ev ea l s6, 000y ea r ol dma nuf a c t ur i ngpr oc es s T ounc ov ert hes ec r et sofa6, 000y ea r ol da mul et , t heol des tk nownl os t wa x c a s tobj ec t , s c i ent i s t sha v edev el opedanov el i ma gi ngt ec hni quet ha ta l l ows t hema nuf a c t ur i ngpr oc es st ober ec ons t r uc t eda tal ev el ofdet a i l nev er a c hi ev edbef or e . Res ea r c her sf r om t heI P ANE MAl a bor a t or y( CNRS , MCC, UVS Q) a nds y nc hr ot r on S OL E I La tUni v er s i t éPa r i s S a c l a ys t udi edt hea mul etf r om Mehr ga r h, Pa k i s t a n, us i nganewphot ol umi nes c enc ei ma gi nga ppr oa c h. T hef ul l c or r os i onoft hea r t ef a c tma debyl os t wa xc a s t i ng–amet hodus edt odupl i c a t emet a l s c ul pt ur es c a s tf r om a nor i gi na l model –ha d, upt onow, ha mper edt heunder s t a ndi ngof t hemet a l l ur gi c a l s equenc esus edbymet a l wor k er s . T hr oughawi der a ngi ngc ol l a bor a t i onpr oj ec twi t hs c i ent i s t sf r om C2RMF , Pr éT ec h, Ar S c Ana ndT RACE Sl a bor a t or i es , t het ea mf r om I P ANE MAr ev ea l eda hi ddenmi c r os t r uc t ur ebys hi ni ngl i ghti nt heUV/ v i s i bl er a ngeont heobj ec t , gener a t edbyac ont r a s tofl umi nes c enc ei nduc edbyv a r i a t i onsofc r y s t a l l i ne def ec t swi t hi nt hec or r odeda mul et . S uc hghos tmi c r os t r uc t ur e , i nv i s i bl ewi t h ot hera dv a nc edt ec hni ques , r ev ea l st hef ul l met a l l ur gi c a l s equenc ei nt hec r ea t i onoft hea mul eta ndi t sdegr a da t i ondur i ngbur i a l . L oc a t edont heS OL E I Ls y nc hr ot r ons i t ea tUni v er s i t éPa r i s S a c l a y , I P ANE MAi sa l a bor a t or ydedi c a t edt or es ea r c ha nddev el opmentofa dv a nc edmet hodol ogy ofma t er i a l s ’ c ha r a c t er i z a t i oni na r c ha eol ogy , pa l a eoenv i r onment s , pa l eont ol ogya ndc ul t ur a l her i t a ger es ea r c h. “ S c i ent i s t sha dr ea c hedt hel i mi t sofwha tt heyc oul dl ea r nf r om t hea mul et wi t ht r a di t i ona l i ma gi ngt ec hni quess i nc ei t sdi s c ov er yt hr eedec a desa go. We des i gnedaf ul l -el dphot ol umi nes c enc ea ppr oa c ht ol ooka tt heobj ec t ’ ss t r uc t ur ea ndc ompos i t i oni ngr ea t erdet a i l , ” s a y sa ut horMa t hi euT hour y . T he‘ s pok edwheel ’ s ha peofs i xs ma l l r odsonar i ngof20mm di a met erwa s c on r medt obec a s ti nas i ngl epi ec e , wi t houta nys ol der edpa r t s , a nd, s ur pr i s i ngl y , met a l wor k er sofMehr ga r hus edv er ypur ec opper–i ndi c a t i ngi nnov a t i v e dev el opmenti nt omet a l l ur gya tt het i me . Us i nghi ghpur i t yc opperwa ss oon r ej ec t edbyt hef ounder si nPa k i s t a nwhodi s c ov er edt ha ta ddi ngl ea di nc r ea s ed t hemet a lui di t y . T her es ea r c hs hedsl i ghtont he i nv ent i onofhi ghpr ec i s i onf oundr y t ha ti ss t i l l us edt oda y . L os t wa x c a s t i ngi sapr ec i s emet a l f or mi ng t ec hni que–a l s oc a l l ed‘ i nv es t ment c a s t i ng’ –i na er os pa c e , a er ona ut i c s , a ndbi omedi c i ne , f or hi ghper f or ma nc ea l l oy sf r om s t eel t ot i t a ni um. “ Al t houghi tha snev erbeenus edi n a r c heol ogy , t hephot ol umi nes c enc e i ma gi ngt ec hni quedev el opedher e hol dsgr ea tpr omi s ef ort hi s el d a ndot herdi s c i pl i nes , i nc l udi ngenv i r onment a l s c i enc esa ndgeophy s i c s , ” s a y a ut hor sMa t hi euT hour ya ndL oï cBer t r a nd. T hes e ndi ngswer er s tpubl i s hedi nt hej our na l Na t ur eCommuni c a t i ons Re l e as ef r omBl ue s k yPR


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THE SCALE OFMENTALHEALTH I SSUES CAUSED BY DEBT UNCOVERED Cr edi t f i x ,t heUK’ sl ar ges tper s onal i ns ol v enc ypr ac t i c ehasr el eas ednewf i gur es t hats howt hatper s onal debti shav i nganegat i v ei mpac tont hement al heal t hof i ndi v i dual saf f ec t edbyf i nanc i al pr obl ems . I naUKwi des ur v eyofpeopl ec ur r ent l yi nanI ndi v i dual Vol unt ar yAr r angementor Pr ot ec t edTr us tDeed( I VA/ PTD)wi t hCr edi t f i x ,74perc entofr es pondent ss ai d t hei rper s onal debts i t uat i onhaddi r ec t l yl edt opoorment al heal t h,s uc hasi nc r eas edanx i et y ,depr es s i onandi ns omni a. Oft hi s ,83perc entex per i enc epoorment al heal t h,32perc ents ai dt heyex per i enc edi nc r eas edl ev el sofanx i et yors t r es s ;whi l s t22perc ents ai dt heyhads uf f er edf r om i ns omni aandot hers l eepr el at edpr obl ems .Depr es s i onwasal s oc i t ed amongs tt hos et ac k l i ngdebt ,wi t h15perc entoft hepeopl er epor t i ngpoorment al heal t hs ay i ngt heyf el tdepr es s edasadi r ec tr es ul toft hei ri nc r eas i ngdebt . Ther es ul t soft hes ur v eyal s os howt hat6perc entofr es pondent ss uf f er edf r om wei ghti s s ues ,and3perc enthadpani cat t ac k sasar es ul toft hei rper s onal f i nanc es . Thes er es ul t sar ec ompoundedbyt hef ac tt hats i gni f i c antpr opor t i onofr es pondent sar et r y i ngt omai nt ai nf ul l orpar t t i meempl oy ment ,r el at i ons hi psands uppor tt hei rf ami l i es .Ass uc h,t her eal i t yofper s onal debt r el at edment al heal t h i s s uesi spot ent i al l yawi derpr obl em i ns oc i et y ,wi t ht heef f ec t sr eac hi ngf ari nt o c ommuni t i esandt hewi derec onomy . Cr edi t f i xi st heUK’ sl ar ges tpr ov i derofI VA/ PTDs ,hav i nghel pedov er19, 000 peopl es of ari n2016.Theor gani s at i oni sex pl or i ngf ur t heri nt oment al heal t hwi t h t hehel pofi ndus t r yex per t s ,i nc l udi ngs uppor tf r om uni v er s i t yac ademi c sandaddi t i onal r es ear c hpl annedf or2017. J oBr ewi s ,whoi sPr of es s orofOr gani s at i onandCons umpt i oni nt heSc hool of Bus i nes satt heUni v er s i t yofLei c es t er ,c omment ed:

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“ Per s onal f i nanc ei snowmuc heas i ert os ec ur eduet ot hehuger angeofpr ov i der sandt headv entofnewf i nanc i al s er v i c ess uc haspay dayl oans .Howev er ,i t c anal s obev er yc ompl ext ounder s t and,whi c hi nc r eas est hel i k el i hoodofdef aul t s .I ndeed,i ndi v i dual i ns ol v enc yr at eshav ebeenr i s i ngac os st heUKs i nc e mi d2015. “ TheCr edi t f i xs ur v eyi si mpor t antr es ear c hi nt hi sc ont ex t ,andt her es ul t sar eex t r emel ywor r y i ng.Thef ar r eac hi ngef f ec t sofment al i l l nes sasar es ul tofper s onal debti nc l udeagr eat erbur denont heNHSaswel l ast hec ons i der abl et ol l f or i ndi v i dual st hems el v es ,t hei rf ami l i es ,c ommuni t i es ,c ol l eaguesandempl oy er s . ” Pear s eFl y nn,CEO ofCr edi t f i x ,added: “ Thei mpac tofper s onal debtdoes n’ ts t opats omeone’ sbanks t at ement .I ndi v i dual st hatar es t r uggl i ngwi t hdebtneedhel pands uppor t ,nott obes t i gmat i s ed. AtCr edi t f i x ,al l s t af far et r ai nedt odeal wi t hv ul ner abl ec us t omer sandt oens ur e t heyf eel s uppor t edandunder s t ood–r egar dl es sofwhatl ev el ofdebtt heyar e deal i ngwi t h. “ Ment al heal t hi s s uesl i k eanx i et yanddepr es s i onar es er i ousc ondi t i onst hat peopl ear es t r uggl i ngwi t h,andc anhav ek noc k onef f ec t st hati mpac tonf ami l y member s ,f r i endsandwor kc ol l eagues . “ Thewor r y i ngf ac ti st hatment al heal t hpr obl emsc anl eadpeopl et os pi r al i nt o f ur t herdebt .Wheni nf ac tt hos et hatt ac k l et hes i t uat i onheadonands eekhel p, s uppor tandadv i c ear et heonest hatar eabl et obef i nanc i al l yr ehabi l i t at edand enj oyadebtf r eef ut ur e. ”

Formor ei nf or mat i ononCr edi t f i x ,v i s i twww. c r edi t f i x . c o. uk .


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I sThi st heEndoft heBuyToLetPr oper t yDr eam? I nt hel at es ts queez eonbuy t ol eti nv es t or s ,anumberoff or ec as t er shav eannounc edt hatt heyar eex pec t i ngs l owergr owt h( andi ns omec as esnegat i v e gr owt h)f orhous epr i c esi n2017.I nDec ember ,Nat i onwi deannounc edt hatav er agepr i c eshadgr ownby4. 5% y ear ony ear ,butes t i mat esf r om anumberof s our c ess howt hatex pec t at i onsf or2017ar enots opos i t i v e. Nat i onwi deex pec t shous epr i c est or i s eby2% i n2017,c ompar edt ot heRoy al I ns t i t ut eofChar t er edSur v ey or s ,whi c hex pec t sagr owt hof3%.Thegov er nment ’ s r ec entannounc ementof14newgar denv i l l agesandt hr eegar dent owns ,t ot al l i ng upt o48, 000newhomes ,wi l l al s ohav eanef f ec tongr owt hi nhous epr i c esi nt he nearf ut ur e.

“ Las ty ears awmaj orc hangesf orbuy t ol eti nv es t or st hr oughoutt heUK,t hemai n onebei ngt hec hanget ot axr el i efwher ebyi fy ouar eahi gher r at et ax pay er ,y ou c anonl yobt ai n20% t axr el i efony ouri nt er es tonabuy t ol etmor t gage,wher ey ou c oul dpr ev i ous l yc l ai m 40% agai ns ty ourpr of i t s . “ Wehav et obec ar ef ul bec aus es omet ax pay er s ,dependi ngont hei rot heri nc ome, mayf i ndt hatt heydon’ tgetanyt axr el i efwhat s oev er . “ Themor ec y ni c al amongs tuswoul ds ayt hatt hi si spur el yar ev enuer ai s i ngex er c i s e,butt hemor el ev el headedwoul ds ayt hati t ’ sanat t emptt oc ur bdemandi na buoy antbuy t ol etmar k et ,whi c h,t obef ai r ,woul d,atl eas ti nt heor y ,hel pf i r s tt i me buy er s .

Af t ery ear sofabur geoni ngbuy t ol etmar k eti nt heUK,2016s awt hegov er nment AtHar tShawwehav ec l i ent swhohav e t ak eac t i ont oc ont r ol demandf ors ec ondhous esi nt heUK,i nt hehopeofi nc r eas - “ al r eadydi v es t edt hems el v esofs omeof i ngt heav ai l abi l i t yofpr oper t i est of i r s t t i mehomebuy er s . t hei rr es i dent i al pr oper t ypor t f ol i ot opay t gagesons omeoft hei rr emai ni ng Fi r s t l y ,i nApr i l ,t hegov er nmentannounc edt hatt axr el i efons ec ondhomeswoul d downmor pr oper t i ess oast omi t i gat et heef f ec t sof ber educ edf r om 40% t o20% f orhi gher r at et ax pay er s ,i nabi dt or educ et hei nt hec hanges . c ent i v esonpr oper t yi nv es t ment .Si nc eApr i l ,t her ehasal s obeenas t ampdut y s ur c har geof3% addedt ot axonaddi t i onal pr oper t i eswi t hav al ueofov er “ I nt ur n,t hi swi l l i nc r eas es uppl y ,whi c h, £40, 000.Thi smeanst hatas ec ondhomev al uedat£275, 000,whi c hwoul dhav e es umabl y ,t hegov er nmenthopeswi l l i nc ur r edas t andar ds t ampdut yof£3, 750i fboughtl as ty ear ,wi l l nowc os tanex t r a pr hel pt oc ur bpr i c er i s es . £8, 250duet ot hebuy t ol ets ur c har ge:at ot al of£12, 000i ns t ampdut y . I nNov ember ,Chanc el l orPhi l i pHammondannounc edt hegov er nment ’ sl at es t pl ant oc ur bt heUK’ sbuy t ol etmar k et :ar es t r i c t i onont hes i z eofamor t gaget hat peopl ec angetf oras ec ondhome.I nv es t or swi l l nowhav et opr ov et hatt heyc an mak eapr of i tof25% f r om t hei rr ent al i nc ome,ev eni fi nt er es tr at er i s esi nc r eas e t hei rmor t gagepay ment s . TheUK200Gr oupi st heUK’ sl ar ges tmember s hi pas s oc i at i onofi ndependent c har t er edac c ount anc yandl awf i r ms .St ev eVi c k er si st heT axPar t nerat UK200Gr oupmemberac c ount anc yf i r m Har tShaw,bas edi nShef f i el d.Hes ai d,

Wi l t shi r e

“ Ot her shav ec ons i der edi nc or por at i ng i nt oal i mi t edc ompany .Butt hi sr out e needsc ar ef ul pl anni ngduet opot ent i al t axt r apsc aus edbyt het r ans f ert ot he newc ompany . ” I nhi sAut umnSt at ement ,Chanc el l orPhi l i pHammondannounc edt hatl et t i ng agent swoul dnol ongerbeabl et oc har gel et t i ngf eest ot enant si nEngl and,whi c h i nmos tc as eswi l l meant hatt hec os t sar epas s edont ot hel andl or d. J ohnPai nt er ,Chai roft heUK200Gr oup’ sPr oper t yandCons t r uc t i onI ndus t r y Gr oupandManagi ngPar t nerofWor c es t er bas edCBChar t er edAc c ount ant s , s ai d,“ Thet r ans f er r al ofl et t i ngagent s ’ f eesf r om t enant st ol andl or dsmays eem s i mpl e;i ns t eadofl et t i ngt het enantdeal wi t ht hos ec os t s ,t hel andl or dwi l l nowpay t heupf r ontf eeandr ai s et her entt oc ov ert hec os t . “ I nSc ot l and,l et t i ngagent shav ebeenbannedf r om c har gi ngf eest ot enant ss i nc e Nov ember2012,andr es ear c hf r om hous i ngc har i t yShel t erhass hownt hatt he banhadanegl i gi bl eef f ec tonr ent s .Thi ss ugges t st hatt hel et t i ngagenc i es ’ c os t s ar ebei ngabs or bedbyt hel andl or d,eat i ngi nt ot hemodes tpr of i tmar gi noft he buy t ol eti nv es t or . “ Thec hangei nl egi s l at i ons houl d,howev er ,dr i v edownl et t i ngagent s ’ f eesbyi nc r eas i ngc ompet i t i on,aspr oper t yowner shav et hepower–andnowt hemot i v at i on–t oc hoos el et t i ngagent swi t hl owf ees . ” Sowhatc ani nv es t or sdot omi ni mi s et heef f ec tofal l oft hec hangesannounc edi n 2017?J ohnPai nt erc ont i nues ,“ I nv es t or swhoar ei ndi v i dual sc oul dc ons i deri nc or por at i ngt hei rpr oper t yi nv es t mentpor t f ol i ot or educ et heef f ec tofs omeoft he c hanges .Howev ert hi si sal s of r aughtwi t hhi ddenc os t s ,s uc hasSt ampDut yLand T ax ,andmaynotal way sbeappr opr i at e. ” Ti mes c al esf orr egul at i onandt axc hangesaf f ec t i ngbuy t ol etl ender s : •Reduc t i oni nt axr el i eff r om 40% t o20% f orbuy t ol eti nv es t or si nhi gher r at et ax br ac k et :Al r eadyi npl ac e •Addi t i onal s t ampdut ys ur c har geof3% f ors ec ondhomes :Al r eadyi npl ac e •I nc r eas ei nr egul at i ononmor t gagesf orbuy t ol eti nv es t or s :Camei nt oac t i on1 J anuar y2017 •Banonl et t i ngagent sc har gi ngf eest ot enant s :Yett obeannounc ed TheUK200Gr oup,es t abl i s hedi n1986,r epr es ent sas i gni f i c antgr oupoft r us t ed, qual i t y as s ur edbus i nes sadv i s er s–c har t er edac c ount ant sandl awy er s–who hav eov er150, 000SMEc l i ent si nt ot al .Ass uc h,t heUK200Gr oupac t sast he v oi c ef or1, 899c har i t i es ,ov er12% ofal l r egi s t er edac ademi es ,mor et han3, 887 f ar ms ,800heal t hc ar ebus i nes s esandov er4, 000pr oper t yandc ons t r uc t i onpr of es s i onal s .

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A Per f ectWi l dweekendf est i val ofAdvent ur epl annedf or Pur becki nDor set APer f ec tWi l dweek endf es t i v al ofAdv ent ur epl annedf or Pur bec ki nDor s et Cl i mbi ng,wi l ds wi mmi ng,Nor di cWal k i ng,mi l esofmount ai n bi k et r i al sandnear l y30mi l esofgl or i ousCoas tandCount r y s i det or uni t .I ts oundsl i k et hePeakDi s t r i c torSc ot l and?No, Pur bec kont heDor s etCoas ti sbec omi ngaf as tf av our i t ef or awhol es ec t orof‘ Getoutdoor s ’ l ov er sf r om ac r os st heUk , l ook i ngf oradv ent ur eabi tc l os ert ot heM25. Anc hor i ngal l t hi st oget heri samul t i ev entweek endk nown asTPOW ( ThePur bec kOut doorWeek end. )Fr om Sept ember15t h-17t h.Thei deamor phedf r om t hehugel ys uc c es s f ul ‘ Pur bec kMar at hon’ whi c hqui c k l ys eti t ’ ss el fi nt het op t hr eemar at honsi nt heCount r y ,c apt i v at i ngal l whot ookpar t , f ori t ’ suni queJ ur as s i cCoas ts et t i ng,c ov er i ngs omeoft he Uk ’ smos ti c oni cl andmar k s.2016s awt hi sbec omeaf ul l y dev el opedr unni ngf es t i v al i nc or por at i ngac ompani on16k , pl usahugel ys uc c es s f ul Nor di cWal k i ngFes t i v al . FounderandOr gani z erJ as onHai s el denhasbeenas t oundedbyi t ss uc c es s : Hes ay s : Ihopet hef ul l adv ent ur epr ogr ammef or2017,wi l l hav ehuge appeal .Wi t ht hec onc eptoft heMar at honal r eadywel l es t abl i s hed,wewer ec ont ac t edbyaddi t i onal member soft heout doorc ommuni t yt oenc ompas sev ent si nt oapr operal l r ound adv ent ur eweek endf es t i v al ,andal s ohav et heoppor t uni t yt o s howc as et hear eaons uc habi gs c al e.Weal s onowhav e c har i t abl es t at us ,andi t ’ shugel yr ewar di ngt obeabl et ogi v e bac kt ol oc al c ommuni t y For2017anI r onmans t y l eev enti sbei ngpl anned,aswel l as ac l i mbi ngf es t i v al andaSundaymor ni ngJ og/ anddog. . Wi t h t hepot ent i al f ordement i af r i endl yNor di cwal k i ngandf ami l y r un,J as ons ay s : It hi nkpeopl ear eex c i t edt hatt hear eai sr eal l yac c es s i bl e, r at hert hant r av el l i ngf ormi l esandmi l es ,andany onewho hasbeenher ewi l l t el l y out her ei snowher equi t el i k ei t ,y ou c andi v e,c oas t eer ,hi k eev enSl ac kLi neandk i t es ur fal l i n 48hour s !Ther er eal l yi ss omet hi ngf orev er y one,i nc el ebr at i onoft heout door s ,andal l t hatDor s ethast oof f er . Ent r i esar enowopenf ort hePur bec kRunni ngFes t i v al and Bi k eBi mbl e,wi t haddi t i onal ev enti nf or mat i onbei ngaddedt o t hewebs i t eal l t het i me. Pl eas ev i s i twww. t pow. c o. uk , emai l :i nf o@t pow. c o. ukf ors pons or s hi poppor t uni t i es Rel eas ef r om Vi ol etPR

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