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From World War II to the financial crisis, our institutional memory is fading fast

first_imgWednesday 6 November 2019 4:03 am That said, the Second World War is of far more historic significance than  Britain’s colonial skirmishes. The participants in The Apprentice might, one would think, be expected to know more about it. Paul OrmerodPaul Ormerod is an economist at Volterra Partners LLP, a Visiting Professor in the Department of Computer Science at UCL, and author of Against the Grain: Insights of an Economic Contrarian, published by the IEA in conjunction with City A.M. Baby names, for example, are important indicators of culture. The example may seem slightly frivolous but, as the American polymath Stephen Pinker has written, the choice of name “encapsulates the great contradiction in human life: between the desire to fit in and the desire to be unique”. Students from the Sydney Cooper School preparing a large poster which will form part of the decoration for the Westgate Tower in Canterbury’s Weapons Week. A tank, a warship and Winston Churchill feature largely, with the slogan ‘Fight For Freedom’. (Photo by Fred Morley/Getty Images) I have to confess that it is very sketchy. I know it was around 1900. The Boers nearly pulled off a shock victory, but our boys pipped them in extra time. And there was a siege at somewhere called Mafeking. The young contestants on Lord Sugar’s reality TV show The Apprentice sparked outrage last week. whatsapp Trying to be fair, I reflected on my own knowledge of the Boer War. The gap between that and my birth is not that much more than the one between World War II and Lord Sugar’s wannabes.  They appeared to have virtually no knowledge about the Second World War. In the twenty-first century, the turnover in popularity of names has increased dramatically.  It was steady for almost the whole of the twentieth century – once a name had made it into the top 10, say, it tended to stay there a long time. But the “churn” is now running at a rate nearly 10 times greater. Share The online clips of the sequence capture to perfection their expressions of bovine outrage at even being expected to know such an esoteric thing as how long the War lasted. For many viewers, it was a powerful argument for an immediate raising of the voting age to at least 35. The outcomes of behaviour on the internet provide a more obvious example. At any point in time, the most popular memes on Twitter or the most viewed videos on YouTube are often millions of times more popular than the average. But their popularity is ephemeral.center_img whatsapp Their ignorance reflects a more general trend towards what can be described as a shortening of cultural memory. From World War II to the financial crisis, our institutional memory is fading fast In financial markets, for example, there is a traditional tale that a crisis happens precisely when the institutional memory of the last crisis has faded. But if traders and decision-makers develop shortened memories, crises could become more frequent. Whenever there is a royal birth in the UK, the name given to the new baby enjoys a surge in popularity as people copy what is fashionable. But there is also the desire to give your baby a distinctive name.   Already bodies such as the International Monetary Fund are warning about the build-up of private sector debt, even though it is scarcely a decade since such debt precipitated the global financial crisis. The apparent ignorance of The Apprentice candidates offers a warning to us all. In what many would regard as far more serious areas of economic activity, away from popular culture, this shortening of collective memory may have disturbing consequences for all of us. Opinion City A.M.’s opinion pages are a place for thought-provoking views and debate. These views are not necessarily shared by City A.M. Main image credit: Getty This can be seen in many seemingly unrelated ways.  by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikeDaily FunnyFemale Athlete Fails You Can’t Look Away FromDaily FunnyBleacherBreaker4 Sisters Take The Same Picture For 40 Years. Don’t Cry When You See The Last One!BleacherBreakerbonvoyaged.comThese Celebs Are Complete Jerks In Real Life.bonvoyaged.comPost Fun25 Worst Movies Ever, According To Rotten TomatoesPost FunNoteableyJulia Robert’s Daughter Turns 16 And Looks Just Like Her MomNoteableyYourDailyLamaHe Used To Be Handsome In 80s Now It’s Hard To Look At HimYourDailyLamaDefinition24 Of The Most Hilarious Yard Signs Ever WrittenDefinitionzenherald.comDolly Finally Took Off Her Wig, Fans Gaspedzenherald.comMedical MattersThis Picture Shows Who Prince Harry’s Father Really IsMedical Matterslast_img read more

TSB to axe a third of branches and over 900 jobs

first_img Show Comments ▼ Wednesday 30 September 2020 10:49 am The lender said the cuts – which represent a 10 per cent reduction in the bank’s workforce and the loss of a third of its branches – were part of its three-year plan to reduce costs and remain competitive.  The boss of Sabadell had to clarify that, although he was open to selling TSB, there’s no deal in the works (AFP via Getty Images) Also Read: Coronavirus: TSB to axe a third of branches and over 900 jobs whatsapp More From Our Partners Russell Wilson, AOC among many voicing support for Naomi Osakacbsnews.comA ProPublica investigation has caused outrage in the U.S. this weekvaluewalk.comAstounding Fossil Discovery in California After Man Looks Closelygoodnewsnetwork.orgWhy people are finding dryer sheets in their mailboxesnypost.comBrave 7-Year-old Boy Swims an Hour to Rescue His Dad and Little Sistergoodnewsnetwork.orgFlorida woman allegedly crashes children’s birthday party, rapes teennypost.comPolice Capture Elusive Tiger Poacher After 20 Years of Pursuing the Huntergoodnewsnetwork.orgKiller drone ‘hunted down a human target’ without being told tonypost.comNative American Tribe Gets Back Sacred Island Taken 160 Years Agogoodnewsnetwork.orgI blew off Adam Sandler 22 years ago — and it’s my biggest regretnypost.comUK teen died on school trip after teachers allegedly refused her pleasnypost.comInside Ashton Kutcher and Mila Kunis’ not-so-average farmhouse estatenypost.comKamala Harris keeps list of reporters who don’t ‘understand’ her: reportnypost.comSupermodel Anne Vyalitsyna claims income drop, pushes for child supportnypost.comBiden received funds from top Russia lobbyist before Nord Stream 2 giveawaynypost.comMatt Gaetz swindled by ‘malicious actors’ in $155K boat sale boondogglenypost.comPuffer fish snaps a selfie with lucky divernypost.com‘Neighbor from hell’ faces new charges after scaring off home buyersnypost.com Anna Menin Coronavirus: TSB to axe a third of branches and over 900 jobs Share “Unite has argued for some time that the financial services industry has a social responsibility not to walk away from its local customers who continue to need access to banking in bank branches,” said Unite national officer Dominic Hook.  The boss of Sabadell had to clarify that, although he was open to selling TSB, there’s no deal in the works (AFP via Getty Images) whatsappcenter_img TSB told its cashiers last month that their jobs would be phased out at the start of 2021 following a steep decline in customers banking in branch during the Covid-19 crisis.  Of the 164 TSB branches set to close, eight are in London. The branches closing in the capital are: Cockfosters, Acton, London Wall, Sutton, Putney, Eltham, Barnet, and Burnt Oak. The UK’s banking industry is scrambling to cut costs in the face of an expected spike in impairments from bad debts resulting from the coronavirus pandemic. Earlier this month Lloyds announced plans to cut 865 jobs, resuming a round of restructuring and cost-cutting measures that had been paused as the pandemic hit.  TSB has announced plans to close 164 branches and cut over 900 jobs as the British lender grapples with the impact of the coronavirus pandemic.  The lender’s Spanish parent Sabadell said in July that it was looking at accelerating cost-cutting at the bank, after TSB posted a €64m (£58m) loss for the first half of 2020. by Taboolaby TaboolaSponsored LinksSponsored LinksPromoted LinksPromoted LinksYou May LikealldelishHere is what happens to your body when you start eating 2 eggs every dayalldelishThebest1.xyz24 Most Dangerous Place On EarthThebest1.xyzHealth.recetasget5 Common Cancer Signs to Pay Attention ToHealth.recetasgetSportPirateElle Macpherson Is Almost 60, Try Not To Smile When You See Her NowSportPirateWorld of sportTop 20 Healthiest Cities in America in 2021World of sportPeeps Crystal ClearDon’t Use Your Shirt To Clean Glasses. Use This!Peeps Crystal ClearMoney Buddy17 Jobs That Won’t Be Around In 20 YearsMoney BuddyDefinitionThese Are The Funniest Photos Of IT Support WorkersDefinitionOnline Jobs | Search AdsDo You Speak English? You May Be Able To Work a USA Job From Home in ScottsdaleOnline Jobs | Search Ads Tags: TSB Banking Group The boss of Sabadell had to clarify that, although he was open to selling TSB, there’s no deal in the works (AFP via Getty Images) Also Read: Coronavirus: TSB to axe a third of branches and over 900 jobs The Unite union said the cuts marked a “dark day for the finance sector” and would leave TSB staff “devastated”.  “Closing any of our branches is never an easy decision, but our customers are banking differently – with a marked shift to digital banking,” said TSB chief executive Debbie Crosbie.last_img read more

US Election: Biden’s (almost certain) win: How it happened

first_img9.22pm Postal voting delays US Election: Biden’s (almost certain) win: How it happened Don’t miss: The City reacts 12.53am Florida see-sawing in dramatic vote count 13.33: Pennsylvania update expected any moment 7.41pm Dogs at polling booths Here’s how the last three days went. We’ve wrapped up our live blog as the result becomes clearer. That means that if the race is close then we will not know the final result for days or even potentially weeks if there are legal challenges and recounts. “You know these big city machines are crooked, you know that. Voter fraud is one of the biggest, because that’s how you keep your power.” The case is being brought forward by Kathy Barnette, a Republican candidate for Congress, and Clay Breece, chairman of the Republican Party in a neighbouring county. Biden is closing in on overtaking Trump in the state of Georgia, which would bring him to the cusp of winning the election today. Businesses and markets hate uncertainty, and pollsters did seem to offer a false sense of security. This opinion piece from the City A.M. business features desk gives a bit of insight on how businesses can handle the choppy waters when near-certainties completely fall away. WI Presidential Election ResultsBiden (D): 50% (1,572,151 votes)Trump (R): 49% (1,553,512 votes)Estimated: > 95% votes inMore results here: https://t.co/WSml3RdgJ2— Decision Desk HQ (@DecisionDeskHQ) November 4, 2020 18.40 Michigan judge throws out Trump lawsuit Pennsylvania is the biggest undeclared state remaining, with 20 electoral votes up for grabs. If Biden wins it, he wins the presidency. Trump must win Pennsylvania to retain any path to the White House. Continued counting of postal votes in Wisconsin and Michigan suggests that Joe Biden could be en route to victory via the slightly unconventional route of Arizona, Nevada and the Rust Belt. If Biden wins the state, he will have 269 Electoral College votes wrapped up – just one shy of the 270 needed to win. President Trump has tweeted, again, alleging foul play in the electoral process. There is, at this point, no evidence of that claim. It’s worth noting that Republicans in states like Pennsylvania in fact created the very conditions that President Trump is complaining of. Biden, on the other hand, is considered a bearish prospect due to his commitments to green energy policies, as well as doveish approach to Iran. Matters were made worse last night after Trump supporters claimed Republicans were handed “sharpie” permanent markers to make their ballots in Arizona unreadable. When asked what would signal tonight that he had the race won, Biden said: “Well, I don’t know. I don’t know. For example, if Florida came in by 1am it’s over. Done.  15:25: Biden campaign says “on track” to win election The US dollar likewise reversed early losses and gained 0.46% on a basket of currencies to 93.561. Biden will block Trump’s path to 270 if he wins in Georgia. They are working hard to make up 500,000 vote advantage in Pennsylvania disappear — ASAP. Likewise, Michigan and others!— Donald J. Trump (@realDonaldTrump) November 4, 2020 However, the close result throws further confusion in Wisconsin. If a candidate comes within 1 percentage point of the winner in the state, the candidate may request a recount. 8.56: Trump’s lead in Georgia plunges to a handful of votes President Donald Trump’s lead against rival Joe Biden has shrunk to just 463 votes, handing the Democrat a clear path to the White House with four states left to be declared. Betfair has favoured Joe Biden to win the US election after he overtook Trump in Wisconsin. Speaking from the White House, Trump quipped: “This is the latest news conference I’ve ever had.” The “Stop the Steal” group, which called for “boots on the ground to protect the integrity of the vote,” was adding 1,000 new members every 10 seconds and had grown to 365,000 members in a day. Biden started the morning in Wilmington, Delaware, where he went to church and then visited the graves of his deceased wife, daughter and son. 5.20am Trump building large leads in three Rust Belt states Share Votes still being counted in battleground states like Pennsylvania and Georgia, investors were abandoning cautious pre-election positioning, driving the Dow (1.7 per cent), Nasdaq (2.4 per cent) and S&P 500 (1.9 per cent) for a fourth straight session. Democratic presidential nominee Joe Biden is overtaking President Trump in Michigan but key battlegrounds are yet to declare. (Photo by ROBERTO SCHMIDT/AFP via Getty Images) Also Read: US Election: Biden’s (almost certain) win: How it happened That’s it for election results updates until 9:00 am on Nov. 5. Here’s what has been counted so far:All in person early votesAll in person Election Day votesAll mail ballots through Nov. 21/2— Nevada Elections (@NVElect) November 4, 2020 Joe Biden is on 49.5 per cent, while Donald Trump is on 48.5 per cent. The FBI is investigating reports in several U.S states of robocalls made to potential voters in an apparent effort to suppress voters, according to a senior homeland security official. All three states will count early and mail-in votes last, where Biden is expect to do better. The Democratic Senate candidate for Maine Sara Gideon has conceded the race, leaving the party unlikely to win control of Congress’ upper chamber. He claimed victory in Georgia and North Carolina – key states where votes are still being counted – as well as highlighting a huge lead in Pennsylvania. Trump has made a series of sensational and baseless claims at the press conference about how the election was being stolen from him. 9:59: Biden pulls ahead in Wisconsin 23.20: Biden continues to cut into Trump’s Georgia lead Joe Biden has taken the lead in Pennsylvania for the first time. With an extra 31,000 votes counted in Philadelphia, which voted overwhelmingly for the Democrat, Biden pulled ahead of Trump by 5,587 votes. Trump has to hold onto the state if he’s going to have any chance of pulling off a come-from-behind victory. For the latest from Georgia and Pennsylvania, where Biden has taken the lead and appears set for victory, click here. Democrats picked up seats in Colorado and Arizona, while Republicans picked one up in Alabama in the battle for control of the US Senate in today’s election. Don’t miss: All you need to know so far 8.30 Long wait ahead as counting continues German Defence Minister Annegret Kramp-Karrenbauer said the situation in the United States after the election is “explosive” as she is concerned it could lead to a constitutional crisis. 21.23: Biden calls for patience: ‘Each ballot must be counted’ Joe Biden expected to make a statement at 5.30am— Sophy Ridge (@SophyRidgeSky) November 4, 2020 “Soon, early leads for Biden in North Carolina, Georgia, Iowa and Texas evaporated and Trump’s odds crashed to a low of 1/4. Early votes had been declared first, creating a ‘blue mirage’ that would disappear once election day ballots began to be counted.” It is expected this will favour Trump as the majority of early ballots were for the Democrats. Nevada’s attorney general has announced that the state will not know its final vote count until Saturday at the very earliest. President Trump, who’s holed up in the White House today, has shared a video from Nigeria showing a stream of fans in a street. As of 12.53am he leads by just three thousand votes. 20.45 The state of play Inside the White House East Room, waiting for ⁦@realDonaldTrump⁩ statement. pic.twitter.com/AW62wneBam— Jeff Mason (@jeffmason1) November 4, 2020 Biden needs just 17 Electoral College votes to win and will be President-elect if he maintains his lead in Arizona and Nevada. Democratic presidential nominee Joe Biden is overtaking President Trump in Michigan but key battlegrounds are yet to declare. (Photo by ROBERTO SCHMIDT/AFP via Getty Images) Also Read: US Election: Biden’s (almost certain) win: How it happened City A.M. spoke to Florida local Angel Vasquez at a Washington polling place while he was escorting his friend to the voting booth. 6.27am Trump takes Texas The Trump campaign is launching a legal challenge to the election results in Pennsylvania, with Eric Trump claiming there had been counts of voter fraud in Philadelphia. The vote is also trending toward Biden in Pennsylvania, but he still trails by more than 100,000 votes. The Senate, however, is a toss-up. In total, 12 Republican-held seats and two Democratic-held seats are in play, based on a Reuters analysis of three nonpartisan U.S. elections forecasters – the Center for Politics at the University of Virginia, the Cook Political Report and Inside Elections. Almost 100m people voted early this year nationwide due to the coronavirus crisis, which is about 70 per cent of the total 2016 vote. 17.59 Joe Biden calls for calm However, Wall Street appears to have found its footing this morning, following a rally in technology stocks.  Investors trading in Asia-Pacific markets are now hedging against the risk of a contested election or at least a drawn-out process as mail-in ballots were counted. Democratic presidential nominee Joe Biden is overtaking President Trump in Michigan but key battlegrounds are yet to declare. (Photo by ROBERTO SCHMIDT/AFP via Getty Images) Also Read: US Election: Biden’s (almost certain) win: How it happened The former vice President Biden’s team says he doesn’t expect a final result for the entire race will be known today. A heavy swing to Biden could also foreshadow similar swings in other battleground Midwest states won by Trump in 2016. The last Democratic presidential candidate to win Georgia was Bill Clinton in 1992. 19.23 Biden continues to cut into Trump’s Pennsylvania lead Pennsylvania has just 350,000 votes to count, with Biden trailing by 112,000 votes in the state. The lead in Florida has been changing constantly over the past hour, with Biden narrowly in front with 81 per cent of the vote counted. 6:22pm ‘Winning is easy’ “If there’s something to talk about tonight I’ll talk about it. If not, I’ll wait until the votes have been counted the next day,” he said. Joe Biden is trailing President Donald Trump by around 18,00 votes currently, but is rapidly gaining ground as mail-in votes are counted. The party is claiming officials in the Montgomery County are allowing mail-in ballots to be counted before polling today, which is in violation of Pennsylvanian state election rules. “We, the people will not be silenced. We, the people, will not be bullied. We, the people, will not surrender. My friends I’m confident we’ll emerge victorious,” Biden said. 4.58PM Welcome to 2020 US election day Biden leads the state by just 12,000 votes. “Frankly, we did win this election,” Mr Trump said to cheering supporters.“We want the law to be used in a proper manner, so we’ll be going to the US Supreme Court.” 14.37: President Trump is tweeting, calling for an end of vote counting If Biden does win the election he only needs to win one more state to win the election. whatsapp Michigan is worth 16 electoral votes, meaning if Biden wins the state he would only need a further 16 votes to win the presidential election. Trump has said at a White House press conference that he has won the election and that it was rigged in a series of false claims. Most of the mail-in ballots have broken toward Biden, meaning he has every chance of overtaking Trump. Biden has been steadily cutting into the President’s lead as more and more mail-in ballots are counted. Biden’s lead in the state comes after the Democrat scooped up ballots in Green Bay and Kenosha. Biden has stretched his lead in Nevada to 12,000 in a blow for Trump’s chances of re-election. 12.02am First votes coming in from Florida 11.23 Biden’s lead narrows in Arizona Around 83 per cent of votes have been counted in Michigan, where President Trump has taken 49.8 per cent of the vote and Biden has taken 48.5 per cent. Millions of votes are still to be counted. An election worker counts Fulton County ballots at State Farm Arena yesterday in Atlanta, Georgia “There have been reports of irregularities in several Wisconsin counties which raise serious doubts about the validity of results.” Trump has taken leads in swing states of Ohio, North Carolina and Texas after Biden built up early leads. Democratic presidential nominee Joe Biden is overtaking President Trump in Michigan but key battlegrounds are yet to declare. (Photo by ROBERTO SCHMIDT/AFP via Getty Images) Also Read: US Election: Biden’s (almost certain) win: How it happened Of these, only Georgia is expected to be a battleground state, with the others all safely either blue or red. 9.45: Georgia flips to Biden Trump has a small three per cent lead in the battleground state of Georgia with just five per cent of votes counted. He would then only have to win one of Nevada and Arizona and he currently leads in both states. 17.46 Trump campaign requests Wisconsin recount It is expected that Georgia’s finally tally will be known today. A lot of the people I’ve spoken to at the polling booth are expecting civil unrest tonight in D.C., including Jamie here #Election2020 #ElectionNight #Vote pic.twitter.com/x6vmGe3Mxy— Stefan Boscia (@Stefan_Boscia) November 3, 2020 Traders on the betting markets are certainly keeping an eye on those results from Wisconsin. Joe Biden was trading at the equivalent of 7/2 on the Betfair Exchange just an hour ago — he’s now at just below evens. Somebody’s making money this morning…  Trump leads Biden in Pennsylvania by about 130,000 votes, however there are still an estimated 500,000 votes to be counted. Laura Boebert, a Republican candidate who has previously expressed her support for the QAnon conspiracy theory, has been elected to the House of Representatives. US broadcasters are calling Kentucky for Trump and Virginia for Biden, which is in line with expectations. Pennsylvanian Republicans are suing officials in a suburban county near Philadelphia that favours Democrats. 10.59 Arizona causes confusion Biden has a very narrow lead in Texas, which has become a swing state in the past four years. The campaign has already launched legal action in Georgia. 14.25: The huge figure that doesn’t actually matter: Georgia has just 47,277 votes left to count, with Biden trailing by 12,835 in the Southern state. This means that Biden is highly likely to win the state, which voted for Trump last time, as early votes are expected to swing heavily in the Democrats’ favour. The Democrat is also leading in Arizona and Nevada. 16.58 Trump tweets again In Pennsylvania, vote tabulation is prohibited until 7 am on election day. If Biden bags Arizona, the White House is within touching distance, but if Trump wins, the Democrat’s hopes of an easy win could turn sour. Trump swept all three of the so-called Rust Belt states in 2016. Where it could be important is these numbers show a swing to Biden in suburban areas. With regards to Trump’s call for voting to be stopped, Raab said he “appreciates democratic values” and there are “checks and balances in the US system.” London’s blue-chip index fell over one per cent immediately after the open, but pared back losses in the first few minutes of trading to 0.75 per cent.  The FTSE 100 was tracking slightly higher than US stocks this morning, with the rush to the dollar pushing down the pound. 3.40am Democrats maintain control of the House of Representatives “Donald trump has done so much damage…he’s created a lot of division. If he wins a lot of people will not believe in the system anymore and people are going to take to the streets.” The Republicans look like they will be in line to win at least another three seats in the remaining races, giving the party a majority. The US electoral map has not moved today, however state counts in Pennsylvania and Georgia are inching toward giving their final results. 5.50pm Fans from afar Tags: Donald Trump Joe Biden People US Election 2020 US Presidential Election 2020 His victory in the traditionally conservative state does not come as a surprise, although Democrats had quietly hoped to take the state. This was a must-win for Trump. A win in the southwest state would give either candidate six electoral votes. Biden currently leads with 238 electoral votes, while Trump has 213. Both sides need 270 to win. He is currently neck and neck with Trump and needs to win two of Michigan, Pennsylvania and Wisconsin to become president. Nevada, which has six Electoral College votes, voted for Hillary Clinton in 2016. The President leads by eight points in Michigan and five points in Wisconsin. So far, absentee votes in Pennsylvania have favored Mr. Biden by 78 percent to 21 percent, according to the Secretary of State’s office. If the still-uncounted absentee votes followed this pattern, as seems likely, he would win Pennsylvania. https://t.co/edQdjuHYcl— The Upshot (@UpshotNYT) November 4, 2020 After almost 48 hours, we are wrapping up our US election live blog for the evening. When asked how he was feeling about on the day he could be elected US President, Joe Biden who was visiting his childhood home in Scranton, Pennsylvania said: 12.05: Biden increases lead against Trump in Georgia 9.52 Did the Democrats throw away their shot to topple Trumpism? The US election has not delivered the Joe Biden landslide that many were anticipating. Instead, the Democratic candidate appears to be limping towards a narrow Electoral College victory, which may well end up in the courts. Joe Biden has beaten President Trump convincingly in the popular vote, currently sitting at 72.1 million to 68.6 million. Biden has a commanding eight-point lead in the Midwest state of Ohio with almost half of the votes counted. Welcome back to our coverage of this marathon presidential election. “I think 50-75 Latino males seem to be more drawn to Trump,” he said. 6.52am Georgia too close to call That slimmed down Biden’s total lead against Trump in the state to around 68,000 votes, meaning the final result could be on a knife-edge. However, with results in Nevada – where Biden holds just a 7,000 vote lead – not expected until 17:00 GMT, it could yet be a long and anxious wait. 17.09 Biden increases Nevada lead to 12,000 votes Biden will take Arizona’s 11 electoral votes, AP has confirmed. They are finding Biden votes all over the place — in Pennsylvania, Wisconsin, and Michigan. So bad for our Country!— Donald J. Trump (@realDonaldTrump) November 4, 2020 Dog at polling station klaxon! Henry here even has a @JoeBiden leash pic.twitter.com/9842tWwBMo— Stefan Boscia (@Stefan_Boscia) November 3, 2020 Vasquez gave some insight into why male Latino voters in particular might be drawn to the President. 22.17 Biden closing in on victory as Michigan called for him Biden’s camp is confident they will win Pennsylvania. Wisconsin would hand Biden 10 electoral votes, meaning the state could pave the way to the White House for the Democrat, who needs just 32 votes to tip to victory. I will be making a statement tonight. A big WIN!— Donald J. Trump (@realDonaldTrump) November 4, 2020 Trump leads the state by about 115,000 votes, but there are still hundreds of thousands of votes to count. Pound sterling has slumped to $1.29, after earlier reaching a high of $1.31 earlier tonight. He currently trails Biden by just 0.6 per cent, less than 8,000 votes, in Nevada, with 86 per cent of votes reported. 16.21 Two types of punter wins from election results Georgia has less than 50,000 votes to count and Biden is trailing by less than 13,000 votes. Trump’s best chance of winning is if he can flip Nevada and hold onto leads in Pennsylvania and Georgia. There has been no credible evidence of voter fraud in Pennsylvania or Wisconsin, despite claims from the Trump camp. The President is close to overtaking Biden in the battleground state of North Carolina, after trailing early. If Biden does win Georgia, he will need to win just other state to claim victory. 12.25am Early states called for each candidate 10.31pm Democrat doggo at polling station More than 1m valid ballots are yet to be counted in the state and analysts are predicting Biden is on track to win. Trump’s surge in key states has seen him significantly shorten with bookmakers, after entering the night as the underdog. Biden has taken the lead in Florida by 51 per cent to 48 per cent, with 44 per cent of total votes in. The magic number is 270. 10.18: Betting markets all over the place as results come in “It is entirely possible that Trump could win — but he has cast doubt on the integrity of the entire electoral process purely for his own personal advantage. It’s a disgrace.” Traders had bet that a decisive Democratic victory could ease political risk while promising a huge boost to fiscal stimulus, but the mood quickly shifted as President Donald Trump took key battleground states including Florida. The president’s son and press secretary both echoed this message: Oil prices jumped this morning after President Donald Trump falsely claimed to have won the US election with millions of ballots still to be counted. Biden leads Michigan by just 34,000 votes, with 92 per cent of votes counted, however he is expected to pick up a majority of the rest of the votes which are all mail-in and early ballots. Democratic presidential nominee Joe Biden is overtaking President Trump in Michigan but key battlegrounds are yet to declare. (Photo by ROBERTO SCHMIDT/AFP via Getty Images) Also Read: US Election: Biden’s (almost certain) win: How it happened Joe Biden speaks at a hangar campaign event at Milwaukee Mitchell International Airport in Milwaukee, Wisconsin, on October 30, 2020 For a bit of lighter relief after the last post, here are some dogs fulfilling their civic duty today! 14.33: QAnon supporter joins House of Representatives 18.56 Trump camp demands ballot counting is stopped in Michigan Joe Biden has edged ahead of President Donald Trump in Michigan for the first time, according to the Associated Press. “As votes in Michigan continue to be counted, the presidential race in the state remains extremely tight as we always knew it would be,” he said. Trump is on 50.5 per cent, while Joe Biden is currently on 48.3 per cent. The gap is approximately 100,000 votes, and there are around 400,000 ballots still expected to be counted. “We have filed suit today in the Michigan Court of Claims to halt counting until meaningful access has been granted. We also demand to review those ballots which were opened and counted while we did not have meaningful access. President Trump is committed to ensuring that all legal votes are counted in Michigan and everywhere else.” 13.57: Biden takes the lead in Pennsylvania 21.12 Biden confident of victory once counting is finished Friday 6 November 2020 2:00 pm The early votes are expected to sway toward Biden, meaning if he has a solid lead by the end of the tonight then he will likely be able to claim victory tonight. 23.24 Goodnight from us! 4.46am Electoral College as it stands right now That saw 10-year Treasury yields drop all the way back to 0.85%, from a five-month top of 0.93%. Betfair spokesperson Sam Rosbottom said: “Joe Biden is now back in front and the 1/2 favourite to be elected ;president as more news unfolds from the key swing states in the United States. 15.35: Trump campaign digs heels in despite vote counts Michigan is one of the key battlegrounds remaining in the election, with a victory in the state handing the successful candidate 16 electoral votes. Almost 100m people have already cast their votes through mail-in and absentee ballots, which is about 70 per cent of 2016’s total vote count. Show Comments ▼ President Donald Trump, whose chance of re-election moved to as high as 1/4 (80 per cent chance) earlier today, is now out to a 2/1 shot as votes continue to be counted, according to Betfair. All votes have been counted in the Midwest state, with the Wisconsin Elections Commission Administrator saying the Democratic nominee has won by 20,697 votes. Georgia, home to the heaving metropolis of Atlanta, became a surprise swing state this election and a key Democrat target. Election official there are still counting the votes and President Trumps lead has shrunk to a mere 18,000 votes. Donald Trump is holding onto the lead in North Carolina, where 95 per cent of votes have been counted. Trump is on 50.1 per cent, while Joe Biden is on 48.7 per cent in the state. “Keep the faith guys, we’re going to win this.” Michigan’s secretary of state has said the Midwest state will have “close to a full result” announced by the end of the day, before extra precautions are taken to give a final result by Friday at the latest. Speaking in Wilmington, Delaware, Biden was careful not to declare outright victory yet but seemed confident after winning Wisconsin and leading in Michigan. Democratic presidential nominee Joe Biden is overtaking President Trump in Michigan but key battlegrounds are yet to declare. (Photo by ROBERTO SCHMIDT/AFP via Getty Images) Also Read: US Election: Biden’s (almost certain) win: How it happened Michigan secretary of state Jocelyn Benson said: “When we have that first full tabulation [by the end of today], we will then begin the process of final and secure protocols for final tabulation which could take another 24 hours’ time. Absentee votes in Pennsylvania favour Biden by 78 per cent to 21 per cent, according to the secretary of state’s office. West Virginia, Kentucky, Oklahoma, Tennessee, South Carolina, Alabama, Mississippi are all red. No Republican candidate has ever won a presidential election without winning Ohio. But other outlets have cautioned that the call may have been premature, and stripped the Democrat of the 11 votes until a total count for the state is in. We are up BIG, but they are trying to STEAL the Election. We will never let them do it. Votes cannot be cast after the Polls are closed!— Donald J. Trump (@realDonaldTrump) November 4, 2020 2.30am Markets in Asia are skittish as hopes of a decisive outcome fade Arizona would be the only state Biden has managed to flip so far, after he was unable to win over the battleground states of North Carolina, Texas and Georgia. 10.27 Biden holds onto lead in Nevada “This is a very explosive situation. This is a situation that can lead to a constitutional crisis in the US, as experts are rightly saying. And it is something that must cause us great concern,” Kramp-Karrenbauer told German television channel ZDF this morning. #BREAKING Democrats retain control of House of Representatives: US networks pic.twitter.com/P2MCYAZo79— AFP news agency (@AFP) November 4, 2020 “With three-quarters of the vote remaining, Biden’s task seemed daunting. He would need to win around 70 per cent of that final quarter of ballots.  However, as they carry on counting, he is running ahead of that requirement in Michigan and Wisconsin. 17.22 Philadelphia and Pittsburgh temporarily stops counting 1.06 am Republicans trying to limit processing of mail-in ballots in Nevada 14.46: Protests and parties in Philadelphia People participate in a protest in support of counting all votes as the election in Pennsylvania is still unresolved (Photo by Spencer Platt/Getty Images) Democrats said the claims — dubbed “sharpiegate” — were part of a misinformation campaign to undermine Biden’s lead in the state. Joe Biden has pulled ahead in Georgia by 917 votes, meaning the state has flipped over to the Democrat for the first time. A win for the incumbent is seen as bullish for oil markets due to Trump’s hardline stance on Iran. 13.15: Shares and bonds jump as Biden inches towards victory Both the Associated Press and Fox News called Arizona for Joe Biden last night, handing the Democrat 11 electoral votes and taking his total to 264 — just 6 votes away from the presidency. “This is a concerted effort by the folks who run the Democrat party,” he said. “Taking the lead in Wisconsin could be the turning point with the Democrat now also projected to win Nevada and Arizona, which would likely give him the 270 electoral college votes he needs for victory.” A parade for me in Nigeria, a great honor! pic.twitter.com/EHiSQMFvSZ— Donald J. Trump (@realDonaldTrump) November 3, 2020 5.40pm How’s Biden feeling on Election Day? The secretary of state there has said there are now just 25,000 votes left to count and a final announcement on the winner should be expected soon. 10.53 Oil prices jump on Trump’s false ‘victory’ declaration Even if The Donald is beaten, he is hardly vanquished, and the Democrats also look like they’ve failed to take the Senate. Read more here. All the remaining ballots that are to be counted are mail-in ballots, which are skewing heavily toward Biden. It’s thought equity markets are pricing in a Biden win and the economic stimulus that’ll likely come with it. Benchmark American crude oil prices climbed 2.5 per cent, as signs of a path to victory for Joe Biden became clearer throughout the day. Just over 97 per cent of total votes have been counted in the state. So far, 76 per cent of mail-in ballots have gone to Biden, while 23 per cent favour Trump This includes up to 150,000 votes in Philadelphia, which will swing heavily to Biden. Biden has picked up around 70 per cent of mail-in votes in Pennsylvania, meaning that he looks likely to pick up enough votes to overtake the President. Trump’s lead over Biden is down to 15,00 votes in the southern state, with around 50,000 votes left to count. WHAT IS THIS ALL ABOUT? https://t.co/6487pYLZnL— Donald J. Trump (@realDonaldTrump) November 4, 2020 Trump is leading Biden by more than 600,000 votes, and 13 points, in Pennsylvania, however there are at least 1m mail-in and early votes to count. Democratic presidential nominee Joe Biden is overtaking President Trump in Michigan but key battlegrounds are yet to declare. (Photo by ROBERTO SCHMIDT/AFP via Getty Images) Also Read: US Election: Biden’s (almost certain) win: How it happened Twitter users are not permitted to either like or respond to the tweet. Perhaps some wise words from FiveThirtyEight editor-in-chief Nate Silver about hanging about on Twitter waiting for election news…and getting a whole lot of opinion and “reckons”. The respected poll-watcher Decision Desk suggests Joe Biden has pulled ahead in counts in Wisconsin — which, along with Arizona and Michigan, could lay the path to the White House for the Democrat. https://twitter.com/USPoliticsPoll/status/1323968289878495235 7.54am UK Foreign Secretary Dominic Raab is “not worried” 15:17: Wall Street climbs in face of uncertainty 16.49 All eyes on Georgia as final votes come in “In Pennsylvania, there are still around 25 per cent to count, from which Biden will need around 68 per cent of these. Given where they are – urban and suburban areas which are strongly pro-Democrat – and the trend among early voters nationwide, this is within range.” 4.58pm When will we have the results? The President has to hold onto Georgia if he is to have any chance at all of winning the election, which is quickly slipping away from him. 7.23am Trump: ‘We will win this’ Read our midday update for all you need to about the election so far, as paths to victory remain for both Joe Biden and Donald Trump. Biden will be on 269 Electoral College votes if he wins Georgia and will at the very least will have drawn with Trump. Investors have found themselves rapidly adjusting their positions from big bets on Biden, as the race became too close to call. “We are also suing to temporarily halt counting until there is meaningful transparency and Republicans can ensure all counting is done above board and by the law… With these key actions, President Trump is telling all Americans he will do whatever it takes to ensure the integrity of this election for the good of the nation.” US investors faced their worst outcome this morning, as Election Day failed to produce a decisive result in the presidential election. Joe Biden has upped his lead against Donald Trump in Wisconsin to around 21,000 votes, meaning Trump’s chances of winning the state grow even slimmer. “We are up BIG, but they are trying to STEAL the Election,” Trump tweeted at 12:49am Eastern. “We will never let them do it. Votes cannot be cast after the Polls are closed!” However, this will change soon when Florida, Texas, Georgia and North Carolina are officially called for Trump. 11.53pm Biden pulls ahead in Kentucky Even if Biden pulls off an upset – and that’s a big if – it still wouldn’t tip him over the edge to 270 until results are known in Nevada, Pennsylvania or Arizona. Democratic presidential nominee Joe Biden is overtaking President Trump in Michigan but key battlegrounds are yet to declare. (Photo by ROBERTO SCHMIDT/AFP via Getty Images) Also Read: US Election: Biden’s (almost certain) win: How it happened Trump’s campaign yesterday launched a bevy of legal challenges, including in Pennsylvania’s two largest cities. The AP reports Biden has 49.3 per cent of the vote, against Trump’s 49.1 per cent foothold. State representatives said they were confident they would announce a full result for Michigan by this afternoon. There are protests from both sides in Philidelphia as the Pennsylvania vote count drags on. They remain peaceful, with reports on CNN showing even a DJ showed up. Trump supporters wont counting to start and say only votes recieved on the day should count. Biden supporters hold signs that say “count ALL legal votes”. Wall Street indices surged by the close of play in New York as investors bet that Republicans would retain control of the Senate and block any major regulatory policy changes under a possible Joe Biden White House that could hurt corporate profits. Several of these states, including Wisconisn and Pennsylvania, will not finish counting mail-in ballots until tomorrow or maybe even Thursday. 15.52 ‘What’s it all about?’ asks Trump Donald Trump is holding onto the lead in Georgia, where 92 per cent of votes have been counted. Democratic presidential nominee Joe Biden is overtaking President Trump in Michigan but key battlegrounds are yet to declare. (Photo by ROBERTO SCHMIDT/AFP via Getty Images) Also Read: US Election: Biden’s (almost certain) win: How it happened 9.16pm Twitter on election day Joe Biden has been declared the winner in Arizona, taking all of its 11 electoral votes. This is a huge and unexpected blow for Trump. Taylor Cappel added: “I think it’ll be less bad than we think, but that some stuff will most likely happen. Twitter has labelled this tweet by Donald Trump as misleading: Georgia would also hand the successful candidate 16 electoral votes, meaning the election result is currently razor thin. He also has a chance of winning Pennsylvania and Georgia, with many votes still to be counted from metropolitan areas in each state that usually swing Democrat. “I think the comments President Trump made a few hours ago where he basically said that he was winning, had won, and how the election would be stolen from him are some of the most irresponsible comments that a president of the United States has ever made,” Bolton told Sky News. Democratic presidential nominee Joe Biden is overtaking President Trump in Michigan but key battlegrounds are yet to declare. (Photo by ROBERTO SCHMIDT/AFP via Getty Images) Also Read: US Election: Biden’s (almost certain) win: How it happened Trump’s lawyer Rudy Giuliani made a series of unfounded claims at a press conference today, including that the Democrats had carried out nationwide voter fraud. If Biden wins the state more than 1.4m absentee votes by such a large margin, he would net around 800,000 votes — enough to tip past Trump and take Pennsylvania. You’re not going to learn anything useful about the election outcome on here until 7pm, i.e. when they start counting votes.— Nate Silver (@NateSilver538) November 3, 2020 In Georgia, with 91% of estimated votes tallied so far, Trump is leading with 50.6%, while Biden has 48.1%, according to Edison Research. Illinois, Connecticut, Vermont, Massachusetts, Maryland, Delaware and New Jersey are all blue. Las Vegas is located in Clark County. In a call with reporters campaign manager Bill Stepien said: “We are declaring a victory in Pennsylvania.” The City has got exactly what it did not want in this US presidential election: an unclear result. Democratic presidential nominee Joe Biden is overtaking President Trump in Michigan but key battlegrounds are yet to declare. (Photo by ROBERTO SCHMIDT/AFP via Getty Images) Also Read: US Election: Biden’s (almost certain) win: How it happened 12.50: Absentee ballots could bag Pennsylvania for Biden Democratic presidential nominee Joe Biden is overtaking President Trump in Michigan but key battlegrounds are yet to declare. (Photo by ROBERTO SCHMIDT/AFP via Getty Images) Also Read: US Election: Biden’s (almost certain) win: How it happened The first polls will close at 11pm London time in parts of Indiana and Kentucky, with a stream of states closing their polls every hour from this point onward. Jamie, who voted for Biden and didn’t give her last name, said: “Given all the controversy about mail-in ballots I just thought it would be safer during the day to come and it was, it was very open and lots of space and they hand sanitiser and it was clean.” However, our coverage will still continue as we get closer to having a winner in the 2020 US election. Nevada’s count will not be completed until Saturday at the earliest, while Arizona is also moving slowly. If Trump wins both Georgia and Michigan, as is looking likely, the President will need just 25 further electoral votes to head to victory. Biden currently needs 32 votes to be elected president. Some good news for the Biden campaign as he leads Arizona by 8.6 per cent with 75 per cent of the vote counted. 21.55 Trump camp to hold press conference at 11pm Republicans have fought off Democratic challengers in five of the 14 most competitive races, bolstering their chances of holding onto a majority in the 100-seat chamber. Democratic presidential nominee Joe Biden is overtaking President Trump in Michigan but key battlegrounds are yet to declare. (Photo by ROBERTO SCHMIDT/AFP via Getty Images) Also Read: US Election: Biden’s (almost certain) win: How it happened 9.42pm Can Trump win Florida through the Latino vote? 10.40 Biden takes Arizona “This ruling today by the appellate court in Pennsylvania guarantees we’re going to be able to watch the ballots being counted in a corrupt place that is known for its shenanigans on election day and after.” Before the Open newsletter: Start your day with the City View podcast and key market data Georgia is worth 16 electoral college votes, meaning a win in the state would be enough for Biden to take the presidency. Biden needs just six votes to take him over the 270 line, while Trump trails behind on 214. Pennsylvania is currently the highest-stakes state yet to be declared, with 20 electoral votes. If Biden wins Pennsylvania, he would need just 2 electoral votes to win the presidency. Very few people turning up to person in Washington, D.C. today with only a trickle of people at one polling booth near the National Mall. 8.21 Nevada result will not be known until Saturday at the earliest 20.38 Trump campaign falsely declares victory in Pennsylvania However, as former popular vote winner Hillary Clinton can attest, it doesn’t really count for much in the Electoral College system. The S&P climbed 1.5 per cent in early trading today. The Dow Jones was up 0.05 per cent to 12,883.82 at market open, while the Nasdaq jumped 3.54 per cent to 11,555.4 as tech heavyweights such as Apple and Microsoft surged. Biden’s lead is one per cent over Trump, which is an increased 0.4 per cent. Joe Biden’s campaign manager has just told the press the former Vice President is confident of victory. Trump aide Jason Miller has just told journalists on a call I’m on that Biden cannot win if he loses Florida and Pennsylvania. “You’re not going to be bad in those states and then overperform in Arizona and North Carolina and sweep the upper Midwest.” #ElectionDay #Election2020— Stefan Boscia (@Stefan_Boscia) November 3, 2020 A Democratic victory would mark a new era in US politics, if the party also captures the White House and holds onto the US House of Representatives. The New York Times has Biden up on Trump by 85 electoral college votes to 55. Dead quiet at this polling station in Washington D.C. Very few people voting in person this year in the capital #Vote2020  #Election2020  #ElectionDay pic.twitter.com/1dmKN7kDYP— Stefan Boscia (@Stefan_Boscia) November 3, 2020 On Wall Street, the Dow Jones index rose 2.06%, the S&P 500 gained 1.78% and the Nasdaq added 1.85%. Democratic presidential nominee Joe Biden is overtaking President Trump in Michigan but key battlegrounds are yet to declare. (Photo by ROBERTO SCHMIDT/AFP via Getty Images) Also Read: US Election: Biden’s (almost certain) win: How it happened BIDENTRUMP23867,004,417 votes21365,325,923 votes 8.17am FTSE 100 slides Georgia is worth 16 electoral college votes, meaning a win in the state would be enough for Biden to take the presidency. Biden needs just six votes to take him over the 270 line, while Trump trails behind on 214. A lot of people City A.M. spoke to at one polling booth expect to see civil unrest and potential violence if Trump is re-elected. whatsapp If Biden wins Florida it will be almost impossible for Trump to win this election. Trump campaign manager Bill Stepien has said the President is “well within the threshold to request a recount and we will immediately do so”. Democratic presidential nominee Joe Biden is overtaking President Trump in Michigan but key battlegrounds are yet to declare. (Photo by ROBERTO SCHMIDT/AFP via Getty Images) Biden is behind now by just over 9,500 votes in Georgia as he continues to cut into Trump’s lead in the Southern state. UK’s Foreign Secretary, Dominic Raab, just said the British government is following the US Presidential Election “with great interest” as he emphasized he is “not worried” any US-UK trade deal would be less of a priority for a Biden administration. With 11 per cent of the vote counted, Biden has a surprise early lead in deep red state of Kentucky. 18.26 Democrats unlikely to win Senate with Maine loss The magic number to win the election is 270. Biden has built his lead through winning the classic Democrat states of California, New York and Illinois which were never in doubt. Democratic presidential nominee Joe Biden is overtaking President Trump in Michigan but key battlegrounds are yet to declare. (Photo by ROBERTO SCHMIDT/AFP via Getty Images) Also Read: US Election: Biden’s (almost certain) win: How it happened “We want all voting to stop,” Mr Trump added. “We don’t want them finding any ballots at four in the morning and adding them to the list.” The President has consistently questioned the legitimacy of mail-in voting throughout the campaign. He has even directly now accused Biden of systematic election fraud, without any evidence. Democratic presidential nominee Joe Biden is overtaking President Trump in Michigan but key battlegrounds are yet to declare. (Photo by ROBERTO SCHMIDT/AFP via Getty Images) Also Read: US Election: Biden’s (almost certain) win: How it happened He hailed the Republican party’s performance overnight, saying that the votes were not even closed. “We feel good about where we are – we really do,” he said. The Democrat candidate is on 253 votes and is leading in Nevada and Arizona, which have a total of 17 votes. 85 per cent of the votes have now been counted in Nevada (a further six per cent from two hours ago).  7.09am Trump expected to speak soon All these results are in line with expectations. 23.49: Trump claims victory falsely…again Trump’s campaign manager Bill Stepien has announced the President is filing a law suit to try and stop ballot counting in Michigan. 6.36am Twitter labels Trump tweet as misleading From our pals at Reuters: A judge ordered the US Postal Service to sweep mail processing facilities on Tuesday for delayed ballots and immediately dispatch any for delivery in about a dozen states including election battlegrounds such Pennsylvania and Florida. 16.33 Michigan will be able to give close to full vote tally by end of today In a short statement to reporters, Joe Biden reiterated the need for patience as President Trump ramped up the calls for counts to be halted. He already leads by Nevada and Arizona. Read more at our daily wrap: Biden in touching distance of White House as Trump calls in the lawyers The New York Times has Biden up on Trump by 85 electoral college votes to 55. 7.23pm Polling booths very quiet in Washington, D.C. on US election day Trump, meanwhile, is expected to address the Republican National Committee in Virginia this afternoon, before going back to the White House. Democratic presidential nominee Joe Biden is overtaking President Trump in Michigan but key battlegrounds are yet to declare. (Photo by ROBERTO SCHMIDT/AFP via Getty Images) Also Read: US Election: Biden’s (almost certain) win: How it happened 15.27 Trump campaign given access to observe Philadelphia count 5.44am Biden: ‘We’re on track to win this election’ Trump has focussed heavily on courting the Latino vote in this year’s election, especially in battleground states like Florida. Joe Biden delivers an address as the election comes down to the wire Trump’s campaign press conference in Georgia has been postponed and will be held at 12.30am. 11.10: Nevada stops counting Joe Biden speaks to supporters before embarking on a train campaign tour at the Cleveland, Ohio, Amtrak Station September 30, 2020 15.04 Trump makes another claim that election is rigged “After a long night of counting it’s clear we’re winning enough states to reach 270 needed for the presidency. I’m not here to declare that we’ve won, but I am here to report that when the count is finished, we believe we will be the winner”, he said. Georgia continues to be on a knife edge, with Donald Trump leading currently but being caught rapidly by Biden as postal votes from areas around Atlanta are counted. 8.01am Biden wins Arizona A victory in the state would hand either Trump or Biden 15 electoral votes. Biden currently needs 32 to win, while Trump is trailing behind, needing a further 57 to win. 1.19am Electoral College update – Biden leads early 12.25: Trump’s chances narrow in Wisconsin 3.16am Trump into short-priced favourite with bookies Polling throughout the campaign showed Trump was leaking votes in the country’s suburban areas. Importantly, CNN reports that only 29 per cent of votes counted so far in that state are early votes. 5.26pm Guess who’s back? 10.50pm Republican Party in Pennsylvania suing officials over mail-in votes “The eyes of the country are on Pennsylvania, but Pennsylvania has kept eyes off of the absentee ballot counting process all along, and that must stop today.” Biden has a 1.7 per cent lead in the southern state, with 80 per cent of votes counted. We spell out five key take-homes as election day heads into the small hours across the Atlantic. Little has changed overnight: Joe Biden is in poll position, with 253 of the 270 votes he needs, while Donald Trump has now brought legal challenges in four states. If Trump cannot pull off a victory in Florida then he will likely not have a path to winning the election. He called for every vote to be counted after President Trump announced legal action in Michigan and Pennsylvania to halt vote-counting. Biden is outperforming Clinton in many suburban areas, while Trump has had a stunning surge in Miami-Dade thanks to an increase in votes from the Latino and black communities. Only 85 per cent of Arizona votes have been counted so far, and Biden is leading with 51 per cent of the vote against Trump’s 48 per cent. Biden is one step closer to the White House, after officially winning Wisconsin. Winning Arizona would clear a path for Biden to win the election if he can win two of Pennsylvania, Michigan and Wisconsin. Whoever wins any two of the three states will win the presidency, however we will not know the final results for days. Poppy Wood, Stefan Boscia, and Josh Martin Donald Trump tells onlookers: “Winning is easy. Losing is never easy – for me.” 3.22am Pound drops against the greenback as Trump begins to surge However, this could be because Democrat voters were more likely to vote via mail-in ballot. Investors were pulling back on expectations for big swings in U.S. stocks on Tuesday, looking for market uncertainty to recede after Election Day. 12.47am Trump has early lead in battleground state of Georgia Several Democrat-leaning counties have yet to be counted, meaning the final results for North Carolina could be very tight. Election officials count absentee ballots in Milwaukee, Wisconsin, where Biden has inched ahead of Trump Europe and Asia’s stock markets jumped this afternoon, while bonds extended their rally as Joe Biden inched closer to winning the presidential election. “We will win this. As far as I’m concerned we already have”, Trump said. Last night I was leading, often solidly, in many key States, in almost all instances Democrat run & controlled. Then, one by one, they started to magically disappear as surprise ballot dumps were counted. VERY STRANGE, and the “pollsters” got it completely & historically wrong!— Donald J. Trump (@realDonaldTrump) November 4, 2020 It will all come down to rust belt states in the Midwest, which Trump was able to flip to red last election. Democratic presidential nominee Joe Biden is overtaking President Trump in Michigan but key battlegrounds are yet to declare. (Photo by ROBERTO SCHMIDT/AFP via Getty Images) Also Read: US Election: Biden’s (almost certain) win: How it happened Latest vote counts in the southwestern state of Arizona showed Joe Biden’s lead there narrowing. 20.19 Trump team starts legal action in Pennsylvania Biden leads the Electoral College vote right now by 209 votes to 118, according to the states already called by the New York Times. Yields on government bonds bounced back from overnight lows, with the yield on the 10-year Treasury note up 0.78 per cent. Democratic presidential nominee Joe Biden is overtaking President Trump in Michigan but key battlegrounds are yet to declare. (Photo by ROBERTO SCHMIDT/AFP via Getty Images) Also Read: US Election: Biden’s (almost certain) win: How it happened However, this trend was soon reversed when swing Rust Belt states came in. It’s Christmas morning for political nerds everywhere as Americans prepare to elect the next leader of the free world. 5.22am Biden preparing to make address at 5.30am “These ballots were cast by tens of thousands of Michigan citizens who have the right to have that vote counted.” Although President Donald Trump leads by nearly 700,000 votes in Pennsylvania, Joe Biden will likely steal the state through absentee ballots. 2.21am Trump closing the gap in Ohio Biden’s eight-point lead in Ohio down to less than four… #Vote2020 #ElectionDay #elections #Election2020— Stefan Boscia (@Stefan_Boscia) November 4, 2020 2.16am Biden and Trump neck-and-neck in the Lone Star state “I think if Trump wins there will be more [rioting], if he loses there will be some, but it will still be less.” This good boy’s name is Henry and he was proudly wearing a Joe Biden leash at a Washington polling station today. The traditionally deep red state is going through a series of demographic changes, which has seen the Democrats become much more competitive. “The phony polls were designed to keep our voters at home and make it seem as though we had no momentum. They were suppression polls.” City A.M. has been following the twists and turns of the US Presidential Election 2020 as Donald Trump and Joe Biden went head to head. “I expect results to be in on Friday, we’re on track for that. 8.48 German minister worried about constitutional crisis in US Democratic presidential nominee Joe Biden is overtaking President Trump in Michigan but key battlegrounds are yet to declare. (Photo by ROBERTO SCHMIDT/AFP via Getty Images) Also Read: US Election: Biden’s (almost certain) win: How it happened Biden is closing in on the 270 Electoral College votes needed to win the presidency as Michigan has been called for Biden. He also said that “a very sad group of people is trying to disenfranchise” the millions who voted for him, without citing evidence. Asian stocks climbed two per cent overnight to reach their highest since February 2018. Trump is building large leads in Pennsylvania, Michigan and Wisconsin – the three states that will decide the US election. 4.15am Biden on track to win Arizona E-Mini futures for the S&P 500 veered wildly between negative and positive and were last up 0.3%. Japan’s Nikkei was still ahead by 1.7%, but MSCI’s broadest index of Asia-Pacific shares outside Japan went flat. Donald Trump has officially won Texas and its crucial 38 electoral votes, AP just announced. BREAKING: Joe Biden wins Arizona. #APracecall at 12:51 a.m. MST. #Election2020 https://t.co/lGfinjTqT4— AP Politics (@AP_Politics) November 4, 2020 10.58pm Trump aide says no path for Biden to win without Florida and Pennsylvania Wisconsin would hand Biden 10 electoral votes, with the Democrat needing 32 votes to tip to victory. 20.10 Less than 50,000 votes left to count in Georgia Las Vegas is located in the county being challenged by the Republicans Some areas affected by the order are central Pennsylvania, greater South Carolina, south Florida, Colorado, Arizona, as well as the cities of Atlanta, Houston, Philadelphia, Detroit and Lakeland, Florida. 7.47am Trump says he is ready to take result to Supreme Court 8.31am Electoral college votes so far Trump’s son Donald Jr and several other campaign figures will hold a press conference in just over one hour in Georgia. STOP THE COUNT!— Donald J. Trump (@realDonaldTrump) November 5, 2020 21.42 Trump launches legal challenge to Pennsylvania vote Democratic presidential nominee Joe Biden is overtaking President Trump in Michigan but key battlegrounds are yet to declare. (Photo by ROBERTO SCHMIDT/AFP via Getty Images) Also Read: US Election: Biden’s (almost certain) win: How it happened However, CNN reports that most of the remaining ballots to be counted are in-person votes that were cast today. 11.20: Trump’s ‘victory’ comments ‘a disgrace’, says his former national security adviser 11.47: Georgia and Michigan updates The polls will close in Georgia, South Carolina, Vermont and Virginia in just half an hour, while the rest of the counties in Indiana and Kentucky will also close. Results in Georgia, which voted for Trump in 2016, may indicate trends in other similar swing states like North Carolina and Florida. John Scott said: “I’m concerned if Donald trump wins I think at this point in time a lot of people are tired, a lot of people are really getting out there to vote and we want to believe in this system. Trump’s campaign aide Jason Miller said to a call of journalists just two hours ago that Trump was set to surge with black and Latino voters – so far he’s right. Trump has picked up a huge swing in diverse Miami with 84 per cent reporting— Stefan Boscia (@Stefan_Boscia) November 4, 2020 The move coincides with Trump’s surge in key swing states of Ohio, North Carolina, Michigan and Wisconsin. Of course, the race for the White House hogs all the attention, but control of the Senate and Congress hangs in the balance of tonight’s vote as well. The President’s best chance of salvaging a victory is through flipping Nevada, which has an estimated 200,000 votes still to count. Democratic presidential nominee Joe Biden speaks during a drive-in campaign rally at the Florida State Fairgrounds on October 29, 2020 in Tampa, Florida Japan’s Nikkei rose 1.7 per cent to a more than nine-month peak, while South Korea gained 2.4 per cent and Chinese blue chips added 1.3 per cent on hopes a Biden White House would ease up on tariffs. An updated vote count in Pennsylvania is expected very soon, according to officials.  The Democrat has been closing the gap over the last 24 hours in Georgia and would effectively end the election if he took the state. A dump of early ballots from Florida have been announced, with Trump holding a six per cent lead. Trump is now 8/15 to win the US election, with Biden out to 13/5. 20.56 Thursday night trading update A Pennsylvanian court has granted the Trump team access to observe the remaining count in Philadelphia, after previously being made to stand 50 feet away. 13.54: The pollsters have some answering to do… However, these are very early figures and not expected to hold up by the end of the night. A voter stops her dog from barking as she fills in her ballot at Greenwich High School in Greenwich, Connecticut The FTSE 100 slumped this morning as uncertainty over the results of the US Presidential election sent shockwaves through global equity markets.  Joe Biden has become the first ever presidential candidate to receive more than 70m votes, making him the most-voted for presidential candidate of all time. If Biden can manage to flip Georgia blue, after it voted Trump in 2016, it would likely signal he is on track to win other key southern swing states. 2.38: Biden cuts Trump’s lead in Georgia to less than 2,000 votes 2016 Democrat nominee for President Hillary Clinton, who lost the electoral college to Donald Trump, has voted…presumably for Joe Biden. Counting is now underway after some counties in Kentucky and Indiana have closed. “I’m here to tell you tonight we believe we’re on track to win this election. We’re feeling good about where we are. Polling shows a majority of Americans expect violence after the election results and gun sales have skyrocketed nationally. A win in the southwest state would give either candidate six electoral votes. Biden currently leads with 238 electoral votes, while Trump has 213. Both sides need 270 to win. “We don’t know what the outcome will be. 11.06pm Biden says he may not make an address tonight Many of the ballots to come in are from suburban Atlanta, which will likely swing blue, as well from rural Georgia, which will likely swing red. City A.M.’s resident political expert Paul Krishnamurty said two groups of betters would be vindicated by the election result. Deputy campaign manager Justin Clark said: “We are suing to stop Democrat election officials from hiding the ballot counting and processing from our Republican poll observers – obvservers whose only job is to make sure every valid ballot is counted, and counted one.” The race is going to come down to the states of Pennsylvania, Michigan and Wisconsin, however all three states have said they won’t have a final count for days. “If Florida doesn’t come in and what happens is the early vote occurs in some other states, I think we’re going to do well in them and we’re going to re-establish that ‘blue wall,’ I feel good about that.” Biden has told a group of reporters in Wilmington, Delaware that he will only make an address tonight to the nation if there is a clear result. Most of the buildings in Downtown Washington have been boarded up as people fear that looting and rioting could break out in the capital. Biden has said in Wilmington, Delaware that he is “on track to win this election”. 11.50: North Carolina update Philadelphia and Pittsburgh have momentarily stopped counting votes as they deal with Trump’s lawsuits. America is on course for its highest electoral turnout for more than a century. More than 100m people cast their ballots in early voting before election day, while tens of millions more added their vote on the day yesterday. Trump is up big in both states, which was expected. 11.24pm Counting underway in Kentucky and Indiana A spokesperson for the county said its methods are “sound and permissible under the election code”. “We may not know [the results] for some days… and then we plan accordingly,” Raab told Sky News. John Scott, who voted for Biden, said: “I’ve heard a lot of news about voter suppression and I wanted to make sure that my vote counted.” “There are dogfights all over the country,” Senate Majority Leader Mitch McConnell, the top Republican in Congress, said at a campaign stop. He described the possibility of Republicans holding onto the Senate majority as a “50-50 proposition.” 10pm: Investors bet Wall St swings will calm down after Election Day Trump won Kentucky with 62.5 per cent of the vote in 2016 and won in Indiana with 56.5 per cent of the vote. The Cboe Volatility Index, Wall Street’s “fear gauge,” declined as the S&P 500 climbed nearly 2% in part on anticipation of a clear presidential election outcome. The Trump campaign and Nevada Republican party have filed an emergency motion to limit processing of mail-in ballots in Clark County, Nevada. So far around 85 per cent of the votes have been counted in Nevada, with Joe Biden’s 49.5 per cent leading Donald Trump’s 48.5 per cent. The Trump campaign has said it is taking “critical legal actions” in Pennsylvania to challenge the mail-in ballot deadline. If Biden wins Pennsylvania he wins the presidency. The FTSEurofirst was up 0.8 per cent this lunchtime and Italy’s five-year bond yields fell below zero, as Biden settled into poll position to become the next US president. This is about a quarter of the state’s population. “Those that said Joe Biden would win, and those that believed history would repeat itself and that Donald Trump would outperform the polls, but the signals on Betfair Exchange are favouring the Democrats,” he said. 12.21am Biden leading in Florida with almost 50 per cent of votes in Biden addresses the nation today, calling for calm “The Republican party is now the party of the people and the party of inclusion,” he said. 12.41: Betfair backs Biden He then visited his childhood home in Scranton, Pennsylvania, with his granddaughters. 13.04: Biden becomes most-voted-for presidential candidate of all time USPS data presented in the case showed about 300,000 ballots that were received for mail processing did not have scans confirming their delivery to election authorities. While ballots may be delivered without delivery scans, voting rights groups fear mail delays could cause at least some of those votes to be disqualified. 5.45am Trump about to make his own statement The Associated Press has called Arizona as a win for Joe Biden, with the Democrat taking 51 per cent of the vote compared to Donald Trump’s 47.6 per cent. The District of Columbia has just three electoral votes and usually votes 90+ per cent Democrat. “In America the vote is sacred… And it is the will of the voters, no one — and not anything else — that chooses the President of the United States. Each ballot must be counted… and that’s how it should be. Democracy is sometimes messy, it sometimes requires patience,” he said. 8.45pm Down the ballot The President has confirmed that he plans to take the election to the Supreme Court, claiming that “fraud” has taken place. Democrats are widely tipped to maintain control of the lower chamber, where all seats are in play. The Trump team is claiming victory in Pennsylvania just moments after announcing new legal action in the commonwealth to halt vote counting.  Trump holds a slim lead in the Southern state, however Biden is closely quickly with most of the votes counted now being mail-in ballots. Trading in futures contracts buckled in for a wild night last night, with the S&P 500 oscillating between the red and the black almost 10 times in just 12 hours. These include Texas and North Carolina, which are traditionally safe Republican areas. Trump supporters gather to protest the election results at the Arizona State Capitol on 4 November in Phoenix, Arizona. The rally was organised after yesterday’s vote narrowly turned for Democrats in the presidential and senate races Kristin Reid wears a “WE WANT JOE” campaign pin I’m thinking about my mom. Grandfather Finnegan had this home for years. Then Mrs Kearns bought it from him and has owned it – there’s only been two families here – for I don’t know how many years now. So they had me sign years ago, up on the third floor…they had me sign my name. Facebook removed last night a fast-growing group in which supporters of US President Donald Trump posted violent rhetoric, as the social media giant, as well as Twitter, step up efforts to take down baseless claims and avoid potential violence after a contentious election. The President is also launching a legal challenge to the Wisconsin vote, after Biden was declared the winner of the state. “Trump built early leads among election day voters [in Michigan, Wisconsin and Pennsylvania], but millions of early votes were left to be counted,” he said. More From Our Partners I blew off Adam Sandler 22 years ago — and it’s my biggest regretnypost.comPolice Capture Elusive Tiger Poacher After 20 Years of Pursuing the Huntergoodnewsnetwork.orgWhy people are finding dryer sheets in their mailboxesnypost.comNative American Tribe Gets Back Sacred Island Taken 160 Years Agogoodnewsnetwork.orgUK teen died on school trip after teachers allegedly refused her pleasnypost.comA ProPublica investigation has caused outrage in the U.S. this weekvaluewalk.comRussell Wilson, AOC among many voicing support for Naomi Osakacbsnews.comBrave 7-Year-old Boy Swims an Hour to Rescue His Dad and Little Sistergoodnewsnetwork.orgAstounding Fossil Discovery in California After Man Looks Closelygoodnewsnetwork.orgConnecticut man dies after crashing Harley into live bearnypost.comMatt Gaetz swindled by ‘malicious actors’ in $155K boat sale boondogglenypost.comSidney Crosby, Alex Ovechkin are graying and frayingnypost.com‘Neighbor from hell’ faces new charges after scaring off home buyersnypost.comInside Ashton Kutcher and Mila Kunis’ not-so-average farmhouse estatenypost.comFlorida woman allegedly crashes children’s birthday party, rapes teennypost.comKamala Harris keeps list of reporters who don’t ‘understand’ her: reportnypost.comBiden received funds from top Russia lobbyist before Nord Stream 2 giveawaynypost.comMark Eaton, former NBA All-Star, dead at 64nypost.com 7.36pm D.C. locals expect riots if Donald Trump wins the US election 14.15: Final votes being counted in Georgia, to be declared shortly 11.30pm A slew of states set to close polls at midnight People who were turning up in person said they were concerned about the potential for mail-in votes to not get counted. “When the first polls closed in Indiana and Kentucky, Biden was a 1/2 chance (67 per cent) compared to 2/1 for Trump (33 per cent). The first dramatic swing came when returns showed the president faring much better in Miami-Dade County, Florida than four years ago. That key state turned his way early in the night. Democratic presidential nominee Joe Biden is overtaking President Trump in Michigan but key battlegrounds are yet to declare. (Photo by ROBERTO SCHMIDT/AFP via Getty Images) Also Read: US Election: Biden’s (almost certain) win: How it happened Florida, which has the equal third most electoral college votes, is home to 5m people with Latino ethnicity. “I think they have in their culture a macho man idea, they like someone who won’t step down to anybody. Someone that’s tough.” Supporters of US President Donald Trump rally in front of cuban restaurant Versailles in Miami, Florida today Flipping the state is Trump’s best chance of carving a path to re-election as Biden continues to inch closer to victory. Biden appears to be doing better than Hillary Clinton did in 2016 in key suburban areas, including in a key county just outside Tampa that voted Trump last time. Biden has been closing the gap on the President all day in the Southern state and will not be able to lose the election if he wins it. Whoever can win two of those three states will be the next President. BREAKING: Republican Lauren Boebert wins election to U.S. House in Colorado’s 3rd Congressional District. #APracecall at 7:20 a.m. MST. #Election2020 #COelection https://t.co/lGfinjTqT4— AP Politics (@AP_Politics) November 4, 2020 9.06: Facebook and Twitter start removing violent rhetoric as US election tensions rise 6:10pm FBI investigates voter suppression 14.23: Biden takes the lead in Michigan 15:24: Results continue to suggest Biden is on track for victory as President again alleges foul play The final outcome may not be clear for some time. “If you count the legal votes I easily win, if you count the illegal votes they could easily steal it from us,” he said. The former Vice President leads by just a thousand votes, with 66 per cent of ballots counted. 1.47am Biden has growing lead in Ohio 12.29am Trump surging in Miami-Dade “President Trump’s campaign has not been provided with meaningful access to numerous counting locations to observe the opening of ballots and the counting process, as guaranteed by Michigan law. “We continue to feel very good about where things stand. We have no doubt that when the count is finished, Senator Harris and I will be declared the winners. I ask everyone to stay calm. The process is working.” One state to look for tonight is Florida, which will count early ballots tonight and will declare a winner in the early hours of Wednesday morning in London. Just voted. Felt good. https://t.co/oQJdlUJv0u pic.twitter.com/c9TYHthLXh— Hillary Clinton (@HillaryClinton) November 3, 2020 Donald Trump’s campaign team has hung onto hopes for a presidential victory, claiming The President will win Arizona by 30,000 votes, despite it already being called for Joe Biden. 10.47 Senate updates 2.47am Trump closing the gap on Biden in North Carolina “We’re confident about Arizona, we also just called it for Minnesota and we’re still in the game for Georgia. We’re feeling real good about Wisconsin and Michigan. It’s going to take time to count the votes – we’re going to win Pennsylvania. Elsewhere a homeland official said the election was proceeding normally and there was no evidence of hacking. Crucially, not all states will count their mail-in ballots tonight, with the battlegrounds of Pennsylvania and Wisconsin counting those ballots from tomorrow night. Significantly, in the counties reporting so far the Democrats appear to have a small swing in their favour. The markets, investors and business owners like the rest of us followed the polls leading up to the US Election. And, even with uncertainty still reigning, one key theme of Election2020 is just how wrong the statewide polls in particular were off. Former national security adviser John Bolton has slammed President Donald Trump’s false victory declaration this morning as “irresponsible” and a “disgrace”. The President is now favourite with bookmakers. Six states are still to be called, five of which will prove vital to determining the outcome of the vote. These are Alaska, Arizona, Georgia, Nevada, North Carolina, Pennsylvania. Voting has been stalled in the state’s largest county, Clark County, where there are still 50,000 mail-in ballots left to count. Twitter placed the tweet behind an interstitial label that reads: “Some or all of the content shared in this Tweet is disputed and might be misleading about an election or other civic process.” 17.00 Biden officially wins Wisconsin Democratic presidential nominee Joe Biden is overtaking President Trump in Michigan but key battlegrounds are yet to declare. (Photo by ROBERTO SCHMIDT/AFP via Getty Images) Also Read: US Election: Biden’s (almost certain) win: How it happened Biden now trails Trump by just 1,902 votes, with 99 per cent of the vote counted. Joe Biden has extended his lead against incumbent President Donald Trump in Georgia to 1,097 votes. The Southern state this morning flipped to blue for the first time, as Biden overtook Trump’s three-day lead after bagging significant votes from mail-in ballots. Trump’s deputy campaign manager Justin Clark told a call of journalists today: “We had been denied access to count rooms in Philadelphia, the city claiming they were in their rights to make sure we were just in the room. Nevada has paused counting votes until tomorrow. The state still has all mail ballots received from Election Day onwards to count, plus provisional ballots. Democratic presidential nominee Joe Biden is overtaking President Trump in Michigan but key battlegrounds are yet to declare. (Photo by ROBERTO SCHMIDT/AFP via Getty Images) Also Read: US Election: Biden’s (almost certain) win: How it happened Arizona and Nevada are both leaning towards the Democrats and if they hold steady, Biden will win the remaining 17 votes he needs to seal the election. With a Maine victory for the GOP, the Senate would be 48 for Republicans and 45 for the Democrats, with two independents. “Despite ridiculous public polling used as a voter suppression tactic, Wisconsin has been a razor thin race as we always knew that it would be,” he said. Maricopa County, the most populous region in Arizona, released updated results from more than 140,000 ballots this morning, which showed Biden leading Donald Trump by 74,514 votes, almost 11,000 fewer than the previous update.last_img read more

Beds and couches dumped in rural area

first_img Pinterest The scene of the dumping incident A latest example of dumping saw couches and beds dumped close to the Laois/Carlow border.This latest incident occurred at Tinryland, and witnesses believe a trailer would have been required to dump the large quantity of items.Eoin Barry, Labour Party local area representative has highlighted the growing problem of illegal dumping.“Anyone living in a rural area has seen the increase in bags of rubbish and other household waste being dumped on the side of the road. This is a constant problem throughout Laois particularly in places like Rossmore and the Killeshin.“Just this weekend I came across significant dumping of couches, beds and other household items in Tinryland. If you can afford to replace these items, you can afford to dispose of them in an appropriate manner,” he said.“Communities around the county are working to improve their localities and keep them clean.Mess“Finally we are beginning to see investment tourism in the region, the last thing we need is people cutting corners and dumping large quantities of rubbish. In the expectation that other people will clean up their mess,” he said.The incident has been reported to the local authority, but Mr Barry believes those responsible for the incident didn’t leave anything behind which could lead to their identification.SEE ALSO – REVEALED: The top earning solicitors on the Legal Aid system Facebook WhatsApp Pinterest WhatsApp Council Twitter Facebook Community Previous articleDeaths in Laois – Tuesday, February 13, 2018Next articleCost of rental properties in Laois continues to surge David PowerA journalist for over 20 years, David has worked for a number of regional titles both as journalist and editor. From Tullamore he also works as a content editor for Independent.ie. His heroes include Shane Lowry, Seamus Darby and Johnny Flahertycenter_img Beds and couches dumped in rural area Rugby Home News Community Beds and couches dumped in rural area NewsCommunity RELATED ARTICLESMORE FROM AUTHOR Laois County Council create ‘bigger and better’ disability parking spaces to replace ones occupied for outdoor dining Twitter By David Power – 13th February 2018 Laois County Council team up with top chef for online demonstration on tips for reducing food waste Ten Laois based players named on Leinster rugby U-18 girls squadlast_img read more

MFDA to amend compliance exam process

first_imgJames Langton Share this article and your comments with peers on social media Conflicts, crypto, cyber risk: the year ahead in compliance The regulator notes that the changes to its financial compliance exam process are designed to “further integrate a risk-based methodology”. It also says that the factors used to assess a firm’s riskiness will be reviewed on an ongoing basis, and that it is possible for a firm’s examination cycle to change as a result. Additionally, the MFDA says that for Level 2/3 members whose financial compliance examination cycle is consistent with its sales compliance examination cycle, an integrated review will be performed. Where those cycles differ, separate examinations will be conducted, it notes. The regulator will also continue to perform targeted examinations that focus on specific issues, and will be reviewing monthly and annual financial filings routinely, it adds. Regulators aim to root out pandemic-driven liquidity issues SEC examines rules for inter-fund tradingcenter_img Related news Keywords ComplianceCompanies Mutual Fund Dealers Association The Mutual Fund Dealers Association of Canada (MFDA) is planning changes to its compliance examination process to make it more risk-based. In a compliance bulletin issued today the MFDA says that, starting in January 2014, it will perform routine financial compliance examinations of its Level 4 members on either a one or two-year cycle, and on its Level 2&3 members on either a two or four-year cycle. The frequency of these exams will be “based on an assessment of risk factors specifically relating to financial matters of the firm”. Facebook LinkedIn Twitterlast_img read more

RBC’s iPhone app now makes it easier for clients to contact advisors

first_img Toronto-based Royal Bank of Canada (RBC) has updated its mobile application for Apple Inc.’s iOS devices to make it much easier for clients to contact one of the bank’s financial advisors. Wealthsimple’s peer-to-peer app goes national Keywords Mobile applications and devicesCompanies Royal Bank of Canada Digital identity verification comes to Canadian financial institutions IE Staff Clients can now contact an advisor by tapping the “call” button in the app to contact an advisor, skipping the phone menu altogether, the update note says. Furthermore, clients can now schedule a call-back from an advisor as well. Version 5.4 of the app also addresses some bugs and improves overall performance. Photo copyright: RBC Royal Bank Share this article and your comments with peers on social media RBC adds AI-powered budgeting feature to mobile app Related news Facebook LinkedIn Twitterlast_img read more

Canada Revenue Agency suspends online services after cyberattacks

first_img The Canada Revenue Agency expects online services to be fully restored by Wednesday after fraudsters used thousands of pilfered usernames and passwords to obtain government services.About 5,600 CRA accounts were targeted in what the federal government describes as “credential stuffing” schemes, in which hackers used passwords and usernames from other websites to access Canadians’ revenue agency accounts. Keywords Fraud,  Coronavirus Virtual meetings to continue post-pandemic in B.C. The suspension of CRA’s online services comes as many Canadians are relying on the revenue agency’s website to access financial support related to the Covid-19 pandemic.People can still apply for benefit programs including the Canada Emergency Student Benefit and the Canada Emergency Response Benefit by calling 1-800-959-8281, said Annette Butikofer, chief information officer of the revenue agency.In addition, employers can apply for the latest wage subsidy as planned, she said during a briefing Monday on the cyberattacks.“We know employers are counting on these funds.”The government is advising Canadians to use unique passwords for all online accounts and to check for suspicious activity.Federal officials have been grappling for the last week with the credential stuffing attacks, made possible through information that was previously stolen from non-government accounts.The technique, often beginning with huge caches of usernames and passwords found in the darker reaches of the Internet, takes advantage of peoples’ tendency to reuse passwords.Fraudsters then use automated web bots to hammer websites with various credentials until they hit upon the right combination and get in, said Marc Brouillard, acting chief information officer of Canada.Once in, the attacker can take over these accounts and steal personal information or undertake activities as that user, he told the briefing.The first of three attacks in the last week took aim at the GCKey service, which is used by about 30 federal departments and allows Canadians to access services like the My Service Canada account.By using the previously stolen usernames and passwords, the perpetrators were able to fraudulently acquire about 9,000 of the some 12 million GCKey accounts, one-third of which accessed federal services and are being further examined for suspicious activities, Brouillard said.Affected GCKey accounts were cancelled, and the government is contacting users whose credentials were compromised with instructions on how to obtain a new GCKey.Separately, CRA’s system was hit by credential stuffing attacks. The perpetrators were able to use previously hacked credentials to access the CRA portal. They were also able to exploit a vulnerability that allowed them to bypass the CRA security questions and get into thousands more accounts.In addition, early Saturday morning, the CRA portal was directly targeted with a large amount of traffic trying to attack the services through credential stuffing.“Out of an abundance of caution the CRA portal was shut down to contain the attack and implement measures to protect CRA services,” Brouillard said.Credential stuffers are difficult to detect because they are not trying to sneak through a back door, he said.“They are applying credentials just like normal users. So it’s very hard to detect that pattern from all of the good traffic. But we have systems to monitor and look for these behaviours and identify when patterns don’t seem to make sense and that’s how this particular (attack) was identified.”The government is looking at greater use of two-factor authentication, where a user trying to log in to a system enters not only a password but receives a message with a code or link they must act on before being allowed in.But putting this in place for all programs could be challenging, Brouillard suggested.“We also have to worry about making our systems accessible and easy to use, so it is a balancing act,” he said. “We’re looking at ways of strengthening our systems to be able to address these issues.”Several federal agencies are investigating the incidents and since their work is ongoing, nothing will be said about the suspected perpetrators, said Scott Jones, head of Canadian Centre for Cyber Security.The RCMP was notified of unusual activity Tues., Aug. 11, Butikofer said.“The confidence and trust that individuals and businesses have in the CRA are the cornerstones of Canada’s tax system,” she said.She said the revenue agency’s teams have been “working around the clock to resolve these issues and protect the confidential information of Canadians.”Accounts of affected individuals have been revoked and letters have been sent to these people, she added.Asked during the briefing if the government would apologize, Brouillard sidestepped the question.“It’s not a matter of being sorry or not sorry,” he said. “Of course, this is not something we want to happen. But we are reacting to those attackers and addressing them and mitigating those services as much as possible. And that does include supporting Canadians.”An expression of regret did, however, come from Lori MacDonald, chief operating officer at Service Canada.“Certainly we apologize for any inconvenience on behalf of the government of Canada caused to any of our clients,” she told the briefing.All CRA My Account users are encouraged, once services have been reactivated, to enable email notifications as a security measure, Butikofer said. This allows taxpayers to be contacted by email if their address or direct-deposit information has been changed on CRA records.“These notifications act as an early warning to Canadians of potentially fraudulent activity on their accounts.” Jim BronskillCanadian Press Technology security concept. Modern safety digital background. Protection system vska/123RF Desjardins posted big gains in Q1 Covid vaccine-sharing discussions to dominate G7 summit talks Share this article and your comments with peers on social media Related news Facebook LinkedIn Twitterlast_img read more

FCA consults on rules for foreign firms

first_img Regulators must avert looming irrelevance: IAP Related news James Langton The consultation aims to assess how the unique risks of international firms can be mitigated, and when a foreign firm should become authorized as a U.K.-incorporated firm.“With the Brexit transition period due to end on [December 31 2020], firms that have registered for temporary permission will need to consider plans for full authorisation,” said Nausicaa Delfas, executive director international at the Financial FCA.“Today we are setting out our expectations for the future authorisation and supervision of international firms, to ensure appropriate protection for users of financial services,” Delfas added.The deadline for submissions to the consultation is Nov. 27.“International firms are a key contributor to the success of the UK financial services market. This consultation will give [European] and [non-European] firms a chance to feedback on our future approach to the regulation of international firms,” Delfas said. With the deadline for Brexit looming, the U.K.’s Financial Conduct Authority (FCA) is launching a consultation on the future regulation of international firms operating in the U.K.The FCA said that it is expecting to see an increase in the number of international firms seeking registration in the U.K. as it prepares to leave the European Union (EU) — including both EU firms and other international financial firms. Share this article and your comments with peers on social media Keywords RegulationCompanies Financial Conduct Authority Brexit Regulators issue new reporting guidance on systems outages SEC charges five in US$2-billion crypto trading scheme Facebook LinkedIn Twitterlast_img read more

CCI approves ROC Investment’s stake buy in Star Health

first_img Indraprastha Apollo Hospitals releases first “Comprehensive Textbook of COVID-19” CCI approves ROC Investment’s stake buy in Star Health Read Article The proposed transaction involves the acquisition of up to 2.39 per cent of the equity share capital of Star Health from Snowdrop CapitalFair trade regulator CCI has approved the acquisition of up to 2.39 per cent stake in Star Health and Allied Insurance Company by ROC Star Investment Trust under the green channel route. The green channel is an automatic system for speedy approval for certain categories of mergers and acquisitions. The proposed transaction involves the acquisition of up to 2.39 per cent of the equity share capital of Star Health from Snowdrop Capital. After the completion of the proposed combination, ROC will have certain rights, including non-control conferring veto rights in Star Health, CCI said in a release. The proposed combination has been approved under the green channel concept.Star Health is a general insurer. It is involved in the business of health insurance and deals in personal accident, mediclaim and overseas travel insurance as well. The company operates its business of selling policies through licensed intermediaries such as corporate agents, brokers and insurance agents in India. ROC Star Investment is an investment vehicle managed by ROC Capital, an Australian investment management company. MaxiVision Eye Hospitals launches “Mucormycosis Early Detection Centre” WHO tri-regional policy dialogue seeks solutions to challenges facing international mobility of health professionals News Phoenix Business Consulting invests in telehealth platform Healpha Share Add Comment Related Posts The missing informal workers in India’s vaccine story Heartfulness group of organisations launches ‘Healthcare by Heartfulness’ COVID care app CCIROC Star Investment TrustSnowdrop CapitalStar Health Menopause to become the next game-changer in global femtech solutions industry by 2025 Comments (0) By Press Trust of India on January 10, 2020 last_img read more

Li leads McIlroy by one headed into Dubai Sunday

first_imgDUBAI, United Arab Emirates – Rory McIlroy was within sight of a first title in 17 months after the third round of the Dubai Desert Classic where he lay only one shot behind surprise leader Li Haotong on Saturday. McIlroy, who finished his second round in the morning, surprisingly struggled for the first time in seven rounds into his comeback from a three-month layoff, and was 1 over par at the turn in the third round. The four-time major champion then recovered with three birdies and an eagle on the back nine for a 4-under 68 and 19 under, overall, that put him one behind Li. Li, in the leader group with McIlroy, shot a bogey-free 64 at Emirates Golf Club. Li, the highest ranked Chinese male player in the world at No. 60, produced a brilliant display of iron play and putting to be in great position to add to his only previous European Tour win, the 2016 China Open. He needed just 24 putts to complete his round, and said: ”It’s going to be fun out there tomorrow.” McIlroy’s last win was in August 2016 at the Tour Championship, and he was impressed by Li. Full-field scores from the Omega Dubai Desert Classic ”He holed everything he sort of needed to,” McIlroy said. ”I know that if he continues to play like that, he will be tough to beat, but I feel like if I play my game, I’ve got a good chance. ”I showed that even when I didn’t have my best stuff, I was able to battle around and get in with a decent score. So hopefully, I have a bit of a better game tomorrow.” On another low-scoring day, Alex Levy of France made a hole-in-one in a round of 65, a score which was matched by playing partner Haydn Porteous of South Africa. The duo was tied for third, three behind the leader at 17 under par. Levy was making a stunning run and reached the top of the leaderboard briefly before falling back with consecutive bogeys on 15 and 16. That run included a hole in one on the par-3 fourth hole with a 9-iron shot from 171 yards. Porteous joined him with three birdies in his last three holes. The low round of the day was a 9-under 63 by Andy Sullivan of England, who moved to fifth on the leaderboard at 16 under.last_img read more

Monday Scramble: Wait lifting

first_imgAngela Stanford cries tears of joy, the PGA Tour season comes to a close, Tadd Fujikawa comes out, Sang-Moon Bae finds his form and more in this week’s edition of the Monday Scramble: Even Angela Stanford was surprised Sunday. On tour since 2001, the 40-year-old Stanford hadn’t won in six years or really contended in months, but she was the one who left France with a trophy – in her 76th career major start, as the second-oldest, first-time major winner. “I have no idea what just happened,” she said. It wasn’t hard to see how much the Evian title meant to her. After years of uncertainty, she’d finally reached the mountaintop, just as it appeared that her steady but unspectacular career would end without a crowning achievement. “God’s funny,” she said through tears afterward. “He catches you off-guard just when you think that maybe you’re done. I don’t think I could have asked for it any other way.” Either could the LPGA, as one of the most popular American players finally got her due. 1. Stanford lost an 18-hole playoff at the 2003 U.S. Women’s Open and racked up a dozen other top-10s in majors throughout the years. But still no wins. That all changed Sunday, when she surged into the lead with an eagle-3 on the 15th hole (followed immediately by an ugly double on 16). She bounced back to birdie 17 and narrowly missed on the final hole. Her final-round 68 was just enough. For more on Stanford’s stirring win, read colleague Randall Mell’s column.  2. Here’s guessing Stanford now has this low, hooking 3-wood – which rolled out to 8 feet and set up her go-ahead eagle – on a loop in her mind: Your browser does not support iframes. 3. Part of the surprise afterward was that Stanford shouldn’t have been the one who walked away the winner.  It should have been Amy Olson.  The small-town girl, who dominated the college golf scene when she starred at tiny North Dakota State, appeared on the verge of scoring her first major title at the Evian. She came to the home hole needing only a par to win. Then she hooked her drive into the left rough. Then she couldn’t escape the tall stuff. Then she hacked out onto the front of the green, raced her par putt 6 feet past and missed the comebacker to lose by one. It was the kind of nervy finish you’d expect from a player who hadn’t been in that position before. Not only had she never won on tour, but it was her first 54-hole lead.   “It’s disappointing to finish like that,” she said. And it’s a blown major she’ll remember for a long time. 4. Here are the top 5 players who – all together now – control their own destiny at the Tour Championship, meaning if they win at East Lake, they also capture the season-long FedExCup title: 1.) Bryson DeChambeau 2.) Justin Rose 3.) Tony Finau 4.) Dustin Johnson 5.) Justin Thomas DeChambeau and Rose are interesting cases, as the top two seeds who mathematically have the best chances of claiming the cup. DeChambeau is making his first career start at East Lake; Rose, meanwhile, has never won in Atlanta but he finished second in 2013 and has five consecutive top-10 finishes there. Hmmm. 5. If you’re sinister (like me!), you’re rooting for Tony Finau this week. Sure, he’s a great dude and a helluva player, but there exists a scenario in which he could win the cup without winning a tournament all year. And, as the 3 seed, it’s not totally unrealistic. According to the tournament projections, he has a “reasonable chance” of winning with a T-2 finish, and he can finish as low as a two-way tie for third and still have a mathematical chance of winning, depending on how those around him perform. 6. The scenarios for Tiger Woods, in the 20th spot, are more extensive. He needs to win the Tour Championship and get some help: DeChambeau finishes T-15 or worse; Rose finishes three-way 5th or worse; Finau finishes T-3 or worse; Johnson finishes in a three-way tie for second or worse; Thomas finishes in a three-way tie for second or worse; and Keegan Bradley finishes T-2 or worse. Woods hasn’t played East Lake since 2013, but he has two wins and four runner-ups there. The way he’s striking his irons, he has a chance anywhere he tees it up. 7. Perhaps it’s a sign of progress that former teen star Tadd Fujikawa came out this week – he’s believed to be the first professional male golfer to publicly declare that he’s gay – and hardly anyone in the ultra-conservative golf world seemed particularly shocked or moved by it. Fujikawa, who qualified for the 2006 U.S. Open as a 15-year-old, described his struggle late last year with depression and anxiety. Here’s hoping his courageous reveal helps give him some inner peace.    “I spent way too long pretending, hiding and hating who I was,” Fujikawa said. “I was always afraid of what others would think/say. I’ve struggled with my mental health for many years because of that and it put me in a really bad place. Now I’m standing up for myself and the rest of the LGBTQ community in hopes of being an inspiration and making a difference in someone’s life.” 8. If you wondered whether Sangmoon Bae could regain his form after taking off two years in his athletic prime to fulfill his duties in the South Korean military, well, there’s your answer. It was a rotten return to the Tour for Bae, who lost his card after finishing 202nd on the FedExCup points list. Sent back to the minor leagues for the Web.com Tour Finals, and needing only a few thousand dollars at the Albertsons Boise Open to regain his card, he won the tournament and now is in line to secure fully exempt status for 2018-19 as the Finals money leader. Think about that: Bae was a two-time Tour winner, gave up the game for TWO YEARS and then found his form again. Good stuff. Along with the reemergence of Hunter Mahan, the Finals (which concludes this week with the season-ending Tour Championship) has produced a few feel-good stories this year. Phil Mickelson always has plenty of eyeballs on him, but the pressure for him to perform in Paris is ratcheted up even more with the emergence of Xander Schauffele, who many thought deserved the final Ryder Cup captain’s pick. So Lefty is pulling out all of the stops. In a short video posted on Twitter, his new favorite medium, Mickelson showed that he was training for the upcoming Ryder Cup by … doing some long-range sniper shooting? It’s an exercise, apparently, that slows his heart rate. If it means winning two points in Paris, hey, whatever works, man.   This week’s award winners …  Whoops: Player of the Year debate. Trying to inject some much-needed drama into the season finale, the Tour’s official Twitter account last week wrote that the Player of the Year race is still “far from decided.” To which Justin Thomas responded: Best Major Performer: Ariya Jutanugarn. The Thai star won the Annika Award, which recognizes the player with the best results in the majors each year. She won the U.S. Women’s Open and also tied for fourth at the ANA and Women’s British. Own It: Anders Albertson. Albertson almost won the Albertsons Boise Open. You can’t make this stuff up. What Could Have Been: Chris Wood. At the European Tour’s KLM Open he recorded his THIRD runner-up of the year, falling just short of Ashun Wu. Round of Applause: Jordan Spieth. Incredible achievement and gesture by the 25-year-old.  Still Ballin’: Matt Wolff. Two events, two wins for the Oklahoma State star. It’s all coming together for a player who’s just getting cooking. Or Is It The Opposite?: Thomas Pieters. In an interview reflecting on the raucous atmosphere at the 2016 Ryder Cup, Pieters (who went 4-1) said that Americans golf fans “can’t drink” and that contributed to some of the ridiculous fan behavior at Hazeltine. Oh, no, Thomas – Americans can drink, all right. It’s that many can’t handle their beer after starting at 7 a.m. Big difference.last_img read more

Garda Crime Slot on Tuesday December 8th

first_img Twitter Previous articleGovernment must seize opportunities for North West – IbecNext articleValuable oyster bags stolen at Inch Island admin This morning, Garda Sean Sweeney joined Donal for the Community Garda Slot on the Nine til Noon Show.He began by outlining the details of a criminal damage incident in Ballybofey……….Audio Playerhttps://www.highlandradio.com/wp-content/uploads/2020/12/crimeslot1.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. Facebook News, Sport and Obituaries on Monday May 24th Google+ Pinterest RELATED ARTICLESMORE FROM AUTHOR By admin – December 8, 2020 Nine til Noon Show – Listen back to Monday’s Programme 9til12Homepage BannerNews Important message for people attending LUH’s INR clinic center_img DL Debate – 24/05/21 Twitter WhatsApp Facebook Garda Crime Slot on Tuesday December 8th Google+ Loganair’s new Derry – Liverpool air service takes off from CODA Pinterest WhatsApp Arranmore progress and potential flagged as population grows last_img read more

Strabane PSNI investigate A5 collision

first_img Google+ By News Highland – July 30, 2019 Strabane PSNI investigate A5 collision Important message for people attending LUH’s INR clinic Nine til Noon Show – Listen back to Monday’s Programme Arranmore progress and potential flagged as population grows Pinterest Homepage BannerNews Twitter Facebook Facebook Previous articleDevine, Parkhouse and Sloggett react to Derry’s win over WaterfordNext articleGovernment must intensify Brexit planning – Carthy News Highland center_img Google+ WhatsApp DL Debate – 24/05/21 WhatsApp Pinterest RELATED ARTICLESMORE FROM AUTHOR Loganair’s new Derry – Liverpool air service takes off from CODA Twitter News, Sport and Obituaries on Monday May 24th Police in Strabane are investigating a road traffic collision which occurred along the main A5 Victoria Road at the junction with the Cloughcor Road at around  17.45 on Friday 26th July 2019 between a Black Peugeot 206 and a green John Deere tractor that was towing a blue and yellow silage trailer.Police are keen to speak with the driver of the tractor, the driver is described as being in his early to mid 20’s with brown hair and of skinny buildPolice would also like to speak with anyone who witnessed this collision particularly anyone who may have caught it on dash-cam .Please contact police on 101 quoting reference number 1561 of 26/07/2019 if you can assist in any way.last_img read more

State Wildlife Officials Want You to Go Fish

first_img Share For Whom The Bell Rings Add to My List In My List The Georgia Department of Natural Resources (DNR) really wants you to go fish, so it has beefed up its fishing tackle loaner program.You can now borrow fishing tackle, for free, at 25 different state parks and historic sites.The state’s sports fish restoration program makes it possible according to Melissa Cummings of the DNR’s wildlife resources division. “It’s a program that allows funds that come from a federal excise tax that’s placed on fishing equipment and related items to fishing equipment,” says Cummings. “And then those are directed back to benefit recreational anglers. And the way that money comes to Georgia is based on things like paid sporting licenses.”The loaner tackle is free, but you will have to pay for a license. A three-day fishing license currently costs $3.50. If you are under 16 years of age, the license is free.You can find out which sites are participating at www.georgiawildlife.com. Legal Advocate Discusses Medical Abuse At Shut Down Georgia ICE Facility Related Stories ‘It’s Fractured’: Georgia Lt. Gov. Geoff Duncan On Healing Republican Partylast_img read more

Georgia Set To Ease Rules For Craft Beer Brewers

first_imgAdd to My List In My List The Georgia Department of Revenue has issued new proposed regulations for the state’s growing craft beer industry.Georgia is proposing to again allow breweries to sell tours of their facilities at different prices based on the quality and amount of beer customers receive as “free souvenirs,” The Atlanta Journal-Constitution reports.It’s a return to a deal that craft brewers thought they’d reached after legislation passed in 2015. SB 63 took effect in July and allowed brewers to provide customers with up to 72 ounces of beer to take home if they purchased a facility tour.Months later, Revenue issued a new set of regulations that seemed to reverse course. After an uproar from brewers and some lawmakers, all sides came to an agreement in January to ease the rules. For Whom The Bell Rings Related Stories Share Legal Advocate Discusses Medical Abuse At Shut Down Georgia ICE Facility ‘It’s Fractured’: Georgia Lt. Gov. Geoff Duncan On Healing Republican Partylast_img read more

Ukie launches industry-specific online wiki

first_img 0Sign inorRegisterto rate and replySign in to contributeEmail addressPasswordSign in Need an account? Register now. Ukie launches industry-specific online wikiUkiepedia is free resource of games industry facts, insight, resources and linksHaydn TaylorSenior Staff WriterFriday 20th March 2020Share this article Recommend Tweet ShareCompanies in this articleUKIEUK trade body UKIE has this week launched its own version of an industry-specific Wikipedia. Ukiepedia is a free repository of games industry facts, insight, resources and links; though a UK trade body product, it is a resource for the global industry.The online resource was launched ahead of schedule in response to the novel coronavirus (COVID-19), and includes a dedicated page to help game companies during the pandemic. “This resource was originally planned to release with our new website but, given the recent coronavirus situation, we have brought forward this launch as we believe it will be a useful tool for our sector, as a one-stop-shop for information,” said UKIE. The wiki compiles a broad range of information and insights, such as worldwide metrics, economic figures, investment and diversity, along with dedicated pages to individual sectors such as esports and virtual reality. It also serves as a repository for full and summarised industry reports such as annual UK market valuations, BFI Screen Business, and the UK Games Industry Census 2020 report. Related JobsSenior Game Designer – UE4 – AAA United Kingdom Amiqus GamesProgrammer – REMOTE – work with industry veterans! North West Amiqus GamesJunior Video Editor – GLOBAL publisher United Kingdom Amiqus GamesDiscover more jobs in games Unlike the entirely open source Wikiepedia, UKIE’s new wiki offering is maintained and moderated by the trade body itself, and all posts are verified by its team. As an ongoing project, UKIE is soliciting community help to further develop the resource; suggestions on how to grow the archive can be made via the Ukiepedia Submission Form.”There are still many places where we can improve Ukiepedia and where further information, or even new pages can be added,” said UKIE. “We fully intend for Ukiepedia to always be an evolving resource, as our industry and our business needs are always changing, and want you to be able to support that.” Celebrating employer excellence in the video games industry8th July 2021Submit your company Sign up for The Daily Update and get the best of GamesIndustry.biz in your inbox. Enter your email addressMore storiesPandemic drives UK games market to record £7bn yearSpending on video games products and culture rose 30%, topping 2018 record by more than £1 billionBy James Batchelor A month agoGovernment funding helps UK games firms create hundreds of job placementsUKIE and Into Games working with 45 companies to get young people back into work during pandemicBy James Batchelor 2 months agoLatest comments (1)Keldon Alleyne Strategic Keyboard Basher, Avasopht DevelopmentA year ago Wow, just learned about the Digital Schoolhouse project via the wiki.Brilliant!last_img read more