Glancy Prongay & Murray LLP Reminds Investors of Looming Deadline in the Class Action Lawsuit Against Rentokil Initial plc (RTO)

Heavy travel day starts with brief grounding of all American Airlines flightsNEW YORK (AP) — More shoppers than ever are on track to use ‘buy now, pay later’ plans this holiday season, as the ability to spread out payments looks attractive at a time when Americans still feel the lingering effect of inflation and already have record-high credit card debt. The data firm Adobe Analytics predicts shoppers will spend 11.4% more this holiday season using buy now, pay later than they did a year ago. The company forecasts shoppers will purchase $18.5 billion worth of goods using the third-party services for the period Nov. 1 to Dec. 31, with $993 million worth of purchases on Cyber Monday alone. Buy now, pay later can be particularly appealing to consumers who have low credit scores or no credit history, such as younger shoppers, because most of the companies providing the service run only soft credit checks and don’t report the loans and payment histories to the credit bureaus, unlike credit card companies. This holiday season, buy now, pay later users can also feel more confident if a transaction goes awry. In May, the CFPB said buy now, pay later company must adhere to other regulations that govern traditional credit, such as providing ways to demand refunds and dispute transactions. To use a buy now, pay later plan, consumers typically sign up with bank account information or a debit or credit card, and agree to pay for purchases in monthly installments, typically over eight weeks or more. The loans are marketed as requiring no or low interest, or only conditional fees, such as for late payment. Klarna, Afterpay and Affirm are three of the biggest buy now, pay later companies. But consumer advocates warn that shoppers who sign up for the payment plans using a credit card can be hit with more interest and fees. That's because individuals open themselves up to interest on the credit card payment, if it's carried month to month, on top of any late fees, interest, or penalties from the buy now, pay later loan itself. Experts advise against using a credit card to pay for these plans for this reason. Consumer watchdogs also say the plans lead consumers to overextend themselves because, for example, not paying full price up front leaves, in the shopper’s mind at least, more money for smaller purchases . They also caution consumers to keep careful track of using multiple buy now, pay later services, as the automatic payments can add up, and there is no central reporting, such as with a credit card statement. “Buy now, pay later can be an innovative tool for purchases you’re going to make anyway,” said Mark Elliott, chief customer officer at financial services company LendingClub. “The challenge is that it does fuel overspending.” For merchants, that’s part of the appeal. Retailers have found that customers are more likely to have bigger cart sizes or to convert from browsing to checking out when buy now, pay later is offered. One report from the Federal Reserve Bank of New York cited research that found customers spend 20% more when buy now, pay later is available. “The reality is that the increased cost-of-living and inflation have put more people in a situation where they’re already relying on revolving credit,” Elliott said. “The psychographics of ‘buy now, pay later’ may be different — people don’t think of it as debt — but it is.” If a consumer misses a payment, they can face fees, interest, or the possibility of being locked out of using the services in the future. Emily Childers, consumer financial expert for personal-finance technology company Credit Karma, said that internal data shows member credit card balances are up more than 50% for Gen Z and millennial members since March 2022, when the Fed started raising interest rates. “Young people are entering this holiday season already in the red,” she said. “And, based on what we’re seeing in the data, they’re continuing to bury their heads in the sand and spend.” The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism.Border-Gavaskar Trophy Live Score: Jaiswal, Rahul become first visiting pair to post 150-plus run partnership in Australia in 14 years Yashasvi Jaiswal and KL Rahul's record-defining partnership on Day 2 of the Border Gavaskar Trophy against Australia in Perth saw them join an exclusive club on Saturday. After the pitch started to change its nature and turn in favour of the batters, Jaiswal and Rahul made the most of what was on offer. They shifted through gears, picked their moments and constantly rotated the strike to put pressure off their shoulders. Australia's bowlers soon ran out of depth as they fell to Jaiswal and Rahul's mercy. The relentless approach from the Indian openers became a sight to behold. They upped the ante to post an unbeaten 172-run opening partnership, propelling India's score to 172/0 at the stumps. It was the first 150-plus opening stand by a visiting team in Australia since 159 posted by English duo Andrew Strauss and Alastair Cook at the MCG back in 2010. Notably, this was the first 150-plus opening partnership outside Ashes Tests since 191 stitched up by Sunil Gavaskar and Kris Srikkanth at the SCG back in 1986. India vs Australia Live Score: Yashasvi Jaiswal breaks Brendon McCullum's 10-year-old Test record India's young southpaw Yashasvi Jaiswal etched his name in the history book by slamming the most sixes in Test cricket in a calendar year by eclipsing former New Zealand power-hitter Brendon McCullum's 10-year-old record. On Day 2 of the Border-Gavaskar Trophy (BGT) series opener against Australia, Jaiswal smoked the ball into the stands towards the end of the day's play. He danced around the crease and found the ideal connection to launch the ball over the boundary rope off Nathan Lyon. This was Jaiswal's 34th Test maximum in 2024, surpassing McCullum's tally of 33, which he amassed in 2014. England Test captain Ben Stokes slipped to the third spot with 26 sixes that he tonked in 2022. Australia's destructive Adam Gilchrist and India's legendary opener Virender Sehwag struck 22 sixes each in 2005 and 2008, respectively. IND vs AUS Live Score: 11th five-wicket haul for captain Bumrah In the morning, India captain Bumrah deservedly got his 11th five-wicket haul while debutant Harshit Rana bowled a fiery opening spell to dismiss the hosts for 104 at the stroke of lunch despite a stiff last-wicket resistance from Mitchell Starc and Josh Hazlewood. Starc (26 off 113 balls) shielded Hazlewood (7 not out off 31 balls) admirably during their 25-run last-wicket stand that lasted 18 overs. The day began with Bumrah (5/30 in 18 overs) getting one to rear up from back of the length and Carey's edge carried at a good height to Rishabh Pant behind stumps. The skipper's celebration was understated as he purposefully strode back to his bowling mark even before Nathan Lyon had arrived. At the other end, the burly Harshit Rana (3/48 in 15.2 overs) carried on from where he had left off on the opening day. The rookie speedster used more short balls, and one such well-directed delivery accounted for Lyon, who was pouched at gully by KL Rahul. Border-Gavaskar Trophy Live Score: 'Shot of the Day' Rahul's back-drive off Pat Cummins can easily be called the shot of the match but it was heartening to see Jaiswal put in a big stride forward while driving Mitchell Starc through covers apart from getting under the bounce and playing the ramp shot. In case of Rahul, he kept a very loose bottom-hand and that helped with the deliveries, even the ones that took the thickish edge only to fall way in front of the slip cordon. There was a spell of play in the post-tea session when Indians were kept quiet by Nathan Lyon but neither Jaiswal nor Rahul ran out of patience. Jaiswal's half-century came off 123 balls, his slowest in 15 Tests and spoke volumes about his adaptability. For Rahul, it was about forgetting the unfortunate dismissal on Friday and concentrate, which he did splendidly. Any target above 300 would be very difficult to chase on this track and Washington Sundar can come into play if those cracks open up, not to forget the three quicks who can use the variable bounce to good effect. India vs Australia Live Score: Rahul and Jaiswal wore down the Australian attack The way Rahul wore down the Australian attack was a sight to behold. There was no chatter from the slip cordon and at one point, the stitches of the Kookaburra came out. The live grass died by the second afternoon and the seam movement also went out of equation making batting easier. But no one can take away any credit from the two who were hardly troubled except for a mix-up that could have led to Rahul's run-out. Jaiswal also showed that he had learnt his lessons from the first innings and curbed his urge to drive on the up initially, which was the best part about his batting. Each of his seven fours and two sixes were well-executed shots. Once he had defended enough deliveries, the Australian pacers didn't have any option but to try either short or full length which he utilised well. The whip over mid-wicket to hit Starc for one-bounce four and then induce a grin from the pacer by telling him "you are slow", spoke volumes about how fearless the current generation of Indian cricketers is. In the final session, he flicked him for good measure for a maximum. IND vs AUS Live Score: Jaiswal, Rahul put India on top Yashasvi Jaiswal combined game awareness with perfect shot selection while KL Rahul remained technically unflappable in an unbroken opening stand of 172 as India looked set to bat Australia out of the match with an overall lead of 218 runs on the second day of the opening Test in Perth. After skipper Jasprit Bumrah's game-changing 11th five-wicket haul decimated Australia for 104, young Jaiswal (90 batting, 193 balls) and seasoned Rahul (62 batting, 154 balls) decided to grind it out with some old fashioned Test match batting by waiting for the loose deliveries and respecting good fast bowling. The Indians showed their compact defense by scoring 88 runs in 31 overs during the post-tea session as Jaiswal inched towards a coveted ton on his maiden outing on Australian soil. With enough time at their disposal and signs of cracks appearing on the surface, this is going to be India's Test match to lose. Match Statistics Yashasvi Jaiswal KL Rahul Devdutt Padikkal Usman Khawaja Nathan McSweeney Marnus Labuschagne Top Stories Right Now

WASHINGTON – As a former and potentially future president, Donald Trump hailed what would become Project 2025 as a road map for “exactly what our movement will do” with another crack at the White House. As the blueprint for a hard-right turn in America became a liability during the 2024 campaign, Trump pulled an about-face . He denied knowing anything about the “ridiculous and abysmal” plans written in part by his first-term aides and allies. Recommended Videos Now, after being elected the 47th president on Nov. 5, Trump is stocking his second administration with key players in the detailed effort he temporarily shunned. Most notably, Trump has tapped Russell Vought for an encore as director of the Office of Management and Budget; Tom Homan, his former immigration chief, as “border czar;” and immigration hardliner Stephen Miller as deputy chief of policy . Those moves have accelerated criticisms from Democrats who warn that Trump's election hands government reins to movement conservatives who spent years envisioning how to concentrate power in the West Wing and impose a starkly rightward shift across the U.S. government and society. Trump and his aides maintain that he won a mandate to overhaul Washington. But they maintain the specifics are his alone. “President Trump never had anything to do with Project 2025,” said Trump spokeswoman Karoline Leavitt in a statement. “All of President Trumps' Cabinet nominees and appointments are whole-heartedly committed to President Trump's agenda, not the agenda of outside groups.” Here is a look at what some of Trump's choices portend for his second presidency. As budget chief, Vought envisions a sweeping, powerful perch The Office of Management and Budget director, a role Vought held under Trump previously and requires Senate confirmation, prepares a president's proposed budget and is generally responsible for implementing the administration's agenda across agencies. The job is influential but Vought made clear as author of a Project 2025 chapter on presidential authority that he wants the post to wield more direct power. “The Director must view his job as the best, most comprehensive approximation of the President’s mind,” Vought wrote. The OMB, he wrote, “is a President’s air-traffic control system” and should be “involved in all aspects of the White House policy process,” becoming “powerful enough to override implementing agencies’ bureaucracies.” Trump did not go into such details when naming Vought but implicitly endorsed aggressive action. Vought, the president-elect said, “knows exactly how to dismantle the Deep State” — Trump’s catch-all for federal bureaucracy — and would help “restore fiscal sanity.” In June, speaking on former Trump aide Steve Bannon’s “War Room” podcast, Vought relished the potential tension: “We’re not going to save our country without a little confrontation.” Vought could help Musk and Trump remake government's role and scope The strategy of further concentrating federal authority in the presidency permeates Project 2025's and Trump's campaign proposals. Vought's vision is especially striking when paired with Trump's proposals to dramatically expand the president's control over federal workers and government purse strings — ideas intertwined with the president-elect tapping mega-billionaire Elon Musk and venture capitalist Vivek Ramaswamy to lead a “Department of Government Efficiency.” Trump in his first term sought to remake the federal civil service by reclassifying tens of thousands of federal civil service workers — who have job protection through changes in administration — as political appointees, making them easier to fire and replace with loyalists. Currently, only about 4,000 of the federal government's roughly 2 million workers are political appointees. President Joe Biden rescinded Trump's changes. Trump can now reinstate them. Meanwhile, Musk's and Ramaswamy's sweeping “efficiency” mandates from Trump could turn on an old, defunct constitutional theory that the president — not Congress — is the real gatekeeper of federal spending. In his “Agenda 47,” Trump endorsed so-called “impoundment,” which holds that when lawmakers pass appropriations bills, they simply set a spending ceiling, but not a floor. The president, the theory holds, can simply decide not to spend money on anything he deems unnecessary. Vought did not venture into impoundment in his Project 2025 chapter. But, he wrote, “The President should use every possible tool to propose and impose fiscal discipline on the federal government. Anything short of that would constitute abject failure.” Trump's choice immediately sparked backlash. “Russ Vought is a far-right ideologue who has tried to break the law to give President Trump unilateral authority he does not possess to override the spending decisions of Congress (and) who has and will again fight to give Trump the ability to summarily fire tens of thousands of civil servants,” said Sen. Patty Murray of Washington, a Democrat and outgoing Senate Appropriations chairwoman. Reps. Jamie Raskin of Maryland and Melanie Stansbury of New Mexico, leading Democrats on the House Committee on Oversight and Accountability, said Vought wants to “dismantle the expert federal workforce” to the detriment of Americans who depend on everything from veterans' health care to Social Security benefits. “Pain itself is the agenda,” they said. Homan and Miller reflect Trump's and Project 2025's immigration overl ap Trump’s protests about Project 2025 always glossed over overlaps in the two agendas . Both want to reimpose Trump-era immigration limits. Project 2025 includes a litany of detailed proposals for various U.S. immigration statutes, executive branch rules and agreements with other countries — reducing the number of refugees, work visa recipients and asylum seekers, for example. Miller is one of Trump's longest-serving advisers and architect of his immigration ideas, including his promise of the largest deportation force in U.S. history. As deputy policy chief, which is not subject to Senate confirmation, Miller would remain in Trump's West Wing inner circle. “America is for Americans and Americans only,” Miller said at Trump’s Madison Square Garden rally on Oct. 27. “America First Legal,” Miller’s organization founded as an ideological counter to the American Civil Liberties Union, was listed as an advisory group to Project 2025 until Miller asked that the name be removed because of negative attention. Homan, a Project 2025 named contributor, was an acting U.S. Immigration and Customs Enforcement director during Trump’s first presidency, playing a key role in what became known as Trump's “family separation policy.” Previewing Trump 2.0 earlier this year, Homan said: “No one’s off the table. If you’re here illegally, you better be looking over your shoulder.” Project 2025 contributors slated for CIA and Federal Communications chiefs John Ratcliffe, Trump's pick to lead the CIA , was previously one of Trump's directors of national intelligence. He is a Project 2025 contributor. The document's chapter on U.S. intelligence was written by Dustin Carmack, Ratcliffe's chief of staff in the first Trump administration. Reflecting Ratcliffe's and Trump's approach, Carmack declared the intelligence establishment too cautious. Ratcliffe, like the chapter attributed to Carmack, is hawkish toward China. Throughout the Project 2025 document, Beijing is framed as a U.S. adversary that cannot be trusted. Brendan Carr, the senior Republican on the Federal Communications Commission, wrote Project 2025's FCC chapter and is now Trump's pick to chair the panel. Carr wrote that the FCC chairman “is empowered with significant authority that is not shared” with other FCC members. He called for the FCC to address “threats to individual liberty posed by corporations that are abusing dominant positions in the market,” specifically “Big Tech and its attempts to drive diverse political viewpoints from the digital town square.” He called for more stringent transparency rules for social media platforms like Facebook and YouTube and “empower consumers to choose their own content filters and fact checkers, if any.” Carr and Ratcliffe would require Senate confirmation for their posts. ___Jharkhand Assembly Election Results: Champai Soren eyes Saraikela constituency for a 7th term, but now for BJP

Miami Dolphins First Injury Report of Week 13ALTOONA, Pa. — The suspect in the killing of UnitedHealthcare’s CEO struggled with deputies and shouted Tuesday while arriving for a court appearance in Pennsylvania, a day after he was arrested at a McDonald’s and charged with murder. Luigi Nicholas Mangione emerged from a patrol car, spun toward reporters and shouted something partly unintelligible referring to an “insult to the intelligence of the American people” while deputies pushed him inside. Prosecutors began to take steps to bring Mangione back to New York to face a murder charge while new details emerged about his life and how he was captured. The 26-year-old Ivy League graduate from a prominent Maryland real estate family was charged with murder hours after he was arrested in the Manhattan killing of Brian Thompson, who led the United States’ largest medical insurance company. At the brief hearing, defense lawyer Thomas Dickey informed the court that Mangione would not waive extradition to New York but instead wants a hearing on the issue. He has 14 days to challenge detention. Mangione likely was motivated by his anger with what he called “parasitic” health insurance companies and a disdain for corporate greed, a law enforcement bulletin obtained by The Associated Press said. He wrote that the U.S. has the most expensive health care system in the world and that profits of major corporations continue to increase while “our life expectancy” does not, according to the bulletin, based on a review of his hand-written notes and social media posts. Mangione called “Unabomber” Ted Kaczynski a “political revolutionary” and may have found inspiration from the man who carried out a series of bombings while railing against modern society and technology, according to the bulletin. Mangione remained jailed in Pennsylvania, where he was initially charged with possession of an unlicensed firearm, forgery and providing false identification to police. Manhattan prosecutors obtained an arrest warrant, a step that could help expedite his extradition from Pennsylvania. Mangione was arrested Monday in Altoona, Pennsylvania — about 230 miles west of New York City — after a McDonald’s customer recognized him and notified an employee, authorities said. Thompson, 50, was killed Wednesday as he walked alone to a Manhattan hotel for an investor conference. Police saw the shooting as a targeted attack. Get local news delivered to your inbox!