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Samantha Bomkamp

The tax overhaul law, written last year near the height of the #MeToo movement, could place a bigger financial burden on victims of workplace sexual harassment and make such cases more difficult and expensive to settle. Companies have long been able to write off the settlement money they pay out...

Sarah Ponczek

Kenneth Broux, a currency and rates strategist at Societe Generale in London, typically arrives at work around 7 a.m., grabs a coffee and settles into his sunlit desk. And on Friday, fixating on Twitter will play an outsize role in his morning routine. Broux will join traders, analysts and economists...

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Matt Townsend is looking more and more like a traditional retailer. In a drive to win the business up for grabs after the demise of Toys R Us, the online giant is going conventional with plans to publish a holiday toy catalog, according to people with knowledge of the strategy. The printed guide will...

Rachel Siegel

Car stalled on the side of the road? AAA awaits your call. Trying to plan a vacation? AAA wants to get your there, too. The company widely known for its roadside assistance is hiring work-from-home travel agents to join its roughly 3,200 full-time agents nationwide, even as much of the travel industry...

Ally Marotti

Data analytics is becoming more vital for businesses, and data scientists are in high demand. But the emerging field is broad, and some companies say they have struggled to find job candidates whose skills fit their needs. To better define the tools their employees need to properly analyze big...


Asian stocks were mostly lower Friday as investors braced for the implementation of U.S. tariffs on Chinese imports at midnight Washington time, and likely similar measures by Beijing on U.S. exports. Upbeat economic data and overnight gains on U.S. stock markets helped temper concerns but trading...

David Koenig, Associated Press

Boeing and Brazilian jet maker Embraer will attempt to form a joint venture that would push the U.S. aerospace giant into the market for smaller airliners. The new company is being valued at $4.75 billion. Boeing Co. said Thursday that it will own 80 percent while Embraer SA takes the remaining...

The display gamut is sadly only about 72 percent of Adobe RGB and it can't store color calibration profiles internally. But that might be in the works for the next model.

Updated: Caption: Lori Grunin Photo: Sarah Tew/CNET
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If you're going to fuse a monitor to your computer and be stuck with it for a while, the Retina 5K is the one to pick: It has excellent color gamut and accuracy.

The performance of even the Core i5 model is pretty good, the AMD Radeon discrete graphics boost your processing and the latest models are VR ready. It also has a respectable number of connectors, though you'll need a dongle to connect to an external monitor via DisplayPort.

Updated: Caption: Lori Grunin Photo: Sarah Tew/CNET
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Drawbacks: The design's getting old and the connectors and SD card slot are awkward to reach. Apple's overdue for a redesign so if you're not in a rush to buy, you might want to wait and see what happens by the fall.

Updated: Caption: Lori Grunin Photo: Sarah Tew/CNET
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While it's not cheap, this Windows 10 detachable is a lot cheaper than the Surface Pro for the same configurations and it comes with the stylus and keyboard. Its 4,096 levels of pressure (though no tilt) is fine for most people's needs, as is the quality of the 12-inch, 2,880x1,920-pixel display.

Updated: Caption: Lori Grunin Photo: Sarah Tew/CNET
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Drawbacks: Battery life isn't great. The Surface offers a better display, at least with respect to resolution, accuracy and color gamut.

There has been a great deal of research on emotional expression, particularly on those expressions that are most immediate, most evident, and typically most spontaneous or automatic and thus often unknown to the subject who displays them. Darwin observed the striking similarity between the emotional expressions of many mammals and humans; he thus postulated both an evolutionary explanation of the similarity and an anthropological thesis that facial expressions of emotion, such as those of anger, surprise, and fear, are universal in human beings . In the 1960s the American psychologist Paul Ekman set out to disprove Darwin’s anthropological thesis but found, to his initial consternation, that it was confirmed by mounting cross-cultural evidence . Since then, studies of the characteristic facial expressions of various emotions and their recognition have been a dominant topic of psychological research. Not all emotions have characteristic facial expressions, of course, and so studies tend to concentrate upon a small set of basic emotions—e.g., anger, disgust, fear, joy, sadness, and surprise. Each of these emotions, according to many theorists, consists of an “affect program”—a complex set of facial expressions , vocalizations, and autonomic and skeletal responses. It is still a matter of debate whether emotions that are supposedly basic can be captured in terms of affect programs; thus, it is also controversial whether the recognition and production of typical facial expressions are indeed universal and “hardwired.”

One of the fascinating features of spontaneous facial expressions is how difficult it is for most people to “fake” a sincere expression. This is perhaps most evident in the case of smiling (as an expression of delight or being pleased). Psychologists have long recognized the Duchenne smile (named for the French neurologist Guillaume-Benjamin-Amand Duchenne [1806–75]), a sincere and spontaneous smile that is characterized not only by the stretching of the mouth but also by the elevation of the cheeks and the distinctive contraction of the muscles around the eye. In a false or non-Duchenne smile, these other elements are lacking and, for that reason, it is easy to recognize a false smile even if one has no idea what it is that gives it away.

computer algorithm distinguishing different types of smiles

The behavioral expression of emotion also includes conscious and unconscious gestures, postures and mannerisms, and overt behaviour that can be either spontaneous or deliberate. One might hesitate to call deliberate behaviour an “expression” because of the intervening conscious activity it involves. One might speak instead of such behaviour as being “out of” the emotion (as in, “he acted out of anger”). Yet the difference between the two cases is often very slight. Acting out of anger may be immediate, as in the case of a spontaneous insult, or it may be protracted or delayed. It may be expressed in a series of punitive actions that go on for months or years or in vengeful acts that follow the provoking occurrence and the anger by an equally lengthy period of time. But even the immediate expression of emotion in overt action may be (and usually is) protracted in time and not merely momentary. Running from danger in fear may go on for as long as it needs to (as long as the threat is evident). The expression of profound love, many people would say, goes on for a lifetime, though it may also consist of any number of both spontaneous and deliberate acts and gestures.

Reinventing insurance in partnership with BNP Paribas Cardif
How We Invest

Typically invest $100k-$1M in early stage startups

We look for visionary entrepreneurs that are evolving the relationship between insurers and their customers. We want to find a way to provide startups with an opportunity to collaborate with BNP Paribas Cardif, with the potential to create a meaningful win-win partnership.

Our Investment Process

Cathay Innovation has the mandate to manage the fund

As both Cathay Innovation and BNP Paribas Cardif want to secure the best possible impact for the partnership between BNP Paribas Cardif and the invested startups, a BNP Paribas Cardif consultative committee is gathered before any approval decision by Cathay Innovation.

How We Make A Difference

Acceleration of a startup’s development with BNP Paribas Cardif’s help

We provide funding, guidance, and expertise in areas such as product development, risk modelling, distribution, and compliance. With BNP Paribas Cardif’s global reach and strong position across Europe, Asia, and Latin America, startups are able to get first hand access to years of know-how and research that will provide another perspective on how to get significant traction by providing the rightly focused services.

How We're Different

Unique combination of venture capital and domain expertise

BNP Paribas Cardif can foster growth by bringing insurance expertise through a partnership that can go from prototyping or fine-tuning a MVP, to doing a POC or testing a commercial launch in order to collect customers’ feedback. Cathay Innovation can help startups in their next development steps such as marketing, business development, and finding additional investors.

Renaud Dumora,

Chief Executive Officer

Renaud Dumora

Education and beginnings:

Renaud Dumora graduated from Ecole Polytechnique, the National School of Statistics and Economic Administration and the French Institute of Actuaries.


He joined Compagnie Bancaire in 1990. Head of the Statistics Studies and later controller for the insurance activities in the Finance Department of Compagnie Bancaire, he was responsible for the creditor insurance activity of Cardif in France from 1994 to 2000. Group Chief Actuary ofBNP Paribas Assurance (which became BNP Paribas Cardif in 2011) from 2000 to 2004, Renaud Dumora was Head of Protection from 2004 to 2007. From 2007 to 2009, he was Head of International Department. He was appointed Head of Finance and Risk Management departments in 2009, and Head of Legal Affairs in 2014. In 2012, he became Chief Operating Officer. He was appointed Head of Finance, Risks and Legal in March 2014. In January 2015, he was named Deputy Chief Executive Officer.


Renaud Dumora has been a member of the Executive Committee of BNP Paribas Cardif since 2007. In January 2016, he was named Chief Executive Officer. He is also a member of the Executive Committee of BNP Paribas.

Olivier Héreil,

Chief Operating Officer, Asset Management

Olivier Héreil

Education and beginnings:

Graduate of the ESSEC business school, Olivier Héreil, has a background as a financial analyst and actuary.


Olivier Héreil has contributed to the development of Cardif’s asset management activities since 1982. After working as a financial analyst and in financial markets, in 1987 he was given responsability for management of Cardif’s mutual fund and insurance portfolios. He was appointed Chief Executive of Cardif Asset Management in 1989; becoming Chairman in 1997, a position he held until 2001.

In 2000, he was named Director of Investments and Asset Management for the Insurance Companies of BNP Paribas Assurance (which became BNP Paribas Cardif in 2011).


Olivier Héreil is Chief Operating Officer, Asset Management, since January 2015. He has been a member of the Executive Committee of the company since September 2010.

He is a member of the French Association of Institutionnal Investors (Af2i).He is a member of the French Society of Financial Analysts (SFAF) and the French Institute of Actuaries (IAF).

He is in charge of the interest rates and derivatives course at the SFAF training center. Besides, he teaches at the Paris-Dauphine and Paris Ouest Nanterre universities.

Stanislas Chevalet,

Chief Operating Officer, Transformation Development

Stanislas Chevalet

Education and beginnings:

Stanislas Chevalet is a graduate of the EM Lyon business school.


Stanislas Chevaletjoined the banking division of Paribas in 1986, subsequently holding a series of positions in financial management before integrating the international banking unit (North America). During two years at Paribas (1986/1988) he participated to creation and development of the Fondation Rhône Alpes Futur to fund innovative projects source of jobs and influence for the region.

In early 1994, he enters the Paribas Affaires Industrielles private equity business as Head of the retailing and leisure industries, overseeing the restructuring of Banque Continentale du Luxembourg.

In 1997, he was named Head of purchasing and in 2005, he was appointed Head of the Group Operational Efficiency unit. In September 2007, Stanislas Chevalet joined the Executive Committee of BNP Paribas Assurance (which became BNP Paribas Cardif in 2011) and was named Head of the Cardif network and relations with external partners.

In 2009, he has been Head of Efficiency Technology and Operations and the Digital Brokers Channel which included the following countries: Belgium, Luxembourg, the Netherlands and the United Kingdom.


Stanislas Chevalet is Chief Operating Officer and a member of the Executive Committee of BNP Paribas Cardif.

He has been Head of Development and Transformation since March 2014, responsible for the strategy and transformation of the company, the development and support of partners, marketing, distribution and digital.


BNP Paribas Cardif is the life and property casualty insurance subsidiary of BNP Paribas . Operating in 36 countries with strong positions across Europe, Asia, and Latin America, BNP Paribas Cardif insures 100 million clients in the world through 500 distributors and 10,000 employees. The Company has launched an ambitious strategic plan around digital technology, designed to accelerate its growth, adapt to new uses and to further improve its offers for prevention, services, and insurance coverage.








Cathay Innovation


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