ph365 As Nicolò prepares for the next chapter in his football career, he will undoubtedly have the support of his fans, teammates, and the football community at large. The young midfielder's journey may have taken an unexpected turn, but his passion for the game and his determination to overcome challenges will continue to inspire those around him.

Post Pushpa-2 release, political opponents here started targeting Armoor BJP MLA Paidi Rakesh Reddy as a red sanders smuggler. The ruling Congress leaders criticised him for his role in alleged red sanders smuggling in united Andhra Pradesh. The controversy erupted after minister for roads and buildings Komatireddy Venkat Reddy visited Nizamabad district recently. The minister reportedly introduced the defeated Armoor constituency candidate P. Vinay Kumar Reddy as Armoor MLA to district collector Rajiv Gandhi Hanumanthu. Minister’s remarks created the controversy and Armoor MLA Paidi Rakesh Reddy raised objections over this. He said that minister Komatireddy Venkat Reddy dishonoured the elected Armoor MLA. He decided to report this to the Election Commission of India. In a counter attack, district Congress committee president, cooperative societies’ union chairman Manala Mohan Reddy termed MLA Rakesh Reddy as a red sanders smuggler. In an election affidavit, allegations were raised against Rakesh Reddy for theft or receipt of stolen property of red sandal wood in Mahanandi rural police station limits in Kurnool district. Police registered an FIR (213) against him under AP Forest Act. Speaking to , Armoor BJP MLA Paidi Rakesh Reddy said minister Komatireddy Venkat Reddy insulted the elected MLA. The minister's recklessness hurt people of Armoor Assembly constituency, he said, adding that he would raise the protocol issue in Assembly sessions. “I am a licensed exporter of red sanders, and will not care about the political criticism on my business,” Rakesh Reddy said.By Noam N. Levey, KFF Health News Worried that President-elect Donald Trump will curtail federal efforts to take on the nation’s medical debt problem, patient and consumer advocates are looking to states to help people who can’t afford their medical bills or pay down their debts. “The election simply shifts our focus,” said Eva Stahl, who oversees public policy at Undue Medical Debt, a nonprofit that has worked closely with the Biden administration and state leaders on medical debt. “States are going to be the epicenter of policy change to mitigate the harms of medical debt.” New state initiatives may not be enough to protect Americans from medical debt if the incoming Trump administration and congressional Republicans move forward with plans to scale back federal aid that has helped millions gain health insurance or reduce the cost of their plans in recent years. Comprehensive health coverage that limits patients’ out-of-pocket costs remains the best defense against medical debt. But in the face of federal retrenchment, advocates are eyeing new initiatives in state legislatures to keep medical bills off people’s credit reports, a consumer protection that can boost credit scores and make it easier to buy a car, rent an apartment, or even get a job. Several states are looking to strengthen oversight of medical credit cards and other financial products that can leave patients paying high interest rates on top of their medical debt. Some states are also exploring new ways to compel hospitals to bolster financial aid programs to help their patients avoid sinking into debt. “There’s an enormous amount that states can do,” said Elisabeth Benjamin, who leads health care initiatives at the nonprofit Community Service Society of New York. “Look at what’s happened here.” New York state has enacted several laws in recent years to rein in hospital debt collections and to expand financial aid for patients, often with support from both Democrats and Republicans in the legislature. “It doesn’t matter the party. No one likes medical debt,” Benjamin said. Other states that have enacted protections in recent years include Arizona, California, Colorado, Connecticut, Florida, Illinois, Minnesota, Nevada, New Jersey, New Mexico, Oregon, Rhode Island, and Washington. Many measures picked up bipartisan support. President Joe Biden’s administration has proved to be an ally in state efforts to control health care debt. Such debt burdens 100 million people in the United States, a KFF Health News investigation found . Led by Biden appointee Rohit Chopra, the Consumer Financial Protection Bureau has made medical debt a priority , going after aggressive collectors and exposing problematic practices across the medical debt industry. Earlier this year, the agency proposed landmark regulations to remove medical bills from consumer credit scores. The White House also championed legislation to boost access to government-subsidized health insurance and to cap out-of-pocket drug costs for seniors, both key bulwarks against medical debt. Trump hasn’t indicated whether his administration will move ahead with the CFPB credit reporting rule, which was slated to be finalized early next year. Congressional Republicans, who will control the House and Senate next year, have blasted the proposal as regulatory overreach that will compromise the value of credit reports. And Elon Musk, the billionaire whom Trump has tapped to lead his initiative to shrink government, last week called for the elimination of the watchdog agency . “Delete CFPB,” Musk posted on X. If the CFPB withdraws the proposed regulation, states could enact their own rules, following the lead of Colorado, New York, and other states that have passed credit reporting bans since 2023. Advocates in Massachusetts are pushing the legislature there to take up a ban when it reconvenes in January. “There are a lot of different levers that states have to take on medical debt,” said April Kuehnhoff, a senior attorney at the National Consumer Law Center, which has helped lead national efforts to expand debt protections for patients. Kuehnhoff said she expects more states to crack down on medical credit card providers and other companies that lend money to patients to pay off medical bills, sometimes at double-digit interest rates. Under the Biden administration, the CFPB has been investigating patient financing companies amid warnings that many people may not understand that signing up for a medical credit card such as CareCredit or enrolling in a payment plan through a financial services company can pile on more debt. If the CFPB efforts stall under Trump, states could follow the lead of California, New York, and Illinois, which have all tightened rules governing patient lending in recent years. Consumer advocates say states are also likely to continue expanding efforts to get hospitals to provide more financial assistance to reduce or eliminate bills for low- and middle-income patients, a key protection that can keep people from slipping into debt. Hospitals historically have not made this aid readily available, prompting states such as California, Colorado, and Washington to set stronger standards to ensure more patients get help with bills they can’t afford. This year, North Carolina also won approval from the Biden administration to withhold federal funding from hospitals in the state unless they agreed to expand financial assistance. In Georgia, where state government is entirely in Republican control, officials have been discussing new measures to get hospitals to provide more assistance to patients. “When we talk about hospitals putting profits over patients, we get lots of nodding in the legislature from Democrats and Republicans,” said Liz Coyle, executive director of Georgia Watch, a consumer advocacy nonprofit. Many advocates caution, however, that state efforts to bolster patient protections will be critically undermined if the Trump administration cuts federal funding for health insurance programs such as Medicaid and the insurance marketplaces established through the Affordable Care Act. Trump and congressional Republicans have signaled their intent to roll back federal subsidies passed under Biden that make health plans purchased on ACA marketplaces more affordable. That could hike annual premiums by hundreds or even thousands of dollars for many enrollees, according to estimates by the Center on Budget and Policy Priorities, a think tank. And during Trump’s first term, he backed efforts in Republican-led states to restrict enrollment in their Medicaid safety net programs through rules that would require people to work in order to receive benefits. GOP state leaders in Idaho, Louisiana, and other states have expressed a desire to renew such efforts. “That’s all a recipe for more medical debt,” said Stahl, of Undue Medical Debt. Jessica Altman, who heads the Covered California insurance marketplace, warned that federal cuts will imperil initiatives in her state that have limited copays and deductibles and curtailed debt for many state residents. “States like California that have invested in critical affordable programs for our residents will face tough decisions,” she said. ©2024 KFF Health News. Distributed by Tribune Content Agency, LLC.

The expansion of personal pension coverage represents a significant milestone in the realm of retirement planning. Traditionally, personal pensions were primarily offered by employers as part of their benefits packages. However, this approach left many individuals, particularly those in non-traditional employment arrangements or self-employment, without access to a reliable pension plan. Recognizing this gap, governments are now taking steps to broaden the availability of personal pensions to ensure that all individuals have the opportunity to secure their financial future after retirement.Dutton takes the lead, but is he defying gravity?

In recent developments within the football world, Manchester City, one of the top clubs in the English Premier League, finds itself embroiled in a deepening crisis. The club, known as the Sky Blues or the Citizens, is facing mounting accusations and scrutiny from the authorities, with potential consequences that could shake the foundations of its success and reputation.

Dan Huttenlocher, SM ’84, PhD ’88, leads the way up to the eighth floor of Building 45, the recently completed headquarters of the . “There’s an amazing view of the Great Dome here,” he says, pointing out a panoramic view of campus and the Boston skyline beyond. The floor features a high-end event space with an outdoor terrace and room for nearly 350 people. But it also serves an additional purpose—luring people into the building, which opened last January. The event space “wasn’t in the original building plan,” says Huttenlocher, Schwarzman’s inaugural dean, “but the point of the building is to be a nexus, bringing people across campus together.” Launched in 2019–’20, Schwarzman is MIT’s only college, so called because it cuts across the Institute’s five schools in a new effort to integrate advanced computing and artificial intelligence into all areas of study. “We want to do two things: ensure that MIT stays at the forefront of computer science, AI research, and education,” Huttenlocher says, “and infuse the forefront of computing into disciplines across MIT.” He adds that safety and ethical considerations are also critical. To that end, the college now encompasses multiple existing , including the Computer Science and Artificial Intelligence Laboratory (CSAIL), and multiple , including the Department of Electrical Engineering and Computer Science. (EECS—which was reorganized into the overlapping subunits of electrical engineering, computer science, and artificial intelligence and decision-making—is now part of both the college and the School of Engineering.) At the same time, the college has embarked on a plan to hire 50 new faculty members, half of whom will have shared appointments in other departments across all five schools to create a true Institute-wide entity. Those faculty members—two-thirds of whom have already been hired—will conduct research at the boundaries of advanced computing and AI. The new faculty members have already begun helping the college respond to an undeniable reality facing many students: They’ve been overwhelmingly drawn to advanced computing tools, yet computer science classes are often too technical for nonmajors who want to apply those tools in other disciplines. And for students in other majors, it can be tricky to fit computer science classes into their schedules. Meanwhile, the appetite for computer science education is so great that nearly half of MIT’s undergraduates major in EECS, voting with their feet about the importance of computing. Graduate-level classes on deep learning and machine vision are among the largest on campus, with over 500 students each. And a blended major in cognition and computing has almost four times as many enrollees as brain and cognitive sciences. “We’ve been calling these students ‘computing bilinguals,’” Huttenlocher says, and the college aims to make sure that MIT students, whatever their field, are fluent in the language of computing. “As we change the landscape,” he says, “it’s not about seeing computing as a tool in service of a particular discipline, or a discipline in the service of computing, but asking: How can we bring these things together to forge something new?” The college has been the hub of this experiment, sponsoring over a dozen new courses that integrate computing with other disciplines, and it provides a variety of spaces that bring people together for conversations about the future of computing at MIT. More than just a nexus for computing on campus, the college has also positioned itself as a broad-based leader on AI, presenting policy briefs to Congress and the White House about how to manage the pressing ethical and political concerns raised by the rapidly evolving technology. “Right now, digital technologies are changing every aspect of our lives with breakneck speed,” says Asu Ozdaglar, SM ’98, PhD ’03, EECS department head and Schwarzman’s deputy dean of academics. “The college is MIT’s response to the ongoing digital transformation of our society.” Huttenlocher, who also holds the title of Henry Ellis Warren (1894) Professor of Electrical Engineering and Computer Science and coauthored the book with Henry Kissinger and Eric Schmidt, has long been exploring such issues. He started programming computers back in middle school in Connecticut in the 1970s on an ASR 33 teletype machine, and eventually he studied at the University of Michigan as a double major in cognitive psychology and computer science, exploring speech recognition and visual perception. “AI work back then was relatively disconnected from the physical world,” he says. “Being interested in the perceptual side of things was kind of an outlier for what was going on in AI then.” When he looked at grad schools in the 1980s, only MIT, Carnegie Mellon, and Stanford were doing significant work in AI, he says: “I applied to those three schools and figured if it didn’t work out, I’d get a job.” It worked out, of course. He headed to Cambridge and gravitated to MIT’s AI Lab in Technology Square, where he first worked on speech recognition and then transitioned into computer vision, at the time still in its infancy. After earning his PhD, he served simultaneously as a computer science professor at Cornell and a researcher at Xerox PARC, flying between New York and the burgeoning Silicon Valley, where he worked on computer vision for the digital transformation of copiers and scanners. “In academia, you have more curiosity-driven research projects, where in the corporate world you have the opportunity to build things people will actually use,” he says. “I’ve spent my career moving back and forth between them.” Along the way, Huttenlocher gained administrative experience as well. He was a longtime board member and eventual chair of the MacArthur Foundation, and he also helped launch Cornell Tech, the university’s New York City–based graduate school for business, law, and technology, serving as its first dean and vice provost. When Stephen Schwarzman, CEO of the investment firm Blackstone Group, gave $350 million to MIT to establish a college of computing in 2018, he was eager to return to the Institute to lead it. “The fact that MIT was making a bold commitment to become a broad-based leader in the AI-driven age—and that it was cutting across all of its schools—was exciting,” he says. Schwarzman College took shape through task forces involving more than 100 MIT faculty members. By the fall of 2019 a plan had been nailed down, and Huttenlocher was in place as director with EECS head Ozdaglar named deputy dean of academics. “I never believed that everybody wants to do computer science at MIT,” she says. “Students come in with a lot of passions, and it’s our responsibility to educate these bilinguals, so they are fluent in their own discipline but also able to use these advanced frontiers of computing.” Ozdaglar’s background is in using machine learning to optimize communications, transportation, and control systems. Recently she has become interested in applying machine-learning algorithms to social media, examining how the choices people make when sharing content affect the information—and misinformation—recommended to them. This work builds on her longstanding interdisciplinary collaborations in the social sciences, including collaborations with her husband, economics professor (and recent Nobel laureate) Daron Acemoglu. “I strongly feel that to really address the important questions in society, these old department or disciplinary silos aren’t adequate anymore,” she says. “The college has enabled me to work much more broadly across MIT and share all that I’ve learned.” Ozdaglar has been a driving force behind faculty hiring for the college, working with 18 departments to bring on dozens of scholars at the forefront of computing. In some ways, she says, it’s been a challenge to integrate the new hires into existing disciplines. “We have to keep teaching what we’ve been teaching for tens or hundreds of years, so change is hard and slow,” she says. But she has also noticed a palpable excitement about the new tools. Already, the college has brought in more than 30 new faculty members in four broad areas: climate and computing; human and natural intelligence; humanistic and social sciences; and AI for scientific discovery. In each case, they receive an academic home in another department, as well as an appointment, and often lab space, within the college. That commitment to interdisciplinary work has been built into every aspect of the new headquarters. “Most buildings at MIT come across as feeling pretty monolithic,” Huttenlocher says as he leads the way along brightly lit hallways and common spaces with large walls of glass looking out onto Vassar Street. “We wanted to make this feel as open and accessible as possible.” While the Institute’s high-end computing takes place mostly at a massive computing center in Holyoke, about 90 miles away in Western Massachusetts, the building is honey­combed with labs and communal workspaces, all made light and airy with glass and natural blond wood. Along the halls, open doorways offer enticing glimpses of such things as a giant robot hanging from a ceiling amid a tangle of wires. Lab and office space for faculty research groups working on related problems­—who might be from, say, CSAIL and LIDS—is interspersed on the same floor to encourage interaction and collaboration. “It’s great because it builds connections across labs,” Huttenlocher says. “Even the conference room does not belong to either the lab or the college, so people actually have to collaborate to use it.” Another dedicated space is available six months at a time, by application, for special collaborative projects. The first group to use it, last spring, focused on bringing computation to the climate challenge. To make sure undergrads use the building too, there’s a classroom and a 250-seat lecture hall, which now hosts classic Course 6 classes (such as Intro to Machine Learning) as well as new multidiscipline classes. A soaring central lobby lined with comfortable booths and modular furniture is ready-made for study sessions. For some of the new faculty, working at the college is a welcome change from previous academic experiences in which they often felt caught between disciplines. “The intersection of climate sustainability and AI was nascent when I started my PhD in 2015,” says Sherrie Wang, an assistant professor with a shared appointment in mechanical engineering and the Institute for Data, Systems, and Society, who is principal investigator of the Earth Intelligence Lab. When she hit the job market in 2022, it still wasn’t clear which department she’d be in. Now a part of Schwarzman’s climate cluster, she says her work uses machine learning to analyze satellite data, examining crop distribution and agricultural practices across the world. “It’s great to have a cohort of people who have similar philosophical motivations in applying these tools to real-world problems,” she says. “At the same time, we’re pushing the tools forward as well.” AI impact papers Among other researchers, she plans to collaborate with Sara Beery, a CSAIL professor who analyzes vast troves of visual, auditory, and other data from a diverse range of sensors around the world to better understand how climate change is affecting distribution of species. “AI can be successful in helping human experts efficiently process terabytes and petabytes of data so they can make informed management decisions in real time rather than five years later,” says Beery, who was drawn to the college’s unique hybrid nature. “We need a new generation of researchers that frame their work by bringing different types of knowledge together. At Schwarzman, there is a clear vision that this type of work is going to be necessary to solve these big, essential problems.” Beery is now working to develop a class in machine learning and sustainability with two other new faculty members in the climate cluster: Abigail Bodner, an assistant professor in EECS and Earth, Atmospheric, and Planetary Sciences (whose work uses AI to analyze fluid dynamics), and Priya Donti, assistant professor in EECS and LIDS (who uses AI and computing to optimize integration of renewable energy into power grids). “There’s already a core course on AI and machine learning­—an on-ramp for people without prior exposure who want to gain those fundamentals,” says Donti. “The new class would be for those who want to study advanced AI/ML topics within the context of sustainability-­related disciplines, including power systems, biodiversity, and climate science.” The class on machine learning and sustainability would be part of , an initiative cochaired by Ozdaglar and involving several dozen faculty members across MIT to develop new classes integrating advanced computing with other disciplines. So far, says Ozdaglar, it has generated more than a dozen new courses. One machine-learning class developed with input from nine departments provides exposure to a variety of practical applications for AI algorithms. Another collaboration, between computer science and urban studies, uses data visualization to address housing issues and other societal challenges. Julia Schneider ’26, a double major in AI and mathematics, took the Common Ground class on optimization methods, which she says demonstrated how computer science concepts like shortest-path algorithms and reinforcement learning could be applied in other areas, such as economics and business analytics. She adds that she values such classes because they blend her two areas of study and highlight multidisciplinary opportunities. Natasha Hirt ’23, MEng ’23, came to MIT thinking that computer science was peripheral to her major in architecture and urban planning. Then she took a course with building technology professor Caitlin Mueller on structural optimization and design—and it changed the trajectory of her MIT career. That led her to Interactive Data Visualization and Society, a Common Ground class, and several interdisciplinary classes combining computer science and field-specific knowledge. She says these provided the perfect introduction to algorithms without delving too much into math or coding,giving her enough working knowledge to set up models correctly and understand how things can go wrong. “They are teaching you what an engine is, what it looks like, and how it works without actually requiring you to know how to build an engine from scratch,” she says, though she adds that the classes also gave her the opportunity to tinker with the engine. She’s now working on master’s degrees in both building technology and computation science and engineering, focusing on making buildings more sustainable by using computational tools to design novel, less material-intensive structures. She says that Common Ground facilitates an environment where students don’t have to be computer science majors to learn the computational skills they need to succeed in their fields. And that’s the intent. “My hope is that this new way of thinking and these educational innovations will have an impact both nationally and globally,” Ozdaglar says. The same goes for recent papers MIT has commissioned, both on AI and public policy and on applications of generative AI. As generative AI has spread through many realms of society, it has become an ethical minefield, giving rise to problems from intellectual-property theft to deepfakes. “The likely consequence has been to both over- and under-­regulate AI, because the understanding isn’t there,” Huttenlocher says. But the technology has developed so rapidly it’s been nearly impossible for policymakers to keep up. “Even faculty who are leading researchers in this area say ‘I can’t read fast enough to keep up with what’s going on,’” Huttenlocher says, “so that heightens the challenge—and the need.” The college has responded by engaging faculty at the cutting edge of their disciplines to issue for government leaders. First was a written in the fall of 2023 by Huttenlocher, Ozdaglar, and the head of MIT’s DC office, David Goldston, with input from more than a dozen MIT faculty members. The brief spells out essential tasks for helping the US maintain its AI leadership, as well as crucial considerations for regulation. The college followed that up with a policy brief by EECS faculty specifically focusing on large language models such as ChatGPT. Others dealt with AI’s impact on the workforce, the effectiveness of labeling AI content, and AI in education. Along with the written documents, faculty have briefed congressional committees and federal agencies in person to get the information directly into the hands of policymakers. “The question has been ‘How do we take MIT’s specific academic knowledge and put it into a form that’s accessible?’” Huttenlocher says. On a parallel track, in July of 2023 President Sally Kornbluth and Provost Cynthia Barnhart, SM ’86, PhD ’88, issued a call for papers by MIT faculty and researchers to “articulate effective road maps, policy recommendations, and calls for action across the broad domain of generative AI.” Huttenlocher and Ozdaglar played a key role in evaluating the 75 proposals that came in. Ultimately, from interdisciplinary teams of authors representing all five schools. Each of the 27 teams received between $50,000 and $70,000 in seed funds to research and write 10-page impact papers, which were due by December 2023. Given the enthusiastic response, MIT sent out another call in the fall of 2023, resulting in an additional 53 proposals, with in March, on topics including visual art, drug discovery, and privacy. As with the policy briefs, Huttenlocher says, “we are trying to provide the fresher information an active researcher in the field would have, presented in a way that a broader audience can understand.” Even in the short time the college has been active, Huttenlocher and Ozdaglar have begun to see its effects. “We’re seeing departments starting to change some of the ways they are hiring around degree programs because of interactions with the college,” Huttenlocher says. “There is such a huge acceleration of AI in the world—it’s getting them to think with some urgency in doing this.” Whether through faculty hiring, new courses, policy papers, or just the existence of a space for high-level discussions about computing that had no natural home before, Huttenlocher says, the college hopes to invite the MIT community into a deeper discussion of how AI and other advanced computing tools can augment academic activities around campus. MIT has long been a leader in the development of AI, and for many years it has continued to innovate at the cutting edge of the field. With the college’s leadership, the Institute is in a position to continue innovating and to guide the future of the technology more broadly. “The next step,” says Ozdaglar, “is to take that impact out into the world.”Audit initiates 100 complaints against Montana guides, outfittersCharleston law school settles a lingering tax matter

Stocks closed higher on Wall Street at the start of a holiday-shortened week. The S&P 500 rose 0.7% Monday. Several big technology companies helped support the gains, including chip companies Nvidia and Broadcom. The Dow Jones Industrial Average added 0.2%, and the Nasdaq composite rose 1%. Honda’s U.S.-listed shares rose sharply after the company said it was in talks about a combination with Nissan in a deal that could also include Mitsubishi Motors. Eli Lilly rose after announcing that regulators approved Zepbound as the first prescription medicine for adults with sleep apnea. Treasury yields rose in the bond market. THIS IS A BREAKING NEWS UPDATE. AP’s earlier story follows below. Major stock indexes rose on Wall Street in afternoon trading Monday, after a choppy start to a holiday-shortened week. The S&P 500 rose 0.6%. The Dow Jones Industrial Average recovered from an early slide to gain 29 points, or 0.1% as of 3:40 p.m. Eastern time. The tech-heavy Nasdaq composite rose 0.8%. Gains in technology and communications stocks helped outweigh losses in consumer goods companies and elsewhere in the market. Semiconductor giant Nvidia, whose enormous valuation gives it an outsize influence on indexes, rose 3.3%. Broadcom climbed 5.5% to also help support the broader market. Walmart fell 2% and PepsiCo slid 1.2%. Japanese automakers Honda Motor and Nissan said they are talking about combining in a deal that might also include Mitsubishi Motors. U.S.-listed shares in Honda jumped 13.4%, while Nissan slipped 0.2%. Eli Lilly rose 3.5% after announcing that regulators approved Zepbound as the first and only prescription medicine for adults with sleep apnea. Department store Nordstrom fell 1.6% after it agreed to be taken private by Nordstrom family members and a Mexican retail group in a $6.25 billion deal. The Conference Board said that consumer confidence slipped in December. Its consumer confidence index fell back to 104.7 from 112.8 in November. Wall Street was expecting a reading of 113.8. The unexpectedly weak consumer confidence update follows several generally strong economic reports last week. One report showed the overall economy grew at a 3.1% annualized rate during the summer, faster than earlier thought. The latest report on unemployment benefit applications showed that the job market remains solid. A report on Friday said a measure of inflation the Federal Reserve likes to use was slightly lower last month than economists expected. Worries about inflation edging higher again had been weighing on Wall Street and the Fed. The central bank just delivered its third cut to interest rates this year, but inflation has been hovering stubbornly above its target of 2%. It has signaled that it could deliver fewer cuts to interest rates next year than it earlier anticipated because of concerns over inflation. Expectations for more interest rate cuts have helped drive a roughly 25% gain for the S&P 500 in 2024. That drive included 57 all-time highs this year. Inflation concerns have added to uncertainties heading into 2025, which include the labor market's path ahead and shifting economic policies under an incoming President Donald Trump. "Put simply, much of the strong market performance prior to last week was driven by expectations that a best-case scenario was the base case for 2025," said Brent Schutte, chief investment officer at Northwestern Mutual Wealth Management Company Treasury yields rose in the bond market. The yield on the 10-year Treasury rose to 4.59% from 4.53% late Friday. European markets were mostly lower, while markets in Asia gained ground. Wall Street has several other economic reports to look forward to this week. On Tuesday, the U.S. will release its November report for sales of newly constructed homes. A weekly update on unemployment benefits is expected on Thursday. Markets in the U.S. will close at 1 p.m. Eastern on Tuesday for Christmas Eve and will remain closed on Wednesday for Christmas.

Pep Guardiola sure 75 per cent of Premier League clubs want Man City relegatedThe Three-Dimensional World low-code platform represents a paradigm shift in software development, offering a user-friendly interface that allows users to create complex applications with minimal coding knowledge. By leveraging drag-and-drop functionalities, pre-built templates, and a robust library of components, developers can rapidly prototype and deploy applications, saving time and resources in the process. This intuitive approach to software development empowers teams to focus on innovation and creativity, rather than getting bogged down by traditional coding practices.

What sets Greenwood apart from his peers is not just his goal-scoring prowess but also his incredible speed of adaptation and integration into the French football scene. While many young players take time to adjust to the rigors of playing in a new league, Greenwood hit the ground running from day one. His seamless transition from Canadian football to the intensity of Ligue 1 has been nothing short of meteoric, earning him admiration and praise from fans and pundits alike.Nigeria’s economy still facing crisis – CBN

NFL ends investigation into sexual assault allegations against Browns QB Deshaun Watson

INSURGENTS REACH GATES OF CAPITALBut Wu Liufang's journey to success has been far from smooth. Like many aspiring creators, she has faced her fair share of challenges and setbacks, from technical issues to creative blockages. However, what sets Wu Liufang apart is her ability to channel these obstacles into opportunities for growth and self-improvement.

Cruise into this holiday season with a non-traditional vacation

However, amidst the sea of responses about the new season, a thread emerged in the comments section discussing the recent "Marvel Showdown" team building event. Several OWL teams had taken the initiative to organize a friendly competition inspired by the popular Marvel franchise. Teams were divided into different superhero-themed groups, with players dressing up as their favorite characters and competing in various challenges and games.

In conclusion, the Barnyard Chic trend is a celebration of the beauty found in the everyday and the unexpected. By embracing the raw and honest elements of farm life and blending them with high fashion sensibilities, designers have created a trend that is both timeless and fresh. So, embrace your inner farmer, mix your denim with lace, and strut your stuff down the runway in true Barn Wind style.While the immediate threat was swiftly dealt with, the incident also highlighted the need for continuous monitoring, evaluation, and improvement of safety measures in data centers. Alibaba Cloud stated that they would conduct a thorough investigation into the cause of the fire and implement any necessary measures to prevent similar incidents in the future.The New York Rangers and goalie Igor Shesterkin have agreed to an eight-year contract extension, sources told ESPN's Kevin Weekes and Emily Kaplan. The average annual value on the contract is $11.5 million, according to sources. That will make him the highest paid goalie in NHL history, beating Carey Price's previous contract. Shesterkin, 28, is on the final year of a four-year deal with an AAV of $5.66 million. His camp and the Rangers have been negotiating an extension for several months. Shesterkin's camp had argued that he should be the team's highest-paid player. Currently that's Artemi Panarin , who has an AAV of $11.6 million. Editor's Picks Rangers end Trouba tenure with trade to Ducks 10m Greg Wyshynski 'There's not one right way to do it': Why paying goalies is so complicated in today's NHL 18d Emily Kaplan NHL trade grades: Who comes out ahead on the Jacob Trouba swap? 1m Ryan S. Clark, Greg Wyshynski Shesterkin won the Vezina Trophy in 2022. The Russian-born netminder is 8-9-1 this season with a 3.05 GAA with a .908 percentage and one shutout this season. News of Shesterkin's deal comes at a busy time for the Rangers. Also on Friday, New York traded its captain, Jacob Trouba , to the Anaheim Ducks . The Rangers are in a playoff position as of Friday's game against the Pittsburgh Penguins , but are not pleased with their results of late and are hoping to go on a push going forward.

By Jennifer Allen Between cooking, cleaning and hosting, the familiar hustle of the holiday season can sometimes feel more hectic than heartwarming. But what if there were a way to embrace the season while leaving the chaos behind? Holiday cruises make all of this possible, offering the perfect getaway that can be tailored to any vibe – blending festive traditions with the excitement of travel. Imagine sipping hot chocolate in the background of the Northern Lights, exploring sun-drenched islands or maybe enjoying a festive dinner on the sea. Whether looking for family-friendly fun, romance for two or peaceful solo travel, holiday cruises deliver a unique celebration unlike any other. Do you want to skip the stress of the season but don’t want to miss out on the holiday cheer? Rest assured, among the most well-known cruise lines, most of them host elaborate holiday festivities that transform their ships into winter wonderlands complete with decorations, entertainment and activities fit for Santa Claus himself. Instead of buying gifts, stressing over what to cook or bake and cleaning over the holidays, Michelle Price of Honest and Truly prefers a holiday cruise for her family. “The ship takes care of everything, from making the beds in the morning to prepping our meals throughout the day. And they have various fun activities to keep us busy,” she says. From towering Christmas trees in the atrium to twinkling lights on every railing, cruises at this time of year are very creative with their festive splendor. Cruises will also complement their aesthetics to match entertainment, including tree-lighting ceremonies, live caroling and holiday movie nights under the stars. Depending on the cruise, you can expect a robust calendar of events with activities like ugly sweater parties, holiday trivia, Santa appearances and even onboard Christmas markets. The holiday wouldn’t feel complete without the food to match, and cruise lines deliver. You can enjoy lavish holiday dinners complete with everything, from the traditional turkey to international Christmas dishes. Some cruises even offer themed buffets with everything, from a turkey carving station to hot and creamy chowders , holiday cocktails, gingerbread-making workshops and seasonal dessert tastings to add fun to the feasts. Cruises cater to various travelers and take the guesswork out of planning a holiday. Unlike a traditional vacation where you are responsible for your own itinerary, cruises do the hard work for you by planning destinations, offering a wide variety of on-board activities and providing varied experiences that appeal to all. A 2024 survey by Expedia Cruises concluded that 82% of travelers who have cruised before say they would do it again. Traveling with the whole family can often feel like an exercise in logistics that leaves you more stressed than you were before your holiday. Holiday cruises simplify this, offering multigenerational activities, family-friendly dining options and flexible accommodations. The Disney Cruise Line, which includes the Very Merrytime Cruises for the holiday season, is popular for offering exciting kid-centric activities like themed crafts, holiday scavenger hunts and character meet-and-greets. These endless options paired with the kids’ or teens’ clubs keep younger travelers entertained while giving their parents peace of mind. When traveling with older family members, consider reaching out to the cruise ahead of time to find out what accessible options they offer. Cruise lines can sometimes accommodate requests that might be better suited for older folks like avoiding stairs or long walks to reach their room. Couples can rediscover their magic on holiday cruises that offer intimate moments and tailored experiences. The Romantic Cruises by Princess Cruises stand out because of their private balcony dining and couples’ activities like wine tastings or cooking classes to make hors d’oeuvres . However, many holiday cruises offer specialty experiences like date-night-worthy restaurants, sunset strolls on the deck and shared excursions that are sure to create lasting memories. For couples looking to rest and relax, holiday cruises can provide serene spaces, spa suites and infinity verandas that are perfect for unwinding together. Cruises provide the perfect atmosphere for singles to mingle and enjoy the holiday season with company. Social events like trivia nights, dance parties and holiday mixers encourage connection and camaraderie. Certain cruises, like the Norwegian Cruise Line and the Virgin Voyages’ Holiday Cruises, cater specifically to solo travelers. These cruises include adult-only entertainment, curated activities and a vibrant nightlife. Rest assured, these cruises provide plenty of holiday entertainment and seasonal activities that ensure you enjoy yourself while staying close to your holiday traditions. With over 323 cruise ships currently in operation serving 36 million passengers this year alone, according to photoAiD , how do you choose if you’re a first-time cruiser ? Start by confirming that the cruise is appropriate for the needs of your traveling group. Often, experiences that are tailored for a specific group, whether kids or couples, will be described in the cruise line’s name – take for instance, the Disney Cruise Line. You can also check out the on-board activities available to make sure that there are plenty of options for your company. Next, consider your budget. Holiday cruises make luxury accessible without breaking the bank, with options as low as $300 for shorter voyages. Cruises will often provide all-inclusive packages that bundle accommodations, dining, entertainment and travel into a single cost-effective experience. The Carnival Cruise line remains a favorite for budget-conscious travelers because of its fun festivities and great dining options. However, even high-end experiences, like the MSC Cruises’ Yacht Club, which includes amenities like private pools, lounges and butler services come at a fraction of the cost of traditional luxury resorts. Lastly, ask yourself what holiday vibe you’re going for. Are you dreaming of a sunny tropical Christmas or perhaps frosty landscapes? Either way, with thousands of options in December alone, as cataloged by CruiseBooking.com , there’s a cruise waiting for you. The Norwegian Cruise Line’s Caribbean Cruises stop at destinations like the Great Stirrup Cay, while Hurtigruten’s Arctic Expeditions sail through breathtaking fjords and snowy landscapes. Holiday cruises offer a unique way to celebrate the season that’s a guaranteed hit without breaking the bank. Consider leaving behind the stress of hosting and planning; step aboard a ship where every detail has been curated to bring enjoyment and relaxation. With the holidays calling, will you answer with a ticket to set sail? Jennifer Allen is a retired professional chef and long-time writer. Her writing appears in dozens of publications, and she has two cookbooks, “Keto Soup Cookbook” and “Keto Diabetic Cookbook and Meal Plan.” These days, she’s busy in the kitchen, developing recipes for various publications and traveling, and you can find all her best recipes at Cook What You Love .

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