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DAILY MORNING NOTE | 5 January 2024
Trade of the Day
(Current Price: S$0.188) – TECHNICAL SELL
Sell stop: S$0.186 Stop loss: S$0.192 (-3.23%)
Take profit 1: S$0.165 (+11.29%) Take profit 2: S$0.156 (+16.13%)
Analyst: Zane Aw
(Current Price: US$138.92) – TECHNICAL BUY
Buy price: US$138.92 Stop loss: US$136.40 (-1.81%)
Take profit 1: US$143.70 (+3.44%) Take profit 2: US$150.60 (+8.41%)
Singapore shares fell for the third consecutive day on Thursday (Jan 4), tracking a broader decline across the region. The stocks fell 0.8 per cent or 25.43 points to close at 3,174.01. CapitaLand Investment was the top STI decliner, slipping 2.3 per cent to S$3.00. The local banks also closed in the red, with UOB, DBS and OCBC falling between 0.5 and 0.6 per cent.
US stocks ended the day mixed on Thursday, as better-than-expected private sector jobs data fueled concerns that the financial markets may have been too enthusiastic about interest rate cuts. The US Federal Reserve recently signaled it expects as many as three rate cuts this year, as inflation continues to decline towards policymakers’ long-run two per cent target. But markets indicated that traders expected as many as six reductions over the same period, something that seems increasingly unlikely in the face of continued strong economic data.
Seatrium’s S$250 million wind farm contract cancelled. A wind farm contract awarded to was cancelled by Empire Offshore Wind, a joint venture between Norwegian state-owned energy company Equinor and oil giant BP. The offshore and marine engineering group was informed that the cancellation was a result of “significant macroeconomic conditions” impacting the Empire Wind 2 project, Seatrium said on Thursday (Jan 4). Seatrium will avail construction capacity set aside for this project to other projects in the pipeline
Electric cars from Smart – a tie-up between Mercedes-Benz and China auto giant Geely – will be available in Singapore from the first half of 2024, with Cycle & Carriage (C&C) Singapore appointed as the authorised distributor. C&C said on Thursday (Jan 4) that a new showroom for the brand is expected to open in the third quarter of 2024, on the third level of the Mercedes-Benz Center at 301 Alexandra Road. The company is planning road shows where consumers can view and test drive the cars before the completion of the showroom.
Nera Telecommunications (NeraTel) has entered into a strategic partnership with Taiwan-based cybersecurity leader uniXecure Corporation Ltd to provide cybersecurity solutions to small- and medium-sized enterprises (SMEs) in Southeast Asia (SEA). Under the two-year partnership, NeraTel will be uniXecure’s preferred partner in SEA offering solutions dedicated to SMEs, which have become prime targets of cyber crimes in recent years. According to NeraTel, SMEs were targeted due to cost limitations and the lack of in-depth cybersecurity expertise.
Xerox said on Wednesday (Jan 3) that it was cutting 15 per cent of its workforce as part of a restructuring, the company’s latest effort to shift focus to its business-services offerings and away from its iconic photocopiers. In a news release, the company said it would reduce its global staff, which included roughly 23,000 employees in 2022, and name a new leadership team. The layoffs are expected to take place in the first quarter of 2024. The company’s shares fell more than 12 per cent after the layoff news was announced. Its share price had been steadily rising over the past year, in part because Xerox had saved billions of US dollars after starting a cost-cutting programme in 2018. In recent years, Xerox has struggled to adjust to the digital age as demand for ink and print documents crumbled.
Mark Zuckerberg sold nearly half a billion US dollars of Meta Platforms shares in the final two months of 2023 after a two-year hiatus in which the company’s stock price hit its lowest in seven years.The Meta chief executive sold shares on every trading day between Nov 1 and the end of the year, unloading nearly 1.3 million shares for about US$428 million, according to a Tuesday (Jan 2) regulatory filing. On average, each sale took in US$10.4 million, with the largest on Dec 28 at US$17.1 million.
Amazon.com’s push into video advertising will boost annual revenue by as much as US$5 billion, mostly generated by new television-style commercials on Prime Video. Ads on Amazon’s streaming service will start appearing in North America on Jan 29 and internationally on Feb 5. To receive ad-free content, North American subscribers will have to pay an additional US$3 per month. Amazon’s advertising business – mostly search and display ads on its web store – generated US$12.1 billion in the quarter ended Sep 30, about 8.5 per cent of total revenue. The Seattle-based company sees Prime Video as an ideal spot to boost ad sales and profit from the billions it has spent on content, including movies and National Football League games. Advertising is Amazon’s smallest but fastest-growing revenue source.
BYTEDANCE’S TikTok aims to grow the size of its United States e-commerce business tenfold to as much as US$17.5 billion this year, posing a bigger threat to Amazon.com. TikTok’s ambitious target sets up a clash not just with Amazon but also fellow Chinese-owned outfits Temu and Shein, who have been making big strides among younger American shoppers. Unlike its two rival discounters, TikTok is counting on its social media reach and the appeal of viral videos to hook buyers.
Microsoft is adding a button to the Windows keyboard to activate its AI Copilot service, with the first devices to sport the new key available this month. The Copilot key, which will sit to the right of the space bar, is the first change to the Windows keyboard layout since Microsoft added the Windows/Start key in 1994, underscoring the company’s commitment to artificial intelligence. Microsoft’s hardware partners will show off Windows 11 computers with the Copilot button over the coming days at the CES technology conference and, over time, it will become a required feature. The shortcut will help users create images, write emails and summarise text with the help of AI.
Source: SGX Masnet, Bloomberg, Channel NewsAsia, Reuters, CNBC, WSJ, The Business Times, PSR
Recommendation: Not rated; Last close: S$0.072; Analyst Paul Chew
– Following the pandemic and coup in 2021, Yoma has undergone a major de-leveraging and rightsizing exercise. Net debt has shrunk from US$326mn in September 2021 to US$134mn in September 2023. The company disposed of investment properties, restructured Yoma Central debt, resized F & B operations, lowered manpower costs and generated operating cash flow.
– Real estate development has been the key performer for Yoma. Revenue has more than tripled in 1H24 to US$48mn. As of September 2023, there is a further US$65mn of unrecognized revenue. Buyers are seeking hard assets in an environment of rising inflation, negative real interest rates and a depreciating kyat currency.
– The macro environment in Myanmar has been extremely challenging. Myanmar’s GDP (in USD nominal terms) contracted 17.5% YoY in 2021 and 8.9% in 2022. Inflation is running at 20% p.a. and the kyat currency is officially down 60% since 2021. Yoma is responding to these challenges by de-gearing its balance sheet, disposing of non-core assets, localising costs and rebalancing its headcount. The share price is currently trading at a 71% discount to its book value of US$0.189.
Analysts: Phillip Research Team
· Half of the holdings in banks. Bank dividend yields are attractive at 5.7% with upside surprise in dividends due to excess capital ratios and push towards higher ROEs
· Implied value for Nikko AM STI ETF and SPDR Straits Times Index ETF at $3.69 and $3.73 respectively
· A chance to diversify holdings across Singapore’s leading companies and engage Singapore’s long-term growth potential through a single, cost-effective transaction.
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Technology developed at NovaUCD by BiancaMed, a division of the California company ResMed, is being used in a new wireless sleep-monitoring device that Omron Healthcare has just launched in the Japanese marketplace.
BiancaMed itself was originally established by Dr Philip de Chazal, Dr Conor Hanley and Prof Conor Heneghan to commercialise research undertaken in UCD’s School of Electrical, Electronic and Communications Engineering.
Last July the company was acquired by ResMed, the San Diego-headquartered developer of systems to diagnose, treat and manage sleep-disordered breathing such as sleep apnoea and snoring.
All three co-founders are still with the ResMed BiancaMed division at NovaUCD.
Omron Healthcare, a partner of BiancaMed, has just launched a new wireless sleep monitoring device, which uses BiancaMed technology to offer wireless, non-contact sleep monitoring in Japan. The device also connects to healthcare support services in Japan.
The device’s non-contact sensing technology apparently measures sleep throughout the night and can report sleep-quality metrics.
“Insufficient sleep in itself may be an indicator of another underlying problem, sleep-disordered breathing, which is known to cause and negatively impact heart disease, diabetes, stroke and, more recently, cancer,” said Hanley, the managing director of ResMed BiancaMed division at NovaUCD.
BiancaMed employs 35 people at its NovaUCD base.

domain: news


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Starting Sunday, shopping for a new spring wardrobe will be twice as nice.
New York state is poised to raise its sales tax exemption for clothing and footwear to $110 per item. Any piece of clothing or pair of shoes costing less than $110 will be exempt from the state’s 4 percent sales tax.
For the past year, the state sales tax exemption applied only to clothing and pairs of shoes costing less than $55 per item. That amount will be doubled starting Sunday.[dmc-related-post-wp numitems=”3″ title=”Also read”]
The state’s year-round 4 percent clothing and footwear sales tax exemption was first made permanent on March 1, 2000. Since then, the exemption has been repealed and reinstated on several occasions.
While shoppers will be free from the onerous 4 percent tax, those making their purchases in Nassau and Suffolk counties will still be forced to pay the 4.625 percent local portion of the sales tax – the highest local sales tax percentages in the state.
New York City joins nine other counties statewide in eliminating both a state and local tax on clothing and pairs of shoes under $110 per item.
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Wednesday, 7 July 2010
PUNIT TO RELEASE NEW SINGLE ONLINE
Genge heavyweights P unit are back with a brand new single. The trio Frasha, Bon Eye and Gabu, who brought you hits such as Si Lazima and Kushoto Kulia have released a new single titled Karee.
This time they have featured female singer Mimmo ,famed for her hit song Bestfriend with rapper Collo. The single which is produced by legendary producer Musyoka is off their album Wagenge Hao which hits online stores this Friday.
The album is mostly produced by Musyoka and features other artists such as Christine Apondi, Chidi Benz, Collo, Nonini and Mimmo.
Be on the look out for the video for Karee


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According to the report by Forrester Research, only 25% of consumers would be interested in purchasing a tablet running Windows. In contrast, Forrester’s market research said that in Q1 2011 46% of consumers would be interested in a hypothetical Windows tablet.
“For tablets, though, Windows really isn’t a fast follower. Rather it’s (at best) a fifth-mover after iPad, Android tablets like the Samsung Galaxy Tab, HP’s now-defunct webOS tablet, and the BlackBerry PlayBook tablet,” said the authors of the report, JP Gownder and Sarah Rotman Epps.
Forrester’s conclusion is that while Windows 8 will do well in the desktop world, Microsoft is simply making too late an entry into tablet culture.
“While Windows’ product strategists can learn from these products, other players have come a long way in executing and refining their products — Apple, Samsung, and others have already launched second-generation products and will likely be into their third generation by the time Windows 8 launches,” Mr. Gownder and Ms. Rotman Epps said.
Hewlett Packard is expected to unveil their Windows 8 tablet at January’s Consumer Electronics Show.


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Wow! At least it made for a dramatic reunion episode of RHOA!
Shortly after turning herself in, Porsha was released on a $2K bond.
[Image via Fulton County Police.]
Are you ready for some vegan football?!
Does that mean the football is made of pleather instead of real leather or something??
Nope! It means that vegan football fans will have some tasty options at the Super Bowl this year!!
A Seattle-based company, Field Roast Grain Meat, is going to have a pop up stand at MetLife Stadium and they'll be serving
Well, it looks like being vegans isn’t for them, but pescatarian wouldn’t be the worst thing!
Well, the challenge ended with little pomp and circumstance, which is kind of disappointing. Maybe they didn’t feel any benefits or something, so they didn’t want to make a big deal out of it.
And needless to say, the couple was back to eating meat in no time! Actually it’s been lots of
If you're a pizza-loving vegan planning a trip to Israel sometime in the near future, then we have some exciting news for you!
Domino's totally has your back!!
That's right! You can now order a
It's the big 4-4 for Jay Z, which means it's time to get healthier than ever!
And, he and his Bey-utifiul wife Beyonce are going HARD!
In an attempt to get healthier and ring in the new year with a cleansed system, Jay & Bey have decided to undergo a 22-day challenge where they'll go vegan! Yep, that's right!
In a passionate blog post, Jay wrote about their desire to make the big change, revealing:
But how do they do Thanksgiving??
How can you eat turkey if you're vegan?
Can vegans have stuffing? Cranberry sauce?? Soft rolls with butter???!!!
Ellen, talking about being vegan on Thanksgiving, said:
In a recent interview with ABCNews.com, the boxer talked about his diet, exercise routine, animal products and Evander Holyfield's ear.
Here are the HIGHlights:


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LOUISVILLE, Ky. — Are you ready to head back to your favorite restaurant? Kentucky Governor Andy Beshear announced Thursday that restaurants would be able to reopen on May 22. The decision was unexpected but has been a pleasant surprise for restaurant owners in the state.
On May 22, restaurants will be able to open with a limited indoor seating capacity of 33%, plus unlimited outdoor seating with the right spacing.
Right on Harrods Creek, customers have continued to pick up their favorite dinner orders from Cunninghams. Owner Brent George thought he'd have at least a few more weeks to plan for a bigger reopening - until he heard Beshear's announcement Thursday evening.
Restaurants like Cunninghams who have more outdoor seating options will have the upper hand during the phased reopening.
"We'll try to take full advantage of that and maybe make up for some of our lost capacity inside the restaurant by seating people outside," Brent George said.
Stacy Roof, with the Kentucky Restaurant Association, says that the outdoor options, especially during this time of year, could slowly put back trust into the community.
"It's perfect patio weather. And I think that it'll be a good way to get people back and get them comfortable and confident in what restaurants can do," Roof said.
Beshear said the opening date will allow restaurants to be open for Memorial Day weekend, but he still urged everyone to be careful.
Brent George said he expects a limited number of customers as Cunninghams reopens its dining areas, but the numbers are not easy to figure out at this point.
"It's not like you have one seating per night it's a situation where those tables are constantly turning over," George said.
Cunninghams currently has a small staff handling lunch and dinner carry-outs, but because of the small number of customers allowed inside with the governor's plan, George may have to hold back on bringing his full staff of waiters and bartenders back. It's a tough decision to make because they are the people most impacted by the 33% capacity limit.
Roof said for even smaller restaurants, that 33% is a tough number, but there's a bright side to the earlier date. She said it gives them options to reevaluate and reopen at their own pace.


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- The share of U.S. consumers with an active buy now, pay later account reached 22% in January, up from 18% in October 2022 and 14% in July 2021, according to a J.D. Power report released Thursday.
- Nearly one-third (29%) of survey respondents said they became interested in a buy now, pay later service after it was offered as a payment option at checkout.
- Less than one-fifth of respondents said they heard about the service from family and friend recommendations (16%) and social media (14%), according to the survey.
Polling was done as part of J.D. Power’s annual U.S. Retail Banking Satisfaction Study, the latest iteration of which will be released this month. Between 1,550 and 1,650 consumers were polled on BNPL at three different points in the past year, said John Cabell, J.D. Power’s managing director for payments intelligence.
The J.D. Power report noted that card issuers and BNPL companies are in fierce competition at the checkout. Card issuers have jumped to give cardholders options that look more like BNPL as that trend has ballooned. That might include offering customers the option to convert their card balances to fixed, monthly payments, albeit for a fee, or giving them a lower, fixed annual percentage rate.
But if card-based installment payment plans aren’t at the forefront of consumers’ minds as they’re transacting, cardholders are more likely to try options from BNPL-specific providers, J.D. Power said.
For their part, BNPL companies are aware of the importance of having a presence at checkout. Though Affirm may no longer have BNPL exclusivity with Amazon, that BNPL provider is angling for more business from the e-commerce behemoth by maintaining a competitive position, Affirm’s CFO has said.
While the J.D. Power report sheds light on how consumers learn about installment payment services, the Consumer Financial Protection Bureau’s recent research offers a look at the impact these programs have on consumers’ finances. According to the CFPB’s report released earlier this month, only 17% of consumers with a credit record had also used a buy now, pay later loan in the year before they were surveyed.
Consumers earning between $20,001 and $50,000 and women, Black and Latino consumers were more likely to use installment payment services, according to CFPB research.
As the use of buy now, pay later options has increased among consumers in recent years, the installment payment providers are now trying to establish steadier financial footing following a high-growth period.
During the fourth quarter of 2022, Minneapolis-based Sezzle generated $600,000 in net income, up from a $25.9 million net loss in Q4 2021. And although the company reduced its North American employee headcount by 20%, it still reported a net loss of $38.1 million last year.
Meanwhile, San Francisco-based Affirm ended its services in Australia, which meant the company would only operate in the U.S. and Canada.
Klarna said its gross merchandise volume in the U.S. surged 71% last year over 2021, meaning its U.S. business overtook the former top market of Germany. In its shareholder letter, the BNPL provider said its fiscal year 2022 revenue rose 21% year-over-year, but the company reduced its workforce in May and September last year.
Editor's note: This story has been updated to include details around the survey methodology from J.D. Power.


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Don't-Miss Mobile Stories
When lots of people gather for concerts or sports events, cellular carriers often bring their networks to the scene with cell towers mounted on trucks, or COWs (cells on wheels). Not to be outdone, Comcast is joining the fray using Wi-Fi.
The U.S. Federal Communications Commission has voted to open nearly 11 gigahertz of high-band spectrum to new wireless uses, paving the way for 5G mobile service and for an explosive growth of the Internet of Things.
Apple is co-producing a TV show about app design and development, and you might be able to play a starring role.
Emojis have become an important and essential communication tool for hundreds of millions of people, so naturally, now there's a movie coming.
T-Mobile's Uncarrier 11 promo fails to deliver and the company says high demand for the app is the problem.
There's a good chance your tastebuds would tell you when you're drinking stale beer, but now science has come to the rescue to spare them that pain.
A new report claims that Apple is planning to "terminate" iTunes Store downloads in favor of Apple Music streaming.
The Wi-Fi analysis features that developers can utilize in the Universal Windows Platform are still pretty limited. But these Windows 10 apps are inexpensive and/or free.
So-called gigabit Wi-Fi, or 802.11ac, is slowly starting to show up in homes, buildings and public hotspots, but it’s not delivering a gigabit to smartphones, according to an analysis by research company OpenSignal.
Television stations have volunteered to sell off 126MHz of 'beach front' wireless spectrum to mobile carriers in an ongoing U.S. Federal Communications Commission auction, potentially bringing higher speeds and more reliable networks to customers.
Rick Osterloh will oversee Nexus devices, Chromebooks, OnHub, and Google's ATAP division, as well as Google Glass.
USB-C may not only lead a revolution in PC design, it may also change our smartphones and tablets forever.
A Chinese regulator is said to have ordered Apple to shut down its iBooks Store and iTunes Movies only six months after the services were launched in the country.
A U.S. FCC auction that began late Tuesday should end with some TV channels reassigned to cellular, helping mobile networks cover more ground and cut through walls better than they do now.
The new SoundCloud Go is reminiscent of what Spotify and Tidal offer, though the company's music offerings are vastly limited in comparison.


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Coder Nikolaus Gebhardt is encouraging app developers to stop creating apps for Windows 10, but why? Here's what you need to know.
Google Play store is growing stronger in its dominance over Apple's App Store in terms of downloads, according to App Annie's new 2015 retrospective report. But, as VentureBeat pointed out, the App Store is taking in significantly more revenue than Google Play. In both cases, the leads widened in 2015.
It's an ambitious development studio with a growing collection of apps in areas like productivity and education, but if only it could improve its odds of being discovered in the App Store. That may sound like the dilemma of most studios, but of course it's a different story when the apps in question were designed by Apple itself.
What started as a plaintive cry from a lone iOS developer has quickly been picked up by his peers on social media, asking for Apple to make an important change to the way it works with them.
Apple's App Store finally got hacked. The iPhone maker said it is taking steps to clean up the App Store after several cyber security firms reported finding a malicious program called XcodeGhost that was embedded in hundreds of legitimate applications, according to Reuters. The hackers used the Xcode tool that iOS developer use and modified it to place the malware code into apps in the first large-scale attack on the App Store.
The worst thing about our flat screen TV is when, in the middle of watching one of our favorite shows, the system announces there's a software update and wonders whether we'd like to apply it right now. This is the kind of disconnect Apple needs to avoid with the new Apple TV it is reported to be working on and which may, according to various sources, come out as early as this fall.
While it's akin to winning the lottery, developers do have some tips on how to get featured. They include thinking of Apple as a developer's customer, not just a distribution service, and treating their contacts at Apple the way a Hollywood agent might treat their actor clients. Special report.
Despite the growing horde of apps crowding the App Store, getting featured might still be something developers want to keep in mind as they work on their next mobile game.
Even though it might take a while for them to fully figure out what happened, iOS developers are starting to realize that Apple has changed the algorithm for its App Store rankings, and they may need to adjust their marketing strategies accordingly.
Forget the battle of the bands: A looming fight between streaming music provider Spotify and Apple's recently-launched Apple Music service has stirred up considerable curiosity among developers over an attempt to do an end-run around the App Store.


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The campaign was announced by Microsoft Mobile Devices, inviting youths across the country to capture the essence of India. It aims at chronicling iconic landmarks and popular spots across the country through selfies and showcasing these to the world.
Nargis will post selfies from popular hangout spots and iconic sites and challenge her fans to post better selfies on Facebook and Twitter. Participants can, in turn, nominate and challenge their own friends to join 'Romancing India with Lumia 535'.
At the end of the campaign, the five selfies with the most shares on Facebook and/or re-tweets on Twitter stand a chance to win a new Lumia 535 and a goodie bag of accessories each. The best 100 selfies will be converted into a photo album on the Microsoft Lumia India Facebook page. Participants can post their selfies on Facebook and/or Twitter with the hashtags#RomanceUrCity#Lumia535. These selfies can be shot with any smartphone camera.


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Huawei Consumer Business Group announced the first half of 2018. According to research company IDC, Chinese manufacturer may take second place among the suppliers of smartphones in the world with a global market share of 15.8% for the current year.
The company shipped 95 million units of smartphones during the six months of the current year. Of these, 9 million line of devices Huawei P20 and 10 million Huawei Mate 10. Sales of smart hours increased by 147%, and the implementation of smartphones Huawei nova increased by 60%.
The rating of the smartphone market for the second quarter of 2018: Huawei in second place
Huawei actively opens flagship stores and centres: now there are more than 56 thousand around the world. Until the end of 2018, the Corporation plans to create another 10 thousand shops and 700 multi-functional centers.
Huawei is the only Chinese company that has managed to get into the list of the most important brands according to Forbes in 2018. In the ranking of this journal manufacturer took 79th place. The company also ranked 25th in the ranking of most valuable brands Brand Financial Global 500 2018.


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There’s nothing like a row over holiday dates to cause a bad atmosphere at work – although one stylist at hairdresser Toni & Guy may have taken her dissatisfaction a step too far.
So it’s a year today to the start of the Olympics… and not a day too soon for businesses to start planning for the impact it will have on their day-to-day operations.
I’m planning ahead for a significant birthday next year and am delighted to see we’ll be having an extra bank holiday at just the right time.
Another day, another social media scandal. But it’s not just celebrities tripping themselves up on Twitter or falling foul of Facebook.


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Tesla has outperformed analyst expectations by not only posting strong delivery numbers but also demonstrating continued improvements in the profitability of each car it delivered.
The electric-car maker Wednesday reported third-quarter revenue of $8.77 billion, up 45% from $6 billion in the second quarter and exceeding analyst expectations of $8.36 billion. Profits more than doubled to $331 million from $104 million in the second quarter.
Adjusted profits, which exclude certain expenses, were 77¢ per share, compared with the 57¢ that analysts had expected.
Tesla shares rose nearly 2% on the news in after-hours trading to around $430, up from a close of $422.
In addition to increasing sales on a sequential and year-over-year basis, Tesla said that its inventory levels continue to decline, indicating faster deliveries. CEO Elon Musk has emphasized the importance of lower inventory levels for Tesla’s profitability, and the latest quarterly profits partly reflect success on that front.
Tesla said automotive gross margins in the third quarter were 27.7%, up from 25.4% in the previous quarter and 22.8% in the third quarter of 2019. That metric is a key measure of an automaker’s sustainable profitability, and it shows that Tesla has made steady progress in bringing down production costs per car.
The latest quarter’s production numbers also mean it’s plausible Tesla could hit a prior goal of producing (as opposed to delivering) 500,000 vehicles in 2020. That goal was set before the production problems and demand uncertainty triggered by the coronavirus, but Tesla declined to revise it downward despite changing circumstances. Tesla would have to produce 170,000 vehicles in the fourth quarter to hit the number, or 17% more than it built in the third quarter.
More must-read tech coverage from Fortune:
- What Silicon Valley needs from the 2020 election
- Behind real estate’s surprise 2020 boom and what comes next
- Google says it isn’t a dangerous monopoly. Here are its 4 key arguments
- What could change at Google if the Department of Justice gets its way
- Teledentistry is filling a cavity left by the pandemic, but some caution it can’t replace in-person visits


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Plans for the redevelopment of Birmingham New Street station have been sent back to the drawing board over cost fears.
Ministers have told the team behind the £550m Gateway scheme, designed by John McAslan + Partners, to come up with cheaper proposals.
A meeting was to be held yesterday, after Building went to press, at which it was expected that ministers would be presented with some options.
Last week the New Street station team was awarded £128m by the Department for Transport (DfT) but was warned that two further grants totalling £223m might not be forthcoming. The DfT said the £128m could be used to fund a “standalone” scheme.
It is understood the DfT is unwilling to pay for the regeneration aspect of the Gateway scheme, including the revamp of a shopping centre.


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These new Lexus pictures highlight a brand on the move, as Toyota’s luxury division continues to distinguish itself from both its parent company and the competition. But as hard as it may be to imagine, the Lexus brand’s success wasn’t a sure thing when it was launched in the United States in 1989. At that point, Lexus was a bit late to the party as the third lux entry from the mainstream Japanese automakers, behind Honda’s Acura and Nissan’s Infiniti.
Well, that’s the way it looked to outsiders anyway. The truth of the matter was that the first Lexus, the LS, was the fruit of a top-secret Toyota design program that dated back to 1983 and had spent the intervening years carefully honing all facets of its all-new flagship sedan. The latest iteration of the LS is, of course, one of the stars of our new Lexus pictures and remains one of the most satisfying luxury vehicles sold in America.
Yet perhaps the clearest evidence of the Lexus success story is that it’s also sold in Japan: Lexus (along with Acura and Infiniti) originally were U.S.-only brands designed to cater to the supposedly unique requirements of this country’s drivers. But Lexus reset the premium paradigm once again, and its lineup was so popular that Toyota now has expanded its reach not only back to Japan, but to major auto markets around the world.
And now Lexus is aiming to become the same kind of lifestyle marque as Porsche or Ferrari, thanks to the opening of INTERSECT BY LEXUS, a “luxury brand experience space” located in Tokyo that will no doubt inform what you see in future new Lexus pictures.


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Google Pixel and Pixel XL get official LineageOS 16 nightlies
LineageOS is the biggest and the most popular custom ROM to have graced the Android development community. The ROM builds up on the Cyanogenmod legacy and boasts of about 1.8 Million active installs as of 2018. The latest big update to LineageOS came in the form of LineageOS 16, which was a code rebase to Android Pie, bringing in features like the new Recents menu, gesture controls, Adaptive Battery, Digital Wellbeing and more, across all supported devices. You can read more about LineageOS 16 in our hands-on review.
LineageOS 16 started off with support for 24 devices, covering some of the more popular devices like the Xiaomi POCO F1 and the OnePlus 5/5T, OnePlus 3/3T, and others from Sony, Samsung, Huawei and Honor. The development team also then added in support for the Xiaomi Mi 8. Now, LineageOS has added in official nightly support for LineageOS 16 for the Google Pixel and Google Pixel XL.
This means that, moving forward, both the devices will now receive automated builds for Android Pie on a nightly basis. Check back on the above links later on in the day for fresh new builds.


text: Analysts say that the experience of shopping at Whole Foods might change in the near future now that the retailer is being bought by Amazon. Stephen Hilger/Bloomberg/Getty Images hide caption toggle caption Stephen Hilger/Bloomberg/Getty Images The Salt After The Amazon Deal: What Will Shopping At Whole Foods Feel Like? June 17, 2017 Analysts say Amazon's acquisition of Whole Foods could hasten the growth of online grocery shopping. So, where does this leave brick-and-mortar stores? The store of the future may look very different.


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The ASX-listed AMP, parent of AMP Capital, plans to inject A$800m (€510.6m) into its AMP Diversified Property Fund (ADPF) to thwart a merger proposal from an unlisted Dexus fund.
IPE Real Assets understands that the capital would be used to purchase two retail assets, currently held in ADPF. AMP also would take an equity stake in ADPF.
The fund co-owns a number of retail assets with other AMP funds, notably its shopping centre fund. These include super-regional malls such as the Pacific Fair Shopping Centre on Queensland’s Gold Coast and Westfield malls in Perth and Macquarie Centre in Sydney.
A source said the capital injection would help resolve a liquidity issue facing the fund as a result of redemption requests totalling more than A$2bn.
The latest AMP move is aimed at countering a merger proposal from the Dexus Diversified Property Fund (DWPF). ADPF’s independent board this week recommended the proposal to its unitholders.
AMP is in the middle of working out a joint venture agreement with US-based Ares Management, which is acquiring a 60% stake in AMP’s private markets business, including its real estate business.
AMP Capital, which announced its alternative proposal to ADPF yesterday, said AMP had kept Ares informed of the proposal to ADPF.
To read the digital edition of the latest IPE Real Assets magazine click here.


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A widespread rumour that the Samsung Galaxy S9 fingerprint scanner would be built into the display has been thrown into question, all thanks to a fresh leak online.
If you’ve seen the Samsung Galaxy S8 or Samsung Galaxy Note 8, you’ll have noticed that most of the handsets’ fronts are occupied by screen. This new “Infinity Display” design has been hugely popular, and was made possible by removing the fingerprint scanner from the front of the phone – and sticking it on the back instead.
But there’s been no shortage of complaints about the fingerprint scanner being stuck to the back of the phone, much to Samsung’s chagrin. That’s why we’ve not been surprised to hear frequent rumours that Samsung is working on a way to embed an optical fingerprint scanner below the display, allowing the Infinity Display to be retained and bringing the sensor back to the front of the phone to boot.
Unfortunately, prominent and oft-reliable tech tipster Ice Universe has tweeted that this won’t be the case at all. In a post to Twitter, the renowned leaker wrote: “100% sure, Galaxy S9 no screen fingerprint recognition.”
If it’s true, that’s a bit of a shame as rumour-spinners have been foretelling of optical scanners debuting on 2018’s roster of top-tier smartphones for months now. However, Samsung may be looking at alternative solutions instead.
For instance, Apple was forced to completely scrap the Touch ID fingerprint scanner on the new all-screen-front iPhone X. In its stead, user authentication will be handled by a Face ID facial recognition system that scans your mug to grant entry into the device. Given the intense rivalry between the two firms, it’s entirely possible that Samsung is considering adopting a similar technology on future Galaxy smartphones – including the rumoured, but unconfirmed, Galaxy S9.
Related: iPhone 9 release date
What would you like to see from the Samsung Galaxy S9? Let us know via Facebook or tweet us @TrustedReviews.


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U.S. stocks edged lower Wednesday after Federal Reserve Chairman Jerome Powell acknowledged that the central bank’s rate-raising campaign could cause an economic downturn.
Investors have been watching closely for signs of how the Fed will proceed in its campaign to bring down high inflation by raising interest rates. Central-bank officials last week agreed to raise their benchmark interest rate by 0.75 percentage point, their largest increase since 1994. The S&P 500 notched its worst week since March 2020.
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By Andru McCracken, Editor
Our province and country looked into the gaping maw of COVID-19 and, without flinching, made the right choices to keep people safe. Tragically, others needed to learn the cruel lesson from the virus first. China, Italy, France and Spain to name a few. For whatever reason, our exposure to the virus was later than others and we were able to learn from these terrible experiences.
The virus, and the rules to control the virus, touch every aspect of our lives.
These rules, these interventions, will have massive implications.
Some of the people worst off are entrepreneurs who have hitherto dedicated their lives to serving others. Many service sector entrepreneurs have had their livelihoods ripped from them: they are incurring huge debt and massive uncertainty and the world that they will reopen to – should they survive – will be one ravaged by a once-in-a-lifetime plague.
While we are gaining the upper hand against the virus, the toll has been and will be huge.
We have taken the high road – there was no other road to travel – but that doesn’t make where we are less bad for the people suffering. Government appears to be trying to catch all-comers with their compensation programs, but it’s worth noting that entrepreneurs aren’t the type to seek out those programs.
They may not be particularly well adapted to looking for help or writing applications. Many entrepreneurs do what they do because of who they are: independent to a fault.
And our valleys have a surprising number of entrepreneurs.
If you know of entrepreneurs suffering, advise them, encourage them, badger them to ensure they participate in these programs.
Everything has been turned on its head. Some are worried about a new and sinister order of things. In many respects, I can’t blame them. So much has changed so quickly.
Here’s a quick recap.
The health of our most fragile members of society is being valued more than the economy. Government ordered a shutdown of anything that could imperil lives, regardless of its service to the almighty dollar.
Not something I thought I would see in my lifetime.
Then they announce sweeping aid packages to ensure that as many as people as possible do not fall into the hands of debtors. We have often heard of big business bailouts, but this is the first I’ve seen of bailouts for the little guy.
This is the Canada I dreamed about but doubted existed. That we cared more for people than for profit, that when people face overwhelming odds we try and give them a hand up and make every effort to ensure they succeed.
Is it possible we have rediscovered who we are? A people who value life. A people who care. A place where human health comes first and profits are second.
The rules on being Canadian have been rewritten, at least during a pandemic.
For those entrepreneurs that don’t make it through this, I believe it’s a real loss to us all.
For those entrepreneurs who do manage to shepherd their restaurant, their salon, their suite to the other side, I sure hope we have a quick recovery. I hope we can learn again to go out and enjoy ourselves and the hospitality local entrepreneurs have always offered. Imagine going out to the salon, then meeting friends for drinks and food at your favourite local restaurant, sitting side by side raising a glass to togetherness.
That day will come and gosh I hope our favourite salons and restaurants are still here.


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The Need to Feed: Growing Edibles To Alleviate Food Poverty
05th September 2018
An estimated three million children were at risk of being hungry during the school holidays in the UK this summer, and food bank usage is reportedly hitting record highs. Surely, as a nation of gardeners and edible growers we can do something to help?
The nationwide initiative sees the gardening brand connect with the charity’s projects near UK towns and cities to support people at risk of food poverty and social isolation. With the long-term aim to alleviate the nation’s food poverty crisis, the brand-charity partnership hopes to kick-start a trend for green-fingered Brits to use their hobby for a wider social purpose by donating their surplus crops.
Local allotments and community gardens across the UK have been armed with supplies of Miracle-Gro results-driven plant food. The all-purpose range promises 50 per cent extra tomatoes and 10 times the fruit weight of courgettes compared to unfed, resulting in additional fresh produce. These harvests will then be put to good use to create delicious, nutritious meals for those experiencing hunger and loneliness, as part of FoodCycle’s regular supper clubs that span the country.
So far, growers taking part in the project across the country have harvested tomatoes, onions, courgettes, carrots and much more. The fresh produce from the local growers will help ensure the FoodCycle meals continue to be delicious and nutritious, supporting those in need. Since 2009, FoodCycle has served over 250,000 meals, and relies on donations of harvests to continue helping the hungry.
Despite 86 per cent of the UK population having access to their own green space, over a quarter (26 per cent) use their outdoor space for eating, entertaining and sunbathing only. The project urges these people to try their hand at growing fruit and vegetables. Combined with those who already grow, the volume of extra yield produced and made available for projects like FoodCycle could be huge.
Whether you have a large allotment, kitchen garden, or just a small green space it’s worth considering what edibles you can grow and donate to a good cause, helping to have an impact on local communities and make steps towards alleviating the UK’s food poverty crisis.
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Sometimes Nike hits us with a completely unexpected retro release, and it’s quite refreshing in today’s predictable landscape of early looks and being in-the-know. The Air Flight Lite Mid, which is celebrating its own 30th Anniversary in 2022, recently dropped in the OG white colorway some weeks ago, and older heads have been impressed by its adherence to the original design and attractive $120 pricepoint. And before Nike inevitably gets over-the-top with modern colorways, it appears that another OG colorway is headed our way soon.
That would be the Team Orange/Imperial Blue colorway, a standout from Nike’s finesse/speed/aerial inspired Flight line (in opposition of the Force series) that was noted for the multi-colored interior lining. It was that specific year that Nike Basketball experimented with color-blocking, a bold direction exemplified by the likes of the Air Raid and Air Jordan 8.
This solid retro release is currently scheduled to hit US retailers on November 15th for $120, but if you’re not the patient kind, Offspring in the UK has them available now. See the shopping links below.
Where to Buy
Make sure to follow @kicksfinder for live tweets during the release date.
Release Date: Nov 15th, 2021 (Monday)
Color: Black/Black/Team Orange/Imperial Blue/University Gold
Style Code: DQ7687-001
North AmericaNov 15th, 2021 (Monday)
EuropeNov 1st, 2021 (Monday)
The post The Nike Air Flight Lite Mid Expected In Original “Imperial Blue” Colorway
appeared first on Sneaker News.
The post The Nike Air Flight Lite Mid Expected In Original “Imperial Blue” Colorway appeared first on Sneaker News.


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Sarah’s Herbs will bring a touch of Mother Nature to 1400 Newark Road by carrying products on its shelves with ingredients that come from the natural world.
State Rep. Rick Carfagna is moving forward with his legislation to increase broadband service throughout the district and the state, and on June 1 sent a co-sponsor request to fellow representatives.
For a youngster, what could be better than spending a carefree summer day at the park or pool with friends? The answer is, getting a free, nutritious lunch while you are there.
Knox County Sheriff David Shaffer said he is considering doing mental health evaluations for inmates in-house that are currently done by a contracted employee.
Saturday’s Farmers’ Market welcomed vendors with sunny skies and warm temperatures offering goods such as honey, maple syrup, flowers, organic meat products, local cheeses, peanut brittle and countless vegetables.


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Software AG Acquires Metismo To Improve Mobile Device Management of AppsJune 2, 2011 No Comments
Software AG, a provider of Business Process Excellence, recently revealed that the company has acquired the U.K.-based Metismo, which offers a highly flexible and multi-functional platform for the development and mobile device management of apps.
The emergence of new mobile internet technologies and devices is rapidly transforming enterprise computing,” said Matt Green, vice president of Product Management at Software AG, responsible for group mobile strategy, in a statement.
“The Metismo technology solves the complex issue of cross-platform mobile access to the enterprise, providing our customers and partners with a solution and launch-pad for mobile productivity,” Green added.
Mobile device management is gaining significance as the transformation to the Digital Enterprise will be a major challenge within the next decade. Companies need to be able to manage mobile devices, while ensuring full security. However, through real-time business information, management and control from anywhere in the world, customers will be able to gain a huge competitive advantage.APPLICATION INTEGRATION, DATA and ANALYTICS , MOBILE, News


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Not growing sales from an expanded online presence? Returns creeping up? Can’t find your own parts through search tools? Then it’s time to look at your product data!
SEMA relies on individuals from every industry segment to step forward and bring their own vision and initiative.
Ken Steele’s Solar Shade Truck & Car Paradise remains steadfastly brick-and-mortar in a day when online retailers are increasingly pressuring such business models.
Yahoo introduced a new app called Account Key that completely eliminates the need for an ID and password to access e-mail.
From the influence of Internet sales to the integration of new materials and advanced manufacturing processes, the tire and wheel industries remain in flux.
At its core, content marketing focuses on creative content that goes beyond the traditional sales messages commonly used by marketers.
SEMA News recently spoke with Nicky Fowler, vice president of fixed operations for Scoggin-Dickey Parts Center, about the parts store and the the company’s business philosophy.
Twenty-one SEMA-member companies recently traveled to Shanghai, China, to examine new opportunities presented by the growing base of consumers interested in vehicle customization.
A silent auction was held for the rest of the Pinewood cars. Proceeds benefit the SEMA Cares children’s charities.
Here is a look at some of the new products from SEMA-member companies featured in the December 2015 issue of SEMA News.


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The Apple App Store, which started with a limited pool of 500 applications, counted around 1.64 million mobile apps available exclusively to iOS users as of the third quarter of 2022. The platform is in continuous expansion, with an average of 31,500 apps released per month in February 2023. Gaming apps accounted for 12.68 percent of all the mobile iOS apps hosted in the Store, while business apps accounted for 10.35 percent of all active apps on the platform during the third quarter of 2022. As of the third quarter of 2022, iOS apps had a retention rate of 13.7 percent after three days from the first download, which tended to decrease to 4.3 percent after 30 days.
Content removalIn January 2023, Apple agreed to publishers’ requests for more transparency and to provide more information on why some apps are removed from the app store distribution system. During the second half of 2021, approximately 97 percent of all removed mobile iOS apps were removed from the Apple App Store in China. In this period, 302 apps were removed from the platform due to legal violations, while only seven apps were removed from the Apple App store due to platform violations. Overall, 1.7 million mobile apps submitted for review to the Apple App Store were rejected in 2022, with 400 thousand of these being rejected due to privacy concerns.
Apple and app publishers: what changed?As of March 2023, approximately 94 percent of mobile iOS apps on the Apple App Store were free to download, meaning they operated on ads-based or freemium monetization models for which the 30 percent Apple App Store fee is still required. Standard publishers’ fees to monetize on the Apple App Store have been set at 30 percent commissions for all in-app purchases, subscriptions, or paid downloads, with free hosting for all apps since Steve Jobs’ initial introduction of the platform.
As of 2022, the Apple App Store presented several reduced commission rate plans for developers that meet certain criteria. Apps that retain subscribers see their commission fees reduced to 15 percent after the subscriber’s first year, while developers participating in Apple's Small Business Program – introduced in November 2020 - enjoy the same commission fees for both subscriptions and other in-app payments, while apps in the News Partner Program – introduced in August 2021 – see their commission fees cut down to 15 percent for subscriptions.
While app and mobile gaming publishers have been complaining about platform commissions, lack of direct interaction with users, and the impossibility to redirect users toward third-party payment systems, the 2020 Epic Games v. Apple dispute represented the incident igniting both institutional and public discussion over the app store commissions. In August 2020, Epic Games began promoting the option of using third-party payment systems for in-app sales on its popular game Fortnite. This resulted in Apple and Google removing Fortnite from their app stores and Epic Games hitting both tech giants with antitrust lawsuits. In September 2021 the Epic Games v. Apple ruling sided with Apple stating that the company was not acting as a monopolist, but it also kick-started a series of legal propositions from app developers in their domestic market and abroad to change the Apple App Store dynamics and allow third-party payments. In the European Union, following the complaints of several high-profile app publishers from Spotify to Match Group, have seen Apple being hit with fines and anti-trust charges for its alleged “anti-steering” practices.
How to best optimize iOS apps in a privacy-focused environmentWith the introduction of the App Tracking Transparency (ATT) system in April 2021, iOS users were given the possibility to decide whether they wanted to opt out of personalized ads, adding another building block to Apple’s privacy shield. While the system was designed to increase users’ control over their personal data, data still represents one of the main assets for advertisers to get to know their perspective customers and target. As of July 2022, 37 percent of app data linked to users collected by iOS apps were used by app publishers for product personalization, while 23 percent and 18 percent went to developers’ advertising and third-party advertising, respectively. While free apps were more likely to collect privacy data from global users, approximately 11 percent of paid iOS app publishers reported collecting privacy data from their users as of March 2023.
For mobile app publishers, appearing among the first results in the Apple App Store search results represents a possibility to attract marketers. As of June 2022, the median number of daily downloads needed for apps rank in the top 10 apps in the U.S. Apple App Store was 52,000, while games required 26,000 daily downloads. More frequent updates, which optimize the apps and keep security standards updated, might also play a role in the titles’ positioning after a user propped search. The average number of days since the last released update for the apps ranking in the first 10 positions in the Apple App Store was 83 days, with shopping apps presenting a more frequent update interval of 45 days.


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August 7, 2012 |
Penn State's iconic no-frills football uniforms -- once a symbol of discipline, unity and team over individualism -- will undergo major changes for the upcoming season. For the first time, player names will be displayed on the backs of the jerseys and the uniform will feature a blue ribbon, the symbol for child abuse awareness. Months ago, new Coach Bill O'Brien said the school's uniforms wouldn't change from the design favored by Joe Paterno for much of his 46 years as head coach.
July 31, 2012 |
NAPA, Calif. — There was a time when Matt Leinart thought he'd wind up with the Oakland Raiders, but he never dreamed he would take the kind of roundabout path he has taken to get here. The former USC star and Heisman Trophy winner is backing up Carson Palmer with the Raiders — a flashback to their days with the Trojans — and Leinart, once widely projected to make a splash in the pros and possibly be a draft pick of the Raiders, is now grateful to be on a roster. "I don't listen to the people who say I'm a bust," said Leinart, 29, the 10th overall pick by Arizona in 2006 who was released by Houston after two seasons.
July 30, 2012 |
Forget the medal count. In the first competition of the 2012 London Olympics -- the global runway show known as the opening ceremony's parade of nations -- it looks like Team Switzerland did it right. Over the weekend, a couple of All the Rage readers were anything but neutral about their feelings for that country's gray-and-red ensembles. After bashing Team Canada's uniforms (described here ), a reader from Montreal posted a comment Friday evening declaring: "For two weeks I am purely Swiss.
July 26, 2012 |
DALIAN, China - If Horatio Alger had spoken Mandarin he would have loved the rags-to-riches tale of garment maker Li Guilian. A farmer's daughter who got her start stitching aprons in the countryside, she has built a $300-million company that's listed on the Shanghai Stock Exchange. Now 66, Li employs 10,000 workers sewing fine clothing for some of the world's most famous brands and powerful people. Chinese President Hu Jintao and fellow Politburo members are loyal customers of her firm, Dayang Trands.
CALIFORNIA | LOCAL
July 22, 2012 |
SAN DIEGO - Led by a Marine sergeant wearing her dress blue uniform and bearing the American flag aloft, several hundred members of the military marched in the city's LGBT Pride parade Saturday, marking the first time the Department of Defense has permitted personnel to wear their uniforms in a gay festival parade. A crowd estimated at 200,000 whistled, waved, cheered and applauded as the service members walked the parade route through the city's largely gay neighborhood of Hillcrest, ending at the western extension of Balboa Park.
CALIFORNIA | LOCAL
July 19, 2012 |
SAN DIEGO - Gay military personnel can wear their uniforms in San Diego's LGBT Pride Festival and parade, the Pentagon said Thursday. An announcement from the office of the deputy assistant secretary of Defense said that wearing their uniforms is permitted "provided service members participate in their personal capacity and ensure the adherence to military service standards of appearance and wear of the military uniform. " The decision marks the first time that gay personnel will be allowed to wear their uniforms in a gay parade.
July 19, 2012 |
There is much to fret over these days. DirecTV has dumped Nickelodeon. Katie has dumped Tom. Ann Curry is out. Jeff Daniels, with almost no anchor experience, is suddenly in. Despite all our best efforts, the world remains a shifty place. There was this sentence in the paper the other day ... our paper, a great paper still, because it contains this level of journalistic detail: "[Judge] Revel had previously overseen the criminal cases of Wu-Tang Clan rapperOl' Dirty Bastardand Bone Thugs-N-Harmony's Flesh-N-Bone....
July 17, 2012
Re "Ralph Lauren to make 2014 Olympic uniforms in U.S.," Business, July 14 You can't blame Ralph Lauren or any of its competitors for having their garments made in China. It's the U.S. government that needs to step up and offer attractive incentives to American designers and businesses to produce their products domestically. Otherwise, "Made in the USA" labels will become extinct. Gregory Diamond Los Angeles Americans have every right to be outraged by the disclosure that Team USA's uniforms for the 2012 Olympic Games are made in China.
July 17, 2012 |
Starting next month, Virgin America 's in-flight crew members will sport a new look. The airline, which turns 5 on Aug. 8, plans to roll out new uniforms designed by Banana Republic, with creative input gleaned from a design competition and suggestions from flight crew members too. The buzzwords designers use in describing the wardrobe change: "utility chic. " (Here's a photo gallery of the new look.) The new uniforms are combinations of red, white and black.
July 16, 2012 |
Virgin America's pilots and flight attendants are going to look a lot more stylish in midair. The airline partnered with Banana Republic to design new uniforms for its 2,000 in-flight and airport crew members that will debut Aug. 8. The uniforms -- which look like pieces that might be worn by a chic world traveler with a penchant for the colors red, black and white -- include apparel for both men and women. Both Banana Republic and Virgin Atlantic will sell clothing items inspired by the new uniforms starting Aug. (for security reasons, the pieces available for sale won't be exact replicas)


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A lot of Bitcoin ATM machines are being installed all over the world. This year all along and in relation to the same period last year, the installation of Bitcoin ATM devices has doubled.
A new report from Coinatmradar suggests that a new trend has attracted entrepreneurs to start installing Bitcoin ATM machines in prime location all around the world. This has been creating new opportunities while it has brought a lot of new people to the industry.
Currently, there are 119 bitcoin ATM machines running in the U.S. making it over 300 Bitcoin ATM devices scattered around the globe. But with the rising trend, by next year, the number may well be in the thousands. Promoters claim earning potential for machines providing the new bitcoin service is actually quite high.
With Bitcoin ATMs, people are able to easily deal with Bitcoin alongside traditional money as an easy way of buying and selling bitcoin while generating additional revenue for the owners.
Transaction fees for buying and selling at bitcoin ATMs are about 6 percent. In addition, ATM operators can sell bitcoins at a higher price than they paid for them, which is the main attractive that is leading entrepreneurs to invest in such devices.
While some online entrepreneurs, favor bitcoins because it is not regulated by governments or banks, other small business owners see the currency’s limits. Supporters claim using bitcoins is effective for selling virtual goods like software or premium content. This is because it may cut down on the cost incurred from selling in foreign markets. To make matters worse, bitcoins are also highly volatile as a currency.
Still, ATM devices installed in prime locations have generated revenue of hundreds and hundreds of dollars. This has allowed fortunate ATM operators to pay off the cost of their machines in a blink of an eye. Currently, the expected ROI for ATM machines is said to be around three to nine months.
If you are a bitcoin entrepreneur looking for low cash investments, Bitcoin ATM devices might be your best option!


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Posted Sun Apr 24, 2016 at 10:37 AM PDT by Connor Sears
Geralt stops to smell the flowers.
The second expansion to 'The Witcher 3: Wild Hunt,' titled 'Blood and Wine,' is on the way, and developer CD Projekt RED has said that more information on the DLC is coming in May. Until then, though, the studio was kind enough to release a new collection of screenshots to give fans a preview of the new region of Toussaint.
The screenshots are positively pleasant, with Geralt cavorting with noble ladies, attending a dinner party and wandering through verdant landscapes. The developer suggests that this new region is lovely by design, though players will find that nothing is as it seems on the surface.
"Toussaint, the new realm we're creating for the expansion, is unlike anything you've seen in 'Wild Hunt'—carefree and colorful," said Marcin Momot, community coordinator at CD Projekt RED, in a release, "but your gut never stops telling you that there's some real dark stuff happening underneath all that."
You can check out the 'Witcher 3: Blood and Wine' expansion screenshots below.
Source: CD Projekt RED
The latest news on all things 4K Ultra HD, blu-ray and Gear.


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There’s big changes’ coming for the video game featuring everyone’s favorite hockey mask wearing killer. Sadly before you get excited, sorry, there’s no new content coming out for “Friday the 13th: The Game”, see this previous article for details.
Illfonic, the indie game developer that was partnered with Gun Media will be handing over the reins to Tokyo based indie game developer, Black Tower Studios. Black Tower Studios was formed in 2012 and have two RPG games under their belt with “Archangel” and “Magus“. The development team is made up of veterans of the gaming industry.
Over the past year, Illfonic and Black Tower Studios have been working together leading up to the gradual transition. Both sides worked on creating the Pinehurst and Jarvis House maps/levels. Black Tower Studios main focus, once they are settled in, will be fixing bugs and glitches in the game along with other projects to help improve the player experience as well as maintenance of servers.


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Pharma major Wockhardt Ltd Saturday reported widening of its consolidated net loss at Rs 23 crore for the second quarter ended September 30.
The company, which plans to raise up to Rs 1,800 crore through private placement of non-convertible debentures, had reported a consolidated net loss of Rs 3 crore in the same quarter of the previous fiscal, Wockhardt said in regulatory filings.
Sales during the quarter under review stood at Rs 1,125 crore. It was at Rs 1,022 crore in the year-ago period, it added.
The company said its total expenses during the quarter were higher at Rs 1,163.56 crore as against Rs 1,104.76 crore in the corresponding period last fiscal.
The board of directors in its meeting held on Saturday approved raising of funds through issuance of non-convertible debentures or bonds on private placement basis up to an aggregate amount not exceeding Rs 1,800 crore.
Wockhardt further said its board has also approved issuance of non-convertible non-cumulative redeemable preference shares of face value of Rs 5 aggregating up to Rs 500 crore on preferential basis to members of the promoter group, for which shareholder nod would be taken through postal ballot.
It, however, did not specify where the funds would be utilised.
The business performance of the company during the second quarter showed marked improvement driven by growth in US and emerging markets, Wockhardt Ltd said.
“Costs of on-going remedial measures, however, continued to impact profitability,” it added.
India business stood at Rs 455 crore in the quarter as against Rs 452 crore in same period last year. It contributed 40 per cent of the global revenue, it said.
The company said its US business grew by 18 per cent in rupee terms mainly on account of new products launches and increased market share of some of its products. The US business contributed 17 per cent of global revenue.
On the other hand, emerging market business contributed about Rs 144 crore, around 13 per cent of global revenue. The segment witnessed strong growth of 68 per cent in the second quarter, it said.


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As 2018 starts, Ford Motor Co (NYSE:F)’s mobility firm is making the move to grow delivery of mobility services and products to customers and enhance shareholder value. As stated at the 2018 CES show, the company’s mobility plan is to offer a broad suite of services and products that improve different layers of the transportation system, infrastructure, connectivity, digital services and vehicles, to reduce the transportation drag on towns and help people move freely in the City of Tomorrow.
Marcy Klevorn, the President of Ford Mobility, expressed that they consider transportation done right as part of a systems plan can bring life back to their cities. By accelerating their delivery of mobility services via the changes they are making today, they are allowing that revival, enhancing their competitiveness and growing long-term value for company’s shareholders. This year, Ford anticipates to launch and accelerate businesses in the areas of transportation operating system, connectivity, ride sharing, non-emergency medical transportation and vehicle management as a service.
Ford Motor’s open, cloud-based platform named the Transportation Mobility Cloud will be expanded beyond company to comprise other automakers, suppliers, cities and partners; a developer network to support and build the system also will be introduced. This system that manages basic transactions and information flow between a variety of elements in the transportation ecosystem.
Preparing to offer digital services to personal, city and fleet clients, Ford’s mobility team will offer on the firm’s commitment of 100% connectivity of new vehicles in the U.S. by 2019 and push toward its objective of 90% connectivity internationally by 2020.
Ford’s acquisition of Autonomic will boost the company’s mission to advance the Transportation Mobility Cloud offering and support its plans to advance other major mobility initiatives, such as the move toward full connectivity. The company also will gain from the Autonomic team’s features in incubating and creating new mobility businesses, and associations that will further enhance Ford’s access to major technology talent.


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A number of other equities analysts also recently weighed in on QSR. Royal Bank of Canada boosted their target price on Restaurant Brands International to C$97.00 and gave the stock an outperform rating in a research note on Monday, October 23rd. CSFB upgraded Restaurant Brands International from a neutral rating to an outperform rating in a research note on Thursday, September 7th. One analyst has rated the stock with a hold rating and six have issued a buy rating to the stock. Restaurant Brands International presently has an average rating of Buy and an average target price of C$81.25.
Restaurant Brands International (TSE QSR) opened at C$78.03 on Tuesday. Restaurant Brands International has a 12 month low of C$62.75 and a 12 month high of C$88.36.
The business also recently declared a quarterly dividend, which will be paid on Wednesday, January 3rd. Investors of record on Friday, December 15th will be issued a $0.262 dividend. This represents a $1.05 dividend on an annualized basis and a dividend yield of 1.34%. The ex-dividend date of this dividend is Thursday, December 14th. This is a boost from Restaurant Brands International’s previous quarterly dividend of $0.20. Restaurant Brands International’s payout ratio is 78.72%.
In other Restaurant Brands International news, insider José E. Cil sold 20,449 shares of the business’s stock in a transaction on Thursday, November 16th. The shares were sold at an average price of C$65.00, for a total transaction of C$1,329,185.00. Also, insider José E. Cil sold 23,732 shares of the business’s stock in a transaction on Monday, September 25th. The shares were sold at an average price of C$64.00, for a total transaction of C$1,518,848.00. Insiders sold a total of 303,101 shares of company stock worth $19,528,386 in the last ninety days.
ILLEGAL ACTIVITY WARNING: This piece was reported by TrueBlueTribune and is owned by of TrueBlueTribune. If you are reading this piece on another publication, it was stolen and republished in violation of US & international trademark & copyright laws. The correct version of this piece can be viewed at https://www.truebluetribune.com/2017/12/15/restaurant-brands-international-qsr-earns-outperform-rating-from-evercore.html.
Restaurant Brands International Company Profile
Restaurant Brands International Inc is a quick service restaurant (QSR) company. The Company had over 20,000 restaurants in more than 100 countries and the United States territories, as of December 31, 2016. It operates through two segments: Tim Hortons (TH) and Burger King (BK). Tim Hortons restaurants are quick service restaurants with a menu that includes blend coffee, tea, espresso-based hot and cold specialty drinks, baked goods, including donuts, Timbits, bagels, muffins, cookies and pastries, grilled paninis, classic sandwiches, wraps and soups, among others.
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In-store experience lab launched to combat online retail surge
A new customer experience ‘lab’ has opened to help retailers boost the quality of their in-store experience as they fight to ward off the threat of online retail.
Digital signage and softwear provider AOPEN and retail design firm Red Design Group have partnered to launch the ‘Retail Evolution Lab’ — a space established to “empower retail businesses to design, test and trial new retail technologies in a ‘real’ in-store environment”.
The Melbourne-based lab allows retailers to test custom-store environments; technology such as digital signage, touch devices and facial recognition; and elements of storefronts, signage and price labels to determine consumer engagement.
“With global online retail brands like ASOS and Amazon now part of a shopaholic’s everyday conversation alongside local favorites, there’s no disputing that customers are demanding convenient and engaging ways to shop both online and offline,” says Stephen Borg, global strategy director for AOPEN.
Latest industry statistics reveal online retail sales rose to an estimated $13 billion in the year to January 2013 — growth of 27% year on year — to account for 5.8% of total retails sales (excluding food).
Total retail sales by comparion, grew by only 3% year on year according to the ABS.
In-store experience, an area where many Australian retailers are criticised for their lacklustre performence, is billed as one of the keys to keeping bricks-and-mortar retailers relevant and competitive.


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They discussed how the ImpactWayv platform brings together businesses, NGOs and individuals with the sole purpose of engendering social good. This is something no other social media company currently does.
ImpactWayv’s founders discuss the company’s impact-driven approach to social media
Business Insider Africa recently sat down with members of the management team at ImpactWayv — Dan Rubino (Co-Founder, Chairman and CEO), George Dolatly (Co-Founder and President) and Karen Talamelli Cusick (Executive Vice President) — to discuss the company’s pioneering role as an impact-driven social media company.
Enjoy the conversation.
BI Africa: It’s nice to talk to you all. Kindly tell us what ImpactWayv is all about.
Dan Rubino: We started ImpactWayv a few years ago because we saw a major deficiency as well as an opportunity within the social media space. We wanted to utilise social media to do what other social media platforms are not doing. And that’s basically uniting people, not-for-profit organisations (NGOs) as well as businesses. We wanted to create that ecosystem in pursuit of social good because up until now it hasn’t been done properly. And we think that based upon what we have, with that underlying theme, uniting those segments of the world, we think that we have something very powerful. We had hoped that a lot of the social media platforms could have gotten better over the years. But from our perspective, we actually think they have gotten worse by creating a little bit more distrust and disinformation. And we just wanted to create something new, vibrant and based on social impact.
And the key thing here is that we were specifically targeting NGOs and even governments as well as businesses, throughout the world, so that they can have a platform to demonstrate what their social good efforts are, what their businesses are and how their businesses sort of interrelate with their social good efforts and how they communicate those social good efforts to consumers and stakeholders. For me, it’s invigorating. And it’s invigorating for most of our team members too. But in a nutshell, that’s what we are all about. We are similar to other social media platforms, except that the underlying thesis is social good.
BI Africa: How would you classify yourself - an NGO or for-profit?
George Dolatly: We are a for-profit corporation, but we are focused on social good. We are the first social media platform to be focused on social good. As Dan said, we were created in response to numerous trends in society, the main one being the lack of a centralised platform for individuals, not-for-profits and businesses to interact on the basis of what’s most meaningful to them and topics that are most important to the world today. Our individual users interact in much the same way they would interact on other social media platforms. But the interactions are healthier and more meaningful. People can talk about what matters most to them, and explore and express their values. For not-for-profits, we are a platform for them to be easily found, express their mission and interact with individuals and businesses that are interested in that mission. And then finally for businesses, we provide a centralised venue for them to demonstrate what they are doing for social good -- a platform for them to express where they stand on issues and what they are doing to make the world a better place.
BI Africa: Tell us more about some of the specific services you offer and how much they cost, if there are price tags to them.
Dan Rubino: In terms of services, the overall service is connectivity. It’s sort of a plugin platform for businesses, NGOs and individuals. They log on just as you would log on to other social media sites. You would post, search and interact with all of the constituents on the platform. That’s the bottom line of the services that we have; making sure that there is connectivity. We’re based in the U.S., but it’s worldwide connectivity, including the continent of Africa and Nigeria. That’s very important. We also have a significant presence in South America and Asia. But because of the nature of the platform and because it is global in nature and we have access to all languages, everybody who participates has the ability to communicate with everyone else on the platform. So, there is that cross-sectionality from individuals to businesses to NGOs to governments where they will all be in a position to interact with each other -- an all-encompassing and all-inclusive experience. It’s basically a new way of communication among all those constituents.
In terms of what it costs, for individuals and most NGOs, there is no fee. So, they will just come on and post and influence without any limitation. As it relates to businesses, it’s a little bit different in that it’s a function of advertising in relation to content creation and content posting. For now, we haven't charged anyone yet because we are still building out the platform. But as time goes on, there may be some aspects of a subscription fee for businesses.
But that service in particular, in terms of allowing these entities to demonstrate who they are from a social good perspective to all of their stakeholders, is very important. And the cost to them is insignificant in terms of the services that we provide. And that’s basically where we are at this point in time. It’s a real value-added service to any organisation that comes on the platform. And of course, individuals can access the platform for free on a 24/7 basis.
Karen Talamelli Cusick: And if I may add to that, I think that makes us particularly unique because as Dan and George have said, on our platform you could do anything that you can on other platforms. But that focus on business has been lacking. And that’s what the founders identified years ago. Right now, meeting ESG and other sustainability goals has been recognised as the way to mitigate risk and ensure your survival as a company. The focus has turned away from ESG and CSR being viewed as mere compliance, but rather as risk mitigation as a new way of making money. And what ImpactWayv does is take away the clutter to provide an easier way to assess a business right in the palm of your hand. Consumers want to know that companies are sharing their values. To this effect, every company needs to know that all their stakeholders are being as compliant as they are as that could affect their ESG score. Again, our platform takes away the clutter and makes it easier for you to look up a business and see its ESG score compared to its competitors. That’s what I’m particularly proud of. I think that’s a need that we are meeting because it’s currently lacking.
BI Africa: This is really a very novel idea. Could you tell us more about how you came about the idea for the company?
Dan Rubino: That’s such a core question and I don’t think we’ve ever been asked that during any of the very many interviews we’ve had. And the three of us are going to speak to that because it’s part of our life now. It has been part of our life for the past three years. For me in particular, I’ve been in business (finance) and at the same time, I’ve been part of the philanthropic NGO world for the past thirty years. And I realised a number of years ago that that segment of society (i.e., NGOs) really comprises a significant portion of the world’s population. At the same time, we said ‘okay, as such a dominant aspect of our economy, where are they and have they actually benefited from technology? Have they actually moved all of their efforts and all of their work on social good into the 21st century?’ And the answer was emphatically no. Which is unfortunate. Failing to fully employ technology leaves so much untapped potential for exposure, engagement and connectivity. We wanted to put that all together to solve that problem for the entire philanthropic NGO sector. So, that was nearly three years ago. Since then, we’ve gone through the thinking stage, the planning stage, the business planning stage and then we went into the tech stage where we’ve developed the platform. We launched a little while ago on Apple. About 60 days ago, we also launched on the Google Play store for Android users.
George Dolatly: With this international access to our platform, we have empowered individuals like never before to participate in social good activities. We’ve really democratised social good. Individuals can interact with each other on a direct basis on a platform that doesn’t have the distractions of other social media platforms. They can also interact with non-profits and businesses.
Two of the trends that we perceived that led us to start ImpactWayv were one, the unprecedented interest by individuals around the world in social good; and two, the growing realisation by businesses and their constituents that businesses are responsible for using their influence and their resources to help make the world a better place. They are not just in service of their financial stakeholders, but of the entire international community. And businesses do realise that -- because of their visibility around the world and also because it ultimately hits the bottom line. Every day, people are making purchasing decisions, decisions about where to work and what businesses to be associated with, on the basis of where businesses stand with respect to the important issues of the day. Businesses have a need to make themselves understood in that regard. And now with ImpactWayv, individuals have an easier way to find out where businesses stand on these important issues in order to decide whether to buy from them, work for them or otherwise interact with them.
Karen Talamelli Cusick: Everyone needs a little bit more discoverability. NGOs need more discoverability and we offer that. You could interact with them while staying on our platform. And the businesses need that as well. They need to be connected with these nonprofits. I have been to some global conferences on ESG, and these heads of countries and companies are saying, we’ve got the “environment,” we've got the “governance,” but how do we do the “social”? And society is really where your constituents are. And on our site, you could actually sort through and get to those organisations. It’s great connectivity between the businesses and the NGOs. And it’s what the users want.
When we started two and half years ago, we had the luxury of hindsight. For other social media companies, they are so big that they can’t dial back some of the things they know have gotten out of control. But with our ability of hindsight, we are able to address issues like mental health which other social media platforms are really struggling with. We created a new metric. Instead of ‘likes’, we have ‘impacts’. And I think that that has helped us out immensely in meeting the needs and combatting some of the unintended consequences of social media companies getting so big.
Dan Rubino: Just to follow up on one point that Karen just mentioned in terms of discoverability, the ability to discover what others are doing (governments, NGOs, businesses and individuals) in the social good sphere, is of paramount importance to the success of the entire sector. And I can’t underscore that enough because that’s been lacking. And we are pulling all of that into the future by overlaying this social impact technology platform. I will give you one example. One of our partners is Bristol Myers Squibb Foundation. I have been working with this foundation for over thirty years. And the team there has done a lot of work in and around the continent of Africa. When you look at the foundation and all the work that they are doing in Africa and you ask a group ‘Does Bristol Myers Squibb Foundation do anything in Africa?’ People wouldn’t necessarily know. Now, all of a sudden you have this kind of social platform with key discoverability and engagement features on it, specifically with respect to things the business of Bristol Myers Squibb Foundation as well as great things the business of Bristol Myers Squibb Foundation is doing on the continent of Africa. But that’s just one company. When you look at other companies worldwide, and specifically the companies that operate in Africa, you will realise that there are millions of them that do things, both good and bad, that will be able to engage and interact with to be more informed on every level.
BI Africa: Let’s talk a bit about competition. As you know, the social media aspect of your company might be facing some stiff competition from all the other established social media companies. How are you able to stand out and differentiate yourself from them?
Karen Talamelli Cusick: I think the fact that we have created a niche for the brand is helping a lot in this regard. We stand out because there is no other social media company that is currently as focused on social impact and purpose as we are. There is space for everyone. And we eliminate a lot of the clutter. We may have the features of everyone else, but we are solely focused on the purpose and social impact that people are looking for.
Dan Rubino: I agree completely with Karen. Certainly, there are some “competitors” and more well-established social media platforms. But what they don’t have is the thematic concept of a social good concept. And when you go through that, you get access to tens of millions of businesses and millions of NGOs and the ability to bring them all together on a platform so they can demonstrate who they are. And the other platforms don’t have that. They are not in a position where they can transform themselves into what we have because it’s totally inconsistent with their business models.
So going back to the question of whether we have the ability to compete? The answer is absolute yes, as long as you have the right thesis and you are opening up to social good, businesses, NGOs and individuals. We think that combination is what the world needs. It’s not something we are just doing out of excitement. This is what the world needs. When people wonder whether it’s possible to improve social media, we say we are offering a higher level of social media with more meaning.
George Dolatly: Absolutely. What we are trying to do is bring social media to its highest and best use, without all the negativity that is found on other platforms. We focus on what people are most concerned about while trying to find real solutions to some of the challenges facing the world today. At the same time, it’s a 24/7 platform. People can interact in lighter ways. They can post interesting pictures and videos of themselves and their friends, or of whatever captures their interest, and have a lot of fun interacting with each other. Similar to other social media platforms, they can show off or be competitive as to what they’re doing for their favourite causes, or speak their piece as to where they stand on certain issues. But still, it’s a different tone. The overall principle of social good brings out the best in people and it focuses people on positivity and finding real solutions to real problems.
Karen Talamelli Cusick: I think it’s rather hope-filled. And we’ve heard that from so many users. One influencer told us the platform is somewhat like Instagram and LinkedIn, but it has purpose and meaning. It made her feel like she had a brain. People are able to share messages about what they could do about the things that matter to them; be it climate action, gun control, food insecurity, mental health, etc. You could actually look at our platform and go to bed hopeful for a better tomorrow.
BI Africa: Undertaking a project of this scale must have required a lot of finances to push it through. Have you been able to raise any money and do you have plans to raise some money in the future?
Dan Rubino: Over the past two and a half years, we’ve had and we’ve continued to have dedicated and loyal individuals who really believe in our mission. Our team is a small team. But it’s also the best team you can ask for because they are so committed and devoted to the course. So, we’ve been able to leverage all of that talent, including the tech talent that comes with it. We are in a position where we’ve raised some money. And in the next year and a half, we are going to be closing additional financing rounds. The bottom line is that we needed to build what we set out to build and that is this fantastic social media platform through an app which you can access through Apple and Google Play. And now we are ready to take it to the next level to become the disruptive force in social media generally. And we expect to raise more money in the future, there is no doubt about that.
BI Africa: Lastly, do you have a physical office in any African country at the moment?
Dan Rubino: We do not have physical offices outside of New York and Connecticut. And that’s because up until now, we didn’t necessarily need any physical offices. But like I mentioned earlier, the company is worldwide and we do have a significant presence in the United States, South America, India and hopefully more presence in Africa; in Nigeria particularly. But we certainly do plan on building out the business in Africa. And I do think that Nigeria in particular will be one of the hubs.


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PLATTSBURGH - NewsChannel 5 has partnered once again with the Marine Corps League and the Salvation Army for its tenth annual "Toys for Kids" campaign. This year's campaign is sponsored by Citizen's Bank and Della Auto Group.
Now through Christmas Eve, viewers are invited to drop off a new, unwrapped toy at the station's locations in Colchester and Plattsburgh during regular business hours Monday through Friday. Alternatively, toys may be placed in one of the many red toy collection barrels located at businesses and organizations all across the region.
NewsChannel 5 Chief Meteorologist Tom Messner is again spokesperson for the campaign.
"This has been a really tough year for a lot of our friends and neighbors," said Messner, "and we're asking people to give extra generously to make sure every child has something to smile about on Christmas morning. It means so much to the kids and their parents." A list of barrel locations for those who would like to donate toys can be found on the station's website, wptz.com. Application information for people who need toy/gift assistance is also available on the site.


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The company's headquarters are in Brentwood, Maryland.
The company's highly-profitable services division grew 24%.
It hid the material's use from the fire test report, official certification bodies and even the company's sales staff.
MacKenzie Bezos' role in Amazon dates back to the company's origins.
It consists of the company's total assets after you subtract the company's liabilities.
The worker, who was not immediately named, was the first death from the virus among the company's workforce.
The company's stock value skyrocketed as much as 18%, with revenue growth surpassing analyst estimates at 31%.
As China's biggest search engine, the company's sales have been driven by advertising for the last two decades.
Check your insurance company's website for more information on your company's reimbursement plans.
He joined the company's product design team in 2001, per the release, and oversaw the development of the iPhone 12 line.
Afridi's leadership team developed a three-year strategy to seize new opportunities through the company's omnichannel structure.
The pay increase will apply to the company's full-time, part-time, and seasonal employees, the company said Thursday in a statement.
Employees at Facebook flooded the company's internal messageboard, calling for their employer to finally take stronger action against Trump.
Calhoun is tasked with reviving the company's reputation, following two fatal crashes involving the company's newest aircraft the Boeing 737 Max jet.
According to LinkedIn analysis, 30% of a company's engagement on the platform comes from their employees, who are 14 times more likely to share their employer's content than any other company's.
From redesigning the company's logo, appointing TBWA as its first global agency and launching its first global ad campaign, Mildenhall quickly shifted the company's marketing strategy from plucky to mature.
As Pichai's attention is increasingly spent on matters like stabilizing the company's internal culture, Raghavan's steady hand is perhaps more needed than ever to guide the company's most important money drivers.
During the company's fourth-quarter earnings call on Wednesday, Musk said there were a few years where the company, including the team that works on solar, was devoted to building and producing Tesla's Model 3, the company's first mass-market vehicle.
Rowan mentioned Harris only briefly during his comments on Wednesday, and when he stated that he had "two amazing partners" to help him oversee the company's sprawling operations, he identified them as Jim Zelter and Scott Kleinman, the company's co-presidents.
Sharing intellectual property would not immediately address the current wave of infection, but Suhaib Siddiqi, the company's former director of chemistry, told the Associated Press that a modern factory would be able to begin producing the company's vaccine in less than four months.
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