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2025-01-26
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fruit roulette Mike Ransford Joins Syntec Optics (Nasdaq: OPTX) as Site ManagerMELBOURNE, Australia , Dec. 17, 2024 /PRNewswire/ -- Crystal Intelligence , a leading blockchain intelligence firm, has announced a strategic partnership with Banxa , a trusted payments infrastructure provider enabling embedded crypto solutions. This collaboration will leverage Crystal Intelligence's cutting-edge compliance and monitoring technology to bolster Banxa's security operations as Australia's crypto industry adapts to heightened regulatory requirements. The partnership comes as the Australian Securities and Investments Commission (ASIC) issues a consultation paper. Under the proposed framework, companies offering certain digital assets must secure an Australian Financial Services Licence (AFSL) if the digital assets are financial products. Meanwhile they may also need to comply with the AML/CTF regime, which requires robust compliance technology, such as the solutions Crystal offers. "This partnership will strengthen Crystal's presence in the Australian market and provide essential benefits for Banxa in terms of regulatory and compliance frameworks. In the rapidly evolving landscape of digital assets, companies should enhance their capabilities with investigative tools like Crystal to navigate these fast-changing environments effectively," says Navin Gupta , CEO of Crystal Intelligence . "At Banxa, our mission is to empower businesses by providing the payments infrastructure that facilitates seamless movement of money across the globe. We help businesses navigate the complexities of the crypto ecosystem, making it easier to move funds quickly and efficiently. With robust compliance measures in place, we offer a trusted, best-in-class solution to our global clients. Our collaboration with Crystal strengthens this capability, ensuring we meet the highest standards of crypto compliance while supporting rapid adoption and growth in an ever-evolving financial landscape," says Holger Arians, Co-CEO of Banxa . To learn more about Crystal's compliance and investigative services click here About Banxa Banxa is the leading infrastructure provider for enabling embedded crypto - empowering businesses to embed crypto seamlessly into their existing platforms and unlocking new opportunities in the rapidly evolving crypto economy. Through an extensive and growing network of global and local payment solutions and regulatory licenses, Banxa helps businesses provide seamless integration of crypto and fiat for global audiences with lower fees and higher conversion rates. Headquartered in the USA , Europe , and Asia-Pacific , the Banxa team is building for a world where global commerce is run on digital assets. For further information visit www.banxa.com . About Crystal Intelligence Crystal is a leading blockchain intelligence firm empowering financial institutions, law enforcement and regulators with real-time blockchain analysis, investigative and compliance solutions. Our solution helps financial institutions comply with global anti-money laundering regulations efficiently. Investigators and government agencies use Crystal's cutting-edge technology and unique real-time intelligence to solve crypto investigations. Available as a free blockchain explorer, SaaS, or API. www.crystalintelligence.com

Stock market today: Nasdaq hits a record as Wall Street drifts ahead of Federal Reserve's meetingPeraso Inc. (NASDAQ: PRSO) Among ONDS, JOBY, ACHR, UMAC with Game-Changing Drone Technology to Watch Now! 12-16-2024 10:12 PM CET | Business, Economy, Finances, Banking & Insurance Press release from: ABNewswire Millimeter wave (mmWave) innovation and a small float spark investor excitement as Peraso Inc. (NASDAQ: PRSO) captures attention in the drone tech space. Peraso Inc. (NASDAQ: PRSO), a leader in millimeter wave (mmWave) technology, is making headlines with its cutting-edge innovations in wireless connectivity, specifically for surveillance drones. Leveraging high-speed, low-latency links, Peraso's technology is ideal for drones that require real-time data transfer, making it a game-changer in sectors like security, logistics, and remote monitoring. With a remarkably low float of just 3.9 million shares, Peraso Inc. (NASDAQ: PRSO) has become a high-potential stock to watch. To put this in perspective, the float is nearly 20 times smaller than that of Ondas Holdings Inc. (NASDAQ: ONDS), which recently experienced a massive rally, climbing from $0.80 to $1.50 in a matter of weeks. This kind of volatility could signal a similar breakout opportunity for Peraso. The global drone market continues to expand at an unprecedented pace, driven by demand for advanced applications in both civilian and military sectors. Peraso's mmWave technology is uniquely positioned to serve this booming market, as it provides the ultra-fast data speeds and minimal latency essential for drones used in real-time surveillance, precision delivery, and beyond. Investors are Taking NoteThe combination of a small float, advanced technology, and growing market demand has led to increased interest from retail and institutional investors alike. Stocks with a limited float like Peraso Inc. (NASDAQ: PRSO) often see significant price movements when demand spikes, offering the potential for sharp gains in a short timeframe. Analysts Are Watching the Drone Boom The adoption of mmWave technology is becoming a cornerstone of the next generation of drone communication systems. With industries increasingly turning to autonomous solutions, companies like Peraso Inc. (NASDAQ: PRSO) are set to ride the wave of this transformation. As Peraso Inc. (NASDAQ: PRSO) continues to innovate and expand its influence in the drone tech sector, all eyes are on Peraso Inc. (NASDAQ: PRSO) as a potential breakout stock. With its affordable price point, compelling technology, and bullish market indicators, this is one ticker investors won't want to miss.Stay tuned for updates as the drone mystery unfolds and Peraso Inc. (NASDAQ: PRSO makes its mark in the world of advanced mmWave technology.Several stocks in the drone sector, including Peraso Inc. (NASDAQ: PRSO), Joby Aviation Inc. (NYSE: JOBY), Archer Aviation Inc. (NYSE: ACHR), Unusual Machines Inc. (NYSE: UMAC), Mobilicom Limited (NASDAQ: MOB), and Ondas Holdings Inc. (NASDAQ: ONDS), have demonstrated notable momentum and deserve a spot on every investor's radar. Disclaimers: The Private Securities Litigation Reform Act of 1995 provides investors with a safe harbor with regard to forward-looking statements. Any statements that express or involve discussions with respect to predictions, expectations, beliefs, plans, projections, assumptions, objectives, goals, and assumptions about future events or performance are not statements of historical fact and may be forward looking statements. Forward looking statements are based on expectations, estimates, and projections at the time the statements are made that involve a number of risks and uncertainties that could cause actual results or events to differ materially from those presently anticipated. Forward looking statements in this action may be identified through use of words such as projects, foresee, expects, will, anticipates, estimates, believes, understands, or that by statements, indicating certain actions & quotes; may, could or might occur Understand there is no guarantee past performance is indicative of future results. Investing in micro-cap or growth securities is highly speculative and carries an extremely high degree of risk. It is possible that an investor's investment may be lost or due to the speculative nature of the companies profiled. TheStreetReports (TSR) is responsible for the production and distribution of this content."TSR" is not operated by a licensed broker, a dealer, or a registered investment advisor. It should be expressly understood that under no circumstances does any information published herein represent a recommendation to buy or sell a security. "TSR" authors, contributors, or its agents, may be compensated for preparing research, video graphics, podcasts and editorial content. "TSR" has not been compensated to produce content related to "Any Companies" appearing herein. As part of that content, readers, subscribers, and everyone viewing this content are expected to read the full disclaimer in our website. Media Contact Company Name: The Street Reports Contact Person: Editor Email:Send Email [ https://www.abnewswire.com/email_contact_us.php?pr=peraso-inc-nasdaq-prso-among-onds-joby-achr-umac-with-gamechanging-drone-technology-to-watch-now ] Country: United States Website: http://www.thestreetreports.com This release was published on openPR.

Taiwanese Stock Market, known as 台股, has recently caught the attention of gaming enthusiasts and developers globally. While traditionally focused on sectors like semiconductor manufacturing, 台股 is rapidly turning into a fertile ground for gaming companies, driven by the evolution of new technologies. Why is 台股 the Future of the Gaming Industry? 台股 has been historically recognized for its robust tech industry, primarily led by giants such as TSMC. However, the shift towards gaming is a natural progression as Taiwan’s technological flexibility meets the entertainment industry’s growing demands. New technologies, including blockchain and augmented reality, are transforming the gaming landscape. Taiwan, with its cutting-edge technological expertise, is perfectly poised to exploit these advancements. Emerging Technologies and 台股’s Role Integrating blockchain into gaming has been challenging but transformative. 台股-listed companies are pioneering blockchain-based gaming platforms, ensuring transparent transactions, secure data storage, and, most importantly, an economy that extends beyond just entertainment. Moreover, augmented reality is another realm where 台股 is taking significant strides. Advancements in AR by these companies aim to create immersive, real-world gaming experiences, enhancing user engagement substantially. The Bright Horizon In an era where digital entertainment is becoming increasingly sophisticated, 台股’s involvement signals a promising future for gaming innovations. It highlights how traditional stock markets can adapt to include rapidly evolving industries, making them not just a financial hub but an essential part of technological progression. Gaming companies and investors alike should keep an eye on 台股 as it continues to redefine the playfield. Unlocking the Potential: 台股’s Strategic Position in the Global Gaming Arena The convergence of technology and entertainment continues to redefine various industries, and the Taiwanese Stock Market, 台股, is emerging as an unexpected yet strategic player in the global gaming sector. While traditionally a stronghold for semiconductor manufacturing, 台股 is now pivoting to support gaming companies, leveraging advances in technologies like blockchain and augmented reality (AR). How 台股 is Revolutionizing the Gaming Industry Taiwan’s transition into a gaming industry hub is underpinned by its established tech credentials, which are now diversifying to accommodate and innovate within gaming. Here’s a closer look at how 台股 is uniquely positioned to lead this transformation: # Blockchain Integration in Gaming 台股-backed firms are exploring blockchain’s potential to create new paradigms in gaming. By integrating blockchain, they are ensuring not only transparency and secure data storage but also facilitating a gaming economy that transcends mere entertainment. The use of blockchain technologies allows gaming companies to develop decentralized platforms where player transactions and asset ownership are recorded securely, fostering trust and engagement in digital ecosystems. # Augmented Reality Advancements Taiwanese companies listed on 台股 are heavily investing in AR to push the boundaries of interactive gaming. By enhancing real-world experiences, AR is set to revolutionize user engagement by overlaying digital assets in the physical world. This not only increases the appeal of gaming but also opens up potential new markets in education and training applications, where AR can be just as transformative. Pros and Cons of Taiwan’s Gaming Market Shift Pros: – Technological Expertise: With an established foundation in the tech industry, Taiwan can quickly pivot to novel gaming technologies. – Investment Opportunities: As more gaming companies become part of 台股, investors see new opportunities for growth. – Global Influence: Positioning Taiwan as a leader can extend its global influence in digital entertainment. Cons: – Market Volatility: The rapid transition could lead to market fluctuations as industries adjust. – Regulatory Challenges: New markets bring regulatory hurdles, especially with emerging tech like blockchain. Future Predictions and Market Trends The transition of 台股 into a gaming powerhouse is still unfolding, but predictions suggest an upward trajectory due to Taiwan’s robust tech infrastructure and innovation-driven ethos. As more companies embrace AR and blockchain, cross-industry applications are expected, enhancing Taiwan’s role in shaping the future of gaming and digital entertainment. Conclusion With its strategic alignment of technology and entertainment, 台股 is becoming a pivotal player in the gaming industry. As investors and gaming enthusiasts monitor developments in Taiwan, the potential for breakthroughs offers exciting opportunities for both local and international stakeholders. For more industry insights, visit the official Taiwan Stock Market website .Dyson holiday deals are in full effect, and if you’re all set on floor vacuums, but could use a hair vacuum (IYKYK), now’s your chance to shop big! Current Black Friday offers have cutting-edge Dyson technology at some of its best prices of the year, but if you’re a beauty lover, then you’ll only want to direct your attention to the hair care deals . For a limited time, you can save $100 on select hair care tools and even walk away with a few bonus gifts with your purchase. Among the best deals we spied is the $100 off price cut on the Dyson Airwrap Multi-Styler and Dryer for Straight and Wavy Hair . This special edition colorway launched at the tail end of the summer, but it hasn’t been discounted on the Dyson website until this week, so it’s a great time to take advantage. Plus, along with your $500, instead of $600, multistyler, you get a matching presentation case and detangling comb, and two additional free gifts (hair clips and a rosé paddle brush - valued at $80 together) at checkout. The Airstrait Straightener is also marked down by $100 for this major Black Friday sale, and the sale price extends to three out of the four available Airstrait colorways, Strawberry Bronze and Blush Pink , Onyx Black and Gold and Prussian Blue and Rich Copper . With your Airstrait purchase, you’ll also get a free 4 ML bottle of Dyson’s newly-debuted Chitosan pre-styling cream to sample. And speaking of the Chitosan sampling, even though Dyson’s summer-unveiled hair styling products aren’t on sale for Black Friday, you can trial them out as your complimentary gift with the scalp-protecting Supersonic Nural Hair Dryer , the Supersonic Hair Dryer and the Corrale Styler Straightener . Of course, all of these are $100 off in several colors for the time being. Shop Dyson’s $100 Black Friday hair care deals while they last . Top Dyson hair care deals for the season Dyson Supersonic Hair Dryer for $330, instead of $430 Dyson Corrale Styler Straightener for $400, instead of $500 Dyson Supersonic Nural Hair Dryer for $400, instead of $500 Dyson Airstrait Straightener for $400, instead of $500 Dyson Airwrap Multi-Styler and Dryer for Straight+Wavy Hair for $500, instead of $600 Dyson Airwrap Multi-Styler and Dryer for Curly+Coily Hair for $500, instead of $600 Dyson Black Friday Deals 2024 Dyson slashed $100 off the price of the Airwrap in a rare sale, plus you’ll get 2 free gifts Dyson slashed $100 off the Supersonic hair dryer, plus you’ll get 2 free gifts Our journalism needs your support. Please subscribe today to NJ.com . Danielle Halibey can be reached at dhalibey@njadvancemedia.com . Have a tip? Tell us at nj.com/tips .Ministers warned of cuts as ‘every pound’ of spending to face review

ECU CB Shavon Revel Jr. declares for NFL draft

Tulsi Gabbard, Trump’s pick for intel chief, faces questions on Capitol Hill amid Syria fallout

Nasdaq Private Market Announces 2024 Executive Leadership Team PromotionsFacing record-breaking heat and a dwindling water supply, Utah farmers are experimenting with innovative crops to sustain agriculture in the arid West. Rancher Matt Redd, who operates Dugout Ranch near Canyonlands National Park, is among those leading the charge. On Redd's ranch, one field grows alfalfa under wheel line irrigation, while an adjacent field is planted with Kernza, a drought-tolerant grain that requires far less water. Even during Utah's scorching summer, Redd didn't irrigate the Kernza crop from July to September. "It looks good. It looks productive," he told local radio station KUER. "And it's taken less than half the water we've used on our irrigated pasture." Developed by Kansas-based agricultural researchers at The Land Institute, Kernza offers a sustainable alternative to traditional grains. Its roots stretch over 10 feet deep, enabling it to survive prolonged droughts, improve soil health and prevent erosion. Unlike annual crops like wheat, Kernza is a perennial, eliminating the need for yearly replanting and reducing diesel fuel use. The grain has already found its way into consumer products, from cereals to beer, offering new markets for farmers. Redd, who also serves as the project director for The Nature Conservancy's Canyonlands Research Center, is testing Kernza on his ranch to assess its potential for large-scale use in Utah. "Its potential to be both a grazing forage crop as well as a hay crop that uses less water—and takes less fossil fuels to plant—makes it a really good candidate for agriculture adapting to climate change in the Southwest," Redd said. However, challenges remain, not least the higher cost of Kernza seeds and the fact that they take longer to establish than other crops. Late last year, Redd planted his first 20 acres of Kernza and plans to expand with another field next spring. The success or failure of these experiments could play a vital role in encouraging other farmers in the region to abandon water-guzzling crops like alfalfa. The Colorado River, a vital water source for more than 40 million people that feeds Lake Powell and Lake Mead , has struggled in recent decades as agriculture and other water demands have piled up. Irrigation uses more than half of the river's water, according to data shared by NASA and published in the journal Communications Earth & Environment earlier this year. Alfalfa and other hay-like cattle feed consume most of that share—nearly a third of the river's total flow. "It's well known that crop irrigation is the largest water user worldwide," Laura Rocchio wrote for NASA. "The Colorado River Basin is no different; crops consume three times more water than all other direct human uses combined (municipal, commercial and industrial)." Redd envisions crops like Kernza, combined with advancements in irrigation technology, as key to securing the future of farming in Utah. He added, "There's no single silver bullet that will solve the challenges we face in this changing world. But this is one piece of the puzzle that can help agriculture remain sustainable." Do you have a tip on a science story that Newsweek should be covering? Do you have a question about the Colorado River? Let us know via science@newsweek.com.

Investing.com -- Shares of Moderna Inc (BMV:MRNA) (NASDAQ:MRNA) were up roughly 7% at $41, while those of Pfizer Inc (NYSE:PFE)were up nearly 2% . Jefferies analysts said Investor sentiment around Moderna Inc could be nearing a short-term low, amid recent concerns tied to vaccine transparency and structural issues might start to ease. The analysts referred to fears surrounding Robert F. Kennedy Jr.’s presidential bid—particularly over vaccine-related rhetoric—may have heightened market anxiety. However, they see a potential bounce in Moderna’s stock, with Kennedy unlikely to pursue drastic measures against vaccines and transparency efforts possibly benefiting the company in the long term. So far this year, Moderna stock has lost nearly 60% value. Moderna continues to face structural challenges, including high operating expenses, risks around flu/COVID-19 combo vaccine approvals, and limited visibility on profitability through 2028. Yet, upcoming catalysts could provide upside. Key milestones include data from the company’s Phase III cancer vaccine study in adjuvant melanoma expected in the second half of 2025, as well as interim results from its CMV vaccine trial, which could arrive later this year or early 2025. Moderna also plans to file for approval of its flu/COVID-19 combo vaccine by year-end, with potential revenue beginning in the 2026-2027 vaccine season. Despite industry-wide concerns over FDA policy and vaccine adoption, Jefferies highlighted Moderna's expectations for a $2-3 billion durable annual COVID-19 vaccine business. The analysts maintained a cautious outlook on profitability but acknowledged potential for stock movement ahead of key data releases and broader market shifts in sentiment. Related Articles Jefferies says market nears short term “peak RFK negativity", Vaccine makers up Snack maker Hearthside files for bankruptcy after child labor probe Robinhood's top attorney Gallagher rules out SEC chair role

The final rule (Rule) establishes the Consumer Financial Protection Bureau’s (CFPB)’s supervisory authority (i.e., examination authority) over nonbank covered persons that are “larger participants” in the “general-use digital consumer payment applications” market. A nonbank covered person qualifies as a “larger participant” in the “general-use digital consumer payment applications market” if it facilitates an annual covered consumer payment transaction volume of at least 50 million transactions denominated in U.S. dollars and is not a “small business concern” as defined by section 3(a) of the Small Business Act. Covered entities will be subject to CFPB supervision and examination for compliance with Federal consumer financial laws such as, the Consumer Financial Protection Act, Gramm-Leach-Bliley Act and Regulation P, and the Electronic Funds Transfer Act and Regulation E. The Rule is effective Jan. 9, 2025. On Nov. 21, 2024, the Consumer Financial Protection Bureau (CFPB) issued a final rule (Rule), pursuant to 12 U.S.C. § 5514(a)(1)(B), to establish supervisory authority over nonbank entities identified as larger participants in the general-use digital consumer payment applications market. While the CFPB already has enforcement power over digital funds transfer and payment wallet app providers, the Rule subjects “larger participants” of this market to CFPB supervisory examinations, similar to banks and credit unions. The Rule will apply to companies that facilitate at least 50 million “consumer payment transactions” per year, higher than the five million threshold contemplated in the CFPB’s initial proposal , and its scope extends only to U.S.-dollar transactions (digital asset transactions are excluded). According to the CFPB, the Rule intends to protect consumer privacy, reduce fraud, and curtail what the bureau deems unlawful “debanking” practices. “Digital payments have gone from novelty to necessity and our oversight must reflect this realty,” current CFPB Director Rohit Chopra said in the announcement . Background In November 2023, the CFPB requested comments to its proposal to supervise larger nonbank entities offering digital wallet and payment apps. This proposed rulemaking followed a 2022 inquiry the CFPB conducted on digital payment practices, wherein the agency ordered large technology and peer-to-peer platforms to provide information on data and consumer protection practices, among other categories of consumer-facing information. That same year, the CFPB warned firms that provide financial technologies about their obligations under consumer protection laws, and issued an advisory on the potential risks of using and relying on digital payment apps. The Rule is the sixth CFPB rulemaking to define larger participants of markets for consumer financial products and services. The first five rules defined larger participants in markets for consumer reporting, 77 Fed. Reg. 42874 (July 20, 2012), consumer debt collection, 77 Fed. Reg. 65775 (Oct. 31, 2012), student loan servicing, 78 Fed. Reg. 73383 (Dec. 6, 2013), international money transfers, 79 Fed. Reg. 56631 (Sept. 23, 2014), and automobile financing, 80 Fed. Reg. 37496 (June 30, 2015). The Final Rule Under the Rule, nonbank covered persons that are “larger participants” in the “general-use digital consumer payment applications” market are subject to CFPB supervisory examination authority. The Rule sets forth a two-pronged test to determine whether a nonbank covered person is a larger participant of the general-use digital consumer payment applications market. 1 Nonbank covered persons wishing to claim they are not “larger participants” after the CFPB notifies them of its intent to undertake supervisory activity can submit evidence and arguments to the CFPB to support their claim. Under the Rule, “general-use digital consumer payment application” means providing a [1] covered payment functionality through a [2] digital application for consumers’ [3] general use in making [4] consumer payment transaction(s). The Rule covers two types of payment functionalities: (a) a funds transfer functionality; and (b) a payment wallet functionality. “Funds transfer functionality” means (1) receiving funds to transmit them (e.g., a nonbank transferring funds it holds for the consumer, such as in a stored value product/wallet, to another person); or (2) accepting and transmitting payment instructions from a consumer (i.e., transmitting consumer payment instructions to the entity that holds or receives the funds to be transferred). “Payment wallet functionality” refers to a product or service that (1) stores account or payment credentials, including in encrypted or tokenized form; and (2) transmits, routes, or otherwise processes such stored account or payment credentials to facilitate a consumer payment transaction. Generally, “digital payment applications” include software programs that consumers may access through a personal computing device, including, but not limited to, a mobile phone, laptop computer, or other common means, such as a personal identifier (e.g., a passkey, password, or PIN). The Rule does not include market payment transactions that do not rely upon the use of digital applications (e.g., presenting a debit or credit card at the point of sale). The Rule defines “general use” as being “usable for a consumer to transfer funds in a consumer payment transaction to multiple, unaffiliated persons.” The Rule borrowed from Regulation E by adopting the phrase “multiple, unaffiliated persons” to define the universe of potential funds transfer recipients that would cause a payment functionality to have “general use.” Accordingly, unless an exclusion applies, a covered payment functionality that facilitates consumer payment transactions to multiple unaffiliated entities or persons would qualify as having “general use” under the Rule. By contrast, payment functionalities that facilitate consumer payment transactions to a single entity/person or to a group of affiliated entities/persons (e.g., flexible spending arrangements, gift certificates, payment functionalities used to pay a specific debt or type of debt or that facilitate purchases from a single merchant) are not considered “general use” under the Rule. “Consumer payment transactions” generally include payments to other persons for personal, household, or family purposes. The term covers transactions made by or on behalf of a consumer “who resides in” a U.S. state or territory (narrowing the scope of covered transactions from the proposed rule, which purported to cover transactions facilitated for consumers “physically located” in a U.S. state or territory). 2 The term excludes from its definition certain transactions such as: (a) international money transfers; (b) foreign currency exchange transactions; (c) credit extensions through a digital application provided by the person who is extending, brokering or purchasing the credit; (d) payments for donations to a fundraiser selected from the provider’s platform; and (e) payments for the sale or lease of goods or services purchased from merchants and marketplaces. One of the most significant changes in the Rule is the exclusion of digital assets, such as cryptocurrencies, from the scope of “consumer payment transactions.” This is a notable shift from the proposed rule, which initially interpreted “funds” to include digital assets. By excluding digital assets, the CFPB limited its scope of expanded oversight to payment transactions conducted in U.S. fiat currency only. Nonetheless, the Rule notes that the “CFPB intends to continue to gather data and information regarding the nature of such transactions and the impact of digital transactions on consumers, and to take further action as appropriate[,]” leaving open the possibility of future oversight over digital asset transactions. Other Relevant Exclusions: BNPL and Earned Wage Access Products The CFPB has also declined to include “buy now, pay later” (BNPL) transactions in the scope of “consumer payment transactions.” The CFPB reasoned that exempting BNPL transactions would be consistent with the exemption for nonbank persons that provide digital applications to initiate consumer credit transactions and also engage in activities directed at originating consumer credit extensions, regardless of who is extending the credit (and even if a third-party financial institution such as a bank or credit union is extending the credit). The CFPB also has opted to exclude earned wage access products insofar as they transfer wages belonging to or advanced on behalf of a consumer to that same consumer. As the CFPB explains in the Rule, a “consumer payment transaction” does not include “transfers between a consumer’s own deposit accounts [or] transfers between a consumer deposit account and the same consumer’s stored value account held at another financial institution, such as loading or redemptions[.]” Similarly, the Rule notes that the CFPB does not interpret the market definition to include payments by or on behalf of a consumer to other accounts the consumer owns or controls in which another person, such as a spouse co-owner or minor child, also holds an interest. Takeaways The digital payment market has grown rapidly, with consumers broadly relying on general-use digital consumer payment applications. However, the Rule has generated mixed reactions. At least one industry group has urged the CFPB to withdraw the Rule, while at least one consumer advocate group stated the Rule would ensure people are treated fairly when they use a payment app, taking “payment apps out of a regulatory blind spot.” The timing of the Rule is noteworthy, with the Trump administration set to take over in January 2025, and Director Chopra unlikely to remain agency head. What priority this Rule has for the new president, who is expected to generally ease regulations, and a newly appointed director, is yet to be seen. Nonetheless, impacted companies should review their products, services, consumer-facing documents, and compliance management systems, including all relevant policies and procedures, and consider establishing a strategy for managing a CFPB exam.

Southlake, TX, Dec. 16, 2024 (GLOBE NEWSWIRE) -- HeartSciences Inc. (Nasdaq: HSCS; HSCSW) ("HeartSciences" or the "Company") , an artificial intelligence (AI)-powered medical technology company focused on transforming ECGs/EKGs to save lives through earlier detection of heart disease, today reported financial results for the second quarter fiscal 2025 ended October 31, 2024 and provided a business update. Second Fiscal Quarter 2025 Highlights: In the run up to the close of 2024 and the second quarter of fiscal year 2025 (“Q2 FY2025”), HeartSciences saw across the board material progress and more positive developments for the field of AI-ECG, its MyoVista® wav ECG TM device, MyoVista® Insights TM cloud-native platform and first cloud-based AI-ECG algorithms. A summary of current status and business highlights during Q2 FY2025 include: HeartSciences is the only company building next-gen ECG device hardware, cloud-native software and AI-ECG algorithms. The ECG industry generally uses decades-old devices, outdated technology and legacy reporting and managements systems. AI-ECG presents a generational opportunity to modernize the ECG industry which is one of the most ubiquitous medical tests in the world. Our versatility will enable us to deliver AI-ECG solutions across a wide range of healthcare settings, from large hospital systems to simple nurse-led mobile testing services. There has been excellent progress on the MyoVista Insights platform. Phase 1 will be completed by the end of the calendar year. HeartSciences has invested millions of dollars in 2024 to develop a cloud-native ECG reporting system which will run on Amazon Web Services (AWS). MyoVista Insights is a cybersecure modern technology stack which is intended to radically upgrade ECG reporting. Phase 1 does not require regulatory clearance (as it is reporting based) and the Company is in discussions for this to be implemented in test sites in the first half of 2025. Phase 2, which requires regulatory clearance, will add AI-ECG reporting. The Company has built the system to provide both Company-developed and third-party AI-ECG algorithms. HeartSciences intends to operate it like an app store for AI-ECG. This will radically reduce the cost and regulatory burden on the Company in developing all of its own algorithms and ensure the Company can bring a broad panel of AI-ECG algorithms to clinical practice in an expeditious manner. HeartSciences is aiming for Phase 2 regulatory clearance in the second half of 2025. Thereafter in Phase 3, HeartSciences’ intention is for MyoVista Insights to provide an ECG management system which is a multi-billion dollar market. It is a necessity for all hospital systems worldwide to have an ECG management system. Current systems are generally dependent on decades-old IT architecture which are on-premise, server-based, lack flexibility and are costly for health systems. MyoVista Insights is a cloud-native application running on AWS, built to be much lower cost and provide considerably upgraded interoperability and cybersecurity. Pre-validation work on the Company’s first cloud-based AI-ECG algorithm, which will be a low ejection fraction (LVEF ≤ 40) algorithm licensed from Icahn School of Medicine at Mount Sinai, New York (Mount Sinai) is progressing. Assuming this work is successful, FDA validation studies, expected to be conducted using retrospective data, would follow. There has been considerable progress on the MyoVista® wav ECGTM device and HeartSciences remains on track for FDA submission around the end of the first calendar quarter 2025. The Company has requested a final pre-submission meeting with the FDA to finalize the validation study reporting plan associated with the category outputs of the MyoVista wav ECG. Assuming the meeting is satisfactory, final validation and FDA submission are expected to take place expeditiously thereafter. Other notable highlights: HeartSciences’ MyoVista wavECG AI-ECG algorithm and many of the AI-ECG algorithms that would be delivered by the MyoVista Insights cloud platform have been included in the CMS 2025 OPPS final rule, effective January 2025. This would enable appropriate reimbursement immediately upon commercial launch and is a significant milestone in AI-ECG being widely adopted. HeartSciences successfully demonstrated its MyoVista® wavECGTM at the United Nations General Assembly Digital Health Symposium after its selection as a technology to radically transform healthcare. Launch of our new website at https://www.heartsciences.com . Management Commentary “We end calendar 2024 in a strong position, having made significant progress. HeartSciences is the only Company developing across the board ECG solutions to upgrade archaic devices, clinical capabilities, and reporting and management systems which are a necessity for any healthcare system worldwide.” “By calendar year end, our Phase 1 MyoVista Insights cloud-native platform will be complete after millions of dollars of investment. Feedback to date has been excellent and we are in discussions for early deployment in test environments. Our ultimate vision is to offer a path to modernize legacy ECG management systems, as they are generally inflexible and costly due to decades-old IT architecture. Instead, we will provide a next-gen, cybersecure cloud-native system to meet the sophisticated data driven needs of today’s health systems. Our AI-ECG marketplace will facilitate far quicker rollout of AI-ECG and allow patients and health systems environments to realize their significant benefits.” “Our MyoVista wav ECG is approaching FDA submission and will allow next-to-patient, immediate access to AI-ECG results which is suitable for many frontline healthcare settings and territories around the world. Our versatility will enable us to deliver AI-ECG solutions across a wide range of healthcare settings, from large hospital systems to simple nurse-led mobile testing services.” concluded Mr. Simpson. Second Quarter Fiscal 2025 Financial Results There were no revenues during Q2 FY2025. As of October 31, 2024, cash and cash equivalents were approximately $4.1 million and shareholders’ equity was approximately $4.0 million. Complete financial results have been filed in the Company’s Quarterly Report on Form 10-Q with the U.S. Securities and Exchange Commission and is available on the Company’s website. About HeartSciences HeartSciences is a medical technology company focused on applying innovative AI-based technology to an ECG (also known as an EKG) to expand and improve an ECG’s clinical utility. Millions of ECGs are performed every week and the Company's objective is to improve healthcare by making it a far more valuable cardiac screening tool, particularly in frontline or point-of-care clinical settings. HeartSciences has one of the largest libraries of AI-ECG algorithms and intends to provide these AI-ECG algorithms on a device agnostic cloud-based solution as well as a low-cost ECG hardware platform. Working with clinical experts, HeartSciences ensures that all solutions are designed to work within existing clinical care pathways, making it easier for clinicians to use AI-ECG technology to improve their patient's care and lead to better outcomes. HeartSciences' first product candidate for FDA clearance, the MyoVista® wavECGTM, or the MyoVista®, is a resting 12-lead ECG that is also designed to provide diagnostic information related to cardiac dysfunction which has traditionally only been available through the use of cardiac imaging. The MyoVista® also provides conventional ECG information in the same test. For more information, please visit: https://www.heartsciences.com . X: @HeartSciences Safe Harbor Statement This announcement contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. These forward-looking statements are made under the "safe harbor" provisions of the Private Securities Litigation Reform Act of 1995 and are relating to the Company's future financial and operating performance. All statements, other than statements of historical facts, included herein are "forward-looking statements" including, among other things, statements about HeartSciences' beliefs and expectations. These statements are based on current expectations, assumptions and uncertainties involving judgments about, among other things, future economic, competitive and market conditions and future business decisions, all of which are difficult or impossible to predict accurately and many of which are beyond the Company's control. The expectations reflected in these forward-looking statements involve significant assumptions, risks and uncertainties, and these expectations may prove to be incorrect. Investors should not place undue reliance on these forward-looking statements, which speak only as of the date of this press release. Potential risks and uncertainties include, but are not limited to, risks discussed in HeartSciences' Annual Report on Form 10-K for the fiscal year ended April 30, 2024, filed with the U.S. Securities and Exchange Commission (the "SEC") on July 29, 2024, HeartSciences’ Quarterly Report on Form 10-Q for the fiscal quarter ended July 31, 2024, filed with the SEC on September 12, 2024, HeartSciences’ Quarterly Report on Form 10-Q for the fiscal quarter ended October 31, 2024, filed with the SEC on December 16, 2024 and in HeartSciences' other filings with the SEC at www.sec.gov . Other than as required under the securities laws, the Company does not assume a duty to update these forward-looking statements. Contacts: HeartSciences Gene Gephart +1-682-244-2578 Ext. 2024 info@heartsciences.com Investors Gilmartin Group Vivian Cervantes investorrelations@heartsciences.com

Trump adviser suggests ‘Iron Dome’ over America amid drone sightingsSecretaries of State are being told that any outgoings which are not contributing towards one of Labour’s “priorities” must be cut as Rachel Reeves vows to wield “an iron fist against waste.” In letters sent by Chief Secretary to the Treasury Darren Jones, departments will be told to brace for “difficult” spending decisions in order to restore trust in the Government’s handling of the public finances. Every pound of departmental spending will be face a “line-by-line review” involving external finance experts from banks and think tanks in order to ensure it represents value for money, the Treasury said. The Chancellor will on Tuesday launch the next round of Government spending, and is expected to warn departments that they “cannot operate in a business-as-usual way when reviewing their budgets for the coming years”. She will insist that areas focused on Prime Minister Sir Keir Starmer’s “plan for change”, which includes targets to improve living standards across the country and build 1.5 million homes, must be prioritised. Ms Reeves said: “By totally rewiring how the Government spends money we will be able to deliver our plan for change and focus on what matters for working people. “The previous government allowed millions of pounds of taxpayers’ money to go to waste on poor value for money projects. We will not tolerate it; I said I would have an iron grip on the public finances and that means taking an iron fist against waste. “By reforming our public services, we will ensure they are up to scratch for modern day demands, saving money and delivering better services for people across the country. That’s why we will inspect every pound of Government spend, so that it goes to the right places and we put an end to all waste.” Under the Treasury’s plans, departments will ensure budgets are scrutinised by “challenge panels” of external experts including former senior management of Lloyd’s Banking Group, Barclays Bank and the Co-operative Group. These panels, which will also involve think tanks, academics and the private sector, will advise on which spending “is or isn’t necessary”, the ministry said. The Treasury said work has already begun, with an evaluation of the £6.5 million spent on a scheme that placed social workers in schools finding “no evidence of positive impact on social care outcomes”. “Departments will be advised that where spending is not contributing to a priority, it should be stopped,” it said. “Although some of these decisions will be difficult, the Chancellor is clear that the public must have trust in the Government that it is rooting out waste and that their taxes are being spent on their priorities.” Ms Reeves had already announced efficiency and productivity savings of 2% across departments in her autumn budget as she seeks to put the public finances on a firmer footing. In a speech in east London, Chancellor of the Duchy of Lancaster Pat McFadden hinted at a further squeeze. “At the Budget the Chancellor demanded efficiency and productivity savings of 2% across departments – and there will be more to come,” he said. “As we launch the next phase of the spending review at its heart must be reform of the state in order to do a better job for the public.”

Ted Cruz has sparked online debate by labeling Luigi Mangione, the suspected killer of UnitedHealthcare CEO Brian Thompson , as a "leftist," a claim that has been contradicted by Mangione's social media posts praising conservatives and decrying the "woke mind virus." Mangione, a 26-year-old Ivy League graduate, was arrested as a person of interest in last week's brazen killing of Thompson. After his arrest, a wave of online support painted him as a sort of hero, while critics speculated about his political alignment. Senator Cruz reignited the controversy by tweeting that Mangione's actions are evidence that "leftist is a mental disease." Leftism is a mental disease. The suspected murderer, an Ivy League graduate, "subscribed to anti-capitalist and climate-change causes, according to law-enforcement." And the murderer has been widely celebrated by leftists online. Tragic & sick. https://t.co/3VlmRqnbB3 Cruz cited law enforcement reports suggesting Mangione supported anti-capitalist and climate-change causes. However, journalists and social media users quickly pushed back, highlighting Mangione's documented admiration for right-wing commentator Tucker Carlson. Person of Interest in the UHC CEO killing Luigi Mangione is being painted as left-wing by the New York Post but his X account shows someone whose thinking is shaped by the Online Right pic.twitter.com/qxBznzWOCo Mangione's tweets include detailed defenses of Carlson's critique of modern architecture. These posts challenge the simplistic narrative of Mangione as aligned with traditional leftist ideologies. Critics of Cruz have accused him of weaponizing the incident for political points, while others argue that Mangione's beliefs represent a hybrid of ideologies.

F1 expands grid, adds Cadillac brand and new American team for '26

7 Christmas gifts under $100 dad would actually love to get this yearNoneIf you purchase an independently reviewed product or service through a link on our website, Rolling Stone may receive an affiliate commission. “Anybody want a drink?” Sabrina Carpenter says near the start of A Nonsense Christmas , the pop superstar’s new holiday special on Netflix. Standing in a retro-styled kitchen with cake stands and pink appliances, Carpenter shakes up a specialty cocktail and pours it into a coup wrapped up with a bow. Of course, it’s an espresso martini, complete with a few key ingredients: Absolut & Kahlúa . Following her Short n’ Sweet Tour , fans who saw the Grammy-nominated singer-songwriter perform on the road already got the chance to taste the Absolut & Kahlúa Short n’ Sweet Espresso Martini — the brands were the official spirits sponsor of the tour, after all. But now Carpenter has made it a little easier to pour yourself your own Short n’ Sweet Espresso Martini at home with a special new cocktail kit, now back in stock. $85 Carpenter’s espresso martini kit features everything fans could need to recreate the drink like Carpenter does during the special: vodka, coffee liqueur, Owen’s Espresso Martini Mix, and as the release explains, a coupe glass “with festive red ribbon and Sabrina’s iconic kiss mark as an edible cocktail topper.” “It’s no surprise how much I love espresso, so I’m super excited about this partnership and to be able to share one of my favorite cocktails with my fans,” Carpenter shared in a release when the kit initially dropped. “This will be the perfect addition for any holiday celebration, cheers!” The Absolut & Kahlúa Short n’ Sweet kit previously sold out in 48 hours when it launched back in November, but now it’s back in stock, just in time to whip up at a holiday party — or just when you’re watching Carpenter’s new Nonsense Christmas special. The kit costs $85 and fans can buy it now on ReserveBar — while it lasts. As for the recipe? According to ReserveBar, all you have to do is add two parts of Absolut, one part of Kahlúa, and, finally, one part of espresso.

AI voice scams are on the rise. Here's how to protect yourself.Tunnel & Bridge Market to Scale New Heights as Market Players Focus on Innovations 2024-2030 12-09-2024 08:35 PM CET | Industry, Real Estate & Construction Press release from: AMA Research & Media LLP The latest study released on the global 'Tunnel & Bridge' market by AMA Research evaluates market size, trend, and forecast to 2030. The 'Tunnel & Bridge' market study covers significant research data and proofs to be a handy resource document for managers, analysts, industry experts and other key people to have ready-to-access and self-analyzed study to help understand market trends, growth drivers, opportunities and upcoming challenges and about the competitors. Get free access to Sample Report in PDF Version along with Graphs and Figures @ https://www.advancemarketanalytics.com/sample-report/185254-global-tunnel--bridge-market?utm_source=OpenPR/utm_medium=Rahul Some of the key players profiled in the study are: Stanley Roads (Australia), Muscat Road Construction & Civil Works LLC (Oman), PNC Infratech Limited (India), NEW ROAD Construction Management Company, Inc. (United States), Kokosing Construction Company (United States), Al HABTOOR LEIGHTON GROUP site 642 (United Arab Emirates), Sanders Brothers Construction Co (United States), Rogers Group Inc (United States), R S Audley Inc (United States) Bridge and tunnel construction for transport routes is becoming increasingly important over the globe. Tunnels are cheaper than bridges. A bridge is an overground construction and a tunnel is an underground construction. Growing Transportation activities and optimum protection is provided for the environment and landscape. Tunnels are attractive solutions for railways, roadways, public utilities, and telecommunications. Keep yourself up-to-date with latest market trends and changing dynamics due to COVID Impact and Economic Slowdown globally. Maintain a competitive edge by sizing up with available business opportunity in Tunnel & Bridge Market various segments and emerging territory. Influencing Market Trend •Increasing Transportation Activities Market Drivers •Rapidly Growing Construction Activities across the Globe Opportunities: •Rising Government Investment in Tunnel & Bridge Construction Challenges: •Government Regulations on the Tunnel & Bridge Constructors Analysis by Type (Arch Bridge, Aqueduct, Bailey bridge, Cut-and-cover Tunnel, Others), Application (Railways, Roadways, Public Utilities, Telecommunications, Others) Have Any Questions Regarding Global Tunnel & Bridge Market Report, Ask Our Experts@ https://www.advancemarketanalytics.com/enquiry-before-buy/185254-global-tunnel--bridge-market?utm_source=OpenPR/utm_medium=Rahul The regional analysis of Global Tunnel & Bridge Market is considered for the key regions such as Asia Pacific, North America, Europe, Latin America and Rest of the World. North America is the leading region across the world. Whereas, owing to rising no. of research activities in countries such as China, India, and Japan, Asia Pacific region is also expected to exhibit higher growth rate the forecast period 2024-2030. As per the United States Congress and the Federal Highway Administration (FHWA), “are committed to continuously improve the laws and regulations governing the materials, design, construction, inspection, maintenance, repair and management of highway roads, bridges and tunnels to assure public safety.” Table of Content Chapter One: Industry Overview Chapter Two: Major Segmentation (Classification, Application and etc.) Analysis Chapter Three: Production Market Analysis Chapter Four: Sales Market Analysis Chapter Five: Consumption Market Analysis Chapter Six: Production, Sales and Consumption Market Comparison Analysis Chapter Seven: Major Manufacturers Production and Sales Market Comparison Analysis Chapter Eight: Competition Analysis by Players Chapter Nine: Marketing Channel Analysis Chapter Ten: New Project Investment Feasibility Analysis Chapter Eleven: Manufacturing Cost Analysis Chapter Twelve: Industrial Chain, Sourcing Strategy and Downstream Buyers Read Executive Summary and Detailed Index of full Research Study @ https://www.advancemarketanalytics.com/reports/185254-global-tunnel--bridge-market?utm_source=OpenPR/utm_medium=Rahul Highlights of the Report • The future prospects of the global Tunnel & Bridge market during the forecast period 2024-2030 are given in the report. • The major developmental strategies integrated by the leading players to sustain a competitive market position in the market are included in the report. • The emerging technologies that are driving the growth of the market are highlighted in the report. • The market value of the segments that are leading the market and the sub-segments are mentioned in the report. • The report studies the leading manufacturers and other players entering the global Tunnel & Bridge market. Contact Us: Craig Francis (PR & Marketing Manager) AMA Research & Media LLP Unit No. 429, Parsonage Road Edison, NJ New Jersey USA - 08837 Phone: +1(201) 7937323, +1(201) 7937193 sales@advancemarketanalytics.com About Author: AMA Research & Media is Global leaders of Market Research Industry provides the quantified B2B research to Fortune 500 companies on high growth emerging opportunities which will impact more than 80% of worldwide companies' revenues. Our Analyst is tracking high growth study with detailed statistical and in-depth analysis of market trends & dynamics that provide a complete overview of the industry. We follow an extensive research methodology coupled with critical insights related industry factors and market forces to generate the best value for our clients. We Provides reliable primary and secondary data sources, our analysts and consultants derive informative and usable data suited for our clients business needs. The research study enables clients to meet varied market objectives a from global footprint expansion to supply chain optimization and from competitor profiling to M&As. This release was published on openPR.

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