Day: October 15, 2021

The new Italian airline ITA Airways is born, an efficient and innovative air carrier, which puts customers at the center of its strategy (through a strong digitalization of processes and customization of services) and environmental sustainability (new planes with reduced environmental impact and technologically advanced), also in internal governance plans and processes.In the photo: Alfredo Altavilla, President of ITA AirwaysRome 15 October 2021

WM’s in-house TITAN System is a core component of its Global Clearing System. It enables instant Transfers and Payments – with instant Clearing and Settlement – in 1/100th of a second worldwide. In combination with WM’s free Multicurrency Wallets and zero cost TUV Digital Currency it enables zero-cost and instant payments, and transfers 24/7/365

ST PETER PORT, Guernsey and NEW YORK, Oct. 15, 2021 (GLOBE NEWSWIRE) — One of the core and critical requirements for any Global Clearing System to function, is the capacity to send transfers or payments via a robust transfer system, from a specifically identified person or account, to another specifically identified person or account – with an assurance of transfer completion, with security and documentary confirmation of sending, and of receipt.

This is what the legacy Telecommunications System SWIFT – and entities that function on its infrastructure like the IBAN and other systems – do. They do it via intermediary-heavy systems and processes first created in the 20^th Century, and rely on long chains of multiple entities with multiple layers of process-replication to function.

The legacy system structures and processes have multiple issues attached to them, including:

• Requiring long chains of intermediaries to function. This leads to time delays – sometimes several days – when funds are being sent from one person or entity to another.
• Periods – sometimes several days – when the funds being sent “disappear”, and are neither in the sender’s nor the recipient’s accounts.
• All intermediaries along the route need to be paid, and this leads to substantial fees being charged.
• The transferring entities force FX conversions on the sender and recipient at an arbitrary rate, not set by either the sender or the recipient.
• Due to the large number of intermediaries involved in the sending and receiving chain, these legacy systems are vulnerable – both to theft and to money-laundering (see details on the “Bangladesh Bank Heist” in the “Resources section of this article).

When constructing its Global Clearing System, one of the first inner Systems that Global Telephony Provider Webtel.mobi (“WM”) constructed was a 21^st Century-standard System for sending and receiving transfer and payments – Nationally and Internationally.

This is the “TITAN” System – which stands for TEL.mobi Group Inter-TEL.mobi Account Number System.

It is the only Account, Account Number and Transfer System in the world that functions worldwide with no intermediaries required, and which functions according to the same structure, standards, and system.

Moreover, every person in the world that joins WM, or one of its VSMPs as a Member, is automatically assigned a unique account number. This is known as the ITAN – the Inter-TEL.mobi Account Number.

The ITAN System functions in combination with the WM Members Account, the free Multicurrency Wallets given to each WM Member when they join, and all Facilities within the Member’s Account in the WM System – including the TUV Digital Currency Payments and Transfers Facility.

Each Member’s ITAN Number is unique, and denotes the Region and Country where the Member signed up from. Unlike other systems, the ITAN is not the property of a Bank. It belongs to the Member directly – because all WM Transactions take place on a Pure Peer-to-Peer (“PP2P”) basis.

Each Member’s unique ITAN Number is linked to the Member’s own Mobile Phone Number, and name, by WM’s Complex Adaptive System. This is a completely unique set of data-points that cannot be replicated, and ensures all transfers / payments can, and will, always – only – go directly to the intended recipient.

Moreover, to ensure no errors arise in the transmission of ITAN Numbers from one party to another (for the first time), Members are able to use the automated texting and emailing facilities in the “My ITAN” Facility of their WM Accounts. When they use this, they are able to have the WM System automatically send their correct ITAN Numbers and Registered Mobile Numbers to other parties – removing the risk of errors when typing these out or writing them down.

Once a transfer or payment has been made to another WM Member using the ITAN System, that person’s details are automatically saved, and thereafter Members can do one-click selections of recipients for transfers or payments.

Using WM’s ITAN System for payments or transfers with WM’s TUV Digital Currency provides a zero-cost, instant, secure, and worldwide transfer and payments system, 24/7/365, from anywhere to anywhere, with the only requirements being a Mobile Phone (Smart or Pre-Smart). Consequently, a summary of some of the advantages for WM of using its TITAN System for payments or transfers of TUV Digital Currency include the following:

• It is Zero cost
• It places the Sender (or Receiver) in control of FX conversion
• There is no need to carry out FX conversions because all WM Members have multicurrency accounts
• It enables PP2P Instant Payment, Clearing and Settlement, 24/7/365, from anywhere to anywhere
• All Transactions are completed in 1/100^th of a second, and funds (“Stored Credit”) do not “disappear” for days.
• It Functions “after hours”, over weekends and over holidays.
• It removes the risk of fraud / counterfeiting / chargeback / money laundering.
• It is one Global System with the unitary ITAN System, unitary standards and security, and no intermediaries
• All Transaction reporting and documentation are instantly available in the Sender’s and Receiver’s “History” Facility
• Complete and instant Transaction reporting and documentation are sent to both Sender and Recipient by Email
• The Sender and Receiver can elect to be instantly informed of Transfer / Payment by Text message.
• A 30-layer security system to protect funds (“Stored Credit”) and transfers 24/7/365

It is also the TITAN System – together with free Multicurrency Accounts and zero cost TUV Digital Currency – that enables the Inclusion of the 2 Billion unbanked persons worldwide into the 21^st Century digital economy.

The use of WM’s global TITAN System in combination with its TUV Digital Currency provides a lower cost (zero cost),more rapid (instant), more secure, and more convenient payment and transfer service to any other entity currently functioning.

It enables people to enjoy the security of their funds (“Stored Credit”) always being safe, that their transfers for Payment or Receipt will be instant, and that they will – after the transaction – have saved a great deal of money.

This was one of the founding principles of WM. To empower people to take more control of their own financial affairs, and to assist them retaining more of their own funds for themselves and their families – instead of using them to cover the cost of multi-layers of nonessential intermediaries.

Resources:

Media Contact:
Nick Lambert: wm@thoburns.com

Bangladesh Bank Heist:
https://en.wikipedia.org/wiki/Bangladesh_Bank_robbery

Video on the Capacities of the WM System:
https://youtu.be/XYBrCikUhn8

Details of WM’s “TITAN” System: (see the Table of Contents)
https://webtel.mobi/media/info/telmobi-group-vsmp-handbook.pdf

Characteristics of WM’s TUV Digital Currency:
https://webtel.mobi/info/tuv-characteristics/

WM’s “Smart TUV” Digital Currency:
https://webtel.mobi/info/my-smart-tuvs/

WM’s Secured TUV Digital Currency:
https://webtel.mobi/info/my-secured-tuvs/

Research Reports on the Capacities of the WM System:
https://tinyurl.com/TUVresearch

WM’s urls:
https://webtel.mobi/pc (Tablets / Laptops / Desktops)
https://webtel.mobi (Smart Phones)
https://webtel.mobi/wap (Pre-Smart Mobile Phones)

A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/fd9958b5-bd93-4863-accd-893e14ddb572

The photo is also available at Newscom, www.newscom.com, and via AP PhotoExpress.

October 15, 2021

• Solution offers high quality imaging with multi-site, multi-disciplinary interoperability, artificial intelligence and Laboratory Information System integration, enhancing diagnostic confidence
• Scalable image management system caters to the needs of all levels of pathology imaging

Amsterdam, the Netherlands – Royal Philips (NYSE: PHG, AEX: PHIA), a global leader in health technology, today announced the launch of its next-generation digital pathology solution, moving digital pathology into the heart of enterprise-wide healthcare informatics. Philips Digital Pathology Suite – IntelliSite – features a comprehensive, scalable suite of software tools and capabilities designed to help streamline workflows, enhance diagnostic confidence, facilitate team collaboration, integrate artificial intelligence (AI) and increase the efficiency of pathology labs.

Philips Digital Pathology Suite offers a range of solutions designed for different use cases with an affordable cost of ownership. From low-volume ‘spoke’ labs or small independent labs, where small batches of slides are continually processed and scanned, to medium and large labs operating high-volume batch processing workflows. The hardware is also pre-equipped for multi-layer slide scanning. Images are captured in a centralized informatics platform that has been optimized around pathologists’ workflows, integrating with leading third-party AI tools and algorithms with the aim to further reduce laboratory costs and enhance diagnostic capabilities.

“Integrated diagnostic capabilities are a cornerstone to a precise diagnosis and personalized care pathway selection for oncology patients and only when data and specialties work together in harmony can the ultimate promise of care be realized,” said Louis Culot, General Manager Oncology Informatics at Philips. “That’s why bringing together multiple pieces of the healthcare continuum – like radiology, pathology, and genomics – is the key to a new paradigm of diagnostic precision. By providing pathologists the interoperability and connectivity to share high-quality images and diagnostic insights across networks, Philips Digital Pathology Suite positions them as key stakeholders in the data-driven healthcare systems of the future.”

Digital Pathology Suite includes a range of three pathology slide scanners, as well as Pathology Workspace – Image Management System – a comprehensive set of software tools and capabilities that encompass every stage of the digital pathology process, including an advanced image management system, bidirectional interoperability into laboratory information systems, and a case viewer that facilitates multidisciplinary case reviews and care pathway selection. Diagnostic confidence is enhanced by superb image quality and advanced algorithms, such as automatic tissue shape detection and non-rectangular optimization of regions of interest. Vendor-agnostic data interoperability also allows the easy sharing of patient-centric histology data across enterprises and between sites.

“MEDIPATH is focused on accelerating the path of augmented pathology by slide digitalization on all our technical platforms. We are very excited to leverage the new Philips Digital Pathology Suite, including the Pathology Scanner SG300 and Pathology Workspace with de-identification tools, for each of our sites,” said Stephane Rossat, Director for innovation, science and project management at MEDIPATH, a French Pathology group with a network of 11 technical labs. “Following the first days of installation, the solution is already proving easy to use, with images generated more quickly, while the quality and sharpness of the images produced is experienced to be superior. The Philips Digital Pathology Suite is the solution that our organization needs to expand our digital pathology capabilities and activate our transformation [1].”

Integrated intelligence and automation across smart diagnostic systems
Precision medicine has increased the volume and complexity of workloads, with pathology labs worldwide facing a shortage of skilled staff. Within the diagnosis and staging of cancer, pathology information is combined with data from multiple disciplines, including radiology, pathology and genomics, to deliver the diagnostic precision required for highly personalized care. There is an urgent need for solutions that combine operational efficiency, team-working, expertise sharing, and enterprise-wide informatics to make the most of a pathology lab’s human resources.

Through breakthrough innovations and partnerships, Philips integrates intelligence and automation into its Precision Diagnosis portfolio, including smart diagnostic systems, integrated workflow solutions with the aim to transform departmental operations, advanced informatics that enhance diagnostic confidence, and care pathway solutions that allow medical professionals to tailor treatment to individual patients. By developing and integrating AI-enabled applications, the company aims to enhance the ability to turn data into actionable insights and drive the right care in the right sequence at the right time.

Philips Digital Pathology Suite is being showcased at the Pathology Visions 2021 event (October 17-19, Las Vegas, USA). Follow @PhilipsLiveFrom for updates on Philips participation at the event, and visit Philips Digital Pathology for more information.

[1] Results of customer testimonies are not predictive of results in other cases. Results in other cases may vary.

For further information, please contact:

Mark Groves
Philips Global Press Office
Tel.: +31 631 639 916
E-mail: mark.groves@philips.com

About Royal Philips

Royal Philips (NYSE: PHG, AEX: PHIA) is a leading health technology company focused on improving people’s health and well-being, and enabling better outcomes across the health continuum – from healthy living and prevention, to diagnosis, treatment and home care. Philips leverages advanced technology and deep clinical and consumer insights to deliver integrated solutions. Headquartered in the Netherlands, the company is a leader in diagnostic imaging, image-guided therapy, patient monitoring and health informatics, as well as in consumer health and home care. Philips generated 2020 sales of EUR 17.3 billion and employs approximately 77,000 employees with sales and services in more than 100 countries. News about Philips can be found at www.philips.com/newscenter.

Attachments

• Philips Digital Pathology Suite
• Philips Pathology Scanner

AP Content Services, the content marketing and advertising arm of The Associated Press, today announced that it will expand its services for clients in Asia.

TOKYO, Oct. 14, 2021 (GLOBE NEWSWIRE) — AP Content Services works with brands and advertisers worldwide to create and distribute authentic, impactful and informative content in video, text and photos through the AP distribution network.

Clients can distribute paid-for content on the AP wire, APNews.com and the AP News app and AP Content Services-created content via AP-branded social media accounts.

AP Content Services is separate from the editorial operations of the AP newsroom and the content created does not involve AP editorial staff.

“We are pleased to expand our AP Content Services offerings for our clients in Asia,” said AP Content Services Asia Sales Manager Chie Tsuda, based in Tokyo. “Our Asia clients can reach audiences all over the world through AP’s vast distribution network.”

Tsuda oversees AP Content Services. A 13-year veteran of AP, she has led several projects in Japan including:

• Custom videos highlighting Osaka prior to the 2019 G20 Osaka Summit, including an introduction to Osaka, a focused spotlight on business in the region and a dive into iPS cell research conducted at Kyoto University.
• Custom video, native advertising and social media posts spotlighting karate, historic landmarks and regional iconography to promote the Okinawa Convention and Visitors Bureau to international audiences.

About AP

The Associated Press is an independent global news organization dedicated to factual reporting. Founded in 1846, AP today remains the most trusted source of fast, accurate, unbiased news in all formats and the essential provider of the technology and services vital to the news business. More than half the world’s population sees AP journalism every day. Online: www.ap.org

Contact

Patrick Maks
Media Relations Manager
The Associated Press
+1-212-621-7536
pmaks@ap.org

A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/7abce19f-e484-41b6-b24c-78dcd1007637

The photo is also available at Newscom, www.newscom.com, and via AP PhotoExpress.

Major Arts Institutions Come Together in Support as Giant ‘Break in Case of Arts Emergency’ Boxes Appear Across the UK to Highlight the Growing Arts Crisis for Young People and UK Culture

Class, ethnicity and disability are still major barriers to young people gaining entry to the creative industries, and the pandemic has heightened gaping inequalities in the creative pipeline. Given the last year, the term “Arts Emergency” has never been more true, nor more urgent:

• Just 16% of people in the Creative industries are from a working-class background¹
• Only 4.8% of people working in music, the visual & performing arts are Black, Asian or from a minority ethnic background² and just 12% of those are from a working-class background³
• 40% of people working in media attended private school⁴
• 2.7% of people working in museums, galleries and libraries are Black, Asian or from a minority ethnic background⁵
• 16% of people in film and TV come from working-class backgrounds⁶, and only 9% of those in film, radio and TV are Black, Asian or from a minority ethnic background⁷

“We have a responsibility to call out the lack of representation within the cultural and creative industries and to help level the playing field for people in the UK.” – Yomi Adegoke, Slay in Your Lane

LONDON, Oct. 14, 2021 (GLOBE NEWSWIRE) — Celebrities, Arts organisations, creative companies and universities around the UK have today joined forces as part of a campaign that calls on those working in culture to help open the doors for marginalised young people struggling to break into the Arts.

Celebrities including Jack Dee, Katy Brand, Michael Sheen, Neil Gaiman, Jenny Eclair and Chris Addison have joined an the #BreakTheGlass online campaign calling on those working in culture to help open the doors for marginalised young people struggling to break into the Arts.

The comedians and actors were amongst hundreds of those sharing the names of the people who helped them to make their breakthrough and encourages their followers to sign up to share their time or donate to Arts Emergency, the award-winning mentoring charity and support Network, and open the door to young Talent – just £10 a month can support a young person’s place on the scheme from 16 to 25 years of age.

A giant ‘Break in Case of Arts Emergency’ box featuring devastating statistics on the state of the UK creative workforce was placed outside venues around the UK to raise awareness of the barriers that young people face in joining the Arts, and the disastrous impact losing a generation of young talent will have on UK culture.

This campaign was created by Arts Emergency, the award-winning mentoring charity and support Network. The box also displays examples of creative work from Arts Emergency’s young people, Jannell Adufo, Maïs Bouteldja, Helen Hale, Gwent Odai and Sam Oddie, showcasing some of the incredible raw talents which are at risk of being excluded from the arts. The accompanying text calls for viewers to help ‘break the glass’ by joining the Network.

The box launched at the Museum of London, where the young people unveiled their work before arriving at its new home in Liverpool at the World Museum in time for National Museums Liverpool’s official 2022 launch event.

Organisations lending their support to the campaign include The BFI (British Film Institute), University of the Arts London, ATC Management and ATC Live, the Eden Project, Framestore and Company 3, Get Up, Stand Up – The Bob Marley Musical, Avalon and The Agency, Rankin, Whitworth Gallery, FACT Liverpool, Ian Pons Jewell, Vertigo Releasing, Powster, DawBell, TAKEOFF, Sarah Wigglesworth Associates, Strawberries and Creem and FCB Inferno. The activation is also being supported and shared by Linkedin.

Several of the organisations that have signed up to support are also opening their doors in practical ways to the young people Arts Emergency work with. These include promoting the charity’s action sheet on supporting young people and good working practices, virtual open days to understand the various roles available in advertising plus three paid summer internships with FCB Inferno, artist workshops to showcase the music ecosystem and range of behind-the-scenes roles available from ATC Management and ATC Live, and four paid traineeships with ‘Get Up, Stand Up! The Bob Marley Musical’. Avalon and the Agency offer mentorship opportunities, three paid internships each year and actively recruit for full-time staff from the charity.

“Our future cultural landscape is in danger of being populated exclusively by the children of the wealthy and well-connected. I love Arts Emergency because it works to bridge this gap. To create the opportunities that have been taken away for the non-wealthy.” – Julie Hesmondhalgh, actress: Coronation Street, Happy Valley, Broadchurch

Arts Emergency began life as a small mentoring project in Hackney set up by comedian Josie Long and activist Neil Griffiths to help young people affected by austerity and rising tuition fees. Arts Emergency has since grown into a charity with bases across the UK and a community of thousands of volunteers, supporting young people aged 16-25 in most need of the support of a mentor. This includes young people from working-class backgrounds, disabled people, carers and young parents, refugees and asylum seekers, those in care and care leavers, people with learning disabilities or special educational needs, and people from Black, Asian or minority ethnic backgrounds.

The charity relies on individual donations and those already in the arts and humanities opening their networks and knowledge up to young people. Arts Emergency is now at a crucial turning point, and with increasing demand for its services, the organisation has set out a new vision to support 2,500 young people nationally by 2025.

The odds of getting into a creative job are significantly lower if you are Black, Asian or from a minority ethnic background, from a working-class background, female, disabled or living outside of London and the South East. In fact, people from privileged backgrounds are four times more likely to land in a creative occupation, and the likelihood of someone from a working-class background finding work in a creative career has remained largely unchanged since 1980.⁸

In September, the All-Party Parliamentary Group (APPG) for Creative Diversity review showed that the creative economy is losing out by not representing the huge range of diverse talent that exists in the UK, particularly in senior decision-making roles and key creative professions. Arts Emergency exists to level the playing field and is calling on people who work in the creative industries to open the doors of their network for a new wave of cultural creators. The statistics shown in the campaign aren’t just a problem for underrepresented talent trying to get into the arts. It’s a problem for our culture as a whole.

The campaign was created pro bono by creative agency FCB Inferno, the agency behind work such as Sport England’s ‘This Girl Can’ and the Premier League’s ‘No Room for Racism’. The launch campaign includes press ads and a series of short social documentaries to support the launch, with creative industry names including poet Raymond Antrobus and artist Mark Leckey sharing how they broke into their profession, exploring their struggles along the way and encouraging audiences to help more young people find their way into the arts. The organisation’s youth collective is also launching a podcast, Crash Culture, in which they interview people, including writer Kit de Waal and researcher/activist Rianna Walcott about social justice and the cultural industries.

“We need to actively remove elitism and nepotism in our creative industries, and instead create diversity in race, gender, class and age. This isn’t needed just for fairness, but because it makes the work we create significantly better. At RANKIN, we say that we want to change the world, and it’s projects like Arts Emergency that really will change the creative one.” – Rankin

Katy Wright, Managing Director at FCB Inferno said: “Having worked alongside Arts Emergency for the past four years, we’ve seen first-hand the impact of their mentoring and support for marginalised young people most affected by rising tuition fees and cuts to the arts. For these young people to follow their passions and navigate their way into the creative and cultural sectors is a tough road. And for many, it seems impossible to follow. But if someone can open the door and show them the way in, it could mean a breakthrough that changes their lives forever.”

Neil Griffiths, Founder of Arts Emergency said: “No matter what you’ve achieved, someone at some time gave you a leg up, and Arts Emergency is thousands of people from across the cultural and creative industries doing just that for the next generation by donating money, time and contacts to help them get in and get on.”

https://arts-emergency.org

Notes to Editors

The National Gallery is not affiliated with the activation and has been chosen to act as a globally recognisable symbol of the UK arts industry.

Quotes from our supporters can be found here:
Supporter quotes
Young Talent art and bios

ABOUT ARTS EMERGENCY

Arts Emergency is an award-winning charity founded by comedian Josie Long and activist Neil Griffiths. Since 2013 they have provided expert mentors, guidance and opportunities to support underrepresented young people into higher education and creative careers.

Arts Emergency helps young people without connections follow their passions and navigate their way into the creative and cultural sectors. The charity provides 16-25-year-olds with a combined long-term programme of mentorship, networking and real-world opportunities. Young Talent only need to ask and they can deliver. Whether it’s a paid internship, CV advice or audition coaching, our volunteers will step up to help. Their support Network is made up of over 7,000 cultural professionals who’ve offered to share crucial gateways into hard to crack industries like TV, publishing and architecture.

Arts Emergency supports young people aged 16-25 who most need the support of a mentor. This includes those from working-class backgrounds, disabled people, carers and young parents, refugees and asylum seekers, those in care and care leavers, people with learning disabilities or special educational needs, and people from Black, Asian or ethnic minority backgrounds.

Network members bring a wealth of experience across the fields of TV, film, music, art, fashion, academia, journalism, publishing, design, and theatre. High profile supporters include fashion historian and BBC presenter Amber Butchart, comedian and actor Julie Hesmondhalgh, author and journalist Reni Eddo-Lodge, musician Kae Tempest, writer Neil Gaiman and comedians Nish Kumar, Stewart Lee and Sara Pascoe.

https://arts-emergency.org

FCB INFERNO

FCB Inferno, based in London, is one of the world’s leading creative agencies and works with a diverse mix of both local and global clients.

We create ideas that drive business today and build brands of tomorrow. Ideas that endure and are Never Finished. The work we do is both highly commercial and purpose-driven for some of the world’s most iconic brands, including creating the acclaimed ‘This Girl Can’ campaign for Sport England.

Our creativity and effectiveness have been recognised at numerous global award shows for solving clients’ business problems in innovative ways. This includes multiple Grands Prix at Cannes, D&AD White and Yellow pencils and even a BAFTA nomination.

We are part of the FCB Network with over 8000 employees across 80 countries. FCB was named Global Agency Network of the Year by Adweek 2020 and Network of The Year at the Cannes International Festival of Creativity in 2021. We were also awarded the inaugural One Show Fusion Pencil for diversity and inclusion, the Good Report’s #1 campaign and Network, and a Grand Prix in e-commerce at Cannes – and we’re just getting started.

Contact:
CC Clark
cc.clark@fcbinferno.com

A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/8b151a3d-e977-4a90-8353-a13e23b833d1

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¹ https://www.pec.ac.uk/assets/publications/PEC-report-class-in-the-creative-industries-FINAL.pdf
²https://createlondon.org/wp-content/uploads/2018/04/Panic-Social-Class-Taste-and-Inequalities-in-the-Creative-Industries1.pdf
³ https://www.pec.ac.uk/assets/publications/PEC-report-class-in-the-creative-industries-FINAL.pdf
⁴ https://www.suttontrust.com/our-research/elitistt-britain-2019
⁵https://createlondon.org/wp-content/uploads/2018/04/Panic-Social-Class-Taste-and-Inequalities-in-the-Creative-Industries1.pdf
⁶ https://www.pec.ac.uk/assets/publications/PEC-report-class-in-the-creative-industries-FINAL.pdf
⁷ Orian Brook, Dave O’Brien and Mark Taylor, Culture is bad for you. Inequality in the cultural and creative industries, 2020. (p.61)
⁸ https://osf.io/preprints/socarxiv/7njy3/ & https://createlondon.org/wp-content/uploads/2018/04/Panic-Social-Class-Taste-and-Inequalities-in-the-Creative-Industries1.pdf