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Preface: I don't hire people as employees, I hire contractors on a per-job basis, and only as needed, so my approach may be a little different to someone looking to fill a long-term position. I also don't do it terribly often, probably a couple times a year, so please take my opinions here with a grain of salt.I'm a strong believer that a programmer's code speaks for itself - I don't think contrived interview questions are representative of real-world programming - so for me the interview is about whether their personality is a good fit. By the time I interview someone I've already looked at code samples (so have them ready, or ideally, have some projects posted on github!). That said, this is what I look for in a junior PHP developer:demonstrates a solid grasp of basic PHP syntax and programming concepts - correct use of flow control structures, functions, assignment and comparison operatorsfamiliar with both procedural and object-oriented stylesuses basic best practices, like avoiding global variables, consistent variable, class and function naming, consistent parameter order in functionsbasic familiarity with HTML and CSS - I want to see appropriate use of the basic HTML tags and attributes (should understand basic HTML document structure, block vs. inline elements, HTML should generally not be cluttered, ambiguous, or broken), emphasis on structure over presentation in HTML, and consistent, correct use of basic attributes used in CSS selectors (IDs, classes)clean, consistent, readable code style - especially consistent use of indentation, line length and carriage returns so I can understand code structurefamiliarity with modern parts of the standard library, especially when it comes to avoiding outdated, deprecated, or dangerous features (avoids use of old msyql API, abuse of eval(), other silly things that create errors and security holes)basic familiarity with version control, preferably Gitcode samples should run without fatal errors during normal use, and without an abundance of warnings and notices from the PHP interpreterOn the other hand I don't necessarily expect a junior developer to be familiar with specialized or obscure language features, specific frameworks that aren't applicable to the current job, or more advanced tools and their more obscure features (for example, in PHP, it's ok at this level to not know how to get xdebug working, or how to rebase a github repo correctly). I don't expect code to be fancy, elegant, or clever. I just want it to be readable and run clean, so that I'm not saddled with a mess that I or someone else has to clean up before code is ready to be used in production.I'll also look for specific skills related to the job - for example, if I need someone to help build a wordpress template, I want to see prior work with wordpress, and I'll ask about past projects.During the interview itself I'm looking for communication skills, including english fluency and a compatible personality, and the impression that they're ready and willing to learn the specifics of the job. I also believe a junior developer shouldn't be overly opinionated or overconfident; at that stage they don't have the practical experience to have informed opinions about the intricacies of programming or their own abilities. Novice programmers with "rockstar"/arrogant attitudes tend to be difficult to work with and resistant to integrating with an existing team.

It is important to understand that HIV infection, does not equal AIDS. An AIDS diagnosis comes after HIV has been working away inside the body for a very long time (for the purposes of this discussion). Years, with an 's' on the end and that is me just sayin' to you, that it's gonna happen some time in the future. Don't know for sure when. But sometime. Later on. What Is AIDS?AIDS is a culminating set of conditions, defined by at least one specific ailment/disease or cancer. That 'AIDS defining illness' from an opportunistic infection Opportunistic Infections, has advanced or grown in capacity to where it will impair the host in some way AND is of sufficient magnitude where it can be diagnosed by medical science. These ailments/diseases or cancers have manifested because of that long standing and probably at times even a severe suppression of the immune system. Like up there....years, with the 's'. AIDS, Case Definition ofHIV specifically attaches to one of the important immune cells (CD4) that would be fighting, and otherwise hold harmless those ailments/diseases or cancers. The part I have always found ironic is; once HIV is attached to a CD4 cell, HIV then hijacks the mechanics of that CD4 cell for the job of reproducing more HIV virus. Clones. Then the clones attack more CD4 cells and the process explodes in numbers. The body is left deficient of those important CD4 immune cells and that's why we came down with that nasty ailment/disease or cancer in the first place. The HIV Life CycleThe pharmaceutical bonanza of astronomically-priced medicines available in the USA in regards to HIV treatment, are designed to keep HIV reproduction so very limited in numbers, that the immune system is virtually left alone to function at near-normal capacity.All of the drugs on the market today, are not intended to treat AIDS. AIDS is treated by addressing the specific ailment/disease or cancer that has manifested itself because HIV took down those CD4s. But, an AIDS diagnosis can't be made in the first place, as long as we take early control of the HIV infection and keep the HIV viral load down super-low or "undetectable" in a blood sample. "Undetectable Viral Load" doesn't mean we have achieved zero HIV in the body. Undetectable means that the amount of HIV in the blood is so low, that the test we use to total-up the HIV can't measure a number that low. U.S. Antiretroviral Therapy GuidelinesPeople actively fighting AIDS in the USA are now, a small number. Those people who do progress to an AIDS diagnosis are people who are having difficulty with AntiRetroviral Treatment (ART). They may have been infected with HIV which is resistant to the drugs used in ART. It is possible they have an allergic reaction to an ART drug that triggers anaphylaxis. Or possibly debilitating side effects that stop the HIV positive person from continuing their regimen on the combination drug therapy that is used in ART. If someone with HIV can not tolerate the available medicines, HIV will grow in sufficient numbers and one of those other ailments/diseases or cancers will be able to take hold and advance until it achieves an AIDS defining illness.Stages of HIV InfectionBecause the drugs today are treating HIV infection, and designed to keep HIV at super low numbers, people who begin ART immediately and follow the treatment and testing guidelines, have the best chance of living out their lives without facing any significant difference from their HIV negative peers. That's a conditional statement, but it is a doable process albeit a life long commitment by the individual. In there, is some super good news. There is a strategy available through HIV treatment, on how it is possible to get global AIDS cases to zero by 2030. World AIDS Day 2015: Getting to zeroPeople who were infected with HIV in the 1980's and early 1990's, before any HIV treatments were available are where we currently see the most changes in physiology that is rooted in HIV disease. People living with HIV since that medical era are called Long-Term Survivor (LTS) of HIV. An LTS has likely taken a number of different medications over the years to fight HIV with limited success. For an LTS who is currently on ART and fully suppressing their viral load, they will have blood components that bare resemblance to blood that was drawn from a person about 14-15 years older than the chronological age of our HIV positive LTS. It is expected that tissues in the LTSs organs will also show signs of premature aging. But those studies on inflammation and aging are ongoing and we just don't know yet. So even LTSs, who are currently benefitting from the newest medicines used in ART, have the likelihood of decreased life expectancy to go along with the ailments that they are suffering from years of HIV infection and damage done to physiology by pharmaceutical intervention.Life Expectancy & HIV/AIDSAn LTS, and a person diagnosed after 1996 when the first retroviral medications were made into a daily regimen (HAART), and a newly diagnosed HIV positive person, have one thing in common: none of them are fortunate enough to simply take one pill a day and forget about it. There is stigma in our world, there is fatigue from fighting and fear that his been on the backs of people with HIV ever since the very first person suffered and died. These people deal daily, with the ignorance, discrimination and prejudice that others express.The Basics of HIV Stigma and DiscriminationVideo: What Is HIV Stigma? What Would a World Without Stigma Look Like?The Sound of Stigma - My Fabulous DiseaseStigma Index Empowers People With HIV to Make Stigma Visible, Confront InjusticeThe following medical disclaimer was created using a Contractology template available at http://www.freenetlaw.com.No adviceThis website contains general information about medical conditions and treatments. The information is not advice, and should not be treated as such.Limitation of warrantiesThe medical information on this website is provided “as is” without any representations or warranties, express or implied. Quora makes no representations or warranties in relation to the medical information on this website.Without prejudice to the generality of the foregoing paragraph, Quora does not warrant that:the medical information on this website will be constantly available, or available at all; orthe medical information on this website is complete, true, accurate, up-to-date, or non-misleading.Professional assistanceYou must not rely on the information on this website as an alternative to medical advice from your doctor or other professional healthcare provider.If you have any specific questions about any medical matter you should consult your doctor or other professional healthcare provider.If you think you may be suffering from any medical condition you should seek immediate medical attention.You should never delay seeking medical advice, disregard medical advice, or discontinue medical treatment because of information on this website.LiabilityNothing in this medical disclaimer will limit any of our liabilities in any way that is not permitted under applicable law, or exclude any of our liabilities that may not be excluded under applicable law.

Basel III, risk and compliance management trainingBasel iii Compliance Professionals Association (BiiiCPA)The Basel iii Compliance Professionals Association (BiiiCPA) develops and maintains four certification programs and many tailor-made training programs for directors, executive managers, professionals, consultants, vendors, service providers, auditors and legal counsels around the world. Subject matter experts review and update this body of knowledge.1. Course TitleCertified Basel iii Professional (CBiiiPro)Objectives:The seminar has been designed to provide with the knowledge and skills needed to understand the new Basel III framework and to work in Basel III Projects.The course provides with the skills needed to pass the exam and become a Certified Basel iii Professional (CBiiiPro).Target Audience:This course is intended for managers, professionals, consultants, service providers and vendors working for Banks, Financial Organizations, Financial Groups and Financial Conglomerates. They need to understand not only the new Basel III requirements, challenges and opportunities, but also the regulatory differences for branches and subsidiaries or their bank around the world.This course is highly recommended for:- Managers and Professionals involved in Basel III (decision making and implementation)- Risk and Compliance Officers- Auditors- IT Professionals- Strategic Planners- Analysts- Legal Counsels- Process OwnersCourse Synopsis:What is Basel III?•The Basel III papers•Was Basel II responsible for the market crisis?•Introduction to the Basel III Amendments•The Financial Stability Board (FSB), the G20 and the Basel III framework1. The New Basel III Principles for risk management and corporate governanceThe key areas where the Basel Committee believes the greatest focus is necessary1.Board practices2.Senior management3.Risk management and internal controls4.Compensation5.Complex or opaque corporate structures6.Disclosure and transparencySound Practices for the Management of Operational Risk•The 9 principles2. The Quality of Capital•The numerator: A strict definition of capital•Limits and Minima•Common Equity Tier 1•Common shares issued by the bank•Additional Tier 1 capital•Tier 2 capital•Investments held by banks in capital instruments of other banks and financial and insurance entities•The corresponding deduction approach and the changes in the business model•Double Gearing and Basel III•Securitisation and Resecuritisation3. The Risk Weighted Assets•The denominator: Enhanced risk coverage•Understanding securitization4. The Capital Ratio•In addition to the quality of capital and risk coverage•Calibration•Transition period5. Global Liquidity Standards•Introduction of global minimum liquidity standards•The Liquidity Coverage Ratio (LCR) that makes banks more resilient to potential short-term disruptions•Stock of high-quality liquid assets•Total net cash outflows•The Net Stable Funding Ratio (NSFR) that addresses longer-term structural liquidity mismatches•Available stable funding (ASF)•Required stable funding (RSF)•Contractual maturity mismatch•Concentration of funding•Available unencumbered assets•LCR by significant currency•Market-related monitoring tools•Transitional arrangements6. Capital Conservation•Distribution policies that are inconsistent with sound capital conservation principles•Supervisors enforce capital conservation discipline7. Leverage Ratio•Strong Tier 1 risk based ratios with high levels of on and off balance sheet leverage•Simple, non-risk-based leverage ratio•Introducing additional safeguards against model risk and measurement error•Calculation of the leverage ratio. The January 2014 amendment.8. Countercyclical Capital Buffer•Procyclical or Countercyclical?•The new countercyclical capital buffer•Home / Host Challenges•Guidance for national authorities operating the countercyclical capital buffer•Principles underpinning the role of judgement•Principle 1: (Objectives)•Principle 2: (Common reference guide)•Principle 3: (Risk of misleading signals)•Principle 4: (Prompt release)•Principle 5: (Other macroprudential tools)•Jurisdictional reciprocity•Frequency of buffer decisions and communications•Treatment of surplus when buffer returns to zero•Interaction with Pillar 1 and 29. Systemically Important Financial Institutions (SIFIs)•SIFIs and G-SIFIs•Improvements to resolution regimes•Additional loss absorption capacity•More intensive supervisory oversight•Stronger robustness standards•Peer review•Developments at the national and regional level•The Financial Stability Oversight Council (FSOC)•The European Systemic Risk Board (ESRB)•Strengthening SIFI supervision10. Systemically Important Markets and Infrastructures (SIMIs)•The Basel Committee and Financial Stability Board endorse central clearing and trade reporting on OTC derivatives•Derivative counterparty credit exposures to central counterparty clearing houses (CCPs)11. Risk Modelling, Stress Testing and Scenario Analysis•Capture of systemic risk/tail events in stress testing and risk modelling•VaR shortcomings: the normality assumption•Need for a strong stress testing programme•Systemic risk capture in banks’ risk models12. Stressed Value-at-Risk (S-VaR), Counterparty Credit Risk (CCR), Credit Valuation Adjustment (CVA), Wrong-Way Risk•Overview of the new requirements•Stressed Value-at-Risk (S-VaR)•Counterparty Credit Risk (CCR)•Credit Valuation Adjustment (CVA)•Wrong-Way RiskPillar 2 Amendments: Stress testing•Principles for sound stress testing practices and supervision•Use of stress testing and integration in risk governance•Stress testing methodologies•Scenario selection•Principles for sound stress testing practices and supervision•Firm-wide stress testing•15 stress testing principles for banks•6 stress testing principles for supervisorsRecognising the risk-mitigating impact of insurance in operational risk modelling•Insurance industry supervision•Banking supervisors’ assessment processes•Approval of insurance contracts•Revoking approval for recognising insurance mitigation in capital•Maximum 20% operational risk capital charge reduction•Modelling methodology•Traditional and proposed insurance policies•Criteria for recognising insurance mitigation•Partial insurance modelingUnderstanding Supervisory Colleges•Good practice principles on supervisory colleges•Principles for both home and host supervisors•Principle 1: College objectives•Principle 2: College structures•Home supervisors, Host supervisors•Principle 3: Information sharing•Principle 4: Communication channels•Principle 5: Collaborative work•Principle 6: Interaction with the institution•Principle 7: Crisis management•Principle 8: Macroprudential work•Case Study: Committee of European Banking Supervisors, Joint decision on model validationBasel III for international financial organizations•The Dodd-Frank Act in the USA and the Basel III framework•The Capital Requirements Directives (II, III, IV) of the European Union and the Basel III frameworkThe Impact of Basel III•Investment Banking, Corporate Banking, Retail Banking•Investment banks are primarily affected, particularly in trading and securitization businesses•The new capital rules have a substantial impact on profitability•Banks with insurance subsidiaries•Minority investments after Basel III•Interaction between Solvency II and Basel III•Regulatory Arbitrage after Basel III•Examples and Case Studies•Closing remarksReference - Islamic Banking and Basel IIIMany Basel iii professionals need to have a good understanding of the Basel iii equivalent rules in Islamic BankingThis presentation is not necessary for the examThere are no questions based on these slides•Islamic Banking and Basel ii / Basel iii•Islamic finance has continued to expand its potential as a sustainable and stable form of financial intermediation•Basel iii is designed for conventional banks•Profit Sharing Investment Accounts (PSIA)•The Basel II / Basel III equivalent rules developed by the Islamic Financial Standards Board (IFSB) and the Islamic Development Bank (IDB)•The liquidity risk management and liquidity ratios challenge•The setting up of the Accounting and Auditing Organisation for Islamic Financial Institutions (AAOIFI) and the Islamic Financial Stability Forum (IFSF)•IFSB-13: Stress Testing principles•IFSB-12: Liquidity Risk•IFSB-10: Governance•Closing Remarks2. Course TitleCertified Pillar 2 Expert - Basel 3 (CP2E-B3)Objectives:The seminar has been designed to provide with the knowledge and skills needed to understand better the Second Pillar of the Basel III framework and to work in Basel III Pillar 2 Projects.The course provides with the skills needed to pass the exam and become a Certified Pillar 2 Expert - Basel 3 (CP2E-B3).Target Audience:This course is intended for managers, professionals, consultants, service providers and vendors working for Banks, Financial Organizations, Financial Groups and Financial Conglomerates. They need to understand not only the new Basel III requirements, challenges and opportunities, but also the regulatory differences for branches and subsidiaries or their bank around the world.This course is highly recommended for:- Managers and Professionals involved in the Second Pillar of Basel III (decision making and implementation)- Risk and Compliance Officers- Auditors- IT Professionals- Strategic Planners- Analysts- Legal Counsels- Process OwnersCourse Synopsis:•The Second Pillar of Basel 2•Revised Core Principles for Effective Banking Supervision•From the Second Pillar of Basel 2 to the Second Pillar of Basel 3•The new ICAAP•Basel III Pillar 2 Guidelines•Basel III Pillar 2 Guidelines and Case Studies in the USA•Basel III Pillar 2 Guidelines and Case Studies in the EU•Basel III Pillar 2 Guidelines and Case Studies in the G20 countries•Basel III Pillar 2 Guidelines and Case Studies in Other CountriesNOTES:1.The US, EU and UK rules implementing Basel III follow many aspects of Basel III closely, but there are so many differences in approach in several key areas. Many G20 countries choose options and national discretions that make them “materially non-compliant” or “largely compliant” with Basel III. We organize in-house instructor-led training in major financial organizations, where we tailor the program to meet specific requirements.2.It is highly recommended to study the Certified Basel iii Professional (CBiiiPro) Program before the Certified Pillar 2 Expert - Basel 3 (CP2E-B3) Program.3. Course TitleCertified Pillar 3 Expert - Basel 3 (CP3E-B3)Objectives:The seminar has been designed to provide with the knowledge and skills needed to understand the Third Pillar of the new Basel III framework and to work in Basel III Projects.The course provides with the skills needed to pass the exam and become a Certified Pillar 3 Expert - Basel 3 (CP3E-B3).Target Audience:This course is intended for managers, professionals, consultants, service providers and vendors working for Banks, Financial Organizations, Financial Groups and Financial Conglomerates. They need to understand not only the new Basel III requirements, challenges and opportunities, but also the regulatory differences for branches and subsidiaries or their bank around the world.This course is highly recommended for:- Managers and Professionals involved in the third Pillar of Basel III (decision making and implementation)- Risk and Compliance Officers- Auditors- IT Professionals- Strategic Planners- Analysts- Legal Counsels- Process OwnersCourse Synopsis:•Revised Pillar 3 disclosure requirements•Introduction•Guide for disclosure of Pillar 3 information•Scope of application•Implementation date•Reporting location•Frequency and timing of disclosures•Assurance of Pillar 3 data•Proprietary and confidential information•Guiding principles for banks’ Pillar 3 disclosures•Principle 1: Disclosures should be clear•Principle 2: Disclosures should be comprehensive•Principle 3: Disclosures should be meaningful to users•Principle 4: Disclosures should be consistent over time•Principle 5: Disclosures should be comparable across banks•Presentation of the disclosure requirements•Templates and tables•Templates with a fixed format•Templates/tables with a flexible format•Signposting•Qualitative narrative to accompany the disclosure requirements•Format and reporting frequency of each disclosure requirement•Overview of risk management and RWA•Linkages between financial statements and regulatory exposures•Credit risk•General information about credit risk•Credit risk mitigation•Credit risk under standardised approach•Credit risk under internal risk-based approaches•Counterparty credit risk•Securitisation•Quantitative disclosure - description of a bank’s securitisation exposures•Quantitative disclosure – calculation of capital requirements•Market risk•Operational risk•Interest rate risk in the banking book (unchanged)•Abbreviations•Pillar 3 disclosure requirements for remuneration•Background and objectives•Pillar 3 disclosure requirements•Scope of application•Method and frequency of disclosure•Key disclosures•Composition of capital disclosure requirements•Introduction•Post 1 January 2018 disclosure template•Reconciliation requirements•Main features template•Other disclosure requirements•Template during the transitional period•Global systemically important banks: updated assessment methodology and the higher loss absorbency requirement•Introduction•Methodology for assessing systemic importance of G-SIBs•A. Indicator-based measurement approach•B. Sample of banks•C. Bucketing approach•D. Supervisory judgment•E. Periodic review and refinement•F. Disclosure requirements•The magnitude of the higher loss absorbency requirement and its impact•Instruments to meet the higher loss absorbency requirement•Interaction with other elements of the Basel III framework•Liquidity coverage ratio disclosure standards•Introduction•Disclosure requirements•Guidance on additional disclosures•Basel III leverage ratio framework and disclosure requirements•Introduction•Disclosure requirements•Implementation date, frequency and location of disclosure•Disclosure templates•Summary comparison table•Common disclosure template and explanatory table, reconciliation and other requirements•Basel III Pillar 3 Guidelines in the USA•Basel III Pillar 3 Guidelines in the EU•Basel III Pillar 3 Case Studies4. Course TitleCertified Stress Testing Expert - Basel 3 (CSTE-B3)Objectives:The seminar has been designed to provide with the knowledge and skills needed to understand the new Financial Stress Testing requirements of the Basel III framework and to work in Basel III Projects.The course provides with the skills needed to pass the exam and become a Certified Stress Testing Expert - Basel 3 (CSTE-B3).Target Audience:This course is intended for managers, professionals, consultants, service providers and vendors working for Banks, Financial Organizations, Financial Groups and Financial Conglomerates. They need to understand not only the new Basel III requirements, challenges and opportunities, but also the regulatory differences for branches and subsidiaries or their bank around the world.This course is highly recommended for:- Managers and Professionals involved in Financial Stress Testing after Basel III (decision making and implementation)- Risk and Compliance Officers- Auditors- IT Professionals- Strategic Planners- Analysts- Legal Counsels- Process OwnersCourse Synopsis:•The Basel III papers•Stress Testing Before and After the Crisis•Basel III Stress Testing Guidelines•Basel III Stress Testing Guidelines and Case Studies in the USA•Basel III Stress Testing Guidelines and Case Studies in the EU•Basel III Stress Testing Guidelines and Case Studies in the G20 countries•Basel III Stress Testing Guidelines and Case Studies in Other CountriesNOTES:1.The US, EU and UK rules implementing Basel III follow many aspects of Basel III closely, but there are so many differences in approach in several key areas. Many G20 countries choose options and national discretions that make them “materially non-compliant” or “largely compliant” with Basel III. We organize in-house instructor-led training in major financial organizations, where we tailor the program to meet specific requirements.2.It is highly recommended to study the Certified Basel iii Professional (CBiiiPro) Program before the Certified Stress Testing Expert - Basel 3 (CSTE-B3) Program.you may contact them through email for further : [email protected]