SportsbookWire.com's Alex White already cashed her best college football bet for Saturday with Boston College (+2.5) winning outright 41-21 at home against North Carolina . She's looking to make it a 2-0 weekend with her best bet for NFL Week 12, which involves the total when the New England Patriots (3-8) visit the Miami Dolphins (4-6) Sunday in an AFC East matchup. Kickoff from Hard Rock Stadium is set for 1 p.m. ET and will be televised on CBS. The Patriots have alternated wins and losses over their last 4 games, recently falling at home to the LA Rams in Week 11. The Dolphins enter on a 2-game win streak, beating the Las Vegas Raiders 34-19 last Sunday and winning at the Rams 23-15 in Week 10. The division foes met in Week 5 at New England with Miami winning 15-10. The Dolphins covered as 1-point road favorites and the Under (37) cashed. For Sunday's matchup in South Florida, BetMGM Sportsbook has the O/U line at 46.5 (Over: -110 | Under: -110), up from 46, which it was Friday -- last updated Saturday at 5:51 p.m. ET. Listen below to why Alex likes this total as her best NFL bet for Sunday . Make sure to catch Alex on Sports By the Book Saturday 11 a.m.-noon ET, and Sunday through Wednesday noon-1 p.m. ET, and on Punch Lines every Monday and Wednesday 3 p.m.-4 p.m. ET -- live from the South Point Sportsbook in Las Vegas. Follow @alexwhitee on Twitter/X . For more sports betting picks and tips , check out SportsbookWire.com and BetFTW . Follow SportsbookWire on Twitter/X and like us on Facebook . 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Detroit Lions at Indianapolis Colts odds, picks and predictions Tampa Bay Buccaneers at New York Giants odds, picks and predictions New England Patriots at Miami Dolphins odds, picks and predictionsATLANTA — Jimmy Carter, the peanut farmer who won the presidency in the wake of the Watergate scandal and Vietnam War, endured humbling defeat after one tumultuous term and then redefined life after the White House as a global humanitarian, has died. He was 100 years old. The longest-lived American president died Sunday, more than a year after entering hospice care, at his home in the small town of Plains, Georgia, where he and his wife, Rosalynn, who died at 96 in November 2023, spent most of their lives, The Carter Center said. “Our founder, former U.S. President Jimmy Carter, passed away this afternoon in Plains, Georgia,” the center said on the social media platform X. It added in a statement that he died peacefully, surrounded by his family. As reaction poured in from around the world, President Joe Biden mourned Carter’s death, saying the world lost an “extraordinary leader, statesman and humanitarian” and he lost a dear friend. Biden cited Carter’s compassion and moral clarity, his work to eradicate disease, forge peace, advance civil and human rights, promote free and fair elections, house the homeless and advocacy for the disadvantaged as an example for others. “To all of the young people in this nation and for anyone in search of what it means to live a life of purpose and meaning — the good life — study Jimmy Carter, a man of principle, faith and humility,” Biden said in a statement. “He showed that we are a great nation because we are a good people — decent and honorable, courageous and compassionate, humble and strong.” Biden said he is ordering a state funeral for Carter in Washington. Businessman, Navy officer, evangelist, politician, negotiator, author, woodworker, citizen of the world — Carter forged a path that still challenges political assumptions and stands out among the 45 men who reached the nation’s highest office. The 39th president leveraged his ambition with a keen intellect, deep religious faith and prodigious work ethic, conducting diplomatic missions into his 80s and building houses for the poor well into his 90s. “My faith demands — this is not optional — my faith demands that I do whatever I can, wherever I am, whenever I can, for as long as I can, with whatever I have to try to make a difference,” Carter once said. A moderate Democrat, Carter entered the 1976 presidential race as a little-known Georgia governor with a broad smile, outspoken Baptist mores and technocratic plans reflecting his education as an engineer. His no-frills campaign depended on public financing, and his promise not to deceive the American people resonated after Richard Nixon’s disgrace and U.S. defeat in southeast Asia. “If I ever lie to you, if I ever make a misleading statement, don’t vote for me. I would not deserve to be your president,” Carter repeated before narrowly beating Republican incumbent Gerald Ford, who lost popularity after pardoning Nixon. Carter governed amid Cold War pressures, turbulent oil markets and social upheaval over racism, women’s rights and America’s global role. His most acclaimed achievement in office was a Mideast peace deal that he brokered by keeping Egyptian President Anwar Sadat and Israeli Prime Minister Menachem Begin at the bargaining table for 13 days in 1978. That Camp David experience inspired the post-presidential center where Carter would establish so much of his legacy. Yet Carter’s electoral coalition splintered under double-digit inflation, gasoline lines and the 444-day hostage crisis in Iran. His bleakest hour came when eight Americans died in a failed hostage rescue in April 1980, helping to ensure his landslide defeat to Republican Ronald Reagan. Carter acknowledged in his 2020 “White House Diary” that he could be “micromanaging” and “excessively autocratic,” complicating dealings with Congress and the federal bureaucracy. He also turned a cold shoulder to Washington’s news media and lobbyists, not fully appreciating their influence on his political fortunes. “It didn’t take us long to realize that the underestimation existed, but by that time we were not able to repair the mistake,” Carter told historians in 1982, suggesting that he had “an inherent incompatibility” with Washington insiders. Carter insisted his overall approach was sound and that he achieved his primary objectives — to “protect our nation’s security and interests peacefully” and “enhance human rights here and abroad” — even if he fell spectacularly short of a second term. Ignominious defeat, though, allowed for renewal. The Carters founded The Carter Center in 1982 as a first-of-its-kind base of operations, asserting themselves as international peacemakers and champions of democracy, public health and human rights. “I was not interested in just building a museum or storing my White House records and memorabilia,” Carter wrote in a memoir published after his 90th birthday. “I wanted a place where we could work.” That work included easing nuclear tensions in North and South Korea, helping to avert a U.S. invasion of Haiti and negotiating cease-fires in Bosnia and Sudan. By 2022, The Carter Center had declared at least 113 elections in Latin America, Asia and Africa to be free or fraudulent. Recently, the center began monitoring U.S. elections as well. Carter’s stubborn self-assuredness and even self-righteousness proved effective once he was unencumbered by the Washington order, sometimes to the point of frustrating his successors. He went “where others are not treading,” he said, to places like Ethiopia, Liberia and North Korea, where he secured the release of an American who had wandered across the border in 2010. “I can say what I like. I can meet whom I want. I can take on projects that please me and reject the ones that don’t,” Carter said. He announced an arms-reduction-for-aid deal with North Korea without clearing the details with Bill Clinton’s White House. He openly criticized President George W. Bush for the 2003 invasion of Iraq. He also criticized America’s approach to Israel with his 2006 book “Palestine: Peace Not Apartheid.” And he repeatedly countered U.S. administrations by insisting North Korea should be included in international affairs, a position that most aligned Carter with Republican President Donald Trump. Among the center’s many public health initiatives, Carter vowed to eradicate the guinea worm parasite during his lifetime, and nearly achieved it: Cases dropped from millions in the 1980s to nearly a handful. With hard hats and hammers, the Carters also built homes with Habitat for Humanity. The Nobel committee’s 2002 Peace Prize cites his “untiring effort to find peaceful solutions to international conflicts, to advance democracy and human rights, and to promote economic and social development.” Carter should have won it alongside Sadat and Begin in 1978, the chairman added. Carter accepted the recognition saying there was more work to be done. “The world is now, in many ways, a more dangerous place,” he said. “The greater ease of travel and communication has not been matched by equal understanding and mutual respect.” Carter’s globetrotting took him to remote villages where he met little “Jimmy Carters,” so named by admiring parents. But he spent most of his days in the same one-story Plains house — expanded and guarded by Secret Service agents — where he and Rosalynn lived before he became governor. He regularly taught Sunday School lessons at Maranatha Baptist Church until his mobility declined and the coronavirus pandemic raged. Those sessions drew visitors from around the world to the small sanctuary where Carter will receive his final send-off after a state funeral at Washington’s National Cathedral. The common assessment that he was a better ex-president than president rankled Carter and his allies. His prolific post-presidency gave him a brand above politics, particularly for Americans too young to witness him in office. But Carter also lived long enough to see biographers and historians reassess his White House years more generously. His record includes the deregulation of key industries, reduction of U.S. dependence on foreign oil, cautious management of the national debt and notable legislation on the environment, education and mental health. He focused on human rights in foreign policy, pressuring dictators to release thousands of political prisoners. He acknowledged America’s historical imperialism, pardoned Vietnam War draft evaders and relinquished control of the Panama Canal. He normalized relations with China. “I am not nominating Jimmy Carter for a place on Mount Rushmore,” Stuart Eizenstat, Carter’s domestic policy director, wrote in a 2018 book. “He was not a great president” but also not the “hapless and weak” caricature voters rejected in 1980, Eizenstat said. Rather, Carter “delivered results, many of which were realized only after he left office.” Madeleine Albright, a national security staffer for Carter and Clinton’s secretary of state, wrote in Eizenstat’s forward that Carter was “consequential and successful” and expressed hope that “perceptions will continue to evolve” about his presidency. “Our country was lucky to have him as our leader,” said Albright, who died in 2022. Jonathan Alter, who penned a comprehensive Carter biography published in 2020, said in an interview that Carter should be remembered for “an epic American life” spanning from a humble start in a home with no electricity or indoor plumbing through decades on the world stage across two centuries. “He will likely go down as one of the most misunderstood and underestimated figures in American history,” Alter told The Associated Press. Get local news delivered to your inbox!Denmark Moves Toward Permanent Medical Cannabis Program
Join Costco and get a $45 gift card with your membership - the best deal yetQuest Partners LLC purchased a new position in shares of SM Energy ( NYSE:SM – Free Report ) during the third quarter, according to the company in its most recent filing with the Securities and Exchange Commission (SEC). The fund purchased 15,633 shares of the energy company’s stock, valued at approximately $625,000. A number of other hedge funds also recently made changes to their positions in the business. Royce & Associates LP raised its holdings in shares of SM Energy by 5.4% in the 3rd quarter. Royce & Associates LP now owns 217,879 shares of the energy company’s stock worth $8,709,000 after buying an additional 11,153 shares in the last quarter. Cornercap Investment Counsel Inc. bought a new stake in SM Energy in the third quarter valued at $458,000. KBC Group NV raised its stake in SM Energy by 16.7% during the third quarter. KBC Group NV now owns 3,321 shares of the energy company’s stock worth $133,000 after acquiring an additional 476 shares in the last quarter. Plato Investment Management Ltd lifted its holdings in shares of SM Energy by 554.7% during the third quarter. Plato Investment Management Ltd now owns 3,863 shares of the energy company’s stock valued at $154,000 after acquiring an additional 3,273 shares during the period. Finally, Victory Capital Management Inc. boosted its stake in shares of SM Energy by 30.4% in the 3rd quarter. Victory Capital Management Inc. now owns 102,324 shares of the energy company’s stock valued at $4,090,000 after purchasing an additional 23,831 shares in the last quarter. Institutional investors and hedge funds own 94.56% of the company’s stock. Analyst Upgrades and Downgrades Several equities analysts recently issued reports on the stock. Tudor Pickering raised shares of SM Energy to a “strong-buy” rating in a report on Wednesday, August 21st. BMO Capital Markets decreased their price target on SM Energy from $50.00 to $48.00 and set a “market perform” rating on the stock in a research report on Friday, October 4th. Tudor, Pickering, Holt & Co. upgraded SM Energy from a “hold” rating to a “buy” rating in a research report on Wednesday, August 21st. JPMorgan Chase & Co. increased their target price on SM Energy from $50.00 to $54.00 and gave the stock an “overweight” rating in a report on Tuesday, October 8th. Finally, Royal Bank of Canada reaffirmed a “sector perform” rating and issued a $50.00 price target on shares of SM Energy in a report on Tuesday, October 8th. Six equities research analysts have rated the stock with a hold rating, eight have given a buy rating and one has given a strong buy rating to the company. According to data from MarketBeat.com, the company has an average rating of “Moderate Buy” and an average target price of $51.09. SM Energy Stock Up 1.3 % Shares of NYSE:SM opened at $46.03 on Friday. The company has a debt-to-equity ratio of 0.67, a current ratio of 3.52 and a quick ratio of 3.52. The stock has a market cap of $5.27 billion, a price-to-earnings ratio of 6.43 and a beta of 4.18. The company has a 50 day moving average of $42.77 and a 200-day moving average of $44.72. SM Energy has a one year low of $34.13 and a one year high of $53.26. SM Energy ( NYSE:SM – Get Free Report ) last issued its earnings results on Thursday, October 31st. The energy company reported $1.62 EPS for the quarter, beating the consensus estimate of $1.52 by $0.10. The company had revenue of $643.60 million during the quarter, compared to analysts’ expectations of $643.67 million. SM Energy had a net margin of 33.89% and a return on equity of 19.62%. The business’s revenue for the quarter was up .4% compared to the same quarter last year. During the same quarter in the previous year, the company posted $1.73 EPS. On average, sell-side analysts forecast that SM Energy will post 6.77 earnings per share for the current year. SM Energy Increases Dividend The business also recently announced a quarterly dividend, which was paid on Monday, November 4th. Shareholders of record on Friday, October 25th were issued a dividend of $0.20 per share. The ex-dividend date was Friday, October 25th. This represents a $0.80 dividend on an annualized basis and a yield of 1.74%. This is a boost from SM Energy’s previous quarterly dividend of $0.18. SM Energy’s dividend payout ratio (DPR) is 11.17%. SM Energy Profile ( Free Report ) SM Energy Company, an independent energy company, engages in the acquisition, exploration, development, and production of oil, gas, and natural gas liquids in the state of Texas. It has working interests in oil and gas producing wells in the Midland Basin and South Texas. The company was formerly known as St. Featured Stories Want to see what other hedge funds are holding SM? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for SM Energy ( NYSE:SM – Free Report ). Receive News & Ratings for SM Energy Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for SM Energy and related companies with MarketBeat.com's FREE daily email newsletter .
CHICAGO (AP) — Matt Duchene and Jamie Benn each had a goal and two assists, and the Dallas Stars beat the Chicago Blackhawks 5-1 on Sunday night. Jason Robertson, Evgenii Dadonov and Wyatt Johnston each had a goal and an assist for Dallas, which had lost three of four. Jake Oettinger made 24 saves. Chicago dropped its fourth consecutive game. It lost three of four in its season series against Dallas. Connor Bedard scored his 10th goal for the Blackhawks, and Arvid Soderblom made 26 stops. Next up for Bedard and company is the Winter Classic on Tuesday against St. Louis. Dallas grabbed control after Chicago forward Tyler Bertuzzi was ejected 8:11 into the second period. Bertuzzi was sent off for elbowing Stars forward Colin Blackwell in the face. Robertson made it 2-1 when he converted a wrist shot from the right circle at 8:23. It was Robertson's first goal since Dec. 14 and No. 8 on the season. Dadonov got a slick pass from Duchene and scored his 10th goal with 5:14 left in the second. Takeaways Stars: Miro Heiskanen added two assists as the Stars used their superior depth to control much of the game. Blackhawks: Once again, not enough offensive opportunities. It has been a recurring problem for the Blackhawks for much of the season so far. Key moment Johnston's stick broke right before he scored his eighth goal 10 seconds into the third period. Duchene's pass went off Johnston and past Soderblom, giving the Stars a 3-1 lead. Key stat The Stars are 12-3-0 against the Blackhawks since the 2021-22 season. Up next Dallas opens a three-game homestand on Tuesday night against Buffalo. Chicago plays St. Louis on Tuesday at Wrigley Field. AP NHL: https://apnews.com/hub/nhl
Matt Duchene and Jamie Benn lead the Stars past the Blackhawks 5-1Government to block incinerators that do not contribute to green plansCall Recording Software Market Size and Forecast 12-24-2024 04:51 PM CET | Business, Economy, Finances, Banking & Insurance Press release from: Verified Market Reports Call Recording Software Market USA, New Jersey- The global Call Recording Software Market is expected to record a CAGR of XX.X% from 2024 to 2031 In 2024, the market size is projected to reach a valuation of USD XX.X Billion. By 2031 the valuation is anticipated to reach USD XX.X Billion. The call recording software market is witnessing steady growth, driven by increasing demand from businesses for efficient communication management and compliance with legal regulations. Call recording software enables businesses to record, store, and analyze phone calls for quality assurance, training, dispute resolution, and regulatory compliance. The market is expanding with the rising need for enhanced customer service and improved operational efficiency. Additionally, the adoption of cloud-based call recording solutions is increasing, as they offer scalability, flexibility, and cost-effectiveness. The market scope spans across various industries, including telecommunications, finance, healthcare, and customer support. With the growing emphasis on data security and compliance with regulations like GDPR and PCI-DSS, the call recording software market is expected to expand globally, particularly in North America, Europe, and the Asia-Pacific regions, which have significant investments in advanced communication technologies. Request PDF Sample Copy of Report: (Including Full TOC, List of Tables & Figures, Chart) @ https://www.verifiedmarketreports.com/download-sample/?rid=104330&utm_source=Openpr&utm_medium=288 The growth of the call recording software market is primarily driven by the increasing need for businesses to comply with legal and regulatory requirements, such as GDPR, PCI-DSS, and HIPAA. Call recording software allows businesses to capture and store conversations for legal purposes, ensuring compliance and avoiding costly fines. Another key driver is the growing emphasis on improving customer experience and satisfaction. Call recording enables businesses to monitor and evaluate customer interactions, leading to improved service quality, agent performance, and better decision-making. Furthermore, the adoption of cloud-based solutions is driving market growth, as these offer cost-effective and scalable options for businesses of all sizes. However, the market faces some restraints. High implementation costs and the complexity of integrating call recording software with existing communication systems can be barriers for small and medium-sized businesses. Additionally, concerns over data privacy and security remain significant challenges, particularly with the rise of data breaches and cyberattacks. As businesses increasingly handle sensitive customer data, ensuring compliance with data protection laws and safeguarding recorded information becomes a critical issue. Despite these challenges, the market dynamics remain favorable, with continuous advancements in artificial intelligence, machine learning, and cloud computing driving innovation. The growing adoption of remote work, coupled with the need for enhanced customer service, will likely continue to fuel the demand for call recording software in the coming years. Get a Discount On The Purchase Of This Report @ https://www.verifiedmarketreports.com/ask-for-discount/?rid=104330&utm_source=Openpr&utm_medium=288 The following Key Segments Are Covered in Our Report Call Recording Software Market Segmentaion Analysis, By Type Cloud-based On-premises Call Recording Software Market Segmentaion Analysis, By Application PC Terminal Mobile Terminal Major companies in Call Recording Software Market are: Bitrix24, CrazyCall, Five9, PhoneBurner, Genesys, Dialpad, Nextiva, Talkdesk, Aircall, XenCALL, Zendesk, RingCentral Global Call Recording Software Market Regional Analysis North America: North America is a significant player in the global Call Recording Software , with the United States and Canada being major contributors. The region benefits from a robust economy, technological advancements, and a strong consumer base with high purchasing power. Europe: Europe is another major region in the global Call Recording Software , comprising countries such as the United Kingdom, Germany, France, and Italy. The region is characterized by a mature market with well-established infrastructure and consumer preferences. Asia-Pacific: Asia-Pacific is a rapidly growing region in the global Call Recording Software , driven by countries such as China, Japan, India, and South Korea. The region benefits from a large population, rising disposable income, and increasing urbanization, leading to greater demand for Call Recording Software products and services. Latin America: Latin America presents opportunities and challenges for the Call Recording Software , with countries like Brazil, Mexico, and Argentina being key players. Economic fluctuations and political instability in some countries can impact market dynamics and consumer behavior. Middle East and Africa: The Middle East and Africa represent emerging markets in the global Call Recording Software , with countries like UAE, Saudi Arabia, South Africa, and Nigeria showing promising growth potential. Economic diversification efforts, urbanization, and a young population are driving demand for Okra Seeds products and services in the region. Frequently Asked Questions (FAQ) 1. What are the present scale and future growth prospects of the Call Recording Software Market? Answer: The Call Recording Software Market is anticipated to witness a compound annual growth rate (CAGR) of XX% from 2024 to 2031, transitioning from a valuation of USD XX Billion in 2023 to USD XX billion by 2031. 2. What is the current state of the Call Recording Software Market? Answer: As of the latest data, the Call Recording Software Market is experiencing growth, stability, and challenges. 3. Who are the key players in the Call Recording Software Market? Answer: Prominent players in the Call Recording Software Market include key companies, known for their notable characteristics or strengths. 4. What factors are driving the growth of the Call Recording Software Market? Answer: The growth of the Call Recording Software Market can be attributed to factors such as key drivers technological advancements, increasing demand, and regulatory support. 5. Are there any challenges affecting the Call Recording Software Market? Answer: The Call Recording Software 's challenges include competition, regulatory hurdles, and economic factors. 6. How is the competitive landscape in the Call Recording Software Market? Answer: The competitive landscape is characterized by the competitive dynamics - key players, market share, and strategies. 7. What are the key trends shaping the Call Recording Software Market? Answer: Current trends in the Call Recording Software Market include significant technological innovations and changing consumer preferences. For More Information or Query, Visit @ https://www.verifiedmarketreports.com/product/global-call-recording-software-market-growth-status-and-outlook-2019-2024/ Cyber Knife Market https://www.verifiedmarketreports.com/product/cyber-knife-market-size-and-forecast/ Durable Medical Equipment (DME) Market https://www.verifiedmarketreports.com/product/durable-medical-equipment-dme-market-size-and-forecast/ Genetic Disease Diagnostic Market https://www.verifiedmarketreports.com/product/genetic-disease-diagnostic-market-size-and-forecast/ Podiatry Lasers Market https://www.verifiedmarketreports.com/product/podiatry-lasers-market-size-and-forecast/ Cosmetic Threads Market https://www.verifiedmarketreports.com/product/cosmetic-threads-market-size-and-forecast/ "Contact us: Mr. Edwyne Fernandes Verified Market Reports® US: +1 (650)-781-4080 UK: +44 (753)-715-0008 APAC: +61 (488)-85-9400 US Toll-Free: +1 (800)-782-1768 Email: sales@verifiedmarketreports.com Website:- https://www.verifiedmarketreports.com " "About Us: Verified Market Reports® Verified Market Reports is a leading Global Research and Consulting firm servicing over 5000+ global clients. We provide advanced analytical research solutions while offering information-enriched research studies. We also offer insights into strategic and growth analyses and data necessary to achieve corporate goals and critical revenue decisions. Our 250 Analysts and SMEs offer a high level of expertise in data collection and governance using industrial techniques to collect and analyze data on more than 25,000 high-impact and niche markets. Our analysts are trained to combine modern data collection techniques, superior research methodology, expertise, and years of collective experience to produce informative and accurate research." This release was published on openPR.
Global Monitor Says Famine Is Weeks Away in North Gaza. A US Diplomat Calls Warning 'Irresponsible'
Singer Diljit Dosanjh dedicated his concert in Guwahati to former Prime Minister Manmohan Singh. Taking to Instagram on Sunday, Diljit posted a clip after his Dil-Luminati show. The singer also praised the late PM and urged the youth to learn how to tackle tough situations from Manmohan Singh. (Also Read | Diljit Dosanjh pays heartfelt tribute to Manmohan Sing h) Diljit Dosanjh pays tribute to late Manmohan Singh In the video, Diljit paid respect to Manmohan Singh . Talking about the simplicity of the former politician, Diljit said, "Agar main unki life ki journey ki taraf dekhu, toh unhone itna saada jeewan jia hai. Agar unko kisi ne bura bhi bola, toh unhone kabhi ulta jawaab nhi diya. Halanki politics ke career me ye sabse mushkil kaam hai (If I look at his life, he led a very simple one. Even if someone spoke ill about him, he never answered back. This is, however, the toughest thing to do in politics)." Diljit remembers late PM's quote Diljit even shared a quote by the late PM, "Hazaron jawab o se meri khamoshi acchi, najane kitne sawalon ki aabrun rakhe." It loosely translates to – My silence is better than a thousand answers, it has saved the grace of many questions. A post shared by DILJIT DOSANJH (@diljitdosanjh) He added, "I think today's youth should learn it, I should too. We should focus on our goals even if people speak worst about us and try to distract us. The one who is speaking badly about us is also an avatar of God. You are being tested on how you react to it." Sharing the video, Diljit wrote, “Today’s Concert is dedicated to Dr Manmohan Singh Ji (folded hands emoji). DIL-LUMINATI TOUR Year 24 (lotus emoji).” Manmohan Singh died on Thursday at 92 in Delhi after a prolonged illness. His political career spanned several decades, with notable positions including Finance Minister from 1991 to 1996. He served as the 13th Prime Minister of India from 2004 to 2014, succeeding Atal Bihari Vajpayee.Didn't get everything you wanted on Christmas Day or did Santa leave you some money under the tree? Now is a good time to go online shopping. All of the major retailers have launched their Christmas sales and Argos is just one store that has slashed prices across a swathe of devices. There are some decent discounts on offer with iPhone, iPad, headphone and TV deals all available right now. There are hundreds of price cuts so to help you find the best and biggest bargains, Express.co.uk has been Christmas shopping and here are 7 top picks from Argos Apple iPhone 12 NOW £399 - SAVE £100 BOXING DAY DEAL: The iPhone 12 isn't as feature-packed as the latest iPhone 16 but this remains a solid smartphone that's half the price of buying Apple's newest model. You get a 6.1-inch screen, powerful A14 Bionic processor, dual-lens camera and wireless charging. Right now there's £100 off. SEE THE iPHONE DEAL HERE Ring Doorbell with £10 Echo NOW £59.99 - PLUS GET AN ECHO FOR £10 BOXING DAY DEAL: The latest Ring doorbell now offers improved video recordings, longer battery life and an easier way to install it yourself. It was £99 but that price has been dropped to just £59. That's not all as those popping one in their shopping basket can also add an Echo Pop - worth over £40 - for just £10. SEE THE RING DEAL HERE Fitbit Inspire 3 NOW £59 - SAVE £25.99 BOXING DAY DEAL: Want to get fit after all that Christmas food. The Inspire 3 from Fitbit will help get you moving and it's now at the "lowest ever price" from Argos. You can track your steps, calories, sleep and heart rate 24/7 on this slim and subtle activity tracker, which can also track your runs when connected to your phone. SEE THE FITBIT INSPIRE 3 DEAL HERE Echo Pop NOW £18.99 - SAVE £26 BOXING DAY DEAL: It's usually priced at £44.99 but the Boxing Day sales have seen the Echo Pop dropped to just £18.99. For that very low price, you get a device that offers decent sound, full access to Alexa, and it can even extend your Wi-Fi thanks to built-in Eero technology. SEE THE POP DEAL HERE Apple iPad NOW £289 - SAVE £50 BOXING DAY DEAL: The iPad 10th Gen was slashed in price for Black Friday, now the deal is back with £50 off the usual price. This top tablet is powered by the A14 Bionic processor, gets a Liquid Retina display and is compatible with the latest Apple Pencil. SEE THE IPAD DEAL HERE Toshiba 50-Inch TV NOW £299 - SAVE £60 BOXING DAY DEAL: This Toshiba telly not only gets a stunning 50-inch UHD display, decent sound and plenty of smart features but is also powered by Freely. That means you get full access to live and on-demand channels without the need for an aerial. All content is beamed to the big screen using a broadband connection instead. 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Farm distress, Maratha quota, Hindutva card may shape state’s political road mapKin accuse docs of negligence after patient dies at Lari
News that President-elect Donald Trump’s team wants to hack away at the forbidding tangle of U.S. bank regulation is welcome in the abstract. In practice, though, much will depend on the details. The goal should be simplifying financial oversight more broadly — not just defanging a tough watchdog. No doubt, the current system is unwieldy. At the federal level — excluding an array of separate state regulators — three entities oversee banks, two supervise markets, one aims to protect consumers and another defends against financial crimes. Many large institutions must submit to all of them. Senior managers of an average bank today spend some 42 percent of their time on compliance-related tasks. Worse, such fragmentation at times allows risks to fall through the cracks. Much of this system was designed decades ago for a simpler world. One glaring example is the separation of the Securities and Exchange Commission and the Commodity Futures Trading Commission. One was established 90 years ago to protect investors in securities such as stocks and bonds; the other was created 50 years ago to oversee commodities markets and related futures and options contracts. Today, when many financial companies trade in both markets, the two supervisors often overlap and don’t always properly communicate. In 2011, after the chaotic bankruptcy of derivatives broker MF Global Holdings Ltd., a congressional postmortem detailed how the commissions failed to coordinate their approach to the company’s deteriorating finances and disagreed about where to safeguard its customers’ money. Such bifurcation is anomalous by global standards, and policymakers have been talking about combining the two for decades. In a familiar tale, however, politics has taken precedence over common sense: The House Committee on Agriculture has been loath to cede its oversight of the CFTC, which attracts hefty campaign donations from financial companies. (The SEC is under the House Financial Services Committee.) If Trump wants a relatively clear-cut reform, this would be a good place to start. Merging the two commissions would help streamline the rules, reduce compliance costs and ease cooperation with regulators overseas. It would be an ambitious change but not a radical one: Both a former CFTC commissioner and a current SEC commissioner have endorsed the idea. Reforming banking oversight would be less straightforward. It’s true that the U.S. has too many regulators — including the Federal Reserve, the Treasury Department’s Office of the Comptroller of the Currency and the Federal Deposit Insurance Corp. — in addition to state banking authorities. But this morass defies easy fixes; simply folding the FDIC into the Treasury Department, as the Trump team is considering, will likely create more problems than it solves. A better approach would be to create a single prudential authority charged with protecting the financial system. The new body could be overseen by a board that includes representatives from the Fed, the Treasury and the FDIC, while doing away with the OCC entirely. Ideally it would also oversee nonbank companies, such as asset managers, that play a significant role in the system. Such a regulator could focus more on essential risks than on box-checking exercises or turf wars. It would be less susceptible to influence by the companies it oversees and could (in theory) allow for streamlined compliance. It would also make clear where the buck stops when things go wrong. Such far-reaching reforms would require political skill and sustained effort, which were not hallmarks of Trump’s previous term. The ambition is laudable all the same. In regulation as in life, simplicity is a virtue. — Bloomberg News
ATLANTA (AP) — Jimmy Carter, the peanut farmer who tried to restore virtue to the White House after the Watergate scandal and Vietnam War, then rebounded from a landslide defeat to become a global advocate of human rights and democracy, has died. He was 100 years old . The Carter Center said the 39th president died Sunday afternoon, roughly 22 months after entering hospice care , at his home in Plains, Georgia, where he and his wife, Rosalynn, who died in November 2023, lived most of their lives. The center said he died peacefully, surrounded by his family. President Joe Biden mourned Carter’s death, saying the world lost an “extraordinary leader, statesman and humanitarian” and he also lost a dear friend. Biden cited Carter’s work to eradicate disease, forge peace, advance civil and human rights, promote free and fair elections and house the homeless as an example for others. Biden spoke later Sunday evening about Carter, calling it a “sad day” but one that “brings back an incredible amount of good memories." “I’ve been hanging out with Jimmy Carter for over 50 years,” Biden said in his remarks. He recalled the former president being a comfort to him and his wife Jill when their son Beau died in 2015 of cancer. The president remarked how cancer was a common bond between their families, with Carter himself having cancer later in his life. “Jimmy knew the ravages of the disease too well,” said Biden. The president has ordered a state funeral for Carter in Washington. A moderate Democrat, Carter ran for president in 1976 as a little-known Georgia governor with a broad grin, effusive Baptist faith and technocratic plans for efficient government. His promise to never deceive the American people resonated after Richard Nixon’s disgrace and U.S. defeat in southeast Asia. “If I ever lie to you, if I ever make a misleading statement, don’t vote for me. I would not deserve to be your president,” Carter said. Carter’s victory over Republican Gerald Ford, whose fortunes fell after pardoning Nixon, came amid Cold War pressures, turbulent oil markets and social upheaval over race, women’s rights and America’s role in the world. His achievements included brokering Mideast peace by keeping Egyptian President Anwar Sadat and Israeli Prime Minister Menachem Begin at Camp David for 13 days in 1978. But his coalition splintered under double-digit inflation and the 444-day hostage crisis in Iran. His negotiations ultimately brought all the hostages home alive, but in a final insult, Iran didn’t release them until the inauguration of Ronald Reagan, who had trounced him in the 1980 election. Humbled and back home in Georgia, Carter said his faith demanded he keep doing whatever he could, for as long as he could, to try to make a difference. He and Rosalynn co-founded The Carter Center in 1982 and spent the next 40 years traveling the world as peacemakers, human rights advocates and champions of democracy and public health. Awarded the Nobel Peace Prize in 2002, Carter helped ease nuclear tensions in North and South Korea, avert a U.S. invasion of Haiti and negotiate cease-fires in Bosnia and Sudan. By 2022, the center had monitored at least 113 elections around the world. Carter was determined to eradicate guinea worm infections as one of many health initiatives. Swinging hammers into their 90s, the Carters built homes with Habitat for Humanity. The common observation that he was better as an ex-president rankled Carter. His allies were pleased he lived long enough to see biographers and historians revisit his presidency and declare it more impactful than many understood at the time. Propelled in 1976 by voters in Iowa and then across the South, Carter ran a no-frills campaign. Americans were captivated by the earnest engineer, and while an election-year Playboy interview drew snickers when he said he “had looked on many women with lust. I’ve committed adultery in my heart many times,” voters weary of political cynicism found it endearing. The first family set an informal tone in the White House, carrying their own luggage, trying to silence the Marine Band’s traditional “Hail to the Chief" and enrolling daughter Amy in public schools. Carter was lampooned for wearing a cardigan and urging Americans to turn down their thermostats. But Carter set the stage for an economic revival and sharply reduced America's dependence on foreign oil by deregulating the energy industry along with airlines, trains and trucking. He established the departments of Energy and Education, appointed record numbers of women and nonwhites to federal posts, preserved millions of acres of Alaskan wilderness and pardoned most Vietnam draft evaders. Emphasizing human rights , he ended most support for military dictators and took on bribery by multinational corporations by signing the Foreign Corrupt Practices Act. He persuaded the Senate to ratify the Panama Canal treaties and normalized relations with China, an outgrowth of Nixon’s outreach to Beijing. But crippling turns in foreign affairs took their toll. When OPEC hiked crude prices, making drivers line up for gasoline as inflation spiked to 11%, Carter tried to encourage Americans to overcome “a crisis of confidence.” Many voters lost confidence in Carter instead after the infamous address that media dubbed his “malaise" speech, even though he never used that word. After Carter reluctantly agreed to admit the exiled Shah of Iran to the U.S. for medical treatment, the American Embassy in Tehran was overrun in 1979. Negotiations to quickly free the hostages broke down, and then eight Americans died when a top-secret military rescue attempt failed. Carter also had to reverse course on the SALT II nuclear arms treaty after the Soviets invaded Afghanistan in 1979. Though historians would later credit Carter's diplomatic efforts for hastening the end of the Cold war, Republicans labeled his soft power weak. Reagan’s “make America great again” appeals resonated, and he beat Carter in all but six states. Born Oct. 1, 1924, James Earl Carter Jr. married fellow Plains native Rosalynn Smith in 1946, the year he graduated from the Naval Academy. He brought his young family back to Plains after his father died, abandoning his Navy career, and they soon turned their ambitions to politics . Carter reached the state Senate in 1962. After rural white and Black voters elected him governor in 1970, he drew national attention by declaring that “the time for racial discrimination is over.” Carter published more than 30 books and remained influential as his center turned its democracy advocacy onto U.S. politics, monitoring an audit of Georgia’s 2020 presidential election results. After a 2015 cancer diagnosis, Carter said he felt “perfectly at ease with whatever comes.” “I’ve had a wonderful life,” he said. “I’ve had thousands of friends, I’ve had an exciting, adventurous and gratifying existence.” Sanz is a former Associated Press reporter.
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