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2025-01-23
panaloko legit or not
panaloko legit or not Former US president Jimmy Carter dies aged 100



The Pittsburgh Steelers' offense was dormant until the fourth quarter of their win over the Cleveland Browns. Until they scored a touchdown in the fourth quarter, it had been seven quarters since the Steelers scored a touchdown. For the team, that is just about rock bottom, even if they sustained drives and have continued to sustain drives at a much higher clip this year than last season. The last time that Pittsburgh did not score a touchdown for over seven quarters was in 2018 and 2019 to round out that season. Between the end of their 2018 season and the start of their 2019 season, it took them over six quarters to get the ball into the end zone. During that stretch, Matt McCrane and Chris Boswell hit field goals. Pittsburgh would take until the next week to scratch that trend against the Seattle Seahawks. The Steelers waited over 100 minutes before scoring two touchdowns in just over a minute of game time in the fourth quarter against the Browns. They will have to hope that sparks them to wins, especially as the schedule gets even more daunting throughout the rest of the season. BETTING: Check out our guide to the best PA sportsbooks , where our team of sports betting experts has reviewed the experience, payout speed, parlay options and quality of odds for multiple sportsbooks. More Pittsburgh Steelers News NFL admits referees made correct call on controversial ruling in Steelers' loss to Browns Browns social media account takes shot at T.J. Watt after Steelers loss Pittsburgh Steelers' Justin Fields package has cloudy future in offense Super Bowl Champion rips Steelers’ Justin Fields package: ‘I don’t like it’ Former Pittsburgh Steelers first-round pick gets revenge in Browns winReport: Pittsburgh Steelers expect to play regular season Ireland game in 2025

BOSTON — Forty years ago, Heisman Trophy winner Doug Flutie rolled to his right and threw a pass that has become one of college football’s most iconic moments. With Boston College trailing defending champion Miami, Flutie threw the Hail Mary and found receiver Gerard Phalen, who made the grab while falling into the end zone behind a pair of defenders for a game-winning 48-yard TD. Flutie and many of his 1984 teammates were honored on the field during BC’s 41-21 victory over North Carolina before the second quarter on Saturday afternoon, the anniversary of the Eagles’ Miracle in Miami. “There’s no way its been 40 years,” Flutie told The Associated Press on the sideline a few minutes before he walked out with some of his former teammates to be recognized after a video of The Play was shown on the scoreboards. A statue commemorating Doug Flutie's famed "Hail Mary" pass during a game against Miami on Nov. 23, 1994, sits outside Alumni Stadium at Boston College. Famous football plays often attain a legendary status with religious names like the "Immaculate Reception," the "Hail Mary" pass and the Holy Roller fumble. Michael Dwyer, AP File It’s a moment and highlight that’s not only played throughout decades of BC students and fans, but around the college football world. “What is really so humbling is that the kids 40 years later are wearing 22 jerseys, still,” Flutie said of his old number. “That amazes me.” That game was played on national TV the Friday after Thanksgiving. The ironic thing is it was originally scheduled for earlier in the season before CBS paid Rutgers to move its game against Miami, thus setting up the BC-Miami post-holiday matchup. Boston College quarterback Doug Flutie rejoices in his brother Darren's arms after B.C. defeats Miami with a last second touchdown pass on Nov. 23, 1984, in Miami. File Photo “It shows you how random some things are, that the game was moved,” Flutie said. “The game got moved to the Friday after Thanksgiving, which was the most watched game of the year. We both end up being nationally ranked and up there. All those things lent to how big the game itself was, and made the pass and the catch that much more relevant and remembered because so many people were watching.” There’s a statue of Flutie winding up to make The Pass outside the north gates at Alumni Stadium. Fans and visitors can often be seen taking photos there. “In casual conversation, it comes up every day,” Flutie said, when asked how many times people bring it up. “It brings a smile to my face every time we talk about it.” A week after the game-ending Flutie pass, the Eagles beat Holy Cross and before he flew off to New York to accept the Heisman. They went on to win the 49th Cotton Bowl on New Year’s Day. Boston College quarterback Doug Flutie evades Miami defensive tackle Kevin Fagan during the first quarter of a game on Nov. 23, 1984, in Miami, Fla. JOE SKIPPER, AP File “Forty years seem almost like incomprehensible,” said Phalen, also standing on the sideline a few minutes after the game started. “I always say to Doug: ‘Thank God for social media. It’s kept it alive for us.”’ Earlier this week, current BC coach Bill O’Brien, 55, was asked if he remembered where he was 40 years ago. “We were eating Thanksgiving leftovers in my family room,” he said. “My mom was saying a Rosary in the kitchen because she didn’t like Miami and wanted BC to win. My dad, my brother and I were watching the game. “It was unbelievable,” he said. “Everybody remembers where they were for the Hail Mary, Flutie pass.” Mike Tyson, left, slaps Jake Paul during a weigh-in ahead of their heavyweight bout, Thursday, Nov. 14, 2024, in Irving, Texas. (AP Photo/Julio Cortez) Julio Cortez In this image taken with a slow shutter speed, Spain's tennis player Rafael Nadal serves during a training session at the Martin Carpena Sports Hall, in Malaga, southern Spain, on Friday, Nov. 15, 2024. (AP Photo/Manu Fernandez) Manu Fernandez A fan takes a picture of the moon prior to a qualifying soccer match for the FIFA World Cup 2026 between Uruguay and Colombia in Montevideo, Uruguay, Friday, Nov. 15, 2024. (AP Photo/Santiago Mazzarovich) Santiago Mazzarovich Rasmus Højgaard of Denmark reacts after missing a shot on the 18th hole in the final round of World Tour Golf Championship in Dubai, United Arab Emirates, Sunday, Nov. 17, 2024. (AP Photo/Altaf Qadri) Altaf Qadri Taylor Fritz of the United States reacts during the final match of the ATP World Tour Finals against Italy's Jannik Sinner at the Inalpi Arena, in Turin, Italy, Sunday, Nov. 17, 2024. (AP Photo/Antonio Calanni) Antonio Calanni Dallas Cowboys wide receiver Jalen Tolbert (1) fails to pull in a pass against Atlanta Falcons cornerback Dee Alford (20) during the second half of an NFL football game, Sunday, Nov. 3, 2024, in Atlanta. (AP Photo/ Brynn Anderson) Brynn Anderson Green Bay Packers quarterback Jordan Love, top right, scores a touchdown during the second half of an NFL football game against the Chicago Bears in Chicago, Sunday, Nov. 17, 2024. (AP Photo/Nam Y. Huh) Nam Y. Huh India's Tilak Varma jumps in the air as he celebrates after scoring a century during the third T20 International cricket match between South Africa and India, at Centurion Park in Centurion, South Africa, Wednesday, Nov. 13, 2024. (AP Photo/Themba Hadebe) Themba Hadebe Columbus Blue Jackets defenseman Zach Werenski warms up before facing the Seattle Kraken in an NHL hockey game Tuesday, Nov. 12, 2024, in Seattle. (AP Photo/Lindsey Wasson) Lindsey Wasson Kansas State players run onto the field before an NCAA college football game against Arizona State Saturday, Nov. 16, 2024, in Manhattan, Kan. (AP Photo/Charlie Riedel) Charlie Riedel A fan rapped in an Uruguay flag arrives to the stands for a qualifying soccer match against Colombia for the FIFA World Cup 2026 in Montevideo, Uruguay, Friday, Nov. 15, 2024. (AP Photo/Matilde Campodonico) Matilde Campodonico People practice folding a giant United States flag before an NFL football game between the Buffalo Bills and the Kansas City Chiefs, Sunday, Nov. 17, 2024, in Orchard Park, N.Y. (AP Photo/Julia Demaree Nikhinson) Julia Demaree Nikhinson Brazil's Marquinhos attempts to stop the sprinklers that were turned on during a FIFA World Cup 2026 qualifying soccer match against Venezuela at Monumental stadium in Maturin, Venezuela, Thursday, Nov. 14, 2024. (AP Photo/Ariana Cubillos) Ariana Cubillos Georgia's Georges Mikautadze celebrates after scoring his side's first goal during the UEFA Nations League, group B1 soccer match between Georgia and Ukraine at the AdjaraBet Arena in Batumi, Georgia, Saturday, Nov. 16, 2024. (AP Photo/Tamuna Kulumbegashvili) Tamuna Kulumbegashvili Dallas Stars center Mavrik Bourque, right, attempts to score while Minnesota Wild right wing Ryan Hartman (38) and Wild goaltender Filip Gustavsson (32) keep the puck out of the net during the second period of an NHL hockey game, Saturday, Nov. 16, 2024, in St. Paul, Minn. (AP Photo/Ellen Schmidt) Ellen Schmidt Mike Tyson, left, fights Jake Paul during their heavyweight boxing match, Friday, Nov. 15, 2024, in Arlington, Texas. (AP Photo/Julio Cortez) Julio Cortez Italy goalkeeper Guglielmo Vicario misses the third goal during the Nations League soccer match between Italy and France, at the San Siro stadium in Milan, Italy, Sunday, Nov. 17, 2024. (AP Photo/Luca Bruno) Luca Bruno Cincinnati Bengals tight end Mike Gesicki (88) celebrates after scoring a touchdown against the Las Vegas Raiders during the second half of an NFL football game in Cincinnati, Sunday, Nov. 3, 2024. (AP Photo/Carolyn Kaster) Carolyn Kaster President-elect Donald Trump attends UFC 309 at Madison Square Garden, Saturday, Nov. 16, 2024, in New York. (AP Photo/Evan Vucci) Evan Vucci Fans argue in stands during the UEFA Nations League soccer match between France and Israel at the Stade de France stadium in Saint-Denis, outside Paris, Thursday Nov. 14, 2024. (AP Photo/Thibault Camus) Thibault Camus Slovakia's Rebecca Sramkova hits a return against Danielle Collins, of the United States, during a tennis match at the Billie Jean King Cup Finals at the Martin Carpena Sports Hall, Thursday, Nov. 14, 2024, in Malaga, southern Spain. (AP Photo/Manu Fernandez) Manu Fernandez St. John's guard RJ Luis Jr. (12) falls after driving to the basket during the second half of an NCAA college basketball game against New Mexico, Sunday, Nov. 17, 2024, in New York. (AP Photo/Pamela Smith) Pamela Smith England's Anthony Gordon celebrates after scoring his side's second goal during the UEFA Nations League soccer match between England and the Republic of Ireland at Wembley stadium in London, Sunday, Nov. 17, 2024. (AP Photo/Kin Cheung) Kin Cheung Katie Taylor, left, lands a right to Amanda Serrano during their undisputed super lightweight title bout, Friday, Nov. 15, 2024, in Arlington, Texas. (AP Photo/Julio Cortez) Julio Cortez Las Vegas Raiders wide receiver DJ Turner, right, tackles Miami Dolphins wide receiver Malik Washington, left, on a punt return during the second half of an NFL football game, Sunday, Nov. 17, 2024, in Miami Gardens, Fla. (AP Photo/Lynne Sladky) Lynne Sladky UConn's Paige Bueckers (5) battles North Carolina's Laila Hull, right, for a loose ball during the second half of an NCAA college basketball game in Greensboro, N.C., Friday, Nov. 15, 2024. (AP Photo/Ben McKeown) Ben McKeownAussie woman exposes brutal reality of her work from home job READ MORE: Eye doctor creates mascara to combat a painful issue thousands face - as she reveals the makeup mistakes that can lead to permanent vision loss By HARRISON CHRISTIAN FOR DAILY MAIL AUSTRALIA Published: 20:42 GMT, 10 December 2024 | Updated: 20:49 GMT, 10 December 2024 e-mail View comments Many Aussies dream of working from home - but one Gold Coast woman's remote job has left her with an eye disease normally associated with the elderly. Madison Brinkworth, 27, is one of an increasing number of young people with dry eye disease. Health practitioners attribute the cause to excessive screen time, with Ms Brinkworth, a digital marketer, spending over eight hours a day working on her laptop while working from home. 'I find it hard to pull myself away from a screen,' Ms Brinkworth told Daily Mail Australia. 'I can't get around working eight hours a day on my laptop, so it's kind of inevitable. 'I try to give myself breaks through the day. 'I usually find my wind-down time is scrolling TikTok or Instagram . So it's really hard to limit screen time or put any steps in place.' In 2023, Ms Brinkworth reached the point that her eyes were constantly swollen and itchy, and an optometrist diagnosed her with dry eye disease. Madison Brinkworth, 27, is one of an increasing number of young people with dry eye disease She underwent a treatment that uses bipolar radiofrequency to target the meibomian glands, the part of the eye responsible for normal oil production. It is a non-invasive treatment for dry eyes that stimulates the glands to improve tear film quality and alleviate symptoms. Post-treatment, she has had to follow a daily 'regime' to prevent the condition from coming back, including cleaning foam, supplements, antibacterial spray, eye drops and hot compresses. 'The doctor was saying she sees cases where there's really no turning back. The eyes are weeping with pus.' Gold Coast optometrist Shaina Zheng said she has seen a 20 per cent increase in patients under 30 with dry eye disease attending her clinic over the past 12 months. Some have been as young as 11, Dr Zheng said. 'Parents are coming in with teenage children, and some even pre-teen, who have been struggling with symptoms including watery eyes, accompanied by a stinging or burning sensation. 'When patients are experiencing symptoms that young, I always recommend a blood test to make sure there is no underlying condition and when those tests come back clear, it’s hard to go past screen time as the cause of the condition. 'Unfortunately time spent on screens is only increasing and parents tell me they find that difficult to control.' In 2023, Ms Brinkworth reached the point that her eyes were constantly swollen and itchy Read More Surgeon: The five health 'red flags' your eyes are giving you - and the huge mistakes that can lead to vision loss and cancer Dry eye disease is a condition where the eyes stop producing enough tears, leading to discomfort, redness and vision problems. A recent study in the Indian Journal of Opthamology found children spending more than 3-3.5 hours a day on screens have a significantly higher risk of developing the disease. 'We blink less when looking at computers, phones and tablets, and when we do blink while looking at screens often our eyes don’t fully close, meaning less lubrication over the eye,' said Dr Zheng. The optometrist said eye drops were only a band-aid solution to the problem and the new bipolar radiofrequency technology that she offers at her Eyecare Plus Mermaid Beach clinic is a longer-term fix. TikTok Gold Coast Instagram Share or comment on this article: Aussie woman exposes brutal reality of her work from home job e-mail Add commentUnrivaled signs LSU star Flau'jae Johnson to NIL deal

Memphis: The New AI Frontier? Major Tech Giants Dive InNEW YORK — No ex-president had a more prolific and diverse publishing career than Jimmy Carter . His more than two dozen books included nonfiction, poetry, fiction, religious meditations and a children’s story. His memoir “An Hour Before Daylight” was a Pulitzer Prize finalist in 2002, while his 2006 best-seller “Palestine: Peace Not Apartheid” stirred a fierce debate by likening Israel’s policies in the West Bank to the brutal South African system of racial segregation. And just before his 100th birthday, the Dayton Literary Peace Prize Foundation honored him with a lifetime achievement award for how he wielded "the power of the written word to foster peace, social justice, and global understanding.” In one recent work, “A Full Life,” Carter observed that he “enjoyed writing” and that his books “provided a much-needed source of income.” But some projects were easier than others. “Everything to Gain,” a 1987 collaboration with his wife, Rosalynn, turned into the “worst threat we ever experienced in our marriage,” an intractable standoff for the facilitator of the Camp David accords and winner of the Nobel Peace Prize. According to Carter, Rosalynn was a meticulous author who considered “the resulting sentences as though they have come down from Mount Sinai, carved into stone.” Their memories differed on various events and they fell into “constant arguments.” They were ready to abandon the book and return the advance, until their editor persuaded them to simply divide any disputed passages between them. “In the book, each of these paragraphs is identified by a ‘J’ or an ‘R,’ and our marriage survived,” he wrote. Here is a partial list of books by Carter: “Keeping Faith: Memoirs of a President” “The Blood of Abraham: Insights into the Middle East” (With Rosalynn Carter) “Everything to Gain: Making the Most of the Rest of Your Life” “An Outdoor Journal: Adventures and Reflections” “Turning Point: A Candidate, a State, and a Nation Come of Age” “Always a Reckoning, and Other Poems” (With daughter Amy Carter) “The Little Baby Snoogle-Fleejer” “Living Faith” “The Virtues of Aging” “An Hour Before Daylight: Memories of a Rural Boyhood” “Christmas in Plains: Memories” “The Hornet’s Nest: A Novel of the Revolutionary War” “Our Endangered Values: America’s Moral Crisis” “Faith & Freedom: The Christian Challenge for the World” “Palestine: Peace Not Apartheid” “A Remarkable Mother” “Beyond the White House” “We Can Have Peace in the Holy Land: A Plan That Will Work” “White House Diary” “NIV Lessons from Life Bible: Personal Reflections with Jimmy Carter” “A Call to Action: Women, Religion, Violence, and Power” “A Full Life: Reflections at Ninety”

Players must be assigned female at birth or have transitioned to female before going through male puberty to compete in LPGA tournaments or the eight USGA championships for females under new gender policies published Wednesday. The policies, which begin in 2025, follow more than a year of study involving medicine, science, sport physiology and gender policy law. The updated policies would rule out eligibility for Hailey Davidson, who missed qualifying for the U.S. Women's Open this year by one shot and came up short in LPGA Q-school. Davidson, who turned 32 on Tuesday, began hormone treatments when she was in her early 20s in 2015 and in 2021 underwent gender-affirming surgery, which was required under the LPGA's previous gender policy. She had won this year on a Florida mini-tour called NXXT Golf until the circuit announced in March that players had to be assigned female at birth. “Can't say I didn't see this coming,” Davidson wrote Wednesday on an Instagram story. “Banned from the Epson and the LPGA. All the silence and people wanting to stay ‘neutral’ thanks for absolutely nothing. This happened because of all your silence.” LPGA commissioner Mollie Marcoux Samaan, who is resigning in January, said the new gender policy "is reflective of an extensive, science-based and inclusive approach." By making it to the second stage of Q-school, Davidson would have had very limited status on the Epson Tour, the pathway to the LPGA. The LPGA and USGA say their policies were geared toward being inclusive of gender identities and expression while striving for equity in competition. The LPGA said its working group of experts advised that the effects of male puberty allowed for competitive advantages in golf compared with players who had not gone through puberty. “Our policy is reflective of an extensive, science-based and inclusive approach,” said LPGA Commissioner Mollie Marcoux Samaan, who announced Monday that she is resigning in January. "The policy represents our continued commitment to ensuring that all feel welcome within our organization, while preserving the fairness and competitive equity of our elite competitions.” Mike Whan, the former LPGA commissioner and now CEO of the USGA, said it developed the updated policy independently and later discovered it was similar to those used by swimming, track and field, and other sports. United States Golf Association CEO Mike Whan said the new policy will prevent anyone from having "a competitive advantage based on their gender." “It starts with competitive fairness as the North star,” Whan said in a telephone interview. “We tried not to get into politics, or state by state or any of that stuff. We just simply said, ‘Where would somebody — at least medically today — where do we believe somebody would have a competitive advantage in the field?’ And we needed to draw a line. “We needed to be able to walk into any women's event and say with confidence that nobody here has a competitive advantage based on their gender. And this policy delivers that.” The “Competitive Fairness Gender Policy” for the USGA takes effect for the 2025 championship season that starts with the U.S. Women's Amateur Four-Ball on May 10-14. Qualifying began late this year, though there were no transgender players who took part. “Will that change in the years to come as medicine changes? Probably,” Whan said. “But I think today this stacks up.” The LPGA “Gender Policy for Competition Eligibility” would apply to the LPGA Tour, Epson Tour, Ladies European Tour and qualifying for the tours. Players assigned male at birth must prove they have not experienced any part of puberty beyond the first stage or after age 12, whichever comes first, and then meet limitation standards for testosterone levels. The LPGA begins its 75th season on Jan. 30 with the Tournament of Champions in Orlando, Florida. Buffalo Bills quarterback Josh Allen, foreground right, dives toward the end zone to score past San Francisco 49ers defensive end Robert Beal Jr. (51) and linebacker Dee Winters during the second half of an NFL football game in Orchard Park, N.Y., Sunday, Dec. 1, 2024. (AP Photo/Adrian Kraus) Houston Rockets guard Jalen Green goes up for a dunk during the second half of an Emirates NBA cup basketball game against the Minnesota Timberwolves, Tuesday, Nov. 26, 2024, in Minneapolis. (AP Photo/Abbie Parr) South Carolina guard Maddy McDaniel (1) drives to the basket against UCLA forward Janiah Barker (0) and center Lauren Betts (51) during the first half of an NCAA college basketball game, Sunday, Nov. 24, 2024, in Los Angeles. (AP Photo/Eric Thayer) Mari Fukada of Japan falls as she competes in the women's Snowboard Big Air qualifying round during the FIS Snowboard & Freeski World Cup 2024 at the Shougang Park in Beijing, Saturday, Nov. 30, 2024. (AP Photo/Andy Wong) LSU punter Peyton Todd (38) kneels in prayer before an NCAA college football game against Oklahoma in Baton Rouge, La., Saturday, Nov. 30, 2024. LSU won 37-17. (AP Photo/Gerald Herbert) South Africa's captain Temba Bavuma misses a catch during the fourth day of the first Test cricket match between South Africa and Sri Lanka, at Kingsmead stadium in Durban, South Africa, Saturday, Nov. 30, 2024. (AP Photo/Themba Hadebe) Philadelphia Eagles running back Saquon Barkley, left, is hit by Baltimore Ravens cornerback Marlon Humphrey, center, as Eagles wide receiver Parris Campbell (80) looks on during a touchdown run by Barkley in the second half of an NFL football game, Sunday, Dec. 1, 2024, in Baltimore. (AP Photo/Stephanie Scarbrough) Los Angeles Kings left wing Warren Foegele, left, trips San Jose Sharks center Macklin Celebrini, center, during the third period of an NHL hockey game Monday, Nov. 25, 2024, in San Jose, Calif. (AP Photo/Godofredo A. Vásquez) Olympiacos' Francisco Ortega, right, challenges for the ball with FCSB's David Miculescu during the Europa League league phase soccer match between FCSB and Olympiacos at the National Arena stadium, in Bucharest, Romania, Thursday, Nov. 28, 2024. (AP Photo/Andreea Alexandru) Seattle Kraken fans react after a goal by center Matty Beniers against the San Jose Sharks was disallowed due to goaltender interference during the third period of an NHL hockey game Saturday, Nov. 30, 2024, in Seattle. The Sharks won 4-2. (AP Photo/Lindsey Wasson) New York Islanders left wing Anders Lee (27), center, fight for the puck with Boston Bruins defensemen Parker Wotherspoon (29), left, and Brandon Carlo (25), right during the second period of an NHL hockey game, Wednesday, Nov. 27, 2024, in Elmont, N.Y. (AP Photo/Julia Demaree Nikhinson) Jiyai Shin of Korea watches her shot on the 10th hole during the final round of the Australian Open golf championship at the Kingston Heath Golf Club in Melbourne, Australia, Sunday, Dec. 1, 2024. (AP Photo/Asanka Brendon Ratnayake) Lara Gut-Behrami, of Switzerland, competes during a women's World Cup giant slalom skiing race, Saturday, Nov. 30, 2024, in Killington, Vt. (AP Photo/Robert F. Bukaty) New York Islanders goaltender Ilya Sorokin cools off during first period of an NHL hockey game against the Boston Bruins, Wednesday, Nov. 27, 2024, in Elmont, N.Y. (AP Photo/Julia Demaree Nikhinson) Brazil's Amanda Gutierres, second right, is congratulated by teammate Yasmin, right, after scoring her team's first goal during a soccer international between Brazil and Australia in Brisbane, Australia, Thursday, Nov. 28, 2024. (AP Photo/Pat Hoelscher) Luiz Henrique of Brazil's Botafogo, right. is fouled by goalkeeper Everson of Brazil's Atletico Mineiro inside the penalty area during a Copa Libertadores final soccer match at Monumental stadium in Buenos Aires, Argentina, Saturday, Nov. 30, 2024. (AP Photo/Natacha Pisarenko) England's Alessia Russo, left, and United States' Naomi Girma challenge for the ball during the International friendly women soccer match between England and United States at Wembley stadium in London, Saturday, Nov. 30, 2024. (AP Photo/Kirsty Wigglesworth) Minnesota Vikings running back Aaron Jones (33) reaches for an incomplete pass ahead of Arizona Cardinals linebacker Mack Wilson Sr. (2) during the second half of an NFL football game Sunday, Dec. 1, 2024, in Minneapolis. (AP Photo/Abbie Parr) Melanie Meillard, center, of Switzerland, competes during the second run in a women's World Cup slalom skiing race, Sunday, Dec. 1, 2024, in Killington, Vt. (AP Photo/Robert F. Bukaty) Sent weekly directly to your inbox!Are These the 7 Best Altcoins to Join for 2025? Discover What’s Shaping the Future of Crypto

Leeds make most of Wilfried Gnonto’s stroke of luck to go top of table

Oregon's Gabriel, Colorado's Hunter, Boise State’s Jeanty, Miami's Ward are named Heisman finalistsFlagstar (NYCB): Solvency Assured, Still Valued As If It's An IssueShare Tweet Share Share Email Home equity loans have long been a popular way for homeowners to access funds for various purposes, including smart investments. With the right approach, these loans can be leveraged to improve your financial situation and increase your wealth over time. What is a Home Equity Loan? A home equity loan is a type of loan where homeowners borrow money using the equity in their home as collateral. Equity is the difference between the market value of your home and the amount you still owe on your mortgage. Home equity loans provide a lump sum of money that you pay back with fixed monthly payments, usually over 5 to 30 years . For example, if your home is worth $300,000 and you owe $150,000 on your mortgage, your equity is $150,000. This means you could potentially borrow up to that amount, depending on the lender’s policies. These loans are often used for large expenses such as home renovations, debt consolidation, or medical bills. However, with a smart investment strategy, you can use a home equity loan to fund investments that could significantly grow your wealth. How Do Home Equity Loans Work? Understanding how home equity loans work is critical to making informed decisions about using them for investment purposes. Fixed vs. Variable Rates Home equity loans typically offer fixed interest rates, meaning your monthly payments remain the same throughout the loan term. This provides predictability and stability, making it easier to plan your finances. Some platforms may offer variable rates, where the interest rate fluctuates based on market conditions. While variable rates can be lower initially, they come with the risk of increasing costs if interest rates rise. Loan Amount and Terms The amount you can borrow is determined by the equity in your home and the lender’s guidelines. Generally, lenders allow you to borrow up to 80% to 85% of your home’s value. The terms for repayment vary depending on the loan amount and the lender’s policies. It is important to carefully assess the loan terms to ensure they fit with your long-term financial goals. Closing Costs and Fees Most home equity loans come with closing costs and other fees, which can include application fees, appraisal fees, and title search fees. Make sure to factor these costs into your decision-making process, as they can add up quickly and impact the overall affordability of the loan. Smart Investment Strategies Using Home Equity Loans Leveraging a home equity loan for smart investments requires careful consideration and planning. The goal is to use the loan to generate returns that exceed the cost of the loan itself, including interest, fees, and principal repayment. Real Estate Investment One of the most popular and effective ways to use a home equity loan is for real estate investment. By purchasing additional properties, you can generate rental income or benefit from property appreciation over time. Real estate investments can provide stable cash flow through rental income and long-term capital gains if property values rise. However, it is important to research the real estate market and ensure the investment property is in a desirable location to maximize its potential return. Additionally, consider the costs involved in managing and maintaining the property. Stock Market Investments Another common way to use a home equity loan is by investing in the stock market. With the potential for higher returns compared to other investment vehicles, the stock market offers various opportunities, including individual stocks, mutual funds, or exchange-traded funds (ETFs). While investing in the stock market can yield substantial profits, it also comes with increased risk. It’s important to have a diversified investment portfolio and avoid putting all your money into high-risk stocks. Additionally, be sure to have a clear understanding of your risk tolerance and time horizon before investing borrowed funds. Starting or Expanding a Business If you have a business idea or want to expand an existing business, a home equity loan can provide the necessary capital to get started. By using your home as collateral, you can access a lump sum to fund business operations, marketing campaigns, or expansion efforts. When using home equity loans for business purposes, it is essential to have a well-thought-out business plan and strategy. Ensure that the business has a high potential for growth and profitability, as you’ll need to repay the loan regardless of how the business performs. Moreover, small businesses often face challenges and competition, so it’s important to be prepared for potential setbacks. Education and Skill Development Investing in education can be a highly beneficial way to use a home equity loan. Whether you’re pursuing higher education, attending a professional development program, or obtaining certifications to advance your career, borrowing against your home’s equity can provide the funds needed to enhance your skills and qualifications. Higher education often leads to better job opportunities, higher salaries, and greater job security, making it a smart long-term investment. Be sure to weigh the cost of education against the potential return on investment in terms of increased earning power . Choosing the Right Home Equity Loan Platform With a variety of lenders and platforms offering home equity loans, it’s essential to choose the right one for your investment needs. Here are some key factors to consider when selecting a platform: Interest Rates and Fees Interest rates and fees vary from platform to platform, so it’s important to compare options to ensure you’re getting the best deal. While a lower interest rate can reduce your overall cost, be sure to account for any hidden fees that could increase the total cost of the loan. Loan Flexibility Some platforms offer flexible terms, such as allowing you to borrow up to 90% of your home’s equity or providing options for early repayment without penalties. Flexibility is especially important if your investment plans may change over time. Customer Support and Service Look for platforms that offer excellent customer service, as you may need support throughout the loan process. A responsive customer service team can help resolve issues and answer questions about loan terms, payments, and investment options. Online Tools and Resources Many modern home equity loan platforms offer online tools and resources to help you assess your loan options. These tools can help you calculate monthly payments, determine your loan eligibility, and evaluate your overall financial situation. A platform with intuitive online tools can simplify the loan application process and make it easier to manage your loan once it’s approved. Risks and Considerations While home equity loans offer great potential for making smart investments, there are risks involved that you should consider before borrowing. Since the loan is secured by your home, failing to repay the loan could result in foreclosure. It’s crucial to have a clear repayment plan in place and ensure that you’re not taking on more debt than you can handle. Additionally, some investments may not perform as expected, which can lead to financial losses. Always carefully evaluate investment opportunities and assess your risk tolerance before proceeding. Conclusion Home equity loans offer a powerful tool for homeowners looking to make smart investments. By leveraging the equity in your home, you can fund a variety of investments, including real estate, the stock market, business ventures, or education. However, it’s essential to carefully choose the right platform, understand the terms of the loan, and have a solid plan for repayment. With careful planning and smart investment strategies, home equity loans can help you achieve your financial goals and make equity work for you in a meaningful way. Related Items: Home Equity Loan , Making Equity Work for You , Platforms for Smart Investments Share Tweet Share Share Email Recommended for you Documents You’ll Need to Apply for a Home Equity Loan Comments

Oklahoma State picks up transfer portal commitment from TCU quarterback

‘World at dawn of third nuclear age’, armed forces chief warnsBOSTON--(BUSINESS WIRE)--Dec 10, 2024-- Skillsoft Corp. (NYSE: SKIL) (“Skillsoft” or the “Company”), a leading platform for transformative learning experiences, today announced its financial results for the third quarter of fiscal 2025 ended October 31, 2024. Fiscal 2025 Third Quarter Select Metrics and Financials from Continuing Operations (1)(2) “Our fiscal third quarter financial results demonstrate our first step in executing our transformation strategy,” said Ron Hovsepian, Skillsoft’s Executive Chair and Chief Executive Officer. “The operationalization of our strategy is showing the first signs of business and financial improvement for our shareholders and customers.” Fiscal 2025 Third Quarter Business Highlights “I am pleased with our financial results for the quarter, which are highlighted by strong revenue execution, improved profitability, and positive free cash flow,” said Rich Walker, Skillsoft’s Chief Financial Officer. “Our third quarter performance, coupled with momentum from our transformation execution, gives us confidence to raise and tighten our FY25 revenue guidance range, while reaffirming our adjusted EBITDA outlook.” Full-Year Fiscal 2025 Financial Outlook (2) The following table reflects Skillsoft’s updated financial outlook for the fiscal year ending January 31, 2025, based on current market conditions, expectations, and assumptions: GAAP Revenue $520 million – $530 million Adjusted EBITDA $105 million – $110 million (1) Growth calculated relative to the comparable prior year period unless otherwise noted. (2) See “Non-GAAP Financial Measures and Key Performance Metrics” below for the definitions of our key operational and non-GAAP metrics and how they are calculated and more information regarding the fact that the Company is unable to reconcile forward-looking non-GAAP measures without unreasonable efforts. We have provided at the back of this release reconciliations of our historical non-GAAP financial measures to the comparable GAAP measures. Webcast and Conference Call Information Skillsoft will host a conference call and webcast today at 5:00 p.m. Eastern Time to discuss its financial results. To access the call, dial (877) 413‐9278 from the United States and Canada or (215) 268‐9914 from international locations. The live event can be accessed from the Investor Relations section of Skillsoft’s website at investor.skillsoft.com . A replay will be available for six months. About Skillsoft Skillsoft delivers transformative learning experiences that propel organizations and people to grow together. The Company partners with enterprise organizations and serves a global community of learners to prepare today’s employees for tomorrow’s economy. With Skillsoft, customers gain access to blended, multimodal learning experiences that do more than build skills, they grow a more capable, adaptive, and engaged workforce. Through a portfolio of high-quality content, an AI-enabled platform that is personalized and connected to customer needs, and a broad ecosystem of partners, Skillsoft drives continuous growth and performance for employees and their organizations by overcoming critical skills gaps, unlocking human potential, and transforming the workforce. Learn more at www.skillsoft.com . Non-GAAP Financial Measures and Key Performance Metrics The Company has organized its business into two segments (or Business Units): Talent Development Solutions (formerly referred to as Content & Platform) and Global Knowledge (formerly referred to as Instructor-Led Training). We track the non-GAAP financial measures and key performance metrics that we believe are key financial measures of our success. Non-GAAP measures and key performance metrics are frequently used by securities analysts, investors, and other interested parties in their evaluation of companies comparable to us, many of which present non-GAAP measures and key performance metrics when reporting their results. These measures can be useful in evaluating our performance against our peer companies because we believe the measures provide users with valuable insight into key components of U.S. GAAP financial disclosures. For example, a company with higher U.S. GAAP net income may not be as appealing to investors if its net income is more heavily comprised of gains on asset sales. Likewise, excluding the effects of interest income and expense moderates the impact of a company’s capital structure on its performance. However, non-GAAP measures and key performance metrics have limitations as analytical tools. Because not all companies use identical calculations, our presentation of non-GAAP financial measures and key performance metrics may not be comparable to other similarly titled measures of other companies. They are not presentations made in accordance with U.S. GAAP, are not measures of financial condition or liquidity, and should not be considered as an alternative to profit or loss for the period determined in accordance with U.S. GAAP or operating cash flows determined in accordance with U.S. GAAP. As a result, these performance measures should not be considered in isolation from, or as a substitute analysis for, results of operations as determined in accordance with U.S. GAAP. We have provided at the back of this press release reconciliations of our historical non-GAAP financial measures to the comparable GAAP measures. We do not reconcile our forward-looking non-GAAP financial measures to the corresponding U.S. GAAP measures, due to variability and difficulty in making accurate forecasts and projections and/or certain information not being ascertainable or accessible; and because not all of the information necessary for a quantitative reconciliation of these forward-looking non-GAAP financial measures to the most directly comparable U.S. GAAP financial measure is available to us without unreasonable efforts. For the same reasons, we are unable to address the probable significance of the unavailable information. We provide non-GAAP financial measures that we believe will be achieved, however we cannot accurately predict all of the components of the non-GAAP calculations and the U.S. GAAP measures may be materially different than the non-GAAP measures. We disclose the below non-GAAP financial measures and key performance metrics in this press release because we believe these non-GAAP financial measures and key performance metrics provide meaningful supplemental information. Dollar retention rate ( “ DRR ” ) - For existing customers at the beginning of a given period, DRR represents subscription renewals, upgrades, churn, and downgrades in such period divided by the beginning total renewable base for such customers for such period. Renewals reflect customers who renew their subscription, inclusive of auto-renewals for multi-year contracts, while churn reflects customers who choose to not renew their subscription. Upgrades include orders from customers that purchase additional licenses or content (e.g., a new Leadership and Business module), while downgrades reflect customers electing to decrease the number of licenses or reduce the size of their content package. Upgrades and downgrades also reflect changes in pricing. We use our DRR to measure the long-term value of customer contracts as well as our ability to retain and expand the revenue generated from our existing customers. Adjusted net income (loss) - Adjusted net income (loss) is defined as GAAP net income (loss) excluding non-cash items, discrete and event-specific costs that do not represent normal, recurring, cash operating expenses necessary for our business operations, and certain accounting income and/or expenses that management believes are necessary to enhance the comparability and are useful in assessing our operating performance, include the following (including the related tax effects): Adjusted EBITDA - Adjusted EBITDA is defined as adjusted net income (loss) excluding interest expense or income, benefit from or provision for income taxes, depreciation and amortization expense. Adjusted operating expenses – Adjusted operating expenses are defined as GAAP costs of revenues, content and software development, selling and marketing, and general and administrative expenses, excluding depreciation expense, long-term incentive compensation expense, system migration costs, transformation costs, and other non-cash charges, as applicable. Adjusted gross margin – Adjusted gross margin is defined as GAAP revenue less GAAP cost of revenues, excluding long-term incentive compensation expense and depreciation expense, divided by GAAP revenue for the same period. Adjusted contribution margin – Adjusted contribution margin is defined as GAAP revenue less adjusted operating expenses, divided by GAAP revenue for the same period. Free cash flow – Free cash flow is defined as GAAP net cash provided by (used in) operating activities less purchases of property and equipment and internally developed software. Adjusted free cash flow (levered) – Adjusted free cash flow (levered) is defined as free cash flow plus the cash impact for adjusted EBITDA excluded charges. Free cash flow conversion – Free cash flow conversion is defined as free cash flow divided by adjusted EBITDA for the same period. Net leverage – Net leverage is defined as current maturities of long-term debt, plus borrowings under accounts receivable facility, plus long-term debt, less cash and equivalents and restricted cash, divided by adjusted EBITDA for the preceding twelve-month period. Reclassifications Certain amounts reported in prior years have been reclassified to conform to the presentation in the current year. These reclassifications had no effect on total assets, total liabilities, total stockholders' equity, or net income (loss) for the prior year. Cautionary Notes Regarding Forward Looking Statements This document includes statements that are, or may be deemed to be, “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended, which are intended to be covered by the safe harbors created by those laws. All statements, other than statements of historical facts, that address activities, events or developments that we expect or anticipate may occur in the future, including such things as our outlook (including revenue, non-GAAP EBITDA, and free cash flow), our product development and planning, our sales pipeline, future capital expenditures, share repurchases, financial results, the impact of regulatory changes, existing and evolving business strategies and acquisitions and dispositions, demand for our services, competitive strengths, the benefits of new initiatives, growth of our business and operations, and our ability to successfully implement our plans, strategies, objectives, expectations and intentions are forward-looking statements. Also, when we use words such as “may”, “will”, “would”, “anticipate”, “believe”, “estimate”, “expect”, “intend”, “plan”, “project”, “forecast”, “seek”, “outlook”, “target”, “goal”, “probably”, or similar expressions, we are making forward-looking statements. Such statements are based upon the current beliefs and expectations of Skillsoft’s management and are subject to significant risks and uncertainties. All forward-looking disclosure is speculative by its nature, and we caution you against unduly relying on these forward-looking statements. Factors that could cause or contribute to such differences include those described under “Part I - Item 1A. Risk Factors” in our Form 10‐K for the fiscal year ended January 31, 2024. These factors should not be construed as exhaustive and should be read in conjunction with the other cautionary statements included in our other periodic filings with the Securities and Exchange Commission. The forward-looking statements contained in this document represent our estimates only as of the date of this filing and should not be relied upon as representing our estimates as of any subsequent date. While we may elect to update these forward-looking statements in the future, we specifically disclaim any obligation to do so, whether to reflect actual results, changes in assumptions, changes in other factors affecting such forward-looking statements, or otherwise. Although we believe that the assumptions underlying our forward-looking statements are reasonable, any of these assumptions, and therefore also the forward-looking statements based on these assumptions, could themselves prove to be inaccurate. Given the significant uncertainties inherent in the forward-looking statements included in this document, our inclusion of this information is not a representation or guarantee by us that our objectives and plans will be achieved. Annualized, pro forma, projected and estimated numbers are used for illustrative purposes only, are not forecasts and may not reflect actual results. Additionally, statements as to market share, industry data and our market position are based on the most current data available to us and our estimates regarding market position or other industry data included in this document or otherwise discussed by us involve risks and uncertainties and are subject to change based on various factors, including as set forth above. SKILLSOFT CORP. UNAUDITED CONDENSED CONSOLIDATED BALANCE SHEETS (in thousands, except number of shares and per share amounts) October 31, 2024 January 31, 2024 ASSETS Current assets: Cash and cash equivalents $ 97,921 $ 136,308 Restricted cash 3,881 10,215 Accounts receivable, net of allowance for credit losses of approximately $558 and $562 as of October 31, 2024 and January 31, 2024, respectively 102,498 185,638 Prepaid expenses and other current assets 55,834 53,170 Total current assets 260,134 385,331 Property and equipment, net 3,543 6,639 Goodwill 317,071 317,071 Intangible assets, net 456,692 539,293 Right of use assets 5,054 8,044 Other assets 11,037 17,256 Total assets $ 1,053,531 $ 1,273,634 LIABILITIES AND SHAREHOLDERS' EQUITY Current liabilities: Current maturities of long-term debt $ 6,404 $ 6,404 Borrowings under accounts receivable facility 10,009 44,980 Accounts payable 21,159 14,512 Accrued compensation 28,325 31,774 Accrued expenses and other current liabilities 22,370 29,939 Lease liabilities 2,088 3,049 Deferred revenue 203,646 282,570 Total current liabilities 294,001 413,228 Long-term debt 574,312 577,487 Deferred tax liabilities 44,099 52,148 Long-term lease liabilities 6,839 9,251 Deferred revenue - non-current 1,823 2,402 Other long-term liabilities 11,977 13,531 Total long-term liabilities 639,050 654,819 Commitments and contingencies Shareholders’ equity: Shareholders’ common stock - Class A common shares, $0.0001 par value: 18,750,000 shares authorized and 8,576,683 shares issued and 8,276,906 shares outstanding at October 31, 2024, and 8,380,436 shares issued and 8,080,659 shares outstanding at January 31, 2024 1 1 Additional paid-in capital 1,559,547 1,551,005 Accumulated equity (deficit) (1,412,279 ) (1,321,478 ) Treasury stock, at cost - 299,777 shares as of October 31, 2024 and January 31, 2024 (10,891 ) (10,891 ) Accumulated other comprehensive income (loss) (15,898 ) (13,050 ) Total shareholders’ equity 120,480 205,587 Total liabilities and shareholders’ equity $ 1,053,531 $ 1,273,634 SKILLSOFT CORP. UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF OPERATIONS (in thousands, except per share amounts) Three Months Ended October 31, Nine Months Ended October 31, 2024 2023 2024 2023 Revenues: Total revenues $ 137,225 $ 138,956 $ 397,241 $ 415,697 Operating expenses: Costs of revenues 34,312 36,407 101,254 114,698 Content and software development 14,937 16,126 45,436 51,024 Selling and marketing 39,615 43,983 122,591 130,321 General and administrative 21,686 22,308 66,390 72,689 Amortization of intangible assets 31,826 38,620 95,197 116,086 Acquisition and integration related costs 931 510 3,349 2,838 Restructuring 3,095 873 15,361 8,592 Total operating expenses 146,402 158,827 449,578 496,248 Operating income (loss) (9,177 ) (19,871 ) (52,337 ) (80,551 ) Other income (expense), net (538 ) 19 1,261 (1,290 ) Fair value adjustment of warrants — 1,105 — 4,750 Fair value adjustment of interest rate swaps (822 ) 3,981 418 11,186 Interest income 924 1,060 2,897 2,576 Interest expense (15,845 ) (16,492 ) (48,538 ) (48,683 ) Income (loss) before provision for (benefit from) income taxes (25,458 ) (30,198 ) (96,299 ) (112,012 ) Provision for (benefit from) income taxes (1,859 ) (2,462 ) (5,498 ) (8,735 ) Income (loss) from continuing operations (23,599 ) (27,736 ) (90,801 ) (103,277 ) Gain (loss) on sale of business — — — (682 ) Net income (loss) $ (23,599 ) $ (27,736 ) $ (90,801 ) $ (103,959 ) Net income (loss) per share: Basic and diluted - continuing operations $ (2.86 ) $ (3.45 ) $ (11.11 ) $ (12.84 ) Basic and diluted - discontinued operations — — — (0.08 ) Basic and diluted $ (2.86 ) $ (3.45 ) $ (11.11 ) $ (12.92 ) Weighted average common shares outstanding: Basic and diluted 8,239,564 8,047,497 8,170,344 8,043,712 SKILLSOFT CORP. UNAUDITED CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (in thousands) Nine Months Ended October 31, 2024 October 31, 2023 Cash flows from operating activities: Net income (loss) $ (90,801 ) $ (103,959 ) Adjustments to reconcile net income (loss) to net cash provided by (used in) operating activities: Amortization of intangible assets 95,197 116,086 Stock-based compensation 9,985 22,917 Depreciation 2,404 2,629 Non-cash interest expense 1,628 1,546 Non-cash property, equipment, software and lease impairment charges 2,495 4,265 Provision for credit loss expense (recovery) (4 ) 205 (Gain) loss on sale of business — 682 Provision for (benefit from) deferred income taxes – non-cash (8,080 ) (10,270 ) Fair value adjustment of warrants — (4,750 ) Fair value adjustment of interest rate swaps (418 ) (11,186 ) Change in assets and liabilities: Accounts receivable 82,877 70,645 Prepaid expenses and other assets, including long-term 4,258 2,726 Right-of-use assets 1,632 2,184 Accounts payable 6,693 (3,283 ) Accrued expenses and other liabilities, including long-term (12,819 ) (20,820 ) Lease liabilities (3,387 ) (3,048 ) Deferred revenues (79,446 ) (75,250 ) Net cash provided by (used in) operating activities 12,214 (8,681 ) Cash flows from investing activities: Purchase of property and equipment (820 ) (3,753 ) Proceeds from sale of property and equipment 10 — Internally developed software - capitalized costs (13,018 ) (8,055 ) Sale of SumTotal, net of cash transferred — (5,137 ) Net cash provided by (used in) investing activities (13,828 ) (16,945 ) Cash flows from financing activities: Shares repurchased for tax withholding upon vesting of restricted stock-based awards (1,052 ) (1,441 ) Payments to acquire treasury stock — (8,046 ) Proceeds from (payments on) accounts receivable facility (34,971 ) 793 Principal payments on term loans (4,803 ) (4,803 ) Net cash provided by (used in) financing activities (40,826 ) (13,497 ) Effect of exchange rate changes on cash and cash equivalents (2,281 ) (1,674 ) Net increase (decrease) in cash, cash equivalents and restricted cash (44,721 ) (40,797 ) Cash, cash equivalents and restricted cash, beginning of period 146,523 177,556 Cash, cash equivalents and restricted cash, end of period $ 101,802 $ 136,759 Supplemental disclosure of cash flow information: Cash and cash equivalents $ 97,921 $ 129,806 Restricted cash 3,881 6,953 Cash, cash equivalents and restricted cash, end of period $ 101,802 $ 136,759 SKILLSOFT CORP. RECONCILIATION OF NON-GAAP FINANCIAL MEASURES (in thousands, unaudited) Three Months Ended October 31, Nine Months Ended October 31, 2024 2023 2024 2023 Revenues Talent Development Solutions $ 102,998 $ 101,132 $ 302,725 $ 302,893 Global Knowledge 34,227 37,824 94,516 112,804 Total revenues, as reported $ 137,225 $ 138,956 $ 397,241 $ 415,697 Net income (loss), as reported $ (23,599 ) $ (27,736 ) $ (90,801 ) $ (103,959 ) Acquisition and integration related costs 931 510 3,349 2,838 Restructuring 3,095 873 15,361 8,592 Transformation costs 164 1,053 1,351 2,503 System migration costs — 510 118 1,580 Long-term incentive compensation expenses 4,099 7,962 10,438 22,917 Executive exit costs — — 3,326 — Fair value adjustment of warrants — (1,105 ) — (4,750 ) Fair value adjustment of interest rate swaps 822 (3,981 ) (418 ) (11,186 ) Foreign currency impact 524 (181 ) (1,297 ) 1,513 Gain (loss) on sale of business — — — 682 Tax impact of adjustments (1,057 ) (602 ) (3,349 ) (2,921 ) Adjusted net income (loss) from continuing operations (15,021 ) (22,697 ) (61,922 ) (82,191 ) Interest expense, net 14,921 15,432 45,641 46,107 Expense (benefit from) income taxes, excluding tax impacts above (802 ) (1,860 ) (2,149 ) (5,814 ) Depreciation 1,000 266 2,404 2,629 Amortization of intangible assets 31,826 38,620 95,197 116,086 Adjusted EBITDA from continuing operations $ 31,924 $ 29,761 $ 79,171 $ 76,817 Weighted average common shares outstanding: Basic and diluted 8,239,564 8,047,497 8,170,344 8,043,712 Basic and diluted per share information: Net income (loss), as reported $ (2.86 ) $ (3.45 ) $ (11.11 ) (12.92 ) Adjusted net income (loss) from continuing operations $ (1.82 ) $ (2.82 ) $ (7.58 ) $ (10.22 ) Adjusted net income (loss) margin % (10.9 )% (16.4 )% (15.6 )% (19.7 )% Interest expense, net 10.9 % 11.1 % 11.5 % 11.1 % Expense (benefit from) income taxes, excluding tax impacts above (0.6 )% (1.3 )% (0.5 )% (1.4 )% Depreciation 0.7 % 0.2 % 0.6 % 0.6 % Amortization of intangible assets 23.2 % 27.8 % 23.9 % 27.9 % Adjusted EBITDA margin % 23.3 % 21.4 % 19.9 % 18.5 % Adjusted gross margin 75.2 % 73.9 % 74.7 % 72.6 % Adjusted contribution margin 23.3 % 21.4 % 20.0 % 18.5 % SKILLSOFT CORP. RECONCILIATION OF NON-GAAP FINANCIAL MEASURES - continued (in thousands, unaudited) Three Months Ended October 31, Nine Months Ended October 31, 2024 2023 2024 2023 Operating expenses: GAAP costs of revenues $ 34,312 $ 36,407 $ 101,254 $ 114,698 Depreciation (91 ) (80 ) (315 ) (413 ) Long-term incentive compensation expenses (201 ) (128 ) (499 ) (463 ) Adjusted costs of revenues 34,020 36,199 100,440 113,822 GAAP content and software development 14,937 16,126 45,436 51,024 Depreciation (74 ) 22 (218 ) (169 ) Long-term incentive compensation expenses (857 ) (1,575 ) (3,061 ) (5,350 ) System migration — (510 ) (118 ) (1,580 ) Adjusted content and software development 14,006 14,063 42,039 43,925 GAAP selling and marketing 39,615 43,983 122,591 130,321 Depreciation (161 ) (160 ) (531 ) (839 ) Long-term incentive compensation expenses (1,595 ) (1,421 ) (3,648 ) (2,435 ) Transformation — (9 ) (213 ) (251 ) Adjusted selling and marketing 37,859 42,393 118,199 126,796 GAAP general and administrative 21,686 22,308 66,390 72,689 Depreciation (674 ) (48 ) (1,340 ) (1,208 ) Long-term incentive compensation expenses (1,446 ) (4,838 ) (3,230 ) (14,669 ) Transformation (179 ) (882 ) (1,192 ) (2,475 ) Executive exit costs — — (3,326 ) — Adjusted general and administrative 19,387 16,540 57,302 54,337 Total GAAP operating expenses 110,550 118,824 335,671 368,732 Depreciation (1,000 ) (266 ) (2,404 ) (2,629 ) Long-term incentive compensation expenses (4,099 ) (7,962 ) (10,438 ) (22,917 ) System migration — (510 ) (118 ) (1,580 ) Transformation (1) (179 ) (891 ) (1,405 ) (2,726 ) Executive exit costs — — (3,326 ) — Adjusted total operating expenses $ 105,272 $ 109,195 $ 317,980 $ 338,880 (1) This line item does not agree to the amounts reflected on preceding table due to certain transformation expenses not being reflected in GAAP operating expenses. SKILLSOFT CORP. FREE CASH FLOW RECONCILIATION (in thousands) Three Months Ended October 31, Nine Months Ended October 31, 2024 2023 2024 2023 Free cash flow reconciliation Net cash provided by (used in) operating activities $ 8,717 $ (10,666 ) $ 12,214 $ (8,681 ) Purchase of property and equipment, net (411 ) (347 ) (810 ) (3,753 ) Internally developed software - capitalized costs (4,222 ) (2,104 ) (13,018 ) (8,055 ) Total free cash flow 4,084 (13,117 ) (1,614 ) (20,489 ) Cash impact for adjusted EBITDA excluded charges 10,089 2,306 17,187 10,098 Adjusted free cash flow (levered) $ 14,173 $ (10,811 ) $ 15,573 $ (10,391 ) View source version on businesswire.com : https://www.businesswire.com/news/home/20241210536898/en/ CONTACT: Investors: Ross Collins or Stephen Poe SKIL@alpha-ir.comMedia : Cameron Martin cameron.martin@skillsoft.com KEYWORD: MASSACHUSETTS UNITED STATES NORTH AMERICA INDUSTRY KEYWORD: TECHNOLOGY SECURITY OTHER TECHNOLOGY SOFTWARE INTERNET CONTINUING TRAINING DATA MANAGEMENT EDUCATION SOURCE: Skillsoft Corp. Copyright Business Wire 2024. PUB: 12/10/2024 04:05 PM/DISC: 12/10/2024 04:04 PM http://www.businesswire.com/news/home/20241210536898/enMANCHESTER — Carter Heise made a memorable first impression. During the Concord High School boys hockey team’s first few practices this winter, the freshman goaltender turned away nearly every shot he faced. Heise has done more of the same through his first three starts, most recently in Concord’s 3-1 victory over Exeter in the Brian C. Stone Memorial Christmas Hockey Tournament championship game. Heise made 16 saves, including seven in the third period, on Saturday night at JFK Coliseum. Heise, who also earned the win in Concord’s 7-1 triumph over Manchester to open the tournament, was named the George “Butch” Joseph MVP after the final. “You can just tell he’s played at a high level growing up,” Concord coach Dunc Walsh said. “He’s just really aggressive and he plays the puck ... You can tell how confident he is.” Outside of the high school season, Heise plays for the Canton, Mass.-based Neponset Valley River Rats 14U team, which is currently ranked seventh in the country among 14U teams. Heise, who is 5-foot-9, 130 pounds, started in Concord’s 4-1 NHIAA Division I season-opening win at Bow. “I learned a lot from that experience with my other team and I’m trying to bring it here,” Heise said. “Obviously, I’m not a veteran but I’m trying to bring what I learned from my other team and what had success over there. I’m trying to convert that to the high school level and trying to help our younger players and everybody just become closer together.” Concord senior defenseman Cam Chandonnet said the team has two great goaltenders in Heise and junior Luukas Mayer. Mayer, who is 6-foot-2, 230 pounds, got the shutout win in the Crimson Tide’s 4-0 tournament semifinal victory over Goffstown on Friday and started in their 4-1 Division I triumph over Windham on Dec. 21. Heise said while Mayer is much bigger and taller than him, watching Mayer has helped him work on his positioning in goal. The two give each other advice, which ultimately makes the team stronger, Heise said. The defensemen know that they can rely on both netminders to be their backbone, Chandonnet said. “It’s great having two key players that can help you out on the back end,” said Chandonnet. “They’re great goalies. They’re great kids.” Chandonnet opened the championship game’s scoring with his power play goal from the high slot with 2:46 left in the second period. The All-Tournament team selection went top shelf over the stick-side shoulder of Exeter senior goaltender Logan Dixon (19 saves). The Crimson Tide then scored twice over the opening 3:12 of the third period on a shorthanded goal by senior captain Trevor Craigue and Tyler Mayo’s redirect of a Finn Gfroerer blast from the right point. Exeter got on the board with 23 seconds remaining, when senior forward Chase Barbour scored a power play goal while the Blue Hawks had a 6-on-4 skating advantage. Exeter pulled Dixon for the extra skater while on the power play with about three minutes left and put heavy pressure on Heise from then on. “He’s a good goalie,” Walsh said of Heise. “He played excellent.” All-Tournament Team : Tyler Lessard, forward, Goffstown; Owen Webber, forward, Bow; West Vaillant, forward, Exeter; Cam Chandonnet, defense, Concord; Chad Lariviere, forward, Concord. George “Butch” Joseph MVP : Carter Heise, goalie, Concord. ahall@unionleader.com

Chimezie's late layup lifts Boston University past Maine 59-56

It been over fifty days since President-Elect Donald Trump destroyed Kamala Harris in the 2024 presidential election. But, over on Bluesky it is still Election Day. They just can not accept she lost and refuse to move on. It’s like the movie Groundhog Day, but no one is learning the lessons needed to break out of the eternal loop of denial. That totally explains what’s happening to Washington Post columnist, Jen Rubin, and other critters like her trapped in Bluesky’s amber. Posters on X have noticed. (READ) Libs on Blooosky are like bugs frozen in amber. Every day is November 5, 2024. They’re never going to get over it. pic.twitter.com/lG17iN19uW Many posters couldn’t get over Rubin’s use of ‘muscular progressivism’ considering that the movement is mostly powered by soy and estrogen. Juxtaposing the words "progressivism" and "muscular" is an interesting choice. Muscular progressivism sounds like a neurological disorder. “Muscular progressivism” LOL The progressive was so muscular that she ducked media, interviews, debates. “Muscular progressivism” I thought she was the “conservative columnist” at the WA Post? 😂 Rubin’s a lot of things, but ‘conservative’ is not one of them. In word and practice, she’s something entirely different, but some commenters still question if it’s all just an act for clicks. Jen Rubin seemed like a thoughtful columnist until her delusions and derangement became apparent for the world to see. Was she a mentor to Taylor Lorenz by chance? Do you think she actually believes this stuff, or is she just saying the words to keep her people clicking? It’s just “hey let me post some bulls**t to make my team feel good and get likes.” LOL Jen Rubin is the gift that keeps on giving. I’d like to buy stock in her neighborhood pharmacy as we enter into the next 4 years Actually, she’s the ‘grift’ that keeps on giving. Some have compared users on Bluesky to bugs forever trapped in amber. Others say it’s more like the eternal, repetitious battle in Valhalla from Norse mythology. They put themselves in their own crystals. They, truly, “did the work.” Thx, libs! Yeah, the Tyler Harper comment calling it Lib Vallhalla was right on the money. They're just going to fight the same battle over and over for eternity. que mierdalib es? pic.twitter.com/rVGWe076F8 Eternal November. Nov 5th but with a 5% drop in user base each week If you want to visit a place frozen in time and filled with people who all agree with each other, then Bluesky is the place to be. If you want to debate the present and the future you’ll have better luck on X. They’re way past Election Day there.Scientists grow human brains in space for first time and they could help cure world's top killer disease READ MORE: Zapping the brain with ultrasound might cure addiction By ELLYN LAPOINTE FOR DAILYMAIL.COM Published: 14:13 EST, 22 November 2024 | Updated: 14:36 EST, 22 November 2024 e-mail 18 shares 7 View comments Scientists have grown tiny human brains in space to research new treatments for Alzheimer's , Parkinson's and spinal injuries. The low gravity environment on the International Space Station (ISS) enabled researchers to grow brain organoids in just 72 hours. This process can take months on Earth. The organoids, which are artificially-grown masses of cells that mimic the structure and function of a human organ, allowed researchers to test a new method for curing currently untreatable neurological diseases . The promising new treatment, developed by biotechnology company Axonis Therapeutics, uses a reprogrammed virus to deliver beneficial gene therapy to central nervous system cells (CNS). Such modified viruses are called viral vectors, and they could be particularly useful for treating Alzheimer's, Parkinson's and spinal cord injuries. Nearly 600,000 Americans are diagnosed with either Alzheimer's or Parkinson's each year, and roughly 18,000 new spinal cord injuries occur in the US annually. Testing revealed that the company's treatment worked in mice. But gene therapies that are effective in rodent models often fail in humans. Axionis Therapeutics needed to perform tests using an accurate model of the human central nervous system, which is what prompted them to try and grow human brain organoids in space. Scientists on the International Space Station (ISS) have grown brain-like organoids in space to research new treatments for Alzheimer's, Parkinson's and spinal injuries Scientists can grow CNS cells on Earth, but gravity forces them to arrange themselves into two-dimensional single layers, which makes it difficult to culture the three-dimensional structure and complexity of brain cell functional groups. These space-grown organoids quickly provided a highly accurate model of the human brain, allowing the ISS researchers to truly test the effectiveness of the new viral vector treatment. 'Doing research in space is not something you'd ever think about normally,' said Shane Hegarty, co-founder and chief scientific officer of Axonis Therapeutics. 'But the opportunity to leverage microgravity conditions can unlock a lot of untouched potential by pushing the boundaries of science in a unique environment,' he added in a statement . In August 2023, Axonis Therapeutics launched frozen vials of their viral vector, mature neurons and astrocytes - or cells that hold nerve cells in place and help them develop - toward the ISS aboard a cargo resupply mission. A crew of researchers on the floating laboratory then injected these materials into a machine called BioCell, which is a specialized cell-culturing system. They loaded the viral vector with a fluorescent protein gene. If it successfully infiltrated the neurons and implanted the gene inside them, they would glow neon green. Within just 72 hours, the cells had not only organized themselves into three-dimensional human brain organoids, but were also glowing. NASA astronaut Mike Barratt processes brain organoid samples aboard the ISS for a different research project conducted this year ISS researchers used a specialized cell-culturing system called BioCell to grow the brain organelles and test the effectiveness of the viral vector 'The pivotal day was when the crew was doing the microscopy, and we saw big aggregates of green, glowing 3D tissue,' said researcher Sheila Nielsen of BioServe Space Technologies, the research organization that created BioCell. 'Shane and I were sending images of the organoids back and forth to each other, and we were pretty ecstatic because this is not something they had ever seen on the ground,' she added in the statement. Read More Exposure to city lights could increase the risk of Alzheimer's, study finds Viruses are very efficient at infecting cells and inserting genetic material into them. This is how they sicken their hosts - the inserted genetic material damages cells and allows the virus to reproduce, eliciting an immune response. But scientists can reprogram viruses to carry beneficial gene therapies to cells, providing a targeted treatment for disease or injury. This study demonstrated that Axonis Therapeutics' viral vector would be able to deliver gene therapy to human neurons. 'It was very exciting - we were able to both validate the gene therapy targeting ability and show that we indeed rapidly formed 3D assembloid models of the human brain,' Hegarty said. 'The major breakthrough is that you can self-assemble mature neurons and astrocytes rapidly into a model of the brain in microgravity conditions, which you can't do on the ground.' Share or comment on this article: Scientists grow human brains in space for first time and they could help cure world's top killer disease e-mail 18 shares Add commentTottenham pair Rodrigo Bentancur and Dominic Solanke left fans in stitches after colliding in the box as they lined up to shoot during their 2-2 draw with Wolves. Spurs manager Ange Postecoglou came into his side’s clash with Wolves under huge pressure following back-to-back defeats against Liverpool and Nottingham Forest, The Sun reports. They kicked off in the bottom half of the Premier League table with nine defeats from 18 games. And things got even bleaker for fans of the North London side when Hwang Hee-chan fired in to give the visitors the lead. You can watch the farcical scene in the video player above. Bentancur levelled with a header from a corner, before the calamitous incident occurred between the Uruguayan and Solanke. As the ball rolled across the box they both ran onto it and took each other out. Fortunately, the flag went up for offside in the build-up. But that did not stop fans from making fun of the hapless moment. One said: “Solanke shoving Bentancur off the ball (or was it the other way around?) is the most Spursy thing I’ve ever seen.” Another added: “That Bentancur-Solanke collision in the box sums up our whole season lmao.” The pair had a paddock of space. Photo: Twitter. A third replied: “If you could describe SPURS in a clip... Solanke and Bentancur going for the same ball.” While a fourth responded: “The way Solanke and Bentancur tackled each other best comedy show on earth.” Spurs went in front through Brennan Johnson but then conceded late on through Jorgen Strand Larsen. Postecoglou really needed a win here after a run of just one victory in six league games had left his injury-hit side languishing in mid-table. He looked like he might have it after goals from Bentancur and Johnson before half-time overturned Hwang’s opener. But Strand Larsen came to the rescue to preserve Vitor Pereira’s unbeaten record since taking over. And it left Postecoglou, whose side were booed at full-time, looking on shaky ground as chairman Daniel Levy watched from the stands. “I’m the person in charge, so of course it hurts,” said Postecoglou, whose team have won just one of their past seven Premier League matches. “When I see how hard they are trying, it hurts even more because you want them to get a reward and I think today they deserved a reward for their efforts.” Pereira has had such a quick impact at Wolves since succeeding Gary O’Neil just before Christmas that the away fans were singing his name before kick-off. They were belting it out after seven minutes though when Hwang broke the deadlock. The South Korean was starting his first league game since August as a reward for his killer strike against Manchester United on Boxing Day. Hello darkness my old friend. Photo by Glyn KIRK / AFP. His strike showed no signs of rustiness though as Rayan Ait-Nouri rolled a free-kick off to the forward on the edge of the area and Hwang did the rest, curling beautifully in off the post. Spurs were trying to claim a foul on Johnson from Santiago Bueno in the build-up but it looked an optimistic claim at best. Matheus Cunha, who had won the set-piece in the first place, has been Wolves’ star man in a dreary campaign. And the Brazilian showed just why he is being coveted by the likes of Arsenal with some Champions League-quality tricks and flicks throughout the first half. Spurs hit back five minutes later though with a corner routine that had worked a charm against Ipswich last month, even if it was overlooked by Spurs losing that game. Just as they did against the Tractor Boys, Pedro Porro sent in the delivery to the near post where Rodrigo Bentancur rose highest to crash home a header. Spurs were not playing well and yet they were still creating chances. Radu Dragusin probably should have levelled with a header from another Porro corner that whistled the wrong side of the post. Yves Bissouma had a blast over the bar when Kulusevski neatly laid it off to him. While there was a farcical moment when Solanke and Bentancur clattered into each other trying to latch onto the same cutback from Kulusevski, who was offside anyway. Son Heung-min has looked out of sorts for some time now given the amazing service he has given Spurs over the last ten years. You can't make this stuff up. He was anonymous here until out of nowhere, he was presented with a golden chance to put Spurs ahead. Johnson had been needlessly tripped by Andre in the box as tried to latch onto Kulusevsi’s lock-picking pass. Son picked up the ball as the penalty-taker but just like Erling Haaland against Everton last week, the master goal-scorer looked so short of confidence that you feared a miss was coming. So it proved as his tame effort to Jose Sa’s right was repelled by the Wanderers stopper. Postecoglou must have felt this is just how things are going for him right now. But then Johnson offered him a reprieve in the third minute of first-half stoppage time. The Welshman played a one-two with the excellent Kulusevski - who at times seemed to be carrying Spurs - and then smartly converted the return pass for 2-1. Wolves were dealt a surprise blow when Cunha was part of a double-sub at half-time and was spotted soon after with ice under his left knee. While Postecoglou surely could not believe his luck when Destiny Udogie went down with a hamstring injury, given how decimated his defence already was. The Italian gingerly walked off to be replaced by the lesser-spotted Sergio Reguilon, who was making his first league appearance for Spurs since April 2022. Since then he has been out on loan at Atletico Madrid, Manchester United and Brentford. The smart money is on him being shipped out permanently next month too, although Spurs may have to assess the damage to Udogie first. Both sides looked tired and short of quality in a clunky second half. Spurs were desperately trying to see it out but then on 87 minutes, Rayan Ait-Nouri slipped in sub Strand Larsen who belted the ball past Fraser Forster high into the roof of the net. Spurs old-boy Matt Doherty almost nicked all three points too for the visitors but his header was repelled by Forster. — This story originally appeared on The Sun and has been republished with permission More Coverage ‘First since MJ’: Aussie’s absurd history Andrew Jackson with New York Post and AFP Ash Barty makes quiet return to tennis Tyson Otto Originally published as Ange Postecoglou left a laughing stock after Spurs comedy act EPL Don't miss out on the headlines from EPL. Followed categories will be added to My News. More related stories Sport Liverpool destroy Hammers, late goal heaps more pain on Ange’s Spurs Liverpool continued their romp towards the title with a 5-0 rout of West Ham, while Ange Postecoglou suffered the frustration of watching Tottenham concede a late goal to drop more points. EPL WRAP. Read more Tottenham Under-fire Ange clarifies PM joke as decimated Spurs lick wounds Tottenham boss Ange Postecoglou was baffled he had to explain a comment he made about the job of the UK Prime Minister was a joke as the pressure to turn Spurs’ season around rises. Read moreShoppers in Stoke-on-Trent have been left bemused after spotting Easter eggs on supermarket shelves before New Year’s Eve. With Easter Sunday falling on April 20 next year, customers shared their confusion on social media after finding chocolate eggs and hot cross buns already for sale in shops including Morrisons, Tesco and Asda. Joseph Robinson found Easter confectionary including Cadbury Mini Eggs, and themed Kit-Kat and Kinder Surprise products at his Morrisons in Festival Park on Friday evening. “It’s funny, as they’ve not even managed to shift the Christmas chocolates off the shelves yet and they’re already stocking for Easter,” the 35-year-old admin support worker told PA. “I wish that supermarkets weren’t so blatantly consumerist-driven and would actually allow customers and staff a time to decompress during the Christmas period.” Asked if he was tempted to make a purchase, Mr Robinson added: “As a vegan it holds no appeal to me!” One social media user, @Jingle1991, shared an image of Malteser Bunnies in Sainsbury’s on Christmas Eve and pointed out: “Jesus hasn’t even been born yet.” Meanwhile, Gary Evans shared a shot of Creme Eggs on display in Morrisons in Margate on Boxing Day. “I just think its crazy that everything is so superficial and meaninglessly commercial... (there’s) something quite frantic about it,” the 66-year-old told the PA news agency. Mike Chalmers, a devout Christian from Chippenham, Wiltshire, was slightly less critical after spotting a display entitled: “Celebrate this Easter with Cadbury.” “Christmas and Easter are the two centrepoints of the Christian good news story so it’s no bad thing to see the connections,” the 44-year-old said. “It’s about more than shapes of chocolate though!” Marketing consultant Andrew Wallis admitted he was surprised to see Easter eggs in the Co-op in Kilgetty, Pembrokeshire, but added it also illustrates “forward-thinking” from big businesses. “It made me reflect on how big brands are always thinking ahead and planning early,” the 54-year-old from the Isle of Man, who provides marketing advice to the fitness industry, told PA. “My message to retailers would be: while planning ahead is important, it’s also essential to be mindful of consumer sentiment. “Some might feel it’s too early for seasonal products like this but others might see it as a sign of forward-thinking. Striking the right balance is key to keeping customers happy.” Sign up for the latest breaking news and top stories from StokeonTrentLive on WhatsApp

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