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Credit has a bad reputation across sub-Saharan Africa, fuelled by the sometimes predatory habits of lenders, especially vis-à-vis the vulnerable. Low banking penetration means most individuals lack an adequate footprint to receive loans from traditional creditors, leaving unsecured lending as their only option. Improper credit provision has led to an unsecured lending crisis in South Africa, and reports of Nigerian lenders resorting to harassment to collect payments.
Growing investor interest in Africa’s credit market seems to be changing the narrative, as venture capital firms seek to back startups that are committed to extending financial inclusion. However, while consumer-conscious innovation is creating new sustainable credit options, a lack of focus on gender is limiting their transformative capacity.
Cost of Living Fuels Credit Demand
African demand for credit has skyrocketed as the COVID-19 pandemic compounds pre-existing economic issues. Incomes have stagnated or even reduced as the cost of living continues to rise, leaving many households struggling to provide for their day-to-day needs. Widening access to credit can shield households from economic shocks, allowing them to afford necessary goods and services they would otherwise be forced to forego.
Still, access to secured forms of credit is difficult for the average African, who is unlikely to have the necessary documented fiscal history or collateral to apply for loans through traditional financial institutions. African fintechs have begun to rise to the occasion, excelling in plugging the credit gap, while also considering the long-term wellbeing of consumers.
Innovative Solutions for Long-term Sustainability
To circumvent the credit history issue, fintechs have been able to harvest alternative data to facilitate credit access – rather than relying on credit bureaus. Telecommunications operators, including Safaricom and MTN, paved the way, leveraging AI to use an individual’s mobile history to perform credit checks. A growing number of companies are also using alternative data to tailor products to specific individual needs through machine learning. Kenyan startup Lipa Later, for example, received USD 12 million in funding this year to support the cross-continental expansion of its buy-now-pay later (BNPL) service, which uses machine learning to score and grant users credit limits almost instantly.
Such digital solutions allow more people to access credit but can also divorce individuals from its possible consequences, increasing the risk of improper use. This is further compounded by lenders failing to adequately disclose their policies, leading to defaults that impact individuals and the economy. To avoid credit misuse and promote sustainability, Nigerian BNPL infrastructure startup ThankUCash connects consumer credit providers directly to merchants, limiting a customer’s credit use to a specific store and amount. The company raised USD 5.3 million at the beginning of the year to support its innovation and is reportedly in talks with multinational banks looking to implement its infrastructure.
Building on the SACCO Infrastructure
Savings and credit cooperative organisations (SACCOs) have been a mainstay in African communities for decades, using a value-driven model to extend credit to millions. SACCOs run as non-profits where members become part-owners when they join. SACCOs have thus provided cost-effective financial services for those living in rural areas.
In Kenya, SACCO members transact approximately 5.55% of the country’s GDP, prompting interest from fintech actors to provide digital solutions to foster their growth. Kenyan fintech Kwara supports SACCOs to shift to digital platforms through its backend-as-a-service (BaaS) software. At the end of 2021, Kwara raised USD 4 million in funding to build a neobank app that will seamlessly connect individuals to their preferred credit unions, opening SACCOs up to grow their membership beyond brick-and-mortar branches.
The Gender Issue
Despite claims that digital services would extend financial inclusion to all segments of society, this has been far from the case. Growing evidence points to digital tools compounding existing gender inequality rather than being inherently emancipatory. Existing discrimination in traditional finance has knock-on consequences in digital financial services, as technology costs and inadequate infrastructure leave many unable to participate. And, despite women being more reliable borrowers who are less likely to default, digital credit offerings fail in convincing them to buy in.
With less than 1% of the USD 4 billion venture capital for African startups in 2021 going to women-led founding teams, fintech has a gender problem from the top down. Startups like Nigerian Shecluded are attempting to change this, providing growth loans and other support to women business owners through its digital platform. As a winner of one of Google’s equity-free grants in 2021, Shecluded should be on the radars of fintech investors who are interested in extending financial inclusion to all.
The beginning of 2022 suggests that investor interest in African fintechs has only just begun to gain momentum. The first seven weeks of the year have seen goliath funding rounds announced across the continent – totaling USD 1 billion, or 19% of the VC funding raised in 2021. Lending and financing make up the second most funded fintech sub-sector, and recent events such as M-KOPA’s USD 75 million funding round show it is set for steady growth.
Increased competition within the digital credit ecosystem bodes well for consumers, as even traditional lenders join the space over fears of becoming irrelevant. While credit access does not solve poverty, it provides a reliable cushion for households facing increasing instability. More choice allows households to make decisions that best suit their needs in their current context, while governments and industry work on pursuing post-COVID-19 fiscal stability.
About the Author
Jasmine Okorougo is an Associate Consultant at Africa Practice with a special focus on political economy and digital financial service developments across sub-Saharan Africa. She can be reached at [email protected]
*Photo credit: GSM Association


text: Spring Cleanup week is coming in Pella. Its a chance to get rid of large items not normally picked up during garbage collection. Most items can be disposed of with a few exceptions including electronics, chemicals, and construction material. Items will be picked up on standard garbage collection days between April 1st and 5th. Contact Midwest Sanitation for more information on items that can and cannot be picked up.

domain: news


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WickedLeak, the home grown phone maker has announced the launch of yet another quad-core Android smartphone in the country today. Dubbed as Wammy Passion Z+, the smartphone is a successor of previously launched Wammy Passion Z smartphone. Priced at 15,990, WickedLeak Wammy Passion Z+ is now available for purchase from the official website of the company.
In terms of specifications, WickedLeak Wammy Passion Z+ packs 5-inch IPS LCD 1080p display and runs on Android 4.2.1 Jelly Bean platform along with 1.5GHz quad-core MediaTek MT6589 Turbo processor, 1GB RAM and 4GB of internal memory.
As per the product listing, it also has 13 megapixel rear camera, 2 megapixel camera at the front, microSD card slot for expanding memory up to 64GB, and 2500 mAh battery to supply the power to the phone.
For connectivity, it comes with the support of 3G, Wi-Fi, Bluetooth, GPS. It is available in two colours–Black and white.
At this price and with these kind of specifications, WickedLeak Wammy Passion Z+ is competing with the likes of recently launched iBerry Auxus Nuclea N1, XOLO T1000 Play, and Micromax Canvas 4, which are also powered by quad-core processors and Android 4.2 Jelly Bean OS.


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Yes, it is legal to buy CBD oil from India on the Internet. However, there are some restrictions involved. In fact, you can legally buy CBD oil from Australia made entirely with hemp rather than cannabis. It’s widely available for purchase and consumption as well.
One of the many questions about cannabis that persists is whether or not it is okay to have recreational use of the cannabis plant. There is no law currently in place in the US or Canada that prohibits individuals from growing cannabis plants for their own personal consumption. That said, there are a number of countries around the world that do have laws against cultivating cannabis for recreational use. In these places, individuals who grow cannabis plants for their own recreational use face hefty fines. In fact, some countries actually have laws against the cultivation and selling of CBD oil. If you wish to use CBD for medicinal purposes, then you need a source that is legal in both Canada and the US or Australia – but which nation has the strongest laws against CBD?
The answer could help you decide if you should consider buying CBD products from an online retailer in Australia. In the US, there are currently five states (California, Connecticut, Rhode Island, New Hampshire and Maine) that have legalized the adult use of marijuana and three more that regulate its sale (Massachusetts and New Hampshire). While marijuana is a Schedule II drug – the most dangerous classification in terms of the federal government’s definition of illegal drugs – CBD is not yet schedules II. This means that the US government considers CBD a herbal extract and not a controlled substance. This is good news for consumers in Australia who could be in luck should they want to purchase CBD oil from an online retailer in Australia.
When it comes to buying CBD oil products in the US, you may find that there are quite a few choices. While several pharmaceutical companies have been producing pharmaceutical grade CBD oil products in recent years, the bulk of what’s available online is derived from the same hemp plant that’s used to produce the other popular medical cannabis products such as marijuana. Just as with marijuana, there are strains of CBD that vary in strength and quality. Some companies that sell CBD products online in Australia offer strains that are higher in CBD content, while others offer lower quality strains.
If you live in the US or in any of the four corners of Europe where cannabis is illegal, buying CBD online in Australia can be difficult. Currently, the only way to legally buy cbd oil in Australia is through an importation order, which is controlled by the Australian Federal Government. To buy CBD in any other country, including the US and Canada, you would need a valid prescription issued by a licensed physician, which could take anywhere from two weeks to a few months. When compared to the therapeutic benefits that CBD offers, importing this oil presents some significant challenges. Some companies have chosen to bypass the legal hurdles posed by Australia’s federal laws and sell CBD online in Australia directly from their facilities in Europe.
Several major players in the CBD market in Australia such as Sushant Singh Rajputani Trading Corporation Limited and Synergy Pharmaceuticals have made a name for themselves in the global marketplace by producing high-quality CBD oil. They source the raw material from India. In addition to providing consumers with affordable CBD products, these companies also export the oil to many countries, including Italy, Spain, Germany, Russia, China, Thailand, Vietnam and Indonesia. The focus of these companies is on growing demand for cheap, reliable and efficient pharmaceutical grade CBD available now and moving it to the markets where demand often matches the ability to supply. Some companies in the niche have also introduced CBD into the United States and European markets.
The benefits of CBD that are known so far include the following: it has no side effects, is fast acting, contains very low levels of THC, which makes it extremely safe even for children, and the cannabidiol in the oil does not grow out of the marijuana plant. As well as being highly beneficial for people suffering from debilitating diseases, CBD is also good for increasing alertness and improving memory and concentration. In fact, recent clinical trials have shown very positive results in ADHD and other brain disorders such as schizophrenia, depression and anxiety. Even more encouraging for medical professionals is the fact that CBD is currently one of the most effective natural substances known to boost the brain’s neurotransmitters (neurotransmitters are chemical messengers that convey information between nerve cells).
It’s clear that CBD is a huge and promising product for numerous health conditions across the globe, but its cultivation is restricted to certain countries in the world such as Australia where the substance is considered illegal due to the federal law against cannabis. However, that legislation is now being challenged in court in an attempt to enforce it across state lines and in regions where cannabis is legal. As time goes by, CBD oil products will become available across the entire country thanks to the tireless work of advocates and politicians such as President Obama and his team of medical advisors.


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For one-quarter of Super Bowl viewers this year, the game won’t be the draw, the commercials will be. According to a January survey from the Retail Advertising and Marketing Association (RAMA), conducted by BIGinsight, the commercials were the second-biggest reason for tuning in, cited as the most important part of the experience by more respondents than getting together with friends or the halftime show.
Even those tuning in for the game itself are highly likely to be receptive to commercials. More than three-quarters of respondents told BIGinsight they viewed the commercials as entertainment, up from 73% last year—however, only 10.5% said they were actually influenced to buy as a result of the spots. Read the rest at eMarketer.


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The City of Meridian held a town hall meeting this evening to talk about recycling changes in Ada County.
About 50 people packed the auditorium at the Cole Valley Christian High School wanting answers.
Global policy changes have prompted an adjustment in what can be recycled. According to the City of Meridians website, they will take items stamped with number ones and number two on them such as milk jugs, soda cans, and detergents bottles. Items like water bottles and Styrofoam are not on the list. One Meridian resident said it can be confusing
"I want to know where to put the items that are plastic materials that do not have a logo on them and a number stamped on them," said Connie Barczi, Meridian Resident.
Dave Fisher a spokesman for Republic Service said in a situation like this its best to check the city's website because recycling the wrong items can cost money and manpower.
Here is a complete list of what items can be recycled:


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The purpose of these actions is to ease strains in financial markets and thereby mitigate the effects of such strains on the supply of credit to households and businesses and so help foster economic activity.
Published on 30 November 2011
// News // Minutes
Minutes of the Wholesale Distribution Steering...
Minutes of the Wholesale Distribution Steering Group - October 2019
// News // News release


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Unilever Netherlands Move Cancelled On Investor Pressure
The FTSE listed company Unilever, which makes, amongst thousands of household name products, Dove soap and Marmite, has announced that they are cancelling their planned headquarters relocation to the Netherlands.
The cancellation was due to increasing concerns and criticism from investors.
London And Rotterdam
While the company currently has Headquarters in both London and Rotterdam, they announced plans earlier this year (March) to amalgamate the two into the Dutch office, thus leaving the UK completely.
However, this sparked a backlash against the company, with many investors and traders claiming that they would sell their shares in protest of this move.
As such, Unilever announced that because the proposal ‘had not received support from a significant group of shareholders’, they would be revoking their proposal and keeping their London office.
Despite this, the chairman of the company Marijn Dekkers announced that he and the board still felt that the simplification of the structure of Unilever was in the best interests of the firm, and that they would continue to look for ways to simplify the company.
Unilever are prominent on the global stage and one of the largest firms within the UK FTSE 100, with their current share prices giving them an estimated worth of £124 billion.
The company has existed since 1930, when the Dutch margarine firm Unie merged themselves with the UK based soap manufacturer Lever Brothers.
Their dual-headed headquarter structure has been in place since this time, so any change to their structure would pose a significant change for the company.
If the company had left their UK headquarters, they would not have been eligible to be listed within the UK FTSE 100, which many investors felt would devalue the shares, causing mass share dumping and significantly reduce the share price overall.
It has been suggested that the plans themselves were in reaction to Brexit and the uncertainty of the future trade arrangements between the UK and the rest of Europe, along with the short-lived attempt by Kraft-Heinz to take over the company through hostile means.
Ultimately, the plans are currently not going ahead, but there may be attempts in the future by the company to distance themselves from the UK.


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Do-it-yourself scares and infamous horror icons are expected to dominate tri-state area streets this Halloween, alongside several more recent pop culture favorites.
With the holiday drawing closer, area retailers reported an uptick in demand for personalized, DIY-style costumes. While some consumers are driven by cost, local merchants say others just want a unique look.
“I’ve already helped one guy make a costume for (the movie) ‘Predator,’” said Lizzie Rodriguez, assistant manager of Spirit Halloween in Asbury Plaza in Dubuque. “It wasn’t something we had a packaged costume for, so we used a bunch of pieces from different sections to make a whole costume, like the cape from Batman and some of our fake turtle skeletons for the bones.”
Rodriguez added that easily-adapted pieces such as animal ears, horror movie masks and fake blood also have been popular this year, alongside the store’s “color wall” that includes various pieces that can be mixed and matched with different costumes.
Kids are more likely to select the pre-packaged costumes than adults, she added, with some popular youth choices including Barbie, Bluey and Ninja Turtles.
“Five Nights at Freddy’s (video game characters) is another really popular one with the kids right now,” Rodriguez remarked. “We’ve actually sold out of a few of those.”
Halloween spending is expected to hit an all-time high this year at an estimated $12.2 billion nationwide, according to National Retail Federation. Of that, roughly 33% is expected to be spent on costumes.
Many national favorites mirror local trends, with frontrunners including perennial favorites such as witches, vampires and ghosts. According to Google Trends data, the most popular costume search in the Dubuque area is “dinosaur,” which ranks third in searches nationwide.
Barbie and Spider-Man costumes also picked up steam this year, bolstered by the respective releases of Greta Gerwig’s “Barbie” and Sony Pictures’ “Spider-Man: Into the Spider-Verse.”
An estimated 1.8 million U.S. adults plan to dress up as Barbie, according to National Retail Federation data, with many local residents expected to jump on the plastic bandwagon.
“We’ve already had a few girl groups come in looking for our pink clothing, or the latex and the heels,” said Jaydn Giellis, supervisor at Stuff Etc. “And we’ve seen a few Barbie and Ken couples costumes, too.”
The Dubuque consignment store offers pre-packaged costumes for kids, as well as a variety of clothing and accessories that can be incorporated into homemade ensembles.
The more DIY-style costumes are particularly popular with teens, Giellis said, as well as larger friend groups or couples looking for coordinated costumes.
At Bins of Treasure Liquidation in Dyersville, Iowa, co-owner Amanda Rankins also said a regular stream of people has come in looking for costumes.
Most of the sales so far have been to adult customers looking for classic costumes, she said, or those in the style of various animated film characters.
“Since we’re a liquidation store, we always get some of the prior season’s costumes versus the most recent,” Rankins said. “That means we have some pieces everyone else doesn’t have this year, and people can find something a little more unique.”
Demand for Halloween décor is similarly robust. This year alone, National Retail Federation expects U.S. consumers will spend roughly $3.9 billion on decorations to fill their lawns with fake tombstones or staged skeletons.
At the Elizabeth’s Grand Antique Company in Elizabeth, Ill., cashier Sharilyn Angell said fabric pumpkins, witches’ brooms and scarecrows have been selling “like hotcakes.” On Monday, one customer walked away with a 6-foot mummy.
The antique company includes displays from a variety of local vendors, Angell said, meaning there is something for everyone nestled among the shelves. And the aged feeling of some of the pieces can lend a certain spooky feeling to a Halloween display.
“We’ve had some people come in looking for old doll heads, and those are pretty creepy,” she said. “We have one booth in particular that specializes in those weird, quirky things like a pen made out of (plastic) bones or props from ‘The Shining.’”
Rodriguez said décor sales also have seen early success at Spirit Halloween. A jumping spider decoration and light-up spider webs have been fan favorites, alongside classics such as scythes and skeletons.
“It’s been kind of a nostalgia year for people,” she said. “A lot of people are going back to the classics.”


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Not content with battling one technology giant, Samsung is now taking on another.
But the latest fight isn’t in the courts, it’s for customers’ affections, and their money. While the focus may have been on Nikon recently when it comes to Android-powered compact cameras, Samsung is also dipping its toes in the hybrid market.
Nikon was the first to market its point-and-shoot Coolpix s800c model as a “social imaging device”. But it now finds itself going head-to-head with Samsung.
Samsung’s Galaxy camera uses Google Android 4.1 Jelly Bean OS to allow users to download a whole host of apps. It means there’s no longer any need to transfer your images to your computer before you start to tweak them.
You can make all the changes you want within the camera itself. So, if retro-style photo-filtering app Instagram is your latest app of choice, you can load it up onto your camera, alter your images and upload them straight away onto the likes of Twitter and Facebook, using built-in Wi-Fi and 3G connections – no need at all to even take your smartphone out of your pocket or boot up your notebook.
But it’s not just a bit of fun for the social networkers among us, it’s a seriously equipped compact for taking seriously good photos.
Experts have already questioned whether the idea will ever take off. Martin Gill, who is principal analyst at Forrester Research, which specialises in technology advice said the challenge for camera manufacturers will be making sure their new gizmos are relevant in the fast-paced world of technological advances.
“People carry mobile phones wherever they go, so a point-and-shoot camera will only ever be an add-on product they would also have to take with them,” he said.
But Samsung may just have answered its critics. Robert King, the UK’s vice president of Samsung consumer electronics, said: “In this new era of visual communication, the Samsung’s Galaxy Camera marks a breakthrough in convergence technology, combining the leading edge design of our Galaxy mobile products with high-performance photographic capability.”
You get an impressive 16 megapixels and a 23mm wide angle lens along with a 21x optical zoom. So, for those wondering why they would want to carry a smart camera along with their smartphone, well, the specifications probably answer that one. The Galaxy camera also comes with in-house apps from Samsung, including Movie Wizard, which helps you edit your videos.
And, if you can’t find anything you want to take snaps of, well, you could always use the full gamut of Android apps you have access to to have some fun. You can play games, read e-books or a magazine, catch a movie or log onto Google maps to figure out how to get to your next snap-happy destination. So, it may prove popular with holidaymakers who want to take decent quality snaps along with catching up with the latest bestseller on the beach.
Whether or not smart cameras become the next big must-have in the world of technology remains to be seen but we can already see the appeal.


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The hard-driving executive pioneered the concept of the personal computer and of navigating them by clicking onscreen images with a mouse. In more recent years, he introduced the iPod portable music player, the iPhone and the iPad tablet -- all of which changed how we consume content in the digital age.
More than one pundit, praising Jobs' ability to transform entire industries with his inventions, called him a modern-day Leonardo Da Vinci.
"Steve Jobs is one of the great innovators in the history of modern capitalism," New York Times columnist Joe Nocera said in August. "His intuition has been phenomenal over the years."
Jobs' death, while dreaded by Apple's legions of fans, was not unexpected. He had battled cancer for years, took a medical leave from Apple in January and stepped down as chief executive in August because he could "no longer meet (his) duties and expectations."
CNN has the highlights of Jobs' eventful life in the obituary. Link
(Image credit: Apple)
We never forgot you, all around the world. You change our thinking, we start think on another way.
We last generation of USSR. People about 35 year old.
You never die in our hart.
Just sleep well, sleep well.
THANK YOU SO MATCH!


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Environmental awareness has long been a priority of Goodwill, whether it’s the green building practices we teach in YouthBuild, the environmental friendliness of our store construction, or simply the act of keeping goods out of landfills by way of donating and reselling. But we took it to another level last year.
In 2012, energy conservation specifically was a big part of Goodwill Industries International’s (GII) agenda – so much that GII established a movement-wide friendly competition to see which agency could best improve the energy efficiency of their buildings. Facilities Manager Ross Tremaine said the agency began replacing the lighting at all of its stores in the Omaha Public Power District (OPPD) area last spring.
“We changed out all of the lights to more energy-efficient bulbs,” he said. “That was in conjunction with rebates that OPPD is offering in an effort to help businesses go green; we are taking full advantage.”
Tremaine said that the light output of the new bulbs is equivalent, if not better, while using less power – creating both energy and financial savings. The contest results will be in sometime in mid-2013, but even if we don’t win, we’re making a difference.
There’s been a noticeable change in some of our back rooms as well. When we opened our 78th & Dodge retail store in November 2011, the space we moved into wasn’t large enough to accommodate a trash compactor — a fixture in the back room at all of our retail stores. The plan was to have a truck come by several times a day to pick up the store’s trash and take it down to the Retail Operations Center, where it could be compacted and sent away.
But that didn’t end up happening. The 78th & Dodge retail team were so cautious about what they discarded — while being more mindful of what could be recycled — that those multiple daily trash pickups turned into just single pickups — less than half of what was expected. And once they set that example, our retail operations department asked itself if it could replicate this success elsewhere.
The answer was such a resounding “Yes” that in July 2012, our Benson Park Plaza store’s compactor was removed completely.
In 2011, the Benson Park Plaza store was averaging two trash pickups per month. But in 2012, the store manager and staff were doing such a great job monitoring their trash that they averaged fewer than one per month.
Goodwill employees have been so effective at ensuring the efficient sorting of all of our donations — whether those donations are going to the sales floor, to the WearHouse, to GoodBytes or separated for recycling — that our trash compactors are seeing only a fraction of the use that they once were. The retail department’s trash bill in 2012 was less than half of what it was in 2011. It’s also great for the environment, as we send less and less to landfills even as our operations continue to grow. And it’s great for our donors, who can be assured that their donations are being put to their best use.
As a result of the hard work at all of our locations, our recycling numbers across the agency continue to climb. In 2012, we recycled more than 5.9 million pounds of clothing, more than 390,000 pounds of shoes, more than 987,000 pounds of computers and computer components, more than 295,000 pounds of cardboard, more than 20,000 pounds of paper and more than 10,000 pounds of plastic.
It’s just another way our retail department demonstrates its commitment to the agency and the environment.


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According to Stuart Elliot writing in the New York Times, the recovery in advertising spending continued in the fourth quarter last year, according to a report that is to be released on Thursday morning, resulting in a solid full-year gain compared with the results of 2009. Ad spending in the United States in the fourth quarter increased 7 percent from the same period of 2009, said Kantar Media, a unit of WPP that tracks marketing activity in major media. That, added to the results from the first three quarters of 2010, combined for a total increase of 6.5 percent compared with 2009.
In 2009, ad spending fell 12.3 percent compared with 2008 as the poor economy led many marketers to cut back their spending for advertising. The gain of 7 percent for the fourth quarter was an improvement from the increase registered in the first three quarters of 2010 compared with the same period the previous year, which was 6.4 percent. The fourth-quarter increase was, however, smaller than the gain in the third quarter of 2010 compared with the same period of 2009, which was 8.7 percent — the largest quarterly increase measured by Kantar since the fourth quarter of 2004.
The gain for the fourth quarter was the fourth quarter in a row that ad spending rose compared with the same quarter the previous year. That also means ad spending rose in all four quarters of 2010 compared with the same quarters of 2009. The rising tide has not lifted all the boats, contrary to the old saying. “While television media have recouped their losses from the 2009 advertising downturn,” said Jon Swallen, senior vice president for research at the Kantar Media North America unit of Kantar Media, “several other large segments are still 15 to 20 percent below their 2008 peak.”
Those include various types of print media like newspapers and magazines. For instance, Mr. Swallen said, ad spending in local newspapers has now declined for 21 quarters in a row. Television media enjoyed the biggest increases in 2010, according to the Kantar Media, gaining 10.3 percent compared with 2009. Internet display ads were close behind, up 9.9 percent, followed by outdoor media, up 9.6 percent; radio media, up 7.6 percent; free-standing coupon inserts, up 5.4 percent; and magazine media, up 2.9 percent.
Newspaper media was the sole category to suffer a decline last year compared with 2009, of 3.5 percent. The reason was that gains in ad spending in national newspapers, up 2.7 percent, and Spanish-language newspapers, up 2 percent, could not overcome the decline in ad spending in local newspapers, which was 4.6 percent. In looking at types of advertising, there were increases in 2010 in 8 of the 10 biggest categories. The exceptions were direct response ads, down 5.8 percent from 2009, and pharmaceuticals, down 8.2 percent from 2009. The category with the largest gain was, coincidentally, the largest category, automotive advertising, which soared 19.8 percent compared with 2009. Ads from auto dealers climbed 26.3 percent and ads from the automakers rose 16.4 percent.
Other robust gains came in categories like personal-care products, up 11.7 percent from 2009; miscellaneous retail, up 9.3 percent; and food and candy, up 7.1 percent. Turning to the marketers that did all the spending, Procter & Gamble led the list of big spenders for the eighth year in a row, at $3.1 billion, up a strong 17.7 percent from 2009.Of the Top 10 spenders, 5 spent more than in 2009, with increases ranging from 10.5 percent, for the News Corporation, to 30.6 percent, for L’Oreal. Of the five that spent less last year than the year before, the declines ranged from 0.5 percent, for Time Warner, to 15.2 percent, for Verizon Communications. The top 10 largest spenders, in descending order after Procter & Gamble, were: General Motors, AT&T, Verizon, the News Corporation, Pfizer, Time Warner, Johnson & Johnson, Ford Motor and L’Oreal.
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Briscoe Group revives speculation about Kathmandu bid
Questions are being raised as to whether listed retailer Briscoe Group is planning another tilt at outdoor clothing company Kathmandu.
In a surprise move on Friday, Briscoe announced it would seek a "foreign exempt entity" listing on the ASX next week, alongside its existing NZX listing.
"We believe that the greater visibility from a dual-listing will contribute to increased investor interest and a broader shareholder base which will increase our ability to take advantage of fresh opportunities that we identify," its chairwoman Dame Rosanne Meo said.
She said the company would not be seeking to raise capital in conjunction with its listing.
No further details were available, although there could be more said at the company's annual meeting next Tuesday.
Briscoe, one of the country's most successful listed retailers, hinted at Australian aspirations when it made a takeover bid for Kathmandu in 2015.
Kathmandu's shareholders rebuffed the offer, but the dual-listed company has many Australian investors.
Briscoe already owns 20 per cent of Kathmandu and has never officially given up hope of owning the company which would have given it an Australian foothold.
Shane Solly, an analyst with Harbour Asset Management, which holds 6.1 per cent of Kathmandu, said he did not want to make any assumptions.
But one of the stumbling blocks for Australian investors in Briscoe's previous offer was that it was a largely share-based offer when Briscoe itself was not on the Australian sharemarket.
An ASX listing "does open the path" for further dialogue over Kathmandu, he said.
A Briscoe expansion into Australia would also not be simple, as the Rebel Sport brand which Briscoe runs in New Zealand is operated by another company, Super Retail Group, across the Tasman.
There has also been a drift of New Zealand companies to the Australian sharemarket in recent times to tap into bigger pools of capital. Recent examples include AFT Pharmaceuticals, Volpara and Trilogy.


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How did Black Friday, the day after Thanksgiving, get its name? There are two explanations: the traffic that clogs roads as shoppers flock to stores in search of a bargain, or the point when retailers begin turning a profit as the Christmas build up begins.
Either way, it’s a huge opportunity for online retailers. Black Friday 2016 was the biggest in US history with US$3.34bn spent online in just 24 hours [ADI]. The day has taken off in Europe too. In the four years to 2015, spend rocketed 124%, making it the year’s biggest single sales day (it overtook Cyber Monday in 2014).
So how can online retailers ensure their mail solutions are up to scratch and order fulfilment systems don’t become a traffic black spot? Asendia UK's Production Director Luis Barros and General Manager Carl Loader share their top 10 tips to prepare your business for Black Friday.
Fill out the form below to download our 10 tips to prepare your business for Black Friday!
Production Director, Asendia UK
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Couple tees up shipment to new Malawi hospital
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Hey there, time traveller!
This article was published 24/11/2008 (5120 days ago), so information in it may no longer be current.
In two months time, Sonia and Merv Michalyshen are travelling to the African nation of Malawi to make dreams come true.
They are volunteers with International Hope Canada, a Winnipeg-based volunteer organization that collects and sends redundant but usable medical supplies to developing countries. The retired couple has spent much of 2008 arranging for a 40-foot shipping container full of medical supplies to be shipped to the extremely poor nation. The supplies will be used to help Katete Hospital, a new medical facility that deals with HIV, AIDS-related illnesses and a high infant mortality rate.
Several years ago while volunteering in Malawi, Sonia, a retired nurse, and Merv, a teacher, met Sister Florence Msowoya. Earlier this year, the nun and charge nurse wrote to the couple with a simple plea for help. She’s getting more than she asked for.
The huge shipping container, packed by volunteers and shipped earlier this month, contains more than 1,100 items, including an operating-room table, hospital beds, wheelchairs and more than 800 boxes of medical supplies.
Though International Hope usually partners with other organizations to cover the cost of the supplies they ship, the Michalyshens made Project Malawi their personal mission. Hitting up friends, family members, businesses and fellow parishioners at their church, they raised the $17,000 it cost to send the huge container overseas. In mid-January, Sonia and Merv will travel to Malawi to personally accept delivery of the container and help set up the hospital with its contents.
“It’s just exciting to think that these people are going to open up this container and everything that comes off there, they don’t have,” said Sonia, who helped found International Hope Canada.
The last thing they packed into the container was a huge International Hope Canada sign, Merv said.
“When the doors open, that’s the first thing they’ll see and we’re going to make sure that Sister Florence is going to be the first one,” he said. “I want to see Sister Florence’s face when we open up that container.”
The supplies shipped to Malawi, which were donated by hospitals and medical-care facilities, are outdated in Canada but extremely valuable and much needed in Malawi.
If you know a special volunteer who strives to make their community a better place to live, please contact Erin Madden at email@example.com.


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the American company, Apple, has obtained a patent for the long-awaited foldable phone, to enter the circle of competition with its rival, Samsung.
However, according to reports, Apple has no intention yet to manufacture this phone, and the new “iPhone”, if produced, would compete with “Samsung” foldable phones, and may outperform them due to the problems it suffers from due to damage to the bent area of the screen, according to “Sky News Arabia”.
• According to the patent highlighted by the British newspaper “Daily Mail”, side buttons are placed on the new “Apple” phone to control volume, screen brightness, camera and other options.
• The patent indicates that the phone will open vertically to provide a more extended screen, compared to other designs that open horizontally to form a tablet-like structure.
• In order to avoid the problems faced by the “Samsung” foldable phones, “Apple” uses, according to the patent, more flexible materials in the line from which the phone is folded.
• The “Apple” patent comes at the same time that “Samsung” is being criticized for its “Galaxy Z Fold 3” phone, as its users are facing problems with the folding site, which affects the efficiency of the screen.


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- Oops!Something went wrong.Please try again later.
Yahoo Finance Live anchors break down the chart of the day.
- Trip now four hour chart of the day. We're going to take a look at Coinbase this morning. Share is actually on the move as we take a look at a big story for this company total app downloads for the cryptocurrency exchange falling this year.
And, Akiko, this is coinciding with the massive spill in crypto that may have some perspective crypto flippers scared. And the reason for why this is something to watch is because the stock has dropped almost 80% year to date. That makes Doordash look good. And Goldman Sachs now says it expects to see shares fall even further to $45.
Shares of Coinbase now down almost 8% off of the Goldman Sachs downgraded, which, by the way, was this morning. But you take a look at those downgrade or rather the app download numbers, I mean, not as many people are interested in getting involved. Either buying or selling crypto at the moment.
- Well, I mean, it's a tough time to get into crypto if you're going to download the app. But I think that's an interesting number because we've been trying to get a sense of the retail trade as well. We often think about sort of retail traders and crypto going hand in hand.
And what we've heard on the retail side of things, retail traders who are still investing in equities, that drop off hasn't necessarily happened. They're just investing in different spaces.
- Volume is still high.
- The volume is still there. But Coinbase is all crypto, so that's, you know-- therein lies the challenge.
- Yep. Again, Goldman Sachs expecting to see revenue base falling 61% year over year.


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China’s economy grew 3.2% in the second quarter following after a record slump.
The world’s second biggest economy saw a sharp decline in the first three months of the year during coronavirus lockdowns.
But figures released on Wednesday show China’s Gross Domestic Product (GDP) returned to growth during April to June.
The numbers are being closely watched around the world as China restarts its economy.
The figure is higher than experts were predicting and points towards a V-shaped recovery for the economic powerhouse.
It also means China avoids going into a technical recession – signified as two consecutive periods of negative growth.
- China’s economy shrinks for first time in decades
- China scraps annual growth target for first time
- China attacks UK’s ‘groundless’ Huawei 5G ban
The bounce-back follows a steep 6.8% slump in the first quarter of the year, which was the biggest contraction since quarterly GDP records began.
The country’s factories and businesses were shutdown for most of this period as China introduced strict measures to curb the spread of the virus
The government has been rolling out a raft of measures to help boost the economy, including tax breaks.
“China’s V-shaped recovery has largely completed. Industrial production and investment growth have both turned positive in recent months,” said a research note by Deutsche Bank.
“Consumer spending is still below its pre-Covid path, but the remaining gap is largely concentrated in a few sectors – travel, dining, leisure services– where rapid recovery is unlikely,” it added.
In May, China announced it would not set an economic growth goal for 2020 as it dealt with the fallout from the coronavirus pandemic.
It is the first time Beijing has not had a gross domestic product (GDP) target since 1990 when records began.
For the first six months of the year, China’s economy fell 1.6%, its National Bureau of Statistics said.


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Import of fertiliser
The lower import of key fertilisers owing to world-wide selling price increase of the crop vitamins is unlikely to influence yield of crops this yr. Having said that, reduction in import of potash could impact the “shining” quality of domestically offered fruits and greens.
“There was a need to take a determination on use of chemical fertiliser and the governing administration has determined to import as per ‘actual requirement’ as world wide costs hit the roof,” an agriculture scientist reported requesting anonymity. “To be certain, there will be no impression on yield this 12 months even if there is reduction in software of urea, diammonium phosphate (DAP) and Muriate of Potash (MOP),” he claimed introducing the soil has previously excess of these vitamins and minerals due to imbalanced application.
The official focus on for 2021-22 foodgrain output is 307.31 million tonnes (mt) — 155.88 mt from rabi time and 151.43 mt from kharif. The country’s foodgrain output jumped to a report 308.65 mt and that of horticulture production to 331.05 mt through 2020-21 crop 12 months (July-June).
Incidentally, there were document income of fertilisers at 67 mt and also an all-time superior import of about 20 mt in 2020-21.
Questioned if the lessen application will affect exportable fruits and greens, he reported the exporters are aware about the implications (of overuse) and they will make confident of considered use from the recent availability of potash.
Drop in imports
There has been a key minimize in import of potash (K) fertiliser as the region is totally dependent on overseas source and the sector is not all set to provide in far more quantity than what they can promote owing to fixed subsidy, unlike in phosphorous (P) in which government support was increased twice this fiscal, sector sources claimed.
The import of potash was 17.4 lakh tonnes (lt) for the duration of April-December this fiscal from 42.3 lt in entire 2020-21 and is unlikely to maximize much in January-March.
In case of DAP, the import was at 42.56 lt during April-January of FY22, the govt reported in parliament. Of this, about 2.46 lt ended up imported in January as providers are gearing up for the next kharif time and will get started contracts centered on subsidy plan. Finance Minister Nirmala Sitharaman has allocated ₹16,800 crore for import of P and K fertilisers during FY23 — a lot more than double from ₹8,260 crore in BE of FY22, but lower than the revised estimate of present fiscal at ₹25,087.34 crore.
Prices of MoP have been close to $280/tonne (CIF) in India all through June very last calendar year, but went up to $445 by September and even further to about $600 in December. Urea costs, way too, went up to $1,000/tonne in November past calendar year from about $400 in April. DAP rates also moved to about $700/tonne in September from about $445 in June.
While potash is mostly employed in horticulture and plantation crops, urea and DAP are utilized in all crops. The most retail selling price (MRP) of a 45-kg bag of urea is ₹242 and that of a 50-kg bag is ₹268, all prices special of costs towards neem coating and taxes as relevant. The Centre has not changed the MRP of urea considering the fact that 2012, when it was increased by ₹50/tonne to ₹5,360.
In Oct last year, the govt experienced authorized an supplemental fertiliser subsidy of ₹28,655 crore to insulate farmers from spending added for DAP following international price ranges surged. Earlier in June also it experienced accepted ₹14,775-crore more subsidy on DAP. While the govt pays a mounted subsidy for P and K fertilisers leaving the firms to decide the promoting value, it had to intervene this fiscal to maintain the DAP value underneath test at ₹1,200 for each bag (50 kg). However, no such announcement was designed for MoP fertiliser.
February 09, 2022


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It’s well-known that Apple isn’t known to waste time when it comes to moving ahead on production of forthcoming devices, even when a brand-new model was just introduced to consumers. Case in point: the new, fourth-generation Apple TV was just released in October, following three years without an update, but now Apple is prepping to begin production of a fifth-gen model in early 2016. This comes a day after the news that analyst Ming-Chi Kuo is predicting a new 4-inch iPhone model to debut in the same time period.
The rumors of a refreshed Apple TV are said to originate from Taiwan-based supply chain makers, reports DigiTimes, who add that a limited trial production could begin this month. It is believed that the fifth-gen Apple TV will feature a faster CPU to “drastically improve the hardware performance,” as well as “add new functions.”
While the current fourth-gen Apple TV already has a large heat sink, DigiTimes notes that the use of a faster CPU will have Apple implementing a new “heat-dissipation solution.” It’s worth mentioning at this point that DigiTimes has a fairly mixed track record when it comes to Apple product predictions and rumors, and the website fails to mention what “new functions” another Apple TV model could introduce.
However, should mass production start in early 2016, it would put the Apple TV on time for a release in mid to late 2016. There’s also the chance that a refreshed streaming box could be released alongside Apple’s long-rumored subscription television service, which was expected to be announced this year.


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History has proved this isn’t necessarily the case, and now it looks like Google’s Pixel phones are struggling with another problem, this time also breaking down apps like Google Maps and Waze. This means your navigation apps might start malfunctioning, and it’s not because of a bad update, but due to onboard sensors apparently broken down.
This isn’t a new problem, but according to reports, it’s now plaguing the Google Pixel 5 too. Pixel 5 is Google’s latest and greatest phone, so it’s rather surprising the company hasn’t resolved the issue already.
By the looks of things, the compass, the gyroscope, and the proximity sensors are all hit by these problems, and at this point, it’s not exactly clear what’s causing the whole thing. But on the other hand, if the compass is missing in Google Maps or the map no longer adjusts according to your directions, then there’s a chance your Pixel is impacted by this sensor problem.
Interestingly, Google has reportedly included a fix in the December 2020 software update, yet the company hasn’t said a single thing about it. So right now, if you’re struggling with the same issues on a Google Pixel, the first thing you should do is to install the most recent system updates published by Google.
Those encountering GPS issues in Google Maps and Waze on a phone from a non-Google brand, just make sure the sensors are correctly calibrated. There are lots of apps in the Google Play Store that let you check how sensors work, and without a doubt, this is a good point to start should you want to determine the cause of broken navigation.


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If the tech fits.. Google glasses, wired bras – tech u wear is set to take off. In a big way.
Click to enlarge
As if technology isn’t fashionable enough at the moment (think how proud owners flash their latest smartie, iPad), demand for augmented-reality eyeglasses, as debuted by Google (basically a smartphone on specs), cocktail dresses that light up when your phone rings and sports bras that monitor heart rates, is set to explode, IMS analysts reckon.
Wearable tech are devices that are worn on the body for an extended period, enhancing user experience via features like wireless connectivity and independent-processing capability.
But now with tech advancements, there is “major potential for growth in all kinds of wearable technology products,” IMS predicts.
By a whopping 500% in 4 years, meaning a lot more of us will be sporting gaming vests, smartwatches that sync with your phone and health monitoring wristbands.
Hell, Nokia have even patented a ‘vibrating tattoo’ which alerts you when your phone goes off, using ferromagnetic ink.
The wearable technology market is likely to rise fivefold by 2016 to almost 93 million units, tech researchers IMS said today. In 2011, just 14 m wearable devices were shipped.
Click to enlarge
Wearable tech already has huge appeal for fitness fanatics who check heart rates and running times on mobile devices like the iPhone, but future smart devices will transmit real-time info like news, maps or cinema times, with the potential to be used for more serious medical purposes such as monitoring vital health signs and augmented senses, says IMS.
Google Glasses, unveiled earlier this year, are a pair of augmented reality glasses that feed information across the (left lens) screen including emails, video chat, Google searches and GPS directions. AR may play a big part in the wearable tech field in the future. Nokia already uses AR navigation on its newly unveiled Windows 8 phones as does BlackBerry.
Analysts are also predicting “significant progress” in wearable technology, including new products that are produced in mass numbers, with Adidas, Nike among the major names and already flogging devices.
In other words, the sky is the limit as far as what tech will bring so who knows what wired devices we’ ll be wearing a few years time.
“Wearable technologies provide a range of benefits to users, from informing and entertaining, to monitoring health, to improving fitness, to enhancing military and industry applications,” said Theo Ahadome, senior analyst for medical research at IMS Research.
The United States is the leading region for wearable devices at present along with Europe and Japan.


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The BBC just isn’t responsible for the content material of exterior sites. A staff in Cornell Engineering has created a brand new lithium battery that may charge in underneath 5 minutes—faster than any such battery on the market—while sustaining stable efficiency over extended cycles of charging and … By revamping a forgotten warmth restoration method used within the design of Montreal’s Royal Victoria Hospital, McGill University researchers say modern temperature management and air flow design could be reworked. Embark on an interstellar journey of discovery and inspiration with SciTechDaily.
- The Pulse Delivering the top tales in sports activities, Sunday to Friday.
- Similarly, the Apple Watch Ultra 2 can additionally be obtainable at a discounted value of Rs eighty three,260 while the older Watch Ultra 1 is on the market for just around Rs sixty seven,240.
- Sunoh.ai also efficiently handles orders for labs, imaging, medications, and follow-ups, making the method seamless.
- Let’s discuss what Meta Quest three got proper, what it will want to enhance, and what a killer app or sport for this system might seem like.
- The once-powerful John Birch Society is essentially forgotten today, relegated to a pair of squat buildings along a busy business road in small-town Wisconsin.
The once-powerful John Birch Society is largely forgotten right now, relegated to a pair of squat buildings along a busy business avenue in small-town Wisconsin. The Biden campaign is betting huge on abortion rights as a major driver on this year’s presidential election. The EPA’s newest evaluation of water high quality and nutrient air pollution in U.S. rivers and streams exhibits virtually no progress on chopping the nitrogen air pollution that comes primarily from farm chemical runoff. A juror’s illness has forced a postponement of the defamation trial for former President Donald Trump for at least a day, delaying the query of whether or not he’ll testify about his statements about sexual assault accuser E. More than 600,000 folks served by the Memphis, Tennessee, water utility are on their fourth day of boiling water for ingesting, brushing tooth and getting ready food. WWE’s weekly tv show, “Raw,” will be moving to Netflix subsequent 12 months as part of a significant streaming deal price more than $5 billion.
Discover the present news on space exploration, astronomy, astrophysics, cosmology, and extra out of locations like NASA, JPL, ALMA, and ESA. View unbelievable new area images from sources like Hubble, Kepler, James Webb house telescopes. Hot sub-topics embody Astronomy,NASA, Astrophysics, Black Holes,Cosmology, Exoplanets, Hubble, Goddard Space Flight Center, Mars, Cassini-Huygens, James Webb Telescope, Juno, Gravitational Waves, ESA, and Dark Energy. Key highlights of MX-23.2 include Technology News the transition to Debian 12.4 “bookworm” base, making certain customers profit from the latest and most secure Debian offerings.
Xiaomi has officially confirmed that HyperOS is coming to India. As of now, it’s unclear if Xiaomi will launch a model new smartphone in the country with HyperOS or will update an already current Xiaomi/Redmi/Poco smartphone with AOSP-based HyperOS. Carl Pei has teased that, Nothing will launch a new telephone in 2024 in a cryptic way. Plenty of current rumours point out that the corporate would possibly soon announce a price range smartphone — Nothing Phone on the upcoming MWC 2024, which is said to sit between the Nothing Phone and the Nothing Phone . Get help deciding between utilizing in-house incident response software program or outsourcing to an incident response service supplier, and …
Further, the evaluations on the products launched equip an individual to choose the most effective product based on his necessities. The companies, events and merchandise launched by numerous Giants in the market like Dell, Microsoft, Apple, etc. are coated extensively. They aprovide the information on latest apps as properly, like WhatsApp, and so forth.
The Ganges river is likely one of the world’s most sacred waterways—and considered one of its most polluted. To restore it, India is enterprise one of the greatest engineering applications within the historical past of sanitation. Molecular farming company Moolec has inserted pig genes into soy beans to generate meaty-tasting proteins that can be grown in crops. The ARChive of Contemporary Music has one of the largest collections of vinyl information in the world and is at risk of shedding its residence. Its champions are making a case for the means forward for bodily media.
Although DJI is probably the best-known manufacturer of shopper drones, it hasn’t ventured into the world of delivery drones … until last week, that’s. The firm’s FlyCart 30 is now set to hitch the rising ranks of package-toting copters. Although most smartphones at the second are waterproof, you positively should not take them snorkeling with out an underwater housing. The Universal Lite is one such device that fits a extensive range of phones, allowing them to serve as underwater cameras. We’re also utilizing cloud companies like Netflix and Spotify, which still run in big information facilities that consume huge amounts of vitality. Finally, we’ll see a push towards more sustainable technology in 2023.
Well, a model new ultrasound-based 3D printing process may one day make that very thing attainable. Britain has fired its Dragonfire high-powered laser weapon at aerial targets for the primary time. The test of the Laser Directed Energy Weapon on the Ministry of Defence’s Hebrides Range was designed to show its power and accuracy. In 2023, look for continued progress around green hydrogen, a new clean-burning source of vitality that produces near zero greenhouse fuel emissions. Shell and RWE, two major European vitality firms, are creating the first major green pipeline from wind plants in the North Sea.


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The digital pod will be like an innovation lab with giant digital screens simulating applications in a live-use case scenario. The four pods are part of India's third-largest IT company's newly-carved division Wipro Digital that offers customers digital capabilities through strategy , design and technology.
“The idea behind a digital pod is that we can sit together with our customers and demonstrate to them what can be achieved by throwing in some artificial intelligence tools into their business processes. In many cases, we would also be working with them to fine-tune the tools to make the processes more automated and efficient," Wipro CEO T K Kurien said. He added it would be possible to simulate the end-to-end experience on the interactive screen.
Currently, the digital pod in Bangalore has 35 people and employs a mix of strategists, creative directors, digital marketers and designers. Kurien said the pod would reduce the development cycle time significantly, so that customers can go to market in a short time.
Wipro focuses on the execution of digital transformation agendas at scale, starting from the customer touch point to the entire back-office process. Most large IT and technology firms are carving out separate digital units, deploying automation and artificial intelligence tools.Accenture recently launched the Accenture Digital Services.
“Wipro's big focus is investing in open-source computing, digital transformation services, artificial intelligence and advanced technologies consulting and managed services.There is direct interest from the CEO downwards (for cognitive computing and automation) and have specific investments in this space, but they have been shy to launch anything officially," said Phil Fersht, CEO of US-based research and consultancy firm HfS Research, who has been following the company closely .
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Theresa May has now signed a letter to trigger Article 50, the start of the official process to leave the EU.
Record Year For Rolls Royce
Luxury car company Rolls-Royce has announced it had a record year in 2011.
The Sussex-based company sold 3,538 cars worldwide last year - 31% more than in 2010 and more than the previous record year of 1978 when the figure was 3,347.
China was the company's biggest market last year, followed by the United States and the UK, where there was 30% growth.
The record sales follow the announcement last September that Rolls-Royce intend to expand its manufacturing plant at Goodwood in West Sussex. Work on this will begin next month.
''We had an outstanding year in 2011 and we should take a moment to reflect on this great British success story,'' said Rolls-Royce Motor Cars chief executive Torsten Muller-Otvos.
He went on: ''Our business is in excellent shape. We are developing our dealer network, moving into new markets like South America, expanding our manufacturing operation in West Sussex to meet global demand and have plans to develop our product range.
''At the core of this extraordinary success is a dedicated, committed and, above all, passionate workforce.''
Ralph's feathers don't grow properly, leaving him with bald patches - his old suit had got tatty!
MTR will run the franchise with First Group for seven years from August, taking over from Stagecoach.
A man has been arrested in connection with the murder of Carl Scott.
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The Passport Services agency of the United States Department of State has increased the processing time for international travelers to as long as eight weeks.
According to The Washington Post, the agency said it would now take between six and eight weeks to successfully process a passport application, a 50 percent increase from the four-to-six wait time experienced before May 31.
MORE Impacting Travel
State Department officials said it offers an expedited processing service for an additional $60, which speeds up the arrival time of passports to between two and three weeks. While officials declined to comment on the long wait times when asked by The Post, the State Department did indicate short-staffing was to blame.
U.S. President Donald Trump and his administration “requested a 2.5 percent increase in airport checkpoint screeners for fiscal 2020,” according to The Post. The increase in employees would help with the forecasted rise in travelers.
Despite the record number of passports and passport cards delivered each of the last two years, the number of passport specialists employed by the government has dropped by 14 percent.
Now, union leaders are complaining about mandatory overtime hours as a result.
“To address high passport workload levels this summer, the Department is leveraging all available resources to ensure processing times do not rise further and that they return to lower levels by September,” a State Department official who declined to be named told The Post.
Comments & Discussion
Expedia Group Lends a Hand With $275 Million Program
Expedia Group has announced its commitment of $275 million USD to help partners rebound from the impact of COVID-19 and fuel industry-wide recovery efforts.
Expedia Group’s recovery program is comprised of global initiatives to support industry recovery and property-level relief designed to help independent partners and small chains rebuild their business, attract high-value guests, and optimize cash flow.
Below are some of the program highlights.
To Restore Partners:
– Expedia Group is committing $250 million in marketing credits and financial relief. For each property that participates in the program, the company will reinvest 25% of the compensation earned in 2019 from the property into marketing credits for use with Expedia Group.
– To better understand when demand will return to a market, Expedia Group is providing proprietary data to track trends through a new analytics tool called Market Insights. The dynamic dashboard provides trends on website traffic, stay dates, and demand source markets.
– To support chains and owner groups, Expedia Group released a streamlined version of its optimized distribution solution that allows lodging suppliers to more effectively manage the distribution of wholesale rates among third party travel providers.
To Restore Destinations:
– To re-ignite demand through market awareness, Expedia Group Media Solutions is opening a $25 million fund for destinations. This recovery plan focuses on destination-led and co-op campaigns, which bring together destination and supply partners with similar audiences to manage their advertising spend while maximizing their conversions.
– To keep travel top of mind, Expedia Group is rolling out a series of global brand campaigns. For example, an online campaign from Media Solutions called Where Next? helps customers discover new destinations.
To Restore the Industry:
– To help furloughed and displaced workers advance during this time, Expedia Group has created a complimentary training and education program called Expedia Group Academy. The program offers skill development through online learning modules and live content led by Expedia Group subject matter experts and travel industry leaders.
– To ensure customers can book with confidence, Expedia Group created a new feature for lodging partners to highlight the health and hygiene measures at their properties.
– To meet the needs of cautious customers and ensure booking flexibility, nearly 70% of lodging rate plans on Expedia Group sites are now refundable.
Comments & Discussion
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Price of cigarettes to go up on New Year’s Day due to EU rule
The price of a pack of 20 cigarettes in the Czech Republic will increase by CZK 3 or 4 from January 1. The change is due to an EU directive under which consumer tax on 1,000 cigarettes must reach EUR 90 (CZK 2430); the weak crown means that the Czech Republic would not fulfil this requirement and would face sanctions. Cigars and rolling tobacco will also go up in price from the New Year. Tax on cigarettes in the Czech Republic last went up in December 2014.


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Caught in the cross fire of trade tariffs aimed at US goods from specific regions of the USA that will most affect Republican states, the likes of Jack Daniels, Jim Beam and Harley-Davidson are the unintended victims of the aluminum and steel tariffs that have been imposed by the US on European commodities. The EU has reciprocated with tariffs of their own on targeted products that are most likely to cause a lot of “noise” – ie making European motorcyclists pay a lot more for a Harley, a sip of Tennessee whiskey or Kentucky bourbon, peanuts or orange juice.
The list goes on. Motorcycles have repeatedly come under tariff threats through the years often related to disputes that have nothing to do with motorcycles. The idea is that riders will complain to whoever is making the rules – or in this case case, workers in American factories will complain as they face the real possibility of dwindling markets. While we in Canada will not be directly affected by the tariffs, the possibility that the US will inflict tariffs on European motorcycles would be a bigger concern as many of those manufacturers have North American headquarters in the US. If these tariffs drag on it may nudge Harley-Davidson to move some production of the US built bikes offshore as to avoid the punishing tariffs. That wouldn’t be good either.


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Aug 28, 2020, 12:00 ET
ATLANTA, Aug. 28, 2020 /PRNewswire/ -- Parallel, formerly known nationally as Surterra Holdings, a company pioneering well-being through its proprietary cannabinoid brands, science and technology-led innovation, today announced that it will introduce new edible cannabis products to its customers in its 39 Florida Surterra Wellness stores. This expansion of Surterra Wellness' product offering follows the Florida Department of Health's (FDOH) finalizing recently released emergency rules to allow for the production and sale of edible products. Launch is dependent on regulatory approval of each of those products.
Surterra Wellness, widely known for its line of whole flower, vaporizers, tincture oils, topical patches, theragels and lotions, is Parallel's leading cannabis retail brand for patients and customers aiming to improve their well-being in both Florida and Texas.
"This is very significant, both for our consumers and our business. Florida's cannabis patients have been waiting for the arrival of edibles, not only for dosing convenience, but for the extended relief that comes with ingesting medical cannabis. Our teams are so excited to meet demand in our Surterra Wellness stores statewide as soon as our proposed products achieve FDOH approval," said Liz Conway, President, Florida, Parallel.
Surterra Wellness is ready to begin producing a variety of proprietary and delicious edible cannabis products and making them available in Florida's Surterra Wellness stores upon Florida Department of Health approval. Surterra Wellness' edible products will be offered in varying ratios of CBD to THC, and produced and labeled in strict compliance with Florida statutes and rules.
Parallel is one of the largest privately held, vertically integrated, multi-state cannabis companies in the world with a mission to pioneer well-being and improve the quality of life through cannabinoids. Parallel owns and operates retail dispensaries in four medical and adult-use markets: Surterra Wellness in Florida and Texas; New England Treatment Access (NETA) in Massachusetts, and The Apothecary Shoppe in Nevada. The Company has a diverse portfolio of high quality, proprietary and licensed consumer brands and products including Surterra Wellness, Coral Reefer, and Float. Parallel operates approximately 50 retail stores nationwide, including cultivation and manufacturing sites across the four states. The Company conducts advanced cannabis science through Molecular Infusions (Mi), a cannabis-based biopharmaceutical company, and conducts R&D for new product development in its facilities in Texas, Massachusetts, Florida, and Budapest, Hungary. Parallel follows rigorous operations and business practices to ensure the quality, safety, consistency and efficacy of its products and is building its business by following strong values and putting the well-being of its customers and employees first. Find more information at www.liveParallel.com, or on Instagram and LinkedIn.
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Last week we helped the team at Sony Mobile Ireland to launch the highly anticipated new Xperia XZ2 and Xperia XZ2 Compact devices in Ireland.
The shiny new smartphones were unveiled to the world just a few weeks back at Mobile World Congress in Barcelona, so the Sony team at Clearbox was very excited to get involved in organising the official Irish launch.
The Xperia XZ2 is jam-packed with the best of Sony technology, including the HD & 4K HDR display, Dynamic Vibration System and powerful stereo speakers. The device is designed to bring you ‘entertainment to the extreme’ by sitting at the epicentre of the Sony ecosystem, combining Sony TV, PlayStation, high-res audio and more in a single device.
We wanted to capture the essence of the new phone with an equally entertaining kick-ass launch event, which would introduce the handsets with an immersive entertainment demo session for key consumer and tech media, as well as a corporate client event in the evening.
The event took place in the intimate surroundings of the exclusive 9 Below, near St. Stephen’s Green in Dublin. We wanted to immerse guests in the world of Sony technology in an interactive way, so we designed a walk-through where each room in the venue highlighted a different element of the Sony ecosystem.
Both sessions began with an introduction by Ciaran Cleary, head of Sony Mobile Ireland. He invited guests to get hands-on with the new devices and explained the concept behind the new design.
Attendees could explore each room in turn, first experiencing the best in Sony visual technology, including TVs and the new Xperia XZ2 device. Another room was a dedicated Sony gaming paradise, with a PlayStation PlayLink demo and the Xperia XZ2 functioning as a controller. Finally, a cellar-stye room demonstrated the latest in Sony Audio with Hi-Res audio headphones and speakers. The new Xperia XZ2 device sat at the centre of each room, showing guests how the phone interacts with the entire Sony range.
What’s a launch event without nibbles though? To capture that Japanese Sony vibe, guests were offered a mix of sushi platters in the afternoon and charcuterie boards in the evening.
Guests also enjoyed complimentary drinks, including the limited edition ‘Sony Sunrise’ tall, fruity cocktail created exclusively for the launch. DJ Nialler9 kicked things up a notch in the evening with some funky house tunes while guests partied into the night.
The event brought together some key media figures from the Irish Sun, Irish Tech News, Tech Buzz Ireland, Elite Gamer and TheEffect.Net, among others, and secured some brilliant social coverage online using the #SonyXperiaXZ2 hashtag.
The launch was a great chance to introduce the XZ2 and XZ2 Compact to the Irish market, as well as showing everyone how the phone works alongside all things Sony to bring you 'entertainment to the extreme’.
We loved being part of such an exciting launch campaign and can’t wait to hear everyone’s thoughts when the device is released to market tomorrow (6th April).
For more info check out www.sonymobile.com/ie/


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In normal circumstances, if your bicycle helmet folds, it’s time to get a new one.
But that’s not the case with the Morpher helmet, created by Jeff Woolf, an inventor from Bushey. It folds flat (pictured above), making it far easier to carry.
“Twenty-five years ago, I had a really bad bike crash in West Hampstead, when I was hit by a car,” Mr Woolf said.
“I got thrown from my bike at high speed into a kerb. I broke my shoulder, I broke some ribs… But I was wearing a helmet, so my head was fine.”
Fast forward a few years and Mr Woolf was working with Serco, the company behind the London bike scheme.
“I realised no one was wearing a helmet — and I thought it was a bit nuts.”
He ran a survey which found that 92 per cent of bike scheme users did not wear a helmet — 82 per cent said it was because they were hard to carry around. So Mr Woolf decided to create something entirely new: a helmet to fit into a briefcase or handbag.
“I visited lots of industrial designers and everyone said it was impossible,” he said. “There were helmets on the market that attempted to fold, but they were complex, unwieldy lumps.”
But Mr Woolf, who received an OBE in 2000 for services to innovation and business, persisted. After five years perfecting the product and acquiring the necessary safety certifications, the Morpher is now on sale.
Mr Woolf is now speaking to organisers of cycle schemes in London, Tel Aviv, New York and Mexico City. “If I save a single life, it’s all worth it,” he said.


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The iPad promises to make your work life a little easier. Traveling salespeople, airline pilots and even construction workers don't have to carry around heavy binders anymore.
Tablets & eBook readers
Samsung's own advertising poses the question of whether the new Galaxy Note is a phone or tablet. And punlike portmanteaus like "phablet" aside, the question is surprisingly pertinent.
Retailers in the Chinese city of Shijiazhuang have had stocks of iPads seized due to an ongoing copyright dispute in the country.
There are reports of alleged pricing information being leaked for the upcoming Samsung Galaxy Tab 2. Assuming the information is accurate, Samsung has apparently not learned any lessons from its tablet experience thus far, or from the challenges and ...
Separate reports that have surfaced this week claim that the third-generation iPad will be 4G ready and launch on 7 March.
Apple will launch the iPad 3 - or iPad HD if you believe some reports - on Wednesday, March 7, according to the latest rumours.
Images of what is claimed to be the back cover of a third-generation iPad have been posted online.
The iPad 3 won't have a quad-core A6 processor as some have been predicting, it has been claimed.
The Phoenix Suns have deployed more than 100 Samsung Galaxy Tab 10.1 tablets over Verizon Wireless' 4G LTE network for use by the team's business personnel, players and managers in the current basketball season.
ASUS has today announced the Australian launch of its Eee Pad Transformer Prime Android tablet. The tablet is now available outright through major Australian retailers including Harvey Norman, JB Hi-Fi and The Good Guys.
It’s starting to seem like it wouldn’t be January without an Apple event, as the company announced on Wednesday morning that it will hold an education-related shindig in New York City next week.
A blogger claims to have used the third-generation iPad at the Consumer Electronics Show currently taking place in Las Vegas.
Windows 8 is designed to be at home on both traditional PCs and tablets. Lenovo is taking this to heart with a products designed to be both. The Lenovo IdeaPad Yoga (yes, that is both the development code name and the final product name) takes a 17mm...
Lenovo on Sunday announced the 10-inch IdeaTab K2 gaming and multimedia tablet, which has a quad-core ARM processor and a premium IPS display similar to the one found on Apple's iPad.
Google appears to be building its very own Android tablet, one designed to compete at the high end of slate spectrum.
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May 1st, 2022 12:00am
Born and Raised Hospitality, the restaurant group renowned for Phoenix restaurants Clever Koi, Across the Pond, and Fellow Osteria, has announced the grand opening of a new fast-casual noodle restaurant, Clever Ramen.
Clever Ramen opened its doors to diners this year to great success, according to a press release. The restaurant, which was designed by Aline Architecture Concepts, was opened with the idea of using raw materials that encapsulate warmth and life to the space.
The fast-casual restaurant features a menu of customized ramen noodle bowls, steamed bao buns, and seasoned fries.
Born and Raised Hospitality founders Joshua James and Nick Campisano’s wanted to simplify the traditional ramen restaurant and make it accessible to the casual diner, the press release stated.
Aline Architecture Concepts Principal Brian Laubenthal designed a space that utilizes modern technology while still giving the space a warm and natural feel.
The restaurant features a curved plywood ceiling and wall. It was created in collaboration with their millwork partner Lion Craft, using 3D parametric modeling software, which allowed the design the ceiling and walls in the abstract shape of ramen.
“We developed the curved plywood ceiling and wall using a parametric software that allows us to control the shapes,” Laubenthal said. “From the software we directly send the parameters to the CNC machine for accurate cuts and a fast turnaround.”
The parametric software ensured that the architecture firm designed Clever Ramen’s feature wall on budget and with little wasted materials.
“We really wanted to design a restaurant using modern technology and not lose the authenticity and character that makes our projects unique,” Laubenthal said. “I would say we succeeded in designing a restaurant with a unique charm.”
Campisano said that working with Aline was a great experience and found the passion of the architecture team contagious.
“Talented, idea driven, professional and one-of-a-kind are just a few words that come to mind when we sit at the round table with Brian, Heidi and their team,” Campisano said referring to other members of the Aline team. “They are the forefront of architecture and design and working with them has been truly inspiring.”
Laubenthal said he was not surprised but thrilled to see the early success of Born and Raised Hospitality’s new endeavor.
“We are excited that the new Clever Ramen is open and seeing our client’s success. We love supporting local restauranteurs that are passionate about their craft,” Laubenthal said. “It has been amazing to see the community enjoying the food and space and seeing the photos of the design posted on social media.”
Clever Ramen is open for lunch and dinner. For more info visit cleverramen.com.
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America’s most powerful female TV personality, Oprah Winfrey, is so impressed with Weight Watchers’ diet programme that she's bought shares in the company as part of a new business partnership.
Winfrey is making a substantial equity investment in the company and is joining the board of directors, bringing her insight to the company's future ideas and products.
"Weight Watchers has given me the tools to begin to make the lasting shift that I and so many of us who are struggling with weight have longed for," said Oprah Winfrey.
"I believe in the programme so much I decided to invest in the company and partner in its evolution."
As part of the investment, Winfrey will become a board member and adviser, get a 10 per cent stake in the company's newly issued shares, and will also become a fully fledged Weight Watchers member, attending weekly meetings and sharing her experiences along the way.
Weight Watchers chair Ray Debbane said: "Weight Watchers and Oprah Winfrey make a powerful combination, Oprah is a force of nature in connecting with people on a very personal level to live inspired lives.”
“This partnership will accelerate our transformation and will meaningfully expand our ability to impact many millions of people worldwide."


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Allegion PLC (ALLE) was Upgraded by CLSA to ” Buy”. Earlier the firm had a rating of “Outperform ” on the company shares. CLSA advised their investors in a research report released on Oct 17, 2016.
Many Wall Street Analysts have commented on Allegion PLC. Company shares were Downgraded by Imperial Capital on Aug 2, 2016 to ” In-line”, Firm has raised the Price Target to $ 79 from a previous price target of $71 .Allegion PLC was Downgraded by CLSA to ” Outperform” on Jul 25, 2016.
On the company’s financial health, Allegion PLC reported $0.99 EPS for the quarter, beating the analyst consensus estimate by $ 0.09 according to the earnings call on Jul 28, 2016. Analyst had a consensus of $0.90. The company had revenue of $584.90 million for the quarter, compared to analysts expectations of $574.08 million. The company’s revenue was up 12.6% compared to the same quarter last year. During the same quarter in the previous year, the company posted $0.71 EPS.
Allegion PLC opened for trading at $67.02 and hit $68.24 on the upside on Friday, eventually ending the session at $67.69, with a gain of 1.73% or 1.15 points. The heightened volatility saw the trading volume jump to 8,40,383 shares. Company has a market cap of $6,491 M.
In a different news, on Aug 2, 2016, Feng William Yu (Sr. Vice President) sold 21,535 shares at $72.80 per share price. According to the SEC, on Aug 1, 2016, Timothy P Eckersley (Sr. Vice President) sold 10,000 shares at $72.36 per share price. On Aug 1, 2016, Douglas P Ranck (V. President/Controller) sold 9,300 shares at $72.90 per share price, according to the Form-4 filing with the securities and exchange commission.
Allegion plc is a provider of security products and solutions. The Company offers a portfolio of mechanical and electronic security products across a range of brands. Its products include door closers and controls electronic security products exit devices time attendance and workforce productivity systems door and door frames (steel) electronic and biometric access control systems locks locksets and key systems video analytics systems and other accessories. The Company’s products also include an array of sealing systems such as sound control fire and smoke protection threshold applications lites door louvers intumescent products photo-luminescent and flood barrier for doors.It operates in three geographic segments: Americas; Europe Middle East India and Africa (EMEIA) and Asia Pacific. The Company’s brands include CISA FALCON Briton Schlage Bricard LCN Von Duprin STEELCRAFT NORMBAU and INAFER among others.


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Posh Summer Sale multi-brand shopping event to be held in Mumbai
The multi-brand business to customer shopping event Posh Summer Sale will bring an array of western wear brands to Mumbai from May 13 to 14.
The Posh Summer Sale will feature a range of brands in the mid-to-value section of the market. The free shopping event will have a focus on western wear and many participating brands will offer their products at discounted rates.
The two-day event will take place at the Indraprastha AC Hall in Mulund West, Mumbai and stall registration is still open. The event previously held a Posh Lifestyle and Fashion Exhibition in Mumbai on April 21 for spring fashion and the upcoming event will focus on summer and resort wear.
The event organisers Post Exhibitions also run the Divine Light fashion and lifestyle event which last took place in October 2018. The business also organised the Bliss Lifestyle and Fashion Exhibition which last took place in September 2018 and the Grand Exhibition by Post which last took place last August.
In recent years, the number of fashion events in India’s metros, especially Mumbai and Delhi, have increased significantly. As fashion e-commerce booms in the country, the “experience” element of offline shopping has become more important which has paved the way for many fashion shopping events.
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U.S. Postal Service seeks salvation in banking
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The U.S. Postal Service has a new idea to get its financial house in order: banking. A white paper released by the USPS Office of the Inspector General projects that offering debit cards and other financial services could generate almost $10 billion in annual revenue. That would be more than enough to cover the $5 billion loss suffered by the Postal Service in the latest fiscal year ended Sept. 30.
The Postal Service would not be going head-to-head with traditional banking powers. It would target its financial offerings to consumers outside the mainstream of the U.S. banking system — those without a bank account, or who use costly services such as payday loans and check-cashing exchanges just to make ends meet.
The Postal Service estimates the entire population of those under-served by traditional banking services is more than a quarter of all U.S. households, approximately 68 million adults. That represents a huge market which spent about $89 billion in 2012 just on interest and fees for alternative financial services. The white paper concludes the Postal Service could feasibly capture 10 percent of that spending by offering more affordable products than are currently available, bringing in $8.9 billion in new revenue per year.
Services that could be offered include small loans, credit services, debit and other prepaid cards, check cashing, bill payment and savings programs.
The USPS is taking inspiration from many international postal operations already offering financial services. Some foreign services have enjoyed great success, including Switzerland, where financial services earnings account for 71 percent of operating profits, and Italy, 67 percent of profits.
Tucker Echols covers general assignment and provides business coverage for WTOP.
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