Office 2019 Builds

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HelloInsiders! If you're wondering whether you have the latest update installed or are looking for a list of recent Current Channel (Preview) builds, you're in the right place.Click here for more information on the Insiders Program.

If you're enrolled in the Current Channel (Preview) level, which was formerly called Insider Slow, you get a new Office feature update approximately once a month, plus subsequent builds containing important fixes or security updates. The following list shows recent Current Channel (Preview) versions and builds, with the most recently released build listed first. New builds contain all the updates contained in previous builds.To find release notes, see Release Notes for Office Current Channel (Preview).

Collins helped set up the RISE office in 2015. This spring, she will retire, and Erin May, current senior academic services administrator for RISE, will take the baton for leading the administrative wing of the RISE office.

In addition to opportunities for foundational scientific research, RISE also offers a Summer Scholarly Award Experience Program, which funds a full-time scholarly opportunity for students between their first and second years of medical school. The program allows the students time to pause on the rigors of the MD program for a few weeks and fully immerse themselves in the research projects.

As one of the hardest-hit sectors, the restaurant industry has had to undergo significant changes, as is evident in the latest restaurant design trends. Future and existing spaces will likely see the expansion of outdoor dining, interior space planning, investments in technology, and integration of drive-through, delivery and pick-up options.

Indoors, construction is getting creative by making temporary changes to layouts to accommodate the surge of takeout and delivery business that has persisted throughout the pandemic. Dining rooms have suddenly become makeshift fulfillment centers, and restaurant entrances have been replaced with takeout windows.

New technologies also factor into the mix. More restaurateurs are contemplating how to introduce touchless features in entryways, dining rooms and even kitchens. The future of dining will include digital waiting lists, QR codes that allow diners to order from their table with a smartphone and contactless payment systems. Many of these strategies will require some element of redesign and construction.

Long before the pandemic, the growth of e-commerce was already impacting the retail sector; however, it is no secret that the effects of the pandemic have reshaped the face of retail design and construction as we know it. The real estate strategies of big-box operators have been most heavily impacted by the growth of e-commerce, but for the most part, higher-end retailers still value the boutique store model because it allows for more personalized service and creates opportunities to bring a brand to life in a physical setting.

Again, this is similar to the earlier trend of seeing smaller interior spaces and a greater emphasis on exterior footprints. Another trend that has emerged recently is the idea that retail space can serve primarily as a showroom, which enables a brand to sell an item in-person but fulfill the order digitally through an online delivery platform.

This shift has placed an emphasis on the design aesthetic of consumer-facing spaces while reducing the need for significant back-of-house space. It is expected that retailers will follow this business model post-pandemic, and there will be continued growth in the number of brands offering curbside pickup. All of this is to say that retailers are putting more weight on the quality of store planning, design and construction, as opposed to warehousing all of their inventory on-site.

When looking at the future of office space, two factors come into play. The first is ground-up construction. Property owners and developers who are planning to build offices can incorporate new features and design elements that promote wellness, such as open-air common areas, enhanced heating, ventilation and air conditioning systems, which rely less heavily on recycled air, ultraviolet lighting systems believed to kill airborne germs, touchless technologies, automated lighting, thermo-sensors and more. Ultimately, floor plan designs are created by individual tenants, but owners are taking steps to incorporate these safety features into new buildings.

At the same time, office landlords who operate buildings are working with tenants to retrofit existing spaces as best they can. Everything from the addition of glass and plexiglass barriers installed between workstations and structural modifications to office layouts, to the installation of touch-free entry and exit systems that alleviate the need to interact with door handles and elevator buttons is being considered. While there is always more flexibility when planning and building a first-generation space, several strategies can still be implemented to enhance the safety of an existing office, too.

At the start of the pandemic, the construction industry saw a loss of over 1 million jobs. With construction starts and put-in-place spending taking a hit, the national industry is experiencing a slowdown. However, as we head into 2021, the forecast looks positive as the industry continues to adapt and move ahead.

Many industries recognize that the pandemic is causing near-term disruption, but believe the same factors that were driving the regional economy before the pandemic will still be in place once the dust settles. Looking ahead, industries such as retail, office and restaurants, are focusing on both the mid- and long-term future.

While the long-term impacts are still becoming clear, the construction industry is adapting to the continuous, sweeping changes stemming from the pandemic and looking at new ways to counsel clients across different asset types by identifying innovative solutions that reflect the new reality of the world and provide the opportunity to resume and sustain operations in a post-pandemic world.

Expert, up-front planning helps control costs and keeps projects on budget. When planning, we consider everything that goes into your project. We listen when you tell us about your practice needs, what you want, and your vision. Furthermore, we listen when you tell us what your patients expect when they visit your office. Finally, we talk about your budget, timelines, and the special requirements for medical office.

When you decide to build a new medical office or make improvements to an existing space, you are making an investment in your practice. Additionally, we know that the look and feel of your finished office, as well as the quality of the construction, are all important factors for you. When you pick Steffel & Sons, you are choosing a team of experienced professionals who are committed to making sure that your project is done right, on time, and within budget.

Our process is truly turnkey. We handle every stage of the dental office build process and keep you updated throughout each step. Furthermore, we keep the communication lines open, so we are sure to understand and meet your needs. With our proactive approach, you can rest assured that we will take care of every detail of your project.

Have a medical office project in mind? Put Steffel & Sons more than 90 years of construction knowledge and experience to work for you. Schedule your free, no-obligation consultation today and let us show you the benefits of partnering with our team of experts.

But what truly sets Sudberry Southern apart is our team of passionate and highly skilled craftsmen. These individuals are more than just carpenters; they are artisans who possess a deep understanding of wood and a dedication to their craft. Their years of experience combined with a love for woodworking allow them to breathe life into your designs, creating one-of-a-kind pieces that will enhance the functionality and aesthetics of your office space.

Providence, Rhode Island-based Citizens has now increased its reserve coverage for office loans in every quarter since early 2023. And for good reason: Since the second quarter of 2023, as struggles within the broader office landscape began to ramp up, Citizens has charged off about $319 million of general office loans, equating to a cumulative loss rate of roughly 8%.

In an interview Wednesday following Citizens' second-quarter earnings call, CEO Bruce Van Saun said it's too soon to say whether the company will add more padding to its office-loan reserves during the third quarter. So far, it has been able to take office-related charge-offs directly without tapping the reserve, but how much longer it can do that is unclear, he said.

"If I had to guess, I would say it's unlikely in the second half of this year that you would call the pivot, where you could say that things are now improving, so you can start releasing reserves," Van Saun said. "I think it's likely that we're going to keep doing what we've been doing."

The office sector continues to be a problem area for many banks. In the post-pandemic world, many companies are downsizing their square footage, or leaving their office spaces entirely, given the shift toward hybrid and remote work environments. Combined with higher-for-longer interest rates, some property owners are running, or will eventually run, into trouble paying their loans.

At Citizens, general office loans totaled $3.3 billion through the end of June, reflecting about 59% of the company's total office book. The firm defines "general office" as that with multiple tenants.

"I feel like they've been prudent in building up the reserve ratio around office," McEvoy said in an interview. "In building the reserve, they didn't just put a finger up in the air. It's been a thoughtful analysis of valuations and default risks, to match the stress the office sector is seeing today."

The investment banking giant said that it will "moderate" its pace of share repurchases as it continues to talk to the Federal Reserve, which recently increased its stress capital buffer from 5.5% to 6.4%.

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