FIFA TEST 20: Unchanged recipe or renewal?

The start of the new school year also means the resumption of the football leagues and the Champion’s League. In short, it’s football at its best. eFootball PES 2020 took to the field on September 10th and it’s now the turn of EA Sports’ newest addition to the team to put on his spikes and take to the arena. Does FIFA 20 have all the cards in hand to declare itself king of the game for the 2019-2020 season ahead? Let’s put on our jersey and tell you about it in our Test!

And here we go again! The squad is up to date, the stadiums are still full to bursting with the same fans, the atmosphere is lively, but above all, players with a high degree of realism – not for everyone, however, arrive in the arena. From the outset, we always notice the same flaws, namely this little grainy side, cartoon and sometimes even some renderings that we will describe as terrifying for some players (Edinson Cavani or Harry Kane to name but two) … In short, we get to the heart of the matter. Will the rest of the game be the same after this very first approach? Well, let’s see…

The atmosphere is the same as in the last part, except that this year the official licensed Juventus team leaves us to make way for the “Piemonte Calcio”. A bitter-sweet taste for the fans of the Old Lady, but that’s the way it is. However, this does not change the feeling felt ball to ball. We’ll come back to that below. As for Hervé Mathoux and Pierre Ménès, they are immovable and always in command of the French commentaries. We would have preferred to see Franck Sauzée back for his accuracy, perfect diction and expertise, but that’s how life goes. When will we see the pair Omar da Fonseca and Benjamin da Silva? We can always hope after all.

In his little slippers, warm!

The title of the game sums up this FIFA 20 in terms of traditional gameplay. By “traditional gameplay” I mean of course the classic 11 v 11 matches. And on that note, we have to admit that EA has been shy on innovations. It’s rare for a FIFA to take control and feel continuity in the gameplay. You know, that feeling of playing FIFA 19 without feeling a transition phase. Usually there’s always a few hours to adapt to changes, whether it’s in the offensive or defensive phases. This year it’s not like that. Is it bad news though? Not entirely in the sense that FIFA 19 had a good balance in its gameplay. However, this new iteration has the same shortcomings.

FIFA 20 Full Version Download

FIFA 20 is like an episode of ‘Olive and Tom’, with the focus on attack. Or even exclusively. The title is meant to be dynamic and fast, but the construction and timing seem to be out of EA Sport’s lexicon. Indeed, many so-called “laser” passes pass everything, such as deep lobbed passes. It’s not at the level of a FIFA 18 on this last point, but it’s disconcerting at times.

Natural Environmentally-Friendly Household Cleaners

Many people use a vast array of chemical-laden household cleaners and products around the home on a daily basis.

What they may not be aware of is the fact that many of these chemicals can be damaging to their health when inhaled. Apart from the inhalation aspect, skin irritations often occur when coming into contact with many chemical cleaners.

Many disinfectants contain phenol ( aka carbolic acid ) or cresol. These can attack the central nervous system, liver, kidneys, spleen, and pancreas.

How can adding a load of chemicals to your home environment be good for your health and cleanliness. They may kill off the germs, sure, but human beings are gradually going to kill themselves off too, if they continue in this way. Many people aim to keep their homes a germ-free environment, but if our homes are kept so germ-free that our immune systems no longer have to work as hard, we run the risk of weakening our immune systems.

Another chemical-laden ( and one of the most dangerously toxic of all ) household product is oven cleaner. I have never personally used the stuff, as I remember the fumes when my mother used it when I was a child, and that alone was enough to put me off for life! How right I was. Many oven cleaners release fumes which may affect the respiratory system, and contain ammonia and lye, which eat the skin. I prefer to use baking soda and water, sprinkled inside the oven and left overnight. In the morning a good scrub finishes it off a treat. It does a wonderful job. Also you don’t get any chemical residue odour the next time you use the oven.

Many artificial air fresheners release nerve-deadening agents, which can interfere with your sense of smell. Natural aromatherapy oils would be a much safer bet.

In a time when respiratory illnesses such as asthma are at an all-time high, we should be looking to a more natural and gentle way of keeping our homes clean.

Using all-natural, non-toxic cleaning products around the home is the best defence against dirt and grime, while keeping our bodies healthy, being kind to the environment, and not tested on animals. Everyone’s a winner.

Many companies claim their products are ‘natural’ but it’s best to check the labels, as they may only contain a few natural ingredients while still being laden with chemicals.

Buying from a well-known ethical, cruelty-free company is the best way to go. Then, not only should their products be natural, safe and non-toxic, they should also be environmentally-friendly and not tested on animals.

The job of credit analyst

BlWalters People explains in detail the business of credit analyst, what it consists of, its specificities and issues.
What is a credit analyst?

The credit analyst is the person who is in charge of determining the risks and guarantees presented by legal entities and individuals who want to subscribe a credit in a bank.

In the case of loans requested by an individual, he / she must study his file in order to make a statement of his financial situation. He / she checks that his income allows him to go into debt and that he is not in a situation of overindebtedness either. The bank analyzes the solvency of its debtors or customers.

When the subscriber is a company, the credit analyst analyzes the company’s summary documents (income statement and balance sheet), he / she studies his position in relation to the competing operators and he / she also points out the risks of bankruptcy that ‘she presents. He / She also inquires about the performance of the industry in which the company operates to determine whether it is a carrier and whether the company is still likely to grow.

After evaluating the risks, the credit officer notifies his client of the refusal or acceptance of his request. In the latter case, he / she determines the conditions under which his bank is ready to grant credit. He / she writes a preliminary contract in which he / she sets the amount of the outstandings granted, the interest rate, the number of monthly payments, the duration, insurance, the cost of ancillary services, etc. The signature of the contract by the customer is equivalent to its adherence to its clauses and the funds are then released and paid into his account.

Generally, the analyst may have the authority to release the funds, but depending on the procedures in his institution, he / she may also be responsible only for receiving the records and giving his opinion.

What is the typical path of a credit analyst?

After a few years in the job, the credit officer may be called to become a client manager or branch manager.

What are the qualities of a credit analyst?

Since he / she is not entitled to the error, the credit analyst must be both rigorous and have a spirit of synthesis. He / she must also master the basics of finance (including the solvency and liquidity ratios) and the regulations that govern it. Moreover, it is imperative that he / she has a good interpersonal sense, because he / she is in contact with the customers. He / she must be persuasive and know how to present ideas.

Fluency in English and computer tools are the essential knowledge required for this collaborator. He / She can indeed handle files of individuals or foreign companies. In addition, he / she will have to write contracts, make tables, send emails, fill in a database, etc.

A Guest Article By Eddie, Author At A Blog about Call Center QA