Northwest (8-13) - Grau 6 0 15, Horton 2 0 4, Loveless 1 1 4, Hill 1 2 4, Bourrage 7 1 15, Mahaffey 2 1 5. Totals: 19 5 47.
Indian Hill (14-7) - Wachs 2 1 6, T. Lopez 7 2 19, Bader 1 0 2, M. Lopez 1 0 2, Thorton 1 0 2, Bultema 8 0 18. Totals: 21 3 49.
Halftime: IH 30-27. 3-pointers: N 4 (Grau 3, Loveless); IH 4 (Bultema 2, Wachs, T. Lopez).
Taylor (8-13, 3-10 CHL) - Jones 5 2 13, Hughes 2 1 5, Batte 1 2 4, Wieherer 3 0 7, Brunswick 2 1 6. Totals: 13 6 35.
Wyoming (18-1, 13-0 CHL) - Prater 7 4 18, M. Mitchell 1 0 2, Mcgee 1 0 2, J. Mitchell 1 0 2, Walker 5 0 11, Edmonds 6 3 15, Gray 4 1 9. Totals: 25 8 59.
Halftime: W 29-20. 3-pointers: W (Walker); T 3 (Jones, Brunswick, Wieherer).
Cincinnati Christian (17-4) - Reutener 2 4 9, Spencer 1 0 2, Martin 1 0 2, Woods 3 0 8, McKinnon 1 0 2, Teague 4 0 10, Rogers 8 4 20. Totals: 20 8 53.
Shroder (6-15) - Stewart 1 1 4, Battle 7 4 18, North 2 0 4, Cardenas 7 0 17, Felder 1 0 2. Totals: 17 5 45.
Halftime: CC 28-19. 3-pointers: CC 4 (Woods 2, Teague 2, Reutener); S 4 (Cardenas 3, (Stewart).
Woodward (2-18) - McBride 9 12 31, Whitmire 0 2 2, Mace 2 6 10, Davis 7 4 18, Moreland 5 0 13, Covington 2 0 6. Totals: 25 24 80.
Gamble Montessori (14-7) - Warner 7 2 20, McCants 7 6 20, Cauley 2 0 4, Brown 5 2 15, Smith 4 0 9, Deloach 1 0 2. Totals: 26 10 70.
Halftime: GM 38-23. 3-pointers: W 6 (Moreland 3, Covington 2, McBride); GM 8 (Warner 4, Brown 3, Smith).
Milford (11-10, 7-6 ECC) - Huxell 9 6 28, Liles 4 1 10, Ayler 1 2 5, Dickerson 1 2 4, Riesenberg 1 1 3, Foster 1 0 2. Totals: 17 12 52.
Walnut Hills (13-8, 7-6 ECC) - Conte 0 3 3, Phelia 1 2 4, Hill 0 1 1, Murray 1 0 2, Floyd 0 2 2, Grant 2 0 4, Poynter 0 2 2, Johnson 2 1 5, Miller 1 0 3, Smith 3 3 9. Totals: 10 14 35.
Halftime: M 27-20. 3-pointers: M 6 (Huxell 4, Liles, Ayler); W (Miller).
Turpin (16-5, 10-3 ECC) - Schlosser 1 2 5, Shelter 5 0 10, Bell 1 0 2, Spencer 2 3 7, Holt 1 1 3, Haddad 7 3 24, Cantrella 1 2 4. Totals: 18 11 55.
Kings (6-15, 4-9 ECC) - Hussey 3 0 8, Longwell 2 3 7, Peters 4 0 10, Fisher 2 0 4, Burnside 6 0 15, Jones 1 0 2, Koller 3 1 8. Totals: 21 4 54.
Halftime: K 26-25. 3-pointers: T 8 (Haddad 7, Schlosser); K 8 (Burnside 3, Hussey 2, Peters 2, Koller).
Anderson (2-19, 1-12 ECC) - Rogers 0 2 2, Camden 4 0 10, Compton 0 2 2, Overbeck 1 0 2, Mineer 1 0 2, Brandy 2 0 5, Thon 2 2 6, Donger 1 0 2. Totals: 11 6 31.
West Clermont (16-5, 11-2 ECC) - Steele 2 2 6, Vianello 2 0 4, Eads 1 1 4, Pitts 2 1 6, Ismial 0 2 2, Aicholtz 9 0 22, Macaluso 2 0 6, Ames 0 2 2. Totals: 18 8 52.
Halftime: WC 23-16. 3-pointers: WC 8 (Eads, Pitts, Aicholtz 4, Macaluso 2); A 3 (Camden 2, Brandy).
Summit Country Day (9-12) - Stines 1 0 2, Evans 5 5 15, Toble 1 3 5, Woods 2 2 6, Dahling 4 0 11. Totals: 13 10 39.
Badin (14-6) - Walsh 1 0 3, N. Hegemann 0 1 1, Berg 1 2 4, Pappas 3 0 6, Switzer 4 1 12, Giesting 4 4 12, DeLong 2 0 4, J. Hegemann 3 1 7. Totals: 18 9 49.
Halftime: B 19-16. 3-pointers: SCD 3 (Dahling 3); B 4 (Switzer 3, Walsh).
La Salle (12-9) - Vogelpohl 5 2 16, Lemons 6 2 15, Eddings 1 2 5, Wergers 1 0 2, Hildebrand 1 0 2, Jeffrey 1 0 2. Totals: 15 6 42.
McNicholas (14-7) - Burkhardt 9 1 20, Brunot 3 0 6, Kellerman 2 0 6, Conrad 3 0 6, Johnson 3 0 6, Badylak 1 0 3, Kocisko 1 0 3, Schoening 1 0 3, Schulte 0 1 1. Totals: 23 2 54.
Halftime: M 30-21. 3-pointers: M 6 (Kellerman 2, Burkhardt, Badylak, Kocisko, Schoening); L 6 (Vogelpohl 4, Lemons, Eddings).
Little Miami (9-12) - Prathapa 2 0 6, Holman 0 2 2, Briscoe 3 2 11, Spencer 7 5 19, Clemons 1 0 2. Totals: 13 9 40.
Purcell Marian (17-4) - Jefferson 3 0 6, Garrett 7 1 15, Dotson 3 0 8, Lyons 2 0 4, Baldock 2 0 6, Lyttle 3 0 6, Warah 3 0 6. 23 1 51.
Halftime: PM 30-17. 3-pointers: PM 4 (Dotson 2, Baldock 2); LM 5 (Briscoe 3, Prathapa 2).
Roger Bacon (6-15) - Edmondson 2 1 6, Munson 2 4 10, Flowers 1 2 5, Hallan 3 0 8, Allen 1 1 3, Tate 3 7 13, Mcgee 6 8 22. Totals: 18 23 67.
Newport Central Catholic (9-17) - Howard 4 2 10, Mueller 2 2 6, Mullikin 2 5 9, Jefferson 3 4 10, Iles 3 4 13, Pangallo 6 5 17. Totals: 20 22 65.
Halftime: NCC 30-29. 3-pointers: RB 8 (Munson 2, Hallan 2, Mcgee 2, Flowers, Edmondson); NCC 3 (Iles 3).
Fairfield (7-14) - Turner 3 4 10, Ricks 4 0 10, Singer 1 0 3, Kropenbaker 1 0 3, Scenters 2 0 4, Caldwell 1 2 4, taylor 1 0 2. Totals: 13 6 36.
Colerain (7-14) - Hatter 1 0 3, Wiley Jr. 8 2 22, Jones 6 4 16, Wright 1 0 2, Patterson 1 1 3. Totals: 17 7 46.
Halftime: C 19-17. 3-pointers: C (Wiley Jr. 4, Hatter); F (Ricks 2, Singer, Kropenbaker).
Lakota East (16-5, 14-1 GMC) - Holtman 1 0 2, Fuhrmann 0 4 4, Wieland 8 1 17, Johnston 2 5 10, Spicer 4 1 9, Johnson 2 1 5. Totals: 17 12 47.
Hamilton (12-9, 8-7 GMC) - Pennington 2 0 6, T. Robinson 5 1 11, J. Robinson 4 1 12, Howard 1 0 2, Reid 2 0 4, Burnett 2 0 5. Totals: 16 2 40.
Halftime: LE 24-17. 3-pointers: LE (Johnston); H 6 (J. Robinson 3, Pennington 2, Burnett).
Lakota West (5-16, 2-13 GMC) - Walters 3 0 6, Turner 6 2 16, Combs 4 0 10, Oehler 1 0 2, Weber 3 0 7, Massa 1 0 2, Fishman 1 0 2, Gladysz 1 1 3. Totals: 20 3 48.
Mason (16-3, 12-3 GMC) - Franke 1 0 3, Long 5 3 15, Howard 2 0 6, Cooper 5 0 11, Minick 4 1 9, Greer 5 1 13, Smith 4 0 8, Dardis 0 2 2, Johnson 0 2 2. Totals: 26 9 69.
Halftime: M 30-23. 3-pointers: M 8 (Long 2, Howard 2, Greer 2, Franke, Cooper); LW 5 (Turner 2, Combs 2, Weber).
Sycamore (10-11, 6-9 GMC) - Kramer 3 1 7, Wittenbaum 1 0 3, Yuskewich 5 4 16, NiBlack 4 4 13, Bolger 2 4 9, Grandison 1 0 2, Fehr 1 0 3, Williams 3 0 6, Bin Lee 0 2 2. Totals: 20 15 61.
Middletown (8-13, 4-11 GMC) - Morris 1 3 5, Powell 5 4 15, Jones 6 0 13, Gardner 5 2 12, Walker 1 0 2, Jackson 1 0 2, Thompson 1 0 3, Mumford 2 0 4, Stallworth 3 1 7. Totals: 25 10 63.
Halftime: M 23-22. 3-pointers: M 3 (Powell, Jones, Thompson); S 6 (Yuskewich 2, Wittenbaum, NiBlack, Bolger, Fehr).
Oak Hills (15-6, 12-3 GMC) - Hayes 1 2 5, Moeller 5 4 16, Berkemeier 3 1 7, Dietrich 2 0 4. Totals: 11 7 32.
Princeton (14-7, 10-5 GMC) - Crawford 2 0 4, Randle 2 4 9, M. Thomas 1 0 2, Johnson 2 0 6, J. Thomas 1 0 2, Berkhalter 3 0 6. Totals: 11 4 29.
Halftime: P 13-12. 3-pointers: OH 3 (Moeller 2, Hayes); P 3 (Johnson 2, Randle).
New Miami (11-9, 7-8 MVC) - Duncan 6 1 15, T. Robinette 1 0 3, Hobb 1 0 2, Bowman 5 0 10, J. Robinette 2 1 5, Cunningham 1 0 2. Totals: 16 2 37.
St. Bernard (7-14, 5-10 MVC) - Jones 4 2 10, Tate 0 2 2, Gans 6 1 15, Rack 3 1 7, Washam 1 0 2, Amidou 3 2 9, Grove 3 3 9. Totals: 20 11 54.
Halftime: SB 26-19. 3-pointers: SB 3 (Gans 2, Amidou); NM 3 (Duncan, T. Robinette).
North College Hill (11-10) - Clardy 2 0 4, Griggs 3 1 8, Robinson 4 0 11, Williams 6 2 16, Durham 5 4 14. Totals: 20 7 53.
Scott (16-10) - Hunter 2 1 5, Profitt 1 2 4, Meister 4 0 8, Coleman 2 0 5, Simpson 5 5 16, Buckner 1 0 2, Allen 2 1 5, Patterson 0 2 2, Joyce 5 0 10, Smith 8 0 16, Major 1 0 3. Totals: 31 11 76.
Halftime: S 37-28. 3-pointers: S 3 (Coleman, Simpson, Major); NCH 6 (Robinson 3, Williams 2, Griggs).
National Trail (17-3) - Hunt 4 2 14, Harrison 10 8 31, Woodell 8 5 21, Michael 3 0 6. Totals: 25 15 72.
Middletown Madison (18-3) - Gomia 2 0 6, Munafo 1 0 2, Sipple 4 3 13, Whiteman 1 0 3, Whisman 7 5 19, Duritsch 3 1 7, Phelps 1 0 2, McMonigle 10 3 23. Totals: 29 12 75.
Halftime: NT 29-23. 3-pointers: MM 5 (Gomia 2, Sipple 2, Whiteman); NT 7 (Hunt 4, Harrison 3).
Eaton - Manning 2 0 5, Pittman 8 1 21, Baumann 1 2 4, Howard 3 3 9, Frost 1 9 11, Jackson 4 1 10, Reyna 1 1 3. Totals: 20 17 63.
Talawanda - Winkler 1 0 2, Kraushar 8 2 19, Verst 1 1 3, Richter 7 1 15, Hensley 4 0 10, Wright 4 0 9. Totals: 25 4 58.
Halftime: E 39-28. 3-pointers: E 6 (Pittman 4, Manning, Jackson); T 4 (Hensley 2, Kraushar, Wright).
Edgewood - Daley 2 0 5, Hamilton 2 0 5, G. Allen 2 0 5, Gambrell 6 0 12, Frazier 2 3 8, C. Allen 2 0 5, Brooks 1 0 2. Totals: 17 3 42.
Lebanon - White 2 1 5, Stotts 3 0 8, Gardner 0 2 2, Weber 3 0 7, Huffman 6 5 18, Martin 2 1 5, Pierett 1 0 3. Totals: 17 9 48.
Halftime: L 24-15. 3-pointers: L 5 (Stotts 2, Weber, Huffman, Pierett); E 5 (Daley, Hamilton, G. Allen, Frazier, C. Allen).
Riverview East (8-12) - Hill 1 0 2, Jones 4 0 11, Watkins 4 0 12, Coleman 4 0 8, Niang 1 0 2, Allen 5 2 12. Totals: 19 2 47.
Beechwood (24-4) - Downton 5 0 10, Busald 3 0 7, Bieger 1 0 3, Rolf 3 0 8, Deatherage 3 0 6, Decker 2 0 5, Schilling 3 0 7, Brannen 5 1 12, Lloyd 1 1 4, Hughes 2 1 5, Du. Baugh 1 0 2, Draud 8 3 19, Da. Baugh 3 0 6, Rylee 2 2 6. Totals: 42 8 100.
Halftime: B 64-24. 3-pointers: B 7 (Rolf 2, Busald, Decker, Schilling, Brannen, Lloyd); RE 7 (Watkins 4, Jones 3).
Holmes (8-19) - Green 4 2 11, Mullins 2 0 4, Dozier 4 0 8, T. Calloway 2 1 6, Q. Calloway 11 0 26, Foster 2 0 4. Totals: 25 3 59.
Conner (14-11) - Hicks 5 0 10, Scott 2 1 6, B. Ginn 7 5 20, Marcum 2 0 4, Skiles 5 1 11, Osterbur 3 2 8, Couzins 2 2 7. Totals: 26 11 66.
Halftime: H 32-25. 3-pointers: H 6 (Green, T. Calloway, Q. Calloway 4); C 3 (Scott, Ginn, Couzins).
Simon Kenton (16-9) - Krohman 1 0 3, Davis 2 0 6, Hickey 1 0 3, Schwartz 2 7 11, Liar 2 2 6, Hensley 6 0 14. Totals: 14 9 43.
Covington Catholic (22-6) - Disken 5 0 11, Fleek 5 4 14, Davin 1 0 2, Thelen 6 0 12, Green 5 2 12, Moser 3 0 7, Bowles 1 0 2, Mayer 1 0 2, Jackson 1 0 2. Totals: 28 6 64.
Halftime: CC 29-25. 3-pointers: CC 2 (Disken, Moser); SK 6 (Davis 2, Hensley 2, Krohman, Hickey).
Walton-Verona - Brook 1 0 2, Jones 3 13 22, Schrader 1 1 3, Bonne 2 1 5, Pardee 9 3 21, Miles 11 6 28. Totals: 27 24 81.
South Oldham - Stragard 1 0 3, Downs 2 5 11, King 1 0 2, Cranfill 4 4 14, Johnson 7 2 20, Thieneman 1 0 2, Morrison 7 0 17, Michel 1 1 3. Totals: 24 12 72.
Halftime: WV 39-33. 3-pointers: WV 3 (Jones 3); SO 12 (Johnson 4, Morrison 3, Downs 2, Cranfill 2, Stragard).
Middletown (3-18, 2-14 GMC) - Wright 4 0 8, Calhoun 3 0 6, Gibson 2 0 4, Boles 1 2 4, Wilson 1 2 4, Bess 1 1 3, Middletown 1 1 3, Totals: 13 6 32.
Mason (17-5, 13-3 GMC) - A. Carter 6 1 13, Wagner 3 0 8, Popplewell 6 0 12, Dawes 3 0 6, Moser 5 0 10, Beck 1 0 2, Bonno 2 0 5, Cary 2 0 4, Cooper 0 1 1, Cosimi 1 0 3, S. Carter 3 0 8. Totals: 32 2 72.
Halftime: Ma 42-12. 3-pointers: Ma 6 (Wagner 2, S. Carter 2, Bonno, Cosimi).
Highlands (25-4) - Macke 1 0 3, Barth 7 2 16, Hinegardner 3 0 7, Greenwell 1 0 3, jansen 1 0 2, O'Hara 7 2 17. Totals: 20 4 48.
Simon Kenton (17-10) - Jones 3 1 7, Vickers 2 0 5, Stamper 4 0 8, Bush 4 0 10, Webb 4 0 8. Totals: 17 1 38.
Halftime: H 27-19. 3-pointers: H 4 (Macke, Hinegardner, Greenwell, O'Hara); SK 3 (Bush 2, Vickers).
High series: F-Russell 497. LW-Patterson 411.
High series: L-French 443. M-Widmeyer 359.
High series: F-Huffer 364. LW-Cumberland 349.
Top 5 finishers: 1. Samuel Hool (Talawanda) 470.75, 2. Matthew Wagner (Mason) 415.95, 3. Gavin Osterday (Moeller) 389.80, 4. Sean Mondello (Talawanda) 384.05, 5. Ethan Moore (Walnut Hills) 369.05.
Indian Hill - Antenucci 9 5 26, Price 1 2 4, Riggs 3 1 7, deHamel 2 0 5, Isphording 2 0 5, L. James 1 0 2. Totals: 18 8 49.
Taylor - O'Brian 1 0 3, Butcher 3 3 15, Finley 1 1 3, Gooding 2 0 4, Lanter 1 0 3. Totals: 8 4 28.
Halftime: IH 24-14. 3-pointers: IH 5 (Antenucci 3, deHamel, Isphording); T 4 (Butcher 2, O'Brian, Lanter).
DPCR (17-6) - Nelson 4 1 9, Little 2 0 4, Robinson 3 3 10, Ciza 1 0 3, Gallagher 8 0 16, Mitchell 2 3 7, Donaldson 1 1 4, Morrow 1 1 3, Owensby 1 2 4, Igaba 1 0 2. Totals: 24 11 62.
ICA (12-11) - Melotik 0 2 2, Naegelle 1 0 2, Bischell 1 2 4, G. Donohoe 3 4 10, D. Shawhan 3 7 14, Koloe 0 2 2, Birch 4 5 13, J. Donohoe 1 1 3. Totals: 13 23 50.
Halftime: DPCR 29-20. 3-pointers: DPCR 3 (Robinson, Ciza, Donaldson); I (D. Shawhan).
High series: C-Goubeaux 399. M-Georgiades 378. Records: C 12-5 (9-5 GCL-C), M 7-15 (5-9 GCL-C).


Netflix is once again turning to the junk-bond market to help fund its extravagant spending on original TV shows and movies.
The video-streaming giant, which has countless hit TV shows is selling off $2 billion of senior unsecured bonds in dollars and euros.
The proceeds will be used to acquire and pay for new content. Netflix believes that this strategy will help it squash competitors such as Amazon when it comes to subscriber numbers.
Netflix's current $8.4bn of junk-rated bonds have increased from the $6.5bn that was reported at the end of 2017. The company previously issued $1.5 billion of debt in April and an additional $1.6 billion in October 2017. The video-streaming firm has been an inspirational story on the stock market. Shares have skyrocketed over the last ten years and, at one point this year, it briefly stripped Disney off their title as the world's largest media company.
In an effort to continue its growth, Netflix is planning to spend more than $8bn on original shows in 2018, a $2bn increase from last year.
Netflix sent out a letter to investors reassuring them that even though they were spending such vast amounts of money purchasing content, they remain confident that the expenditure is actually an investment that will pay off generously with time, just as it had done in the past.
The company declared in its earnings release last week that it predicts to spend approximately $3 billion in cash this year and an additional $3bn next year.
It seems that Netflix might be on to something because profits more than tripled to $403 million in the quarter while revenue went up by 34pc compared to the same time last year, reaching close to $4 billion.
Investors, however, continue to look into the company's subscriber growth and financial plans as legendary media brands like Disney and HBO play catch-up by acquiring the technology needed to bring their TV shows and films to the web.
Netflix said it gained 7 million new customers in the three months prior to September, and now has a total of more than 137 million, 135 million of whom pay monthly subscription fees.


Schmitt trigger optocouplers have a light emitting diode and an integrated high-speed detector mounted and coupled in a miniature custom package. The light from the light emitting diode is collected by the photodiode in the integrated detector. The integrated detector incorporates a Schmitt trigger, which provides hysteresis for noise immunity and pulse shaping, and an open collector output. Typical propagation delay of this product is 170 ns. The common mode transient immunity is greater than 1000 V/μs.


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Rafiki Foundation | Training Africans to Transform Africa for Christ
Child Village: Zambia
Child ID: CF075
Elizabeth's mother died shortly after giving birth to her, and her father disappeared after her mother's death. Elizabeth stayed with her elderly grandparents along with a great-grandmother after the death of her mother. No one in the family was employed, so they asked for help from the Rafiki Foundation. Elizabeth arrived at the Rafiki Village Zambia in April 2014. She enjoys reading the Bible and other books, praying to God, and spending time with her friends at the Rafiki Village. Elizabeth believes Jesus is the One who was born to come and die for her.
DOB: Jan 11, 2008
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Hope's father died HIV positive, and his mother was also living HIV positive and was very sick. She wanted Hope placed in a good home before she died.
Emanuel's mother died when he was eighteen months old, and his father is unknown.
Grace Masozi
Grace lived with her grandmother after the death of her mother and father in 2006.
Faith's mother died giving birth to her, and her father remains unknown.
Both of Abigail's parents are deceased. Her father passed away the year she was born, and her mother died a year later.
Due to his own medical issues, Patricia's father could not provide for her basic needs after her mother's death.
Mercy's mother passed away some time in 2003, and her father remains unknown.
Both of Roses's parents are deceased.
Janjay
Janjay's mother died after giving birth to her, and her father died shortly after in a car accident.
Clarisse's elderly grandmother cared for her since her birth.
Before arriving at the Rafiki Village Malawi in 2008, Andrew was a double orphan living with his impoverished aunt who only survived off the...
Dorcas/Deborah
Deborah's parents and siblings went missing during religious riots in Jos, Nigeria.
Segen's young mother abandoned her soon after giving birth to her, leaving Segen with her grandmother.
Nancy's mother abandoned her, leaving her with her grandparents shortly after her birth.
Both Ethel's parents died within two years of each other.
Emmanuel was abandoned at a hospital in Rwanda when he was twelve months old, had malaria, and weighed only eleven pounds. The police have searched...
Mehiret
Before coming to Rafiki, Mehiret lived with her maternal grandmother.
Mphatso
Mphatso's mother died shortly after he was born, and his father remains unknown.
Abigail was abandoned in the annex of a Nairobi hospital grounds.
Smart's mother died two weeks after his birth, and his father died soon after her.
Ndidi
Ndidi lost her father in 2005 and her mother in 2008.
When Emmanuel was six months old, his mother took him to visit her cousin.
Both of Mary's parents were ill. Her father abandoned her mother, and her mother gave her up because she was too sick to care for her.
Aaron was abandoned as a small child near a police station.
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Over the past few weeks, Goldman Sachs Asset Management, JPMorgan Asset Management, and Nuveen have all marked respective "firsts" with regard to exchange-traded funds.
The JPMorgan Disciplined High Yield (JPHY) is J.P. Morgan's first fixed-income ETF.
The ETF will face stiff, established competition from the Pimco Total Return Active ETF (BOND), and the SPDR DoubleLine Total Return Tactical ETF (TOTL), as well as passive high-yield bond ETFs, SPDR Barclays High-Yield (JNK), and iShares iBoxx High Yield Corporate Bonds (HYG).
The Goldman Sachs Treasury Access 0-1 Year (GBIL) is the first ETF to offer same-day settlement of creation and redemption in the short-term Treasury market, which essentially makes it a money market substitute.
And Nuveen's NuShares Enhanced Yield U.S. Aggregate Bond (NUAG) is the first product launched on the NuShares ETF Platform.
The recent launches follow patterns of expansion in the ETF space by firms such firms as John Hancock Financial Services, Legg Mason, and Franklin Templeton, according Todd Rosenbluth, director ETF research at S&P Global Market Intelligence.
"You don't just enter the ETF market lightly, and a lot of companies have started paying more attention to building ETF lineups," he said.
JPMorgan, which launched its first ETF in June 2014, now has 10 products and $850 million in ETF assets.
But they are just getting started, according to Joanna Gallegos, head of product development for ETFs at JPMorgan.
The company currently has a multi-sector global fixed income ETF, and an ultra-short bond ETF in registration.
It's a similar story at Nuveen, which is an operating division of TIAA Global Asset Management.
Nuveen's new strategic-beta ETF, which is designed to squeeze maximum yield out of a broad bond universe is just the beginning, according to Martin Kremenstein, managing director and head of ETFs at Nuveen.
So far, none of these firms are suggesting a move away from traditional open-end mutual funds as they migrate into the ETF space, and the mutual-fund industry at $12.5 trillion still towers over the $2.4 trillion ETF market.
But the trend toward ETFs continues to mount.
According to Morningstar, U.S. open-end mutual fund assets are sitting at an all-time high, but so far this year the industry has suffered more than $8.7 billion in net outflows, which follows $35.1 billion in net outflows last year.
The total number of distinct funds, not counting multiple share classes, stands at 8,155, down from 8,208 in December.
ETFs, meanwhile, are in the midst of a growth spurt, including net flows this year of more than $141 billion, following two consecutive years of more than $240 billion in net inflows.
Morningstar counts a total of 1,927 ETFs, up from 1,848 in December.
"It's nice to see some legitimate firms coming into the ETF space," said Matt Collins, head of U.S. product operations at ETF Securities.
"Generally, it seems like what the fund companies are offering in the form of ETFs is what they've done for decades, but some of the business dynamics of active management and/or higher fees is putting pressure on the way they've always done things," he added.
Since roughly 80% of his firm's $22 billion in ETF assets is in specialized commodity strategies, Mr. Collins doesn't yet see a major threat from the giant asset managers pushing deeper into ETFs.
But, he said, the potential to have an impact on the ETF space is there.


bless4 is an American-born Japanese vocal and dance group consisting of 4 siblings – Akashi, Kanasa, Akino and Aiki – of the Kawamitsu family. They formally debuted in 2003 with BGM Japan with the single "Good Morning! Mr. Sunshine". In 2009 they contributed to Disney's animated series Stitch with the ED theme "Stitch is Coming" and the insert song "Hitori Jyanai". bless4 took 1st place in the Celebrity Acappella Championship and 3rd place in the 7th Celebrity Kaeuta Ou Finals. In 2014, together with Akino, bless4 released "Extra Magic Hour" – the OP for anime series 'Amagi Brilliant Park' – the single took #20 ranking on the Oricon Charts.
bless4 also made their Europe debut with the song "Dandelion". They made their mark in Radio Berlin's International Ranking, placing #1. They created "Warner MyCal's Christmas" song.
In 2011, their album "Yumetsumugi' placed #3 in Billboard Japan.In 2012, Tokyo TV Anime "Aquarion EVOL" theme song "Kimi no Shinhwa~Aquarion dai ni shou" placed #3 on the Oricon Charts and placed #1 in anime category ranking.
In 2005, Akino, then only 15, made her debut for her solo music career with the song composed and arranged by Yoko Kanno ,"Sousei no Aquarion", the OP theme of the anime series "Sousei no Aquarion", the iconic phrase ""♪一万年と二千年前から愛してる♪" (I've loved you since 12,000 years ago) once again caught everyone's attention 2 and a half years later within her debut single. The release is ranked #26 in the Oricon Charts; she subsequently released a 2nd single "Go Tight" the following year – this ranked #18 in the Oricon Charts and was used as the new OP theme for Sousei no Aquarion. "Sousei no Aquarion" was also the #1 hit in Oricon Ring Tone Ranking, iTunes Download Ranking, AMAZON CD Ranking, Karaoke Ranking, etc.! Awarded "2009 JASRAC" Silver Award.
As her solo music career continued to take flight, Akino went on to release several more singles and album – all of which music were used as OP, ED or insert songs for the 'Sousei no Aquarion' and 'Aquarion EVOL' TV series, OVA and movie. In 2014, she contributed to the OP and ED theme-songs for the visual-novel game 'Senjou no Waltz' (戦場の円舞曲) by OTOMATE and Idea Factory; and in 2015, her song "Miiro" (海色) is used as the OP theme for the hit anime series 'Kantai Collection' (adapted from the #1 online browser game of the same name by DMM.com and Kadokawa Games) – the single is a whooping success which took #2 ranking on the Oricon Charts shortly after its release.
Featured Artiste – P's LIVE!


Here's a look at some Community, Cooperation, Collaboration events near San Francisco.
39 Future Neighbors and Cohousers going 6 spots left!
13 Future Neighbors and Cohousers going 7 spots left!
4 Future Neighbors and Cohousers going 8 spots left!
17 Future Neighbors and Cohousers going 13 spots left!


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'I kinda lost my way': Alex Rodriguez opens up about his relationship with ex-partner Jennifer Lopez, wishes her the best with Ben Affleck – Animated Times – Animated Times
Home » Celebs » 'I kinda lost my way': Alex Rodriguez opens up about his relationship with ex-partner Jennifer Lopez, wishes her the best with Ben Affleck – Animated Times – Animated Times
Alex Rodriguez and his ex-fiancée Jennifer Lopez have known each other for a long time. They turned their friendship into a relationship after a decade, which didn't last long. Although they couldn't exchange their wedding vows, the former still supported the singer as a longtime friend. Sharing his feelings in an interview, he wished the singer the best future with husband Ben Affleck.
Former couple Jennifer Lopez and Alex Rodriguez
Also Read: Alex Rodriguez Called Former Lover Jennifer Lopez His Twin, Exposed Hollywood's Dumb Obsession With Horoscopes Amid JLo Firing Dancers For Being Virgins
Alex Rodriguez Opens Up About Jennifer Lopez's Marriage To Ben Affleck
Ben Affleck and Jennifer Lopez
Also Read: President Joe Biden Claimed Jennifer Lopez, Alex Rodriguez Looked Good Together, A Year Later JLo Quit A-rod
47-year-old former professional baseball player Alex Rodriguez has opened up about his relationship with ex-partner Jennifer Lopez.
He recently made an appearance on HBO Max Who is talking to Chris Wallace? where the host grilled him by asking if he was embarrassed that his ex had rekindled his relationship with actor Ben Affleck and "I ended up marrying him, didn't you?"
The businessman shared, "With Jennifer, listen, it was a good experience. And I wish her and the kids, who are smart, beautiful and wonderful – I wish them the best," he said. "That's it."
Rodriguez, nicknamed A-Rod, also responded if he would be a "good material husband" with star sharing,
"I think when you look at my life, Chris, I mentioned when I was 15…I think Sports Illustrated called me one of the best players in the country. And at that time, I was Alex Rodriguez. And then somewhere along the way, at 24, I get a $200 million contract, and probably, I got a little sidetracked. I became A-Rod.
The difference between himself Rodriguez and his alter-ego A-Rod is a distinction between his two life phases which occurred before and after his suspension from the league in 2014 for using steroids.
Also Read: Alex Rodriguez on Ex Jennifer Lopez Engaging with Ben Affleck, Calls Her 'The World's Greatest Performer'
Jennifer Lopez and Alex Rodriguez's Relationship That Ended With Bennifer!
You May Also Like: Jennifer Lopez Reveals She Met Ex-Fiancée Alex "A-Rod" Rodriguez For The First Time, Says She Almost Yelled At Him
Lopez and A-Rod met in 2005 at a New York Yankees game for the first time and met by chance in Los Angeles in 2017. The same year, the then couple confirmed their relationship and made her first appearance on the red carpet. in a relationship with.
They took the next step in their relationship with the businessman proposing to the singer on the beach in 2019. Their wedding was finally reported despite being delayed due to the COVID pandemic.
The two officially called off their engagement in April last year stating, "we are better as friends."
It was then that Ben Affleck entered the life of the singer. Their former romance was rekindled the same year with the couple getting engaged before finally marrying in Las Vegas in July this year.
They also hosted an intimate three-day wedding celebration that took place at Affleck's estate in Riceboro, Georgia two months ago.
College football picks, schedule: ATS predictions, odds for the top 25 games in Week 5 – CBS Sports
Gigi Hadid, 27, and Leonardo DiCaprio, 47, are both leaving the same £1,300-a-night hotel in Paris


The rides throughout this region range from purpose-built to pioneer trails, across landscapes from coastal to high-country tussocks and mountains.
Check out these popular trails that make the Christchurch and Canterbury region a mountain biking mecca.
Enjoy the freedom of riding without the hassle of logistics by taking a guided or self-guided mountain bike tour.
For trail maps, ride tips, bike hire and repairs, head to one of the local bike shops in Christchurch.
Few countries in the world serve up such diverse riding – from urban forest trails to rugged, remote mountaintop tracks. This practical guide helps you plan a safe and enjoyable mountain biking holiday in New Zealand.
Funky Christchurch city and the vast Canterbury region have plenty to keep you busy, whether you're a shopaholic, wild adventurer or history buff.


This page is a translated version of the page Manual:Attribute.php and the translation is 35% complete.
Cette fonctionnalité a été supprimée entièrement dans la version 1.19.
attribute.php file is a maintenance script that is used by Wikipedia and other Wikimedia projects to re-attributing edits. Uses reassignEdits.php . The program reads from the database all of the pages that are from username source and creates a new SQL file with the records reassigned to username destination. In order to update the database, the SQL file needs to be imported to the database. This program does not handle the actual modification of the database.


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iPhone 12 Mini Review: Overview & Price – As good as it sounds?
Written by Luke in News,Smartphones
1 Breakdown
2 Design & Display
5 Battery Life
We all know the drill by now; each year, Apple refreshes its smartphone line with fancy new handsets and everyone gets unreasonably excited about things like new screens, faster processors or better cameras.
It's been the normal order of things for years now, but 2020 was slightly different in that Apple finally decided to service the needs of consumers who aren't all that fussed about having a gigantic screen in their pockets at all times.
The iPhone 12 Mini is the smallest phone Apple has released in quite some time, bucking the trend of handsets getting ever more monstrous in size. However, unlike its rivals, Apple hasn't hobbled this pint-sized device with last year's specs; the iPhone 12 Mini is sporting the same A14 Bionic chipset found in other members of the iPhone 12 family, and the handset even boasts the most up-to-date OLED screen the company offers, too.
With dimensions of 131.5 x 64.2 x 7.4 mm and an overall weight of 135g, the iPhone 12 Mini certainly lives up to its name.
Not since the original iPhone SE have we witnessed a device with such pocket-friendly proportions – and in a rather neat tribute to that particular handset, the iPhone 12 Mini sheds the rounded edges that have typified the iPhone line for years and reverts back to the 'flat' edges. It's retro, but we like it a lot.
From the front, things look a little more traditional, with the edge-to-edge display filling out the face of the device while the oft-criticised 'notch' remains resolutely in place.
Apple is once again using Face ID for security – there's no trace of an in-screen fingerprint scanner here – so you'll have to use your fizzog to unlock the device, as well as pay for apps or use your phone for contactless payments (the latter is quite a pain in the current age of mask-wearing outdoors).
Everything else is as you'd expect, right down to the glass back (for wireless charging) and the Lightning connector on the base – there's no place for USB-C for the iPhone in 2020, it seems.
The 1080 x 2340 Super Retina XDR OLED is protected by next-generation scratch-resistant glass and offers fantastic image quality – especially if you're upgrading from a device which uses an old-school LCD panel.
Brightness is impressive, while colours really pop. Dark areas are afforded superb contrast, and support for HDR10 and Dolby Vision content makes the whole package even more appealing. It's still a 60hz panel, sadly; Apple hasn't upgraded to 90 or 120hz just yet.
The A14 Bionic chipset that powers the entire iPhone 12 range is – as you might expect – the fastest one Apple has ever made. This is, of course, what the company says every year, but it's hard to argue against the fact that Apple's silicon is industry-leading at the moment, and the iPhone 12 Mini benefits from blistering performance levels.
During normal, day-to-day use, the iPhone 12 Mini runs like a dream. Even when switching between multiple apps or performing demanding activities like shooting 4K video, we didn't notice the phone stuttering or struggling at any point. Everything moves super-smoothly, and even intense 3D games failed to put the iPhone 12 Mini off its pace.
There were moments when we observed iOS shutting down apps and having to reload them – a combination of the phone's 4GB of RAM and the strict limitations of Apple's mobile OS – but for the most part, the iPhone 12 Mini gave us little reason to grumble when it came to processing power.
That's quite a revelation when you consider that, by and large, most 'mini' phones operate well below the power level of their flagship siblings.
Even more of a shock is that Apple has included 5G support in this tiny phone. While coverage remains spotty for UK users, 5G is obviously the future of smartphones, so it's great that such a small device comes prepared.
We were only able to take advantage of 5G for a few days during our test period, but it outperformed even our home broadband when it came to speed.
The iPhone 12 Mini is available with 64GB of storage, but we'd advise you to perhaps consider opting for the 128GB model as it's going to be better suited for your needs, and is certainly worth the extra expense.
The days of phones coming with a single snapper are pretty much over, and even the iPhone 12 Mini is packing a pair.
The main 12-megapixel camera comes with dual-pixel autofocus and optical image stabilisation and offers excellent photo and video thanks to the handset's advanced AI chops. Photos are automatically tinkered with post-shot to really make HDR effects stand out, and the process is so fast you don't even really notice it.
Even more impressive is the low-light Night Mode shooting system, which demands that you hold the phone perfectly still for a few sections to capture detailed and surprisingly bright images.
Video recording tops out at 4K/60fps, while slow-motion video is also supported at 1080p. Dolby Vision can be applied to your videos too, but naturally, you'll need a compatibly display to make the most of those.
What really makes the iPhone 12 Mini so appealing when it comes to image capture is the presence of a second ultrawide angle 12-megapixel snapper. This means you can take photos with a wide field of vision, thereby cramming more information into a single shot.
Now we get to the rather more negative section of the review. When you're cramming so much cutting-edge tech into such a tiny body, something naturally has to give – and in the case of the iPhone 12 Mini, that "something" is battery life.
According to teardowns, the phone comes with a 2227mAh power cell, which is rather weedy when compared to what other 5G-ready phones are shipping with.
As a consequence, stamina isn't much to write home about; the iPhone 12 Mini can get you through an entire day – indeed, it has done several times for us, without issue – but there's a very real need to curb your usage to ensure you're not performing too many intensive tasks each day.
Should you be in an area which is lucky enough to benefit from 5G reception, then you can expect your battery life to get worse. 5G requires more juice to power those amazing download speeds, after all.
It sounds dull to spell it out, but the iPhone 12 Mini really does do what it says on the tin; it offers the iPhone 12 experience in a smaller frame, compared to others in the same set,
You're not necessarily cutting corners by picking this phone; sure, the battery life is inferior to other devices in the iPhone 12 line, but it's got the same chipset, the same quality screen, the same amazing build quality and it offers 5G support.
This is a phone aimed squarely at people who don't want a massive handset in their pocket, yet still want cutting-edge power so they don't feel like they're lagging behind the curve just because they don't possess massive hands.
Starting at £699, it's decent value for money, too.
Guest article from – Damien McFerran
link to 7 Ace Tips For Getting the Most From Black Friday and Cyber Monday Deals
7 Ace Tips For Getting the Most From Black Friday and Cyber Monday Deals
If you are looking to grab yourself a bargain this Black Friday then it can help to plan ahead and shop with real conviction, ensuring you get exactly what you want at prices that work for...
link to Crypto-Tracker CoinMarketCap Experiences Major Breach of Data of More than 3 Million Users
Crypto-Tracker CoinMarketCap Experiences Major Breach of Data of More than 3 Million Users
Data Security Data security continues to grab the headlines and one of the latest breaches involves the Crypto-Tracker company, CoinMarketCap. It has been reported that the data of more than...
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WOW Talks was founded in 2009 by Gal Stiglitz as a platform where people could inspire each other to pursue their dream careers through talks and questions, help and advice. Too many people do jobs they have no real interest in or care for, which is a shame given how much of our lives we spend working. Gals' belief was that if more people went after careers that really satisfied them, they, the people around them and society in general would benefit. In short, the world could be a better place. The talks started in friends houses to a small gathering, until word of mouth helped them grow and move to bigger and more exciting venues in London and around the world.
Our vision is to influence culture for the better, becoming a global community and resource to help people who need a boost, or a little bit of inspiration. We hope to provide a space for like minded people to converse and ask important questions, benefiting from each other and growing as a positive movement towards us realising a better world.


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Update for January 12, 2023
The FDA approved lecanemab (Leqembi, Eisai & Biogen), on 1/6/2023, too slow the reduction in cognition in Alzheimer's patients with mild cognitive impairment or mild dementia. Eisai & Biogen set WAC for at lecanemab $26,500 per year.
The FDA accepted the BLA for nirsevimab for the prevention of respiratory syncytial virus (RSV) in newborns and infants with an approval decision anticipated in 3Q23.
The FDA accepted the BLA for rozanolixizumab for the treatment of generalized myasthenia gravis in patients who are anti-acetycholine receptor or anti-muscle-specific tyrosine kinase antibody positive with an approval decision expected by the end of 2Q23
The FDA accepted the BLA for glofitamab for the treatment of relapsed or refractory large B-cell lymphoma after two or more lines of systemic therapy and set a PDUFA date for 7/1/2023.
The FDA accepted the NDA for vamorolone for the treatment of Duchenne muscular dystrophy (DMD) and set a PDUFA date for 10/26/2023.
The FDA has placed a hold on the launch of vonoprazan until acceptable levels of nitrosamine and met and maintained throughout the shelf-life of the product.
Checkpoint Therapeutics submitted a BLA for cosibelimab for the treatment of metastatic cutaneous squamous cell carcinoma.
Novan submitted an NDA for berdazimer gel for the treatment of molluscum contagiosum.
The FDA granted an Orphan Drug Designation to azeliragon for the treatment of glioblastoma.


There are so many people that won't step foot in a church. This fact doesn't negate the fact that they need Jesus in their lives We have reached a point where the lost don't want to be found.
This has lead many people to re-think what church can look like. This has resulted in a lot of different ministries popping up that are designed to appeal to those people that are not interested in a traditional church. There are some organizations that are simple variants on the traditional church, while there are other that have completely broken the mold.
These efforts have met with various levels of success. Some have been incredibly popular, with large numbers of people flocking into the program, but this may not be successful. There are some organizations that are sharing the Bible with people, but they may or may not be successful. Some organizations are helping the poor and disadvantaged, but that doesn't mean that they are a success. There are organizations with huge budgets, large staffs and lots of buildings, but they may not be a success.
The individuals that Jesus describes here seem to have an active ministry life, but yet they were missing one important element. They were failing to do "the will of My father in heaven". Every day, even every hour, we have the choice to do our will or His will, which option we choose can have eternal consequences, no matter how much religion we white-wash our lives with.
While kindness, generosity, compassion, hospitality and the willingness to share the reason for our hope, do not have a season and should be ongoing, we should be sure that those ministries we throw our lives into are those that God has chosen for us.
Just doing ministry activities does not make it pleasing to God, instead, whatever we do must be done in obedience and submission to His will. Any given ministry may or may not be pleasing to God and fruitful for His kingdom, depending on whose idea it is.
For example, examine this incident when a man did what he thought would be good and pleasing to God while the ark was being moved for King David, but the action was Uzzah's idea, not God's.
This poor guy sought to do what was pleasing to God, by trying to stabilize the ark when it appeared that it might fall. He was doing what seem to him as reasonable, but it wasn't what God wanted.
There are many things that are done in God's name that are not God's plan. Some of the actions appear, from a human standpoint, to be successful. However, if God isn't pleased by the action, then what is the point?
Some of the problem is that we don't necessarily see the goals and signs of success the same way that God does. We tend to think that if the number of people is increasing or the amount of money is on the rise, then we are successful. Yet God sees a much bigger picture than we do. He may know that an action we regard as small and insignificant may reap bigger benefits for His kingdom, as compared to some "big" action. A person's greatest kingdom impact may be an action that has no budget, no visibility and only involves a couple of people.
In spite of this, we tend to chase after "the next big thing", more money, more pride, more people, more buildings; all those same things the world chases after.
So, let's say it is our idea to start a ministry, for example a Bible study, a church, to preach on the street-corner or a Christian support group. While these things are not in themselves bad, they may came be a source of inappropriate pride ("look at what I did"). In addition, if we have all our energy focused in a non-God-ordained direction, then how available are we when God does call us to action?
These ministries that God isn't in, that are operating under our power, how likely are they to be a success? How likely are they to be a success for the kingdom? Certainly, if we decide to hand out $20 bills with scripture written on them, then that will surely be a very popular ministry, but will it be successful for the kingdom or pleasing to God? Remember, even Jesus said about Himself, "The Son is not able to do anything on His own, but only what He sees the Father doing. For whatever the Father does, the Son does these things in the same way" (John 5:19). If Jesus knew He couldn't do anything without the Father, who are we to think we can do anything on our own?
However, when we pursue an endeavor that God has ordained for us to do, then we are guaranteed success. Consider the story of Ananias from the book of Acts. He was told by the Lord to go to a certain house and heal the blindness of a specific person. We don't know if Ananias had ever healed even a pimple before, but we know that when God said go and do it, that his healing would be a success. Not only were his prayers of healing successful, but this was also a pivotal moment for God's kingdom.
It is important to remember that when I claim that when we do something ordained by God we are guaranteed success, that this success is based on God's criteria, not ours. God sees a much bigger picture than we do. Our efforts may be just plant a seed. In God's view this is a success, even if the harvest is still years away and we might not even be there at the time. We don't have a clue what part we are playing in God's plan, because we can't comprehend His plan.
I think of a time when I made a small act of obedience, I certainly didn't see it as anything of significance. God wanted me to do it, this little thing that I really didn't understand. I even remember thinking that this didn't make any sense and I was tempted to go off and do something else instead. Yet, in simple obedience and blind faith, I went. When I arrived at my destination, the man I went to see burst into tears and grabbed me around the neck in a huge hug of gratitude.
Even to this day, I'm not sure what happened that particular evening. What I do know is that it was all a result of God's plan. Although I didn't understand, God was able to use me because I was listening, available and willing.
God wants servants. He wants men and women that can function as an extension of His hands and mouth to help fulfill His perfect plans.
In my experience, God calling on us to take action isn't an every day thing. Consequently, this involves a lot of waiting and listening. This can be extremely challenging, because we don't wait well. Yet the only way that we can be a faithful servant, is if we remain ready to serve, waiting for the Master to give us instructions.
Sidenote: Don't let anybody make you feel guilty if you are waiting on the Lord and not "actively" involved in any ministry. Most healthy Christian lives do include periods of active waiting on the Lord.
God has given us a mind, with that mind we can think of ways to "love one another" and to "go into all the world" and that is well and good (as long as our motive is truly to bring glory to God). Yet, we need to remember that our very best efforts don't hold a candle to what God can do with us. If we want to be that "good and faithful servant', we must avoid being so involved in our own thing that we miss out on what incredible things God wants to do through us.
Just imagine if, after he left Egypt, if Moses had started into a huge temple building project. So he starts living, breathing and eating this project for God. Then if God had tried to call him, Moses would have been too busy and too preoccupied to hear and obey God's call to go set God's people free. This might have totally re-written the history of God's people.
God certainly can bust through a mis-directed "ministry". Saul of Tarsus was sure that he was being faithful when he was jailing and killing the Jesus-followers. God had to strike him blind in a huge blast that knocked everybody to the ground, then speak audibly to him to get his attention. However, more often, it seems, when God calls a person and they don't answer, that the person just misses out.
How many times have you missed out on being a blessing with a fruitful opportunity to serve God? How many time might you have seen miraculous outcomes from a mission God sent you on? How many times might God's kingdom have been furthered, lives really changed, a real difference made if you had been waiting, listening and available? Is there really anything more important than being there to serve God when he calls?
When you look at the heroes of the Bible you don't see people that used their superior intellect to figure out a way to assist God, then dedicated their life to that. Instead, you see people that knew they didn't have much to offer, but surrendered their little to God's will when He called. The world already presents us with tons of distractions and counter-incentives to listening to and following the Lord, we can't let our own ideas of how to serve the Lord get in the way of really serving the Lord.


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Child with Testicular Cancer Among 40 Plaintiffs in CA Zantac Lawsuit
Attorneys Submit Petition for Consolidation
The largest group of Zantac lawsuits filed in California state court allege the drug's manufacturers have known about the link between ranitidine and cancer since the early 1980s but did not warn the public because full disclosure of the dangers would have jeopardized sales. Attorneys say this failure to warn has created an epidemic of cancer.
June 8, 2020 – Alameda County, California – – Baum Hedlund Aristei & Goldman and the Moore Law Group have filed lawsuits on behalf of 40 cancer victims and their families alleging the manufacturers of Zantac (ranitidine) have known since the early 1980s that ingestion of the widely-used heartburn medication leads to the production of "staggering amounts" of a potent carcinogen. Attorneys R. Brent Wisner of Baum Hedlund and Jennifer Moore of the Moore Law Group spearheaded the trials in the Roundup litigation, and they intend to repeat that success here for their 7,600+ clients.
The complaints allege the manufacturers caused severe injuries to each of the plaintiffs by manufacturing defective and dangerous drugs that have no business being in a human body, conducted rigged studies to conceal the Zantac-NDMA link to the FDA and lack labels that properly warn consumers of the dangers associated with Zantac (ranitidine) use.
Among the plaintiffs is Hanna Carbajal, a California mother who alleges that her ingestion of brand name Zantac while pregnant—the first prescription drug in history to reach $1 billion in sales—caused her 8-year-old son to develop testicular cancer at the age of five.
The other plaintiffs allege exposure to brand-name and/or generic over-the-counter (OTC) Zantac (ranitidine) caused them to develop bladder cancer, kidney cancer, prostate cancer, testicular cancer, and thyroid cancer.
The defendants named in each complaint vary based on the drug (or drugs) the plaintiffs ingested. Some of the plaintiffs took generic over-the-counter ("OTC") Zantac, others took prescription Zantac, and some took a combination of prescription and generic versions of the drug. GlaxoSmithKline (GSK), the company responsible for designing and developing Zantac, is named in every complaint. The complaints collectively list six manufacturer defendants:
GlaxoSmithKline, LLC, of Philadelphia, PA
Boehringer Ingelheim Pharmaceuticals, Inc. of Ridgefield, CT
Boehringer Ingelheim USA Corporation of Ridgefield, CT
Pfizer, Inc. of New York, NY
Sanofi US Services Inc. of Bridgewater, NJ
Sanofi-Aventis U.S., LLC of Bridgewater, NJ
The complaints allege seven causes of action and seek punitive damages against the manufacturer defendants:
Count I: Strict Products Liability – Failure to Warn
Count II: Strict Products Liability – Manufacturing Defect
Count III: Negligence – Failure to Warn
Count IV: Negligent Product Design
Count V: Negligent Manufacturing
Count VI: Negligent Misrepresentation
Count VII: Negligence
Attorneys R. Brent Wisner, Michael L. Baum, Pedram Esfandiary, Adam M. Foster, and Nicole K.H. Maldonado from Baum Hedlund Aristei & Goldman, and Jennifer Moore, Andie B. Camden, and Ashton R. Smith from the Moore Law Group, filed the complaints in Alameda County Superior Court on behalf of 40 plaintiffs, the first group of Zantac cancer victims yet to be filed in California state court.
The legal team also submitted a petition today to formally consolidate the cases in a Judicial Council Coordinated Proceeding (JCCP).
A JCCP is similar to a federal multidistrict litigation (MDL); both provide unified management for the pretrial and trial phases of consolidated cases. In the federal Zantac MDL (In Re: Zantac (Ranitidine) Products Liability Litigation, MDL No. 2924, 20-MD-2924), U.S. District Court for the Southern District of Florida, plaintiffs have already filed at least 230 complaints, and many thousands more are preparing to file cases in federal court and courts throughout the country.
Ms. Moore and Mr. Wisner both participated in forming the MDL in January 2020 and now, here in California, seek to create the same type of coordinated proceeding. Mr. Wisner explains, "We did the same thing during the Roundup litigation. We created both an MDL and JCCP. And, while Ms. Moore took the lead in trying the first federal case in the MDL, I took the lead in state court. Together, we were able to obtain over $2.4 billion in verdicts. We plan to dwarf that here in this Zantac litigation." Ms. Moore agrees, "Coordinating these two important proceedings is the first step in putting pressure on these defendants to come to the negotiating table and do right by our clients. I am looking forward to getting a case to trial in California state court as soon as possible."
Details about the Allegations, the Plaintiffs and the Legal Team
Zantac History and NDMA Controversy
Zantac (ranitidine) was originally discovered and developed by scientist John Bradshaw on behalf of GSK in 1976. The drug gained approval from the U.S. Food and Drug Administration (FDA) in 1983 and quickly became one of GSK's most successful products. Since the 1990s, several companies, including Pfizer, Boehringer Ingelheim, and Sanofi (and their respective subsidiaries) have controlled the generic rights to sell OTC ranitidine. According to GSK's 2019 annual report, the drugmaker "discontinued making and selling prescription Zantac tablets in 2017 … in the U.S."
In September of 2019, pharmacy and testing laboratory Valisure filed a Citizen Petition calling for the recall of all ranitidine-containing products due to exceedingly high levels of N- Nitrosodimethylamine (NDMA), a potent carcinogen found during testing of ranitidine pills. The U.S. Food and Drug Administration and European regulators started reviewing the safety of ranitidine with a specific focus on the presence of NDMA.
Discovered as a bi-product in manufacturing rocket fuel, NDMA is only used to induce tumors in animals as part of laboratory experiments. NDMA's only function is to cause cancer, and according to the complaints, the NDMA in ranitidine is not caused by any direct contamination. Rather, the ranitidine molecule itself contains the constituent molecules to form NDMA.
Valisure's finding and Citizen Petition triggered a cascade of recalls by ranitidine manufacturers and retailers. In January of 2020, research laboratory Emery Pharma submitted another Citizen Petition to the FDA, showing that NDMA accumulates in ranitidine at unsafe rates when exposed to heat levels that would occur during transport and storage. According to Emery Pharma's Citizen Petition, ranitidine is a time-and temperature-sensitive pharmaceutical product that develops NDMA when exposed to heat, a common occurrence during shipping, handling, and storage. In addition to warning about this condition, Emery Pharma requested agency directives to manufacturers and distributors to ship ranitidine medications in temperature-controlled vehicles.
In response, on April 1, 2020, the FDA requested drug manufacturers to withdraw all Zantac and generic ranitidine drugs from the market effective immediately after determining that levels of NDMA in some ranitidine medications "increases over time and when stored at higher than room temperatures and may result in consumer exposure to unacceptable levels…"
The FDA, in effect, issued a public statement requesting the immediate removal of all ranitidine medications from the market due to the risk to public health:
"The agency has determined that the impurity in some ranitidine products increases over time and when stored at higher than room temperatures and may result in consumer exposure to unacceptable levels of this impurity." Based upon its own testing and evaluation, the FDA concluded that "NDMA levels increase in ranitidine even under normal storage conditions and NDMA has been found to increase significantly in samples stored at higher temperatures, including temperatures the product may be exposed to during distribution and handling by consumers."
According to the complaints, the FDA's testing of ranitidine confirms that NDMA levels increase in the drug even under normal storage conditions, and NDMA has been found to increase significantly in samples stored at higher temperatures, including temperatures to which ranitidine may be exposed during distribution and handling by consumers.
Zantac Manufacturers Have Known Since the Early 1980s That Ranitidine Ingestion Leads to the Formation of NDMA
In 1981, research published in The Lancet found that ranitidine turned into mutagenic N-nitroso compounds (of which NDMA is one) in human gastric fluid when accompanied by nitrites (a chemical commonly found in heartburn-inducing foods). Based on the findings, one of the researchers cautioned that, in the context of ranitidine ingestion, "it would seem prudent to … suggest[] a diet low in nitrates and nitrites, by asking patients not to take these at times close to (or with) meals[.]"
According to the complaints, GSK knew about this study and "attempted to discredit it."
Other early studies, including one conducted by GSK in the early 1980s, demonstrated that NDMA formed when ranitidine was exposed to heat. In the study, which was presented to the FDA, GSK remarkably admitted that ranitidine use caused the proliferation of bacteria in the human stomach that are known to convert nitrates to nitrites, which leads to elevated levels of nitrite in the stomach environment. GSK acknowledged this could increase the risk of developing NDMA and, in turn, cancer, but then dismissed this risk because people were only expected to use ranitidine-containing products for a short-term period:
"Ranitidine is recommended only for short-term use and carcinogenic risk, if any, should thus be minimized."
After numerous studies raised concerns over the link between Zantac and the formation of NDMA, GSK published a clinical study in 1987 specifically investigating gastric contents in human patients and N-nitroso compounds. While the study indicated that there were no elevated levels of N-nitroso compounds (of which NDMA is one), the complaints allege it was intentionally "rigged to fail," and "designed to mask any potential cancer risk."
"[I]n the testing it did do, GSK refused to test gastric samples that contained ranitidine in them out of concern that samples with ranitidine would contain 'high concentrations of N-nitroso compounds being recorded'," the complaints read. "So, GSK did not test for NDMA in any gastric fluid that contained ranitidine."
"It appears GSK's clinical study was rigged and purposely failed to investigate the connection between ranitidine ingestion and the formation of NDMA, which was the well-established at the time," said Jennifer Moore, attorney for the plaintiffs. "The FDA never would have approved the drug if GSK had tested it properly."
"GSK admitted decades ago that Zantac could react with nitrite in the stomach to form NDMA, and that long-term use of Zantac could lead to elevated levels of nitrite in the human stomach," stated R. Brent Wisner. "It's unconscionable that this didn't stop them from telling millions of people through advertising to take Zantac when consuming foods containing high levels of nitrates, like hotdogs and pepperoni pizza. Their failure to tell the FDA, the medical community, and their consumers about the true risks associated with this drug has created an epidemic of cancer."
GSK and Other Manufacturers Disregarded Scientific Evidence Linking Ranitidine to Cancer, Never Reported Safety Data to FDA
Manufacturers of an approved drug are required to submit an annual report to the FDA containing, among other things, new information regarding the drug's safety. Since the early 1980s numerous animal and epidemiological studies have found the ingestion of ranitidine can lead to the production of NDMA.
In 2016, researchers at Stanford University conducted an experiment in which they measured NDMA in the urine of healthy individuals over the course of 24 hours, administered one dose of ranitidine, and then measured the NDMA in the urine of the same individuals for another 24 hours. On average, the level of NDMA increased by 400 times, to approximately 47,000 nanograms. According to the study, unsafe levels of NDMA are formed in the human body as a result of ranitidine ingestion. The scientists further explained that humans do not typically excrete NDMA in their urine, so that the observed 47,000 nanograms likely only captured 1/100 of the actual NDMA levels in the human body.
Despite regulations requiring drugmakers to submit "copies of unpublished reports and summaries of published reports of new toxicological findings in animal studies and in vitro studies (e.g., mutagenicity) conducted by, or otherwise obtained by, the [manufacturer] concerning the ingredients in the drug product," the defendants ignored the regulations, disregarded the scientific evidence, and did not report to the FDA significant new information affecting the safety of ranitidine drugs, according to the allegations.
Punitive Damages Sought for "Conscious Disregard" of Plaintiffs' Rights
The 40 plaintiffs allege the manufacturers of Zantac and generic ranitidine knew they could profit by convincing consumers that ranitidine was harmless to humans, and that full disclosure of the drug's true risks would have limited the amount of money they could generate. According to the complaints, the defendants accomplished this through a misleading label, a comprehensive scheme of selective misleading research and testing, false advertising, and deceptive omissions. As a result of the defendants' conscious disregard for their rights, the plaintiffs have requested punitive damages against the drug manufacturers.
The Zantac Plaintiffs
The plaintiffs are all California residents aged 8 to 67 years. A number of plaintiffs granted permission to be mentioned in this press release:
Grag Amelino, El Segundo
Michael Caratti, Fair Oaks
Hanna Carbajal, Valley Springs
Brian Elias, Covina
Marc Friedland, Palmdale
James Goetz, Redondo Beach
David Harbaugh, Pasadena
Christopher Ives, Sonora
Marc Mitchell, Santa Rosa
Mark Morrison, Napa
Albert Muesse, Stanton
James Newton, Vallejo
Dwight Norman Sr., Stockton
Lynn Smith, Milpitas
Brian Wilbur, El Cajon
The cases were manually filed on May 11, but due to delays brought on by the COVID-19 pandemic, the court was unable to issue case numbers until the second and third weeks of May. Case numbers:
RG20061276, RG20061309, RG20061342, RG20061365, RG20061371, RG20061398, RG20061402, RG20061406, RG20061430, RG20061439, RG20061448, RG20061460, RG20061466, RG20061472, RG20061519, RG20061524, RG20061529, RG20061536, RG20061561, RG20061567, , RG20061576, RG20061592, RG20061597, RG20061599, RG20061603, RG20061631, RG20061644, RG20061652, RG20061667, RG20061681, RG20061688, RG20061705, RG20061712, RG20061726, RG20061739, RG20061766, RG20061771, RG20061782, RG20061791, RG20061977
Zantac Cancer Plaintiff: Hanna Carbajal on Behalf of Her Minor Son
Hanna Carbajal took OTC Zantac while she was pregnant with her son between 2010 and 2011. For many years, Zantac and its generic equivalents have been marketed to pregnant women as a safe treatment for heartburn. Prior to the FDA's April 2020 market withdrawal request, the agency considered the drug as Category B, safe to take during pregnancy.
However, prevailing scientific evidence has found that exposure to ranitidine (and the attendant NDMA) can cause testicular cancer. NDMA is, itself, a very small molecule. This allows it to freely pass through all areas of the body, including the blood-brain and placental barrier. This is particularly concerning as ranitidine has been marketed safe for pregnant women and young children for years, including prior to and during the time Ms. Carbajal ingested the drug.
According to the complaint, as a direct result of being exposed to carcinogenic ranitidine-containing drugs in utero, Ms. Carbajal's minor son was diagnosed with testicular cancer. Had the defendants warned Ms. Carbajal or any of the plaintiffs that ranitidine could lead to the production of NDMA or cancer, they never would have taken the medication.
As a result of exposure to ranitidine, Ms. Carbajal's son has suffered significant injuries, including testicular cancer, that has required surgeries to remove a testicle, chemotherapy, and other treatments to address the physical effects and permanent damage.
Zantac Cancer Plaintiff: Brian Wilbur
Brian Wilbur, a pillar in his community, has spent 37 years in the California school system. For the last 23 years, he has been the school administrator / Director of Extended Curricular Programs at Grossmont Union High School District in El Cajon, California, where he also served for 11 years as a high school principal. Prior to that, he was a teacher for 13 years.
In 2009, Mr. Wilbur was prescribed brand-name Zantac to address stomach issues and later took generic ranitidine.
In 2017, Mr. Wilbur was diagnosed with prostate cancer after taking prescription Zantac and ranitidine for roughly seven years. He was forced to undergo radiation therapy and medication to treat his prostate cancer.
According to Mr. Wilbur's complaint, an epidemiological study looking at various cancer risks and H2 blockers, including ranitidine, showed that ranitidine consumption increased the risk of prostate, lung, esophageal, pancreatic, and kidney cancer. Of particular note, the study indicated that people under the age of 60 that took ranitidine were five times more likely to contract prostate cancer.
Mr. Wilbur never would have taken ranitidine drugs if the defendants had warned about the known dangers.
Baum Hedlund Aristei & Goldman
Baum Hedlund Aristei & Goldman has resolved thousands of cases across many practice areas and won more than $4 billion in verdicts and settlements over the past 40 years. The firm's award-winning personal injury attorneys have extensive experience holding large corporations accountable for concealing the dangers of consumer products. The National Law Journal and The Trial Lawyer Magazine awarded the firm's Roundup cancer legal team (all of whom are working on the Zantac cases) with 2020 Elite Trial Lawyers Mass Tort Law Firm of the Year finalists, 2019 Elite Trial Lawyers Mass Tort Trial Team of the Year winner, and Trial Team of the Year 2019 by The National Trial Lawyers Top 100.
R. Brent Wisner, vice president and shareholder of Baum Hedlund, is the lead trial attorney for the firm's Zantac cancer litigation and Roundup cancer litigation. He co-led two of the three Roundup cancer trials against Monsanto, obtaining the largest verdict in California in 2019 and the ninth largest verdict in US history with the $2B verdict for the Pilliods. He has won numerous awards and recognition, including 2019 Civil Plaintiff Trial Lawyer of the Year, by the National Trial Lawyers and American Lawyer Media; America's Most Influential Trial Lawyers by The National Law Journal and Trial Lawyer Magazine and 2019 Winning Litigators, Titans of Industry by The National Law Journal.
In early 2020, U.S. District Court Judge Robin L. Rosenberg, who oversees all Zantac cancer cases litigation in the MDL, appointed Brent to the Practices and Procedures team, a small group of lawyers who helped establish the protocols and methodology for litigating the tens of thousands of Zantac cases expected to be filed. Judge Rosenberg also originally appointed Brent to the Plaintiffs' Steering Committee and as Co-Chair of the Trial and Bellwether Committee in the MDL, but Brent recently resigned from those positions to focus his efforts on the California litigation. Brent also serves as Co-Chair of the Zantac Litigation Group for American Association For Justice. Since October of 2019, Brent has delivered Zantac presentations both in person and online, for many prestigious national lawyer conferences.
Moore Law Group
The attorneys at Moore Law Group have made a firm commitment to the practice of personal injury law, representing people who have been injured by the carelessness or neglect of corporations, hospitals, or individuals. Led by trial lawyer Jennifer A. Moore, the firm has a track record of success handling complex injury claims.
Jennifer A. Moore, is the founder and owner of Moore Law Group, based in Louisville, Kentucky. She has successfully led numerous class action and complex litigation cases in both state and federal courts. She successfully tried the first MDL Roundup cancer trial, resulting in an $80M verdict against Monsanto. She is admitted to practice in Kentucky and California and has been recognized by Business First as one of Louisville's Top 40 Under 40 and recently received the University of Kentucky College of Law's Professional Achievement Award for her work representing cancer victims in the Roundup litigation. Jennifer serves on the Board of Governors for the American Association for Justice (AAJ) and also on AAJ's National Finance Council, the Section and Litigation Group Leaders Council and Litigation Group Leaders Council. She is a regular speaker at national lawyer conventions and conferences on the Zantac litigation. Along with Mr. Wisner, she serves as co-chair of AAJ's Zantac Litigation Group.
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Our legal team at Baum Hedlund Aristei & Goldman mourns the loss of a beloved client and friend, Tammy Spears, who passed away ...


Capitalize the first letter when listing a genre?
agent referral: mention in subject line?
Right of Refusal - Time limit.
Female Agents / Mrs., Ms., or Neither?
I'm done with revising my novel but. . .
Just received offer of rep....Help!
When Is It Too Soon To Send Revisions?
What's it like for an agent when Holidays roll around?
Being asked for a 3-5 page synopsis along with the full -- what goes into the synopsis?
One & Done: How should 1-time writers publish?
How to phrase this in a query letter?
Querying your novel to multiple agents but each a different genre? Bad form?
how long can I delay sending full?
Agent response, positive? What to do?
So...this shouldn't go in a query letter...right?
How does age of author factor in a book getting picked up?
Do agents want your first 50 pages in a binder?
It's so hard to get an agent!
Which novel to query first?
PB & YA... Wait, What's Missing Here?
Is this now normal? Am I that old?
"Do this and be successful!" books - argh! Do they or is it a waste of time and $?
Why don't agents play it "safe" and look for hot e-books?
What happens when an agent says yes?
Prefacing text before chapters - Okay to withhold?
How long do you wait for an agent response to a query?
can I pitch more than one idea to an agent?
Proper format for an email query?
Respond to note from agent?
give interview about unpublished book?
Querying agents and digital publishers at the same time?
Querying several agents at a time.
Being contacted by a foreign publisher for translation rights.
Such thing as a book proposal for a memoir?
Mention job in query letter?
How Often Should One Contact Their Agent?
Ever actually charged incurred expenses?
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Have I effectively ruined any chance of getting this published?
does a web presence influence agents?
Query letter; Blurb or Synopsis?
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request for proposal? need advice.
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Revise & Resubmit success rate?
how important is setting and location?
Controversial novel — what to do?
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Is is appropriate to . . .
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Querying on Behalf of Another Person?
Minimalist Query Letters: Good or Bad?
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Do authors usually discuss WIP's plot/characters with agent/editor?
I think my agent is ignoring me?
Back to Basics: How do You Fire Off a Dang E-Mail anyway?
Such a thing as too many fulls?
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Does the personal touch in querying really make a noteworthy difference?
separate agents for books & screenplays?
Agents who won't rep people who have self-pubbed in the past?
Query dissimilar to synopsis. Problem?
First half of manuscript after you've sent first 20 pages?
what direction when 1st in a series fails?
Ok, how would you guys handle this?
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Query Pulisher Asking for Agent Submissions Only?
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Lightly Subbed MS Advertise or Not?
Pull it out of limbo..
Artistic/Biographical Statement: How to answer questions on workshop application????
How Long Should You Wait On A Full Request?
Should technical writing credits be mentioned in queries?


Nancy earned an Economic Biology degree from Clemson University with an emphasis in art and photography. She graduated with a dream of one day being a wildlife photographer. Life took a different turn when she took a job in business photography and started down the path of a 15-year career in graphic design. Somewhere along the line between work and family, she started working with glass as a hobby, which quickly grew into a business. Nancy has been fusing glass for almost 20 years now, and her work is sold in many shops and galleries across the country.


text:
Xiaomi's MIUI 12.5 Compared With Apple's IOS 14.5
by hripsimener 2021-05-22 1204
MIUI (pronunciation: Me You I) is a heavily modified Android ROM developed by Chinese electronics manufacturer Xiaomi for its smartphones. This is a fork of the Android OS. MIUI includes various features such as theme support. There are different versions for each Xiaomi phone, and the latest version is MIUI 12.5. And iOS (formerly iPhone OS) is a mobile operating system created and developed by Apple Inc. exclusively for its hardware. It is the operating system that powers many of the company's mobile devices, including the iPhone and iPod Touch. The last version of iOS is iOS 14.5. So, as you have already guessed, today's article is about MIUI 12.5 and iOS 14.5.
Faster and more efficient environment
New super wallpapers
Audio and haptic enhancements
Privacy, well-being and security
Unlock iPhone with Apple Watch
Unlock watch settings
New Siri voices
Music app changes
New Emojis
5G Global dual-sim support
Updated game controller support
The first and very significant improvement of MIUI 12.5 is not only the optimized design, but especially the speed of the MIUI environment itself. Optimizing the new environment will ensure less CPU load on system applications by up to 22% and batteries by up to 15%. With this move, the developers achieved more free performance for other processes, which significantly speeds up the entire operation of the system and longer battery life per charge.
Animations and gestures in the system have also taken a step forward. You can still choose to display the application dock or the standard Xiaomi control buttons, but the animations and control gestures are really fast and hassle-free after optimization. So you no longer have to worry about using them.
In addition, Xiaomi brings the possibility of uninstalling almost any pre-installed application, without the possibility of uninstallation, only 9 applications such as Phone, Messages, etc. will remain in the original Chinese version of the system. This decision also brought the system closer to the competition in the form of iOS.
New super wallpapers are a very impressive visual improvement in terms of design. The first moving wallpapers in several versions have already appeared in the MIUI 12 system. These wallpapers are characterized by sophisticated animations both on the lock screen and on the home screen. And thanks to the optimization of the MIUI 12.5 system, they are even faster and smoother.
A novelty in the new version also comes in the field of audio and haptics. It is these two functions that enhance the multimedia, but especially the gaming experience of use. Improved vibrations can now be set in detail in the settings in the Sound and Touch section. You can choose the level of tactile response, as well as the type of vibration.
According to the manufacturer, these improvements should also help visually impaired users to better understand the content on the smartphone and the connection between the touch and power components. All of these sounds are designed for stereo effects and dual speakers. We have to state that notifications or an alarm clock of animal sounds is a really interesting experience, especially on Harman/Kardon brand speakers.
The Chinese manufacturer also thinks about privacy. The most important improvement that you will appreciate in our region is the ability to limit the tracking of the exact position of your device.
If the selected application (for example, Weather) asks you for permission to track your location, you can choose between a specific location (with a deviation of only a few meters) or an approximate location where the device does not know exactly the details of your location or floor. There is also the option to disable position monitoring or monitoring only when using the application.
Xiaomi also brings an extension to the Mi Browser, which will block selected sites to prevent data theft. There is also a blocking of pop-ups known from the past. The Xiaomi App Store will also receive a filter for detecting malicious content and preventing the protection of sensitive data from MIUI version 12.5.
Chinese manufacturer Xiaomi has also officially announced supported devices for the official upgrade to MIUI 12.5. Understandably, the first wave includes current flagship smartphones such as the Xiaomi Mi 11, but in the next waves we also expect older smartphones, and this list is to continue to expand.
Apple has finally released iOS 14.5 after a protracted beta testing period. This is one of the bigger point-release updates we've seen, adding the ability to unlock your iPhone with your Apple Watch, AirTags support, AirPlay support for Fitness+, and the long-awaited App Tracking Transparency feature. Apple released the first developer beta on February 1, but the public beta did not follow immediately after, instead landing on February 4 after a second build for developers. The final release to the general public didn't follow until April 26. Here are all the major new features of the update.
Face ID is great, but the constant mask-wearing of the COVID-19 global pandemic has exposed an obvious flaw—it doesn't work when half your face is covered up. With iOS 14.5 (and watchOS 7.4), you have the option to make your iPhone work like your Mac does, and automatically unlock when you're wearing an unlocked Apple Watch.
To use this feature, go to Settings > Face ID & Passcode and enable the Unlock with Apple Watch toggle. You'll have to be wearing your Apple Watch which must be unlocked and protected with a passcode. Then, when Face ID sees you're wearing a mask, it will unlock with your Apple Watch. You'll feel a quick double-tap on the watch haptics and see a message on your iPhone screen that says "Unlocking with Apple Watch." It all happens quickly and seamlessly.
As part of its ongoing commitment to diversity, Apple will no longer default Siri to the usual female voice. Instead, users will be prompted to select one of Siri's voices during setup. Apple has created two new American English voices as well, for a total of four. You can change your Siri voice at any time by going to Settings > Siri & Search > Siri Voice. Prior to iOS 14.5 beta 6, the options for American English were Male and Female. You now have Voice 1, Voice 2, Voice 3, and Voice 4.
This version of iOS will lay the groundwork for Apple's long-advertised App Tracking Transparency feature. Simply put, your iPhone will now require applications to ask for permission (through a standard iOS prompt) whenever they want to track your activities outside the app, such as across other apps or websites. Most users are unaware that many apps even do this. Apple is not blocking the practice, merely requiring informed consent just as it does for, say, location access.
The Music app gets a lot of small design changes, including the ability to swipe left or right on tracks to add tracks to them to the current song list, download, or add to your library. There are new popover menus all over the place, and you have the ability to long-press on the real-time lyrics to share them over social media (like Instagram stories) or via iMessage.
Apple added a bunch of new Emojis back in iOS 14.2, but there are over 200 introduced in iOS 14.5. They come from the Emoji version 13.1 list approved by the Unicode consortium last year. Most of the 200 emojis are various combinations of skin tones.
If you have an iPhone 12 and make use of dual-sim mode, both connections will be limited to 4G LTE (except in mainland China, where the SIM used for data will support 5G). In iOS 14.5, 5G is now supported on the data connection when you use dual-SIM mode.
You can finally sync your Xbox Series X/S or PlayStation 5 game controller to your iPhone or iPad.
So, today's article that's much, hope we were able to introduce you to MIUI 12.5 and iOS 14.5 features in the best possible way and hope you like it. You can tell us what operation system you use iOS or MIUI or another one. Which one do you like the most? Or if you have any suggestions, the comment section is below, we are waiting for your offers.
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Sadly I returned home early from the 2015 yesterday. I had to visit the Doctors in Aviemore on Thursday, my first visit to a docs for over 20 years! He diagnosed a soft tissue infection in my lower left leg, the remedy....a course of antibiotics and at least 48hrs rest. Preferably with my leg elevated! His exact words.."it'll never get better unless you rest, and take your weight off it". I had put the pain off as long as I could, thinking at first that I was suffering "shin splints" and then a "sprain"...I never considered an infection!
I had enjoyed my 7days immensely, even the deluges! Enjoying Knoydart at it's very best. I managed to summit 6 Munro's, 2 Munro tops and a Corbett. Things were going well and was on target when I regretfully had to withdraw from the event...But there'll be other years.
Yep just bad luck. no bite as far as the doc or me could see. He thought poss a nick/crack/graze in the skin..maybe something in the water in a burn crossing was all he could come up with.
That was my first visit to a doctor for over 20 years!
Hope the leg's well on the mend now, and looking foward to reading how Mallaig to Aviemore went.
Thanks Gayle, I've ventured out today...a walk along Grange-over-Sands prom! Felt like a really old person!!
The swelling is going down now as the antibiotics take effect.
It was a great shame, I was having a great time.
I'll be posting a few reports and pictures over the next few days.
Thanks Alan...I'm a bit more philosophical about it now. I was able to have a short walk yesterday and it feels better again today.
Just a shame there's only 1 challenge a year...its a long wait for the next one!


Not only the groom suffers from wedding day jitters. Best men get them too -- just before the wedding toast. The speech should entertain and make the wedding guests guffaw, but at the same time, you should avoid stories about the groom's hilarious drunken escapades. Don't pig roast the groom on his wedding day! Unless you're a rare cross between Jimmy Kimmel and Walt Witman, everyone could use a few wedding words. So what do you do? Get GroomStand's new Wedding Toast Widget! It aggregates the best quotes for the various types of wedding speeches. Spread the words! Copy and paste the toast widget on your own blog, using the code provided with the link. With your help, we could put an end to terrible toasts.


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text:
Experience needs history
Furniture is our craft since 1915.
Individuality and craftsmanship have been the hallmarks of our furniture production since the company was founded in 1915. From a basket maker to a modern furniture company. As much as the technology and requirements have changed, we have never neglected one thing: the region and the craft.
We continue to stand by the Borgentreich location, where we continue to lay the foundation for the future of our company through training in technical and commercial professions.
We have been committed to this tradition since 1915.
Decker becomes Germany's first climate-neutral furniture manufacturer.
www.dgm-moebel.de
Start of the training campaign "Be a discoverer".
www.teamdecker.de/ausbildung/
Under the motto: "Tradition obliges. Experience needs history". the company celebrates its 100th anniversary. A special occasion to look back together with the "family" and to tackle new challenges with foresight.
Andreas Decker is elected as the new DGM Chairman.
Commissioning of a further PVA in an order of magnitude of approx. 500 kWp - mainly for own consumption. With the total output of all PVAs, the degree of self-sufficiency increases to approx. 15%.
Conversion to the purchase of green electricity.
For the first time, the company presents a solid wood kitchen at the imm cologne.
First certification of the Höxter district "Family-friendly company".
Möbelwerke A. Decker GmbH celebrates the topping-out ceremony for Hall 14.
Commissioning of a new biomass heating plant. Thanks to numerous energy efficiency measures in recent years, the heat requirement has been reduced by almost half.
The family company Möbelwerke A. Decker GmbH is named company of the month December. With this award, the community of interests honours the commitment of the company from Borgentreich at the location.
Tradition obliges
Decker enters into a long-term partnership with the Dalhausen Basket Making Museum and thus supports it with donations of money and goods.
Since the beginning of the year, Möbelwerke A. Decker GmbH has been certified according to the standards of the world's largest forest certification system PEFC.
The solid wood academy is founded. Interested furniture consultants are qualified as solid wood consultants in seminars. The academy imparts in-depth and advanced knowledge in the areas of wood species and the processing of solid wood.
For the first time in the company's history, Möbelwerke A. Decker GmbH manufactures products from red core beech. The presentation of the products on the Day of the Regions is a complete success.
There's a big parade coming up. The administration moves into the new building in Borgholz.
The company celebrates its 75th anniversary.
Setting an example: This is what Andreas Decker thought when he had 75 trees planted in the homes of his employees for this festive occasion and donated a car to Caritas.
Möbelwerke A. Decker GmbH becomes a member of the Deutsche Gütegemeinschaft Möbel e.V. (German Quality Association for Furniture).
This ensures that the quality standards are sustainably assured.
Andreas Decker, son of the company owner Karl-Josef Decker, joins the company.
We convert the furniture production to partial solid wood equipment. And something is also moving technologically: CNC-controlled production systems are being used for the first time.
Reposa Polstermöbelwerk is founded. In the same year, young people are trained as upholsterers at the new location in Natzungen.
A worthwhile investment. Thanks to the initiative of Karl-Josef Decker, a training workshop is being set up at the Borgholz plant in order to secure the necessary number of qualified skilled workers in the long term. In the same year, the Chamber of Industry and Commerce recognizes the company as a training company. The term 'wood mechanic' is born.
We start production in Borgholz.
The foundation for the future is laid. A special moment. A cassette is used to wick in documents and deeds. This once again made clear the significance of the building.
The plant in Dalhausen has reached its capacity limit. In order to keep up with the latest technology, Karl-Josef Decker acquires a 50,000 sqm plot of land in Borgholz. Construction of the first hall will begin in autumn.
Karl-Josef Decker joins the company at the young age of 18. Asked before the question: Thank God, he decides to take the second option for a German railway employee or entrepreneur.
The first comprehensive wicker goods and wicker furniture catalogue is published.
August Decker founds a basket-making business together with his cousin. After only a short time, they split up and August Decker took over sole responsibility for the business in May.
August Decker - The founder of the group of companies.


text:
Human Rights Presenters
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Anti-Bullying Speakers
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Family & Women's Issues
Jewish-Muslim Film Institute
Happening Now!
The Respect Diversity Symbol Campaign
Different and the Same
Teachers as Advocates
About Respect Diversity
Manya and Majir: The Vision
Participants & Attendees Say…
Teachers & Other Educators Say…
Civic Leaders Say…
Recognitions & Awards
OKC Human Rights Award 2014
Holocaust Education Resources
Books and Guides for Educators and Parents
Books for Children & Youth
Websites for Kids and Teens
Quotations for Inspiration
Contact RDF
The quotations and passages shared below can be used as discussion prompts, classroom 'quotes of the day," or just for inspiration! They're some of our favorites, and we hope they will inspire and motivate you.
You must be the change you wish to see in the world.
I have a dream that my four little children will one day live in a nation where they will not be judged by the color of their skin, but by the content of their character.
Tolerance implies no lack of commitment to one's own beliefs. Rather it condemns the oppression or persecution of others.
First they came for the communists, and I did not speak out because I was not a communist; Then they came for the socialists, and I did not speak out because I was not a socialist; Then they came for the trade unionists, and I did not speak out because I was not a trade unionist; Then they came for the Jews, and I did not speak out because I was not a Jew; Then they came for me and there was no one left to speak out for me.
I know there is strength in the differences between us. I know there is comfort, where we overlap.
It is time for parents to teach young people early on that in diversity there is beauty and there is strength.
Human progress is neither automatic nor inevitable… Every step toward the goal of justice requires sacrifice, suffering, and struggle; the tireless exertions and passionate concern of dedicated individuals.
He who is different from me does not impoverish me – he enriches me. Our unity is constituted in something higher than ourselves – in Man… For no man seeks to hear his own echo, or to find his reflection in the glass.
It is never too late to give up your prejudices.
Strength lies in differences, not in similarities
If we cannot end now our differences, at least we can help make the world safe for diversity.
Never judge someone By the way he looks Or a book by the way it's covered; For inside those tattered pages, There's a lot to be discovered
Stephen Cosgrove
Laws alone can not secure freedom of expression; in order that every man present his views without penalty there must be spirit of tolerance in the entire population.
It always seems impossible until it's done.
Tolerance is giving to every other human being every right that you claim for yourself.
Let a good man do good deeds with the same zeal that the evil man does bad ones.
Belzer Rabbi
The test of courage comes when we are in the minority. The test of tolerance comes when we are in the majority.
Ralph W. Sockman
An individual has not started living until he can rise above the narrow confines of his individualistic concerns to the broader concerns of all humanity.
Love thy enemies, it says in the scriptures. My foster mother always added, 'At the very least, you will be polite to them.
Patricia Briggs, Moon Called
Even if you are a minority of one, the truth is the truth.
Tolerance only for those who agree with you is no tolerance at all.
Ray Davis
The highest result of education is tolerance.
If man is to survive, he will have learned to take a delight in the essential differences between men and between cultures. He will learn that differences in ideas and attitudes are a delight, part of life's exciting variety, not something to fear.
Wide differences of opinion in matters of religious, political, and social belief must exist if conscience and intellect alike are not to be stunted, if there is to be room for healthy growth.
Recognize yourself in he and she who are not like you and me.
Civilization is the encouragement of differences.
Preservation of one's own culture does not require contempt or disrespect for other cultures.
Our lives begin to end the day we become silent about things that matter.
Diversity may be the hardest thing for a society to live with, and perhaps the most dangerous thing for a society to be without.
William Sloane Coffin Jr.
Fear of the unknown and the other is the root of almost all hate. It is born of ignorance and fed by those who would keep us divided.
Tinnekke Bebout
We are all the same, and we are all different. What great friends we will be.
Kelly Moran, The Tiny Caterpillar and the Great Big Tree
A love of neighbor manifests itself in the tolerance not only of opinions of others but, what is more important, of the essence and uniqueness of others, when we subscribe to that religious philosophy of life that insists that God has made each man and woman an individual sacred personality endowed with a specific temperament, created with differing needs, hungers, dreams. This is a variegated, pluralistic world where no two stars are the same and every snowflake has its own distinctive pattern. God apparently did not want a regimented world of sameness.
Joshua Loth Liebman
I have seen great intolerance shown in support of tolerance.
One man alone can't defeat the forces of evil, but many good people coming together can.
Harold Kushner
It is not our differences that divide us. It is our inability to recognize, accept, and celebrate those differences.
History will have to record that the greatest tragedy of this period of social transition was not the strident clamor of the bad people, but the appalling silence of the good people.
We need to help students and parents cherish and preserve the ethnic and cultural diversity that nourishes and strengthens this community – and this nation.
Man becomes great exactly in the degree in which he works for the welfare of his fellow-men.
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