Thứ Tư, 21 tháng 12, 2016

About a half-mile past the entrance to Newgrange, in the Valley of the Boyne, County Meath, Ireland, is a handmade sign with an arrow that reads “Irish crafts for sale.” I am, of course, fascinated by Newgrange, a Neolithic site that predates Stonehenge by a thousand years, but I can never pass up yarn, so I turned into a modest farm, damp, green, full of sheep, well-used equipment and warning signs — “This is not a playground.”

In the shop, Allison, the owner, was at the spinning machine, and of course I did buy a sweater, hand-knit, pale green cable, for my granddaughter, and also a Christmas tree ornament that looks like a sheep. We chatted about Allison’s flock (170 of them), their breed (hornless Irish Belclare), the problem with horned sheep (Daisy, for example, though hornless, is inconveniently dominating, always trying to give the other ewes a poke).

I drove away and turned into the parking lot at Newgrange, but the farm cast an interesting glow over the ancient but beautifully rebuilt site — this is a place long inhabited, where passing observations of sunlight, rain, animal interactions, the growth of the rich greenery, how lives must or might be lived flicker in the atmosphere like sparkles of mist.

I steered my rental car between lovely metalwork gates that reproduce the style of the Neolithic engravings at Newgrange, which looks like a huge green beret set neatly onto a green hillside in a gently rolling landscape.

Newgrange is a popular destination, and tickets are first come first served. It is called a “passage mound” or “passage tomb,” but what is it really? If we are lucky, what we get when we visit an ancient site is a sense of the intelligence that designed and built the structure even if we might not understand what belief system they were acting under. Indeed, perhaps Newgrange is a giant calendar, a giant clock, a giant belief system, built without mortar, lost and present at the same time.
This time of year, Newgrange takes on a special significance when the site becomes mysteriously aligned with the rising sun at the winter solstice, flooding its interior with an almost mystical light.

It is 338 feet in diameter, slightly larger than the circumference of the outer ring at Stonehenge. The white quartz stones that make up the outer wall were brought here from Wicklow (71 miles south) and the granite cobbles from Rathcor (40 miles north). The stones I saw are a reproduction of the original.

Ninety-seven larger boulders, known as kerbstones, averaging three tons apiece, were brought from a site on the Irish Sea about 19 miles to the north, but even if they were floated on boats all the way to this spot, they would still have had to be dragged about a half-mile up the hill from the River Boyne to the monument. The underlying stone structure is hidden by a smooth, slightly flattened and peaceful-looking grassy lawn.
This was my second visit in two days, there was much to see, and the line was short — there were maybe 10 of us waiting. My turn came, and I climbed the outer stairs, then went down into the entryway. The stone in front of the entrance is a large oval that has been carefully incised with carved connecting spirals.

Perhaps more unique is the “roofbox” — something like an open window set onto the heavy lintel stone that defines the doorway. The two people who went before me came out, and I entered the passage. Like many ancient passages, it wasn’t built for tall women like me. Heavy stone slabs lean inward; it is a tight corridor; I felt as if I was walking slightly down hill. There was a little light, and I avoided bumping my head, but I could hardly see the interior engravings. At the bottom of the path, it was difficult to gauge how far I’d come.

There was nothing grand about the passage until I got to the bottom, and turned around. The guide told us what to look at. And then, the demonstration — how, for 16 minutes on the morning of the winter solstice, and only then, the sun shines through the roofbox, down the passage right to the bottom, right to what might be some sort of altar with a basin sitting on it. Someone outside shone an electric light through the roofbox (which was discovered in 1963), demonstrating the effect. I imagined the miracle of such a thing, total darkness pierced so precisely by sunlight. The tools used to build the monument were made entirely of stone, bone and wood.

Later, I drove to the mouth of the River Boyne, on the Irish Sea, 31 miles north of the River Liffey, which flows through Dublin. The landscape is flat, and, this day, a little damp and gloomy. The shingle beach, edged by wild green plants of all types, stretches toward a broad estuary. Even to me, the river seemed to promise an easy and productive trip inland. It is evident why countless men in ships accepted the invitation — in 2013 a boat made of logs, possibly 5,500 years old with “a pair of oval shaped blisters on the upper edge” indicating oars, according to reports, was found near Drogheda, not far from where a dredging operation in 2006 revealed a Viking ship.
At the mouth of the Boyne, there are two Neolithic standing stones (mythologized as a cow and her beloved calf). I crossed the river in Drogheda, a medieval town five miles inland. Since I grew up beside the mile-wide Mississippi, known in St. Louis as “The Big Muddy,” the River Boyne reminded me more of a creek (as it passes through Drogheda, it is 140 feet wide), but it is deep, full of fish, easily navigable, just the sort of river that spawns civilizations.

The River Boyne loops south from County Louth into County Meath about three miles west of Drogheda, and inside this loop, there are more than 40 prehistoric sites, set on hilltops, and visible one from another. One of the special pleasures of Newgrange and the Valley of the Boyne is the sense of history, deep history, as something rural rather than urban. Drogheda was founded by the Normans toward the end of the 12th century. I stayed at a bed-and-breakfast south of town, near the giant tanks of a local dairy, and drove through the countryside from one site to another.

The biggest battle in Irish history was the Battle of the Boyne, fought just west of Drogheda in 1690 between King James II of England, who had been deposed and was attempting to regain his kingdom, and William of Orange, the Dutch choice of English Protestants. James had 23,000 troops and William had 36,000. William won, reinforcing and entrenching the conquest of Ireland by the English. The museum dedicated to the Battle of the Boyne — an elegantly refurbished 1740 early Palladian-syle mansion that looks out over a vast and very green set of fields just where William’s troops crossed the river and attacked James’s — was completed in 2008.

The Battle of the Boyne was significant to the rediscovery of Newgrange, which had been ignored or used as a source for building materials, because a follower of William of Orange, Charles Campbell, took over the property. Campbell, too, saw the monument as a pile of building material, but when his laborers removed some of the stones, they discovered the entrance to what they assumed was a cave.
The first person to become curious about what really made up the mound was a Welsh naturalist, Edward Lhwyd (pronounced “Lloyd”), a friend of Isaac Newton. Lloyd, well known for precision, wrote four letters about Newgrange, in 1699 and 1700, detailing what he saw as the mound was excavated. Campbell himself also explored the site, and he reported to a later visitor, Sir Thomas Molyneux, that the bones of two complete corpses had been found, a man and a woman. Lhwyd didn’t report the human remains, but they were uncovered in 1967, when modern archaeologists were excavating the site. The skeletons were a bit of a conundrum — Molyneux speculated in a published 1726 account that they were the remains of a prominent man and his wife, à la Akhenaten and Nefertiti.

At least 15 antiquarians visited the mound at Newgrange in the 200 years between Molyneux and the first truly modern investigator, George Coffey, who visited in the 1890s and again in 1912. All were perplexed by the origins of the mound, and none of them thought that ancient Irish inhabitants could have been capable of building such a structure.

Undoubtedly, this was because the Valley of the Boyne is deep inside “the Pale” — the area of Ireland that came under the control of the English in the mid-12th century. A ditch and rampart that enclosed parts of Louth, Meath, Dublin and Kildare defined “the Pale” and cut English-based scholars off from Celtic literature and history. But the Old Irish literature of invaders from the east was well aware that the Celts had been preceded by a group that they called the Tuatha De Danann.

I kept driving. The roads are narrow, neatly hedged. Sometimes the valley is open and scenic; other times the trees seem to close in. To the northeast there is Dowth, the smallest, least well-known of the passage tombs and, from the road, the most private of the three sites — over the top of the hedgerow, I could see the passage mound bulging green and uneven, the absolute emblem of mysterious privacy.
Two mounds have been discovered, but the site has not been rebuilt. A narrow series of roads runs from there past farmhouses and fields of black and white cows, past Newgrange again. The view of Newgrange up the hill from the road was beautiful; the view from Newgrange was rolling, green, utterly quiet.

Knowth may be the most elaborate and historically well-used assembly of tombs — 18 in all — and passages. Knowth was, perhaps, more important in its day than Newgrange. Excavation here began in the late 1960s, and was immediately productive. In a 2008 article in The Irish Times, the archaeologist George Eogan recalled crawling up the eastern passage (there is also a western passage), carrying a light, and coming to a “void” at the end. He said, “In my great excitement I jumped down six or seven feet, and to my amazement I found that what I had jumped into was a massive cruciform (‘cross-shaped’) chamber. There was an astonishing amount of art and a magnificent stone basin in the right-hand recess.” Mr. Eogan’s group has also found evidence of pottery, houses and flint from 4000 B.C., in addition to finds from the same period as Newgrange.

Knowth is more irregular in appearance than Newgrange, but at least as impressive. And there is plenty of evidence that post-Neolithic inhabitants of the area were aware of, and made use of, the facilities at Knowth — one of the oddest remains is graffiti on the stones in the passages from between A.D. 700 and 750, when the area was resettled and the passages were used as living quarters.

“It’s amazing when you come across the inscriptions, there’s something about them that brings you face to face with people,” a scholar from University College, Dublin, Francis J. Byrne, told The Irish Times in 2008. “If you met them, you would probably be telling them off, don’t be desecrating this monument.” Investigation into the complexities of Knowth and how it has been repurposed over the last 6,000 years is continuing.
Experts are beginning to agree that Newgrange, Knowth and Dowth once served as astronomical monuments, noting their level of sophistication. Archaeologists rejected these ideas as fantasies for a long time, interpreting the orientation of the passages at Newgrange and Knowth as coincidental and the incised stones as a set of meaningless geometric designs.

In his 2012 book, “Newgrange, Monument to Immortality,” the Drogheda journalist and novelist Anthony Murphy points out that Neolithic farmers would have had many reasons to pay attention to weather, seasons and the passage of time. He also observes that they would be much more likely to pay close attention to the moon and the stars than we do, with our electric lights and internet data. He considers Newgrange and Knowth epic calendars that measured years, leap years and other temporal cycles.

I widened my range a little — there was so much to see, both in terms of landscape and of historical structures. In Monasterboice, six miles north of the river, there is a circular tower and a crowded graveyard containing the oldest known Celtic cross, still in beautiful condition. Not far from Collon — four miles from Monasterboice — are the remains of an enormous abbey from the 12th century (Old Mellifont), simultaneously neat, airy and spooky. There are towns (Donore, Navan) and castles (Trim, from the Norman period, and Slane, reconstructed in the 18th century, now the site of big rock concerts). There is Drogheda itself.

But Newgrange is the beginning — DNA analysis and archaeological evidence indicate that farming in the region began somewhere around 4500 B.C. It may have been that farmers from the Middle East came up the river in those log boats, discovered the unusual fertility of the valley (a result of the last ice age) and encountered an entrenched indigenous population. But there are no signs of a conflict; either the Neolithic farmers mixed peacefully with the Mesolithic foragers, or the foragers themselves imported agriculture, took those log boats to the east and returned. It was the farmers, having cleared the land and harvested their crops, who had the leisure time to build one passage tomb after another, Mr. Murphy suggested.

Archaeologists and investigators are not finished in the Valley of the Boyne. Many things are waiting to be discovered, put together, understood. As I looked across the rich green flow of the hills toward the setting sun, I expected to come back to this mystery.

Thứ Hai, 14 tháng 11, 2016

Abandoned for eight years, the popular park returns just in time for Halloween.
Abandoned theme parks can make for some of the creepiest places on earth, but a derelict one in Rome was brought back to life just in time for Halloween. Luneur Theme Park, Italy's oldest amusement park, reopened on October 27 after closing eight years ago for renovations.


The park was a bustling spot for half a century after first opening in 1953 as part of Rome’s Agricultural Fair, a mid-century expo. It was meant to be temporary, but was so popular with its carousel, coal mining ride, and replica T-rex skeletons, that they kept it open until 2008, when it fell into financial and legal trouble. It sat crumbling for years before the Luneur Park company was able to revive it.
Geared toward children under the age of 13, the seven-hectare park now features 25 attractions, including a Wizard of Oz-themed yellow brick maze and two nature trails where children go on insect hunts. More modern amenities have been added to the park as well—special rooms for breastfeeding and baby-changing, child-size bathrooms, events for pregnant mothers and school groups, and children's menus at the onsite restaurants.

 "We've looked after every detail, from the services to the sets to the green areas, protected and enhanced," Antonio Abete, president of the Luneur Park company, said in a statement.

In celebration of the highly anticipated opening, the park is hosting Halloween events from October 29 through November 2, and is attempting to secure the Guinness World Record for most pinwheels in a field. If that doesn’t make your head spin, the giant multi-colored Ferris wheel certainly will.

Thứ Ba, 25 tháng 10, 2016

It was a hot, late summer evening in Tuscan wine country — and, unexpectedly, I was getting a lesson in astrology.

Inside a grid of cool, lush green vines, amid hills and valleys rippling toward the horizon, a cherubic woman in a wide straw hat named Helena Variara was pointing toward the sky.

“You have days of fire, air and days of earth — the 12 constellations are our helpers,” she said matter-of-factly. “Our work is to enter the rhythm of the planets.”

Technically speaking, Ms. Variara’s work is also to make wine. She and her partner, Dante Lomazzi, own a tiny winery called Colombaia, tucked onto a hillside of northern Tuscany, outside Siena. “We work the soil on earth days,” Ms. Variara said. “We work the leaves on water days. The sugar in the grapes grows when the moon grows. So we only harvest after a full moon.”

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After a pause, she added: “By the way, the water days are also the best days for eating salad.”

Ms. Variara’s practices may seem unorthodox, but her method (better known as biodynamic winemaking) is becoming more and more prominent among a small cohort of Italian winemakers. It follows an ethos composed in the mind of the Austrian philosopher Rudolf Steiner in the early 1920s, and the tenets are fairly simple: There can be no synthetic chemicals or mechanical irrigation. A true biodynamic farm must also grow a variety of fruits and vegetables, and there have to be animals, either domestic or wild, to keep this miniature ecosystem in check.

And Ms. Variara’s affinity for the constellations is not a personal idiosyncrasy. Biodynamic winemaking also mandates that the farmer adhere to a specific celestial calendar. Hence my astrology lesson.

Sebastian Nasello, the winemaker at Podere Le Ripi in Montalcino, explained it this way: “Organic farming does no harm to the earth. Biodynamic farming aims to make the earth healthier.”

People like Ms. Variara and Mr. Nasello are part of a movement of small vineyards; most produce about 10,000 to 20,000 bottles annually.

As a point of comparison, Goliath vineyards like Antinori, Frescobaldi and the other wines of the duty-free world produce millions of bottles a year and export them all over the world. In 2015, Santa Margherita sold over 19 million bottles in 85 countries, totaling 118,200,000 euros (about $130,000,000) in net sales.

The biodynamic vineyards I visited export a few thousand bottles a year, if any, and the digits of their net sales numbers don’t usually exceed three or four zeros.

Unlike the giants of the wine world, these small, rough-hewed farms add no ingredients besides grapes and time to their wines (with the occasional exception of a pinch of sulfites to preserve the vintage). Where a company like Banfi or Antinori may get truckloads of grapes from all over the region delivered to a sprawling factory that also hosts tour buses, these biodynamic farms generally consist of a farmer, a tractor and maybe a few friends who come to help at harvest time. These farmers are the Davids.

What if the best way into the world of Italian wine was not on a tour bus, but walking through these tiny vineyards with these farmers as guides? It felt like unchartered territory, as if I was unpeeling the unknown side of Italian wine. And, as I would learn, it’s a world that only gets more fascinating the deeper in you go.

Officially, these wineries are not typically open to the public. Unofficially, such winemakers love nothing more than showing off their farms and vintages. For someone who is more traveler than tourist, these wineries provide the perfect entry into a part of Italy we don’t see very often, a part that has been untouched by throngs of tourists and Instagram clichés.

And, perhaps most fascinating of all, there is the deference to the occult.

“We bottle when the moon is descending,” Ms. Variara told me as we walked into her cellar. Each year Colombaia makes two red wines, a cloudy white and a tiny batch of sparkling pink and white wines. “You need the right moon because she’s alive. She knows she’s in a bottle.”

It took me a second to realize we were talking about the wine.

Far be it from me to say “she” isn’t alive. Biodynamic wines may seem like a quirk, a wine-industry outlier, but for the fact that the wine is fantastic.

“Helena’s wine has a soul,” said Brian Heck, a consultant who specializes in biodynamic wines. “It makes you want to be a better person.”

When I heard about people who worked according to a romantic voodoo of reading the phases of the moon, of using stars as a sort of extraterrestrial oenologist, I was fascinated.

Which is how I found myself in Italy (with my husband and two children) seeking out wineries like Colombaia: ones that are more farm than factory, exist in harmony with the land around them, and make some of the most interesting wine in the country.



“I can’t drink conventional wine,” Gabriele de Prato told me. “I can taste the chemicals. I can taste the temperature control. A conventional wine tastes dead.”

Handsome and tan, with a shaved head, leather bracelets and camouflage shorts, Mr. de Prato looks as if he’d be just as comfortable on the pages of a men’s fashion magazine as strolling through his farm. We were touring Podere Còncori, Mr. de Prato’s vineyard not far from Lucca, in an area known as Garfagnana. Podere Còncori produces several labels, including a syrah, a pinot blanc and (my personal favorite) a rich, elegant pinot nero.

“People think our methods are strange because we use the astrological calendar,” Mr. de Prato said. “But remember that European farmers have always used the moon calendar.”

He almost had me convinced. Until he asked if I had learned to bury a cow horn. By the look on my face, he rightly assumed I had not. “We fill a cow horn with flowers, herbs, manure, like compost,” he said. “We bury it for the winter. It goes into the warm part of the soil closer to the sun’s energy. In the spring we dig it up, mix it with water and spray the vines. It is a natural fertilizer.”

A short while later, Mr. de Prato walked me through his cellar. Between giant steel wine barrels, there was a massive table piled high with lush red tomatoes of all sizes (“You have to have a hundred tomato plants in Tuscany or you’re nobody”). He grabbed a handful of the smallest, rinsed them off and plopped them in a terra-cotta bowl with a sprig of fresh rosemary. It was time to eat.

We sat at the heavy wooden table in his tasting room with those tomatoes, plus platters of crostini, bowls of homemade pasta e fagioli and generous pours of Podere Còncori Melograno. “This is not a simple wine, it is more difficult, but it warms you up,” he told me.

There’s artistry and erudition in this world. It attracts Italians who retreated to the hills to think deep thoughts. Many of the farmers I met with were musicians, some painted, one quoted Ulysses, and all of them tried to educate me.

“You must read Goethe,” said Stefano Amerighi, leaving me to wonder how he knew I hadn’t. We were at his vineyard 150 miles southeast, near the village of Cortona. “‘The Metamorphosis of Plants’ explains our philosophy. Humans waste a lot. With the biodynamic methods you don’t lose anything, you use everything. Goethe will help you understand.”

Mr. Amerighi has long, wavy hair to his shoulders and a graying beard, wears distinguished tortoiseshell glasses and carries a burned-out cigar.

He led me down a dusty path that ran between his lush green vines. Though it was an oppressively hot afternoon, the world inside the vines felt cooler, almost air-conditioned. We arrived at his pasture, home to Mr. Amerighi’s Chianine, the famous white cows that are almost always fated to become bistecca alla Fiorentina.

“Monoculture is not agriculture,” he said stroking one of the cows under her chin. “A farm is like a human: You need a head and a heart and the organs to make the whole organism.”

He pointed to a group of cows gathered in the shade and said: “A few are pregnant. I promised my daughter I would never slaughter our cows. I think soon we will have many cows.”

Before I left, we toured the cellar. And as we walked in the dank air between big barrels of aging syrah, I noticed that the ceramic casks were all covered with chalk drawings of butterflies, stars and rainbows: the blissful, pastel-colored world of a 6-year-old girl. This cellar was a playground.

It was the starkest reminder that we were nowhere near a factory farm. Though they may be separated by hundreds of miles, these farmers are almost family.

“If there is a hailstorm, we call each other and ask advice,” Mr. de Prato had said to me. “There is no rivalry between me and Stefano and Helena and Arianna. I am so impressed with what Arianna has done.”

If this world has a matriarch, it is Arianna Occhipinti, although that’s hardly the word to describe her. Ms. Occhipinti, who started her biodynamic vineyard in southeastern Sicily in 2010, is 33 years old with a tangle of thick black hair, Mediterranean skin and big brown eyes — more Venus than Juno.

Occhipinti is one of the largest producers of biodynamic wine (over 120,000 bottles annually), and it was among the first to be recognized by critics as high-quality wine.

I met Ms. Occhipinti in the courtyard of her winery, not far from the historic city of Ragusa. We sat on wicker chairs surrounded by olive trees and lavender plants and sipped glasses of the Occhipinti Nero d’Avola, a lightly tannic red wine with what wine people call generous fruit.

Thứ Ba, 13 tháng 9, 2016

The third largest city is Pakistan, Faisalabad is a bustling metropolis full of culture, history and fascinating sights, which is a great place to head for a weekend break.


Top things to see and do
Take a stroll around the palatial old campus of the University of Agriculture. It’s one of the largest universities in Asia and has some beautiful green spaces to take in too.
The impressive clock tower, known locally as Ghanta Ghar, is one of Faisalabad’s main landmarks. Built under the British Raj, the tower is a starting point for 8 bazaars, which form the shape of the Union Jack flag.
From Chinese food to pizza, there’s loads of delicious international cuisine on offer in Faisalabad, but make sure you try local specialities such as paratha, a flatbread stuffed with different fillings.
Head to the beautiful Jinnah Garden for some fresh air after the hustle and bustle of the city. It’s also where you’ll find a monument to the city’s founder, Sir Charles Lyall.
Sports fans will jump at the chance to visit Faisalabad’s Iqbal Stadium, which has played host to many international cricket games, including several Test matches. It’s around 2km outside the city centre.
Tips for travellers
You can drive to Lahore, the cultural centre of Pakistan, in around 2-and a-quarter-hours. Here you’ll find fascinating architecture and beautiful gardens.

Thứ Sáu, 29 tháng 7, 2016

Located in the central business district, The Ann Hanoi offers unprecedented access to the city's commerce, shopping and dining options.

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The hotel offers 108 exquisite guestrooms, including 7 cosy suites - apartments. Completing the experience is The Ann's fully equipped health club with rooftop swimming pool, jacuzzi, sauna and more.

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Thứ Sáu, 15 tháng 7, 2016

Meet Rahul Mutha, Founder and Chief Executive Officer of Aurus. Mutha founded Aurus in his basement in Long Island back in 2000, and has since turned it into a payments solution provider for Fortune 2000 companies in the retail, financial services and healthcare industries.

Last month, Mutha dropped by the PYMNTS.com office to talk one-on-one with MPD CEO Karen Webster about how retailers are dealing with a “tripod” situation (EMV, breaches and changing consumer demands) and how his company acts as a “high-speed elevator” to retail’s future. This time around, we sat down again with the “operator” of that elevator to find out why Aurus embraces starting out small (with a big vision) in innovation, which companies he believes are best at innovation, and what advice he’d give to young innovators looking to play a role in shaping retail’s future.

How would you define your company’s approach to innovation?

RM: Innovation was the cornerstone for starting Aurus. Our company is always in search of new problems and challenges with the payments and other industries we serve. Our customers are the greatest source of ideas as well as strategic partners. We then create a “Big Vision” to develop a new solution, but start executing on a small scale. We take incremental steps to solving the challenges and perfect the process along the way. We realize innovation is not a “destination” but an ongoing journey to perfection. As a privately held business, we are able to reinvest a large portion of our profits into developing new solutions while taking a long-term view on delivering an ROI. This creates an intellectually challenging and fun place to work, attracting highly talented software engineers.

What is the most innovative thing that you have introduced into the market and what value did it deliver to the stakeholder group that was its target?
RM: Aurus has developed many innovative and leading-edge solutions over the past decade, including AurusPay®, our 5th generation platform; ‘pay-at-the-pump” mobile wallet; BYOD mobile checkout; and geo-targeting applications. More recently, we developed AurusShield®, our patented secure payment application that is solving the challenges being faced by retailers to protect their payment data against the threat of malware attacks. A data breach can result in substantial loss of revenue, drive customers to competitors and sometimes even result in bankruptcy. AurusShield is an innovative approach in the marketplace, and keeps our customers ahead of the cybercriminals while preparing them for EMV, mobile commerce and other innovative payment solutions.

Where do you look for innovative ideas and why?
RM: Aurus looks everywhere for innovative ideas. First, we try to identify and especially anticipate growing needs in the payment and mobile commerce space. Our clients provide one of the best sources for our innovation. Aurus aggressively focuses on attracting clients who are hungry for innovative solutions to their problems and partner with us during the innovation process. The clients look to us to solve their challenging problems, something that becomes an exhilarating adventure for the Aurus engineering team.

What do you think that most people underestimate about innovating in payments?

RM: Innovators and the general public do not have a detailed understanding of the complexities of the payment infrastructure. The payment process has been evolving over the past 5 decades. There are many stakeholders involved in the process including, bank issuers, processors, networks (Visa, MasterCard, Amex), and merchants. All of the stakeholders have made investments in technology and processes over the years. Innovators often design new solutions, which require large investments on behalf of the stakeholders, to implement. Our approach is to develop solutions that adapt to the existing infrastructure, minimizing or eliminating the need for change in the existing payment process.

What person or company do you think “gets” innovation and why – and, conversely, who or what has missed it and why?

RM: Samsung and Apple seem to be the leaders at the forefront of mobile innovation. On a fairly consistent basis, they are able to develop a new mobile device with incremental and in many cases significant innovative features. In addition, they are leveraging their product lines to deliver new and integrated platforms to address the evolving needs of people on the go. Both companies are starting to branch out into wearable technology, which might enable us to live healthier lives.

On the other hand, RIM, the founders of Blackberry phone, is a good example of an innovator who has lost their way. RIM failed to realize that innovation is a journey, not a destination.

What advice would you give a young innovator in this space and why would you tell her to heed it?

RM: We encourage innovators that have new ideas. There are many cases where we invest with them to bring them to market. The best advice we give our innovating partners is to make sure they are solving a real problem or need. Think big with a grand vision, but focus the company’s innovation on a small, highly targeted element of the problem. Finally, always double the amount of time you think it should take to bring your new innovation to life.

Thứ Sáu, 1 tháng 7, 2016

Scotland, a land of legend, a complex history and some of the best scenery in the world, aroused the passion of adventure in each of us. The famous epic "Braveheart" also was inspired by the scene in Scotland. Actually this is a suitable place for all people, Scotland is a small country the always leave a great impact on all who have ever been to.

Here are the top 10 best places to visit in Scotland

1. Stone House in Mousa

Stone house in Mousa
One of the well-preserved stone houses in the Shetland Islands, this impressive structure is a circular tower lined with stones inside and outside to provide optimal defense strength. The tower was built around the year 100 BC and is the only stone house is completed first.

2. Melrose Abbey

Melrose Abbey
Melrose Abbey was founded in 1136 by Xitô monks, at the request of King David I of Scotland. This works great with the masonic lavish décor is said to keep the heart is marinated of Robert the Bruce, King of Scotland. Really is a place of legend, Melrose Abbey is one of the most important historical architecture in Scotland.

3. Cuillin Hills

Cuillin Hills
Located on the northern island of Skye, the beauty of the peaks stretch of Hills Cuiillin is undeniable.The Hill is formed from two diverse shapes. The Red Cuiillins red granite formation, look more attractive than the black Cuillins, jagged volcanic peaks in the horizon mighty feeling, the feeling of fear the ghost.

4. Skara Brae

Skara Brae
Skara Brae located on the Bay of Skaill, Orkney Islands in the North East of Scotland, is a settlement of Neolithic period stone houses eight was used between 2,500 and 3,200 BC. This ancient settlement is the village of stone the best preserved in Northern Europe. Not only the walls still stand, which a covered walkway with their stone well intact, interior fittings of each provider gives us an interesting perspective on the lives of the people living there more than 5,000 years ago.

5. Stirling Castle

Stirling Catsle
Stirling Castle is one of the most beautiful castles of Scotland. Located on the high vertical rocks of the Castle Hill, it is a solid defensive positions along the steep cliffs around. Experience the art, culture and the State spanning the 16th century in Scotland. History lovers will not want to miss this popular tourist destination.

6. Luskentyre Beach

Luskentyre Beach

Luskentyre beach is located on the spectacular western coast south of Harris in the Outer Hebrides.One of the most beautiful areas of the Scottish coast, sea green, shimmer with smooth sand and green hillsides. Tranquility and timeless, Luskentyre Beach has been voted Britain's best beach.
7. Loch Ness
Loch Ness
One of the most famous Lake in the world, the Lake Loch Ness is the second largest lake in Scotland after the Loch Lomond. About a mile wide, Loch Ness holding most of the legend about a sea monster. The most famous mythological creatures in modern times, Nessie, is said to live in the Lake.With a mysterious atmosphere, attractive area of Loch Ness is not to be missed. You can even see Nessie if lucky!

8. Ben Nevis

Ben Nevis
Located deep in the Highlands of Scotland, Ben Nevis is the highest mountain peak in the Islands in the UK. Beautiful and mysterious history, Ben Nevis are very attracted to people watching, hiking and mountain climbing is the sport in line with the tranquility of the surrounding nature. The mountain can be approached through an artificial path zig zag to the South side of it, while the rock face on the northwest side of the mountain for those who experienced mountain climbers.

9. Eilean Donan

Eilean Donan
Eilean Donan is a small island in Loch Duich, Highlands of Western Scotland. Connected to the Mainland by a bridge, the island was controlled by a medieval castle in the picturesque. This castle was originally built in the early 13th century to fight against the Vikings. Today, the castle is one of the most photographed monuments in Scotland and is a popular venue for weddings as well as filming locations. It has appeared in movies such as Highlander and The World Is Not Enough.

10. Edinburgh Castle

Edinburgh Castle


Edinburgh Castle is an excellent example of Scottish architecture, it is also an important military area. Located high on top of a volcano has ceased operations as the Castle dominating this time. Its presence can be seen for miles away from every direction. Threatens all who dare to challenge Scotland, EdinburghCastle is used for all their major battles and a strategic military planning. A powerful status symbol of perseverance and struggle for independence, the Edinburgh Castle is one of the top tourist destinations inScotland.

We hopes the above information useful for you. And wish you have a fun and happy trip to Scotland.

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