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C$ unless otherwise stated TSX/NYSE/PSE: MFC SEHK: 945 The prospectus supplement, the corresponding base shelf prospectus and any amendment thereto in connection with this offering will be accessible through SEDAR+ within two business days. TORONTO , Dec. 3, 2024 /PRNewswire/ - Manulife Financial Corporation (" MFC ") announced today that it intends to issue $1 billion principal amount of 4.064% fixed/floating subordinated debentures due December 6 , 2034 (the " Debentures "). MFC intends to file a prospectus supplement to its existing base shelf prospectus in respect of this issue. The Debentures will bear interest at a fixed rate of 4.064% until December 6, 2029 and thereafter at a rate of 1.25% over Daily Compounded CORRA. The Debentures mature on December 6, 2034 . Subject to prior regulatory approval, MFC may redeem the Debentures, in whole or in part, on or after December 6, 2029 at a redemption price equal to par, together with accrued and unpaid interest to, but excluding, the date fixed for redemption. The Debentures will constitute subordinated indebtedness, ranking equally and rateably with all other subordinated indebtedness of MFC from time to time issued and outstanding (other than subordinated indebtedness which has been further subordinated in accordance with its terms). The offering is being done on a best efforts agency basis by a syndicate co-led by RBC Capital Markets, CIBC Capital Markets and Scotiabank. The offering is expected to close on December 6, 2024 . MFC intends to use the net proceeds from the offering of the Debentures for general corporate purposes, including investment in subsidiaries and potential future redemptions of existing securities. The Debentures have not been and will not be registered in the United States under the United States Securities Act of 1933, as amended (the " Securities Act "), or the securities laws of any state of the United States and may not be offered, sold or delivered, directly or indirectly, in the United States or to, or for the account or benefit of, a "U.S. person" (as defined in Regulation S under the Securities Act) absent registration or an applicable exemption from such registration requirements. This press release does not constitute an offer to sell or a solicitation to buy securities in the United States and any public offering of the securities in the United States must be made by means of a prospectus. Access to the prospectus supplement, the corresponding base shelf prospectus and any amendment thereto in connection with the offering of the Debentures is provided in accordance with securities legislation relating to procedures for providing access to a prospectus supplement, a base shelf prospectus and any amendment thereto. The prospectus supplement, the corresponding base shelf prospectus and any amendment thereto in connection with the offering will be accessible within two business days at www.sedarplus.ca . An electronic or paper copy of the prospectus supplement, the corresponding base shelf prospectus and any amendment to the documents may be obtained, without charge, from RBC Capital Markets by email at torontosyndicate@rbccm.com or phone at 416-842-6311, CIBC Capital Markets by email at mailbox.cibcdebtsyndication@cibc.com or phone at 416-594-8515 or Scotiabank by email at syndicate.toronto@scotiabank.com or phone at 416-863-7438. About Manulife Manulife Financial Corporation is a leading international financial services provider, helping people make their decisions easier and lives better. With our global headquarters in Toronto, Canada , we provide financial advice and insurance, operating as Manulife across Canada , Asia , and Europe , and primarily as John Hancock in the United States . Through Manulife Investment Management, the global brand for our Global Wealth and Asset Management segment, we serve individuals, institutions, and retirement plan members worldwide. At the end of 2023, we had more than 38,000 employees, over 98,000 agents, and thousands of distribution partners, serving over 35 million customers. We trade as 'MFC' on the Toronto , New York , and the Philippine stock exchanges, and under '945' in Hong Kong . Not all offerings are available in all jurisdictions. For additional information, please visit manulife.com . View original content to download multimedia: https://www.prnewswire.com/news-releases/manulife-announces-subordinated-debenture-issue-302321737.html SOURCE Manulife Financial CorporationEl Toro Bravo Mexican Restaurant Closing Temporarily Due to Fire Damage
Article content PHILADELPHIA — Saquon Barkley rushed for 167 yards to top 2,000 on the season, backup quarterback Kenny Pickett ran and threw for scores before departing with injured ribs, and the Philadelphia Eagles clinched the NFC East title by routing the Dallas Cowboys 41-7 on Sunday. Barkley has 2,005 yards and needs 101 in next week’s mostly meaningless regular-season finale to top Eric Dickerson and his 2,105 yards for the Los Angeles Rams in 1984. The Eagles (13-3) led 24-7 in the third quarter when Pickett was drilled by defensive end Micah Parsons, ending his first start in place of the concussed Jalen Hurts. Tanner McKee, a career third-stringer, entered the game and the Eagles finished the drive with a field goal. McKee later threw two TD passes, a 20-yarder to A.J. Brown and a 25-yarder to DeVonta Smith, in front of a roaring crowd delighted to watch the Eagles dominate their fiercest rival to wrap up the division title and at least the No. 2 seed in the NFC. Hurts was injured in last week’s loss at Washington and remains in the NFL’s concussion protocol — he didn’t practice all week — which opened the door for Pickett to start. Pickett, acquired from Pittsburgh in the offseason, played with extra protection under his jersey after he suffered a rib injury when he was pressed into service against the Commanders. Sore ribs or not, Pickett was pumped for this start all week. He was raised a diehard Eagles fan in central New Jersey about 80 miles from Lincoln Financial Field and recalled “great memories” of going to games with his dad and grandfather since he was 5 years old. The 26-year-old Pickett said he had plenty of family at the Linc to cheer him on against Dallas (7-9). More than 60,000 other Eagles rooted him on, too, but Pickett’s dream day ended prematurely. He finished 10 of 15 for 143 yards. With the Eagles no longer having a division title to play for, it’s likely Hurts will rest another week ahead of the playoffs. Now, Pickett could be sidelined as well — possibly forcing McKee into the starting lineup. Barkley had 31 carries and his last one went for 23 yards to push him over 2,000. He could also sit out rather than risk injury chasing Dickerson’s record. Barkley, who left the Giants and signed a three-year deal with the Eagles for $26 million guaranteed, set the NFL mark for most yards rushing in a player’s first season with a new team. The friends and family that traveled to see Pickett play had to wait a bit after Eagles safety C.J. Gardner-Johnson returned an interception 69 yards for a score on Dallas’ opening drive. Cooper Rush — who threw for 147 yards and had two interceptions — followed on the next drive for Dallas with a 4-yard TD pass to Jalen Tolbert. Pickett connected with Grant Calcaretta for 34 yards and then hit Smith — who had six catches total for 120 yards — for a 22-yard score and a 14-7 lead. The Eagles’ defence broke the game open for Pickett when a recovered fumble led to Jake Elliott’s 31-yard field goal and Gardner-Johnson’s second pick of the day set up Pickett’s rushing score on a tush push. Just like Hurts. Pickett, who completed 10 of 15 passes for 143 yards, took two tough shots on the same drive on the third: Odighizuwa was flagged for roughing the passer on a late hit and Parsons delivered the knockout blow. The Eagles were thrilled to have a capable backup QB who went 14-10 as a starter with the Steelers. His performance prompted Pittsburgh legend and Fox broadcaster Terry Bradshaw to say the Steelers never should have gotten rid of him. Injuries Cowboys: S Donovan Wilson suffered a knee injury. ... Played without All-Pro WR CeeDee Lamb, who was shut down for the final two weeks with a sprained right shoulder. Eagles: DE Bryce Huff briefly left with a shoulder injury sustained in his first game back since he was activated off the injured list. He had wrist surgery. Up next The Cowboys host Washington next week in their final game of the season. The Eagles tune up for the playoffs with a home game against the Giants.The technology billionaire’s guest opinion piece for Welt am Sonntag led the newspaper’s opinion editor to resign in protest. Technology entrepreneur Elon Musk has caused uproar after backing Germany’s far-right party in a major newspaper ahead of key parliamentary elections in the Western European country, leading to the resignation of the paper’s opinion editor in protest. Germany is to vote in an early election on February 23 after Chancellor Olaf Scholz’s three-party governing coalition collapsed last month in a dispute over how to revitalise the country’s stagnant economy. Mr Musk’s guest opinion piece for Welt am Sonntag – a sister publication of Politico owned by the Axel Springer Group – published in German over the weekend, was the second time this month that he has supported the Alternative for Germany, or AfD. “The Alternative for Germany (AfD) is the last spark of hope for this country,” he wrote in his translated commentary. He went on to say that the far-right party “can lead the country into a future where economic prosperity, cultural integrity and technological innovation are not just wishes, but reality”. The Tesla Motors chief executive also wrote that his investment in Germany gives him the right to comment on the country’s condition. The AfD is polling strongly, but its candidate for the top job, Alice Weidel, has no realistic chance of becoming chancellor because other parties refuse to work with the far-right party. Billionaire Mr Musk, an ally of US President-elect Donald Trump, challenged in his opinion piece the party’s public image. “The portrayal of the AfD as right-wing extremist is clearly false, considering that Alice Weidel, the party’s leader, has a same-sex partner from Sri Lanka! Does that sound like Hitler to you? Please!” Mr Musk’s commentary has led to a debate in German media over the boundaries of free speech, with the paper’s own opinion editor announcing her resignation, pointedly on Mr Musk’s social media platform, X. Eva Marie Kogel wrote: “I always enjoyed leading the opinion section of WELT and WAMS. Today an article by Elon Musk appeared in Welt am Sonntag. I handed in my resignation yesterday after it went to print.” A critical article by the future editor-in-chief of the Welt group, Jan Philipp Burgard, accompanied Mr Musk’s opinion piece. “Musk’s diagnosis is correct, but his therapeutic approach, that only the AfD can save Germany, is fatally wrong,” he wrote. Responding to a request for comment from the German Press Agency, dpa, the current editor-in-chief of the Welt group, Ulf Poschardt, and Mr Burgard – who is due to take over on January 1 – said in a joint statement that the discussion over Mr Musk’s piece was “very insightful. Democracy and journalism thrive on freedom of expression.” “This will continue to determine the compass of the ‘world’ in the future. We will develop ‘Die Welt’ even more decisively as a forum for such debates,” they wrote to dpa.
Trump's ‘border czar' says family detention centers could play a role in deportation effortALEXANDRIA, Va. (AP) — Google, already facing a possible breakup of the company over its ubiquitous search engine , is fighting to beat back another attack by the U.S. Department of Justice alleging monopolistic conduct, this time over technology that puts online advertising in front of consumers. The Justice Department and Google made closing arguments Monday in a trial alleging Google's advertising technology constitutes an illegal monopoly. U.S. District Judge Leonie Brinkema in Alexandria, Virginia, will decide the case and is expected to issue a written ruling by the end of the year. If Brinkema finds Google has engaged in illegal, monopolistic conduct, she will then hold further hearings to explore what remedies should be imposed. The Justice Department, along with a coalition of states, has already said it believes Google should be forced to sell off parts of its ad tech business, which generates tens of billions of dollars annually for the Mountain View, California-based company. After roughly a month of trial testimony earlier this year, the arguments in the case remain the same. During three hours of arguments Monday, Brinkema, who sometimes tips her hand during legal arguments, did little to indicate how she might rule. She did, though, question the applicability of a key antitrust case Google cites in its defense. The Justice Department contends Google built and maintained a monopoly in “open-web display advertising,” essentially the rectangular ads that appear on the top and right-hand side of the page when one browses websites. Google dominates all facets of the market. A technology called DoubleClick is used pervasively by news sites and other online publishers, while Google Ads maintains a cache of advertisers large and small looking to place their ads on the right webpage in front of the right consumer. In between is another Google product, AdExchange, that conducts nearly instantaneous auctions matching advertisers to publishers. In court papers, Justice Department lawyers say Google “is more concerned with acquiring and preserving its trifecta of monopolies than serving its own publisher and advertiser customers or winning on the merits.” As a result, content providers and news organizations have never been able to generate the online revenue they should due to Google’s excessive fees for brokering transactions between advertisers and publishers, the government says. Google argues the government's case improperly focuses on a narrow niche of online advertising. If one looks more broadly at online advertising to include social media, streaming TV services, and app-based advertising, Google says it controls as little as 10% of the market, a share that is dwindling as it faces increased and evolving competition. Google alleges in court papers that the government’s lawsuit “boil(s) down to the persistent complaints of a handful of Google’s rivals and several mammoth publishers.” Google also says it has invested billions in technology that facilitates the efficient match of advertisers to interested consumers and it should not be forced to share its technology and success with competitors. “Requiring a company to do further engineering work to make its technology and customers accessible by all of its competitors on their preferred terms has never been compelled by U.S. antitrust law,” the company wrote. Brinkema, during Monday's arguments, also sought clarity on Google’s market share, a number the two sides dispute, depending on how broadly the market is defined. Historically, courts have been unwilling to declare an illegal monopoly in markets in which a company holds less than a 70% market share. Google says that when online display advertising is viewed as a whole, it holds only a 10% market share, and dwindling. The Justice Department contends, though, that when focusing on open-web display advertising, Google controls 91% of the market for publisher ad servers and 87% of the market for advertiser ad networks. Google says that the “open web display advertising” market is gerrymandered by the Justice Department to make Google look bad, and that nobody in the industry looks at that category of ads without considering the ability of advertisers to switch to other forms of advertising, like in mobile apps. The Justice Department also contends that the public is harmed by the excessive rates Google charges to facilitate ad purchases, saying the company takes 36 cents on the dollar when it facilitates the transaction end to end. Google says its “take rate” has dropped to 31% and continues to decrease, and it says that rate is lower than that of its competitors. “When you have an integrated system, one of the benefits is lower prices," Google lawyer Karen Dunn said Monday. The Virginia case is separate from an ongoing lawsuit brought against Google in the District of Columbia over its namesake search engine. In that case, the judge determined it constitutes an illegal monopoly but has not decided what remedy to impose. The Justice Department said last week it will seek to force Google to sell its Chrome web browser , among a host of other penalties. Google has said the department's request is overkill and unhinged from legitimate regulation. In Monday's arguments, Justice Department lawyer Aaron Teitelbaum cited the search engine case when he highlighted an email from a Google executive, David Rosenblatt, who said in a 2009 email that Google’s goal was to “do to display what Google did to search," which Teitelbaum said showed the company's intent to achieve market dominance. “Google did not achieve its trifecta of monopolies by accident,” Teitelbaum said.
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BERLIN (AP) — Tech entrepreneur Elon Musk caused uproar after backing Germany’s far-right party in a major newspaper ahead of key parliamentary elections in the Western European country, leading to the resignation of the paper’s opinion editor in protest. Germany is to vote in an early election on Feb. 23 after Chancellor Olaf Scholz’s three-party governing coalition collapsed last month in a dispute over how to revitalize the country’s stagnant economy. Musk's guest opinion piece for Welt am Sonntag —a sister publication of POLITICO owned by the Axel Springer Group — published in German over the weekend, was the second time this month he supported the Alternative for Germany, or AfD. “The Alternative for Germany (AfD) is the last spark of hope for this country," Musk wrote in his translated commentary. He went on to say the far-right party “can lead the country into a future where economic prosperity, cultural integrity and technological innovation are not just wishes, but reality.” The Tesla Motors CEO also wrote that his investment in Germany gave him the right to comment on the country's condition. The AfD is polling strongly, but its candidate for the top job, Alice Weidel , has no realistic chance of becoming chancellor because other parties refuse to work with the far-right party. An ally of U.S. President-elect Donald Trump, the technology billionaire challenged in his opinion piece the party's public image. “The portrayal of the AfD as right-wing extremist is clearly false, considering that Alice Weidel, the party’s leader, has a same-sex partner from Sri Lanka! Does that sound like Hitler to you? Please!” Musk’s commentary has led to a debate in German media over the boundaries of free speech, with the paper's own opinion editor announcing her resignation, pointedly on Musk's social media platform, X. “I always enjoyed leading the opinion section of WELT and WAMS. Today an article by Elon Musk appeared in Welt am Sonntag. I handed in my resignation yesterday after it went to print," Eva Marie Kogel wrote. A critical article by the future editor-in-chief of the Welt group, Jan Philipp Burgard, accompanied Musk’s opinion piece. “Musk’s diagnosis is correct, but his therapeutic approach, that only the AfD can save Germany, is fatally wrong,” Burgard wrote. Responding to a request for comment from the German Press Agency, dpa, the current editor-in-chief of the Welt group, Ulf Poschardt, and Burgard — who is due to take over on Jan. 1 — said in a joint statement that the discussion over Musk's piece was "very insightful. Democracy and journalism thrive on freedom of expression.” “This will continue to determine the compass of the “world” in the future. We will develop “Die Welt” even more decisively as a forum for such debates,” they wrote to dpa.
The year just past has seen incredible leaps in humanoid robotics , and all signs point to a more exciting 2025. The race among tech titans is intense as they strive to create the pinnacle of these ingenious human-like machines. A standout development, Boston Dynamics has launched its new all-electric Atlas model, retiring the well-known hydraulic counterpart. This innovation is seen as a pivotal step towards the commercialization of humanoid robots. The updated version moves in extraordinary ways, hinting at the future’s possibilities where robots perform tasks beyond human physical limitations. For example, these robots might twist their torsos and legs in different directions for optimal efficiency, showcasing their unique abilities and setting companies apart in the competitive market. Chinese company Unitree catches attention with its affordable, compact humanoid robot, the G1, which is less than three feet tall when folded. Unitree differentiates itself with cost-effective two-legged and four-legged robotic solutions. Meanwhile, 1X’s humanoid, NIO, positions itself as a friendly home assistant, aiming for trust and companionship in domestic settings. A key challenge remains robot autonomy . Companies are exploring ways for robots to independently learn tasks, whether through mimicry or advanced programming. Tesla’s Optimus, although showcased at events, operates autonomously only under controlled conditions. This highlights the contrast between publicly demonstrated skills and behind-the-scenes capabilities. As we step into 2025, expect to see more industry alliances, like Boston Dynamics’ partnership with Toyota Research Institute. These collaborations could lead to the next breakthrough in humanoid robotics, blending self-driving car technologies with robotic innovation. The future is bright for humanoid robots! Breakthroughs in Humanoid Robotics: What to Expect by 2025 The field of humanoid robotics is on the brink of transformative advancements, with recent developments pointing to significant innovations by 2025. As technology giants race to lead the market, developments such as Boston Dynamics’ launch of its all-electric Atlas model mark a pivotal shift towards the commercial availability of humanoid robots. Electric-powered humanoids like Atlas now exhibit movements once considered impossible, suggesting a future where robots can perform tasks beyond human physical capabilities. These advanced robots can rotate their torsos and limbs independently, maximizing efficiency and showcasing distinct capabilities that empower companies to stand out in this competitive field. Unitree, a notable Chinese firm, has garnered attention with its affordable and compact humanoid robot, the G1. Its economical two-legged and four-legged options position Unitree as a leader in cost-effective robotic solutions. Meanwhile, 1X’s humanoid robot, NIO, is designed as a domestic assistant, embodying trust and companionship necessary for home environments. While the progress is impressive, robot autonomy remains a major hurdle. The quest for robotic independence involves enabling robots to learn tasks autonomously, whether this is through imitation or sophisticated programming techniques. Tesla’s Optimus, for instance, operates autonomously only in controlled environments, underscoring the disparity between public demonstrations and functional reality. Expect to see burgeoning partnerships in the industry that could accelerate technological breakthroughs. For example, collaborations like that of Boston Dynamics with the Toyota Research Institute are promising. These partnerships may integrate self-driving car technology with robotic advancements, potentially creating a new epoch in humanoid robotics. As we journey into 2025, the humanoid robotics sector is set for exciting evolution, continuously redefining possibilities and expectations for robotics in everyday life. Stay tuned to see how these innovations will shape our future. For more information on leading advancements in robotics, visit Boston Dynamics and Tesla .Jimmy Carter, the 39th president and a Nobel Peace Prize recipient, has died at 100