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Moreover, we tested the new system with different acoustic environments, such as different background noise levels, different speaker distances to the microphone, and different speakers. For example, in the use of the word “Computer'' in an alerting context is "Computer, show me the chart? '' and in a referential context it is “Every computer should have a speaker. Also, this new ASR system will be used to solve one of the biggest problems in speech recognition, which is how to discriminate between the uses of a word or phrase in an alerting and a referential context. Try the Fullscreen button in classrooms and meetings :-) Use this 2 Minutes Full Screen Here are some great pre-set timers ready to use. However, in this paper, we propose an approach that will be used to detect the Wake-up-word (WUW) as a command with 100% accuracy and to provide a whole speech recognition system that can work in both WUW and General ASR systems with high accuracy. A cool little 2 Minutes Timer Simple to use, no settings, just click start for a countdown timer of 2 Minutes. The WUW speech recognition is similar to Key-Word spotting. All these applications in life will increase the number of speech commands, which are Wake-up-words. The Automatic Speech Recognition (ARS) Systems have become popular in the different areas of applications, such as education assistance, medical assistance, personal assistant, robotics and vehicles, telecommunications Industry, disabilities systems, home automation, and security access control. This paper compares speech recognition performance between Kaldi and Google Cloud Speech API in WER and RTF and confirms the recognition performance of each recognition system. On the other hand, several speech recognition services that are Web API is also provided, such as IBM Watson Speech to Text, Microsoft Bing Speech API, and Google Cloud Speech API, which is known that it has high performance. For the best help experience, sign in to your Google account. Among several speech recognition systems, Kaldi is a widely used speech recognition system in many kinds of researches. Google Voice Help Sign in Help Center Community Google Voice You're not signed in to your Google account. enhancing the performance of the speech recognition system. In this study, we focus on the speech recognition module of the spoken dialogue system and aim for improving the spoken dialogue system by. The spoken dialogue system consists of a speech recognition module. The speech interface includes spoken dialogue function and high performance of a spoken dialogue system has been required. In recent years, many systems having a speech interface have grown. Moreover, we used different corpus that were selected from various sources such as TED, Europarl, and Youtube for testing and evaluation this tool. Also, this tool can be used to create the conversation between two users by using different languages. In this proposal, we have established a tool that can be used to watch a television or any video with speech and text translation in real time using Google Cloud Translation API. However This proposal investigates the performance of real time speech translation in different applications that are able to capture words in one language and reproduce them in another. There are many companies that have used this technology to develop various kinds of applications that can be used to build a real-time voice communication system between foreigners such as Skype Translator, Google Translate, Youtube Subtitles, Alexa Translate and IBM Watson Language Translator. “Increase volume by 10%”, “Decrease volume by 10%”Īnd there you have it: all the necessary commands to make sure your timers are all set properly, last the right length of time, and even play at the right volume.Live Speech Translation or Real Time Speech Translation is one of the difficulty areas in speech recognition technology that can be used to build the speech to speech translator software. Increase volume by a 10% incrementGoogle Home Max: Increasesĭecrease volume by a 10% decrementGoogle Home Max: Decreases “How much time is left on the sleep timer?”Ĭontrol Volume of Timer by Voice To do this: Constructing a European identityĪll students who attend Portuguese schools are required to read The Lusiads, an epic 16th-century poem by Portuguese poet Luis Vaz de Camoes that celebrates the glory of Portugal’s kings and explorers at a time of imperial expansion. “I wish there was more focus on the heritage left by Muslim rule, it’s not very well-known in Portugal,” she reflects. She would have liked the school curricula to better cover the long period of coexistence between Muslims, Christians and Jews, often believed to be the reason the region prospered as a hub for culture and science. Born in Portugal to parents of Indian and Arab origins, Sacoor is a member of Lisbon’s Muslim community. “What is taught in school is always taught from the perspective of the ,” says 30-year-old Noor-ayn Sacoor. Today, however, less than 0.5 percent of the population of 11 million is Muslim, and few are aware that Muslims once made up a much larger proportion of the population. “The Christian reconquest doesn’t mean Muslims go back to their land, because this land was theirs as well,” says the historian. History textbooks emphasise the battles fought by Christian rulers against Muslim ones, but the defeat of Muslim armies did not mean an end to the Muslim presence in Portugal. Traces of Portugal’s Islamic past can still be found “It’s interesting we don’t talk about the Roman conquest, or the Visigothic conquest, but we always talk about the Islamic conquest.”īefore Muslim armies arrived, the region was ruled by Visigoths, a Germanic people who ruled between 418 and 711. “The Iberian Peninsula kept being conquered,” she says. Research has suggested that by the 10th century, half the population of the Iberian peninsula was Muslim.įor Barros, Muslims who sailed from North Africa were no more foreign than the Christian kings and armies from northern Europe who conquered the territory before and after them. “A great part of the population converted to Islam,” explains Filomena Barros, a professor of Medieval History at the University of Evora. But not everyone agrees with this version of history. Since then, Portuguese identity has been constructed in opposition to the Moors, historically depicted as enemies. Textbooks place more emphasis on a triumphant “reconquest” of the territory by Christian rulers, aided by crusaders, that ended in the 13th century. In Portuguese schools, the five centuries of Muslim rule are studied only briefly. But that legacy has been largely forgotten in the predominantly Catholic country. Known in Arabic as al-Andalus, the region joined the expanding Umayyad Empire and prospered under Muslim rule. In the 8th century, Muslims sailed from North Africa and took control of what is now Portugal and Spain. For centuries, the region was ruled by Arabic-speaking Muslims known as Moors. It should not be too surprising that Arabic influences can still be found in the Portuguese language. Then there is the expression “oxala” (pronounced oshallah), a direct descendent of the Arabic “inshallah”. Some relate to food, others to cities or regions. “I found many common words,” he explains before beginning to list them. But he was able to find some familiar features. Once in Greece, he was offered resettlement in Portugal, a country he knew very little about. Lisbon, Portugal – After fleeing war in his native Iraq, 33-year-old Mustafa Abdulsattar risked his life on a perilous boat trip from Turkey to Greece. Most notably, there are five main game modes: Classic, Dunk, Hockey, Explore and Party. The level of customisation is impressive, for example, with a huge array of options that go beyond simply choosing your course and the number of players. That’s not to say Golf With Your Friends has nothing going for it, of course: it absolutely does. Again, though, given that this is designed primarily as a multiplayer game – up to 12 players can take part – the complicated, maze-like nature of some holes means that players with experience will have a clear advantage there’s no real ‘great leveller’ here that gives everyone an equal chance of victory, something all of the best party games possess. Eventually, after playing courses a number of times, you’ll remember where the best routes are for each hole and will end up with a better score as a result. Some of the later holes in each course are pretty convoluted and require a fair amount of trial and error before you eventually realise where you’re supposed to go. This extends to playing the game as a whole, really. Once you get used to it it’s fine, but considering this is a game with a heavy multiplayer focus, it’s not unrealistic to suggest that confusion can break out among some less-experienced players. In some modes, the left stick also applies spin to the ball, which can initially cause some problems your power is shown as a horizontal gauge on the bottom of the screen so your instinct will be to move the stick left and right to set your power – but that sets the spin instead. The shot process can take a little getting used to: you aim with the right stick, choose your power in advance by moving the left stick up and down, then press A to hit the ball. Each has its own charm and its own lovely little details, but if we had one criticism it’s that each course only has a single music track that plays on a loop, which can eventually get to you considering it takes roughly half an hour to get through all 18 holes. There’s also one based on Worms, because of course there is. Each course has a theme, from sensible ones like a forest and a desert to slightly more off-the-wall offerings like a space station, a volcano and a world made out of sweets. The game contains 11 courses at launch, each with 18 holes, giving nearly 200 holes in total (a twelfth course based on Team17’s prison breakout sim The Escapists is coming soon). It’s actually even more literal than you’d think, but we’ll address that in a second. Anyone expecting anything other than a golf-themed game with a heavy emphasis on multiplayer would be setting themselves up for disappointment, and with a title like that, they’d only really have themselves to blame. In terms of doing what it says on the tin it’s fair to say that Golf With Your Friends doesn’t pull any punches. At the time of writing, however, it’s safe to say that the idea of standing in a small area next to people from a different household is frowned upon at best luckily, Team17 is here with Golf With Your Friends, in the hope that it can offer the next best thing. When it comes to having a fun day out with some chums you can’t beat a bit of mini-golf (or crazy golf or putt-putt, or whatever you prefer to call it). Captured on Nintendo Switch (Handheld/Undocked) How to Choose the Right Factoring Company SME Exporters are more likely to be approved for invoice financing than for a bank loan, particularly if they are new firms or have patchy credit histories. Banks are often unwilling to assume the risk of lending to small businesses engaged in international trade. Many Exporters offer deferred payment terms to attract larger international Buyers, so invoice factoring can provide Exporters with access to cash that would otherwise be tied up for months in unpaid invoices.Īpplying for invoice factoring can be more convenient and time-efficient than applying for a bank loan. They receive most of the money as an advance when goods are shipped, and the balance later.Īn invoice factoring company provides instant cash to small businesses that need to cover short-term business expenses and can’t wait for invoices to be settled. Invoice factoring is not like a bank loan because Suppliers are receiving only the money that is already owed to them by their Buyers. Is Invoice Factoring the Same as a Bank Loan? Buyer quality - financiers may charge higher fees to protect themselves from risky Buyers.įor invoice factoring fee estimates with Stenn, check out our ‘cost-efficiency calculator’.The length of payment terms - longer payment terms often result in higher fees.The invoice amount - the higher the cost, the greater the risk for the financier.Other factors can influence the cost of invoice financing services. Invoice factoring costs are typically charged as a percentage of the invoice amount.įor example, if a factoring company charged a 1% fee for an invoice sum of $100 000 (USD), it would take $1 000 (USD) from the final invoice amount. However, the service significantly benefits companies in sectors that trade using deferred payment terms. Stenn then pays the remaining 10% ($100 000 (USD)) to Supplier Ltd, minus a service fee.įor more information on invoice financing and how it works, check out our walkthrough video:īusinesses in any industry can use invoice factoring. Supplier Ltd owns $1 000 000 (USD) of unpaid invoices for goods shipped to Buyer Ltd on 120-day terms but needs access to cash now.Ī factoring company ( Stenn) agrees to advance 90% of their face value ($900 000 (USD)) to Supplier Ltd.īuyer Ltd later pays the $1 000 000 (USD) invoice amount to Stenn on the agreed date. In non-recourse financing, the finance company assumes liability for the loss, whereas, in recourse financing, the Exporter would be responsible for chasing the Importer for payment. If the Importer doesn’t pay the full invoice amount, liability for the invoice payment depends on the type of invoice finance requested. When the invoice is paid, the factoring company sends the balance payment (minus a pre-agreed service fee) to the Exporter.The factoring company then waits for the invoice to be paid on the due date.The factoring company now advances a percentage of the value of the invoice directly to the Exporter.An Exporter invoices an Importer for products or services with delayed payment terms.The financier advances a percentage (usually 70-90%) of an outstanding invoice to the Exporter, with the balance (minus a pre-agreed fee) sent once the Importer has paid the invoice. The finance company then collects payment from the Buyer when the invoice is due. Invoice financing companies bridge this cash flow gap by buying invoices from the Supplier in exchange for liquid capital once goods are shipped. This can lead to cash flow problems - when wages and other running costs need to be paid - as well as an inability to invest in company growth. Suppliers (Exporters) often sell goods to their Buyers (Importers) on deferred payment terms, which means they may have to wait up to 120 days for payment. However, factoring involves much beyond this basic definition and Stenn has produced this guide to give you important information to consider. Invoice factoring - or invoice financing - involves a third-party factor buying a company’s unpaid invoices to help it free up cash. In November 2021, Continental exercised the second and final option to extend the term by one year. The margin will also depend on the Continental Group’s sustainability performance. The syndicated loan that was renewed ahead of schedule in December 2019 consists of a revolving tranche of €4.0 billion and has an original term of five years. As at the end of 2021, this mix consisted of bonds (53%), a syndicated loan (not utilized), other bank liabilities (19%) and other indebtedness (28%) based on the gross indebtedness of €6,260.5 million. For short-term financing in particular, we use a wide range of financing instruments. Our gross indebtedness should be a balanced mix of liabilities to banks and other sources of financing on the capital market. In the reporting year, it was 35.3% and the gearing ratio 29.8%. If justified by extraordinary financing reasons or specific market circumstances, we can rise above this level under certain conditions. In general, the gearing ratio should be below 40% in the coming years and not exceed 60% in general. Other investment projects, for example acquisitions, should be financed from a balanced mix of equity and debt depending on the ratio of net indebtedness to equity ( gearing ratio) and the liquidity situation to achieve constant improvement in the respective capital market environment. Our goal is to finance ongoing investment requirements from the operating cash flow. For continuing operations in 2021, both the ROCE and the WACC amounted to 10%, hence no added value (CVC) was generated. We call this value added, produced by subtracting the WACC from the ROCE multiplied by average operating assets, the Continental Value Contribution (CVC). Value is added if the ROCE exceeds the weighted average cost of capital ( WACC). Based on the long-term average, the weighted average cost of capital for our company is about 10%. Borrowing costs are calculated based on Continental’s weighted debt-capital cost rate. Equity costs are based on the return from a risk-free alternative investment plus a market risk premium, taking into account Continental’s specific risk. The weighted average cost of capital (WACC) is calculated to determine the cost of financing the capital employed. The ROCE for the continuing operations of Continental amounted to 10.0% in 2021. We deal with the problem of the different periods of analysis by calculating the capital employed as an average figure over the ends of quarterly reporting periods. Comparing a figure from the statement of income (EBIT) with one from the statement of financial position (capital employed) produces an integral analysis. The return on capital employed ( ROCE) represents the ratio of these two calculated values. In 2021, average operating assets from continuing operations amounted to €18.4 billion. At Continental, this figure is calculated as the average of operating assets as at the end of the quarterly reporting periods. In the year under review, EBIT from continuing operations amounted to €1.8 billion.Ĭapital employed is the funds used by the company to generate its sales. The performance indicators used are EBIT, capital employed, and the weighted average cost of capital (WACC), which is calculated from the proportional weight of equity and debt costs.ĮBIT is the net total of sales, other income and expenses plus income from equity-accounted investees and from investments but before financial result and income tax expense. This can be achieved by increasing the return on capital employed (with the costs of capital remaining constant), lowering the costs of capital (while maintaining the return on capital employed), or decreasing capital employed over time. It is also crucial that the absolute contribution to value ( Continental Value Contribution, CVC) increases year for year. At the same time, this return must always exceed the equity and debt financing costs of acquiring the operating capital. This goal is achieved by generating a positive return on the capital employed in each respective business unit. Our corporate objectives center on the sustainable enhancement of the value of each individual business unit. To allow us to use the financial performance indicators for management purposes as well, and to map the interdependencies between these indicators, we summarize them as key figures as part of a value-driver system. Key financial performance indicators are the adjusted EBIT margin, capital employed, as well as the amount of capital expenditure and free cash flow. Value management at Continental is focused on value creation through profitable sales growth. The goal is the sustained increase in the Continental Group’s value. The Free Membership includes everything mentioned above, along with a daily score update and daily credit monitoring with alerts from one bureau. Credit Sesame is more comparable to Credit Karma and WalletHub in terms of content, but it lacks some of their tools.Ĭredit Sesame currently offers two subscription levels. 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The graphics above show the barometric pressure field. Due to the lack of confidence in the extended forecast, the National Hurricane Center’s official track. These models make forecasts by solving the physical equations that govern the atmosphere, using a variety of numerical methods and initial conditions based on available observations. GFS pushes Elsa to the Gulf while NHC track is farther east but between the EURO in yellow. Dynamical models are the most complex and most computationally expensive numerical models run. Global models (such as the ECWMF, the GFS and the NAVGEM) are dynamical models with a domain of the entire planet. Ophelia weakened, becoming an ex-hurricane, before it hit Europe. Beyond the good medium-range track prediction skill of the ECMWF model, its high resolution has shown potential for useful intensity forecasting. A Category-3 hurricane at its peak, no major tropical storm on record has ever ventured so close to Europe. Despite this, it has shown skill in forecasting Tropical Cyclones. The ECMWF does not alter its initial fields for Tropical Cyclones. The graphic above shows the ECWMF deterministic global dynamical model. An ensemble forecast takes the output from many deterministic models and creates an average or consensus. Deterministic refers to cause and effect. A hurricane watch has been issued for parts of Long Island, from Fire Island Inlet on the south shore and Jefferson Harbor on the north shore eastward to Montauk, and from New Haven, Connecticut. The ECWMF model runs both in a "deterministic forecast" mode and as an ensemble. The model is run twice a day at 0z and 12z out to 10 days in the future. The European Centre for Medium-Range Weather Forecasts (ECMWF, the Centre) is an intergovernmental organization supported by 34 countries and based near London. The European Medium Range Forecast Model is considered one of the premiere global forecasting model for the mid-latitudes. European Center for Medium Range Weather Forecasting Integrated Forecast System |
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