Perhaps one of the most well-known moments of crossover between Phish and Grateful Dead worlds came in April of 1999, when bassist Phil Lesh hosted a Phish-y “Friends” performance at The Warfield Theatre in San Francisco, CA. The run took place between April 15-17, featuring Trey Anastasio and Page McConnell from Phish alongside Steve Kimock and John Molo.Though these legendary shows have certainly held a noteworthy spot in the jam history books, few have gotten to watch the pure chemistry between the five band members. Fortunately, a new video has emerged onto YouTube, capturing the first night of the stand in its entirety.Thanks to a number of people, including taper Art Granoff and uploader Kevin Tobin, we can sit back and watch the magic that was Phil Lesh & Phriends. Enjoy…Setlist: Phil Lesh & Friends at the Warfield Theatre, San Francisco, CA – 4/15/99I: Viola Lee Blues, Big Railroad Blues, Jack-a-Roe, Cosmic Charlie, Wolfman’s Brother -> Uncle John’s BandII: Alabama Getaway, Sugaree, Like a Rolling Stone > I Know You Rider, Row Jimmy, Shakedown Street -> The Wheel > Not Fade AwayE: Mr Tambourine Man
4SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr Disputed payments are a growing problem across our industry. In fact, research shows that payment disputes cost card issuers $12 billion annually, with 45 percent of all consumers filing at least one dispute a year – and 25 percent filing more than one dispute.Consider that for every dollar in dispute, the average fees to process a chargeback exceed the transaction value: with $0.43 going to management costs, $0.37 in chargeback fees and $0.70 in labor costs.“Dispute recovery functions, such as chargebacks, are historically labor-intensive, multi-step processes often requiring a specialized knowledge base and use of multiple, disparate systems. Compound these challenges with the fact that the rules for chargeback processing change twice a year, and the problem can become unbearable without the right tools,” said Lori Kastrick, Vice President, Industry and Back Office Services, for CO-OP. “This dynamic puts a credit union’s staff in constant training mode and heightens stress for employees.”At the same time, CO-OP’s Member Journey research revealed card disputes to be a particularly sensitive point among members, leading to higher feelings of stress and anxiety. “Members typically feel a sense of urgency when they discover an unauthorized charge on their account,” said Kastrick. “It’s a service experience that the credit union has to get right. When the member has a dispute, they want their money returned to them quickly. When that is not the case, the credit union can lose that member over it.”Partnering With Lean Industries on a New Industry Chargeback Solution Solving the issue of chargebacks was the number one issue identified last year by CO-OP’s client advisory Co-Creation Councils. CO-OP quickly assembled a Chargebacks and Disputes team under Kastrick. And, the company is now partnering with Lean Industries to make available a new enterprise chargebacks solution. As a CO-OP strategic partner, Lean Industries will apply advanced workflow automation technology to streamline and simplify the entire dispute resolution process, from intake through to resolution.For credit union employees, that means reduced time and labor involved in resolving payments disputes; for credit union members, that means faster dispute resolution and improved clarity about the status of a dispute as it is being resolved.“We provide both a workflow tool and automation,” said Jim Schlegel, Vice President of Sales and Delivery, for Lean Industries. “Our solution orchestrates the dispute management process with other technologies involved in each phase of the process, providing a single point of user interaction and a platform of extensive integration. This allows CO-OP and its credit unions to avoid costly and cumbersome procedures, many of which are performed manually today.” Having one system to manage all aspects of the dispute lifecycle benefits credit unions and members in five key areas: Streamlining the Intake ProcessAccording to Schlegel, the intake process for a single dispute can take up to 15 minutes by phone – and when fraud is the underlying cause, it is common for the member to dispute more than one transaction. “Once the dispute is initiated, the case information is relayed to the back office where another employee assesses the case and decides on a resolution plan” he said. “During that resolution plan, various communications with the member are generated, with financial adjustments being made to the member’s account. And, then the arduous process of recovering funds from the merchant begins. However, if the intake process fails in any way, the entire resolution process is jeopardized.” The new system, adds Kastrick, will guide members through a standard series of questions, allowing CO-OP to capture all the information needed up front, when the member initially reports an incident, thereby eliminating any errors or omissions during the intake process.“These improvements to the intake process will also greatly reduce any callbacks to members, which can be a frustrating member experience,” she added. “Plus, with a digital workflow, the chargeback process is much more transparent, allowing the credit union and member to easily access information on where a particular claim stands at any point in time.” Greater FlexibilityThe new CO-OP solution will provide a customized experience for credit unions and members as well. “The flexibility of the system, for example, will enable personalized profiles to be built for each member and credit union served,” said Kastrick. “This is important because every credit union has specific requirements and exceptions to be handled. Having those processing parameters stored and managed directly in the application will allow us to work the chargebacks in a much timelier fashion, and evolve the process as business and market dynamics demand.” Lowering Operational CostsDisputed payments tie up human resources and requires staff to be diverted from other, revenue generating tasks. CO-OP’s new solution will automate several manual processes and will also include an alerting function to prompt employees when a decision needs to be made or a new action taken. From the contact center to the branch and the back office, the time employees spend recouping costs adds up quickly. “One of the major benefits of this platform is that it will eliminate the need to manually key information into a various systems,” Kastrick notes. “Instead, critical case data will be systematically retrieved rather than relying on analysts to perform clerical functions – a major efficiency gain.” Regulatory ComplianceEnsuring regulatory compliance is another hidden and complicated issue within chargebacks and disputes. There are multiple governmental and industry regulations that impact the chargeback process today and one violation can result in anything from an employee being terminated to the credit union losing its very charter. The new platform will ensure that all chargebacks are resolved in accordance with the latest regulations, eliminating the need for manual case reviews. Member ExperienceFinally, and most importantly, the new solution will aim to provide a better member experience by resolving disputes and chargebacks faster.“Card disputes can have a measureable impact on the reputation of your credit union,” says Kastrick. “Our new solution is designed to help mitigate that risk and ensure members feel that their needs are being met quickly.”Disputes and chargebacks are an important part of the member service experience. Read CO-OP’s latest whitepaper to discover how service expectations are shifting in the digital age and what you can do to ensure your members’ needs are met:
“It’s better when you are with somebody in a room … but the online services in one way give us opportunity to be with people more because we are with them in their pocket,” he said holding a mobile phone during an online video interview.With almost 219,000 infections and more than 8,900 deaths so far, the epidemic has stunned the world and drawn comparisons with traumas such as World War Two and the 1918 Spanish flu.In Italy – home to a large and devout Catholic population – priests have turned to technology to support some of the communities worst hit by the rapid viral spread.When news broke on Feb. 23 that all Masses in and around the northern city of Milan were to be suspended, priest Fabio Zanin came up with a new way to stay in touch with his flock. Armed with a mobile phone and help from young parishioners, he set up an Instagram account and started streaming daily functions held behind closed doors on social media.”We though it would only be for a few days,” said Zanin, a Catholic priest from Cusano Milanino, a small town north of Italy’s financial capital.”In the meantime, the whole word has been turned upside down,” the 28-year-old told the Thomson Reuters Foundation by phone.Zanin even asked parishioners to send in photos as they watched the Mass online, saying: “People need human contact”.The highly contagious respiratory disease that originated in China has pushed governments on every continent to impose draconian lockdowns, hitting sport, shopping, travel and faith.From Japan to the United States, many religious groups have suspended services and moved faith online, trying out new ways to stay close to their communities, as holy sites and public spaces shut, changing the face of many world cities.Holy water and toilet paper Churches have historically been a place of sanctuary in times of crisis and closures have caused disarray.Last week, the Pope’s vicar for the Rome archdiocese ordered churches in the Italian capital to shut their doors only to back peddle a day later, following complaints from some Catholics and a caution against “drastic measures” from the pontiff.Besides broadcasting services, some have come up with novel initiatives to raise morale among those confined to home.Jehovah’s Witnesses have stopped their custom of knocking on doors and setting up stall at busy crossroads but congregants were still meeting in small home groups in countries where it was permitted, a spokesman said.In Britain, where the Chief Rabbi has urged synagogues to suspend all activities, a London-based congregation called on members not to “let social distancing become social isolation”.”Whether you are in need of an extra loo (toilet) roll, some food dropped off or a listening ear to share your fears, let us be the planks for one another in the weeks ahead,” Rabbi Elana Dellal of the Liberal Jewish Synagogue wrote in an online post.US Buddhist magazine Tricycle has published online meditations to help ease people’s anxiety, while the St. James Episcopal Church in Newport Beach, California, urged parishioners to put their enforced down time to good use.”Now is a good time to read Cradle to Cradle and watch those documentaries I asked you to watch!” Reverend Cindy Evans Voorhees wrote in an email newsletter.In Tbilisi, Georgia, the Orthodox Church – criticized for still serving worshippers bread from a shared spoon – organized a motorcade to bless the city streets and ward off the virus.On Tuesday, priests holding icons rode on pick-up trucks sprinkling people and pavements from tanks of holy water.”This will be another good event by the Church to bring peace and calm to people,” said churchgoer Kote Svanadze. Topics : As coronavirus closes churches, synagogues and mosques worldwide, religious leaders are taking faith online to ensure God’s word gets to the millions marooned by the pandemic.Services are being streamed on Instagram, prayers posted by video link and timeless texts shared on cellphones to bring spiritual support to the hundreds of thousands of believers denied a place of worship.”Because I am not physically close to you, it doesn’t mean I can’t be emotionally close to you,” said Miles McPherson, a senior pastor at the Rock Church in San Diego, California, which moved to online streaming on Sunday.
(BBC) – Manchester United produced a lacklustre display as their Europa League campaign began in defeat at Feyenoord.Jose Mourinho made eight changes from the team beaten by Manchester City and an Anthony Martial shot going wide was their only first-half chance.Zlatan Ibrahimovic came on for the visitors and headed wide as he failed to turn around his side’s fortunes.Instead, Nicolai Jorgensen, who was offside, crossed for Tonny Vilhena to drive in Feyenoord’s late winner.Ibrahimovic went close to an equaliser with a drilled free-kick but it was saved at the second attempt by former Liverpool keeper Brad Jones.The defeat means United have lost four successive European away games in a row for the first time.