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    Fintech, 10 hardest jobs to fill in cover

    Fintech (technology applied in the financial sector) is a rapidly expanding market since at least a decade and was among the engine of british economic growth, and of London in particular, since 2009, like remembered recently  Chancellor Philip Hammond, Philip Hammond, since it is “adding more than £6.6 billion into the UK’s economy and attracting more than £500 million of investment” every year.

    Fintech, a disruptive revolution

    With such a high number, Fintech is a “disruptive” revolution which whilst is worrying thousand of workers in the financial sector all over the western world, including Italy where since 2009 over 27 thousand jobes were lost and more thousands will be cut this year and in the next, on the other hand is a market which has severly need of new engineers.

    Il rischio Brexit incombe

    According to UK Business Insider, which mentiones statistics by Indeed.com, one of the world biggest recruitment websites, there are 10 jobs that which have from 30% to 20% vacancies going unfilled after 60 days from pubblication and the oultook could get even worst (for companies) when Brexit will start, since British high-tech companies trying to attract the best people from around the world and it won’t be easy if new populist regulations will be adopted to restrict access of foreign workers. Fintech 10 hardest jobs to fill

    10 hardest jobs to fill in

    Below you can find the ten hardest jobs to fill in at the moment in the Fintech sector in UK, where you can earn a big salary, according to Indeed.com statistics (in brakes the vacancy rate 60 days after the pubblication of job offers).

    1. mechanical & engineering project manager (30,8%)
    2. digital project manager (28,3%)
    3. architectural technician (27%)
    4. pricing analyst (26%)
    5. sharepoint developer (25,4%)
    6. financial analyst (25,1%)
    7. financial reporting manager (24,6%)
    8. senior associate (24,5%)
    9. sofware engineer (23%)
    10. developer (21,8%)
    A valuable working experience

    Preconditions for all the positions above is of course fluency in English and a good prior experience in the role, which not always a young Italian worker has. My personal advice is, if you will be able, to go anyway to have a working experience abroad, if just ot understand how is absurd for you to  waste your time and talent waiting for working calls that don’t come.

    Are you ready for Fintech?

    After a few months or years you’ll be able to be back in Italy, since Fintech is rapidly growing even there, especially among startups, even if not with the UK numbers at the moment. But what do you think about? Please leave a comment and if you like share this article, you will help us to cover always better the items you prefer!

    Then if you wanna keep up with virtual reality, augmented reality and geek technologies news and giveaways, continue to follow Mondivirtuali.it, even through our account on Twitter and our fanpage on Facebook (but remember: Mondivirtuali is also on Flickr, on Pinterest, on Scoop.it, on Paper.li and also on Youtube).

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    virtual reality flop cover

    Let’s be frank: virtual reality disapponted in 2016, sellig less than estimates. The proof of this comes from Valve, company that is betting on virtual reality growth but whose co-founder and president, Gabe Newell, recently revealed that only 30 virtual reality apps were able in 2016 to sell over 250 thousand dollars.

    Gabe Newell is optimistic on virtual reality

    Gabe Newell - SteamNevertheless Newell is still positive about virtual reality outlook, since there are already over a thousand VR game titles on Stream online platform.

    To be true, some of the first indie titles, like Owlchemy Labs‘ “Job Simulator (2016)”, are selling very well (since April 2016, when it was launched, the game had sales for over 3 million dollars).

    The secret: develop users communities

    Job Simulator 2016The success of “Jobs Simulator (2016)” sounds like due to Owlchemy Labs’ decision to create video content shared on Youtube with already over 250 million views, wihch have made the game the most popular among those that support the main virtual reality headsets (developed for Htc Vive the game has then seen Sony Playstation VR and Oculus Rift releases).

    Novelty is not enough to sell

    This is a bad news for those developers who bet just on virtual reality “novelty” effect to secure the commercial success of their own titles, since Steam certainly is the most popular platform for pc virtual reality games (with Htc Vive headset) but even for Oculus Rift or Osvr games.

    What do you think about?

    So, what do you think: are you positive like Newell about virtual reality outlook in the next future or do you begin to think it can be a flop? Please, leave a comment and if you like share this article, you will help us to cover always better the items you prefer!

    Then if you wanna keep up with virtual reality, augmented reality and geek technologies news and giveaways, continue to follow Mondivirtuali.it, even through our account on Twitter and our fanpage on Facebook (but remember: Mondivirtuali is also on Flickr, on Pinterest, on Scoop.it, on Paper.li and also on Youtube).

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      virtual reality china cover

      China wants to get in the lead early in the booming market of virtual reality and internet of things, so it doesn’t surprise that close to video games and technological gadgets are virtual reality and devices that allow to always be connected in the house and outside to capture the imagination at Computex Taipei, the greatest fair devoted to computers, hardware and technologies of Asia, in progress in Taiwan.

      Virtual reality and tech gadgets on display

      virtual reality ComputexWhile the main companies of the world show their new products, great space is given to entertainment and immersive virtual with viewers, helmets and controllers clearer and more precise close to new tablets thought for the job and apps to guard the safety at construction sites or to facilitate some phases of works.

      Such a frenzy is comprehensible: China alone should see the market of the virtual reality growing up from 1.5 billion yuans (about 230 million dollars) in 2015 to 55 billion yuans (8.4 billion dollars) by 2020 and this is why the three main Chinese web giants, Baidu, Alibaba and Tencent, strong of a general clients base of over 688 million users only at home, are backing a lot of startups, at least 200 of which are involved in the sector of the virtual reality.

      The Chinese way to the virtual reality

      More than aim, as Sony, Facebook or HTC, on the development of devices, Chinese groups seem to want to specialize on content creation and sharing platforms. The most promising segment to the moment appears to be that of video online, since about 504 million Chinese people regularly connect to streaming sites, but immersive videos and apps for videogames (in China last year have been 391 million online players) seem to be able to be the first virtual reality sector to reach full maturity.

      Meantime at least 40% of about 6.3 million virtual reality viewers which are estimated to be shipped this year, will go to China, as reported Bloomberg, pointing out as has not emerged with clarity yet a virtual reality sector leader, so that local providers, video games publishers and service providers are trying to address the development of virtual reality over the production of hardware devices.

      Alibaba invests in Magic Leap

      realtà virtuale ologramma Michael JacksonIt’s not that hardware expenditures missing: Alibaba in february invested in Magic Leap which is trying to develop a viewer able to superimpose digital images to real environments with which such images can interact. In a e-mail marketing director of the Chinese market place, Chris Tung, said to be convinced that virtual reality and augmented reality will be the “next big thing” after computers and smartphones.

      Tencent in turn, through Original Force, is backing the development of mputer generated contents, on virtual reality movies and contents for Oculus Rift viewer. if all of that was not enough, it has also backed and acts as Chinese partner for Pulse Evolution, Us company wich has created Michael Jackson’s and the rapper Tupac Shakur’s holograms to use for events and musical shows.

      Indeed there are so much interest and so many capitals to make to grow new ideas and startups interested in exploring the possibilities offered by the virtual reality and not only. If you’d like to know how this will end, continue to follow Mondivirtuali.it, even through our account on Twitter and our fanpage on Facebook (but remember: Mondivirtuali is also on Flickr, on Pinterest, on Scoop.it e su Paper.li and also on Youtube).

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        Homebyme Cardboard cover

        HomebymeSlowly but surely virtual reality (VR) is getting increasingly a whole technologies of almost daily use even in the workplace: the proof is given by the announcement of Dassault Systèmes, French group world leader in 3D solutions and product lifecycle management of which Mondivirtuali.it has spoken already, of launching of updated release of Homebyme, immersive 3D experience developed to immagine and furnish home, entirely browser based.


        Homebyme exploits the applications of 3DVIA in order to offer users and immersive interactive virtual reality experience thanks to new in cloud services that allow to realize interior design, to visualize the refurbished home in a extremely realistic 3D environment and to enter into contracts with firms and professionals from the sector.

        Homebyme Living RoomUsers can indeed isualize furniture, floors, walls, furniture design project directly online in a virtual environment, before to decide which products to buy and what kind of restructuring to start. Furnitures may be selected based on brand, types color and/or fabric, whereas the rooms can be displayed under different lighting conditions or with different backgrounds.


        Thanks to in cloud on-demand services such as an high definition rendering and virtual reality experience through low cost viewers as Google Cardboard, Homebyme allows to face-lift, virtually, to your home in a few minutes. If you are curious about the development of VR solutions and wanna keep up to date about the latest geek technologies that lean out on the market, continue to follow Mondivirtuali.it, even through our account on Twitter and our fanpage on Facebook (but remember: Mondivirtuali is also on Flickr, on Pinterest, on Scoop.it e su Paper.li and also on Youtube).

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          Bmw Htc Vive VR the virtual reality cover

          In the wake of “dieselgate” scandal, the news crews out without too much noise, yet it is one of those sufficiently clear to let understand the areas that open up to professional use of the virtual reality (VR) devices. Bmw at the beginning of April announced that it will use Htc Vive VR headsets and a “mixed reality” system in the development of new vehicle models.

          Bmw: with Htc Vive VR greater flexibility, lower costs

          Bmw Htc Vive VR the virtual realityIn practice the engineers of the German group will work with with computerized models and not with mock ups so to gain greater flexibility, faster results and lower costs of development..

          Bmw will be the first car manufacturer to introduce a “mixed reality” into its vehicle development, gaining “some significant advantages over the VR systems that have existed to date, and is the first step towards (the goal of) making virtual reality a very real part” of the work untill now done through developer workstations “in the not-too-distant future”.

          Bmw has been employing VR systems in the development process since the 1990s, now since this Spring “components from the computer games industry have been allowing engineers and designers to immerse themselves more and more often in virtual worlds that are increasingly realistic”. The shorter innovation cycles of consumer electronics result in a “far wider scope of functions together with lower costs” enabling thus “more vehicle functions to be translated to a VR model in ever more realistic fashion” and to “scale the system to many different developer workstations with little effort”.

          VR models for the future Bmws

          Bmw Htc Vive VR the virtual realitySeveral HTC Vive developer kits have already been in use by Bmw engineers since Autumn 2015. The headset’s core components consist of two high-resolution screens and a laser-based tracking system that covers an area of 5 x 5 metres in the Bmw application.

          The graphics are computed by software that normally serves to produce the very best computer gaming graphics (specifically Bmw si uses Epic Games Unreal Engine 4) with a stable rendering of 90 frames per second while achieving photo-realistic quality. The hardware is that of high-end gaming computers with water-cooled, overclocked components (including Intel Core i7 cpu and two Nvidia Titan X graphic cards).

          Since visual sensations alone are not enough , in additino to Htc Vive VR headsets Bmw employs a reusable interior assembly which, thanks to the use of rapid prototyping, further enhances perception by producing a “mixed reality” experience and enables to experience the vehicle in different environments thanks to precise, stereoscopic acoustic playback.

          Finally, HTC Vive Lighthouse tracking system scans in a few milliseconds the room with an invisible light field that is tracked by sensors on the VR headset and the controllers, enabling ultra-precise tracking of every body movement and even the slightest alteration in the viewing direction.

          If this fascinates you and you want to know what further industrial uses are getting ready for the virtual reality devices, continue to follow Mondivirtuali.it, even through our account on Twitter and our fanpage on Facebook (but remember: Mondivirtuali is also on Flickr, on Pinterest, on Scoop.it e su Paper.li and also on Youtube).

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            Vivendi Gameloft Ubisoft cover

            GameloftThe battle for Gameloft (and for Ubisoft) turns on: the French mobile videogame producer announced Monday February 29 that it refuses, judging too low, the offer of 6 euros per share made by Vivendi, French company controlled by Breton businessman Vincent Bollore which at the beginning of 2016 has definitely left the capital of Activision Blizzard givinga way to a financial investor its residual 5.7% for one billion dollars.

            Immediate reply from Vivendi, which already controls 30% of Gameloft and therefore was obliged to launch a takeover bid, that after a few hours officially raised its offer to 7.2 euros per share, for an overall assessment of the group of about 610 million euro. Gameloft board of directors also noted that Vivendi “does not have a single business that could offer Gameloft synergiesalso criticizing the fact that Vivendi has simultaneously increased its stake in sister company Ubisoft from 14,9% to 15,66%. Both companies were founded and still are controlled by brothers Michel and Yves Guillemot (shareholders with 9,3% participation in Ubisoft and 20,29% participation in Gameloft), determined to remain independent, but the double Bollore’s move leads to the belief that the French financier wants to detect both companies, with Ubisoft which however may be the consolatin priceshould the assault on Gameloft fails.

            Vincente BolloreMoreover the tactic used is typical of Bollore (sharoholde among the other of Italian merchant bank Mediobanca with a share of 8%): start buying a minority stake and then increase it to above the level that makes it mandatory to launch a public tender offer ethereby acquire control of prey, but always leaving open the possibility of anarmisticeagreement providing for the acquisition of some activities linked to thepreyor its shareholders

            Among the companies that Vivendi, the group that controls how multimedia company Universal Music Group and Canal Plus and which has a more than a 20% stake in Telecom Italia (which controls Tim Brasil, for many the real target of Bollore), there is also still no manufacturer of video games for mobile devices and Gameloft with its 147 million of monthly active players (19 million daily active players), a distribution network covering over 100 countries, titles such as Minion Rush, Asphalt Airborne 8, One & Friends, Little Pony and World at Arms, could be the ideal prey, even because Bollore is the controlling shareholder, at 60%, also of Havas, one of the largest communication and advertising agencies in the world.

            Ubisoft assassin creedUbisoft, by the way, remains the third largest producer of video games in the world behind Electronic Arts and Activison Blizzard and it has by its side titles like Prince of Persia, Assassin’s Creed (which is due out in December, a film produced and distributed by 20th Century Fox with Michael Fassbender as Callum Lynch) and Watch Dogs, in addition to producing television series such as the Rabbids and to have entered into partnerships with major Hollywood studio like Sony Pictures, Warner or Fox itself. Ubisoft could therefore bring valuable content to be distributed later on the various channels, from cinema to television, from the gaming world to the web.

            To look at the evolution of the game for Ubisoft and of Gameloft are also the current top management of Telecom Italia: with purchases in recent weeks Vivendi is in fact increased to 22,79% the capital of the former Italian state monopoly, on whose Board of Directors entered, with four representatives in the board, after the shareholders meeting held in December. If you want to know how it will end, continue to follow Mondivirtuali.it, even through our account on Twitter and our fanpage on Facebook (but remember: Mondivirtuali is also on Flickr, on Pinterest, on Scoop.it e su Paper.li and also on Youtube).

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              Half Life 3 cover

              half life 3Whether it is more common to find on the web news related to killer asteroids en route to Earth or confirmations of the next release of Half Life 3 it is hard to say, but both meme are so frequent since so far unreliable. If the last killer asteroid which is discussed on the web is 1862Apollo, a space stone with a diameter of 1.7 kilometers that regularly crosses Earth’s orbit as refer our friends of Fanwave, in the case of Half Life 3 this time it would have taken an indirectconfirmation thanks to the discovery of a text file placed in Dota 2 called, “curiously” hl3.txt.

              To announce it was first Stream Database which on Twitter explained that “Valve just accidentally pushed a file named hl3.txt to Dota 2 Reborn that seems to be pretty damn interestingadding that “these files strongly hint at an RPG with quests and procedural spawning. Also includes ziplines, because why not. Crowbar ziplines anyone?”. HL3

              If you don’t know Half Life is a franchisee developed by Valve (videogames producer he had also hired the former minister greek economy Yanis Varoufakis like consultant) whose first chapter was launched on 16 November 1998 and the second on Nov. 16, 2004. The first chapter was followed by three expansions (one in 1999 and two in 2001), the second chapter by another two (in 2006 and 2007). The game itself is a shooter focused on the characters of the scientist Gordon Freeman, grappling with an unexpected reaction to an experiment.

              Rumors about a possible Half Life 3 (HL3) started at least from 2010, when theoretically would have come out the next chapter, but Valve chosen to release, in 2011, Duke Nukem Forever, in its turn a long-awaited, and despite regularly Valve has confirmed its intention to release the third and final chapter, years are passing and we have seen only a few traces of HL3.

              HL3 bisThe half-life3.com domain was registered in 1999, in 2006 was announced the arrival of the game in December and mentioned a possible Half Life 4, in 2007 was confirmed that Gordon Freeman would remain the main character, between 2007 and 2008 were also released some images (“concept art”), in 2012 begins to spread the word that Valve was developing a graphics engine in view of HL3, in 2013 the meme “Half Life 3 confirmedstarts to come to life, thanks to the fact that Valve advanced the request for registration of the trade markHalf-Life 3to the Eu authorities and since then is released periodically. Now it will be the right time?

              Who knows: if you want to know, continue to follow Mondivirtuali.it, even through our account on Twitter and our fanpage on Facebook (but remember: Mondivirtuali is also on Flickr, on Pinterest, on Scoop.it e su Paper.li and also on Youtube).

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                CastAR cover

                Do you wanna know what the business where you make billions in the coming years? Virtual reality and augmented reality. Whether are 3D viewers like those of Oculus Rift or digital platform like Project Sansar that shortly Linden Lab will open to the first alpha testers, rather than glasses like the Google Glass (for now destined to remain suspended), startups projects under development that are getting the most substantial funds worldwide (even, albeit timidly, in Italy) now concern mainly this area.

                CastAR, one of the startups who raised million dollars

                CastARThe latest example among the startups active in augmented reality able to have received a substantial” funding is CastAR, which raised 15 million dollars from the creator of Android, Andy Rubin. In addition to money Rubin leads to CastAR (startup of Mountain View wich seems not to be afraid by the idea of having to compete with giants like Google and Facebook) new office spaces, technological expertise and tons of important relationships.

                These are important in the US as in Italy: the money is important, but if you can not enter the “big businessyou will never be a “big, for this reason not all lenders and incubators are equal (and unfortunately for this reason startups in the US or England will continue to have an edge over Italy). To be able to have capital and important relationships you need to be ready to change a lot and very quickly.

                CastAR KickstarterCastAR, for instance, was born as Technical Illusion in Seattle, on the initiative of two technicians from Valve, Jeri Ellsworth and Rick Johnson, to develop augmented reality glasses, a business in which Valve had not believed inducing the two engineers to leave the company to form their own startup.

                In November 2013 the two had already collected the first million dollars thanks to fundraising on Kickstarter, Now they have decided to move the company in the Silicon Valley and change the name and it seems to have worked.

                Image rear-projected on the lenses of glasses

                The idea of CastAR is to rearproject images on the lenses of the glasses. In this way, the wearer will have the impression of having a virtual screen and you will feel immersed in a video game, but will always remain in contact with the world around him/her.

                That’s because, although it could theoretically reconstruct the entire environment surrounding the subject, CastAR device propose only a (virtual) screen like those of video games that usually we use on our smart phones.

                The commercial launch of the eyewear CastAR, that might be of interest not only fans of video games but also engineers and technicians that could be used for professional applications, is expected during the next year, which therefore promises (especially for the expected arrival of the retail version of the Oculus Rift Viewer) as the year of takeoff of virtual reality.

                If any Italian is interested in, please do not wait too much before launching your own idea, for all other wh wanna keep in touch with further development of virtual reality, the advice is just to follow Mondivirtuali.it, even through our account on Twitter and our fanpage on Facebook (but remember: Mondivirtuali is also on Flickr, on Pinterest, on Scoop.it e su Paper.li and also on Youtube).

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                Landmark Entertainment cover

                Landmark Entertainment KongfrontationIn entertainment for kids and families themed amusement parks are one of the most potentially profitable business but have a defect: the high fixed and variable costs mean that to be really profitable to be visited by millions of visitors each year, with all the problems of overcrowding and delays in the use of the individual attractions, often leading.

                Now Landmark Entertainment, which already manages some attractions in Universal Studios Hollywood, Warner Bros and Paramount Parks as well as in some Las Vegas’ hotels and casinos like Hilton, The Venetian and Caesars Palace, thought the solution would be to make sure you can explore the attractions without leaving your home. How? Through virtual reality (VR) devices. For this the company has already raised new capital for VR developing and it plans to develop a series of projects over the next three years.

                In a recent press release Tony Christopher, Landmark Entertainment’s Founder and Ceo, stressed how “people like that all their senses are stimulatedbut that so far the idea of using scents and mobile seats together with 3D projectors to create 4D or 5Dattractions has been the “hardest way” to realize this kind of entertainment.

                So when the subject of virtual reality came back strongly in the newspapers as well as to excite private investors, Christopher realized it was the right time to try to do something different. at the beginning of last year Landmark Entertainment has started to evaluate the idea of developing a virtual amusement park and in just three months managed to get initial funding from a group of Chinese investors.

                When Facebook bought Oculus Rift Landmark Entertainment understood to be on the right track. The first project which should see the light, L.I.V.E. (Landmark Interactive Virtual Experience), seems a bridge between the attractions so far Landmark Entertainment created and managed, and the future virtual amusement park. They will be “mixed reality” centers, to open in China (and maybe in the future in other Countries) where visitors can explore the attractions and shops but even, thanks to VR tools, virtual zoos, aquariums, digital art galleries and museums. The building of the first of these centers will begin in the next 12-18 months.

                Christopher in the press release goes further and says that in the future Landmark Entertainment is going to creat virtual parks which can be visited through VR devices by anyone in the world without the need to physically move from their own home and that the next step will be to be able to launch a kind ofdaily utility”, virtual entertainment experience that people could wish to have access every day.

                Project SansarThen if this will be more like Linden Lab’s Project Sansar rather than Sword Art Online is hard to understand at the moment, especially since until 2018 we will not see it on the market. A date decided not by chance, given that Christopher seems to believe that VR devices like Oculus Rift, whose retail version should debut as early as next year (possibly allowing Linden Lab to open the public beta of Project Sansar in a few months later), will need at least a couple of years before becoming a product that can bemass market”.

                For Landmark Entertainment virtual reality it is thus at the same time an opportunity to be exploited now that ishotbut also a way to diversify its own business and not to depend so closely on the results of theme parks and attractions in the hotels and casinos. But in order to succeed the numbers can not be limited to those of Second Life. With those numbers only Linden Lab is able to earn and Christopher and his Chinese investors not interested in losing some.

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                Super Mario cover

                Shigeru MiyamotoIt will be Shigeru Miyamoto, one of the most prolific and successful Japanese video games designers (they owe to him some of the most famous series produced by Nintendo, from Super Mario to Donkey Kong, from The Legend of Zelda to Pikmin, but also Star Fox, F-Zero and much more) to take the place left vacant by the sudden disappearance of Satoru Iwata, past video games developer who from 2002 has been visionary Ceo and President of the Japanese group (was his decision to focus on the Wii console), who died at age 55 on July 11 due to health problems.

                Miyamoto was already the director in charge of Nintendo Entertainment Analisys and Development, ie the development division of Nintendo, and will be joined in this new position, as stated a note of the group, by Genyo Takedain turn, the author of the series of video games like PunchOut! and StarTropics and already  general manager of the Integrated Research division of Nintendo.

                If the two brilliant Nintendo developers will be enough not to regret Iwata is hard to say, so that analysts now put their hands forward, stressing that it will be difficult for the new leadership to handle Nintendo as was able to do so far the former number one. Yet Miyamoto and Takeda have all the credentials.

                Super Mario’s and Zelda’s daddy, for instance, is considered one of the fathers of video games and perhaps the greatest living designer of video games in the world, having started to work (at that time as an “artist”) for Nintendo in 1980 participating in the development of what would become Donkey Kong.

                Super MarioFrom there to Super Mario, who in Donkey Kong was still called just “Jumpman”, the man who jump, for his ability to dodge the barrels thrown at him from the monkey protagonist, it was a short step.

                Super Mario Bros was a target set, which revitalized the moribund (at the time) video game industry and gave him fame, and was considered the archetype of all the games that were developed as a result, not only from Nintendo.

                The plumber of Italian descent Mario, created in 1981 (in 1983 there was the first appearance of his “brother” Luigi), over time has become the mascot of Nintendo, but originally he was just a substitute role of a character much more famous, Popeye, of which Nintendo had recently lost the license. Because of this, perhaps, his outfit remained for many years a secondary factor.

                In the eighties Mario often wore suits completely blue or red, while the actual style (blue Salopette, red shirt, a pair of white gloves and a red hat with the letter M red inserted in a round white) was defined only a few years later by Yoichi Kotabe, who become official illustrator of the mustachioed plumber (which did not prevent him to define the style of characters as well as Heidi and Marco, as well as to work on the anime and films on the Pokemon).

                Regardless of the initial role and its origins, this mustachioed little man named Italian liked and has much benefited the careers of Miyamoto: who knows if it will continue to bring him luck in the new role? If you want to find out and know more news about the world of video games and digital animation, you have just to follow Mondivirtuali.it, even through our account on Twitter and our fanpage on Facebook (but remember: Mondivirtuali is also on Flickr, on Pinterest, on Scoop.it e su Paper.li and also on Youtube).

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