linked products, despite volatility in the capital market.
As performance data from other Asian Takaful markets such as Indonesia and Brunei are yet to be available, much remains to be seen whether they can maintain the growth momentum from previous years.
The Takaful industry has so far managed the pandemic well. A recent Swiss Re consumer survey revealed that a majority of the customers in Malaysia (84%) felt that their expectations with regards to claims were well met.
COVID-19 has undoubtedly accelerated the digitalization of the Takaful industry. Physical lockdowns and social distancing have led to greater consumer demand for an end-to-end online customer journey, from researching for information to purchasing policies and submitting claims through digital channels. One in two (51%) Malaysians were open to buying Takaful online, although agents and brokers still play a strong role, and similar trends are observed in Indonesia.
The pandemic has also led to a higher interest in Takaful, especially in medical, critical illness and family products In Indonesia, 42% of the consumers surveyed were willing to consider switching from conventional to Shariah insurance.
Aside from consumers, the pandemic has also led to a slowdown of regulatory activities as regulators refocused their efforts on maintaining the stability of the finance industry including Takaful. As a result, some regulatory changes, such as the second phase of liberalizing motor and fire insurance in Malaysia, have been postponed.
At the same time, some key initiatives such as the requirements to spin off Takaful in Indonesia by 2024 are still going ahead. Similarly, Bank Negara Malaysia has issued new regulations relating to climate change and sustainability in Malaysia.
One key initiative which continued despite COVID-19 is the preparation for the upcoming implementation of IFRS 17. The Malaysian Takaful Association has set up a working group together with consultants and other stakeholders to address implementation issues specific to Takaful. Regular industry forums were held and several guidance notes issued to support the industry’s transition.
Preview of 2021
While uncertainties remain about how economies and societies will recover in a post-COVID environment, four key themes have emerged as we look ahead to 2021:
1. Increased agility: To succeed in the ‘new normal’, Takaful companies will have to be more agile, adapting to change rapidly. Business continuity strategies such as work-from-home arrangements, shorter product development cycles and restructured distribution channels will play a key role.
2. Accelerated digitalization: Companies will need to ramp up their digitalization efforts to create a seamless and efficient customer experience to cater to an increasingly digital consumer market. It will also enable better access to new customer segments such as young consumers and the lower income class.
3. Higher awareness and demand: As consumer awareness of the benefits of Takaful grows, and with government budgets stretched to support recovery, the private sector can play a key role in supplementing protection provided by the public sector in the past.
4. Value-based Takaful: COVID-19 has reinforced the need to look more thoroughly at topics such as the enhancement of social resilience, community empowerment, sustainability and environmental protection. Having a value-driven agenda embracing these issues can further elevate the potential growth of Takaful.
Conclusion
‘Every cloud has a silver lining’ — it is up to the Takaful industry in Asia to optimize opportunities in the current situation to continue its growth in 2021.
Marcel Omar Papp is the head of Swiss Re Retakaful. He can be contacted at [email protected]You always have the right to feel anything you feel because you can't control your emotions. What you can control is how you act. 

Personally, I think especially romantic relationships are built on a foundation of communication. That said, I do think the thoughts are a result of your insecurity, and that that is something you should discuss with her. Tell her you've been feeling insecure, and that you've been interpreting situations negatively, such as with this situation. You should probably emphasise that it aren't her actions that cause you to feel this way, because that's not the case, but your interpretation of events, so that she is less likely to feel attacked. It's hard to discuss these kind of things because people have a tendency to feel attacked, but being open about insecurities and the like is the only way you don't end up bottling things up. Also, trust is something you build up through learning that people won't betray you in the way you think they will. If you've never been in such a situation before with your significant other, but you have been betrayed by someone else like this, then your brain's default won't be 'trust them'. Communication is how you learn to trust someone. 

I know everyone always says you should trust your significant other, but I personally don't believe you should have an undying faith in anyone unless they prove to be worthy of said faith, and that they can only do by you being open about your insecurities and them reassuring you that nothing is wrong; you'll then learn to trust them.[Rails problem]create IP address range?
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field? It should be available in the controller in params.Intel Core i7-940 is processor manufactured by Intel and launched in Q4 2008. It's using LGA1366 socket. It has 4 cores and 8 threads with clock of 2.9 GHz that can turbo clock itself to 3.2 GHz. This processor is used in Desktop devices and can consume up to 130 watts of power.6.6.2. How to work with serial numbers?
Geometric Style Transfer

Neural style transfer (NST), where an input image is rendered in the style of another image, has been a topic of considerable progress in recent years. Research over that time has been dominated by transferring aspects of color and texture, yet these factors are only one component of style. Other factors of style include composition, the projection system used, and the way in which artists warp and bend objects. Our contribution is to introduce a neural architecture that supports transfer of geometric style. Unlike recent work in this area, we are unique in being general in that we are not restricted by semantic content. This new architecture runs prior to a network that transfers texture style, enabling us to transfer texture to a warped image. This form of network supports a second novelty: we extend the NST input paradigm. Users can input content/style pair as is common, or they can chose to input a content/texture-style/geometry-style triple. This three image input paradigm divides style into two parts and so provides significantly greater versatility to the output we can produce. We provide user studies that show the quality of our output, and quantify the importance of geometric style transfer to style recognition by humans.


Introduction
Neural style transfer (NST) is an active area of research with the aim of synthesising artistic images. The most common paradigm is to input two images, one provides the content that the output should contain, the other input indicates the "style" in which the provided content is to be rendered. To date, NST has been dominated by the transfer of texture, but artistic style is not characterised by texture alone. Style includes changes of shape of objects, rules of composition, the projection model used, and many other factors.
Our contribution is to step closer to artistic styles by including geometric style transfer (GST) that changes the shape of the content image to better match shapes in the style image. Figure 1 demonstrates that transfer of geometric style yields an output that is a closer match to the style image that can be achieved by texture alone. This paper appeals to a little of the Art History literature to argue for the importance of GST, explains how it can be achieved in a general setting, and provides empirical evidence that GST yields output closer to the target style than texture transfer alone.
The style of an artist, or a school of artists, is only partly characterized by the way they make marks on the image surface. More than sixty years ago, Art Theorist Rudolf Arnheim [2] argued that art style should be described by attributes such as color, shape, and composition. Just over forty years later another Art Theorist, John Willats, was also concerned with art style and coined the terms projection style and denotation style. Denotation refers to the way in which an artist makes marks on the image surface. Denotation is impacted by the substrate (paper, canvas, etc.), the media (paint, pencil, etc.) and the application method. Projection refers to the spatial organisation of parts [52], it includes both standard cameras and orthogonal cameras, but more generally refers to the spatial organization of an objects parts. Willats shows that projection variety is at least if not more important than denotation variety in characterizing style. For example, ancient Egyptian art is characterised by the way people are unnaturally posed; Byzantine artists routinely used inverse perspective; Chinese artists traditionally used orthogonal pro-jection; Cubism exhibits a multitude of views in a single image. Denotation is important, but ancient Egyptian art (say) is recognizable in paintings, in bas-relief, in sculpture -all of which differ in denotation but share the same "projection" variety.
It is worth noting that the geometric changes humans introduce tend not to be arbitrary. Some artists deform shape to bring emphasis to some aspect of the subject being depicted. For example, Stubbs would deliberately paint bulls to be larger and stronger than any real bull could be -he did so to please the landowners whose