How one chat bot totally changed my opinion of bots

A couple of weeks ago, together with Sorted MGMT and Hardwell, we launched a messenger bot. Why did we launch the messenger bot? Originally, it was because Sorted Management approached us and asked us to build one. We’re big fans of Hardwell in the WMAS crew, in fact Tom, is probably one of his biggest. So we naturally jumped at the chance.
I’ll admit it, I was a naysayer. – “What’s the point in chat bots?” – “You’re just duplicating the information anyway.” – “I can find the information from Hardwell’s website when I want it.” I don’t get it.
Correction… I didn’t get it. And that’s fine. I’m an adult, I’m 30 now. I’m not a “millennial”… Well according to Pew Research Center I am, thanks Pew…
I use Facebook. I use twitter. I occasionally dip into WhatsApp, and sure I use Messenger to stay in touch with friends.
I don’t use snapchat, well, I have an account. But I really don’t get it, and that’s fine, I don’t need to get it.
When I was a teenager, I used to use MSN Messenger, ALL THE RUDDY TIME. I also used to send *all* of the text messages. I don’t now. I’m old(er) and wiser / grumpier.
We launched the bot. We watched all the conversations happen in real time. People were using it! IN THEIR BUCKET LOAD. We know that kids don’t use Facebook in the same way as we use Facebook. We also have to realise they use tools in other ways too. Messenger apps… This is where these kids “live”.
| They do all of their communications in private.
Why is that? Because they’ve got sensible parents giving them sensible advice. They do all of their communications in “private”. (I’m not getting into a “Facebook own your data” debate).
We’ve started to compile a handy list of articles all around bots. What are chat bots and how do they work?.

5 Ways to Save Money on Your Car Insurance

I don’t know the way to break this for you, but most drivers are paying an excessive amount of for their auto insurance!

For instance, have you ever wondered why your premiums haven’t decreased even though you have been driving carefully for many years? Or why, out of the blue, your premium took a huge jump? For more info, click here. These the situation is caused by a misclassification through the insurance representatives, by the drivers’ lack of knowledge, or from the insurance companies’ rate hikes.

spend less on car insuranceWhen you have had a good record over the past 3 years, you’re already on the right course. If your record is poor, don’t quit. You can always straighten out your record inside the future-and use this article in order to save you money through the waiting period.

Auto insurance rates differ from person to person in accordance with how they use their vehicles. The lowest usage category is for full-time farming. The following lowest category is perfect for pleasure use, which include driving to operate less than 30 miles roundtrip weekly. The next categories are for vehicle use for work between 30 and 100 miles weekly and for work over 100 miles each week. The highest category is perfect for business use including on-the-road sales, light delivery work, and other jobs requiring the continual commercial usage of a vehicle.

The real difference between an insurance agent plus a broker is the fact that an agent works exclusively for one insurance company while a brokerage works for himself, subcontracting with various insurance companies. Therefore, the honesty, integrity, personal service, and cost competitiveness of both needs to be your primary concern when picking your personal insurance representative.

Are both licensed through the same state insurance department, allowing them to earn commissions ranging from 10 percent to 20 percent of the annual premium. Because you can’t get a telephone quote or perhaps the car insurance without their involvement, it’s important you realize that the simplest way to get the best rate and representative is thru knowing the car insurance principles and cost-saving techniques which can be outlined in the following paragraphs.

What Causes Erectile Dysfunction in Men?

Dealing with erectile dysfunction can be overwhelming for most men. When a man is no longer able to achieve an erection, they can quickly lose their self-confidence and begin to experience depression. Though there can be many causes of ED, there are also many types of treatment. The first step in getting help with the condition involves learning what is causing it.

Erectile dysfunction may be caused by several factors:

  • Age can cause issues with ED.
  • Blood circulation issues may be to blame.
  • Depression and other mood disorders make it difficult to obtain an erection.
  • Chronic illness often plays a big role in ED.
  • Sleep disorders and chronic fatigue can cause the symptoms of ED.
  • Side-effects from certain types of medication may cause ED.

To find the cause of your erectile dysfunction, the doctor will need to gather some information on your health history. He or she will ask you when the condition began and what seems to make it worse.

As a part of the treatment process, blood work will most likely be taken to see if there are any underlying health concerns that could be preventing you from achieving an erection. If any are found, these will need to be treated before you work towards engaging in sexual activity.

Through ed pills and other forms of treatment, erectile dysfunction can be overcome. Medications in the class of phosphodiesterase-5 inhibitors are the most popular because they increase blood flow to the sex organs so a lasting erection can be achieved.

These medications are taken before engaging in sexual activity. They normally allow a man to achieve an erection in thirty minutes or less. It is imperative these medications are taken as directed so side-effects can be kept to a minimum.

If you are suffering with ED, ask your doctor about the many medications that are available to treat the condition. These medications can help to restore your sexual ability so you no longer have to suffer with erection issues. Contact your doctor and schedule a consultation appointment so you can learn what is causing your condition and what options you have available for treatment.

Why May I Would Like a Lawyer?

You could have a legal problem and never discover how to resolve it. Lawyers are already particularly trained in legislation and our legal system. Along with the appropriate lawyer can recommend and assist you with your distinct problem.

If you are dealing with criminal fees or a lawsuit, for example, a lawyer can help you realize your privileges, along with the pros and cons of one’s case. A lawyer knows the principles and operations for arguing true in court. And a legal professional can certainly produce a huge difference in if your side in the story is efficiently made available to the court or the jury.

A lawyer can assist you go different ways, seek bankruptcy relief or write down a will. Or, if you were seriously injured or manhandled, a legal professional can assist you file a case. Some legal professionals manage a number of legal problems other folks specialize in many places in the legislation.

Now and again, neglecting to get in touch with legal counsel instantly can make the specific situation a whole lot worse. If you’re caught or linked to a significant auto accident, as an example, a person must job interview the witnesses and gather data at the earliest opportunity.

In other scenarios, deterring legal counsel will save you time, difficulties and funds by protecting against legal problems prior to they happen. Consider, by way of example, the purchase of your loved ones house. It’s likely you have a issue in the upcoming in case you signal buying agreement with no completely understanding it. Or maybe you are starting an enterprise using a partner. A lawyer could indicate the advantages and drawbacks of varied collaboration preparations.

These are a few of the countless situations where attorneys offers advice and guidance.

A lawyer including <a hrefEqualsAhttp://www.jonathanfranklinlaw.com/‘>Jonathan Franklin Law</a&gt will help.

Building Living Room Furntiture Online Stores

Building Living Room Furntiture 
Where you can find corner sofa bed 
To simplify construction procedure with-out sacrificing strength, dowel  assembly is avoided in favor of screws and glue. Nails should never be  used in the main assembly to hold basic sections of the furniture together. 
Only screws, which pull and hold the pieces together in a firm tight grip,  should be used here. Nails can be used for fastening light drawers, attaching edge trim and other decorative features that have no bearing on strength.
To make a strong permanent joint, spread a thin layer of glue on both sections  to be joined, set them together, and immedi-ately tighten with screws. The  best method of working with screws is to pre-drill screw holes in the top piece;   the diameter of the hole is equal to the diameter of the screw being used.
Countersink these holes (if the screws are located at the back or underside  of the piece where they will not be visible). Then, after setting the two pieces  together, drop screws into all the screw holes, hammer them part way into  the undrilled wood beneath (unless it is hardwood), and tighten in the usual  manner.
Corner Sofa Best Prices Online www.olpa.co.uk

In the case of a long row or ring of screws, don’t tighten them in consecutive  order, but skip around, tightening first one at one end, then one at the opposite  end, then back to one midway between, and so on until all are tightened. This will  insure the pieces being evenly brought to-gether and keep them from getting out  of line while assembling.

Quick guide regarding how to find low-cost automobile insurance in Texas and cut back to 40%

Cheap Auto Insurance in Texas As well as the requirement that insureds provide medical evidence, all schemes reserve the proper with the insurer to achieve the claimant examined by the physician of the choice.  In most jurisdictions this extends to autopsies regarding a fatality.  Examinations necessary for insurer are conducted at its expense. The location where the proof loss is inadequate in some respect, the insurer can request additional information, of course, if this isn’t forthcoming, deny the claim. However, if the insurer accepts the proof without comment and permits the time frame for filing the evidence of loss to pass before telling the claimant of the inadequacy, the texasautoinsuranceca
 insurer will be estopped from raising imperfect compliance being a defence. 

In most jurisdictions, insurers are obliged to facilitate the claims process by supplying forms for the purpose. The non-government schemes are each susceptible to a piece in the relevant Insurance Act which requires some insurance company immediately on receipt of a request, and, in any event not after 60 days after receipt of notice of loss to furnish proof of loss forms.  Failure to comply is an offence and in addition prevents the insurer from raising, in response for an action around the policy, the defence that insufficient the years have passed because the filing with the evidence of loss.  Compliance using the provision does not constitute an admission of liability. The corresponding section signing up to the Manitoba government scheme  deems the insured to get complied using the evidence of loss requirements if the insurer does not supply forms within 1 month after being notified of the loss if, inside time for filing, she submits an itemized statement of the happening and character with the accident and also the extent with the loss. The Saskatchewan http://www.texasautoinsurancequote.org/  provision is comparable except the applicable time frame is 15 days.  In British Columbia, the section concerning proof loss states that proof needs to be furnished inside a form licensed by the insurer. You can get great deals and low down payments at Texasautoinsurancequote.org!
Evidence of loss (and spot) under the non-government schemes might be created by the named insured or even a person otherwise eligible to claim or even the agent of either.  In B . c ., the insured must submit both notice and proof,  although it could without doubt suffice if it was done through the medium of an agent.  In Manitoba, proof of a claim will be created by the insured if needed through the corporation and, regarding a fatal accident, by the primary dependant.  The Saskatchewan http://www.texasautoinsurancequote.org/  section is analogous, but also provides that, inside the absence or inability of the specified person to make the proof, it may be done by his agent or other person authorized to obtain payment with the benefits . . . the absence or inability being satisfactorily accounted for.  The reference to the role of the claimant’s representative is probably not necessary. Any attempt by an insurance provider to deny benefits around the technical ground that the claimant didn’t make the proof personally would surely prompt a court to workout its discretion to alleviate against forfeiture. Learn more about Texas Auto Insurance from the state’s
official insurance website!

Tips about how to Find Cheap Auto Insurance In Texas

tx auto insuranceMany factors can make cheap texas auto insurance
 the search for low cost car insurance in Texas a tough one. A lapse in coverage, a less than stellar driving record – they all accumulate. If you’re having trouble finding low cost car insurance in Texas, consider considering the Texas Automobile Insurance Plan Association. The Texas Car insurance Plan Association enables you to obtain the basic Texas liability coverage, injury coverage, and even uninsured and underinsured motorist coverage.

The downside towards the Texas Car insurance Plan Association is you’ll likely be charged higher rates than you’d be charged by your everyday auto insurance company. The upside is Texas Automobile Insurance www.txautoinsurancequotes.com Plan Association provides you with auto insurance you would not otherwise happen to be in a position to obtain. Without car insurance or some type of evidence of financial responsibility in Texas, you’re driving illegally which brings consequences.

In Texas, if you are caught driving without insurance or some form of evidence of financial responsibility, you will be fined between $175 to $350 – and that’s just your first offense. If you’re caught again, you will pay a higher fine, and when there’s a third offense, not only will you pay an even higher fine compared to first and second offenses, however, you also risk having your driver license suspended. Plus, you’ll be given a ticket for any surchargeable violation. A ticket. Sounds like no big deal, right? Wrong. In Texas, a surchargeable violation means you can be charged more often than once for the violation, i.e., you’ll have to pay a fine for that violation annually for up to 3 years.

So, seeking to the Texas Car insurance Plan Association for cheap auto insurance in Texas might not give you cheaper auto insurance rates than standard auto insurance companies, but it will give you a cheaper bill than you’re going to get if you are caught driving without car insurance or evidence of financial responsibility.

To get free quotes and find out more about insurance please visit the following recommended sites www.tdi.texas.gov.

Types of Reinsurance Automatic or Treaty Reinsurance for Texas Drivers

In automatic or treaty reinsurance the direct writer and the reinsurer get into an expert contract this agreement the former will cede an agreed amount tx auto insurance towards the latter. The amount of risk that the reinsurer must accept on each insured is determined by the treaty. These treaties do not have a termination period and continue until the agreement is cancelled by one of many parties.

You will find three basic forms of automatic or treaty reinsurance. The first is quota share in which the reinsurer agrees to just accept a particular area of the gross writings from the ceding company. On this arrangement the reinsurer assumes some of most risks published by the ceding company and receives a commission to cover expenses and produce an income. The reinsurer indemnifies the ceding company against a hard and fast percentage of loss on each risk covered in the contract .

An additional kind of treaty is named surplus share. It is different from quota be part of that instead of ceding a share of gross premiums, the reinsured establishes a professional rata retention or “line” on the individual risk and then cedes a portion or multiple of this line.

The 3rd form of automatic or treaty reinsurance is known as more than loss. These treaties generally give the reinsured to deal with all loss as much as the retention agreed upon. Here the reinsurer only assumes risks exceeding the retention limit. Under the quota basis, the reinsurer assumes a part of every risk insured; whilst in excess treaties the reinsurer only assumes that section of a loss of profits above the retention limit.

If the cedant’s net retention is $100,000 as well as the excess coverage is for $200,000, the agreement would be expressed as $200,000 excess of $100,000. For instance, a $200,000 loss has experience. The cedent would pay $100,000 as well as the reinsurer would give the remaining $100,000. On the other hand, if your $225,000 loss occurs, the cedant would pay $100,000. The reinsurer would pay $100,000, and the remaining $25,000 of loss reverts returning to the cedant. Read more here.

Pre-arranged excess reinsurance agreements have several functions in common: (1) they protect the cedant against large losses which arise from policies issued; (2) they encourage the cedant to limit its amount of maximum probable loss to a predetermined level which is often safely absorbed by the cedent’s financial structure and premium volume; (3) they stabilize the cedant’s loss ratio by getting heavy losses to be spread in a period of years.

Quick guide regarding how to find inexpensive car insurance in California and cut back to 75%

 As the california car insurance quotes Slater Report did not provide specifics (the issue of automobile insurance was not central for the regards to reference), and, considering the talk surrounding the recommendation, the Ontario Government made a decision to launch another study of no-fault car insurance.  At period of writing, Mr. Justice Osborne from the High Court of Ontario is just completing that task. His recommendations are discussed within the Epilogue.

America california auto insurance companies Like other jurisdictions in America, The united states had legislated measures made to ensure the option of funds to make up no less than the innocent victims of car accidents. Financial responsibility laws, an uninsured motorist fund and an assigned risk plan have been established in 1948.  However, these measures are not totally effective along with a significant quantity of motorists stayed uninsured. Moreover, problems of delay inside the settlement of claims persisted. The Wootton CommissionIn 1966, the government established a Royal Commission chaired by Mr. Justice R.A.B. Wootton of the B.C. Supreme court.  The inquiry was to be wide-ranging, the regards to reference requiring the commission to analyze replacing the tort system with “some arrange for accident insurance” and whether suph a plan ought to be run by government or private insurers. The best website for fast, free quotes is Cheapcaliforniainsurance.net!

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Affordable Texas Auto Insurance

Bargain Texas Auto Insurance Inside a recent case texas auto insurance company involving an Hawaii plaintiff, The state defendants and an accident inside the state, their state High Court, without referring to McLean or Going, held the applicable law was what the law states of the place where the motor vehicle accident occurred. However, this was reversed on appeal. In another recent case, Ang v. Track,91 which involved claims by an The state resident under the Divorce Act against a Hawaii resident, encounter was allowed reluctantly.  These cases illustrate the continued doubts about the general use of McLean v. Pettigrew plus it seems that the time is ripe for the review although that, apparently, must come from the Top court of the united states.  

The payment of advantages under texas car insurance quotes no-fault car insurance requires compliance through the insured with certain conditions concerning notice and proof loss. The various statutory instruments which govern Canadian no-fault schemes lay down enough time and manner in which this must be done. Insurers’ obligations regarding properly made claims will also be commonly specified. In which a claim is disputed there might be recourse to arbitration or perhaps the courts provided proceedings are commenced within the relevant limitation period. Obviously all this is valid for almost any type of insurance and a lot of the law concerning the claims process for insurance usually applicable to no-fault insurance. The detail of that law is at night scope of this book. Here the main objective is fixed to people areas of the process which can be specific to no-fault insurance. Save money in just a few clicks with Texasinsuranceauto.org!

The insured’s obligation to inform the auto insurance quotes texas insurer with the claim should be performed in just a specified time from your date from the accident. In Newfoundland, the time is 1 month.  In Manitoba  and all the other provinces with non-government regimes,  it is Thirty days or as soon as practicable thereafter; plus Saskatchewan,  15 days or when reasonably practicable thereafter. The state requirement is always that an application must be manufactured in the prescribed form within 36 months of the occurrence that establishes the legal right to compensation.  In Bc,  notice must be given promptly but, furthermore, not after 30 days in the date with the accident the insured must deliver or send by registered mail to the insurer a written report from the accident.  Under the non-government schemes the notice must be in writing and only delivered or sent by registered mail to the chief agency or head office of the insurer within the province. Learn everything you need to know about Texas here.