AddThis Sharing ButtonsShare to LinkedInLinkedInShare to FacebookFacebookShare to TwitterTwitter Automating casino Casino & games 14th August 2018 | By Hannah Gannage-Stewart Email Address A little over 18 months since he left his role as PokerStars’ casino MD, like so many Stars’ alumni, Sam Hobcraft has embarked on his own millennial-facing ventureUnveiling Omnia in late July, Hobcraft told iGaming Business that having done his time at major brands; Ladbrokes, Betfair and PokerStars, the cost of technology had fallen enough for him to set up his own venture.“The advantage of tech developments in the last few years is that it allows cost-efficient cloud based storage at such a level that the massive amount of data required to operate an AI-based platform can be stored and leveraged,” he says.Omnia’s USP is that it uses AI technology to, in Hobcraft’s words, create a “Netflix-like” personalisation experience for users.“The millennial generation is more demanding than traditional players. For a long time the casino gaming industry has been able to do mediocre stuff because there wasn’t much choice but now users can get more games. They can play social games like Candy Crush for example,” he explains. “It’s about capturing people’s time rather than just their wallet”.The AI-technology driving Omnia is currently developed out of house, but Hobcraft says this may change as the technology, and the know-how behind it, becomes more affordable.“We’re not 100% AI from day one. It’s a new area so we’re trying to lead the way in this. Once people come onto the site, we’re using the AI to give them the right product recommendations and continue learning about them and what games their playing. The product piece is very automated,” he says.“Then the next stage gets a bit deeper in terms of automating the promotions and CRM, understanding customer experience and churn”. The product will also use AI to identify the best time to bonus and what the rewards should be.Needless to say, AI plays a critical role in identifying at-risk players. “We need to build a trust relationship with our customers, so what we’re doing is starting with the mindset that this is at the core of our business. How can we go that slight extra mile, how can we make the experience around responsible gaming as engaging?”Over time, Hobcraft also expects the investment he’s making in AI now to lower overheads through better automation.“We’ll have less staff and we’ll look to have chatbots to reduce customer service overheads. That will then allow us to go into markets where taxes are a bit higher or, in the longer term, to do some M&A,” he says. He estimates that ultimately AI could strip 30% of costs out of the business. Hobcraft describes Omnia as “a technology business first”, and a gaming business second. “We’ve always tried to think about how we do things differently. What’s the Silicon Valley approach?” he says.Half his 10-strong team is from outside of the gaming industry, which he says was a deliberate decision to bring in alternative knowledge and perspectives.Among a panel of investors are several from outside the industry including; Douglas Barrowman, chairman of private equity firm Knox Group, and YYX Capital’s James Cox, who founded the Simba mattress brand.Cox, whose investment house specialises in ecommerce and consumer internet businesses, has been particularly active in Omnia’s marketing strategy, according to Hobcraft.“The influencer marketing piece is a large part of what we’re doing. It’s just learning from these guys and understanding best practices from other sectors,” he says.Hobcraft’s vision for the fledgling casino is for it to be in 3.5% of regulated markets within five years.So far the casino has launched in the UK in March, following a soft launch the previous month, and went live in Sweden in June. Omnia’s white-label partner IGC has also applied for a licence, which is currently being processed. Sam Hobcraft outlines the vision behind millennial-facing casino Omnia Tags: Online Gambling Regions: Europe UK & Ireland Nordics Sweden Subscribe to the iGaming newsletter Topics: Casino & games Marketing & affiliates Tech & innovation
Formula 1 WTC Final Live: Kyle Jamieson continues fine Test form, rattles India’s middle-order with venomous swing Queens Club Final: Matteo Berrettini vs Cameron Norrie, Head-to-Head, LIVE streaming; all you need to know by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May Likecio.comUnlocking the Success of Digital Transformation with Active Intelligencecio.comCapital One ShoppingThis hack can uncover JOANN discounts you don’t know aboutCapital One Shopping24/7 SportsIt’s Amazing To See How These NBA Stars Have Changed Since College24/7 SportsHowever, the man with 93 tour-level titles is not complacent even while heading for an exhibition game. He wants his multi-billionaire partner to get stronger, faster and smarter, ATP World Tour has reported.“Well, maybe not smarter,” Federer said – and better dressed. “You’ll train like I do,” Federer told Gates.The partner in the noble cause, a philanthropist and humanitarian readily obliged. “Whatever it takes, Roger,” said Gates.Gates did get down to the “Get Better” campaign with Federer. The Microsoft founder lunged hundreds of pounds, lifted tires, did a number of sit-ups that Federer couldn’t keep count while training Gates.But by the end of their training session, Gates is ready for “Match For Africa 5” in the first week of March. “Roger and I are 1-0 as a doubles pair after last year’s event, so I’m hoping we can keep the streak alive while raising money for an important cause,” Gates is reported as saying by the atpworldtour.com.“Roger might have a few more Grand Slam titles than I do, but we share a belief that all children deserve a world-class education. His Match for Africa events are a fun way to help make that happen.”“I believe in the power of people. We know that a good education is a decisive factor to empower children by allowing them to take their future into their own hands… With my foundation, we want to provide one million children with the opportunity for a quality education by the end of 2018. The Match for Africa 5 in San Jose will help us reach our ambitious goals. I am very grateful for this opportunity to collaborate with Bill Gates, who in my opinion is the world’s leading philanthropist” added Federer, who on Sunday set a record for highest prize money earnings in Tennis with his Australian Open triumph for the 20th Grand Slam title in a career spanning two decades.Federer and Gates will play a friendly one-set doubles match against NBC News’ TODAY co-anchor Savannah Guthrie and World No. 8 Jack Sock of the USA. Federer and Sock will then play a best-of-three sets match.This is the fifth Match for Africa event for the Roger Federer Foundation, which has given $36 million to support children’s education in six African countries and Federer’s native Switzerland. An estimated 850,000 children across 18 programs have so far benefited from the foundation’s giving, which emphasizes systemic change and sustainable impact.The Swiss tennis icon has already raised $40 million by playing exhibition games for charity to support the cause of education in Africa. Sport News Cricket Cricket RELATED ARTICLESMORE FROM AUTHOR Halle Open 2021 Final LIVE: Ugo Humbert vs Andrey Rublev, Follow Latest Updates Previous articleAustralian Open-Kia Motors extend longest-running partnershipNext articleFederer edges out Djokovic and Nadal in career prize money Kunal DhyaniSports Tech enthusiast, he reports on Sports Tech industry and writes on sports products. F1 French GP 2021 Live: Max Verstappen vs Lewis Hamilton today at 6:30 pm — Follow Live Updates PSL 2021 Playoffs: Schedule, Timing, LIVE streaming, list of champions; all you need to know Latest Sports NewsSports BusinessNewsSportSportstarsTennis Cricket Bett1Open 2021 Final: Belinda Bencic vs Liudmila Samsonova, head to head, live stream, all you need to know Sport News By Kunal Dhyani – January 29, 2018 ATP Tour Bill Gates and Roger Federer are set to unite yet again on a tennis court for charity. ‘The Match of Africa 5’ is scheduled for the 5th March at the SAP Center in San Jose. This will also be Federer’s first match of any kind in the Bay Area.The tennis star and the Microsoft founder billionaire have already partnered once when they had played the Match For Africa 4 in Seattle last April to raise more than $2 million for the Roger Federer Foundation. YourBump15 Actors That Hollywood Banned For LifeYourBump|SponsoredSponsoredDefinitionTime Was Not Kind To These 28 CelebritiesDefinition|SponsoredSponsoredPost FunThese Twins Were Named “Most Beautiful In The World,” Wait Until You See Them TodayPost Fun|SponsoredSponsoredDaily FunnyFemale Athlete Fails You Can’t Look Away FromDaily Funny|SponsoredSponsoredMisterStoryWoman Files For Divorce After Seeing This Photo – Can You See Why?MisterStory|SponsoredSponsoredDefinitionWhat ‘Harry Potter’ Characters Were Actually Supposed To Look LikeDefinition|SponsoredSponsored Football Facebook Twitter TAGSBILL GATESMATCH OF AFRICA 5Roger Federer SHARE Share on Facebook Tweet on Twitter Virat Kohli completes 10 years in Test Cricket: 10 things you should know about India skipper- check out Euro 2020: Belgium suffer another blow, after Castagne now Thorgan Hazard ruled out Viking Classic Birmingham 2021 Final: Daria Kasatkina vs Ons Jabeur, head to head, live stream, all you need to know ATP Tour Federer to partner Gates for Match of Africa charity Sport News Wimbledon 2021 Pullouts: List of players who have withdrawn from year’s third grand slam- check out
Kenolkobil Limited (KENO.ke) listed on the Nairobi Securities Exchange under the Energy sector has released it’s 2012 interim results for the half year.For more information about Kenolkobil Limited (KENO.ke) reports, abridged reports, interim earnings results and earnings presentations, visit the Kenolkobil Limited (KENO.ke) company page on AfricanFinancials.Document: Kenolkobil Limited (KENO.ke) 2012 interim results for the half year.Company ProfileKenolkobil Limited is an oil marketing company supplying, storing, distributing and retailing an extensive range of petroleum products for markets in Africa sub-regions. This involves trading crude and refined petroleum products including motor fuels, industrial oils, liquified petroleum gas, aviation fuels, lubricants and various specialist oils. Kenolkobil Limited also markets a range of lubricants under the Castrol and K-Lube brands and sells a cooking gas called K-gas; and supplies gas accessories such as burners, regulators, cooking grills, lanterns, cookers, gas poles and hoses and fuel management systems. Kenolkobil Limited was the first marketer in Kenya to commission a fully-electronic fleet fuel management system, called K-Card which offers holder’s highly discounted purchases at its service stations across the country. Formerly known as Kenya Oil Company Limited (Kenol), the company was founded in 1959 as a wholesaler of packaged Kerosene and later invested in service stations. Today, Kenolkobil Limited is Kenya’s leading indigenous oil marketing company with operations in Burundi, Ethiopia, Rwanda, Uganda and Zambia. Its head office is in Nairobi, Kenya. Kenolkobil Limited
I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. Stock market crash: why I’d put £500 into the FTSE 100 Image source: Getty Images. Kevin Godbold has no position in any share mentioned. The Motley Fool UK owns shares of and has recommended GlaxoSmithKline and Unilever. The Motley Fool UK has recommended AstraZeneca, Diageo, HSBC Holdings, and Lloyds Banking Group. 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. 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. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Enter Your Email Address See all posts by Kevin Godbold Simply click below to discover how you can take advantage of this. If the recent stock market crash has whetted your appetite for investing, join the club! Although falling share prices can be frustrating for those already holding stocks, there’s no denying market set-backs also contain the gift of opportunity.You only need look at the FTSE 100 index’s long-term chart to see that every trough has been followed by another peak. In other words, the Footsie has good form when it comes to bouncing back from its lows.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…Why the FTSE 100 keeps bouncing backThat’s no accident. There’s sound logic behind the FTSE 100’s undulations. If you examine the make-up of the index, you’ll see many of the largest companies reside in highly cyclical sectors, such as banking, mining, oil and housebuilding.And many shares in those sectors have fallen a long way in this crisis. For example, names such as HSBC, BP, Royal Dutch Shell, Rio Tinto and Lloyds. Indeed, the falls among cyclical stocks have often exceeded those of more defensive operators such as AstraZeneca, GlaxoSmithKline, Diageo and Unilever.It makes sense the cyclicals have plunged the furthest because their businesses stand to suffer the most in recessions and economic downturns. The damage to their operations may not be fully evident yet, but the stock market looks ahead. That’s why it marked those shares so far down.However, because the market keeps looking ahead, it’s always trying to anticipate the next recovery as well. We saw some evidence of that last week in the strong bounce-backs and upsurges among cyclical stocks. It seems the market was responding to news the coronavirus crisis may be flattening in terms of the figures for those infected.Where I’d put my £500Perhaps previous assumptions about the depth of the economic carnage ahead began to look too harsh, and the market adjusted its expectations. Remember, many individual investors drive the market, so they’re applying a lot of collective brainpower to the puzzle!But last week’s market action demonstrated how fast the cyclical stocks can handbrake-turn and begin marching up again. And that’s why the FTSE 100 index itself is so bouncy. I see it as an excellent vehicle for riding the next up-leg in the markets.So, if I had a lump sum of £500 to invest right now, and nothing more for the time being, I’d put it into an FTSE 100 tracker fund held within a Stocks and Shares ISA. But I’d also be sure to select the Accumulation version of the tracker fund. This automatically reinvests the dividend income back into the fund for you.However, I wouldn’t stop there. Regular investment is key to building wealth. So I’d aim to pay monthly sums into my investment. That allows the process of compounding to build my nest egg for retirement. Our 6 ‘Best Buys Now’ Shares 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. Kevin Godbold | Sunday, 12th April, 2020 “This Stock Could Be Like Buying Amazon in 1997”
Take a back seat: Scott Johnson should be allowed to concentrate on the rugby for the next few weeksBy Alan DymockMORE OFTEN than not, these ‘Five Things We Learned’ pieces are a mixture of praise and a smidgeon of criticism, just to let everyone know that you spotted a little technical peccadillo in amongst the contacts, or that there is one particular player you want to champion.In the case of Scott Johnson’s Scotland, though, it is much more of straightforward task. There are no bullet points here. No snappy sub headings or drop-caps. It all gets laid out there at the same time. Here are five things:Johnson. Must. Cut. It. Out.No way through: Scotland didn’t trouble the English defenceNow don’t misconstrue this as an attack on Scott Johnson alone. While he has already faced trial by the British media, forcing the SRU to yesterday proclaim publicly that they are standing by him, this is more of a call to arms for everyone round about him to take pressure off him and not leave all the big decisions with him.For example, there was much tutting and more than a few choice words heard under the breath after Johnson’s trademark wisecracks immediately after the embarrassing loss to England. If this head coach doesn’t have the pressure of having to parade in front of the media, he can focus on the serious job of reversing Scotland’s perilous fortunes. After all, with Scotland being nilled at home in two of the last four Tests there and an atrocious start to the Six Nations, he should be more concerned than anybody. Scratch that, he should care more than anybody.Take him out of the public eye, send Duncan Hodge or Jonathan Humphreys out there to talk about rugby – purely the rugby – and let Johnson concentrate solely on coaching for the rest of the tournament. EDINBURGH, SCOTLAND – FEBRUARY 08: Scotland fans reacts during the RBS Six Nations match between Scotland and England on March 8, 2014 in Edinburgh, Scotland. (Photo by Jeff J Mitchell/Getty Images) LATEST RUGBY WORLD MAGAZINE SUBSCRIPTION DEALS Someone above the coaches station should think outside the box and make a rugby decision that hasn’t come from the coaches. Because matters on the pitch are in need of a serious overhaul, and if the SRU are to stand by him – and no matter what anyone says, Vern Cotter is not booked to charge in on his white steed for months – then Johnson definitely needs a bit of help.Passion: Scotland fans still care deeply about rugby From here on in it should be rugby only for Scotland. No excuses pre-match. No suck-it-and-see swaps from week to week. The best team for the whole tournament should go out and play. Period. Sure their game-plan needs changed, too. After all, once Scotland had spent time running into English tacklers last week and making few yards, in an action painfully reminiscent of a blue bottle trying to fly through a window pane, it was patently clear that Scotland weren’t briefed on another way to play. Let the coaches have their fortnight to try and turn it round before the all-important clash with Italy, which, granted, as a spectacle may not lift the spirits of the neutral but because of the pressure should actually be a credit to the Six Nations. That’s probably fair, isn’t it?So two rounds in,we’ve had our fill tearing into Johnson. He’s had his shot across the bow. But it would be petulant to continue sniping at him. There are others involved and you would hope that an entire organisation is not dictated to by one man, so let them share the burden. After all, a head coach leaving mid-tournament would be a new low for Scotland. Give him a proper chance to prove himself, when the pressure is at its most intense.You see, mark my words, Scottish rugby will outlast this poor showing, regardless of what some articles this week have said about how Scotland should be warned because they are dragging the Six Nations down. In the real world, there is too much history and more importantly too much sponsors ‘support’ or profit projections to be “kicking Scotland out of the tournament” before its mentioned in the fictional offices of the Powers That Be. Frustration: The Scotland squad are hurtingLet’s be clear. Johnson is not a politician or an entertainer. Officially he’s Scotland’s head coach, and he presumably swept to the position based on what he was saying about the nuts and bolts of Scottish rugby. Keep him behind the scenes.No more of the snappy one-liners and grinning in press conferences. Everybody wants a competitive Scotland. If anything else, that’s the one thing we learned at the weekend. Others alongside Johnson must be made aware of this as well. All of them should come out fighting and make beleaguered Scots rugby fans proud.
United States Save this picture!© John Horner+ 20Curated by Fernanda Castro Share CopyAbout this officeFrench 2DOfficeFollowProductsWoodGlass#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousingApartmentsLoftRefurbishmentRenovationbostonBostonUnited StatesPublished on November 15, 2018Cite: “Outlier Lofts / French 2D” 15 Nov 2018. ArchDaily. Accessed 11 Jun 2021.
131 total views, 1 views today 132 total views, 2 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis1 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. AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis1 The newspaper advert which showed a cockroach crawling from the mouth of a baby has generated more complaints to the Advertising Standards Authority than any other campaign this year, according to Ananova.com.The advert was one in a series of shocking images that Barnardo’s has used to highlight the fact that babies that are born into poverty are more likely to grow up to be addicted to alcohol and drugs, become involved in crime, or to face homelessness. The Advertising Standards Authority has received 445 complaints about it so far.The campaign has clearly had an impact. Barnardo’s has previously commented that, with a small budget, this was their aim. Indeed, the advert has already generated the fifth most complaints to the ASA to date.Barnardo’s says that “The charity has not as yet been informed of the details of any complaints and so is unable to comment upon them.” However, it is satisfied with its success: while acknowledging that some members of the public would find the campaign shocking, “we have done more interviews on the issue in the last two days, since the launch of the campaign, than we have in the past two years.”www.barnardos.org.uk Tagged with: Individual giving Law / policy Barnardo’s cockroach advert draws most complaints Advertisement Howard Lake | 4 December 2003 | News
читать на русскомReporters Without Borders today joined Human Rights Watch in expressing deep disappointment at the United Nations Human Rights Council’s decision this week to examine the human rights situation in Uzbekistan in private instead of in open session.“We condemn the UN Human Rights Council’s decision to conduct a confidential investigation into the events in Andijan in May 2005, since when Uzbekistan has been in the grip of repression and the local correspondents of the BBC and Radio Free Europe/Radio Liberty have been forced to leave the country,” the press freedom organisation said.Despite resorting to authoritarian measures, the government refuses to acknowledge that human rights are flouted in Uzbekistan. It sent a memo to the Human Rights Council in June of this year describing the international community’s concerns as baseless.The crackdown on independent journalists went one step further with the recent arrests of Ulugbek Khaidarov and Jamshid Karimov. The police set up Khaidarov in order to arrest him on a trumped-up charge of corruption. Karimov was forcibly committed to a psychiatric hospital without explanation and without his relatives being allowed to visit him. Both of them are being mistreated. Reporters Without Borders condemns these Soviet-style practices. More than six years in prison for Uzbek blogger who covered corruption Receive email alerts News Organisation New press freedom predators elected to UN Human Rights Council to go further October 15, 2020 Find out more News RSF_en News UzbekistanEurope – Central Asia News Uzbek blogger facing possible 10-year jail term May 11, 2021 Find out more October 5, 2006 – Updated on January 20, 2016 UN Human Rights Council misses chance to condemn Tashkent’s abuses UzbekistanEurope – Central Asia February 11, 2021 Find out more Follow the news on Uzbekistan Help by sharing this information
Facebook Advertisement Email Print LIMERICK Institute of Technology expects that this years number of first year entrants will be on a par with 2009, when the college saw the largest first round acceptance of degree courses.Sign up for the weekly Limerick Post newsletter Sign Up Through the CAO, LIT have offered 938 places to students in honours degree programmes and 1,998 offers to students for level 6 or 7 programmes.This is in addition to 423 offers to mature students before the summer, 304 of whom have already accepted their places.Keeping with national trends, entry points for many courses in the college have risen this year, notably in Art and Design, up from 785 points to 830, Multimedia Programming and Design, up from 285 to 325 and Drug and Medicinal Product Analysis, up 25 points to 275.Two new courses, Accounting and Finance and Business with Sports Management, were launched by the college this year at 335 and 310 points respectively.For those who have received a first round offer from LIT, they must accept by Monday, August 30. Second round offers will be made on September 1, to be accepted by September 8.Registration for first year students will take place at the LIT campus on Friday September 10. WhatsApp NewsLocal NewsApplications and requirements rise at LITBy admin – August 27, 2010 682 Linkedin Twitter Previous articleWe Should Be Dead – Alive and KickingNext articleFlip It TV admin
Sign up for DS News Daily Data Provider Black Knight to Acquire Top of Mind 2 days ago Georgia Addresses Statute on Execution of Documents Demand Propels Home Prices Upward 2 days ago 2018 black book Georgia Statute of limitations 2018-01-18 David Wharton The Week Ahead: Nearing the Forbearance Exit 2 days ago Print This Post Share Save Subscribe The Best Markets For Residential Property Investors 2 days ago Related Articles Tagged with: 2018 black book Georgia Statute of limitations Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Demand Propels Home Prices Upward 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Previous: Defining Debt Collectors Next: Can 2017’s Mighty Construction Numbers Keep Rolling in 2018? in Daily Dose, Featured, Magazine, Print Features Servicers Navigate the Post-Pandemic World 2 days ago Home / Daily Dose / Georgia Addresses Statute on Execution of Documents January 18, 2018 10,419 Views The Best Markets For Residential Property Investors 2 days ago Editor’s note: This story was originally featured in the January issue of DS News, out now.In 2015, the Georgia legislature passed a bill on the witnessing of documents for recording in Georgia. The bill went into effect on July 1, 2015, applying only to documents executed after that date. Despite the passage of time, it is still the case that many documents important to lenders and servicers in Georgia are not being executed in accordance with the new requirements, which leads to delays in collection enforcement actions, including foreclosures. This is especially true for documents executed outside Georgia, which has become increasingly common as lenders and servicers have become more national operations.The StatuteThe new “bill on the witnessing of documents for recording in Georgia” is actually not one statute but a series of amendments to existing statutes that affect the execution and witnessing of warranty deeds, quitclaim deeds, and, most importantly for lenders and servicers, security deeds (or deeds to secure debt) and assignments. These documents must now be “signed by the maker, attested by an officer as provided in Code Section 44-2-15 [basically, a notary], and attested by one other witness.” In short, documents for recording in Georgia must now be attested by two (2) witnesses, one of whom must be the notary. This is now viewed as the exclusive way that documents must be signed to be admitted for recording in Georgia.What it MeansThe significant effect of this new language is that it no longer permits documents to be executed with two witnesses, with the notary then using a notary acknowledgment form. For reasons that are open to speculation, this method of witnessing and notary acknowledgment had become more common in Georgia in the last 15 years or so. But use of a notary acknowledgment form indicates that the notary actually did not witness the signing, and so this is now not a good practice, as the stated requirement in the revised statutes is that the execution of the document must be attested (witnessed) by the notary (an officer as provided in Code Section 44-2-15). Regardless, it is still not unusual to see documents executed in Georgia, especially assignments, that do not comply with the requirements, even after more than two years in effect.An equally significant effect of the new language is how it may (or may not) interact with witnessing requirements for documents executed in states other than Georgia that are to be recorded in Georgia. For example, some states have statutorily prescribed notary acknowledgment language that makes it clear that the notary did not actually witness the signing of the document—and the problem is worse in states where there are varying opinions and practices regarding how much the statutorily prescribed acknowledgment language can be changed. In such states, less is better, so minor additions such as “notary witness” or “in my presence” or “who appeared before me” can do the trick. In other states, no witnesses at all are required by that state’s laws, only a notary acknowledgment. In these cases, a witness signature will need to be added, in addition to making modifications to the acknowledgment language to be sure it states that the notary witnessed the signing. These issues and potential conflicts probably can be worked out satisfactorily, but it does require understanding of the issues and requirements involved. Jon F. Young is an attorney in Weissman’s residential foreclosure practice. Throughout his career, Young has also advised and represented homebuilders, developers, lenders, and loan servicers on variety of matters.