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$7EY'O FMDz V'<ΜHWMkZMN驢X`BB餢iM *eHgTӎףMobile Health mHealth Global Market Expected to Reach $159.66 Billion at a Rate of CAGR 17.1% by 2028A Michelin-starred chef has appealed to thieves who stole his van with 2,500 pies inside to “do the right thing” and drop them somewhere so people in need can have them. Tommy Banks, who owns two restaurants and a pub in North Yorkshire, posted on Instagram on Monday morning to say his van with £25,000 of stock in the back had been taken from just outside Ripon. Mr Banks said in the video that the stock – including steak and ale, turkey and butternut squash pies, as well as gravy and custard – was for York Christmas Market. A post shared by Tommy Banks (@tommybanks) He urged the thieves to drop the pies somewhere such as a community centre, adding “I know you’re a criminal, but maybe just do something nice because it’s Christmas and maybe we can feed a few thousand people with these pies that you’ve stolen, do the right thing”. Mr Banks also asked anyone who is offered pies from someone who is not him to report them to the police. North Yorkshire Police said it had been informed of the theft and asked anyone with information to get in touch, the BBC reported. Mr Banks’s video contained the caption: “So @matthewalockwood went into @madeinoldstead this morning to pick up the van and it has been stolen. “These guys had loaded up the van with stock for @tommyspieshop today and left plugged in overnight. “I’m guessing the thieves didn’t realise they were stealing 2,500 pies along with the van! The pies are all in boxes with my name on so not very easy to sell. “If you are the thieves and read this I urge you to drop the pies off somewhere. So we can at least give them to people who need food and they are not wasted.” Mr Banks told the PA news agency: “What was really making me sad this morning, I thought suddenly they’re going to realise what’s in the back and ditch the food. “We talk about zero waste and when you’ve got just short of a tonne of food that’s probably been ditched, it would be good if it could find its way to people who need it.” He added that his team were “much less bothered about the van as they’re bothered about the pies” as it was a week’s worth of stock. The chef said they are planning to create a chicken pie this week and one of his team came up with the name “bandit butter chicken pie”, as he said the situation was “all a bit Home Alone – at Christmas with the pie bandit stealing our pies”.
Parna Sabet-Stephenson is the leader of Gowling WLG’s Financial Services and Technology (FSxT) Group. Whether they know it or not, an estimated nine million Canadians routinely share their private financial information through a process known as “screen scraping.” Under this practice, consumers relinquish their bank login details to any number of tech service providers – few of which are subject to Canadian banking regulations – granting them broad permission to harvest their financial data for use in their products and services (fintech apps or accounting software, for example). For years, major financial institutions and ambitious fintech companies alike have criticized the process. Fintech companies, especially, have been urging Ottawa to move decisively on a safer, more modern alternative – namely, a “consumer-driven banking” or “open banking” framework built on a secure application programming interface (API) to transmit confidential information. Such a framework promises to kick open the door to a new era of transparency, security and consumer control around the sharing of sensitive financial information. To be sure, it’s a door that’s already wide open in Australia, Brazil, Britain and throughout Europe, and soon will be in the United States, as all of these places have enacted varying degrees and types of open-banking frameworks in recent years. In the coming weeks, Canada is slated to finally follow suit, having pledged in its last federal budget to release its draft open-banking legislation before year-end. Many industry watchers hope and expect this would allow for the direct transmission of information to replace screen scraping, putting an end to a practice that, despite its myriad flaws, has fuelled a Canadian fintech ecosystem valued at more than US$300-billion. Recently The Logic reported that the federal government plans to go a step further, not just introducing open banking but actively cracking down on screen scraping in tandem. This dual-pronged approach is a no-brainer. This outdated and insecure method of data transmission needs to go in order to protect Canadians and our financial system, boost trust, and accelerate the adoption of open banking in Canada. But while the move to phase out screen scraping is great news, the real question is how – and how fast – Ottawa will make this transition as it rolls out open banking. Speaking at an event in Gowling WLG’s office in May, Julien Brazeau, an associate assistant deputy minister in the Finance Department and one of the architects behind Canada’s future open-banking legislation, signalled that if Ottawa goes down that path, it would be taking a thoughtful, gradual approach to phasing out screen scraping. But if this practice is indeed so fraught with privacy, cybersecurity and legal risks, why does Ottawa not insist on an outright ban from the start? There are a few important reasons for this. First, Canada’s open-banking legislation is expected to be narrow in scope initially, limited to only certain types of data – particularly those related to deposit accounts, payment products, investment products, lines of credit and mortgages. In addition, fintechs receiving these data will initially not be permitted to edit it on banks’ servers, which would prevent functionalities such as payment initiation or account creation. For products and services reliant on data or functionality outside that initial scope, pulling the screen-scraping rug out suddenly is certain to hamper innovation. It’s important, then, that Canada’s screen-scraping phase-out at least be in lockstep with the scope of open banking’s phase-in. Second, as Canada begins to cautiously test the waters of open banking, screen scraping still offers a viable safety net in the event this transition encounters unexpected challenges. For example, if newly implemented APIs are found to be vulnerable to data breaches or other security risks, screen scraping may provide a necessary temporary workaround. Finally, a very large question of accreditation looms over Ottawa’s strategy. In a preview into Canada’s consumer-driven banking strategy released as part of the federal budget, the government promised to include an accreditation process to “ensure that only those who meet certain requirements can participate in a data sharing ecosystem.” For the time being, it also ruled out tiered accreditation, which would impose varying requirements for different levels of access. Will the accreditation rules be too rigid or onerous? It remains to be seen. What is certain is that the approach to accreditation must lend itself to a strategic phase-out of screen scraping. If the compliance burden proves overbearing, it’s likely that many – particularly smaller players with fewer resources – may simply choose not to opt in, which would jeopardize the adoption of open banking in Canada. The success of open banking will ultimately depend on Ottawa’s ability to balance progress with pragmatism as it works to make screen scraping an obsolete practice.Vanuatu has urged the top United Nations court to recognise the harm caused by climate change in its judgement on the legal obligation of countries to fight it and address the consequences of them contributing to global warming. Vanuatu, one of the small island states that has spearheaded the effort to get the World Court to give a so-called advisory opinion, was the first of more than 100 states and international organisations to give its views during two weeks of proceedings. "We find ourselves on the front lines of a crisis we did not create, a crisis that threatens our very existence," Ralph Regenvanu, Vanuatu's special envoy for climate change and the environment, told the court. Regenvanu said there was an urgent need for a response to climate change that was rooted in international law rather than politics. Meet the young people who could outlive their own country "We look to the court for recognition that the conduct which has already caused immense harm to my people and so many others is unlawful, that it must cease, and that its consequences must be repaired," he said. Australia was one of the countries to join with Vanuatu last year to petition for the International Court of Justice (ICJ) to issue an advisory opinion, but Regenvanu said those signatures of support for a hearing should not be confused with support for their position. "I wouldn't say they're behind us," he said. "There'll be countries for and against ... states will be arguing for less responsibility, less obligations, less consequences, and there will be states pushing the other angle." 08/09/2024 04:56 Play The hearings began a week after developing nations condemned as woefully inadequate the outcome of the COP29 summit , where richer countries agreed to provide $300 billion in annual climate finance by 2035 to help poorer nations cope with climate change. While advisory opinions from the World Court are not binding, they are legally and politically significant. Experts say the court's eventual opinion on climate change will probably be cited in climate change-driven lawsuits in courts from Europe to Latin America and beyond. Solomon Islands youth climate activist Cynthia Houniuhi told the judges the future for the young people in small island states was uncertain and currently determined by a handful of greenhouse gas-emitting countries that caused climate change. More than half of Vanuatu's visitors are Australian. Could climate change hurt tourism? "As judges of the World Court, you possess the power ... to help us course correct and renew hope in humanity's ability to address the greatest challenge of our time," she said. The hearings so far On the first day of hearings the court also heard from Saudi Arabia which urged the court to be cautious in its legal opinion, arguing that United Nations treaties on climate change already provided a complete answer to what states must do. 10/02/2024 05:50 Play Earlier on Monday Germany also argued that the obligations of states in regard to climate change were established in the Paris climate agreement. Aside from small island states and numerous Western and developing countries, the court will also hear from the world's top two emitters of greenhouse gases — China will speak on Tuesday and the United States is slated to give its views Wednesday. The Organization of the Petroleum Exporting Countries will not address the court, according to a revised schedule the court issued late on Monday. The hearings will continue until 13 December and the court's opinion is expected to be delivered in 2025.How Trump’s bet on voters electing him managed to silence some of his legal woes
stock is posting big gains in Thursday’s trading. The company’s share price was up 13% as of 2:30 p.m. ET. Supermicro stock is gaining ground on the heels of ‘s ( ) recently published third-quarter results. Supermicro is one of Nvidia’s largest customers, and the artificial intelligence (AI) leader’s Q3 results, commentary, and forward guidance are sending bullish signals for other AI stocks. Nvidia’s Q3 results boost Supermicro Nvidia published its Q3 results after the market closed yesterday and reported sales and earnings for the period that beat Wall Street’s expectations. The company reported non-GAAP (adjusted) earnings per share of $0.81 on revenue of $35.08 billion, beating the average analyst estimate’s call for per-share earnings of $0.75 on revenue of $33.16 billion. The company also said that it was expecting revenue of roughly $37.5 billion in the fourth quarter, surpassing the average analyst estimate’s call for sales of $37.08 billion in the period. On the heels of 94% year-over-year sales growth in Q3, the company’s guidance for Q4 suggests annual sales growth of roughly 70%. Nvidia’s strong performance and outlook suggest a favorable demand backdrop for Supermicro. And while some reports have suggested that the GPU leader has been diverting orders from Supermicro in favor of other customers, Nvidia CEO Jensen Huang name-checked the server specialist as one of his company’s “great partners” during its conference call. What’s next for Supermicro stock? Nvidia’s Q3 report and commentary suggest that spending on AI infrastructure continues to be quite strong and will remain so in the near term. The company’s GPUs are the core components of Supermicro’s high-performance AI servers, and its sales performance and forward guidance provide trustworthy bellwethers for the kind of demand backdrop the server specialist is seeing. On the other hand, there are still questions surrounding Supermicro that make the outlook for its stock unclear. The company was recently able to avoid having its stock delisted from the Nasdaq stock exchange by submitting a filing plan to regain compliance with the Securities and Exchange Commission (SEC). Ernst & Young resigned as Supermicro’s financial auditor in October due to concerns about the reliability of information from the company’s management and audit committee. BDO has now come on board as the tech specialist’s auditor. With BDO now hired, the company should be able to progress with the filing of its annual 10-K report for its last fiscal year. But there’s still a risk that the stock could be delisted from the Nasdaq — or that previously reported financial results could see significant downward revisions.
M3 Group Joins MEDIROM Mother Labs’ Series A Financing Round at JPY9 Billion (as of December 1, 2024, approximately USD $59,000,000) Pre-Money ValuationATLANTA (AP) — Already reeling from their November defeats, Democrats now are grappling with President Joe Biden’s for federal crimes, with some calling the move misguided and unwise after the party spent years slamming Donald Trump as a threat to democracy who disregarded the law. The president pardoned Hunter Biden late Sunday evening, reversing his previous pledges with a grant of clemency that covers more than a decade of any federal crimes his son might have committed. The said in a statement that his son’s prosecution on charges of tax evasion and falsifying a federal weapons purchase form were politically motivated. “He believes in the justice system, but he also believes that politics infected the process and led to a miscarriage of justice,” said White House press secretary Karine Jean-Pierre, who along with Biden and other White House officials insisted for months that . That explanation did not satisfy some Democrats, angry that Biden’s reversal could make it harder to take on , who has argued that were a matter of Biden and Democrats turning the justice system against him. “This is a bad precedent that could be abused by later Presidents and will sadly tarnish his reputation,” Colorado Gov. Jared Polis wrote of Biden on the social media platform X. “When you become President, your role is Pater familias of the nation,” the governor continued, a reference to the president invoking fatherhood in explaining his decision. “Hunter brought the legal trouble he faced on himself, and one can sympathize with his struggles while also acknowledging that no one is above the law, not a President and not a President’s son.” Rep. Greg Stanton, D-Ariz., said on X: “This wasn’t a politically motivated prosecution. Hunter committed felonies and was convicted by a jury of his peers.” Colorado Sen. Michael Bennet said Biden “put personal interest ahead of duty” with a decision that “further erodes Americans’ faith that the justice system is fair and equal for all.” Michigan Sen. Gary Peters the pardon was “an improper use of power” that erodes faith in government and “emboldens others to bend justice to suit their interests.” Sen. Peter Welch, D-Vt., called the pardon “understandable” if viewed only as the “action of a loving father.” But Biden's status as “our nation's Chief Executive," the senator said, rendered the move “unwise.” Certainly, the president has Democratic defenders who note Trump’s use of presidential power to pardon a slew of his convicted aides, associates and friends, several for activities tied to Trump’s campaign and first administration. “Trump pardoned Roger Stone, Steve Bannon, Michael Flynn and Paul Manafort, as well as his son-in-law’s father, Charles Kushner — who he just appointed US ambassador to France,” wrote prominent Democratic fundraiser Jon Cooper on X. Democratic National Committee Chairman Jaime Harrison said there “is no standard for Donald Trump, and the highest standard for Democrats and Joe Biden.” Harrison pointed to Trump's apparent plans to oust FBI Director Christopher Wray and with loyalist Kash Patel and suggested the GOP's pursuit of Hunter Biden would not have ended without clemency. “Most people will see that Joe Biden did what was right,” Harrison said. First lady Jill Biden said Monday from the White House, “Of course I support the pardon of my son.” Democrats already are facing the prospects of a Republican trifecta in Washington, with voters returning Trump to the White House and giving the GOP control of the House and Senate. Part of their argument against Trump and Republican leaders is expected to be that the president-elect is violating norms with his talk of taking retribution against his enemies. Before beating Vice President Kamala Harris, Trump faced his own legal troubles, including two cases that stemmed from his efforts to overturn his defeat to Joe Biden in the 2020 presidential election. Those cases, including Trump’s sentencing after being convicted on New York state business fraud charges, have either been dismissed or indefinitely delayed since Trump’s victory on Nov. 5, forcing Democrats to to the president-elect. President Biden firmly ruled out a pardon or commutation for his son, telling reporters as his son faced trial in the Delaware gun case: “I abide by the jury decision. I will do that and I will not pardon him.” As recently as Nov. 8, days after Trump’s victory, Jean-Pierre ruled out a pardon or clemency for the younger Biden, saying: “We’ve been asked that question multiple times. Our answer stands, which is no.” The president’s about-face came weeks before Hunter Biden was set to receive his punishment after his trial conviction in the gun case and guilty plea on tax charges. It capped a long-running legal saga for the younger Biden, who disclosed he was under federal investigation in December 2020 — a month after his father’s 2020 victory. The sweeping pardon covers not just the gun and tax offenses against the younger Biden, but also any other “offenses against the United States which he has committed or may have committed or taken part in during the period from January 1, 2014, through December 1, 2024.” Hunter Biden was convicted in June in Delaware federal court of three felonies for purchasing , prosecutors said, he lied on a federal form by claiming he was not illegally using or addicted to drugs. He had been set to stand trial in September in a California case accusing him of failing to pay at least $1.4 million in taxes. But he agreed to plead guilty to misdemeanor and felony charges in a surprise move hours after jury selection was set to begin. In his statement Sunday, the president argued that such offenses typically are not prosecuted with the same vigor as was directed against Hunter Biden. “The charges in his cases came about only after several of my political opponents in Congress instigated them to attack me and oppose my election,” Biden said in his statement. “No reasonable person who looks at the facts of Hunter’s cases can reach any other conclusion than Hunter was singled out only because he is my son. ... I hope Americans will understand why a father and a President would come to this decision.” Associated Press journalists Will Weissert aboard Air Force One and Darlene Superville, Mary Claire Jalonick and Michael Tackett in Washington contributed to this report.LIKE the characters aboard the Bapor Tabo of Jose Rizal’s second novel, El Filibusterismo, Filipinos found themselves in a similar boat that bobbed up and down with the volatile economic developments throughout the year. The pessimist would call the economy’s performance this year as sailing through treacherous waters, while the optimist would often see the economy as resilient—a word some would argue is overused, abused to describe anything Filipino. In an interview, Socioeconomic Planning Secretary Arsenio M. Balisacan admitted there were many challenges in 2024 and the government even fell short of its goals. But the economy managed to post respectable growth compared to its peers. “We certainly have faced, encountered many challenges for this year,” the country’s Chief economist told BusinessMirror. “We fell short of what we expected in the national economy. But again, no other economy in our region has met the expectations of their respective economies. And we still are able to maintain our relative position.” Growth Philippine Statistics Authority (PSA) data showed the economy started the year by growing only 5.8 percent, mildly higher than the 5.5 percent in the fourth quarter of 2023 but short of matching the 6.4-percent growth in the first quarter of 2023. The second quarter saw the economy growing 6.4 percent, the highest since the 7.1-percent growth in the fourth quarter of 2022. Data said government consumption increased 11.9 percent and general government construction spending grew 21.7 percent in the second quarter. In the third quarter, the economy’s performance was slower-than-expected at 5.2 percent, blowing the wind out of the economy’s sails. Analysts attributed this to slower private consumption Balisacan said one major challenge this year were the successive typhoons that wreaked havoc on many provinces and caused billions of damage to agriculture and infrastructure. Typhoons Kristine and Leon had a combined damage of P6.75 billion in production losses; 208,458 damaged homes worth P3.38 billion; and P10.57 billion worth of infrastructure damage, per the National Disaster Risk Reduction and Management Council’s (NDRRMC) last report on these typhoons. In June 2024, the NDRRMC reported that the El Niño cost the agricultural sector P9.89 billion, mostly in Livestock, Poultry and Fisheries worth P68.19 million. “The impact of the typhoons and both the El Nino in the first half of the year and the La Nina, has made a dent in the economy, particularly in agriculture and that contributed to the slowdown,” Balisacan told BusinessMirror. “But again,” he added, “the fact that the other sectors of the economy, particularly the consumption and the services sector, while slower than expected, managed to do well” is worth noting. Household consumption grew 5.1 percent in the third quarter, the highest in four quarters, and averaged 4.8 percent in the nine-month period this year. Government consumption slowed to 5 percent in the third quarter and averaged 6.5 percent in the first three quarters of 2024. PSA data showed the services sector grew 6.3 percent in the third quarter and averaged 6.7 percent in the first three quarters of the year. Prices Despite these, former Socioeconomic Planning Secretary Dante B. Canlas said inflation was the biggest concern this year—not just for the Philippines but all over the world. “Central banks all over the world made concerted efforts to fight inflation. The risk from disinflation is inducing a recession and high unemployment,” Canlas told BusinessMirror. However, Ateneo de Manila University economist Leonardo Lanzona Jr. told this newspaper the government’s efforts fell short of expectations, particularly in bringing down the cost of food. Lanzona said importation by the national government was ineffective. By November, inflation averaged 2.5 percent, fueled by a 5.9-percent increase in the prices of vegetables, tubers, cooking bananas and pulses. He noted that this could be blamed for the tepid consumption of households this year. Faced with high prices, consumers tend to scrimp on various food and non-food items they purchase daily. “High or unpredictable inflation disrupts the balance between consumption, investment, and trade, reducing the efficiency of the economy and hindering growth,” Lanzona told BusinessMirror. “Ensuring stable and moderate inflation is key to fostering a conducive environment for sustainable economic development. And as the GDP growth decreases, the debt to GDP increases, placing the country on the brink of a financial crisis,” he added. University of the Philippines Professor Emeritus Epictetus Patalinghug also told BusinessMirror the reduction in rice tariffs to 15 percent from 35 percent did not translate to lower retail prices of the country’s food staple. “Big rice importers benefited from lower cost of imported rice. The effect of the anti-agricultural smuggling law passed in 2024 remains to be proven in the future, whether it is effective,” Patalinghug said. Nonetheless, Canlas said, the Bangko Sentral ng Pilipinas (BSP) efforts to keep monetary policy tight have allowed the economy to dodge a recession and high unemployment. The PSA data showed a 369,000 year–on-year increase in employment to 48.157 million workers in October 2024 from 47.788 million in October 2023. There was also a 5.9-percent contraction in the number of jobless Filipinos: at 1.966 million in October 2024, this was 124,000 less than the 2.089 million in October 2023. However, the data also showed an 8.7-percent increase in the number of underemployed Filipinos. This covered those who were visibly underemployed and invisibly underemployed, which posted a year on year growth of 4.1 percent and 15.2 percent, respectively. “The Philippines dodged those problems as BSP tightened money. The BSP’s stabilization worked and set a good stage for output growth, job creation, and rising real wages,” Canlas, however, said. “As inflation further declines, expect consumption of households and investments of enterprises to resume and grow, with salutary impacts on next year’s growth,” he added. Infrastructure, taxes Apart from high commodity prices, Patalinghug said general government construction suffered because of the delays faced by many projects. PSA data showed general government construction spending slowed to 3.7 percent in the third quarter, the slowest in five quarters. General government construction averaged 14.9 percent in the nine-month period. Patalinghug said Cavite-Laguna Expressway, Central Luzon Link Expressway, MRT 7, North-South Commuter Railway, Metro Manila Subway, and the Grand Central Station in Trinoma were all delayed. He said “the only major economic development” in the Philippines this year was the privatization of NAIA, the completion of Panguil Bay Bridge, and, to a lesser degree, the extension of LRT-1 by five stations from Baclaran to Sucat. “The BBM infrastructure program is simply a continuation of the Duterte infrastructure program. In 2024, it has not addressed the major implementation problem: right-of-way acquisition problem; and during the pre-implementation stage, it does not have the capability to undertake project analysis and the period of implementation from pre-feasibility stage is dragged too long (e.g. the EDSA busway project),” Patalinghug explained. The economist also lamented the passage of the Create-More Law which would reduce the government’s revenues leading to more debt. The new law brought down corporate income tax to 20 percent from the current 25 percent. Patalinghug also noted that lower taxes was not included in the nine disincentives to investment in the Philippines as indicated in the US State Department Investment Climate Report. He said the list of disincentives were poor infrastructure, high power costs, slow broadband connection, regulatory inconsistencies, cumbersome bureaucracy, corruption, complex and slow justice system, traffic in major cities, and congestion in ports. “None of our attractive tax incentives allowed us to attract Apple, Samsung, or Intel to choose the Philippines over Vietnam because we need tax revenues to build infrastructure, to solve road traffic, to reduce port congestion, and so on,” he told BusinessMirror. Surviving The year saw many distractions, including from the political side of the spectrum. This, Patalinghug said, side-tracked the government in terms of addressing the country’s economic development. These included geopolitical developments, particularly in the West Philippine Sea, and domestic issues such as investigations on Philippine Offshore Gaming Operations and what he called a “demolition job against the Vice President.” Ultimately, he said, these resulted in wasted government and legislative resources, preventing the economy to be more productive and dynamic. He noted that while the government was distracted by these developments and other challenges, the country remained export- dependent through Overseas Filipino remittances and the earnings of the Business Process Outsourcing (BPO) industry. “In fairness to the BBM administration, it has passed a lot of laws in 2024 (e.g. real estate valuation and assessment law; value added tax in digital services, etc.). I hope they have a positive impact on the economy in the future,” Patalinghug said. “The economy in 2024 can best be described as “muddling through.” De La Salle University economist Maria Ella Oplas chooses to be positive, saying the economy was a survivor in 2024. Despite the odds, the country managed to post respectable economic growth, attract foreign direct investment and manage inflation. Oplas said while it was good to use the word “resilient” to describe the economy this year, this is still inaccurate given the need to be sustainable. She said the Philippines was not yet there. Elections as gamechanger Nonetheless, what is good was that the economy managed to weather its development challenges. The upcoming elections could be a gamechanger for next year as elections often lead to faster economic growth. “I would like to use the word, survivor to describe 2024. I would love to use resilient but that will require sustainability and I don’t think we are there yet,” Oplas said. “(We are) survivors because despite the El Nino, the typhoons and scandals we managed to still grow (economically) and even pushed for (the) Build Build More.” For his part, Lanzona said 2024 also showed that despite having good economic managers, they cannot prevent challenges from emerging and reaching Filipinos wherever they may be in the archipelago we call home. Given the political and economic challenges the country faced this year, he said his word was unraveling given how structural issues can have a significant impact not only on the general economic development of the country but also the life of every Filipino. “Even with good economic managers, there is no way of creating a firewall between a weak political structure and the economy. As the political structures continue to place unfit and corrupt individuals into positions of power, the economic activities continue to grow weaker,” Lanzona. Whether the economy muddled through—achieving a certain degree of success without much planning—or was resilient or was a survivor, the year 2024 certainly brought focus to the ebb and flow of life while aboard a boat sailing through a vast sea of change and uncertainty.
