TEMPLEGATE tackles Saturday's action in red-hot form - and hoping the weather allows us to punt some top-class racing. Back a horse by clicking their odds below. The big race (hopefully) is the Betfair Tingle Creek at 3pm. Good luck! The only place to get Templegate's tips first - and at the best prices - is by joining Sun Racing's brilliant Members Enclosure. Sign up now for just £1* to be part of racing's best winning team and get... Become a member today for just £1* *For the first month then £3 per month thereafter. SIGN UP NOW 18+ Ts and Cs apply. First month membership £1, then £3 per month unless you cancel at least 7 days before your next billing date. For more information contact help@thesun.co.uk ARIZONA CARDINAL (2.07 Aintree, nap) He was the game winner of the Topham in April and looked rusty on his comeback at Chepstow last time. He still looks on a fair weight and has no stamina issues with testing ground his favourite. Gets the nod over fences that he took really well to last time. MONTGOMERY (3.35 Sandown, nb) He looks tailormade for marathons like this, especially if more rain comes as he is best in the mud. He landed wins at Bangor and Leicester last season and Venetia Williams has been sending out winners galore in the past few weeks. He’s gone up the weights but has more to offer. WILLMOUNT (2.25 Sandown, treble) He can hit the highs for Nicky Henderson. He was good enough to go off favourite for the Grade 1 Challow Hurdle last time. He picked up an injury during that race which has kept him off for 12 months. He’s gone well fresh and his opening mark of 130 looks on the lenient side if this six-year-old can fulfill his potential. Templegate's TV verdicts SANDOWN 1.15 DUBROVNIK HARRY was last seen going close in hot company at Sandown. He sees out this trip strongly and has few miles on the clock. Harry Fry’s hope goes well fresh and enjoys some cut in the ground. Henri The Second looked rusty after a year off last time and wasn’t helped by hitting traffic problems up the straight. The Nicholls runner will come on for that and looks dangerous. West To The Bridge hasn’t won for a while but was just two lengths away at Bangor latest. He’s gone well here before and should be in the mix. Up For Parol was a regular on the podium last season and has an each-way shout from his falling mark. 1.50 L’EAU DU SUD couldn’t have done any better since going over fences with an easy debut success at Stratford before an impressive 11-length victory in a Cheltenham Grade 2. He jumped brilliantly there, has lots of pace, and could be going to the very top. Down Memory Lane was Grade 1 class over hurdles and looked a natural when scoring by seven lengths on chase debut at Navan last month. He should take a big step up on that. Touch Me Not was impressive at Punchestown just 13 days ago. He jumped well and can’t be ruled out. Rubaud is thrown into the deep end for this chase debut. He has been in fine form over timber and is one to watch for the future. 2.25 WILLMOUNT can hit the highs for Nicky Henderson. He was good enough to go off favourite for the Grade 1 Challow Hurdle last time. He picked up an injury during that race which has kept him off for 12 months. He’s gone well fresh and his opening mark of 130 looks on the lenient side if this six-year-old can fulfill his potential. Altobelli has dropped below the mark that saw him hit the podium twice at Ascot last season. He can figure if trainer Harry Fry’s got him wound up. Knickerbockerglory kicked off last season with a game win at Ascot and this may be the time to catch him. Nemean Lion was a Grade 2 winner at Wincanton in February and will find this easier than the Grade 1s he’s been contesting. 3.00 JONBON sauntered to victory in this race 12 months ago and can maintain his 100% record at Sandown. He comes here in fine form having scored on comeback at Cheltenham last month and he’s fine on any ground. It will take a huge effort to topple him. Last year’s second Boothill looks a big price for the forecast spot. He was less than two lengths off Jonbon in the Schloer last time and a repeat of that would take him into the placings. Edwardstone was third in that race and could get a bit closer with that under his belt. Henry De Bromhead sends over Quilixios who returned with a smooth success at Naas last month. He’ll need to improve on that to beat Jonbon but has solid place claims. 3.35 MONTGOMERY looks tailormade for marathons like this, especially if more rain comes as he is best in the mud. He landed wins at Bangor and Leicester last season and Venetia Williams has been sending out winners galore in the past few weeks. He’s gone up the weights but has more to offer. Certainly Red got the job done nicely at Sandown last month and is another who stays all day. He’s off a career-high mark but will be competitive. Unanswered Prayers won the Southern National at Fontwell and a 4lb rise for that should be no problem. This is a stronger contest but he has every chance of making the frame. Mr Vango is being targeted at the Welsh National so may need this run on comeback despite conditions being ideal especially if the forecast rain arrives. AINTREE 1.32 RICHMOND LAKE won this race 12 months ago and can follow up off the same handicap mark. He ran well here when fourth on comeback last time and loves soft ground. No Risk Des Flos put in a solid effort at Stratford latest and has tumbled down the weights. He’s another who relishes plenty of cut underfoot. Springwell Bay won a Listed contest on return but didn’t stay when third at Cheltenham latest. This trip will suit much better. Dr TJ Eckleburg had plenty left in the tank when scoring at Haydock two weeks ago and can figure again despite a 7lb rise. Grandads Cottage ran well in the Topham but may need this run. 2.42 LIAM SWAGGER can keep the James Owen bandwagon rolling. He’s been sending out plenty of hurdles winners who were useful on the Flat and this three-year-old showed his class when scoring in Listed company at Wetherby last time. He likes this trip and has a lot more to come. Static was second to the tip in Yorkshire before more than matching that form when going close in a Cheltenham Grade 2. There won’t be a lot between them again. Quantock Hills was a winner in France and landed his first victory on this side of the Channel at Fontwell three weeks ago. This is a fair hike in class but he has more to offer for Warren Greatrex. Melon was a minor winner on the Flat at Haydock in September and this looks a tough contest for his hurdles debut. 3.17 CHOCCABLOC won first-up last season and can repeat the feat for Nicky Henderson. He progressed nicely last season and finished with a good second over this trip at Ayr’s Scottish Grand National meeting. He starts handicapping off a fair mark. Getalead has been busy this season, winning three of his past four runs at lesser levels. This trip suits and he gets on well with today’s rival who takes off a handy 7lb. He’ll have to improve but there’s every chance he will. Pyramid Place had a fair bit in hand when winning at Kempton last month. He won on his last visit here in May and will be competitive despite going up the weights. Olly Murphy stablemate Tamar Bridge also likes it here and will be fitter for his comeback from two years off at Uttoxeter. Santos Blue loves the mud so the more rain the better for his chances. A responsible gambler is someone who: Find our detailed guide on responsible gambling practices here.Las Vegas quarterback Gardner Minshew is out for the season due to a broken collarbone, head coach Antonio Pierce confirmed on Monday, leaving the Raiders with a short week to determine their starter. Minshew suffered the injury when he was sacked and landed on his left shoulder late in the fourth quarter of Las Vegas' 29-19 home loss to the Denver Broncos. Former starter Aidan O'Connell, who was sidelined by a thumb injury in Week 7, could return off injured reserve in time for the Raiders (2-9) to face the two-time reigning Super Bowl champion Chiefs (10-1) on Friday in Kansas City. "We'll see if Aidan is good to go," Pierce said. "He's been ramping up." O'Connell entered the 21-day practice window on Monday as the Raiders determine when to activate him. "Seeing him able to grip the ball comfortable, hopefully, no pain there, and just being able to be efficient," Pierce said. "To put a player out there that's hurting or injured still, that's not to the benefit of the player or our team." O'Connell, 26, has played in four games this season, starting two (both losses). He is 52 of 82 (63.4 percent) for 455 yards, two touchdowns and two interceptions. As a rookie last season, O'Connell started 10 of 11 games, going 5-5, and completed 213 of 343 passes (62.1 percent) for 2,218 yards, 12 TDs and seven interceptions. The Raiders selected O'Connell in the fourth round of the 2023 NFL Draft. "Obviously at the quarterback position, you've got to be smart," Pierce said. "I think with Aidan, his future's much brighter looking ahead. ... I'll have to really rely on our doctors and medical staff." Desmond Ridder replaced Minshew and went 5 of 10 for 64 yards. Ridder, 25, has appeared in three games this season for Las Vegas and is 16 of 26 (61.5 percent) for 138 yards and one TD. Ridder played the previous two seasons for the Atlanta Falcons, who selected him in the third round of the 2022 draft. For his career, he is 338 of 529 (63.9 percent) for 3,682 yards, 15 TDs and 12 interceptions in 22 games (17 starts, 8-9 record). Minshew, 28, completed 25 of 42 passes for 230 yards with one touchdown and one interception against the Broncos. He finished his first season with the Raiders with 2,013 yards, nine TDs and 10 picks on 66.3 percent passing. He joined the Raiders in free agency after stints in Jacksonville (2019-20), Philadelphia (2021-22) and Indianapolis (2023) and won the starting job in camp. But he was benched multiple times for O'Connell as the Raiders struggled as a team. --Field Level MediaNebraska football defeats Wisconsin 44-25, securing program’s first bowl game since 2016
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Bajaj MUMBAI: Through its AI initiative - FinAI , a key pillar of Bajaj Finance 3.0 - the company aims to triple lead conversion rates , double back-office productivity, and boost front-line performance by 1.5 times. The company's AI-driven transformation will integrate with its existing cloud and digital infrastructure, said Rajeev Jain, managing director of Bajaj Finance. "We've always been early adopters of technology," he said, adding, "Technology drives revenue growth, reduces costs, and mitigates operational risks. AI will take this a step further by improving customer engagement, lowering operating expenses, and augmenting profitability." Over the past year, the company has tested over 30 AI use cases to validate its effectiveness. "Ninety percent of our computers operate on Microsoft Azure, and our data lake supports hundreds of thousands of variables," he said. "These foundations make AI a logical next step." One significant use case for AI at Bajaj Finance is conversational AI. Jain explained, "Currently, SMS communication is static. With AI, messages will include interactive links. For instance, if a customer clicks a link, they can specify preferences like a smartphone instead of a smart TV. AI will then provide options, specifications, and prices, even connecting them to a dealer... Over the next four years, we aim to reduce operating cost-to-net-interest-margin ratio by 100 basis points." Jain emphasised that AI will complement existing systems rather than replace them. "AI will integrate into our current cloud, data, and digital infrastructure. However, physical processes like KYC and AML compliance will remain essential due to regulatory requirements," he said. Discussing the broader lending environment, Jain addressed concerns around unsecured loans. "Unsecured loans have grown rapidly after Covid, prompting necessary regulatory measures. For us, our product mix has remained consistent over the past decade," he said. He added that recent credit cost increases are a return to pre-Covid norms. "If credit costs were 195 basis points pre-Covid, they went down to 153 last year, and are now at 205-210... it's not a dramatic shift," he said. Ready to Master Stock Valuation? ET’s Workshop is just around the corner!
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NEW YORK (AP) — Police don’t know who he is, where he is, or why he did it. As the frustrating search for UnitedHealthcare killer got underway for a fifth day Sunday, investigators reckoned with a tantalizing contradiction: They have troves of evidence, but the shooter remains an enigma. One conclusion they are confident of, however: It was a , not a random one. They know he ambushed Thompson at 6:44 a.m. Wednesday as the executive arrived at the Hilton for his company’s annual investor conference, using a 9 mm pistol that resembled the guns farmers use to put down animals without causing a loud noise. They know ammunition found near Thompson’s body “delay,” “deny” and “depose,” mimicking a phrase used by . The fact that the shooter knew UnitedHealthcare group was holding a conference at the hotel and what route Thompson might take to get there suggested that he could possibly be a disgruntled employee or client, NYPD Chief of Detectives Joseph Kenny said. Police divers were seen searching a pond in Central Park, where the killer fled after the shooting. Officers have been scouring the park for days for any and found his backpack there Friday. They didn’t immediately reveal what, if anything, it contained but said it would be tested and analyzed. On Sunday morning, police declined to comment on the contents of the backpack, or on the results of the search in the pond, saying no updates were planned. Investigators have urged patience, saying the process of logging evidence that stands up in court isn’t as quick as it . Hundreds of detectives are combing through video recordings and social media, vetting tips from the public and interviewing people who might have information, including Thompson’s family and coworkers and the shooter’s randomly assigned roommates at the Manhattan hostel where he stayed. Investigators caught a break when they came across security camera images of an unguarded moment at the hostel in which he briefly showed his face. Retracing the gunman’s steps using surveillance video, police say, it appears he left the city by bus soon after the shooting outside the New York Hilton Midtown. He was seen on video at an uptown bus station about 45 minutes later, Kenny said. With the high-profile search expanding across state lines, the FBI announced late Friday that it was offering a $50,000 reward for information leading to an arrest and conviction, adding to a reward of up to $10,000 that the NYPD has offered. Police say they believe the suspect acted alone. Police distributed the images to news outlets and on social media but so far haven’t been able to ID him using facial recognition — possibly because of the angle of the images or limitations on how the NYPD is allowed to use that technology, Kenny said. Late Saturday, police released two additional photos of the suspected shooter that appeared to be from a camera mounted inside a taxi. The first shows him outside the vehicle and the second shows him looking through the partition between the back seat and the front of the cab. In both, his face is partially obscured by a blue, medical-style mask. Michael R. Sisak And Cedar Attanasio, The Associated Press
Storm Darragh: Tens of thousands without power and dozens of flights cancelled as ‘violent storm’ hits IrelandLINCOLN — The chair of Nebraska’s Appropriations Committee says there likely isn’t room for any new property tax relief after learning that the state is facing a $432 million shortfall heading into its next budget cycle. Nebraska’s projected financial status for the upcoming two-year budget shows an ending balance of more than $432 million below the minimum reserve, which is nearly $490 million below the previous projections set at the end of the State Legislature’s special session in August. The shortfall would have been even larger, had lawmakers not also approved a $200 million transfer from the state’s cash reserve during the special session earlier this year. Lawmakers and other state officials heard about the numbers at the Nebraska Legislature’s Tax Rate Review Committee meeting Wednesday, Nov. 20. The committee meets twice a year to learn about changes in projections and new data that could affect the state budget, with the next one covering fiscal years 2025-26 and 2026-27. Legislative Fiscal Analyst Keisha Patent, who presented the report, said the shortfall is due to several factors. Deficits for fiscal year 2024-25 exceeded the allocations to cover those deficits by about $73.7 million, and agency requests exceeded previous estimates by about $126.8 million. Also, Patent said the shortfall reflected the latest projections from Nebraska’s Economic Forecasting Advisory Board in late October, which predicted minimal revenue growth and projected state revenues for the current fiscal year to be about $141 million below prior forecasts. The forecasting board will meet twice more before lawmakers approve the state budget at the end of the 2025 legislative session. State Sen. Robert Clements of Elmwood, the current appropriations chair, said lawmakers need to address the shortfall next session. The report released Wednesday projects that if left unaddressed, the shortfall would balloon to more than $1.1 billion by the end of fiscal year 2028-29. Clements said the shortfall can be partially covered by transfers from the cash reserve and various other cash funds, but that won’t cover it entirely. He said the Appropriations Committee will have to search for other reductions in order to accommodate it. Lawmakers spent a month of extra time in the Capitol this year during a special session to deal with property tax relief, the top priority for Gov. Jim Pillen. They ended the special session with a scaled-back plan that increased relief 3% statewide and capped property tax collections by cities and counties. Pillen has made clear he expects further progress on tax relief in future sessions, having previously stated his goal was to cut Nebraska property taxes by 50%. But Clements said there doesn’t appear to be any room for further relief in the near future based on the latest numbers, though he also said the Legislature will be able to retain the relief measures that passed during the special session. Sen. Lou Ann Linehan of the Omaha area, the term-limited current Revenue Committee chair, was more skeptical of Wednesday’s report. “When the new Legislature gets here in January, they will look at these numbers and think we’re broke,” Linehan said. “I experienced this, the first year I was here, and we were told we were broke, and we ended up not being broke.” During Linehan’s first year in the Legislature in 2017, lawmakers were facing a potential $1 billion shortfall, which they answered with $137 million in midyear budget cuts. They also drew $173 million out of the cash reserve. ebamer@owh.com Twitter @ErinBamer We're always interested in hearing about news in our community. Let us know what's going on! Stay up-to-date on the latest in local and national government and political topics with our newsletter.Volunteering is a gift that changes lives
Rams’ Jordan Whittington providing a spark at kick returner
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Kamala Harris doesn’t rule out California governor’s raceSaudi Arabia's plans to host the men's World Cup 2034 will be harmful for the climate, experts sayHyderabad: The winter session of the assembly, commencing on Monday, assumes significance as it coincides with the completion of the Congress govt's one year in office. The opposition BRS and BJP are eager to corner the govt on issues like HYDRAA, the Musi project, the Telangana Thalli statue, the caste census, and unkept guarantees and promises. The state govt is also likely to take some key decisions and table crucial bills on HYDRAA, the Right of Records (RoR), and the Panchayat Raj (Amendment) Bill. This includes removing the two-child norm, which bars candidates from contesting elections if they have more than two children, along with other crucial clauses. In all, the assembly sessions are likely to witness heated exchanges between the treasury benches and the opposition, especially over land acquisition from farmers, keeping in view the possibility of panchayat elections being held in February. Chief minister A Revanth Reddy has repeatedly appealed to the leader of the opposition, K Chandrasekhar Rao, to come to the assembly and share his experience for the development of Telangana. The business advisory committee (BAC) meeting on Monday would decide the number of days the winter session of the assembly would work. This session is also crucial because the ruling Congress is likely to go for panchayat elections before the budget session next year. The Congress govt is likely to showcase its achievements to the people in the assembly, while the opposition BRS and BJP will try to expose the govt's failures. KCR held a meeting with party MLAs and MLCs on Sunday and gave them a road map and strategy to be adopted in the assembly to corner the Congress govt. Likewise, BJP has instructed its MLAs and the lone MLC to not only expose the Congress govt's failures but also highlight the central govt's support extended to the govt through various schemes and financial assistance, approving major projects. On its part, BRS has accused the Congress of betraying farmers by not giving them Rythu Bharosa in the one-year of its governance. It did not deliver its promise of giving 2,500 per month financial assistance to women, and not all the farmers have been covered under the crop loan waiver scheme. Stay updated with the latest news on Times of India . Don't miss daily games like Crossword , Sudoku , and Mini Crossword .
Rams’ Jordan Whittington providing a spark at kick returnerLas Vegas quarterback Gardner Minshew is out for the season due to a broken collarbone, head coach Antonio Pierce confirmed on Monday, leaving the Raiders with a short week to determine their starter. Minshew suffered the injury when he was sacked and landed on his left shoulder late in the fourth quarter of Las Vegas' 29-19 home loss to the Denver Broncos. Former starter Aidan O'Connell, who was sidelined by a thumb injury in Week 7, could return off injured reserve in time for the Raiders (2-9) to face the two-time reigning Super Bowl champion Chiefs (10-1) on Friday in Kansas City. "We'll see if Aidan is good to go," Pierce said. "He's been ramping up." O'Connell entered the 21-day practice window on Monday as the Raiders determine when to activate him. "Seeing him able to grip the ball comfortable, hopefully, no pain there, and just being able to be efficient," Pierce said. "To put a player out there that's hurting or injured still, that's not to the benefit of the player or our team." O'Connell, 26, has played in four games this season, starting two (both losses). He is 52 of 82 (63.4 percent) for 455 yards, two touchdowns and two interceptions. As a rookie last season, O'Connell started 10 of 11 games, going 5-5, and completed 213 of 343 passes (62.1 percent) for 2,218 yards, 12 TDs and seven interceptions. The Raiders selected O'Connell in the fourth round of the 2023 NFL Draft. "Obviously at the quarterback position, you've got to be smart," Pierce said. "I think with Aidan, his future's much brighter looking ahead. ... I'll have to really rely on our doctors and medical staff." Desmond Ridder replaced Minshew and went 5 of 10 for 64 yards. Ridder, 25, has appeared in three games this season for Las Vegas and is 16 of 26 (61.5 percent) for 138 yards and one TD. Ridder played the previous two seasons for the Atlanta Falcons, who selected him in the third round of the 2022 draft. For his career, he is 338 of 529 (63.9 percent) for 3,682 yards, 15 TDs and 12 interceptions in 22 games (17 starts, 8-9 record). Minshew, 28, completed 25 of 42 passes for 230 yards with one touchdown and one interception against the Broncos. He finished his first season with the Raiders with 2,013 yards, nine TDs and 10 picks on 66.3 percent passing. He joined the Raiders in free agency after stints in Jacksonville (2019-20), Philadelphia (2021-22) and Indianapolis (2023) and won the starting job in camp. But he was benched multiple times for O'Connell as the Raiders struggled as a team. --Field Level Media