Business
The unsung hero of the 1920’s beauty industry

Of the four fundamental interactions, gravitation is the dominant at astronomical length scales. Gravity effects are cumulative; by contrast, the effects of positive and negative charges tend to cancel one another, making electromagnetism relatively insignificant on astronomical length scales. The remaining two interactions, the weak and strong nuclear forces, decline very rapidly with distance; their effects are confined mainly to sub-atomic length scales.
This diagram shows Earth location in the universe on increasingly larger scales. The images, labeled along their left edge, increase in size from left to right, then from top to bottom.
The size of the universe is somewhat difficult to define. According to the general theory of relativity, far regions of space may never interact with ours even in the lifetime of the universe due to the finite speed of light and the ongoing expansion of space. For example, radio messages sent from Earth may never reach some regions of space, even if the universe were to exist forever: space may expand faster than light can traverse it.
Because we cannot observe space beyond the edge of the observable universe, it is unknown whether the size of the universe in its totality is finite or infinite.
Spacetimes are the arenas in which all physical events take place. The basic elements of spacetimes are events. In any given spacetime, an event is defined as a unique position at a unique time. A spacetime is the union of all events in the same way that a line is the union of all of its points, formally organized into a manifold.
Spacetime events are not absolutely defined spatially and temporally but rather are known to be relative to the motion of an observer. Minkowski space approximates the universe without gravity; the pseudo-Riemannian manifolds of general relativity describe spacetime with matter and gravity.

An important parameter determining the future evolution of the universe theory is the density parameter, Omega, defined as the average matter density of the universe divided by a critical value of that density. This selects one of three possible geometries depending on whether is equal to, less than, or greater than 1. These are called, respectively, the flat, open and closed universes.
Observations, including the Cosmic Background Explorer, Wilkinson Microwave Anisotropy Probe, and Planck maps of the CMB, suggest that the universe is infinite in extent with a finite age, as described by the Friedmann–Lemaître–Robertson–Walker (FLRW) models.
Because we cannot observe space beyond the edge of the observable universe, it is unknown whether the size of the universe in its totality is finite or infinite.
The universe is composed almost completely of dark energy, dark matter, and ordinary matter. Other contents are electromagnetic radiation (estimated to constitute from 0.005% to close to 0.01% of the total mass-energy of the universe) and antimatter.
The observable universe is isotropic on scales significantly larger than superclusters, meaning that the statistical properties of the universe are the same in all directions as observed from Earth. The universe is bathed in highly isotropic microwave radiation that corresponds to a thermal equilibrium blackbody spectrum of roughly 2.72548 kelvins.
Two proposed forms for dark energy are the cosmological constant, a constant energy density filling space homogeneously, and scalar fields such as quintessence or moduli, dynamic quantities whose energy density can vary in time and space. Contributions from scalar fields that are constant in space are usually also included in the cosmological constant. The cosmological constant can be formulated to be equivalent to vacuum energy. Scalar fields having only a slight amount of spatial inhomogeneity would be difficult to distinguish from a cosmological constant.
Ordinary matter commonly exists in four states: solid, liquid, gas, and plasma. However, advances in experimental techniques have revealed other previously theoretical phases, such as Bose–Einstein condensates and fermionic condensates.
A photon is the quantum of light and all other forms of electromagnetic radiation. It is the force carrier for the electromagnetic force, even when static via virtual photons. The effects of this force are easily observable at the microscopic and at the macroscopic level because the photon has zero rest mass; this allows long distance interactions. Like all elementary particles, photons are currently best explained by quantum mechanics and exhibit wave–particle duality, exhibiting properties of waves and of particles.
With the assumption of the cosmological principle that the universe is homogeneous and isotropic everywhere, a specific solution of the field equations that describes the universe is the metric tensor called the metric,
Some speculative theories have proposed that our universe is but one of a set of disconnected universes, collectively denoted as the multiverse, challenging or enhancing more limited definitions of the universe. Scientific multiverse models are distinct from concepts such as alternate planes of consciousness and simulated reality.
The Indian philosopher Kanada, founder of the Vaisheshika school, developed a notion of atomism and proposed that light and heat were varieties of the same substance.

Business
Sell In May? This VIX Butterfly Spread Could Be The Perfect Trading Strategy

Market volatility has fallen markedly as measured by the CBOE Volatility (VIX) Index. VIX is a real-time index that represents the market expectation for near-term volatility in the S&P500 index.
Investors and traders have long used VIX as a measure of the level of risk, fear or stress in the market.
Today, we’re going to look at a long call butterfly using VIX options as a way to profit if volatility jumps up again in the next few weeks.
A long call butterfly is constructed through buying a call option, selling two higher calls and buying one call even higher.
The trade is entered for a net debit meaning the trader pays to enter the trade. This debit is also the maximum possible loss.
Usually, a butterfly is placed roughly at-the-money, but today we are looking at placing it out-of-the-money.
Using the May 16 expiry, the trade would involve buying the 20 strike call, selling two of the 25 strike calls and buying one of the 30 strike calls.
The cost for the trade would be around $40-45 which is the most the trade could lose. The maximum potential gain is $460, which would occur is VIX closed right at 25 at expiration. The lower breakeven price is 20.50 and the upper breakeven price is 29.50.
There are three general outcomes with this butterfly.
- VIX below 20.50 – Trade loses $45. This scenario should be reasonably acceptable for most investors. While the option trade suffers a full loss, hopefully stocks have been stable or rising.
- VIX between 20.50 and 29.50 – Good for the VIX butterfly, but potentially bad for stock portfolios.
- VIX above 29.50 – Full loss on the VIX trade and potentially big drops in stock portfolio.
So, VIX above 30 is the main scenario that hurts in this case, but how likely is that? We’ve only seen a VIX reading of above 30 on a handful of days in the last six months.
Using VIX options can be simple and cheap way to buy some protection against a mild selloff in stocks between now and mid-May. The trade can be placed relatively cheaply at $40-45 per contract.
VIX options behave differently to regular stock options, so it is important that any trader using this product fully understands the risks involved. As always, do your own research and due diligence before risking any of your hard-earned capital.
Please remember that options are risky, and investors can lose 100% of their investment. This article is for education purposes only and not a trade recommendation. Remember to always do your own due diligence and consult your financial advisor before making any investment decisions.
Business
Core Lithium (ASX:CXO) bolsters Finniss mineral resource by 62pc

- Core Lithium (CXO) posts a 62 per cent increase to the total mineral resource estimate (MRE) of its Finniss lithium project in the Northern Territory
- The total resource now comprises 30.6 million tonnes at 1.31 per cent lithium, with measured and indicated resources of 19.4 million tonnes at 1.37 per cent lithium
- Core says the results highlight the “significant potential” for mine life extensions at Finniss, and it will now work to complete an updated ore reserve estimate
- The company has allocated $25 million to its 2023 drilling campaign — nearly double its 2022 budget — to deliver further resource increases
- CXO shares are up 7.03 per cent and trading at 99 cents at 11:54 am AEST
Core Lithium (CXO) has posted a 62 per cent increase to the total mineral resource estimate (MRE) of its Finniss lithium project in the Northern Territory.
The total resource now comprises 30.6 million tonnes at 1.31 per cent lithium oxide.
Of this, the measured and indicated mineral resources make up 19.4 million tonnes at 1.37 per cent lithium oxide — an increase of 46 per cent from the previous resource.
The update follows the company’s largest drilling program to date: a 39,600-metre reverse circulation and diamond drilling campaign completed in 2022.
The program was conducted at both known deposits and new prospects within the Bynoe pegmatite field, which lies 15 kilometres south of Darwin and extends up to 70 kilometres in length and 15 kilometres in width.
Core said the new results highlighted the “significant potential” for mine life extensions at Finniss, and the company will now work to complete an updated ore reserve estimate.
The company has allocated $25 million to its 2023 drilling campaign — nearly double the budget allocated for 2022 — to deliver further increases to the project’s MRE.
CXO shares were up 7.03 per cent and trading at 99 cents at 11:54 am AEST.
Business
Understanding the Steps of a “Know Your Customer” Process

To help battle against the multi-trillion-dollar financial crime industry, firms themselves take steps toward solving the problem. One way organizations have responded is by expanding their “Know Your Customer” (KYC) efforts.
KYC references a set of guidelines that financial institutions and businesses follow to verify the identity, suitability, and risks of a current or potential customer. The goal is to identify suspicious behavior such as money laundering and financial terrorism before it ever materializes.
KYC regulations originated from years of unchecked financial crimes. The initial guidelines were drafted in 1970 when the U.S. passed the Bank Secrecy Act (BSA) to prevent money laundering. Notable additions came years later, after the Sept. 11, 2001 terrorist attacks and 2008 global financial crisis.
The regulations put in place over the years have required firms to monitor client behavior regularly. And there is no exception for not complying. Any company—including banks, insurance companies, and creditors—with exposure to client risk must develop a KYC strategy for engaging with customers.
What are the requirements to “Know Your Customer”?
The “Know Your Customer” framework contains three steps: customer identification program (CIP), customer due diligence (CDD) and enhanced due diligence (EDD).
Customer Identification Program
At the minimum, firms must pull four pieces of identifying information about a client, including name, date of birth, address, and identification number.
Most firms take additional steps in their screening process. Many will make sure that clients do not appear on government sanction lists, politically exposed person (PEP) lists, or known terrorism lists— those who do appear usually require enhanced due diligence.
Other items considered at this time include financial transactions, which firms use to separate potentially risky behavior from regular business activity.
Much of this information comes from various reporting agencies, public databases and third-party sources.
Customer Due Diligence (CDD)
Customer due diligence is the process of classifying all the information collected during the Customer Identification Program.
Firms examine the nature and beneficiaries of existing relationships to ensure all activity is consistent with historical customer information.
The goal is to obtain enough information to verify a customer’s identity and assess their riskiness. Since financial crime happens quickly, firms frequently monitor this information for unusual spikes in activity or changes to sanction lists. Most clients pose little to no risk, but the few who do are subject to enhanced due diligence.
Enhanced Due Diligence (EDD)
If a customer is believed to pose additional risks, firms take extra steps to gain a better understanding of their motivations. A high-risk person may include those with political exposure or relationships with designated persons. Even someone in a high-risk country can raise a red flag for compliance.
In practice, firms must demonstrate a deeper understanding of the high-risk clients identified by a standard customer due diligence program. Some of the information required to perform enhanced due diligence includes a source of wealth verification, detailed management reports and relevant third-party research.
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