James J. McCombie | Saturday, 8th February, 2020 | More on: PCA After the Conservative victory in the December 2019 General Election, business confidence, as measured by a Deloitte survey, rose to its highest level in 11 years.Brexit has happened, and businesses now have a more certain future to plan for and are expected to increase investment. The government plans to spend billions on the UK’s regions outside London and the South East.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…A better economic mood and more spending should see job creation and increased demand for residential and commercial properties in the regions.Regional powerhouseI believe shares in Palace Capital (LSE: PCA), a property investment company, will do well in such a scenario. Its portfolio of residential, commercial, and leisure properties are located mainly in the North, Midlands, and South West of England.In August 2019, Palace converted to a real estate investment trust (REIT). REITs invest in properties and trade on public markets. Property income earned by a REIT is exempt from corporation tax, so long as they distribute 90% or more of that income as dividends and adhere to other conditions.Shareholders in Palace, therefore, receive chunky dividends, and they receive them quarterly. Holding Palace in an ISA would mean the trailing 12-month dividend yield of 5.8% is tax-free.Palace earned £19m in property income over the year that ended on 30 September 2019. At the start of that year, the market value of the property portfolio was £260m. Divide property income by property value and you arrive at a capitalisation rate of 7.31%.Solid foundationsThe capitalisation rate at Palace looks good compared to other REITs. Comparing the cap rate with the company’s weighted average interest rate of 3.2% suggests that the company earns a considerable excess return over the cost of financing its property investments.A £100,000 property bought with a £34,000 deposit and a £66,000 mortgage, would have a loan-to-value ratio (LTV) of 34%, which is what Palace reports. High LTVs are concerning when interest rates rise. Palace’s LTV is above average for REITs in general, but not worryingly so.Even if interest rates do rise, Palace converts a chunk of its variable rate borrowings into fixed-rate ones with instruments called interest rate swaps. It also, as mentioned earlier, has a good deal of spread between its cap rate and its average interest rate, to absorb modest rate increases.Permanent structureIf a company gets liquidated, creditors get the first claim on assets. Once they get paid off through asset sales, what is left over, the net asset value (NAV), goes to the shareholders. Palace reports its NAV as 391p per share. Shares in Palace are trading around 330p at the moment, and an investor can, therefore, pick up £1 of assets for a little over 80p, assuming the reported NAV is correct.Palace shares do look like a bargain, but there are risks. Failing to negotiate a trade deal with the EU would rock business confidence. Regional investment may not work, or not be as big as suggested. I would be looking at whether both phases of the HS2 rail link get approval or not. Approving these would show a real commitment to regional economies.Nevertheless, there is a defensible long-term investment case for Palace. There is also a margin of safety with the share price being below the reported NAV per share. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! “This Stock Could Be Like Buying Amazon in 1997” Image source: Getty Images. James J. McCombie has no position in any of the shares mentioned. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Simply click below to discover how you can take advantage of this. I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Shares in Palace Capital could do well in 2020 and beyond with a conservative Brexit I would like to receive emails from you about product information and offers from The Fool and its business partners. 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“I BELIEVE in the players, I believe in the coaches and I believe in what we’re doing. But this hurts.” England coach Stuart LancasterThe rain that greased the playing surface had long cleared by the final whistle of England‘s 31-28 reverse to South Africa. Still, Lancaster exited Twickenham into the November night under a dark cloud of frustration and angst.Stung but stoic: Stuart Lancaster says he will not panicRegardless of opposition and a sizeable injury list, five Test losses in succession is a grim place to be. Although Lancaster argued that there were some encouraging signs, namely a second-half resurgence and bright displays from a few young replacements, this was arguably just as galling as the 30-3 Cardiff capitulation in March 2013.In the wake of a three-point defeat to the second best side on the planet that might seem overly damning. However, the disappointment comes because of England’s desired destination. They want to win the World Cup and have the potential to get very close. But elementary errors are causing matches to slip away.Lancaster’s win rate has slipped to 56%. For reference, both Martin Johnson and Brian Ashton left the post on 55. The former school teacher has said he will not panic, and composure is exactly what is required. While everything is easier is hindsight, the biggest annoyance will be that it is fairly straightforward to pinpoint where England are lapsing. Here are five moments that helped clinch a Springbok victory…England 0-0 South Africa, 9mins: Farrell runs into troubleBefore going any further, it should be said that Owen Farrell is an exacting competitor who will need no reminding of where he could have been better this weekend. On the contrary, the young Saracen will take full responsibility for his shortcomings, most of which are down to a glaring lack of game time this season.This situation comes about initially from a selfless chase from Jan Serfontein and kicker JP Pietersen. They box in Farrell, who initially does well to free himself with a dummy to Mike Brown. Then the problems start. Rather than clearing on the run, he drops off to Anthony Watson and the Bath wing is enveloped by Springbok forwards on his maiden carry.Looking closely at the contact area, we can see how South Africa affect the turnover:Marcell Coetzee and Tendai Mtawarira are close by and can accelerate on the same path to add weight to the ruck, while England’s forwards must track back behind the hind foot, making it tough to drive past the ball. The visitors win possession and Chris Robshaw, desperate to rescue the situation, is over eager and goes offside:Referee Steve Walsh gets the call from his touchjudge and it is the right one, allowing Pat Lambie to make it 3-0 to South Africa:England 0-10 South Africa, 23mins: Attwood passes too lateWhere the first pass Watson received sent him down a cul-de-sac, here he has a huge expanse of space but it is ignored. As we have seen over his short career, the 20-year-old possesses electric pace. It should be a priority to free him at every opportunity. Dave Attwood, a Bath team-mate, should know this all too well. The reverse angle highlights things:This is a basic awareness error that blows a try and maintains England’s worrying habit of failing to be clinical. June’s All Blacks series was littered with examples. Freezing the instant Attwood outstrips Duane Vermeulen, you see how a five-metre pass will put Watson in:Instead, Attwood holds on, only releasing an offload out of Bryan Habana‘s tackle. By that point, the Springbok scramble defence has rushed back to cover. The chance is gone: England 20-20 South Africa, 52mins: Schalk swings pendulumThe key point, perhaps in the entire match, actually occurs just prior to this. Surging on the back of two second-half scores for David Wilson and Ben Morgan, England were rampant. With two minutes left on Victor Matfield’s sin-bin, Tom Wood burst upfield and linked up with Danny Care. Only Willie le Roux stood in the way of a try that would have snatched the lead and sent Twickenham into raptures.As it was, le Roux managed to make a desperate tackle and South Africa eked out a penalty at the breakdown – an area in which they excelled all afternoon. They kicked for touch, forced another infringement and repeated. Without their lineout general, Eben Etzebeth stepped up as organiser and the pack executed with brutal efficiency to fire Schalk Burger over. As Care admitted afterwards, the hosts were hugely deflated.England 20-25 South Africa, 60mins: Hartley’s yellow cardHow about this for a mischievous, irrelevant but totally true statistic: South Africa have now been refereed by Steve Walsh in 18 Test matches. They have lost only one of them. This decision was undoubtedly pivotal, both given the state of the game and Dylan Hartley‘s importance as one of Robshaw‘s trusted lieutenants. In truth, the call is a contentious one and is made even murkier with a closer look at the contact made on Veremeulen:Is the ‘stamp’ definitely on purpose? Many advocates of old school self-policing would say Vermeulen has earned some stud marks for obstructing the maul in any case. A slap is indicative of Hartley’s frustration with what he perceives to be an act of gamesmanship in slowing England’s progress.One thing Walsh made absolutely clear, communicating during and after the incident, is that he believed Vermeulen to be ‘sacking’ the jumper, totally legal according to the laws:Because Walsh is trying to clarify the matter by barking his interpretation to the players, it could be argued that the incident is more avoidable. Whether it was clumsy or callous – and I personally suspect the former – it cost England dear.England 23-28 South Africa, 71mins: Late chance elapsesAs if to re-emphasise the last point, England’s introduction of Rob Webber stunted their progress at the lineout somewhat. The driving maul did not function as destructively after Hartley’s departure and there was a stolen set-piece later on too.Although this turnover looks like an elementary loss of control in the tackle area, it actually starts earlier with the lineout. A short throw concentrates England’s forwards around the five-metre line.Burger’s role is subtle but vital for South Africa. He fights through the middle, which both preoccupies the likes of Courtney Lawes and persuades Ben Youngs to release the pass:As Coetzee prepares to race into midfield, England’s two most free forwards are Wood and Wilson, who must detach themselves from the maul before setting off in support. By the time Brad Barritt has challenged the gain-line, the attacking side is understaffed and Youngs must hit the ruck to get rid of Coetzee:Watson shows a tiny bit of inexperience by joining the breakdown as well, forgetting the unprotected ball. Conversely, demonstrating the know-how of a 100-cap veteran, Habana scoops up and averts the danger.In games against both New Zealand and South Africa so far this autumn, England have now scored points on six out of 19 visits to the opposition 22. They know that is not good enough. Saturday’s 31-28 defeat by South Africa was England’s fifth consecutive Test loss. We analyse five moments in which the game slipped away from the hosts LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS International rugby at the summit is about details. Lancaster’s men need to start getting more of them right if they have any aspirations of lifting the World Cup.To read RW’s verdict on England’s midfield problem, check out the December issue of Rugby World – in shops now! Visit po.st/RWSub for all the latest Rugby World subscription deals, or find out how to download the digital edition of the magazine at po.st/RWDig.
Howard Lake | 29 May 2002 | News The Go Yellow campaign will raise funds in June for 220 hospices.The UK’s 220 hospices are collaborating to run a month-long fundraising campaign in June. The Go Yellow campaign focuses on the hospice movement’s symbol of a sunflower. Many individual hospices are choosing a particular day of fundraising during the month.Corporate sponsors this year include Asda and the Halifax. Advertisement 10 total views, 1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Hospices to run month-long fundraising campaign AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving.
Home / Daily Dose / OCC: Servicer Report Card Bank of America Citibank HSBC OCC US Bank Wells Fargo 2017-07-13 Joey Pizzolato OCC: Servicer Report Card The Week Ahead: Nearing the Forbearance Exit 2 days ago Demand Propels Home Prices Upward 2 days ago Share Save Previous: Poverty is Growing, Cities Need to Prepare Next: Financials Take a Broad Hit The Best Markets For Residential Property Investors 2 days ago About Author: Joey Pizzolato Related Articles July 13, 2017 1,548 Views Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago The Office of the Comptroller of the Currency released its first quarterly Mortgage Metric Report for 2017 on Thursday, which is a disclosure of first-lien and closed-end mortgage data supplied by seven national banks, including Bank of America, Citibank, HSBC, JPMorgan Chase, PNC, U.S. Bank, and Wells Fargo.Through the end of March, these seven banks serviced around 19.5 million mortgage loans with a cumulative total unpaid principle balance of $3.42 trillion, representing 35 percent of all residential mortgage debt in the country. Mortgage performance improved year-over-year, with performing loans up to 95.6 percent from 94.9 percent.In the realm of foreclosure actions, reporting banks started 47,546 new foreclosures, which is a month-over-month increase of 4.5 percent, but a year-over-year decrease of 19.3 percent. Completed foreclosure sales, short sales, and deeds-in-lieu-of-foreclosure—home forfeiture actions—were also on the decline year-over-year to 28,696, or 25.3 percent.The number of modifications rose to 35,137 (8.7 percent) compared to Q4 of 2016’s total of 32,312. Ninety-four-point-five of those modifications were “combination modifications,” or loans that had multiple actions on them such as an extension or change to the loan’s interest rate. Loans with only one action present numbered 1,823, and the remaining 120 loans did not have a designated modification type.In breaking down combination modifications a majority of the 33,194 loans included capitalization of delinquent interest/fees and an interest rate reduction or freeze—92.0 percent and 82.1 percent respectively. Term extensions were included in 90.5 percent of the reported loans, but only 4.9 percent included a principal reduction, the smallest segment of the group.Of all the modifications, 88.3 percent reduced the loans monthly payment after said modification was applied.According to the report, 12.3 percent of loans reported modified in the first quarter of 2017 were 60 or more days past due, or in the process of foreclosure. Print This Post Joey Pizzolato is the Online Editor of DS News and MReport. He is a graduate of Spalding University, where he holds a holds an MFA in Writing as well as DePaul University, where he received a B.A. in English. His fiction and nonfiction have been published in a variety of print and online journals and magazines. To contact Pizzolato, email [email protected] in Daily Dose, Featured, Foreclosure, Government, Headlines, News, Secondary Market Data Provider Black Knight to Acquire Top of Mind 2 days ago Tagged with: Bank of America Citibank HSBC OCC US Bank Wells Fargo Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Sign up for DS News Daily Subscribe
Man arrested on suspicion of drugs and criminal property offences in Derry Twitter Twitter Facebook HSE warns of ‘widespread cancellations’ of appointments next week It’s understood six people have been killed after a crash involving a bin lorry in Glasgow.Several others are also believed to be injured following what emergency services are describing as a ‘serious incident’ in the city centre.Lauren Gilmore was nearby – and saw the aftermath of the crash:Audio Playerhttp://www.highlandradio.com/wp-content/uploads/2014/12/17gilmore.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. Pinterest WhatsApp Pinterest Dail hears questions over design, funding and operation of Mica redress scheme Google+ Google+ WhatsApp RELATED ARTICLESMORE FROM AUTHOR Six people feared dead in Glasgow after being hit by a bin lorry PSNI and Gardai urged to investigate Adams’ claims he sheltered on-the-run suspect in Donegal By News Highland – December 22, 2014 Facebook News Man arrested in Derry on suspicion of drugs and criminal property offences released Previous articleCase of Co Donegal soldier killed in Lebanon in 1981 to be reviewedNext articleTwo horses saved from drowning in dramatic rescue near Donnyloop chapel News Highland Dail to vote later on extending emergency Covid powers
Saab tech demonstrated in Royal Navy-led IW18 Saab’s 9LV Combat Management System (CMS) and TactiCall Integrated Communication System (ICS) has been successfully used in the Information Warrior 18 (IW18) event, which was led by the Royal Navy and defense industry.The exercise was held at Royal Marine Barracks Stonehouse and British multinational defense technology company QinetiQ’s Portsdown Technology Park in order to drive the future development of warfare capabilities, focusing on the computerized side of modern warfare.“IW18 has more than simply benchmarked current capability to allow for further testing, it has demonstrated available technology to progress the Royal Navy’s Information Warfare vision, through both the development of its own representative open architecture and close participation from industry,” Commodore Ian Annett, Royal Navy, said.“It is encouraging to see major defence contributors such as Saab willing to demonstrate how their CMS and Tactical ICS are able to operate on a government owned open architecture. I am convinced this will help us to continue the development of an Information Advantage and deliver relevant, cost-effective cutting edge warfare capabilities,” Annett added.In particular, as part of the Ministry of Defence’s vision for new open standards across all systems, the Royal Navy aims to implement systems architecture which will be open and upgradable on board its vessels.In line with this vision, 9LV CMS is open and modular, based on modern IT architecture principles, which increases mission capability by enabling flexible and effective operations, according to Saab.9LV was also the only CMS participating in IW18 with the open interface standards needed to handle the simulated environment, with the modular and scalable design meaning hardware and software can be adapted to specific requirements. 9LV is already used by the Australian, Canadian and Swedish navies.The role of TactiCall in IW18 was to address the needs of modern navy operations, which often consist of joint setups and include a multitude of different frequency bands, networks and radio equipment.TactiCall ICS interconnects all communication technologies, reducing effort and risk and increasing tempo.Furthermore, as a modular system, TactiCall integrates with third party equipment protecting prior investments and prolonging the lifespan of existing systems.TactiCall is used by the Norwegian and Australian militaries and has civilian application, including emergency services and the offshore sector. Back to overview,Home naval-today Saab tech demonstrated in Royal Navy-led IW18 View post tag: Royal Navy Share this article Equipment & technology May 4, 2018 View post tag: Saab View post tag: Information Warrior
Twitter New tentative wage contract reached between South Bend and its police Facebook WhatsApp Google+ Facebook Pinterest As part of a new collective bargaining agreement, the City of South Bend reached a tentative wage agreement Thursday with the South Bend Fraternal Order of Police.Mayor James Mueller said it’s important that the city pay its police officers a fair, just and competitive wage in order to become a national leader in 21st Century policing.The agreement is contingent on the Common Council, who have scheduled a vote on the wage at Monday’s meeting.Police Chief Scott Ruszkowski says the new wage contract will help the department attract and retain top-notch police officers. By Tommie Lee – October 22, 2020 0 482 Pinterest Google+ Twitter Previous articleVan Buren County to benefit from new internet grant in MichiganNext articleSaturday is the annual nationwide “Prescription Drug Take Back” Tommie Lee IndianaLocalNewsSouth Bend Market WhatsApp
Searchlight aims to encourage small and medium sized enterprises (SMEs) to work with Dstl, and the first event will focus on Radio Frequency (RF) systems. Specifically, frequency-agile RF hardware, machine learning applied to modern communications standards (including Internet of Things) and novel manufacturing solutions to reduce size, weight, power and/or cost.The free event includes: industry insight by leading experts; how companies can enter the market and work with Dstl; case study success stories; sample technical challenges and workshops. Staff from across various Dstl departments will be available throughout the day to offer technical and commercial guidance. Places are limited and restricted to one person per company. Register at Team Defence InformationSME Searchlight aims to engage with non-traditional defence suppliers and SMEs to meet the needs of a £40 million – £45 million increase in research, in line with the government’s intent to increase external spending with SMEs. Companies benefit in turn from increased funding and being at the cutting-edge of research and technology.Over the next 12 months, events, workshops and consultations run by Dstl will take place in partnership with Aerospace and Defence Suppliers (ADS), the Federation of Small Businesses (FSB), Team Defence Information and TechUK, to bring companies together from across industry sectors. An ambitious target of 60% of suppliers who may never have worked with defence before has been set to attend each of these events, with the aim of bringing these new companies into Dstl’s supply chain.The increase in demand for new research opportunities extends across Dstl, with a number of priority areas identified. In addition to RF these include artificial intelligence, synthetic biology and wargaming.Rob Solly, Division Head for Defence and Security Analysis from Dstl, said: Separately, Dstl is also a sponsor of Venturefest on 29 March at the Ageas Bowl in Southampton, which brings together top talent from the region to demonstrate technologies and innovations, allow start-ups to pitch for investment, and match entrepreneurs with the right organisations to take their businesses to the next level.For more information email us at: [email protected] SMEs possess tremendous ideas and innovation. Dstl has funds available to invest in cutting-edge research, and the commercial and technological clout to accelerate these ideas. Importantly, SMEs retain the Intellectual Property rights to any innovation in most cases, boosting their long-term prosperity as well as that of the UK.
Neural drivers identified in research on mice Parental controls Unraveling the brain’s secrets Harvard researchers among those receiving more than $150 million in funding from the NIH BRAIN Initiative With so many sights, sounds, smells, and other stimuli, the brain is flooded by the moment. How can it sort through the flood of information to decide what is important and what can be relegated to the background?Part of the answer, says Catherine Dulac, the Higgins Professor of Molecular and Cellular Biology, may lie with oxytocin.Though popularly known as the “love hormone,” Dulac and a team of researchers found evidence that oxytocin plays a crucial role in helping the brain process a wide array of social signals. The study is described in a recent paper published in eLife.The study, Dulac said, suggests that oxytocin acts like a modulator in the brain, turning up the volume in certain stimuli while turning it down in others, helping the brain make sense of the barrage of information it receives.In investigating the role of oxytocin in processing social signals, Dulac and colleagues began with an obvious behavior: the preference of male mice to interact with females.“What this study says is, for this particular type of social interaction, oxytocin plays a role … both at the level of the brain and the behavior,” said Dulac. Kris Snibbe/Harvard File PhotoStudies have shown that this behavior isn’t just social. It’s hard-wired into the male mice’s brains.When male mice were exposed to the pheromone signals of females, Dulac and colleagues found, neurons in their medial amygdala showed increased levels of activation. When the same mice were exposed to pheromones of other males, the neurons showed relatively little stimulation.Armed with that data, Dulac and colleagues targeted the gene responsible for producing oxytocin, which is known to be involved in social interactions ranging from infant/parent bonding to monogamy in some rodents.Using genetic tools, researchers switched the gene off and were surprised to find that both males’ preference for interacting with females and the neural signal in the amygdala disappeared.“This is a molecule that’s involved in the processing of social signals,” Dulac said. “We also showed, using pharmacology and genetics, that the effect happens on a moment-to-moment basis.“What we are trying to do is understand the logic of social interactions in one particular species,” she said. “What this study says is, for this particular type of social interaction, oxytocin plays a role, and that role is both at the level of the brain and the behavior.” Expanding the brain Understanding oxytocin — and molecules like it — might shed light on a number of brain disorders.With an understanding of how neurotransmitters work to amplify or quiet stimuli, Dulac said, researchers may gain insight into how to treat everything from depression, which is often characterized by a lack of interest in social interactions, to autism, which is thought to be connected to an inability to sort through social and sensory stimuli.Ultimately, Dulac said, the study offers a glimpse into what could be a larger system of molecules that act as modulators in the brain, turning some stimuli up or down depending on the situation.“There may be many different regulators,” Dulac said. “Oxytocin might be one of a whole realm of modulators, each of which is important in a particular circumstance. That therefore gives the animal a great deal of plasticity in terms of engaging in a particular behavior, so it’s not the case that each time the animal encounters a particular stimulus it will react in exactly the same way. Depending on the state of the brain and the release of these neurotransmitters, the animal can boost its behavior toward the stimulus or ignore it.” Related Research identifies more than 40 new imprinted genes
When it comes to traumatic injuries, it’s a race against time. A person with major hemorrhage can die from blood loss within minutes. Bleeding from the extremities can be slowed with compression but what about internal bleeding? In a hospital, internal bleeding can be controlled with the transfusion of clotting agents, such as platelets, but they require careful storage and refrigeration and can’t be carried by first responders. As a result, the majority of people who succumb to traumatic injuries outside a hospital die from treatable hemorrhages.Now, researchers from the Harvard John A. Paulson School of Engineering and Applied Sciences (SEAS), in collaboration with Massachusetts General Hospital, Beth Israel Deaconess Medical Center, and Case Western Reserve University, report an injectable clotting agent that reduced blood loss by 97 percent in mice models. The freeze-dried agent, which has a physical consistency of cotton candy, can be stored at room temperature for several months and reconstituted in saline before injection.The research is published in Science Advances.“Our goal was to give first responders a tool to stop internal bleeding that could be easily carried in a backpack or stored in an ambulance and, once injected intravenously in hemorrhagic patients, stop internal bleeding for a period long enough to get the patient to a hospital,” said Samir Mitragotri, Hiller Professor of Bioengineering and Hansjorg Wyss Professor of Biologically Inspired Engineering at SEAS and senior author of the study.Mitragotri is also a core faculty member at Harvard’s Wyss Institute for Biologically Inspired Engineering. “Our goal was to give first responders a tool to stop internal bleeding that could be easily carried in a backpack or stored in an ambulance …” — Samir Mitragotri, SEAS Mitragotri and his team developed a polymer-peptide conjugate called HAPPI (Hemostatic Agents via Polymer Peptide Interfusion) that can selectively bind to damaged blood vessels and activated platelets at the bleeding site. Circulating platelets are like the body’s EMTs — they are constantly surveying the body for wounds. When there is an injury to a blood vessel, the platelets get activated and attach themselves to the damaged vessel, causing a blood clot.HAPPI binds to these activated platelets and enhances their accumulation at a bleeding site. It can be injected anywhere in the body and still make its way to the wound.In mice models, HAPPI significantly lowered the bleeding time and bleeding volume of injuries. The researchers observed about a 99 percent reduction in bleeding time and a 97 percent reduction in blood loss. The researchers also found that for traumatic injuries, the injection of HAPPI increased the median survival rate beyond one hour — a critical goal for trauma care.“A lot of trauma-related deaths happen within the first hour when blood loss is happening profusely and there is no intervention,” said Yongsheng Gao, a postdoctoral research associate at SEAS and the co-first author of the paper. “A key objective for first responders is to keep trauma patients alive during this so-called golden hour and in that time bring them to a hospital because once they get to the hospital, it’s a different game altogether.”“With HAPPI, we sought to develop a safe and effective internal bandage,” said Apoorva Sarode, a former graduate student at SEAS and the co-first author of the study. “We think that the simple design and scalable synthesis process of HAPPI will facilitate its seamless scale-up and translation to larger animal models, and eventually to the patients.”Funding from Harvard’s Blavatnik Biomedical Accelerator enabled the lab to advance and validate the technology in animal models. Going forward, the team aims to scale up the production of the materials and test it in larger animal models.Harvard’s Office of Technology Development has protected the intellectual property associated with this project and is exploring commercialization opportunities.The paper was co-authored by Anvay Ukidve and Zongmin Zhao from Harvard SEAS, Shihui Guo and Robert Flaumenhaft from Beth Israel Deaconess Medical Center, Anirban Sen Gupta from Case Western Reserve University, and Nikolaos Kokoroskos and Noelle Saillant from Massachusetts General Hospital. The research was supported by the National Institutes of Health under grant R01HL129179.