Podcasts about SEPA

Una fe que se defiende no solo con argumentos, sino con una vida transformada: en este episodio reflexionamos sobre cómo la cosmovisión bíblica nos ayuda a enfrentar el estrés, amar al prójimo y legar una fe viva a la generación venidera.

Cuando entendemos que lo único verdaderamente “secular” es el pecado, todo en la vida diaria —desde cocinar frijoles hasta un día de playa o el duelo por un ser querido— se convierte en una oportunidad para discipular a nuestros hijos y vivir para la gloria de Dios. En este episodio, reflexionamos sobre el llamado de los padres a ser pastores de sus hogares en medio de una cultura global cada vez más secularizada.

As the EU prepares to mandate Verification of Payee across the SEPA region, its implications are already under scrutiny. For corporates, the road may be bumpy, but with stronger identifiers, clearer implementation rules, and deeper collaboration, the destination is still within reach.

En un mundo que ha perdido sus fundamentos cristianos, ¿cómo podemos formar en nuestros hijos una manera de pensar conforme a la Palabra de Dios? En este episodio, el pastor Danny Rojas conversa con el pastor Usiel Abreu sobre la importancia del discipulado como “transferencia de vida” y la necesidad de desarrollar una cosmovisión bíblica que transforme nuestra mente y la de las próximas generaciones.

The 'bionic eye' may make you think of Star Trek's Geordi La Forge. Now, scientists have restored the ability to read in a group of blind patients with advanced dry age-related macular degeneration (AMD). And they've done it by implanting a computer chip in the back of their eyes. Professor Francesca Cordeiro, Chair of Ophthalmology at Imperial College London explains how bionic technology might provide future solutions for more people with sight loss.Researchers at the University of Sheffield have come up with a way of extracting hormones from human remains dating as far back as the 1st century AD. Marnie Chesterton speaks to Brenna Hassett, bioarchaeologist at the University of Lancashire to find out how pregnancy testing skeletons could cast new information on human evolution. In a world of automation and AI, its easy to forget that every day, people around the UK record weather observations which contribute to our understanding of climate science. Marnie meets Met Office volunteer Stephen Burt and climate scientist at the University of Reading, Professor Ed Hawkins to find out more. And science broadcaster Caroline Steel brings us brand new discoveries changing the way we understand the world around us.If you want to find out more about volunteering to collect rain data, you can email: nationalhydrology@environment-agency.gov.uk. If you're in Scotland, visit the SEPA website: https://www2.sepa.org.uk/rainfall/GetInvolvedTo discover more fascinating science content, head to bbc.co.uk search for BBC Inside Science and follow the links to The Open University.Presenter: Marnie Chesterton Producer(s): Clare Salisbury, Ella Hubber, Jonathan Blackwell, Tim Dodd Editor: Martin Smith Production Coordinator: Jana Holesworth

SEPA Instant payments will allow personal and business customers to make a euro payment within ten seconds, 24 hours a day. In tandem with this, Verification of Payee (VoP) will also be introduced for both SEPA Instant and standard SEPA payments. The services are being introduced as part of the EU's Instant Payments Regulation and will come into effect from 9 October 2025. While the benefits of faster transactions and enhanced security are obvious, there may be some teething problems in the initial stages. Uneven rollout across Irish banks may cause short-term confusion or fragmented service, and VoP does not entirely eliminate scams or social-engineering risks. To find out more about this I caught up with  Donal McGuinness, CEO of Prommt who was a guest on the podcast last year.Donal talks about his background, faster payments, and older demographics.More about Donal McGuinessSerial entrepreneur Donal McGuinness is CEO of Prommt. He studied Computer Science at DCU and Telecommunications Engineering at DIT and spent the early years of his career in the telecommunications industry. His experience in mobile payments dates to 1999 when he founded his first mobile payments company, ItsMobile. Donal was also a Non-Executive Director of the Irish Internet Association from 2009 to 2011 and a movie distribution business from 2002 to 2020.In 2016 Donal joined a silicon valley startup in the identity verification space called Danal inc, where he set up and grew the global business outside of the USA as General Manager of EMEA until 2019 when the business was acquired by Boku Inc for $112 million USD. Donal joined Prommt as CEO in 2019. He is an innovator and is passionate about payment innovation.

SEPA Instant payments will allow personal and business customers to make a euro payment within ten seconds, 24 hours a day. In tandem with this, Verification of Payee (VoP) will also be introduced for both SEPA Instant and standard SEPA payments. The services are being introduced as part of the EU's Instant Payments Regulation and will come into effect from 9 October 2025. While the benefits of faster transactions and enhanced security are obvious, there may be some teething problems in the initial stages. Uneven rollout across Irish banks may cause short-term confusion or fragmented service, and VoP does not entirely eliminate scams or social-engineering risks. To find out more about this I caught up with Donal McGuinness, CEO of Prommt who was a guest on the podcast last year. Donal talks about his background, faster payments, and older demographics. More about Donal McGuiness Serial entrepreneur Donal McGuinness is CEO of Prommt. He studied Computer Science at DCU and Telecommunications Engineering at DIT and spent the early years of his career in the telecommunications industry. His experience in mobile payments dates to 1999 when he founded his first mobile payments company, ItsMobile. Donal was also a Non-Executive Director of the Irish Internet Association from 2009 to 2011 and ran a movie distribution business from 2002 to 2020. In 2016 Donal joined a silicon valley startup in the identity verification space called Danal inc, where he set up and grew the global business outside of the USA as General Manager of EMEA until 2019 when the business was acquired by Boku Inc for $112 million USD. Donal joined Prommt as CEO in 2019. He is an innovator and is passionate about payment innovation. See more podcasts here.

When looking at the Twin Tunnels in Downingtown, PA a feeling of unease appears. Is it because you can't peer inside the tunnel and see the other end? Or is it because you heard a strange sound and just aren't quite sure if it was natural or not? Or did you turn too fast and see something out of the corner of your eye? The Twin Tunnels are infamous throughout SEPA. I guarantee you probably know someone who has a story. Whether it be a local, someone just passing through, or the avid paranormal enthusiasts so many stories are tied to the Twin Tunnels.  In this episode we are going to touch on the local lore and a cold case that is tied to these tunnels. Buckle up because we are covering outlandish ghost stories all the way to a brutal murder that left a woman unidentified for just over 30 years. 

Vamos tarde pero apurados.En dos días empieza Roll a Game, que viene siendo como la joven promesa del panorama jugón.Sepa acá mismo qué va a poder encontrar, y ya que estamos en época de elecciones, ponga oreja porque acá no le vamos a contar el plan de gobierno completo, pero sí le vamos a hacer la propaganda electoral.Sepa cuáles son las promesas de la feria, en qué quiere destacarse, y cuáles propone como sus puntos fuertes. En volá usted decide que no le gusta lo que propone y no quiere ir no más po, cosa suya.¿Pero y si le gusta?Déjeme ayudarlo... si es jugón, le va a gustar.

Trabajas duro, te portas bien, ayudas con la empresa y tus compañeros, pero depronto te ponen un jefe que se cree el dueño de la compañía y te pone a hacer tu trabajo y el de él. Mantente al día con los últimos de 'El Bueno, la Mala y el Feo'. ¡Suscríbete para no perderte ningún episodio!Ayúdanos a crecer dejándonos un review ¡Tu opinión es muy importante para nosotros!¿Conoces a alguien que amaría este episodio? ¡Compárteselo por WhatsApp, por texto, por Facebook, y ayúdanos a correr la voz!Escúchanos en Uforia App, Apple Podcasts, Spotify, y el canal de YouTube de Uforia Podcasts, o donde sea que escuchas tus podcasts.'El Bueno, la Mala y el Feo' es un podcast de Uforia Podcasts, la plataforma de audio de TelevisaUnivision.

100 agentes de ICE llegaron a San Francisco para empezar una operación llamada “invasión.” Durante esta operación ICE planea moverse por varios condados de la bahía que incluyen el condado de Sonoma, Napa y otros más en un área de 40 millas. Sepa sus derechos. #sonomacounty #familia #migrantes #inmigrantes #lakecounty #mendocinocounty #daca

Technieuws Microsoft beëindigde vorige week officieel de ondersteuning voor Windows 10 | TPM 2.0 omzeilen voor Windows 11 11de lancering van Starship werd een succes | SLS vs. Starship voor Artemis Wet die politieke advertenties sterk beperkt is vanaf vrijdag actief. California keurt wet goed die AI-companions reguleert. Apple kondigt nieuwe iPad, instap MacBook Pro 14” en Vision Pro met M5 aan | Apple levert geen oplader meer bij Macbook Pro M5 | Qualcomm’s mobiele en laptop chips zijn veelbelovend Europa verplicht minimaal één USB-C-poort op opladers. Sony bevestigd komst van Horizon Zero Dawn film | Amazon bestelt twee seizoenen rondom God of War | Ghost of Tsushima anime-serie op Crunchyroll Reportage: De link tussen bordspellen en video games (2/4): Pac-Man Deep dive(s) Nederlandse regering zet topman van chipfabrikant Nexperia op non actief vanwege wanbestuur | NFC chip in de iPhones | Een reconstructie van de ‘nationalisering’ | Hoe nu verder | De Amerikaanse regering nam in augustus 10% van de aandelen van Intel over Sinds 9 oktober moeten SEPA-transfers in de Eurozone instant uitgevoerd worden zonder meerprijs t.o.v. een gewone overschrijving.

Mishal Ruparel, Chief Commercial Officer, Banking CircleUltra high-speed access to global, multi-currency instant payments appears to be the new backbone of payments infrastructure. The aim is to overhaul legacy payments using interoperable APIs. Robin Amlôt of IBS Intelligence speaks to Mishal Ruparel of Banking Circle about next generation banking and the increasing role likely to be played by stablecoins.

Las agrupaciones políticas se preparan para elegir a sus candidatos que los representarán en las elecciones generales del 2026, sin embargo, hoy conocemos que no solo la mayoría los elegirá con el voto de delegados, sino que, además, lo harán con un número muy reducido de estos representantes. Sepa de qué agrupaciones son en el siguiente informe de Maricarmen Chinchay, periodista de El Poder en tus Manos.

Callar no es opción cuando el problema de pareja está ahí, acabando con nuestra paz mental y con nuestra autoestima.

Miguel Ángel González Suárez te presenta el Informativo de Primera Hora en 'El Remate', el programa matinal de La Diez Capital Radio que arranca tu día con: Las noticias más relevantes de Canarias, España y el mundo, analizadas con rigor y claridad. Miguel Ángel González Suárez te presenta el Informativo de Primera Hora en 'El Remate', el programa matinal de La Diez Capital Radio que arranca tu día con: Las noticias más relevantes de Canarias, España y el mundo, analizadas con rigor y claridad. Hoy hace 2 años: Coalición Canaria traslada a Sánchez que “como mucho” se abstendrá en la investidura. Acepta negociar con el PSOE las demandas que pactó en su día con el PP y asegura que “a día de hoy” está lejos de un 'sí'. Hoy hace 2 años: Canarias ya aplica la ley que permite a las mujeres abortar en la sanidad pública. Hoy se cumplen 1.339 días del cruel ataque e invasión de Rusia a Ucrania. 3 años y 229 días. Hoy es lunes 13 de octubre de 2025. Día Sin Sujetador - No Bra Day Cada 13 de octubre las mujeres alrededor del mundo celebran el Día Sin Sujetador-No Bra Day. Esta fecha tiene una connotación muy significativa, ya que es una propuesta dirigida a las mujeres a no usar sujetador durante este día, como una manera de concienciar a la población femenina a nivel mundial sobre el cáncer de mama. Muchas mujeres consideran que el sujetador es una prenda incómoda y restrictiva. El no usar sujetador representa una sensación única de comodidad y libertad, claro está, que depende del gusto y la decisión de cada mujer en utilizar esta prenda femenina. 1792.- Se coloca la primera piedra del edificio que se convertiría en la Casa Blanca. 1843.- Isabel II establece el rojo y amarillo como bandera de España al decretar que las escarapelas de todos los cuerpos del Ejército tengan esos colores. 1917: En Fátima (Portugal), ante 70.000 testigos, los pastorcitos Jacinta Marto, Francisco Marto y Lucía dos Santos afirman que pueden ver a la Virgen de Fátima y oír sus palabras. 1943: En el marco de la Segunda Guerra Mundial, el nuevo gobierno de Italia se une a los aliados y declara la guerra a Alemania. 1972.- Un avión en el que viajaban 45 personas, entre ellas el equipo de rugby uruguayo Old Christian Club, se estrella en los Andes. Durante dos meses los supervivientes se alimentaron de restos humanos para sobrevivir. 1983.- Entra en funcionamiento el primer sistema de telefonía celular, Sistema Móvil Avanzado (AMPS, siglas en inglés). 1992.- Un Concorde francés concluye la vuelta al mundo en 32 horas y 49 minutos, récord de la aviación. 2020.- Apple presenta el iPhone 12, primero compatible con 5G. Santoral: Eduardo, Florencio, Geraldo, Leobono, Lubencio, Rómulo, Simberto, Teófilo y Venancio. Israel inicia la retirada parcial de sus tropas de Gaza y miles de gazatíes emprenden su regreso al norte del enclave. Zelenski habla de nuevo con Trump en plena ofensiva rusa contra las infraestructuras energéticas. María Corina Machado, la líder opositora venezolana, ganadora del Premio Nobel de La Paz. El fiscal general negó ante el juez que filtrara el correo de González Amador a la prensa: "Rotundamente no" El profesorado de Canarias alega sufrir más estrés que la media en España y destaca por el uso de las tecnologías en el aula. La macroencuesta a los docentes recogida en el informe TALIS refleja que el profesorado de Primaria en las Islas es el que muestra menores reservas ante la introducción de la Inteligencia Artificial (IA) en el aula. También es el que habla de que pierde más tiempo en clase debido a las interrupciones del alumnado. La inserción laboral en universidades canarias es un 63% un año después de la graduación. Por ramas de conocimiento, Ingeniería y Arquitectura presentan la mayor inserción laboral con 64%, mientras que Artes y Humanidades alcanzan 31%. Desde el 9 de octubre de 2025 ha entrado en vigor una normativa europea que modificará el sistema de transferencias bancarias en el espacio SEPA. Desde esa fecha, los bancos estarán obligados a comprobar que el nombre del beneficiario coincida con el IBAN antes de autorizar el envío de dinero, una medida pensada para reforzar la seguridad y frenar el auge de los fraudes electrónicos. Un alto mando policial en Canarias da positivo en un control de alcoholemia en pleno servicio Fuentes sindicales señalan además que el vehículo intervenido era oficial, lo que añade gravedad al caso. El sinhogarismo crece el 23%, 2.838 personas, en Tenerife: la cifra más alta en 5 años. Cáritas advirtió que el informe desgrana “las múltiples caras” de una emergencia habitacional que “se extiende por los 31 municipios de Tenerife” Un 13 de octubre de 2016.- Bob Dylan recibe el Premio Nobel de Literatura. Sin lugar a duda, 'Like A Rolling Stone' es la canción que define a Dylan, su visión de la vida y su status como ícono más allá de su obra musical.

À partir du 9 octobre, un petit changement technique pourrait bien chambouler notre manière de faire des virements bancaires. Derrière cette réforme, voulue par l'Union européenne, se cache un objectif clair : freiner les escroqueries de plus en plus nombreuses autour des paiements. Mais dans la pratique, elle risque aussi de ralentir, voire de bloquer, un grand nombre de transactions.Jusqu'ici, quand vous faisiez un virement, il suffisait de saisir un IBAN valide. À partir de cette date, cela ne suffira plus. Les banques devront désormais vérifier que le nom du bénéficiaire correspond bien à l'IBAN renseigné. Cette mesure, baptisée « Vérification du bénéficiaire » ou « Verification of Payee », s'appliquera à tous les virements SEPA, qu'ils soient classiques ou instantanés.Concrètement, dès qu'un virement sera initié, la banque de l'expéditeur interrogera celle du destinataire. Si les deux informations – nom et IBAN – concordent, le transfert s'exécutera sans problème. En revanche, s'il existe une différence, même légère, un message d'avertissement apparaîtra : la banque affichera le nom « officiel » du titulaire du compte, et l'utilisateur devra confirmer qu'il souhaite poursuivre. Si le nom est complètement différent, le virement sera bloqué, ou du moins suspendu le temps de vérifications supplémentaires.L'idée est louable : chaque année, des milliers de particuliers et d'entreprises se font piéger par des fraudes dites au « faux RIB ». Un escroc modifie le numéro de compte sur une facture, et l'argent part au mauvais destinataire. Cette vérification obligatoire doit donc réduire ces risques. Mais dans la réalité, beaucoup de virements légitimes risquent de déclencher des alertes, notamment à cause de simples erreurs de saisie ou d'intitulés imprécis.Autre conséquence : les entreprises devront vérifier que le nom exact de leurs fournisseurs ou clients est bien aligné avec celui enregistré auprès de la banque, faute de quoi leurs paiements automatiques pourraient être refusés. Et pour les particuliers, la moindre faute de frappe dans un nom pourrait provoquer un message d'avertissement, voire un blocage temporaire.Cette règle découle du règlement européen 2024/886, qui vise à uniformiser la sécurité des paiements dans toute la zone euro. Elle ne fixe aucun seuil de montant : tous les virements, même de quelques euros, seront concernés.En résumé, l'Europe veut rendre les virements plus sûrs. Mais dès le 9 octobre, il faudra s'habituer à un monde où taper un nom de travers pourrait suffire à bloquer un transfert. Hébergé par Acast. Visitez acast.com/privacy pour plus d'informations.

VOV1 - Moldova đã chính thức kết nối với Khu vực thanh toán đồng Euro duy nhất (SEPA), đánh dấu một cột mốc quan trọng trong hành trình hội nhập kinh tế châu Âu của quốc gia Đông Âu này.

Crnogorski građani i privreda od 7. oktobra će jeftinije slati i primati novac u oko 40 evropskih država među kojima su sve članice Evropske unije jer je Crna Gora i operativno deo SEPA platnog prometa. To u praksi znači da je besplatan prvi dnevni transfer do 200 evra u bilo koju državu SEPA zone.

Some pretty notable changes for bank customers came into force over the weekend. One of the changes SEPA or instant payments will mean transfers taking no more than 10 seconds at any time of the day or night. The other Verification of Payee or VOP could pose problems. That's because if you're paying someone online you have to get their full name exactly correct and not an approximation. BPFI launch nationwide information and awareness campaign including online resource Payrightnow.ie. Joe spoke to Gill Byrne, Head of Payments at the banking and payments Federation Ireland.

Clark County and partner cities released a Draft Environmental Impact Statement for the Growth Plan Update under SEPA, with public comment accepted through Nov. 30, 2025. https://www.clarkcountytoday.com/news/county-releases-draft-environmental-impact-statement-for-growth-plan-update/ #ClarkCounty #DEIS #SEPA #GrowthManagementAct #ComprehensivePlan #CommunityPlanning #PublicComment

Dal 9 ottobre, dando seguito agli obblighi di un Regolamento Ue, ogni conto corrente dovrà permettere l’emissione di bonifici istantanei. Una novità che segue quella del 9 gennaio scorso, quando era stato introdotto il divieto di applicare un sovrapprezzo a questo tipo di servizio. Le commissioni per i bonifici istantanei devono essere infatti, oggi, identiche a quelle dei bonifici ordinari SEPA. A rendere più sicuro lo strumento arriva, inoltre, la verifica obbligatoria del beneficiario: la banca controllerà la corrispondenza tra IBAN e nome prima dell’esecuzione, informando il cliente e chiamandolo a una maggiore consapevolezza nelle proprie scelte. In questa puntata facciamo il punto con Anna Vizzari, Coordinatrice Public Affairs di Altroconsumo.

Artificial intelligence is no longer just a buzzword in manufacturing. The pace of adoption has been incredible, yet the reality is far more complex than flashy headlines suggest. In this episode of Manufacturing Hub, Vlad Romanov and Dave Griffith welcome back Tom Hechtman, founder of Sepasoft, to explore how AI is actually being deployed on the plant floor, what barriers remain, and whether we are truly transforming manufacturing or simply tinkering at the edges.Tom brings decades of experience building MES solutions for manufacturers around the globe. From his early days in the Midwest working with Rockwell Automation technology to launching Sepasoft's Ignition MES modules and now leading the development of Sepa IQ, Tom has been at the forefront of data, analytics, and system integration. His insights bridge the gap between hype and practice, helping us understand where AI creates real ROI, where it still falls short, and how to build the foundations for success.Throughout the conversation we dive into the challenges of quality improvement, predictive maintenance, scheduling optimization, and contextualizing plant data. We discuss the importance of trust in both data and AI-generated outputs, the economics of running LLMs and machine learning models, and why cybersecurity and data governance cannot be an afterthought. Drawing on the recent MIT study that revealed only 5 percent of AI projects make a measurable P&L impact, Tom helps us unpack what manufacturers need to do differently if they want to avoid being part of the 95 percent that fail.We also get an update on Sepa IQ and how customers are using it to connect plant floor data, structure it for AI and analytics, and prepare for advanced scheduling and predictive tools. From lessons learned working with early adopters to practical advice on starting small, Tom makes it clear that manufacturing AI is a journey that requires technical expertise, domain knowledge, and cultural change.Whether you are an executive evaluating AI investments, a controls engineer curious about new tools, or a plant manager wondering how to get real results, this episode delivers a balanced, practical, and in-depth perspective on the future of AI in manufacturing.Timestamps 00:00 Introduction and AI in every manufacturing conversation 03:00 Tom Hechtman background and the origins of Sepasoft 05:00 MES modules, batch processing, and the evolution of Sepa IQ 08:00 Defining manufacturing AI and the role of plant floor data 13:00 Quality improvement and predictive analytics opportunities 20:00 Foundational challenges with legacy systems and data collection 24:00 Insights from the MIT study on AI adoption and ROI 32:00 Training data, context windows, and the economics of LLMs 44:00 Sepa IQ customer feedback and scheduling optimization 50:00 Trust, hallucinations, and cybersecurity considerations 59:00 ICC announcements, demos, and proof of concept program 1:03:00 Predictions for AI in manufacturing and career adviceReferences mentioned in the episode MIT study on AI in business: https://mitsloan.mit.edu/ideas-made-to-matter/how-to-get-ai-to-pay-off Sepasoft Blog on AI and manufacturing: https://sepasoft.com/blog/ The One Thing by Gary Keller: https://www.the1thing.com/About the guest Tom Hechtman is the founder of Sepasoft, a leading provider of MES modules for the Ignition platform by Inductive Automation. With decades of experience in manufacturing, integration, and software development, Tom has helped companies worldwide improve efficiency, quality, and data visibility. Learn more at https://sepasoft.com/ and connect with Tom on LinkedIn: https://www.linkedin.com/in/tom-hechtman-32b6b66/About the hosts Vlad Romanov is the founder of Joltek, a consulting and integration firm focused on helping manufacturers modernize systems, bridge IT and OT, and drive digital transformation. Learn more at https://www.joltek.com/ and connect on LinkedIn: https://www.linkedin.com/in/vladromanov/Dave Griffith is an industrial automation consultant and co-host of Manufacturing Hub. He works with manufacturers and integrators to identify opportunities, manage digital projects, and build future-ready operations. Connect with Dave on LinkedIn: https://www.linkedin.com/in/davegriffith/If you enjoyed this conversation, make sure to subscribe to Manufacturing Hub for more weekly discussions with industry leaders about automation, digital transformation, and the evolving world of manufacturing.

Priscila Faz y Alexandra Ivanisevic de Sepa la madre podcast, narran la historia de Daniel, un niño curioso que crea monstruos con sus eructos. A través de este divertido cuento para niños, los pequeños aprenderán cómo funciona el cuerpo y por qué es importante beber agua simple. Con un toque de humor y enseñanzas sobre salud infantil, esta historia fomenta hábitos sanos mientras entretiene. Ideal para escuchar en familia y despertar la curiosidad de los niños sobre el cuidado de su cuerpo.Bienvenidos a Había una vez, un podcast de cuentos para niños y niñas donde podrás escuchar cuentos cortos y divertidos. Nuestros cuentos infantiles están hechos para educar, entretener y divertir a los peques, si amas los cuentos para dormir, llegaste el lugar indicado. Hosted on Acast. See acast.com/privacy for more information.

Welcome back to the Rural Roundup. On today's episode George Chalmers and Mary-Jane Lawrie highlight what's happening in Scottish agriculture and are then joined by Peter Lang from SEPA to discuss new regulations for the application of waste to land, which will come into effect on 1st November 2025. FAS Resources Preparing For The Future | Helping farmers in Scotland Other Resources Use of waste on land - changes to regulations | SEPA Contact us - SEPA (Scottish Environment Protection Agency) Scottish Suckler Beef Support Scheme (Mainland and Islands) full guidance Scottish Upland Sheep Support Scheme full guidance For more information, visit  www.FAS.scot Twitter: @FASScot Facebook: @FASScot National Advice Hub Phone: 0300 323 0161 Email: advice@fas.scot

Wat doe je na je pensioen? Als je Gijs Boudewijn heet, dan is het antwoord: gewoon verder bouwen aan de toekomst van het Europese betalingsverkeer. Zijn eerste 100 dagen “pensioen” zitten erop, en dat betekent voor de Nieuwe Knikkers een mooie aanleiding om hem op te zoeken.We praten met Gijs over zijn nieuwe rol als voorzitter van de European Payments Council (EPC), de club achter het SEPA-betaalschema. Hoe ziet hij de toekomst van SEPA in een wereld waarin stablecoins, digitale valuta en geopolitieke spanningen steeds nadrukkelijker een rol spelen?We gaan ook in op het belang van samenwerking in Europa, iets waar Gijs zich al jaren hard voor maakt, én de uitdagingen die hierbij komen kijken. Hoe breng je nationale belangen samen onder één Europese betaalvisie? Welke veranderingen ziet hij voor de EPC als organisatie in deze snel veranderende context?Een aflevering vol strategische inzichten, Europese nuance en een vleugje Hollandse nuchterheid.-----------------------------Deze aflevering is mede-mogelijk gemaakt door Endava, software engineering for a digital age.

En el año 1987, el periódico de Houston relató el caso de un joven acusado de robo cuya vida cambió por una carta. El juez que llevaba el caso recibió una misiva de un pastor local asegurando que conocía al joven, que este se había arrepentido y que la iglesia lo apoyaría en su rehabilitación. Conmovido, el juez decidió otorgar libertad condicional supervisada en lugar de prisión. Años después, aquel joven se convirtió en predicador itinerante, llevando su testimonio a prisiones y comunidades vulnerables. A veces, una palabra de intercesión abre una puerta que parecía cerrada para siempre. En las manos de Dios, una carta puede ser el inicio de una historia de redención. La Biblia dice en Santiago 5:20: “Sepa que el que haga volver al pecador del error de su camino, salvará de muerte un alma…” (RV1960).

En este episodio de 10AMPRO, Gabriel Merlo comparte su visión sobre la IA, explorando cómo los tokens están transformando la forma en que procesamos información, invertimos en tecnología y aprendemos en comunidad.----*Gabriel Merlo*Cuenta en Youtube: https://www.youtube.com/@gabmerloCuenta en X: https://x.com/gabmfrl Cuenta en Linkedin: https://www.linkedin.com/in/gabrielmerloflores/ ----Links presentados en el episodio:1. https://openrouter.ai/2. https://tiktokenizer.vercel.app/---

The First Minister answers questions from Party Leaders and other MSPs in this weekly question time. Topics covered this week include: Evelyn Tweed To ask the First Minister what action the Scottish Government is taking to reduce the number of road traffic incidents on the trunk road network, in light of reports of a number of serious accidents over the summer. Tess White To ask the First Minister whether he will provide an update on the steps that the Scottish Government is taking as a result of the Supreme Court judgment in For Women Scotland Ltd v The Scottish Ministers Alex Rowley To ask the First Minister, in light of SEPA's warnings of water scarcity over the summer and the introduction of restrictions on water abstraction last week in some areas, including North Fife, what action the Scottish Government is taking to secure water supply in Scotland in the face of changing climate conditions.   A full transcript of this week's First Minister's Questions is available here: https://www.parliament.scot/chamber-and-committees/official-report/search-what-was-said-in-parliament/recent-publication?meeting=16549&iob=141274 

The European Instant Payments Regulation which came into force a year ago, now requires all payment service providers in the Eurozone of the European Economic Area to offer SEPA instant credit transfers for incoming payments by January 2025 and for outgoing payments by October 2025 at the latest. This regulation thus reaffirms its objective of accelerating the adoption of SCT Inst and aims for greater alignment with traditional SEPA credit transfers.

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Escuche esta y más noticias de LA PATRIA Radio de lunes a viernes por los 1540 AM de Radio Cóndor en Manizales y en www.lapatria.com, encuentre videos de las transmisiones en nuestro Facebook Live: www.facebook.com/lapatria.manizales/videos

Three river catchments in the East of Scotland are now in a state of significant scarcity - that's the most extreme level of water shortage issued by SEPA, the Scottish Environment Protection Agency. It says the river Deveron in Aberdeenshire is at its lowest level since the 1970s and that unless there's significant rainfall, other rivers including the Lower Tweed and the Don could also fall into that highest drought-alert category. Farmers in Scotland have been harvesting cereals earlier than usual, and agronomists are warning that shifting weather patterns mean growers will need to change their farming practices to help deal with the impacts of climate change.Butterflies are an important pollinator across farmland, orchards and gardens. However, their numbers have fallen dramatically over the last fifty years. According to the charity, Butterfly Conservation, they've dropped by 80% since 1970, due to habitat loss and changes in land management. We take a look at a project in South Wales where grazing cattle are helping to manage bracken and encourage rare High Brown Fritillary butterflies.Presenter: Caz Graham Producer: Rebecca Rooney

In the early 2000s, when she was doing legal work in her native Texas, Sheri Givens held state government roles that put her in the thick of energy policy-making. And in 2009, Texas Governor Rick Perry appointed Sheri the chief executive of Public Counsel of the Texas Office of Public Utility Counsel. That made her, in effect, the consumer advocate for all 20 million Texas utility ratepayers.To do that job well, Sheri wanted to sit down with consumers across the state. So she spent days crisscrossing the state in her truck advising consumers on their energy utility choices.Sheri went on to consultancy and executive roles in the energy sector. Now, as president and CEO of the Smart Electric Power Alliance (SEPA), a non-profit organization for energy sector professionals, she still has that same enthusiasm for empowering people. Amid tremendous demand for clean energy and deep uncertainty around federal energy policy, SEPA convenes folks from across the sector, the country, and the world to learn from each other. This week on With Great Power, Sheri shares why she's bullish on states' progress toward clean energy goals despite federal headwinds, and what strategies utilities are using to advance policy and innovation right now.With Great Power is a co-production of GridX and Latitude Studios.Subscribe on Apple, Spotify, or anywhere you get podcasts. For more reporting on the companies featured in this podcast, subscribe to Latitude Media's newsletter.Credits: Hosted by Brad Langley. Produced by Erin Hardick and Mary Catherine O'Connor. Edited by Anne Bailey. Original music and engineering by Sean Marquand. Stephen Lacey is executive editor. The Grid X production team includes Jenni Barber, Samantha McCabe, and Brad Langley.

Comenzó oficialmente la operación estadística más grande del país: los Censos Nacionales 2025, organizados por el Instituto Nacional de Estadística e Informática (INEI). Sepa de que trata y las innovaciones que trae esta jornada cívica que durará tres meses.

En esta reflexión llena de fuerza y ternura, nuestra Madre nos llama a orar sin cesar para que no nos dejemos sacudir por el enemigo. María nos recuerda que cuando vivimos en oración, Satanás pierde poder… y reconoce que le pertenecemos a ella, a su corazón maternal. Es un llamado a confiar, a abandonarnos en su amor y a dejarnos conducir por ella al corazón de Dios.

En entrevista con Pamela Cerdeira, para MVS Noticias, Israel Vallarta, detenido por secuestro desde 2005 por el mediático caso de la francesa Florence Cassez, habló de su caso tras ser absuelto y liberado este viernes, después de permanecer casi 20 años en prisión sin una sentencia.See omnystudio.com/listener for privacy information.

Manuel Burque  ha pasado por la sección "No soporto" y ha tenido para casi todo y casi todos: No soporta los museos; considera que las croquetas están muy sobrevalorada;  no puede con el libro "Crimen y castigo" desde la página 31 en adelante; considera que la sintonía de "cumpleaños feliz"  la compuso un psicópata y, por ejemplo, no soporta darse besos cada vez que te saludas con alguien. 

En el podcast de hoy te explico paso a paso la estrategia del gran inversor Mark Minervini, campeón varias veces del US Investment Championship y que, desde luego, es una de las que más empleamos en Boring Capital.Únete al canal GRATUITO de WhatsApp: https://whatsapp.com/channel/0029VaTrH1L72WTwHEGtyr0mSígueme en instagram: ⁠https://instagram.com/arnau_invertirbolsa⁠Todo lo que hacemos en Boring Capital: ⁠https://boringcapital.net/⁠Consulta nuestras rentabilidades pasadas en Boring Capital: ⁠https://boringcapital.net/informes-rentabilidad⁠Sígueme en Twitter: ⁠https://twitter.com/ajnogues⁠Suscríbete a nuestra newsletter: ⁠https://mailchi.mp/1a1f327fc3d5/ideas-de-swing

Salmo 23:1-3

Ó mhí Dheireadh Fómhair beidh baill de Chomhar Creidmheasa Cholmcille in ann íocaíochtaí meandracha nó íocaíochtaí SEPA a dhéanamh óna gcuid cuntais. Céard atá i gceist?

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https://actualidad.esrt.press/actualidad/557151-receta-exito-sector-bovino-nicaragua Burocracia antisemita https://www.aurora-israel.co.il/recortes-en-la-administracion-de-la-seguridad-social-en-ee-uu-dificultan-los-tramites-de-los-sobrevivientes-del-holocausto/ Dandys sociatas https://efe.com/espana/2025-07-04/psoe-motivo-expulsion-obtener-sexo-cambio-dinero/ Hostelero antisemita https://www.20minutos.es/noticia/5730305/0/hostelero-vigo-expulsa-turistas-israelies-restaurante/ Corrupto suicidado https://avia-es.com/news/starovoyt-zastrelilsya-iz-za-pokazaniy-eks-glavy-kurskoy-oblasti-smirnova Scam Raid https://borneobulletin.com.bn/pakistan-police-arrest-149-including-48-chinese-in-scam-centre-raid/ Ritual de Lavado https://www.arabnews.com/node/2607652/arabia-saudita Neblina Transfronteriza https://borneobulletin.com.bn/minister-calls-for-integrated-approach-to-address-transboundary-haze/ Documento marico https://www.vanguardia.com/colombia/2025/07/02/y-ahora-quien-imprime-los-pasaportes-en-colombia-polemica-decision-de-petro/ Voxero herniado https://www.losreplicantes.com/articulos/diputado-vox-queja-trabajar-julio-interrumpe-descanso/ Heroe Anton https://avia-es.com/news/pogib-pyatiletniy-malchik-pytavshiysya-zashchitit-mat-pri-atake-drona Marco Trucho https://www.washingtonpost.com/national-security/2025/07/08/marco-rubio-ai-imposter-signal/ Mano espiritista https://reporteconfidencial.info/2025/07/09/espiritista-condenado-abuso/#:~:text=El%20Tribunal%201%C2%B0%20de%20Juicio%20del%20estado%20Nueva,de%2015%20a%C3%B1os%2C%20seg%C3%BAn%20inform%C3%B3%20el%20Ministerio%20P%C3%BAblico. Estafadores holandeses https://www.liberianobserver.com/business/w-bank-debars-corrupt-dutch-firm-genkey/article_99196c1e-7c20-4475-978b-a8ec91ac90d0.html Palille basurista https://www.diariodemallorca.es/sucesos/sucesos-mallorca/2025/07/09/condenados-encargados-recogida-basuras-esporles-explotacion-laboral-mallorca-119492292.html ZelenskyFans https://petition.president.gov.ua/petition/248984?fbclid=IwY2xjawLaCc1leHRuA2FlbQIxMQABHnuqMSaLl1iyk2TPGHSP11CUXyG0YfchOReHdbplHP6JRRHsYFSqsvuRagB2_aem_qxX01O2KT0amb5C0pzgM4Q Kartoffen rompilon https://www.abc.es/espana/baleares/detenido-turista-aleman-destrozar-escultura-valorada-300000-20250708175536-nt.html Doping turco https://actualidad.esrt.press/actualidad/557012-intentaron-doparme-grave-denuncia-club-mourinho Tony Pinneapple ( investigacion antisemita) https://www.huffingtonpost.es/politica/la-audiencia-nacional-abre-investigacion-penal-netanyahu-asalto-flotilla-gazabr-1.html Springfield exploration https://ghanaiantimes.com.gh/springfield-rejects-100m-fraud-claims-by-petraco-threatens-defamation-suit/ Boicot BuitreFestivalista https://actualidad.esrt.press/actualidad/557117-residente-cancelar-conciertos-espana Chinos Laser https://elpais.com/internacional/2025-07-08/alemania-acusa-a-china-de-apuntar-con-un-laser-a-un-avion-de-su-ejercito-sobre-el-mar-rojo.html Medidas Antipiscirrush https://www.20minutos.es/internacional/suiza-para-los-suizos-una-piscina-prohibe-entrada-extranjeros-para-preservar-un-clima-sereno-5729847/ Ministros Evacuados https://es.euronews.com/my-europe/2025/07/10/lituania-evacua-a-su-primer-ministro-tras-detectar-un-objeto-volador-desde-bielorrusia Ojala https://www.huffingtonpost.es/life/viajes/en-reino-unido-piden-olvidarse-espana-pais-nombrado-mas-familiar-europa.html Zimbauense pelotuda https://iharare.com/zimbabwean-woman-sentenced-for-using-fake-o-level-certificate-to-study-in-ukraine/ Invasion hollywodiense https://okdiario.com/look/actualidad/hollywood-invade-espana-justin-bieber-mallorca-michael-douglas-bilbao-o-jlo-pontevedra-2333676 Rifles y whiski https://www.youtube.com/live/fVDNHD5IEeQ?si=TDsQK8BjytK_vWm3&t=277 Desconexion descartada https://www.enlacejudio.com/2025/07/09/el-gobierno-espanol-asume-que-necesita-tecnologia-israeli-para-no-perder-capacidades-militares/ Bestialistas plasticos https://www.armytimes.com/news/your-army/2025/07/07/army-tests-robotic-coyotes-to-defend-fighter-jets/ Amor de Chicos https://www.japantimes.co.jp/news/2025/07/10/asia-pacific/crime-legal/china-female-erotica-crackdown/ Traba Molka https://www.dailystar.co.uk/news/world-news/crossdresser-caught-secretly-filming-sexual-35535540 Kim Denunciado https://www.infobae.com/america/mundo/2025/07/11/una-desertora-norcoreana-demando-al-dictador-kim-jong-un-por-tortura-y-violencia-sexual-ante-un-tribunal-de-corea-del-sur/ Cagon la leche Merche https://www.losreplicantes.com/articulos/audiencia-nacional-condena-imanol-arias-prision-absuelve-ana-duato/ PeloJeffrey https://actualidad.rt.com/actualidad/552669-biografo-trump-apuntala-acusaciones-musk-epstein Ojos BUcks https://www.telemundo62.com/noticias/local/christopher-oneill-bucks-county-acusado-crear-imagenes-pornografia-infantil-ia-robar-ropa-interior-pensilvania/2508098/ Pintadas Namcys (tienen que ir a Finlandia a aprender caligrafia) https://www.madridiario.es/delegado-gobierno-denuncia-pintadas-racistas-centro-migrantes-alcala Fondos Congelados https://es.euronews.com/my-europe/2025/07/08/la-ue-congela-18000-millones-para-hungria-tras-la-falta-de-avances-en-su-estado-de-derecho Mano Dura https://www.elconfidencial.com/mundo/2025-07-09/represion-disidencia-ley-seguridad-1hms_4168490/ NAFO Sanxe https://www.huffingtonpost.es/politica/espana-incrementara-11-presencia-militar-otan-llegara-14000-soldados-2035.html Operación Refugio Seguro https://www.premiumtimesng.com/news/headlines/806233-how-bandits-ambushed-killed-eight-vigilantes-in-plateau-official.html Clifford Chance https://www.publico.es/sociedad/m-ambiente/iberdrola-pide-supremo-anule-investigacion-gobierno-sobre-apagon.html Sinagoga nordica https://www.aurora-israel.co.il/una-sinagoga-centenaria-en-el-norte-de-noruega-se-prepara-para-celebrar-un-siglo-de-resiliencia-fe-y-adaptacion/ Katy divorciada https://elpais.com/gente/2025-07-04/katy-perry-y-orlando-bloom-confirman-su-ruptura-su-prioridad-comun-es-y-siempre-sera-criar-a-su-hija.html Fiesta Atlantista https://www.elmundo.es/internacional/2025/07/09/686e9c9521efa01e198b456e.html Brigitomanas Absueltas https://www.leparisien.fr/faits-divers/rumeurs-transphobes-sur-brigitte-macron-deux-femmes-qui-avaient-propage-lintox-relaxees-en-appel-10-07-2025-WFUHMGTQXVA57BDOPDYGPXTZUI.php El Buba https://avia-es.com/news/chlen-bandy-capka-andrey-bykov-pogib-v-zone-svo

Muchos más recursos para tu vida de fe (Santo Rosario, Oración, etc.) en nuestra web https://sercreyente.com________________Miércoles, 18 de junio de 2025 (11ª Semana del Tiempo Ordinario)Evangelio del día y reflexión... ¡Deja que la Palabra del Señor transforme tu vida! Texto íntegro del Evangelio y de la Reflexión en https://sercreyente.com/que-no-sepa-tu-mano-izquierda-lo-que-hace-tu-derecha/[Mateo 6, 1-6.16-18] En aquel tiempo, dijo Jesús a sus discípulos: «Cuidad de no practicar vuestra justicia delante de los hombres para ser vistos por ellos; de lo contrario no tenéis recompensa de vuestro Padre celestial. Por tanto, cuando hagas limosna, no mandes tocar la trompeta ante ti, como hacen los hipócritas en las sinagogas y por las calles para ser honrados por la gente; en verdad os digo que ya han recibido su recompensa. Tú, en cambio, cuando hagas limosna, que no sepa tu mano izquierda lo que hace tu derecha; así tu limosna quedará en secreto y tu Padre, que ve en lo secreto, te recompensará. Cuando oréis, no seáis como los hipócritas, a quienes les gusta orar de pie en las sinagogas y en las esquinas de las plazas, para que los vean los hombres. En verdad os digo que ya han recibido su recompensa. Tú, en cambio, cuando ores, entra en tu cuarto, cierra la puerta y ora a tu Padre, que está en lo secreto, y tu Padre, que ve en lo secreto, te lo recompensará. Cuando ayunéis, no pongáis cara triste, como los hipócritas que desfiguran sus rostros para hacer ver a los hombres que ayunan. En verdad os digo que ya han recibido su paga. Tú, en cambio, cuando ayunes, perfúmate la cabeza y lávate la cara, para que tu ayuno lo note, no los hombres, sino tu Padre, que está en lo escondido; y tu Padre, que ve en lo escondido, te recompensará».________________Descárgate la app de SerCreyente en https://sercreyente.com/app/¿Conoces nuestra Oración Online? Más información en: https://sercreyente.com/oracion¿Quieres recibir cada día el Evangelio en tu whatsapp? Alta en: www.sercreyente.com/whatsappTambién puedes hacer tu donativo en https://sercreyente.com/ayudanos/Contacto: info@sercreyente.com

No eres un agente secreto. Y si lo pareces, no te quejes porque el teléfono no suena. Tu marca personal no es para ganar likes, ni para que tu mamá te comparta en Facebook.vEs para que el mercado sepa que tú EXISTES, que tienes una solución, y que eres relevante. Este episodio es un golpe directo al ego y a la pereza digital. Porque si nadie te encuentra, nadie te contrata. Y si no estás trabajando tu visibilidad, estás jugando al escondite… y el mercado no tiene tiempo para buscarte.

Recorded live at the Treasury 360° Nordic conference in Stockholm, Eleanor Hill (TMI) hosts Netta Christensen, Carlo Macri (A.P. Moller - Maersk), and Truls Gustafsson (BNP Paribas) in an audible case study exploring how Maersk managed multiple European geographies through a single Euro account. Discover how SEPA and virtual accounts enable treasury centralisation without sacrificing local agility, optimise liquidity, reduce complexity, and enhance pan-European financial control - offering key insights for scaling treasury operations across Europe.

Hoy queremos compartirles algo que nos emociona muchísimo: el primer episodio de Sepa La Madre, el nuevo podcast de comedia y maternidad de nuestra productora, Dudas Media.Desde hace tiempo soñábamos con crear un espacio para todas esas mamás reales, imperfectas, chistosas y vulnerables que nos rodean… y por fin existe.Sepa La Madre está conducido por Pris y Alex, dos mujeres increíbles que decidieron contar la maternidad tal como es: sin guiones, sin filtros y con mucho humor. Y para arrancar, se van directo al momento que lo cambió todo: el parto.Spoiler: no fue como lo imaginaban.Entre contracciones, culos adoloridos, anestesiólogos que ligan en plena sala de parto y muchas risas nerviosas, comparten sus historias con la misma honestidad en la que siempre hemos creído.Para que te rías, te sientas acompañada y recuerdes que nadie nace sabiendo ser mamá.Ponte cómoda, mamacita, porque aquí vinimos a parir historias reales, reírnos del caos y abrazar la montaña rusa que es la maternidad… sin cinturón de seguridad.

Descubre Sepa la Madre, el nuevo podcast sobre maternidad real de Dudas Media.Ya puedes escucharlo en plataformas de audio y también verlo en video en YouTube.En este episodio, platicamos con Priscila Faz y Alex Ivanisevic, las hosts de Sepa la Madre, un podcast hecho por mamás reales para mamás reales. Juntas abrimos la conversación sobre TODO lo que no se dice de ser mamá: el posparto, las emociones confusas, la culpa y el duelo. El multitasking extremo, cómo cambia la relación de pareja y el poder de una red de apoyo.También hablamos sobre lo hermoso de la maternidad: cómo los hijos despiertan creatividad, cómo evolucionan los sueños y cómo, aunque el caos es real, también lo es el amor.Sepa la Madre no es un podcast con recetas ni reglas, es un espacio honesto, sin juicios, donde caben la risa, el cansancio, las dudas y el corazón. Si estás buscando un podcast sobre crianza honesta, historias reales de maternidad y acompañamiento emocional, este es tu lugar. ¡Estuvimos trabajando en este proyecto muchos años! Nos hace muy felices que ya puedas escucharlo. ¿Eres mamá, futura mamá o simplemente te encantan el chisme con mujeres increíbles? ¡Este episodio es para ti!Mándanos tu audio para salir en un episodio de Sepa la Madre aquí https://sepalamadre.com/ Encuentra a Sepa la Madre en todas las redes sociales como @sepalamadrepodcast https://www.instagram.com/sepalamadrepodcast/ Hosted on Acast. See acast.com/privacy for more information.

A decade ago, Zach Borton had a lightbulb moment when studying energy economics at Ohio State University: the grid was trending toward decentralization. That realization set him on a path that would eventually lead him to Colorado, where he now serves as DER services manager at Platte River Power Authority.Platte River's 2024 integrated resource plan includes an ambitious goal: 30 megawatts of virtual power plant capacity by 2030. But building a VPP across multiple utility territories isn't just about technology -- it's about coordination, customer engagement, and breaking down organizational silos.This week on With Great Power, Zach explains the technical architecture behind Platte River's VPP strategy, which relies on two interconnected systems: grid derms and edge derms. He also discusses the challenges of aligning five different organizations, the importance of seamless customer enrollment, and why he believes curiosity-driven leadership is his superpower in the energy transition.With Great Power is a co-production of GridX and Latitude Studios.  Subscribe on Apple, Spotify, or anywhere you get podcasts. For more reporting on the companies featured in this podcast, subscribe to Latitude Media's newsletter.Credits: Hosted by Brad Langley. Produced by Erin Hardick and Mary Catherine O'Connor. Edited by Anne Bailey. Original music and engineering by Sean Marquand. Stephen Lacey is executive editor. The Grid X production team includes Jenni Barber, Samantha McCabe, and Brad Langley.TRANSCRIPT:Brad Langley: Back in the early 2010s, apps skyrocketed in popularity. Apple had just launched its famous "There's an app for that" commercial, and within a few years, more than a million apps were available for download in the app store.Commercial clips: Ever wish you could really read people's emotions? Well, now there's an app for that. Don't have a great voice or any real musical talent? Well, there's an app for that too. You want to get the potholes filled? Well, there's an app for that. There's an app for that...Brad Langley: Zach Borton's family was right there with the rest of America, feverishly downloading apps to manage finances or track the weather or achieve personal fitness goals.Zach Borton: Fitbits were becoming popular and my mom and dad would all compete against different steps, and we wanted to bring that kind of competitive element to the energy space.Brad Langley: At the time, Zach was studying business and sustainability at The Ohio State University.Zach Borton: Most of my classmates were going down the road of corporate social responsibility, sustainability reporting, but I took an energy economics course and that kind of shifted my path.Brad Langley: As part of that course, Zach was presented with some graphics of the power system. One showed the traditional energy value chain with big centralized generation. Another showed the declining cost of rooftop solar and an upward trend for installations.Zach Borton: I realized at that moment we're going from this horse and buggy to car event. Every few generations will have that shift, and I wanted to be a part of that shift.Brad Langley: After graduation, Zach and two friends decided to launch their own energy-focused app, the idea was to show people the impact of their environmentally focused investments.Zach Borton: What we were trying to build is a visualization tool to track environmental metrics such as carbon saved or trees planted, and also kind of that competitive nature of seeing what your friends were investing, what types of projects they were investing in, and then competing with your friends or tracking that with your friends to drive that competitiveness.Brad Langley: Unfortunately, for Zach and his friends, their app didn't make millions, but it did motivate Zach to keep working on some of the big complex problems unfolding in the power sector. So he took a job at American Municipal Power in Columbus, Ohio.Zach Borton: I was a power supply engineer. There was learning kind of the nuts and bolts on how to serve a community with generation, really how to stack those assets for energy, capacity, and transmission. But really despite everything I was learning, I kept going back to those two graphics from that energy economics course.Brad Langley: He just couldn't get one question out of his head. How would the legacy power system interact with all these new DERs? And he wasn't the only one thinking about it.Zach Borton: There was utility of the future white paper coming out of MIT, and so we were really going through that and understanding rather than a centralized approach from these large generators, how can we hedge against energy, capacity, and transmission from within the load?Brad Langley: Once Zach locked into this problem, he just couldn't let it go. So he headed west to Colorado where he now works at a public power utility helping build a virtual power plant.Zach Borton: My job is to take distributed energy resources and make use of them as we transition to a non-carbon grid.Brad Langley: This is With Great Power, a show about the people building the future grid, today. I'm Brad Langley. Some people say utilities are slow to change, that they don't innovate fast enough, and while it might not always seem like the most cutting edge industry, there are lots of really smart people working really hard to make the grid cleaner, more reliable and customer centric. This week I'm talking to Zach Borton, the DER service manager at Platte River Power Authority, a public power utility that serves the communities of Estes Park, Fort Collins, Longmont, and Loveland in Colorado. Platte River provides wholesale electricity generation and transmission for its member communities, each of which has its own local electric utility. So a major part of Zach's job is figuring out how to build a VPP across all of those different utilities.Zach Borton: So each have their own technology suite, which makes integrations maybe a little bit more difficult. So we're all at different paths in this integration and technology suite, but getting there is going to require more collaboration and breaking down those silos.Brad Langley: I wanted to dive into the mechanics of building this kind of VPP, but first I asked Zach how the initiative came about and how Platte River planned to break down those utility silos. So let's dig into your work at Platte River. Platte River's 2024 Integrated resource plan includes 32 megawatts of VPP by 2030, which is a significant amount. Tell us about that project. How did the initiative come about?Zach Borton: Yeah, so it can all kind of go back to the 2018 resource diversification policy. In that policy, there's a few things that line out how we can get to a non-carbon future, but it really suggests better integration and coordination across the systems from the generation transmission system down to the distribution. So senior managers, utility directors, and a few different public engagement sessions really sparked this vision and guiding principles for a DER strategy. Next came kind of a gap analysis, so we tried to understand what systems we have today and what we need, and so this really showed us where we need to go with how to make this technology work. Finally, we got to that potential study, which you saw in the 2024 IRP. This showed us kind of the market size and the potential and really gives us a goal to hit. It tells us what types of programs we should run and where we should head into that 2030 mark that you said, 30 megawatts.Brad Langley: And what is your role as DER services manager on the project? What are you specifically tasked with?Zach Borton: It's really trying to coordinate and develop these programs with our owner communities. We can think about our strategy in two different approaches. It's really that best thinking available today, which you can see in the SEPA article Decoding DERMS. It's going to require two different systems, and that's the grid DERMS and the edge DERMS. But really I want to circle back to VPP isn't just a piece of software, it's a utility strategy. It's a system level approach that brings together people, technology and data to orchestrate this cleaner and more flexible grid.Brad Langley: So we've established there's two main components to this. There's the grid DERMS and there's the edge DERMS. Talk me through specifically what the grid DERMS is doing as well as what the edge DERMS is doing.Zach Borton: Absolutely, yeah. So we can think about the grid DERMS as the brain of the future utility operation. It's going to hold our network model. It's going to monitor the state of the distribution in real time, say watching for those stress points and identifying where flexibility could be made available. Some of this technology is in place today, but a lot of this needs to be developed over the next several years, whereas the edge DERMS manages the customer side. It's going to help us enroll devices into the programs, optimize them, and then deliver those optimized energy shapes, load shapes or blocks into the grid DERMS as kind of like, here's a block at this hour. Here's the shape that you can use here for this stress point, and together these two systems kind of coordinate those individual devices into actionable blocks.Brad Langley: Can you go into more detail in terms of what those components are? I assume it's a mix of hardware and software, but any specific technologies you're able to call out.Zach Borton: When we think about our owner communities, they're kind of laying the foundation for the grid DERMS for that distribution system awareness, whether that's smart metering, switching, things like that. We need to build out that process with our owner communities to bring in those data points and make that distribution grid a little bit more intelligent. We can think about the future of advanced distribution management. When we think about the edge DERMS, there's a lot of processes and people involvement: enrolling customers and engaging with those customers. Obviously there's a lot of software optimization on the backend, but that's where we lean on our partners.Brad Langley: So two distinct yet connected systems for owner communities. What kind of challenges are you either experiencing or do you foresee in making this program a reality?Zach Borton: There's quite a bit of challenges. I'd say one of our biggest challenges is aligning across the five organizations. It's sometimes hard enough to break down the department silos, but then breaking down the five organization department silos is really complicated. So everyone might agree on this goal of a functional customer friendly VPP, but getting there in sync is the hard part, which kind of brings us to the next challenge, which is a unified vision and consistency. Like I said, we have incredibly talented people working on this from all sides, but aligning on a common path with consistency is critical. We may ask, why is that so important? Well, we risk confusing the customer if we're changing things as we go or sending mixed messages. So we need to really build that trust and participation with our customers and our own communities. That brings us kind of to the third point, which is the customer patience and experience.We're building something new and with that comes unavoidable, really growing pains. So making the enrollment and engagement process as smooth as possible in that first year is going to be so important for us to scale to that 2030, 30-megawatt goal. And that's the last piece is that OEM maturity and industry coordination. Like OEMs are learning how to build and design for flexibility, but it's a learning curve and everyone's taken their unique approach. Whereas the utilities, I can call up a utility that has a similar goal to us and they'll share the lessons learned where I feel like some of the OEMs aren't sharing those lessons learned with each other.Brad Langley: It's an interesting point. We're big believers in partnerships in this space. I think partnerships are super important. Are you encouraging the OEMs to talk to each other? Because it's tricky, they might be competitive, but they're implementing similar programs, so lessons shared can be important. How do you navigate that? Are you finding openness for OEMs to be more collaborative or is it kind of a walled garden so to speak?Zach Borton: It seems like a walled garden, but I would like for all of us utilities to try to break that down and share like, Hey, we're trying to get to this non-carbon future and open up all of these opportunities for flexibility. And so I think if a lot of us will say that to the OEMs, maybe they'll start listening. So I think if we can band together and really get the OEMs to listen, we can get to this non-carbon flexibility future.Brad Langley: You mentioned you'll start enrolling customers early next year. Does that mean the project is complete? What are some of those stages or milestones that kind of happen before or after that? Maybe give us the one to two year look into the various stages of the program following customer enrollment?Zach Borton: Yeah, so I mentioned the two types of DERMS and there's kind of different working paths for each of those, but I'll kind of talk about the edge DERMS really enrolling customers there early next year. So I think we're breaking this strategy out into three different years. First year we really want to boost up the enrollment and awareness of these programs. So enrolling customers, boosting up satisfaction and increasing that program awareness. It's going to take many actions to get there, like streamlining that DER onboarding process and establishing incentive structures and engagement methods with our customer base. That's going to be critical for scaling the VPP all testing in that first year dispatches with a small number of megawatts and devices. In that next year, we're really going to be looking for analytics and post-event insight, so leveraging event data to better understand how we're forecasting and modeling DR.So we're going to lay out the infrastructure needed to capture dispatch data and analyze that across the systems, whether it's on the distribution or the generation transmission system. And then that third year is going to be building out scale. To get to that 2030 goal in the third year, we're really going to be trying to grow those legs and pick up our speed, and it's all going to be about scalability of the dispatch and optimization. I think this is where the edge DERMS becomes integrated with the grid DERMS. So as the grid DERMS is getting intelligent and connecting to all of those devices in the field, we'll build out that integration to kind of build this full VPP fully integrated using those historical insights. And really in that year, we start to see the real time grid data and the integrations.Brad Langley: How did the customers react to the VPP announcement? Are they excited about the prospect of integrating this type of technology? What was their overall sentiment towards the program when it was announced?Zach Borton: Yeah, absolutely. There's a lot of excitement around this. When we think about our customer base, they love technology. We have a lot of EVs in our service territory. We have a lot of solar. We're starting to see that solar being paired with storage. So I think there's a lot of interest in helping us get to that non-carbon goal. And it's really the foundation we've built over the past 50 years, our community ownership, our collaborative mindset, and a long-term vision. We're not just building it alone, we're building it with our members, our partners, and every customer who chooses to be part of the solution. And it's really great to see a lot of those customers show up to the stakeholder meetings and suggest really great ideas to get to this VPP.Brad Langley: How many customers are you initially targeting and what's the scale of that look like over time?Zach Borton: Yeah, so the first few years, our big focus is on seamless integration, enrollment and engagement with those customers. We're going to most likely start within three different program groups, so EVs, batteries and thermostats and expand offerings from there. We hope to have roughly one megawatt in that first year, but again, I want to focus mostly on building out the seamless enrollment process and engagement. We can't build that 30 megawatts by 2030 without the customers and the devices, so having that poor engagement or poor enrollment process isn't going to help us scale. So we really need to build out the processes we have and kind of scale up to that 30 megawatt number by 2030.Brad Langley: Well, hey, we call this show With Great Power, which is a nod to the energy industry. It's also a famous Spider-Man quote. With great power comes great responsibility. So Zach, what superpower do you bring to the energy transition?Zach Borton: That's a really great question. I would say that curiosity-driven leadership. I'm highly adaptable and I have this ability to connect with all types of people, meet them where they're at, and build that real trust through kind of empathy, curiosity. I find common ground and help bring out the best in others, whether it's a technical person, strategic customer focus, I know how to relate and inspire those folks and share a sense of purpose. The ability to connect with folks is key when bringing together a diverse team with the single vision that we have.Brad Langley: And I'd add a great sense of fashion. I know our listeners can't see it, but I love the VPP hat you're rocking. It's right on point. So nicely done with that. Well, Zach, thank you so much for coming on the show and we wish you the best of luck with the program.Zach Borton: Yeah, thank you. I appreciate you having me, Brad.Brad Langley: Zach Borton is the DER service manager at Platte River Power Authority. With Great Power is produced by GridX in partnership with Latitude Studios. Delivering on our clean energy future is complex. GridX exists to simplify the journey. GridX is the enterprise rate platform that modern utilities rely on to usher in our clean energy future. We design and implement emerging rate structures and we increase consumer investment in clean energy all while managing the complex billing needs of a distributed grid. Our production team includes Erin Hardick and Mary Catherine O'Connor. Anne Bailey is our senior editor. Steven Lacey is our executive editor. Sean Marquand composed the original theme song and mixed the show. The GridX production team includes Jenni Barber, Samantha McCabe, and me, Brad Langley.If this show is providing value for you and we really hope it is, we'd love it if you could help us spread the word. You can rate or review us on Apple and Spotify, or you can share a link with a friend, colleague, or the energy nerd in your life. As always, we thank you for listening. I'm Brad Langley.

Scottish farmers are being warned to prepare for a possible summer drought. SEPA, the Scottish Environment Protection Agency has issued a water scarcity alert as 17 river catchments are so low. In England the Environment Agency says two thirds of rivers are below normal or lower for the time of year. This week we're digging into the world of potato production - none of which would be possible, of course, without healthy, disease-free seed to get the crop started. Growing seed potatoes is a high-value, tightly regulated, specialist sector, and in the UK it's largely concentrated in Scotland where the disease risks are lower thanks to a cooler climate. Europe was a key market for Scottish seed, but Brexit changed all that. The EU's plant protection rules mean the trade is no longer allowed. However growers haven't given up on resuming exports and efforts continue. The asparagus season is underway, traditionally, the spears of this tender crop are only picked from 23rd April, St George's Day, to 21st June, the longest day of the year. It's crucial for growers to have their best produce ready at the right time. Not only that, getting it to market and making sure it's quality is perfect can pay real dividends when supplying top end restaurants and catering. We join one grower who welcomed the whole supply chain to his farm to see how the asparagus they buy from him, is grown.Presenter = Charlotte Smith Producer = Rebecca Rooney