Tandem is one of the UK's original challenger banks. Tandem is a digital bank with a mobile app, and no branches. The acquisition of Harrods Bank in 2017 allowed the company to provide services using the former's banking licence. Tandem Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority. Tandem has offices across the UK in Blackpool, Cardiff, Durham and London, employing over 500 people. == History == The company was founded by Ricky Knox, Matt Cooper and Michael Kent in 2014. In December 2016, Tandem announced that it had secured a £35 million investment from The Sanpower Group, the Chinese company that also owned the department store House of Fraser; however, £29 million of this investment was later revoked by Sanpower over concerns that the Chinese Government would object to the investment following increased restrictions on outbound investment in China. This resulted in a delay in the launch of Tandem's savings products, which, at the time of the revocation, was expected imminently and, more importantly, meant that Tandem volunteered the return of their banking license but retained all other permissions. In April 2018, Tandem launched fixed-term savings accounts, offering one-, two- and three-year terms through its app. === Acquisitions === In August 2017, it was announced that Tandem would fully acquire Harrods Bank, founded in 1893, in a deal that would bring a near-£200m loan book, over £300m of deposits and nearly £80 million of capital. Prior to its sale to Tandem Money, Harrods Bank catered for high-net-worth (HNW) individuals and operated from the Harrods store in Knightsbridge, London. It offered a variety of personal and business current and savings accounts, mortgages, foreign currency and gold bullion trading services. On 7 August 2017, Tandem Money Limited announced a deal to acquire 100% of Harrods Bank Limited shares. The purchase deal closed successfully on 11 January 2018. In March 2018, Tandem agreed to acquire Pariti Technologies Limited, developers of the Pariti money management application. In August 2020 Tandem acquired green home improvement loan specialists Allium Lending Group. It was announced on 8 February 2021 that Tandem had agreed to purchase the mortgage book from private bank Bank and Clients, consisting of 300 B&C customers for an undisclosed amount. In January 2022 Tandem Bank acquired consumer lender Oplo, creating a combined business with £1.2 billion of total assets. In April 2023, it was announced that Tandem had acquired money-sharing app Loop Money. At the time of the purchase, one of Loop's founders – Paul Pester – was also chairman at Tandem. == Features == Tandem Bank offers customers savings, mortgages, personal and secured loans, green home improvement loans and motor finance. In November 2022, the bank launched its new Tandem Marketplace, providing information and resources to help promote greener living.
Screen space ambient occlusion
Screen space ambient occlusion (SSAO) is a computer graphics technique for efficiently approximating the ambient occlusion effect in real time. It was developed by Vladimir Kajalin while working at Crytek and was used for the first time in 2007 by the video game Crysis, also developed by Crytek. == Implementation == The algorithm is implemented as a pixel shader, analyzing the scene depth buffer which is stored in a texture. For every pixel on the screen, the pixel shader samples the depth values around the current pixel and tries to compute the amount of occlusion from each of the sampled points. In its simplest implementation, the occlusion factor depends only on the depth difference between sampled point and current point. Without additional smart solutions, such a brute force method would require about 200 texture reads per pixel for good visual quality. This is not acceptable for real-time rendering on current graphics hardware. In order to get high quality results with far fewer reads, sampling is performed using a randomly rotated kernel. The kernel orientation is repeated every N screen pixels in order to have only high-frequency noise in the final picture. In the end this high frequency noise is greatly removed by a NxN post-process blurring step taking into account depth discontinuities (using methods such as comparing adjacent normals and depths). Such a solution allows a reduction in the number of depth samples per pixel to about 16 or fewer while maintaining a high quality result, and allows the use of SSAO in soft real-time applications like computer games. Compared to other ambient occlusion solutions, SSAO has the following advantages: Independent from scene complexity. No data pre-processing needed, no loading time and no memory allocations in system memory. Works with dynamic scenes. Works in the same consistent way for every pixel on the screen. No CPU usage – it can be executed completely on the GPU. May be easily integrated into any modern graphics pipeline. SSAO also has the following disadvantages: Rather local and in many cases view-dependent, as it is dependent on adjacent texel depths which may be generated by any geometry whatsoever. Hard to correctly smooth/blur out the noise without interfering with depth discontinuities, such as object edges (the occlusion should not "bleed" onto objects). Because SSAO operates only on the current depth buffer, it can miss occluding geometry that is not rasterized into the z-buffer and may produce undersampling-related artifacts.
Albert One
Albert One is an artificial intelligence chatbot created by Robby Garner and designed to mimic the way humans make conversations using a multi-faceted approach in natural language programming. == History == In both 1998 and 1999, Albert One won the Loebner Prize Contest, a competition between chatterbots. Some parts of Albert were deployed on the internet beginning in 1995, to gather information about what kinds of things people would say to a chatterbot. Another element of Albert One involved the building of a large database of human statements, and associated replies. This portion of the project was tested at the 1994-1997 Loebner Prize contests. Albert was the first of Robby Garner's multifaceted bots. The Albert One system was composed of several subsystems. Among those were a version of Eliza, the therapist, Elivs, another Eliza-like bot, and several other helper applications working together in a hierarchical arrangement. As a continuation of the stimulus-response library, various other database queries and assertions were tested to arrive at each of Albert's responses. Robby went on to develop networked examples of this kind of hierarchical "glue" at The Turing Hub.
Grammatik
Grammatik was the first grammar-checking program for home computers. Aspen Software of Albuquerque, NM, released the earliest version of this diction and style checker for personal computers. It was first released no later than 1981, and was inspired by the Writer's Workbench. Grammatik was first available for the TRS-80, and soon had versions for CP/M and the IBM PC. Reference Software International of San Francisco, California, acquired Grammatik in 1985. Development of Grammatik continued, and it became an actual grammar checker that could detect writing errors beyond simple style checking. Subsequent versions were released for MS-DOS, Windows, Macintosh, and Unix. Grammatik was ultimately acquired by WordPerfect Corporation and is integrated into the WordPerfect word processor.
Randomized Hough transform
Hough transforms are techniques for object detection, a critical step in many implementations of computer vision, or data mining from images. Specifically, the Randomized Hough transform is a probabilistic variant to the classical Hough transform, and is commonly used to detect curves (straight line, circle, ellipse, etc.) The basic idea of Hough transform (HT) is to implement a voting procedure for all potential curves in the image, and at the termination of the algorithm, curves that do exist in the image will have relatively high voting scores. Randomized Hough transform (RHT) is different from HT in that it tries to avoid conducting the computationally expensive voting process for every nonzero pixel in the image by taking advantage of the geometric properties of analytical curves, and thus improve the time efficiency and reduce the storage requirement of the original algorithm. == Motivation == Although Hough transform (HT) has been widely used in curve detection, it has two major drawbacks: First, for each nonzero pixel in the image, the parameters for the existing curve and redundant ones are both accumulated during the voting procedure. Second, the accumulator array (or Hough space) is predefined in a heuristic way. The more accuracy needed, the higher parameter resolution should be defined. These two needs usually result in a large storage requirement and low speed for real applications. Therefore, RHT was brought up to tackle this problem. == Implementation == In comparison with HT, RHT takes advantage of the fact that some analytical curves can be fully determined by a certain number of points on the curve. For example, a straight line can be determined by two points, and an ellipse (or a circle) can be determined by three points. The case of ellipse detection can be used to illustrate the basic idea of RHT. The whole process generally consists of three steps: Fit ellipses with randomly selected points. Update the accumulator array and corresponding scores. Output the ellipses with scores higher than some predefined threshold. === Ellipse fitting === One general equation for defining ellipses is: a ( x − p ) 2 + 2 b ( x − p ) ( y − q ) + c ( y − q ) 2 = 1 {\displaystyle a(x-p)^{2}+2b(x-p)(y-q)+c(y-q)^{2}=1} with restriction: a c − b 2 > 0 {\displaystyle ac-b^{2}>0} However, an ellipse can be fully determined if one knows three points on it and the tangents in these points. RHT starts by randomly selecting three points on the ellipse. Let them be X 1 {\displaystyle X_{1}} , X 2 {\displaystyle X_{2}} and X 3 {\displaystyle X_{3}} . The first step is to find the tangents of these three points. They can be found by fitting a straight line using least squares technique for a small window of neighboring pixels. The next step is to find the intersection points of the tangent lines. This can be easily done by solving the line equations found in the previous step. Then let the intersection points be T 12 {\displaystyle T_{12}} and T 23 {\displaystyle T_{23}} , the midpoints of line segments X 1 X 2 {\displaystyle X_{1}X_{2}} and X 2 X 3 {\displaystyle X_{2}X_{3}} be M 12 {\displaystyle M_{12}} and M 23 {\displaystyle M_{23}} . Then the center of the ellipse will lie in the intersection of T 12 M 12 {\displaystyle T_{12}M_{12}} and T 23 M 23 {\displaystyle T_{23}M_{23}} . Again, the coordinates of the intersected point can be determined by solving line equations and the detailed process is skipped here for conciseness. Let the coordinates of ellipse center found in previous step be ( x 0 , y 0 ) {\displaystyle (x_{0},y_{0})} . Then the center can be translated to the origin with x ′ = x − x 0 {\displaystyle x'=x-x_{0}} and y ′ = y − y 0 {\displaystyle y'=y-y_{0}} so that the ellipse equation can be simplified to: a x ′ 2 + 2 b x ′ y ′ + c y ′ 2 = 1 {\displaystyle ax'^{2}+2bx'y'+cy'^{2}=1} Now we can solve for the rest of ellipse parameters: a {\displaystyle a} , b {\displaystyle b} and c {\displaystyle c} by substituting the coordinates of X 1 {\displaystyle X_{1}} , X 2 {\displaystyle X_{2}} and X 3 {\displaystyle X_{3}} into the equation above. === Accumulating === With the ellipse parameters determined from previous stage, the accumulator array can be updated correspondingly. Different from classical Hough transform, RHT does not keep "grid of buckets" as the accumulator array. Rather, it first calculates the similarities between the newly detected ellipse and the ones already stored in accumulator array. Different metrics can be used to calculate the similarity. As long as the similarity exceeds some predefined threshold, replace the one in the accumulator with the average of both ellipses and add 1 to its score. Otherwise, initialize this ellipse to an empty position in the accumulator and assign a score of 1. === Termination === Once the score of one candidate ellipse exceeds the threshold, it is determined as existing in the image (in other words, this ellipse is detected), and should be removed from the image and accumulator array so that the algorithm can detect other potential ellipses faster. The algorithm terminates when the number of iterations reaches a maximum limit or all the ellipses have been detected. Pseudo code for RHT: while (we find ellipses AND not reached the maximum epoch) { for (a fixed number of iterations) { Find a potential ellipse. if (the ellipse is similar to an ellipse in the accumulator) then Replace the one in the accumulator with the average of two ellipses and add 1 to the score; else Insert the ellipse into an empty position in the accumulator with a score of 1; } Select the ellipse with the best score and save it in a best ellipse table; Eliminate the pixels of the best ellipse from the image; Empty the accumulator; }
Clipping (computer graphics)
Clipping, in the context of computer graphics, is a method to selectively enable or disable rendering operations within a defined region of interest. Mathematically, clipping can be described using the terminology of constructive geometry. A rendering algorithm only draws pixels in the intersection between the clip region and the scene model. Lines and surfaces outside the view volume (aka. frustum) are removed. Clip regions are commonly specified to improve render performance. Pixels that will be drawn are said to be within the clip region. Pixels that will not be drawn are outside the clip region. More informally, pixels that will not be drawn are said to be "clipped." == In 2D graphics == In two-dimensional graphics, a clip region may be defined so that pixels are only drawn within the boundaries of a window or frame. Clip regions can also be used to selectively control pixel rendering for aesthetic or artistic purposes. In many implementations, the final clip region is the composite (or intersection) of one or more application-defined shapes, as well as any system hardware constraints In one example application, consider an image editing program. A user application may render the image into a viewport. As the user zooms and scrolls to view a smaller portion of the image, the application can set a clip boundary so that pixels outside the viewport are not rendered. In addition, GUI widgets, overlays, and other windows or frames may obscure some pixels from the original image. In this sense, the clip region is the composite of the application-defined "user clip" and the "device clip" enforced by the system's software and hardware implementation. Application software can take advantage of this clip information to save computation time, energy, and memory, avoiding work related to pixels that aren't visible. == In 3D graphics == In three-dimensional graphics, the terminology of clipping can be used to describe many related features. Typically, "clipping" refers to operations in the plane that work with rectangular shapes, and "culling" refers to more general methods to selectively process scene model elements. This terminology is not rigid, and exact usage varies among many sources. Scene model elements include geometric primitives: points or vertices; line segments or edges; polygons or faces; and more abstract model objects such as curves, splines, surfaces, and even text. In complicated scene models, individual elements may be selectively disabled (clipped) for reasons including visibility within the viewport (frustum culling); orientation (backface culling), obscuration by other scene or model elements (occlusion culling, depth- or "z" clipping). Sophisticated algorithms exist to efficiently detect and perform such clipping. Many optimized clipping methods rely on specific hardware acceleration logic provided by a graphics processing unit (GPU). The concept of clipping can be extended to higher dimensionality using methods of abstract algebraic geometry. === Near clipping === Beyond projection of vertices & 2D clipping, near clipping is required to correctly rasterise 3D primitives; this is because vertices may have been projected behind the eye. Near clipping ensures that all the vertices used have valid 2D coordinates. Together with far-clipping it also helps prevent overflow of depth-buffer values. Some early texture mapping hardware (using forward texture mapping) in video games suffered from complications associated with near clipping and UV coordinates. === Occlusion clipping (Z- or depth clipping) === In 3D computer graphics, "Z" often refers to the depth axis in the system of coordinates centered at the viewport origin: "Z" is used interchangeably with "depth", and conceptually corresponds to the distance "into the virtual screen." In this coordinate system, "X" and "Y" therefore refer to a conventional cartesian coordinate system laid out on the user's screen or viewport. This viewport is defined by the geometry of the viewing frustum, and parameterizes the field of view. Z-clipping, or depth clipping, refers to techniques that selectively render certain scene objects based on their depth relative to the screen. Most graphics toolkits allow the programmer to specify a "near" and "far" clip depth, and only portions of objects between those two planes are displayed. A creative application programmer can use this method to render visualizations of the interior of a 3D object in the scene. For example, a medical imaging application could use this technique to render the organs inside a human body. A video game programmer can use clipping information to accelerate game logic. For example, a tall wall or building that occludes other game entities can save GPU time that would otherwise be spent transforming and texturing items in the rear areas of the scene; and a tightly integrated software program can use this same information to save CPU time by optimizing out game logic for objects that aren't seen by the player. == Algorithms == Line clipping algorithms: Cohen–Sutherland Liang–Barsky Fast-clipping Cyrus–Beck Nicholl–Lee–Nicholl Skala O(lg N) algorithm Polygon clipping algorithms: Greiner–Hormann Sutherland–Hodgman Weiler–Atherton Vatti Rendering methodologies Painter's algorithm
Grammar checker
A grammar checker, in computing terms, is a program, or part of a program, that attempts to verify written text for grammatical correctness. Grammar checkers are most often implemented as a feature of a larger program, such as a word processor, but are also available as a stand-alone application that can be activated from within programs that work with editable text. The implementation of a grammar checker makes use of natural language processing. == History == The earliest "grammar checkers" were programs that checked for punctuation and style inconsistencies, rather than a complete range of possible grammatical errors. The first system was called Writer's Workbench, and was a set of writing tools included with Unix systems as far back as the 1970s. The whole Writer's Workbench package included several separate tools to check for various writing problems. The "diction" tool checked for wordy, trite, clichéd or misused phrases in a text. The tool would output a list of questionable phrases and provide suggestions for improving the writing. The "style" tool analyzed the writing style of a given text. It performed a number of readability tests on the text and output the results, and gave some statistical information about the sentences of the text. Aspen Software of Albuquerque, New Mexico released the earliest version of a diction and style checker for personal computers, Grammatik, in 1981. Grammatik was first available for a Radio Shack - TRS-80, and soon had versions for CP/M and the IBM PC. Reference Software International of San Francisco, California, acquired Grammatik in 1985. Development of Grammatik continued, and it became an actual grammar checker that could detect writing errors beyond simple style checking. Other early diction and style checking programs included Punctuation & Style, Correct Grammar, RightWriter and PowerEdit. While all the earliest programs started as simple diction and style checkers, all eventually added various levels of language processing, and developed some level of true grammar checking capability. Until 1992, grammar checkers were sold as add-on programs. There were a large number of different word processing programs available at that time, with WordPerfect and Microsoft Word the top two in market share. In 1992, Microsoft decided to add grammar checking as a feature of Word, and licensed CorrecText, a grammar checker from Houghton Mifflin that had not yet been marketed as a standalone product. WordPerfect answered Microsoft's move by acquiring Reference Software, and the direct descendant of Grammatik is still included with WordPerfect. As of 2019, grammar checkers are built into systems like Google Docs, browser extensions like Grammarly and Qordoba, desktop applications like Ginger, free and open-source software like LanguageTool, and text editor plugins like those available from WebSpellChecker Software. == Technical issues == The earliest writing style programs checked for wordy, trite, clichéd, or misused phrases in a text. This process was based on simple pattern matching. The heart of the program was a list of many hundreds or thousands of phrases that are considered poor writing by many experts. The list of questionable phrases included alternative wording for each phrase. The checking program would simply break text into sentences, check for any matches in the phrase dictionary, flag suspect phrases and show an alternative. These programs could also perform some mechanical checks. For example, they would typically flag doubled words, doubled punctuation, some capitalization errors, and other simple mechanical mistakes. True grammar checking is more complex. While a programming language has a very specific syntax and grammar, this is not so for natural languages. One can write a somewhat complete formal grammar for a natural language, but there are usually so many exceptions in real usage that a formal grammar is of minimal help in writing a grammar checker. One of the most important parts of a natural language grammar checker is a dictionary of all the words in the language, along with the part of speech of each word. The fact that a natural word may be used as any one of several parts of speech (such as "free" being used as an adjective, adverb, noun, or verb) greatly increases the complexity of any grammar checker. A grammar checker will find each sentence in a text, look up each word in the dictionary, and then attempt to parse the sentence into a form that matches a grammar. Using various rules, the program can then detect various errors, such as agreement in tense, number, word order, and so on. It is also possible to detect some stylistic problems with the text. For example, some popular style guides such as The Elements of Style deprecate excessive use of the passive voice. Grammar checkers may attempt to identify passive sentences and suggest an active-voice alternative. The software elements required for grammar checking are closely related to some of the development issues that need to be addressed for speech recognition software. In voice recognition, parsing can be used to help predict which word is most likely intended, based on part of speech and position in the sentence. In grammar checking, the parsing is used to detect words that fail to follow accepted grammar usage. Recently, research has focused on developing algorithms which can recognize grammar errors based on the context of the surrounding words. == Criticism == Grammar checkers are considered a type of foreign language writing aid which non-native speakers can use to proofread their writings as such programs endeavor to identify syntactical errors. However, as with other computerized writing aids such as spell checkers, popular grammar checkers are often criticized when they fail to spot errors and incorrectly flag correct text as erroneous. The linguist Geoffrey K. Pullum argued in 2007 that they were generally so inaccurate as to do more harm than good: "for the most part, accepting the advice of a computer grammar checker on your prose will make it much worse, sometimes hilariously incoherent."