The Grammar of Graphics (GoG) is a grammar-based system for representing graphics to provide grammatical constraints on the composition of data and information visualizations. A graphical grammar differs from a graphics pipeline as it focuses on semantic components such as scales and guides, statistical functions, coordinate systems, marks and aesthetic attributes. For example, a bar chart can be converted into a pie chart by specifying a polar coordinate system without any other change in graphical specification. The grammar of graphics concept was launched by Leland Wilkinson in 2001 (Wilkinson et al., 2001; Wilkinson, 2005) and graphical grammars have since been written in a variety of languages with various parameterisations and extensions. The major implementations of graphical grammars are nViZn created by a team at SPSS/IBM, followed by Polaris focusing on multidimensional relational databases which is commercialised as Tableau, a revised Layered Grammar of Graphics by Hadley Wickham in Ggplot2, and Vega-Lite which is a visualisation grammar with added interactivity. The grammar of graphics continues to evolve with alternate parameterisations, extensions, or new specifications. == Wilkinson's Grammar of Graphics == === Theory === Wilkinson conceived the seven elements of a graphics to be Variables: mapping of objects to values represented in a graphic Algebra: operations to combine variables and specify dimensions of graphs Geometry: creation of geometric graphs from variables Aesthetics: sensory attributes Statistics: functions to change the appearance and representation of graphs Scales: represent variables on measured dimensions Coordinates: mapping to coordinate systems With these, Wilkinson hypothesised that These seven constructs are orthogonal and virtually all known statistical charts can be generated relatively parsimoniously This computational system is not a taxonomy of charts and rather it describes the meaning of what we do when we construct statistical graphics. === Implementations === Wilkinson wrote SYSTAT, a statistical software package, in the early 1980s. This program was noted for its comprehensive graphics, including the first software implementation of the heatmap display now widely used among biologists. After his company grew to 50 employees, he sold it to SPSS in 1995. At SPSS, he assembled a team of graphics programmers who developed the nViZn platform that produces the visualizations in SPSS, Clementine, and other analytics products. While at Stanford, Tableau founders Hanrahan and Stolte, as well as Diane Tang, created the predecessor to Tableau, named Polaris. Polaris was a data visualization software tool, built with the support of a United States Department of Energy defense program, the Accelerated Strategic Computing Initiative (ASCI). The main differences between Wilkinson's system and Polaris are the use of SQL relational algebra for database services and using shelves instead of cross and nest operators. == Wickham's Layered Grammar of Graphics == === Theory === Hadley Wickham conceived an alternate parameterisation of the syntax Wilkinson had derived, creating a layered grammar of graphics which he implemented as ggplot2 for R (programming language) users. This added a hierarchy of defaults based around the idea of building up a graphic from multiple layers. Wickham conceived these elements to be: Defaults: consists of data and mapping Data: dataset Mapping: aesthetic mappings Layer: consists of data, mapping, geom, stat, and position Data: dataset, or inherit from defaults Mapping: aesthetic mappings, or inherit from defaults Geom: geometric object Stat: statistical transformation Position: position adjustment Scale: mapping of data to aesthetic attributes Coord: mapping of data to the plane of the plot Facet: split up the data === Reception === Wilkinson is generally positive on Wickham's parameterisation and implementation of ggplot2, praising its elegance and expressivity whilst claiming that his original Grammar of Graphics is capable of representing a wider range of statistical graphics. === Implementations === ggplot2 is the first implementation of a layered grammar of graphics in R and implementations in other programming languages have ensued. These include direct ports plotnine for Python, gramm for MATLAB, Lets-Plot for Kotlin and gadfly for Julia. Projects inspired by elements of Wickham's grammar include Vega-Lite which specifies plots in JSON and uses a JavaScript engine. Implementations for Python include Vega-Altair (built on top of Vega-Lite). == Vega-Lite: A Grammar of Interactive Graphics == === Theory === Vega-Lite combines ideas from Wilkinson's Grammar of Graphics and Wickham's Layered Grammar of Graphics with a composition algebra for layered and multi-view displays with a grammar of interaction. The Vega-Lite specification is instantiated in JSON and rendered by the lower-level Vega. The graphical grammar implemented by Vega-Lite is composed of the following: Unit: consists of data, transforms, mark-type and encoding Data: relational table consisting of records (rows) and named attributes (columns) Transforms: data transformations Mark-type: geometric object for visual encoding Encodings: mapping of data attributes to visual marks properties where each encoding consists of: Channel: e.g. colour, shape, size, or text Field: data attribute Data-type: e.g. nominal, ordinal, quantitative, or temporal Value: use a literal instead of a data-type Functions: e.g. binning, aggregation, and sorting Scale: maps from data domain to visual range Guide: axis or legend for visualising scale Composite Views: compose views from multiple unit specifications with operators: Layer: charts plotted on top of each other Hconcat/Vconcat: place views side-by-side Facet: subset data to produce a trellis plot Repeat: multiple plots similar to facet but with full data replication in each cell Interaction: selections identify the set of points a user is interested in manipulating, with components: Selection: get the minimal number of backing points Name: reference Type: how many backing values are stored Predicate: determine the set of selected points e.g. single, list, interval Domain|Range: store data domain or visual range Event: e.g. mouseover, mousedown, mouseup, Init: initialise with specific backing points Transforms: e.g. project, toggle, translate, zoom, and nearest Resolve: resolve selections to union or intersect ==== Implementations ==== Whilst Vega-Lite is the sole implementation of this graphics grammar specification with compilation to Vega, other implementations do create JSON files which can be interpreted by Vega-Lite. == Related projects == Ggplot2 is an R package for plotting Tableau Software (originally known as Polaris) is a commercial software built using the Grammar of Graphics nViZn built by Wilkinson. SYSTAT (statistics package) built by Wilkinson ggpy, ggplot for Python, but has not been updated since 20 November 2016 plotnine started as an effort to improve the scalability of ggplot for Python and is largely compatible with ggplot2 syntax. Plotly - Interactive, online ggplot2 graphs gramm, a plotting class for MATLAB inspired by ggplot2 gadfly, a system for plotting and visualization written in Julia, based largely on ggplot2 Chart::GGPlot - ggplot2 port in Perl, but has not been updated since 16 March 2023 The Lets-Plot for Python library includes a native backend and a Python API, which was mostly based on the ggplot2 package. Lets-Plot Kotlin API is an open-source plotting library for statistical data implemented using the Kotlin programming language, and is built on the principles of layered graphics first described in the Leland Wilkinson's work The Grammar of Graphics. ggplotnim, plotting library using the Nim programming language inspired by ggplot2. Vega and Vega-Lite are plotting libraries that use JSON to specify plots. Vega-Altair, a Python library built on top of Vega-Lite chart-parts - React-friendly Grammar of Graphics, but has not been updated since 10 Dec 2021 g2 - a JavaScript library
Robot Monk Xian'er
Robot Monk Xian'er (Chinese: 贤二机器僧) is a humanoid robot based on the cartoon character Xian'er. It was developed by a team of monks, volunteers and AI experts from Beijing Longquan Monastery in Beijing, China. He can follow human instructions to make body movements, read scriptures and play Buddhist music. He can chat and respond to people's emotional and spiritual questions with Buddhist wisdom. As a chatbot, Robot Monk Xian'er is available on certain public platforms including WeChat and Facebook. Over the years, master Xuecheng, the abbot of Beijing Longquan Monastery, replied to thousands of questions on Sina Weibo. These questions and their answers become the data source of the chatbot.
Lossless join decomposition
In database design, a lossless join decomposition is a decomposition of a relation r {\displaystyle r} into relations r 1 , r 2 {\displaystyle r_{1},r_{2}} such that a natural join of the two smaller relations yields back the original relation. This is central in removing redundancy safely from databases while preserving the original data. Lossless join can also be called non-additive. == Definition == A relation r {\displaystyle r} on schema R {\displaystyle R} decomposes losslessly onto schemas R 1 {\displaystyle R_{1}} and R 2 {\displaystyle R_{2}} if π R 1 ( r ) ⋈ π R 2 ( r ) = r {\displaystyle \pi _{R_{1}}(r)\bowtie \pi _{R_{2}}(r)=r} , that is r {\displaystyle r} is the natural join of its projections onto the smaller schemas. A pair ( R 1 , R 2 ) {\displaystyle (R_{1},R_{2})} is a lossless-join decomposition of R {\displaystyle R} or said to have a lossless join with respect to a set of functional dependencies F {\displaystyle F} if any relation r ( R ) {\displaystyle r(R)} that satisfies F {\displaystyle F} decomposes losslessly onto R 1 {\displaystyle R_{1}} and R 2 {\displaystyle R_{2}} . Decompositions into more than two schemas can be defined in the same way. == Criteria == A decomposition R = R 1 ∪ R 2 {\displaystyle R=R_{1}\cup R_{2}} has a lossless join with respect to F {\displaystyle F} if and only if the closure of R 1 ∩ R 2 {\displaystyle R_{1}\cap R_{2}} includes R 1 ∖ R 2 {\displaystyle R_{1}\setminus R_{2}} or R 2 ∖ R 1 {\displaystyle R_{2}\setminus R_{1}} . In other words, one of the following must hold: ( R 1 ∩ R 2 ) → ( R 1 ∖ R 2 ) ∈ F + {\displaystyle (R_{1}\cap R_{2})\to (R_{1}\setminus R_{2})\in F^{+}} ( R 1 ∩ R 2 ) → ( R 2 ∖ R 1 ) ∈ F + {\displaystyle (R_{1}\cap R_{2})\to (R_{2}\setminus R_{1})\in F^{+}} === Criteria for multiple sub-schemas === Multiple sub-schemas R 1 , R 2 , . . . , R n {\displaystyle R_{1},R_{2},...,R_{n}} have a lossless join if there is some way in which we can repeatedly perform lossless joins until all the schemas have been joined into a single schema. Once we have a new sub-schema made from a lossless join, we are not allowed to use any of its isolated sub-schema to join with any of the other schemas. For example, if we can do a lossless join on a pair of schemas R i , R j {\displaystyle R_{i},R_{j}} to form a new schema R i , j {\displaystyle R_{i,j}} , we use this new schema (rather than R i {\displaystyle R_{i}} or R j {\displaystyle R_{j}} ) to form a lossless join with another schema R k {\displaystyle R_{k}} (which may already be joined (e.g., R k , l {\displaystyle R_{k,l}} )). == Example == Let R = { A , B , C , D } {\displaystyle R=\{A,B,C,D\}} be the relation schema, with attributes A, B, C and D. Let F = { A → B C } {\displaystyle F=\{A\rightarrow BC\}} be the set of functional dependencies. Decomposition into R 1 = { A , B , C } {\displaystyle R_{1}=\{A,B,C\}} and R 2 = { A , D } {\displaystyle R_{2}=\{A,D\}} is lossless under F because R 1 ∩ R 2 = A {\displaystyle R_{1}\cap R_{2}=A} and we have a functional dependency A → B C {\displaystyle A\rightarrow BC} . In other words, we have proven that ( R 1 ∩ R 2 → R 1 ∖ R 2 ) ∈ F + {\displaystyle (R_{1}\cap R_{2}\rightarrow R_{1}\setminus R_{2})\in F^{+}} .
Glossary of computer graphics
This is a glossary of terms relating to computer graphics. For more general computer hardware terms, see glossary of computer hardware terms. == 0–9 == 2D convolution Operation that applies linear filtering to image with a given two-dimensional kernel, able to achieve e.g. edge detection, blurring, etc. 2D image 2D texture map A texture map with two dimensions, typically indexed by UV coordinates. 2D vector A two-dimensional vector, a common data type in rasterization algorithms, 2D computer graphics, graphical user interface libraries. 2.5D Also pseudo 3D. Rendering whose result looks 3D while actually not being 3D or having great limitations, e.g. in camera degrees of freedom. 3D graphics pipeline A graphics pipeline taking 3D models and producing a 2D bitmap image result. 3D paint tool A 3D graphics application for digital painting of multiple texture map image channels directly onto a rotated 3D model, such as zbrush or mudbox, also sometimes able to modify vertex attributes. 3D scene A collection of 3D models and lightsources in world space, into which a camera may be placed, describing a scene for 3D rendering. 3D unit vector A unit vector in 3D space. 4D vector A common datatype in graphics code, holding homogeneous coordinates or RGBA data, or simply a 3D vector with unused W to benefit from alignment, naturally handled by machines with 4-element SIMD registers. 4×4 matrix A matrix commonly used as a transformation of homogeneous coordinates in 3D graphics pipelines. 7e3 format A packed pixel format supported by some graphics processing units (GPUs) where a single 32-bit word encodes three 10-bit floating-point color channels, each with seven bits of mantissa and three bits of exponent. == A == AABB Axis-aligned bounding box (sometimes called "axis oriented"), a bounding box stored in world coordinates; one of the simplest bounding volumes. Additive blending A compositing operation where d s t = d s t + s r c , {\displaystyle dst=dst+src,} without the use of an alpha channel, used for various effects. Also known as linear dodge in some applications. Affine texture mapping Linear interpolation of texture coordinates in screen space without taking perspective into account, causing texture distortion. Aliasing Unwanted effect arising when sampling high-frequency signals, in computer graphics appearing e.g. when downscaling images. Antialiasing methods can prevent it. Alpha channel An additional image channel (e.g. extending an RGB image) or standalone channel controlling alpha blending. Ambient lighting An approximation to the light entering a region from a wide range of directions, used to avoid needing an exact solution to the rendering equation. Ambient occlusion (AO) Effect approximating, in an inexpensive way, one aspect of global illumination by taking into account how much ambient light is blocked by nearby geometry, adding visual clues about the shape. Analytic model A mathematical model for a phenomenon to be simulated, e.g. some approximation to surface shading. Contrasts with Empirical models based purely on recorded data. Anisotropic filtering Advanced texture filtering improving on mipmapping, preventing aliasing while reducing blur in textured polygons at oblique angles to the camera. Anti-aliasing Methods for filtering and sampling to avoid visual artifacts associated with the uniform pixel grid in 3D rendering. Array texture A form of texture map containing an array of 2D texture slices selectable by a 3rd 'W' texture coordinate; used to reduce state changes in 3D rendering. Augmented reality Computer-rendered content inserted into the user's view of the real world. AZDO Approaching zero driver overhead, a set of techniques aimed at reducing the CPU overhead in preparing and submitting rendering commands in the OpenGL pipeline. A compromise between the traditional GL API and other high-performance low-level rendering APIs. == B == Back-face culling Culling (discarding) of polygons that are facing backwards from the camera. Baking Performing an expensive calculation offline, and caching the results in a texture map or vertex attributes. Typically used for generating lightmaps, normal maps, or low level of detail models. Barycentric coordinates Three-element coordinates of a point inside a triangle. Beam tracing Modification of ray tracing which instead of lines uses pyramid-shaped beams to address some of the shortcomings of traditional ray tracing, such as aliasing. Bicubic interpolation Extension of cubic interpolation to 2D, commonly used when scaling textures. Bilinear interpolation Linear interpolation extended to 2D, commonly used when scaling textures. Binding Selecting a resource (texture, buffer, etc.) to be referenced by future commands. Billboard A textured rectangle that keeps itself oriented towards the camera, typically used e.g. for vegetation or particle effects. Binary space partitioning (BSP) A data structure that can be used to accelerate visibility determination, used e.g. in Doom engine. Bit depth The number of bits per pixel, sample, or texel in a bitmap image (holding one or more image channels, typical values being 4, 8, 16, 24, 32) Bitmap Image stored by pixels. Bit plane A format for bitmap images storing 1 bit per pixel in a contiguous 2D array; Several such parallel arrays combine to produce the a higher-bit-depth image. Opposite of packed-pixel format. Blend operation A render state controlling alpha blending, describing a formula for combining source and destination pixels. Bone Coordinate systems used to control surface deformation (via Weight maps) during skeletal animation. Typically stored in a hierarchy, controlled by key frames, and other procedural constraints. Bounding box One of the simplest type of bounding volume, consisting of axis-aligned or object-aligned extents. Bounding volume A mathematically simple volume, such as a sphere or a box, containing 3D objects, used to simplify and accelerate spatial tests (e.g. for visibility or collisions). BRDF Bidirectional reflectance distribution functions (BRDFs), empirical models defining 4D functions for surface shading indexed by a view vector and light vector relative to a surface. Bump mapping Technique similar to normal mapping that instead of normal maps uses so called bump maps (height maps). BVH Bounding volume hierarchy is a tree structure on a set of geometric objects. == C == Camera A virtual camera from which rendering is performed, also sometimes referred to as 'eye'. Camera space A space with the camera at the origin, aligned with the viewer's direction, after the application of the world transformation and view transformation. Cel shading Cartoon-like shading effect. Clipping Limiting specific operations to a specific region, usually the view frustum. Clipping plane A plane used to clip rendering primitives in a graphics pipeline. These may define the view frustum or be used for other effects. Clip space Coordinate space in which clipping is performed. Clip window A rectangular region in screen space, used during clipping. A clip window may be used to enclose a region around a portal in portal rendering. CLUT A table of RGB color values to be indexed by a lower-bit-depth image (typically 4–8 bits), a form of vector quantization. Color bleeding Unwanted effect in texture mapping. A color from a border of unmapped region of the texture may appear (bleed) in the mapped result due to interpolation. Color channels The set of channels in a bitmap image representing the visible color components, i.e. distinct from the alpha channel or other information. Color resolution Command buffer A region of memory holding a set of instructions for a graphics processing unit for rendering a scene or portion of a scene. These may be generated manually in bare metal programming, or managed by low level rendering APIs, or handled internally by high level rendering APIs. Command list A group of rendering commands ready for submission to a graphics processing unit, see also Command buffer. Compute API An API for efficiently processing large amounts of data. Compute shader A compute kernel managed by a rendering API, with easy access to rendering resources. Cone tracing Modification of ray tracing which instead of lines uses cones as rays in order to achieve e.g. antialiasing or soft shadows. Connectivity information Indices defining [rendering primitive]s between vertices, possibly held in index buffers. describes geometry as a graph or hypergraph. CSG Constructive solid geometry, a method for generating complex solid models from boolean operations combining simpler modelling primitives. Cube mapping A form of environment reflection mapping in which the environment is captured on a surface of a cube (cube map). Culling Before rendering begins, culling removes objects that don't significantly contribute to the rendered result (e.g. being obscured or outside camera view). == D == Decal A "sticker" picture applied onto a surface (e.g. a
Patch management
Patch management (or patch management policy or patch policy or patch management process) is concerned with the identification, acquisition, distribution, testing and installation of patches to systems. Proper patch management can be a net productivity boost for an organization. Patches can be used to defend against and eliminate potential vulnerabilities of a system, so that no threats may exploit them. Problems can arise during patch management, including buggy patches that either fail to fix their problem or introduce new issues. Patch management tools help orchestrate all of the procedures involved in patch management. == Description == Patch management is defined as a sub-practice of various disciplines including vulnerability management (part of security management), lifecycle management (with further possible sub-classification into application lifecycle management and release management), change management, and systems management. The practice is broadly concerned with the identification, acquisition, distribution, and installation of patches to systems. Some definitions of patch management are as a software-level practice, while others are as a systems-level process: software, drivers, and firmware. == Cost–benefit analysis == While reserving time for patching takes up enterprise resources, there are balancing factors which can make proper patch management into a net productivity boost for an organization. Up-to-date systems often perform more efficiently, less costly, with less errors, less security risks, and better user workflow. Additionally, compliance with changing local and federal regulations are more likely to be satisfied. Patching security vulnerabilities has been one among many competing priorities for organizations, leading to longer periods before patching for some organizations. Equifax was too slow to implement its 2015 patch management plan to be able to mitigate or prevent the 2017 Equifax data breach, leading to scrutiny from regulators. == Relation to security management == Patches can be used to defend against and eliminate potential vulnerabilities of a system, so that no threats may exploit them; therefore, patch management can be considered a sub-discipline of vulnerability management. Every patchable device in a system presents an attack surface that must be secured. === Time plan === Automatic updates are where the patch is applied automatically with little to know actions or planning required. This approach is recommended for many individuals and organizations. Some organizations also have to prioritize which patches to prioritize given limited resources. Patch Tuesday is the most common process when major companies like Microsoft and Adobe release patches on a known date so that companies can plan resources around implementing the patches more quickly. Linux is open-sourced and patches can be released at any time, leading some to rely on mailing lists or other ways to be alerted to updates. === Inventory === Taking an inventory of software and hardware, including versions can make it easier to correlate with bugs or patches as they become known. Taking stock of how much education and support others in an organization need to install their patches can also help for planning how to implement the patch or design systems to begin with. Streamlining the process by using tools that can communicate with each other can also help to reduce the time of exposure to known vulnerabilities. == Challenges == There are a multitude of problems that can arise during patch management. A common issue is buggy patches, which either fail to fix their problem or introduce new issues. Another issue is deployment synchronization, since various subsystems may receive instructions to update at different times. Similarly, the difficulty of patch management across many devices may grow at an uncontrollable rate depending on organizational size. One prominent demonstration of the challenges facing proper patch management was the buggy Falcon Sensor patch by CrowdStrike which caused one of the worst IT outages of all time. == Implementations == A patch management tool (alternatively patch manager, patch management system, patch management software, or centralized patch management) help orchestrate all of the procedures involved in patch management. Tools can be in-house (applied locally by local administrators), or external, as with managed service providers (applied externally by a provider). === Patch management software === Windows Update for Business, System Center Configuration Manager, and Windows Server Update Services offer control over patch deployment, with features enabling testing, scheduling updates, and setting custom configurations on Windows platforms. === Managed service providers === == Regulatory requirements (United States) == Timely patching of software vulnerabilities is a requirement under multiple regulatory frameworks in the United States. The Health Insurance Portability and Accountability Act (HIPAA) Security Rule requires covered entities to protect electronic protected health information by implementing security measures sufficient to reduce risks to a reasonable and appropriate level, which industry guidance has long interpreted to include timely patch management. A proposed new HIPAA Security Rule would make patch management requirements explicit, mandating that covered entities and business associates deploy security patches and updates within a defined risk-based timeline and maintain written procedures for prioritizing, testing, and applying patches to systems that store, process, or transmit ePHI. The 2025 proposal continues to receive industry pushback as of December 2025. HIPAA was last updated in 2013. The Payment Card Industry Data Security Standard (PCI DSS) requires organizations to protect system components from known vulnerabilities by installing applicable security patches within one month of release for critical patches. The Cybersecurity and Infrastructure Security Agency (CISA) maintains a Known Exploited Vulnerabilities (KEV) catalog that compels U.S. federal agencies to remediate listed vulnerabilities within specified timelines. Agencies are typically required to patch within 3 weeks, though some vulnerabilities must be fixed within 24 hours.
RFinder
RFinder ("repeater finder") is a subscription-based website and mobile app. RFinder's main service is the World Wide Repeater Directory (WWRD), which is a directory of amateur radio repeaters. RFinder is the official repeater directory of several amateur radio associations. RFinder has listings for several amateur radio modes, including FM, D-STAR, DMR, and ATV. == World Wide Repeater Directory == Repeaters are listed in the directory along with its call sign, Maidenhead Locator System and GPS coordinates, transmit/receive offset ("split"), CTCSS and DCS squelch settings, and VoIP settings (IRLP and Echolink nodes). The directory has over 50,000 repeater listings in over 170 countries. === Website === The RFinder website has several search options including for routes. === Forums === RFinder user forums is for help and support for the app and hardware. === Mobile app === RFinder has mobile apps for Android and iOS. When using the mobile app, RFinder can display the distance to repeaters, based on the mobile device's current location. === ARRL Repeater Directory === The ARRL publishes the ARRL Repeater Directory which contains over 31,000 repeater listings for the US and Canada with listings provided by RFinder. == Subscription == RFinder requires a subscription. A one-year subscription is US$12.99. == Radio programming software == Some radio programming software applications can query RFinder and download repeater listing to program radios. Compatible software includes: CHIRP RT Systems == Radio associations == RFinder is the official repeater directory of the following associations: Amateur Radio Society Italy American Radio Relay League Cayman Amateur Radio Society Deutscher Amateur Radio Club Federacion Mexicana de Radio Experimentadores L’association Réseau des Émetteurs Français Lietuvos Radijo Mėgėjų Draugija Liga de Amadores Brasilieros de Radio Emissão Radio Amateurs of Canada Radio Society of Great Britain Rede dos Emissores Portugueses Unión de Radioaficionados Españoles
Tandem Money
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.