Magical moments from PV Sindhu and Venkata Datta Sai’s Udaipur wedding [PICS]Share Tweet Share Share Email Traditional investments such as stocks, bonds, and real estate, the concept of investing in rare books and collectibles often flies under the radar. However, this niche investment sector is gaining attention for its ability to combine historical preservation with financial growth. If you’re looking to diversify your portfolio while indulging your passion for history and culture, rare book and collectible funds might be worth considering. What Are Rare Book and Collectible Funds? Rare book and collectible funds pool resources from multiple investors to acquire and manage valuable historical items. These can range from first editions of literary classics to ancient manuscripts and autographed works. By investing in such funds, individuals gain fractional ownership of high-value items without having to purchase them outright. Unlike individual collecting, which requires extensive knowledge and access to resources, funds are managed by experts. These professionals have the expertise to identify undervalued items, authenticate works, and predict market trends. Consequently, they help maximize returns while ensuring the preservation of these cultural treasures. Why Invest in Rare Books and Collectibles? Diversification Benefits One of the key advantages of investing in rare books is portfolio diversification. Unlike traditional markets, the value of rare books isn’t tied to the stock market’s performance. This independence can act as a buffer during economic downturns. Tangible Assets Rare books and collectibles are physical assets with intrinsic value. While stocks and cryptocurrencies exist in the digital realm, owning tangible cultural artifacts provides a sense of security. Even if the market fluctuates, these items often retain their historical and cultural significance. Cultural and Historical Appeal For many investors, rare books aren’t just financial assets—they’re a connection to the past. Owning or having stakes in an original copy of a Charles Dickens novel or a medieval manuscript goes beyond monetary gain. It’s about preserving history and appreciating art. Potential for High Returns Although rare book investments require patience, they can yield significant returns. Historical items, particularly those with unique provenance, often appreciate in value over time. For instance, a first edition of J.K. Rowling’s Harry Potter and the Philosopher’s Stone has seen exponential growth in value since its release. How Rare Book Funds Work Rare book and collectible funds operate much like mutual funds. Here’s a step-by-step breakdown: Investor Contributions: Investors contribute money to the fund, which pools these resources. Acquisition of Assets: Fund managers use the pooled money to acquire rare and valuable items. Asset Management: The acquired items are stored securely and insured. Managers also authenticate and appraise the collection to maintain its value. Profit Distribution: When items are sold at a profit, the returns are distributed among investors based on their contribution. By participating in a fund, you avoid the hassle of individual ownership, including storage, maintenance, and sale logistics. Factors to Consider Before Investing Expertise of Fund Managers When choosing a rare book fund, the expertise of the management team is critical. Look for managers with a proven track record in the rare book market. Their ability to identify valuable assets and navigate market trends can make or break your investment. Market Trends Like any investment, understanding the market is vital. While some books and manuscripts have consistently risen in value, others may not perform as well. Stay informed about trends and demand in the rare book sector. Liquidity Concerns Rare book investments are typically long-term. The market for these items is less liquid than stocks or bonds, meaning it may take time to sell and realize profits. Associated Costs Storage, insurance, and authentication can incur additional expenses. Ensure that these costs are factored into your potential returns. Examples of High-Value Rare Books Gutenberg Bible: As one of the first books printed using movable type, it’s a cornerstone of publishing history. Copies have sold for millions of dollars. First Folio of Shakespeare: This collection of Shakespeare’s plays is highly sought after by collectors and institutions. Bay Psalm Book: The first book printed in America, it’s a treasure of early American history. Modern First Editions: Contemporary works, such as signed first editions of To Kill a Mockingbird or The Great Gatsby, have seen substantial appreciation. Risks and Challenges While rare books and collectibles present exciting opportunities, they’re not without risks: Market Volatility: Like any asset, rare book values can fluctuate based on market demand and economic conditions. Forgery and Fraud: The market is rife with counterfeits. Working with reputable experts and authenticators is essential. Illiquidity: As mentioned, the time it takes to sell rare books can be significant. Storage and Maintenance: Proper storage conditions are critical to preserving the value of rare books. Poor handling or environmental factors can degrade these items. The Future of Rare Book Investments The market for rare books and collectibles is expected to grow as interest in tangible assets increases. Younger generations, driven by nostalgia and the appeal of unique investments, are entering the market. Additionally, advancements in blockchain technology are making fractional ownership and transparent authentication more accessible. How to Get Started If you’re intrigued by rare book and collectible funds, here’s how to begin: Research Funds: Look for reputable funds specializing in rare books. Review their portfolios and management teams. Assess Your Goals: Determine if this type of investment aligns with your financial and personal interests. Start Small: Consider starting with a modest investment to understand the market. Seek Expert Advice: Consult with financial advisors or rare book experts to make informed decisions. Conclusion Rare book and collectible funds offer a unique blend of financial growth and cultural preservation. By investing in these funds, you’re not just building wealth—you’re helping safeguard pieces of history for future generations. While the market has its challenges, careful planning, and expert guidance can make this a rewarding venture for investors seeking something truly distinctive . Related Items: Building Wealth , Collectible Funds , Rare Book and Collectible Funds Share Tweet Share Share Email Recommended for you The Best Passive Income Ideas for Building Wealth over Time Comments

Global Medical Accounting Software Market Size, Share and Forecast By Key Players-NetSuite, Sage Intacct, Cougar Mountain Software, Deskera ERP, Multiview 11-22-2024 06:38 PM CET | Advertising, Media Consulting, Marketing Research Press release from: Market Research Intellect Medical Accounting Software Market USA, New Jersey- According to the Market Research Intellect, the global Medical Accounting Software market is projected to grow at a robust compound annual growth rate (CAGR) of 10.21% from 2024 to 2031. Starting with a valuation of 12.4 Billion in 2024, the market is expected to reach approximately 22.22 Billion by 2031, driven by factors such as Medical Accounting Software and Medical Accounting Software. This significant growth underscores the expanding demand for Medical Accounting Software across various sectors. The Medical Accounting Software Market is experiencing substantial growth driven by the increasing complexity of financial management in the healthcare sector. As healthcare organizations expand and digitalize their operations, the need for efficient accounting solutions to handle billing, payroll, budgeting, and insurance claims is growing. Medical accounting software offers improved accuracy, automation, and compliance with healthcare regulations, making it an essential tool for medical practices, hospitals, and insurance providers. Additionally, the shift toward value-based care and the growing demand for integrated financial systems across different healthcare segments are further fueling market expansion. As healthcare costs rise and organizations seek ways to streamline operations, the market for medical accounting software is expected to continue its upward trajectory, supported by advancements in cloud technology and real-time financial reporting. The dynamics of the Medical Accounting Software Market are influenced by the increasing adoption of digital tools to streamline financial operations in healthcare settings. Key drivers include the need for improved billing accuracy, regulatory compliance, and cost management in the face of rising healthcare expenses. Cloud-based solutions, automation, and integration with other healthcare management systems are major trends reshaping the market. However, challenges such as high implementation costs, data security concerns, and resistance to adopting new systems in traditional healthcare environments can hinder growth. As the healthcare industry focuses on reducing administrative overhead and improving financial transparency, providers are innovating to offer more user-friendly, scalable, and compliant solutions, which will continue to drive the market's expansion. Request PDF Sample Copy of Report: (Including Full TOC, List of Tables & Figures, Chart) @ https://www.marketresearchintellect.com/download-sample/?rid=3650910&utm_source=OpenPr&utm_medium=046 Key Drivers: The growth of the Medical Accounting Software market is driven by several key factors. Technological advancements in Medical Accounting Software have enabled greater efficiency and enhanced capabilities, spurring adoption across industries. Additionally, the rising demand for sustainable and eco-friendly solutions is pushing companies to innovate and adopt greener practices. Expanding applications in sectors like Medical Accounting Software and Medical Accounting Software are further contributing to market demand, as these industries seek advanced solutions to streamline operations and enhance product quality. Favorable government policies and incentives in regions such as North America, Europe, and Asia-Pacific support investment and growth. Moreover, an increasing focus on Medical Accounting Software for improving operational efficiency and cost-effectiveness is encouraging businesses to embrace new technologies, fostering sustained market expansion. Mergers and Acquisitions Mergers and acquisitions (M&A) play a pivotal role in the Medical Accounting Software market, as companies look to expand their capabilities, access new technologies, and strengthen market presence. Leading players engage in strategic acquisitions to consolidate their position and gain a competitive edge. These transactions often facilitate the integration of advanced Medical Accounting Software solutions, helping firms broaden their product portfolios and meet growing customer demands. Additionally, M&A activities support companies in achieving economies of scale and penetrating new regional markets, particularly in high-growth areas like Asia-Pacific. Through such strategic alliances, businesses aim to accelerate innovation, enhance operational efficiency, and address evolving market challenges, ultimately driving the overall growth of the Medical Accounting Software market. Get a Discount On The Purchase Of This Report @ https://www.marketresearchintellect.com/ask-for-discount/?rid=3650910&utm_source=OpenPr&utm_medium=046 The following Key Segments Are Covered in Our Report By Type Cloud-based On-premises By Application Small and Medium Enterprises (SMEs) Large Enterprises Major companies in Medical Accounting Software Market are: NetSuite, Sage Intacct, Cougar Mountain Software, Deskera ERP, Multiview, Blackbaud, AccuFund, FinancialForce, SAP, Oracle, Xledger, EBizCharge, Bench Global Medical Accounting Software Market -Regional Analysis North America: North America is expected to hold a significant share of the Medical Accounting Software market due to advanced technological infrastructure and the presence of major market players. High demand across sectors like Medical Accounting Software and Medical Accounting Software is driving growth, with the U.S. being a key contributor. Additionally, ongoing investments in R&D and innovation reinforce the region's strong market position. Europe: Europe is projected to experience steady growth, driven by stringent regulatory standards and a rising focus on sustainability in Medical Accounting Software practices. Countries like Germany, France, and the UK are leading due to their advanced industrial base and supportive government policies. The demand for eco-friendly and efficient Medical Accounting Software solutions is expected to continue fostering market expansion. Asia-Pacific: Asia-Pacific is anticipated to be the fastest-growing region, fueled by rapid industrialization and urbanization. Countries such as China, India, and Japan are driving demand due to expanding consumer bases and increasing investments in infrastructure. The region's robust manufacturing sector and favorable economic policies further enhance growth opportunities in the Medical Accounting Software market. Latin America: Latin America and the Middle East & Africa are expected to show moderate growth in the Medical Accounting Software market. In Latin America, growth is supported by rising industrial activities in countries like Brazil and Mexico. Meanwhile, in the Middle East & Africa, infrastructure development and an increasing focus on innovation in sectors like Medical Accounting Software are key drivers of market expansion. Middle East and Africa: The Middle East and Africa represent emerging markets in the global Medical Accounting Software market, with countries like UAE, Saudi Arabia, South Africa, and Nigeria showing promising growth potential. Economic diversification efforts, urbanization, and a young population are driving demand for Medical Accounting Software products and services in the region. Frequently Asked Questions (FAQ) 1. What is the current size of the Medical Accounting Software market? Answer: The Medical Accounting Software market was valued at approximately 12.4 Billion in 2024, with projections suggesting it will reach 22.22 Billion by 2031, growing at a CAGR of 10.21%. 2. What factors are driving the growth of the Medical Accounting Software market? Answer: The market's expansion is attributed to several factors, including increased demand for Medical Accounting Software, advancements in Medical Accounting Software technology, and the adoption of Medical Accounting Software across various sectors. 3. Which regions are expected to dominate the Medical Accounting Software market? Answer: Regions such as North America, Europe, and Asia-Pacific are anticipated to lead due to the presence of major industry players and growing investments in Medical Accounting Software. 4. Who are the key players in the Medical Accounting Software market? Answer: Prominent companies in the Medical Accounting Software market include Medical Accounting Software, Medical Accounting Software, and Medical Accounting Software, each contributing to market growth through innovations and strategic partnerships. 5. What challenges does the Medical Accounting Software market face? Answer: The market faces challenges such as Medical Accounting Software, regulatory compliance, and competition from alternative solutions. However, ongoing advancements aim to address these issues. 6. What are the future trends in the Medical Accounting Software market? Emerging trends include the integration of Medical Accounting Software technology, sustainability practices, and digital transformation in processes, all expected to shape the market's future. 7. How can businesses benefit from the Medical Accounting Software market? Answer: Businesses can leverage growth opportunities in the Medical Accounting Software market by adopting new solutions, enhancing operational efficiency, and expanding their offerings to meet evolving consumer demands. 8. Why invest in a Medical Accounting Software market report from MRI? Answer: MRI's report provides in-depth analysis, future projections, and key insights to support strategic decision-making, enabling businesses to stay competitive and capitalize on growth trends in the Medical Accounting Software market. 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We provide advanced analytical research solutions while offering information-enriched research studies. We also offer insights into strategic and growth analyses and data necessary to achieve corporate goals and critical revenue decisions. Our 250 Analysts and SMEs offer a high level of expertise in data collection and governance using industrial techniques to collect and analyze data on more than 25,000 high-impact and niche markets. Our analysts are trained to combine modern data collection techniques, superior research methodology, expertise, and years of collective experience to produce informative and accurate research. Our research spans a multitude of industries including Energy, Technology, Manufacturing and Construction, Chemicals and Materials, Food and Beverages, etc. Having serviced many Fortune 2000 organizations, we bring a rich and reliable experience that covers all kinds of research needs. For inquiries, Contact Us at: Mr. Edwyne Fernandes Market Research Intellect APAC: +61 485 860 968 EU: +44 788 886 6344 US: +1 743 222 5439 This release was published on openPR.Video above: Vanderbilt head coach Clark Lea and players speak ahead of the Birmingham Bowl Georgia Tech knocked off two Top 10 teams while Vanderbilt toppled then-No. 1 Alabama . The two opponents in Friday’s Birmingham Bowl have each taken highly ranked teams into multiple overtimes. They’re also led by mobile quarterbacks who throw few interceptions. There’s a reason that Vandy coach Clark Lea calls the teams “mirror images” of each other, from playing styles to how their seasons went. “We’ve upset some people, they’ve upset some people,” Commodores quarterback Diego Pavia said. “We’ve had close losses. I think it’s a perfect matchup for Vanderbilt.” The Commodores (6-6) are playing in their first bowl game since 2018 and made national headlines with that upset of the Crimson Tide, while pushing then-No. 7 Missouri to double overtime and falling by a field goal to playoff team Texas. “This is a culmination of a special year for us,” Lea said “And there’s been a lot of effort and sacrifice to get this team to this point. It’s also a great opportunity to launch our team into what’s next. The Yellow Jackets (7-5) took another playoff team, in-state rival Georgia, to eight overtimes before falling in the regular-season finale. They do have wins over then-No. 10 Florida State and then-No. 4 Miami. “When you look at a bowl game, you look at the matchup,” Georgia Tech coach Brent Key said. “I believe they got this one right. This will be a good matchup between two very similar football teams in a lot of ways.” The Commodores are playing in their 10th bowl game and seeking their first postseason win since the 2013 victory over Houston, also in Birmingham. It’s bowl No. 47 for the Yellow Jackets but the first time in a decade they have made the postseason in consecutive years. Pavia appears eligible to return for a fifth season of college football based on a federal judge’s ruling, though the NCAA is appealing. “We’ve just got bigger dreams,” Pavia said. “We want to be playing in January come next season.” Lea said he saw Pavia in the hallway after they heard the news and “gave him a kiss on the side of his head, which shows you how excited I was.” “I’m happy for him. I’m happy for our sport, too. I think college football is better when guys like Diego play as long as they possibly can play.” Georgia Tech’s Haynes King has told reporters he will “probably” be back next season. Both teams have quarterbacks who are running threats. King has run for 578 yards and 11 touchdowns. He also could be 90 passing yards from becoming the third FCS player since 1959 with 10 touchdown passes, 2,000 yards and no more than one interception if he avoids a pick in the meantime. Pavia, the Southeastern Conference newcomer of the year, tops all Power 4 quarterbacks with 716 rushing yards and his 2,147 career yards on the ground is also tops among active QBs. He has been intercepted only four times. The Yellow Jackets have lost edge rusher Romello Heights (Texas Tech) and leading receiver Eric Singleton Jr. (Auburn) among their transfer portal departures. But Key thinks his team has the depth to overcome those losses in the bowl game. “You see some of these teams that are in dire straits right now as far as their ability to play a game,” he said. “That’s not the case at all.” Both teams have been among the nation’s best at avoiding turnovers. Vanderbilt has lost only seven turnovers, fewest in the FBS. Georgia Tech has only lost eight turnovers and is tied for second. Stay updated on the latest sports stories with the WVTM 13 app. You can download it here .Ahmedabad: The Enforcement Directorate 's (ED) Ahmedabad zonal office on Tuesday attached bank accounts with a balance of Rs 19 lakh, along with ‘incriminating documents, digital devices, and two vehicles' belonging to Bhavesh Ashokbhai Patel , one of the accused in the deaths of four family members from Dingucha in Gandhinagar on the Canada-US border in Jan 2022. ED's social media account on Tuesday evening mentioned, ‘ED, Ahmedabad conducted search operations on Dec 10, 2024, and Dec 19, 2024, under the provisions of PMLA, 2002, at eight locations in Mumbai, Nagpur, Gandhinagar and Vadodara as part of the ongoing probe in the case of Bhavesh Ashokbhai Patel and others (Dingucha case) for hatching a well-planned conspiracy to send the victims/persons to the USA through Canada via illegal channels, thereby committing the offence of human trafficking .' Local investigators mentioned that Patel was among the three – Yogesh Patel, Bhavesh Patel, and Dashrath Chaudhary – who were reportedly working with Bharat Patel alias Bobby, the primary agent who sent Jagdish Patel and his family to Canada to illegally cross the border into the US. The family of four froze to death in the attempt. The three were arrested by the city crime branch in connection with the case. Stay updated with the latest news on Times of India . 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OTTAWA — Canada appears to be barrelling toward a spring election now that the NDP is vowing to vote down the government early next year — whether Prime Minister Justin Trudeau stays on or not. Political watchers are abuzz over the possible scenarios that could play out in the coming year following that rocked Trudeau’s government, and a springtime national campaign is the one that’s solidifying the fastest. The exact timing is very much up in the air, but the best bet is for the government to fall by late March, and then a general election day would fall in April or May, said Yaroslav Baran, co-founder of the Pendulum Group and former chief of staff to Conservative house leader Jay Hill. “The greatest likelihood would be that the government would fall at some point between late February and late March,” he said, making April or May the “most likely scenario” for the election day. If the government falls on a non-confidence vote, the prime minister would then be obliged to go to Gov. Gen. Mary Simon to inform her and advise her on election timing. The window for a campaign is a minimum of 36 days and a maximum of 50 days, according to Elections Canada. The events in Ottawa of the past week appear to have moved up the political calendar by somewhere around five months, since the sudden resignation of Prime Minister Chrystia Freeland dealt a stunning blow to Trudeau’s grip on the party and has renewed the internal push for him to step down as leader. Trudeau is said to now be reflecting on his future. The prime minister’s office did not respond Monday when asked about his plans for the holidays. NDP Leader Jagmeet Singh has vowed he will help defeat the governing Liberals in a confidence vote when the House returns. The Conservatives, locked firmly ahead in the polls, have been demanding an election all fall, while the Bloc has also recently called for an election early in the new year. Singh could still change his mind and many scenarios remain possible, such as an opposition party negotiating a big-ticket item into the budget then having a fall election as scheduled, but that’s looking less and less tenable. “It no longer makes a whole lot of sense to cut some sort of a deal and be a partner to the government that you’re about to vilify a couple of months later as Public Enemy no. 1,” Baran said. “Obviously, the Liberals no longer enjoy the support of any of the opposition parties. So, the likelihood of a spring election is high — regardless of whether the government prorogues,” said Brittney Kerr, founding partner at Framepoint Public Affairs and former Liberal campaign co-chair in 2019. “It won’t be lost on anyone at the centre (in the Prime Minister’s Office) how complex the political equation is to win, given overwhelming public sentiment in favour of the Conservatives, coupled with the prime minister’s long tenure.” The government can still prorogue, which would hit the stop button on Parliament and put it into a deep winter sleep for as long as several months. That would allow breathing room for a leadership race should Trudeau decide to step down. But Baran said such a move would only take him so far given the opposition parties all now appear ready to go to the polls and parliament has to return before long to approve finances and keep paying public servants — and face the music on those key votes. “If the prime minister prorogues, it allows him to not have to face Parliament on January 27th. So, he can buy some time for planning, for regrouping, et cetera, but it would be really difficult for that prorogation period to last beyond the end of March.” A leadership race would be a hurried affair compared to Liberal party contests in the past. When Trudeau was elected leader in 2013, the race took some six months, though in 1993 the Progressive Conservatives elected Kim Campbell in a contest lasting about three months. Former Privy Council clerk Michael Wernick said proroguing just as Donald Trump is inaugurated as president on Jan. 20 would power down parliament at a bad time — stripping options off the table to respond to possible sudden trade moves that could hurt Canada. “The question is not whether the prime minister can prorogue. It’s whether he should. My sense is that it would be a very bad choice to drop our shields before January 20th. I think we may need Parliament to be around and functional.” The Liberals have been weaving a narrative that an experienced government needs to be in place to deal with an unpredictable Trump, and opposition parties too are positioning that the public should choose a stronger leader than Trudeau to deal with an aggressive Trump White House. Wernick said Canada should look to get its election out of the way sooner in the year rather than later. “The best thing for the country would be to get the election over with as soon as possible and be very clear who Canadians have chosen to lead us,” he said. “The more we prolong this performance theatre and house of cards — who’s got legitimacy, who’s got confidence, who’s the leader, who’s going to be the successor — dragging this out is weakening the country.” Wernick suggested the political parties could, given the high stakes of the Trump presidency, reach a sort of partisan-ceasefire agreement to pass as much legislation as they could in a short few weeks, such as Bill C-65 which would amend the Canada Elections Act, and then have their election-triggering confidence vote. “The Republicans and the Democrats can do negotiations in Washington. Surely our parties can.” .Kroger (KR) Q3 2024 Earnings Call Transcript

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ISLAMABAD (AP) — Pakistani police arrested thousands of Imran Khan supporters ahead of a rally in the capital to demand the ex-premier’s release from prison, a security officer said Sunday. Khan has been behind bars for more than a year and has over 150 criminal cases against him. But he remains popular and his political party, Pakistan Tehreek-e-Insaf or PTI, says the cases are politically motivated. Shahid Nawaz, a security officer in eastern Punjab province, said police have arrested more than 4,000 Khan supporters. They include five parliamentarians. Pakistan has sealed off Islamabad with shipping containers and shut down major roads and highways connecting the city with PTI strongholds in Punjab and northwestern Khyber Pakhtunkhwa provinces. Tit-for-tat teargas shelling between the police and the PTI was reported on the highway bordering Punjab and Khyber Pakhtunkhwa. Earlier on Sunday, Pakistan suspended mobile and internet services “in areas with security concerns.” The government and Interior Ministry posted the announcement on the social media platform X, which is banned in Pakistan. They did not specify the areas, nor did they say how long the suspension would be in place. “Internet and mobile services will continue to operate as usual in the rest of the country,” the posts said. Meanwhile, telecom company Nayatel sent out emails offering customers “a reliable landline service” as a workaround in the areas suffering suspended cellphone service. Khan's supporters rely heavily on social media to demand his release and use messaging platforms like WhatsApp to share information, including details of events. PTI spokesperson Sheikh Waqas Akram said Khan's wife Bushra Bibi was traveling to Islamabad in a convoy led by the chief minister of Khyber Pakhtunkhwa, Ali Amin Gandapur. “She cannot leave the party workers on their own,” said Akram. There was a festive mood in Peshawar, with PTI members dancing, drumming and holding up pictures of Khan as cars set off for Islamabad. The government is imposing social media platform bans and targeting VPN services , according to internet advocacy group Netblocks. On Sunday, the group said live metrics showed problems with WhatsApp that were affecting media sharing on the app. The U.S. Embassy issued a security alert for Americans in the capital, encouraging them to avoid large gatherings and warning that even “peaceful gatherings can turn violent.” Last month, authorities suspended the cellphone service in Islamabad and Rawalpindi to thwart a pro-Khan rally. The shutdown disrupted communications and affected everyday services such as banking, ride-hailing and food delivery. The latest crackdown comes on the eve of a visit by Belarusian President Alexander Lukashenko . Interior Minister Mohsin Naqvi said authorities have sealed off Islamabad's Red Zone, which houses key government buildings and is the destination for Khan's supporters. “Anyone reaching it will be arrested,” Naqvi told a press conference. He said the security measures were in place to protect residents and property, blaming the PTI for inconveniencing people and businesses. He added that protesters were planning to take the same route as the Belarusian delegation, but that the government had headed off this scenario. Naqvi denied cellphone services were suspended and said only mobile data was affected. Associated Press writers Riaz Khan in Peshawar and Asim Tanveer in Multan contributed to this report.

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ORCHARD PARK — Kyle Juszczyk was inches from the goal line. Matt Milano’s arms were wrapped around his waist, but his legs were still pumping. And then Taylor Rapp made a quick right jab at the ball, jarring it from Juszczyk’s grasp as it rolled to Christian Benford’s waiting hands. Juszczyk’s fumble came on the first drive of the second half with the San Francisco 49ers trailing 21-3. But the 49ers moved the ball during the first half, started the second with a 60-yard kickoff return and could sniff the end zone. Instead they came away with nothing and lost 35-10. It wasn’t a turnover, Buffalo Bills defensive coordinator Bobby Babich insists. It was a takeaway and the Bills have created one in every game this season, seemingly always at the right moment. The Bills are second in takeaways (one behind the Pittsburgh Steelers) and 11 of their 24 forced turnovers have come on their side of the field. It might seem like fool’s gold, luck or a dangerous way to play. But in a flukey statistic, the Bills are consistently among the NFL leaders under coach Sean McDermott. In fact, the Bills have 212 takeaways since 2017 and no other team in the league has 200. The Bills have finished in the top-10 in takeaways each year since 2018, finishing in the top-four since 2021. Meanwhile, Buffalo’s 130 interceptions since 2017 are one behind the New England Patriots, while finishing no worse than eighth since McDermott took over. “You get what you emphasize,” Babich said. “... I think what happens is kind of when you walk in this door, that standard is kind of like a cloud just sitting over the top of us of, they know, even in practice, as simple as it is, if we don't take the ball away, we make sure we understand that that's not good enough.” The #Bills won their fifth AFC East championship in a row, while the #Sabres followed three wins with four losses to remain predictably unpredictable. @billhoppe.bsky.social dig into it all. fireside.fm/episode/sMvb... Emphasis or not, it’s up to the players to force turnovers and a large piece of that comes down to the type of players the Bills place in their defense. Both McDermott and general manager Brandon Beane have spoken at length about finding football players with instincts rather than eye-popping workout results. When the Bills can’t draft those players, they find them in free agency or in the draft. Rapp had 10 takeaways in four seasons with the Los Angeles Rams, while cornerback Rasul Douglas had 11 in the 2 1⁄2 seasons with the Green Bay Packers before being traded to the Bills last season. There are some instincts that cannot be taught, but the Bills have been able to develop and strengthen instincts for players who are in the system for a longer period of time. The Bills teach players to be aware of the ball, to not just make a tackle, but swipe at the ball while doing so. In a scenario like Rapp’s forced fumble, the Bills teach players that the first man’s responsibility is to make a tackle and the second man goes for the ball. “I'd say for me, like, as far as, like, my mind being on the ball more often than it was when I was a younger player,” said Bills cornerback Taron Johnson, who has four forced fumbles in the last two seasons after recording four in his first five years combined. “So I'm looking for opportunities, more opportunities to take the ball away than I was when I was younger.” Turnover consistency has been steady despite the Bills slightly tweaking their defensive philosophy in recent years. During McDermott’s first five seasons, the Bills blitzed on more than 30% of passing plays and that number has dropped to 21.5% over the last three seasons, including 17.5% this year under Babich, the third-lowest rate in the league. Early in McDermott’s tenure, the Bills were one of the best teams in the league at disguising coverages, changing what the quarterback was seeing pre-snap compared to when he actually had the ball. They still do their share of disguising, but now the Bills try to attack the quarterback with four rushers and play a soft zone in the secondary until opponents cross midfield. “We always talk about rush and coverage working together,” Bills linebacker Terrel Bernard told GNN Sports. “So we do our part on the back end of disguising the picture or studying routes and understanding concepts that makes them hold it a little bit, which in turn gives the D-line a better chance to get back there and affect them. When that happens, then the ball comes to us.” If the Bills can affect the quarterback with four rushers, not only can they prevent more big plays, but more areas in the secondary are covered. But it’s not a simplistic defense, . Being comfortable with the different communications and disguises takes time. The Bills had the same safety pairing for most of McDermott’s first seven seasons and the system has largely been the same for his entire run. Even without Jordan Poyer and ) the Bills still had plenty of experience on defense. Fifteen players have been with the Bills at least three seasons, with eight having at least four. “The more comfortable you are in the system, the better you can disguise because you know your issues in certain defenses and certain coverages,” said Bills practice squad quarterback Mike White, who played against the Bills for three seasons with the Dolphins and Jets. “But it's interesting. You know what they're going to play, they know you know what they're going to play, but they still do a good job of disguising and get you to just second-guess for a minute.” It’s a brand of defense many teams have adopted in the NFL, which is why rushing yards are up and passing yards are down. The Bills have given up the fewest 30-yard passes (79) and the fewest passes of 50 yards or more (14) since McDermott became coach. “That’s part of our philosophy and who we are,” said Bernard, who has nine takeaways in 26 games as a starter. “I think that standard has just been set since before I got here. So buying into that and believing that and I think everybody on this defense believes in that.” WR Keon Coleman (wrist) and S Taylor Rapp (neck/shoulder) wore red non-contact jerseys and were limited in practice Thursday. ... TE Dalton Kincaid (knee), TE Quintin Morris (shoulder/groin) and WR Curtis Samuel (foot) were also limited.New Orleans (4-8) at New York Giants (2-10) Sunday, 1 p.m. EST, Fox BetMGM NFL Odds: Saints by 5. Against the spread: Saints 5-7; Giants 3-9. Series record: Giants lead 17-15. Last meeting: Saints beat Giants 24-6 on Dec. 17, 2023, in New Orleans. Last week: Saints lost to Rams 21-14; Giants lost to Cowboys 27-20. Saints: overall (12), rush (10), pass (19), scoring (14) Saints defense: overall (30), rush (26), pass (29), scoring (19) Giants offense: overall (T26), rush (15), pass (31), scoring (32) Giants defense: overall (19), rush (29), pass (6), scoring (18) Turnover differential: Saints plus-2; Giants minus-8. Derek Carr. The quarterback completed 23 of 28 for 218 yards, three touchdowns, and no interceptions in the previous meeting and had a 134.8 quarterback rating. Drew Lock. The veteran quarterback is going to make his second straight start with Tommy DeVito (forearm) hurt. He threw for 178 yards and ran for a career-high 57 yards in the loss to the Dallas. He scored on an 8-yard run and had a 28-yard scramble to set up another. He also made mistakes, throwing a pick-6 and losing a fumble on a scramble. Saints offense vs Giants defense. The Giants defense is banged up. DT Dexter Lawrence (elbow) was put on injured reserve Monday and fellow starter Rakeem Nunez-Roches (neck) missed practice earlier in the week. Leading tackler and ILB Bobby Okereke is dealing with a back issue. Saints: Tight end Taysom Hill's knee injury last week will sideline him the rest of the season. Running back Kendre Miller (hamstring) is eligible to come off injured reserve and could return to the lineup Sunday. Guards Cesar Ruiz (concussion) and Nick Saldiveri (knee) have been held out of practice this week. Center Erik McCoy (groin) , who sat out last week's game, returned to practice early this week on a limited basis. Guard Lucas Patrick (calf) has practiced on a limited basis after sitting out the past three games. Tyrann Mathieu (forearm) has returned to full practice this week after sitting out much of the second half of last week's loss to the Los Angeles Rams. Giants: Lawrence and rookie TE Theo Johnson (foot) were placed on injured reserve and probably are out for the season. ... DeVito (forearm) and LT Jermaine Eluemunor (quad) missed the Dallas game but they are making progress this week. DeVito will back up Lock. ... Eluemunor and RT Evan Neal (hip) may be game-time decisions. ... CB Deonte Banks (ribs), Okereke (back) and Nunez-Roches (neck) are unlikely to play. WR Malik Nabers was added to the report Thursday with a nagging groin issue. The Saints have won two of the past three meetings. The Giants are winless in all six games at MetLife Stadium this season. The Saints are 2-1 under interim coach Darren Rizzi, who was born in New Jersey and grew up a Giants fan. ... Carr ranks sixth among qualified passers with a 103.3 rating in 2024. ... WR Marquez Valdes-Scantling has had TD catches in his past three games. ... TE Juwan Johnson had five catches against the Rams. ... DT Bryan Bresee has a career-high 6 1/2 sacks and is looking for his third straight game with a sack. He had two sacks against New York last season. ... DL Chase Young has two sacks and three tackles for loss against the Giants in December. ... LB Demario Davis had 10 tackles and a sack in the previous meeting. ... CB Alontae Taylor is the only player with at least 10 passes defended and five tackles for loss in each of the past two seasons. ... Mathieu needs five tackles for his eighth straight season of at least 50 tackles. ... Giants: RB Tyrone Tracy ranks second among rookies with 619 yards rushing. He has run for four touchdowns. ... WR Malik Nabers has 75 catches for 740 yards. His reception total is the most by a rookie in his first 10 games. .... Wan'Dale Robinson has career-high 63 catches. ... OLB Brian Burns has a career-high eight passes defended and 10 tackles for loss. ... Okereke needs seven tackles for his fourth straight season of 100 or more tackles. ... S Tyler Nubin leads all rookies and ranks fourth among DBs with 93 tackles. ... The Giants have set an NFL record going 11 straight games without an interception. They have one interception this season. The NFL record for fewest in a season is two by the 2018 San Francisco 49ers. The fewest in a season by the Giants was six in 2022. Look for running back Alvin Kamara to have a big game. He has 894 yards rushing on 206 carries and he has caught 59 passes for 450 yards. He has seven touchdowns, six rushing. The 29-year-old has had eight games of at least 100 yards from scrimmage this season and he is third in the league with 1,344 yards from scrimmage. AP NFL: https://apnews.com/hub/nflAfter two long weeks of discussions and negotiations, and despite initial fears that no agreement would be reached, a final effort has led to a consensus among United Nations countries on global initiatives addressing climate action, Minister for the Environment and Energy Miriam Dalli has said, expressing the government's satisfaction with the outcome. Minister Dalli was part of the negotiating team for the final agreement. This agreement signifies a tripling of funding to the most vulnerable countries, enabling them to respond to the impacts of climate change, the government said. From $100 billion annually, this fund has now increased to $300 billion by 2035. Minister Dalli said: "This COP particularly focused on the financing to be provided annually to the most vulnerable countries to address the impacts of climate change. Malta was among the countries insisting that, while more funding is necessary, there should also be more contributors to this fund, which should consist of both public and private sources." Regarding the declaration on the global goal for adaptation, which Minister Miriam Dalli negotiated on behalf of the European Union alongside Austria's minister, an agreement was reached that is considered a common position, the government statement read. "This paves the way for work in the coming months leading to further discussions at next year's climate conference in Brazil. However, on the aspect of mitigation -- initiatives that could genuinely reduce emissions - there was little to no progress," the statement continues. "It is satisfying to have reached a strong agreement on adaptation and global goals to help countries adapt to climate change. However, it was evident that certain countries showed little appetite for initiatives that could truly address mitigation and thus reduce emissions," stated Minister Miriam Dalli. This comes as many countries continue to rely on coal and oil, such as Heavy Fuel Oil, for energy production, the government said. During the climate conference, Malta was represented in various forums and advanced a number of innovative initiatives. These included efforts towards more efficient water production, the development of New Water production, work on innovative financing for environmental projects, initiatives to harness cleaner energy sources from renewable technologies derived from wind and solar power in our seas, ongoing work on the development of climate vulnerability indices, and progress following the establishment of the Climate Action Authority.