_Happy boy

Two economic indicators—the unemployment rate and the stock market—made headlines during the first three years of Donald Trump’s presidency: The former fell to a 50-year low and the latter broke records to ascend to dizzying heights before the 11-year bull run ended on March 11. Presidencies are inextricably intertwined with economic performance in the minds of the public. While perceptions play a role in business optimism and consumer confidence, how much can any president take credit when the economy prospers? Or, how much can the public blame any president when it falters? Fiscal and monetary policies are the primary ways to influence the economy. Fiscal policy involves changing government spending or the tax structure. Government spending and revenue plans are laid out in the federal budget, a process initiated when the president submits a proposal to Congress with help from the Office of Management and Budget (OMB). However, the budget resolutions later passed by the House and the Senate are different from this submission. The nonpartisan Congressional Budget Office (CBO) was created in 1974 to limit the influence of the OMB on the budget process; the CBO conducts independent technical analysis of the economy, and Congress relies on it while formulating its budget proposals. What, then, is the role of the president in this process? The House and Senate budget committees propose their own resolutions based on the president’s budget, and the president’s priorities for federal programs can shape the conversation in the chambers. The president can also veto the finalized appropriations bill; while Congress can override the veto with a two-thirds vote in both chambers, the difficulty of that makes it more inclined to negotiate with the president. If the bill is not signed before the start of the fiscal year and the president refuses to sign a continuing resolution to fund federal agencies, the government shuts down. This has happened during four of the last five administrations. A shutdown is powerful leverage for the Oval Office, though it comes at a terrible cost. For example, the dispute between Trump and Congress over border-wall funding and the resulting 35-day shutdown, the longest in history, shuttered nine federal agencies. Businesses could not obtain required permits and certifications, private companies could not go public and loans were held up. The CBO estimated that the shutdown decreased federal spending by around $3 billion, lowering the growth rate by 0.2 percent in the last quarter of 2018 and 0.4 percent in the first quarter of 2019. Monetary policy refers to changing money supply to influence interest rates, which is usually done through the purchase and sale of Treasury bonds by the trading desk of the Federal Reserve Bank of New York. Roughly half of American households have credit card debt and homeownership is the primary way to build wealth in this country, so interest rates have wide-ranging consequences. Research shows that central bank independence and transparency are essential for effective monetary policy. If the government called the shots, then the pressure to print money and keep interest rates low would be significant. These dangers are well-documented; for instance, under Robert Mugabe’s administration, Zimbabwe printed banknotes that were Z$100 trillion in face value but still not enough to cover a bus fare. The Federal Reserve is headed by a seven-member Board of Governors. The U.S. president nominates board members and a chair and two vice chairs from among them, but the nominees must be confirmed by the Senate. The governors serve one 14-year term, with term expirations staggered so that presidents appoint only two governors during a single term in office. However, most governors leave to pursue other opportunities, and the median duration of serving on the board is just over five years. Trump has already filled three positions on the board, including two vice chairs, and there are two more vacancies he could fill. Once confirmed, governors cannot be removed except “for cause.” Trump also replaced Janet Yellen with Jerome Powell as the Fed chair. While they share similar views on monetary policy, Powell’s different approach to financial regulations made him an attractive choice for a president who ran on a platform of deregulation. Their relationship has been less rosy since Powell’s confirmation as he and Trump do not see eye-to-eye on interest rates. While the central bank continues to steer clear of politics, public criticism from the president makes it difficult to lower the interest rate when needed while also appearing independent. While there are multiple checks and balances on the executive branch when it comes to the economy, executive orders and presidential proclamations can have significant economic impacts. Examples include Trump’s downsizing of two national monuments in Utah and opening the land to mining and cattle grazing and withdrawing from the Trans-Pacific Partnership. Tariffs affect both consumers and producers through their impact on supply and prices, and Trump has used them as the primary tool in the trade war with China. Barack Obama used executive orders to increase federal employment of veterans, individuals with disabilities and recent graduates; accelerate broadband infrastructure deployment; and establish a minimum wage and paid sick leave for federal contractors. Before him, George W. Bush used them to directly negotiate trade deals bypassing Congress, expedite energy projects and promote regulatory reform and financial literacy. Simply being in the White House brings enormous visibility as the media picks up on the president’s remarks. Trump is the first president to use social media in a significant way to mobilize supporters and share his thoughts and decisions, and his tweets opposing coronavirus-induced lockdowns spurred demonstrations from those who wished to see the economy reopen quickly as well as action from some governors. However, the COVID-19 crisis also illustrates the limits of presidential power, when stocks slide and the president acknowledges that not much can be done except wait and “the market will take care of itself.” Ranajoy Ray-Chaudhuri is an assistant professor of economics at Muhlenberg.

i like DH2 that good song Good luck

Nickname : @Loenex Tag your opponent : @AL_MAOT Music genre : Remix Number of votes : 8 Tag one leader to post your songs LIST : @HiTLeR.

Pokemon Sword and Shield's Crown Tundra expansion is officially here. The DLC is now available to download around the world, and to celebrate its release, The Pokemon Company is giving away a special Pokemon to all Sword and Shield players: Ash's Pikachu. Or, more accurately, it's giving away eight Ash's Pikachu. All month long, players will be able to claim eight special Pikachu, each of which is wearing one of the different caps that Ash donned throughout the Pokemon anime series. A similar promotion was held following the launch of Pokemon Ultra Sun and Ultra Moon back in 2018, so if you missed the Pikachu then, you'll have another chance to get them. These Pikachu will all be distributed via special passwords that will be gradually revealed across Pokemon's website and social media channels. Here are all the passwords that have been revealed so far: P1KACHUGET - Original Cap Pikachu 1CH00SEY0U - Pokemon: I Choose You Cap Pikachu P1KAADVANCE - Hoenn Cap Pikachu V0LTTACKLEP1KA - Sinnoh Cap Pikachu P1KABESTW1SH - Unova Cap Pikachu KAL0SP1KA - Kalos Cap Pikachu ULTRAP1KA - Alola Cap Pikachu To claim your free Pikachu, fire up your copy of Pokemon Sword or Shield and follow these steps: Open Mystery Gift from the game's menu screen Select Get Gift with Code/Password Follow the prompts to connect online Input the passwords when promptedThe Crown Tundra DLC released on October 22, and it takes players to a new arctic area where they'll head up an expedition team. The area is home to a variety of returning Pokemon, including every Legendary from past games. The Crown Tundra also introduces a new co-op mode called Dynamax Adventures; these expeditions have you team with up to three other players to explore Raid dens together, battling the different Dynamax Pokemon you encounter along the way.Beyond that, The Pokemon Company also reconfirmed that Pokemon Go compatibility is coming soon to Pokemon Home. The feature is due to arrive before the end of the year and will let you transfer Pokemon directly from Go to Home. You'll get a few free gifts for doing so. First, you'll receive the Mystery Box in Pokemon Go, which is used to summon the Mythical Pokemon Meltan in the wild. On top of that, you'll get a Melmetal that's capable of Gigantamaxing via Mystery Gift in Pokemon Home.

Michael Walkinshaw from TIMIA Capital notes that the acquisition demand for software-as-a-service (SaaS) companies has become even stronger in a post COVID world. He states that there has been a noticeable increase in SaaS growth equity funding and M&A activity during the past few months. During Q2 2020, SaaS merger and acquisition (M&A) deal volume had dropped below 600 for “the first time since 2016,” Walkinshaw claims. But during Q3 2020, TIMIA Capital saw a considerable surge in M&A and growth-stage equity funding activity in their portfolio. The company acknowledged that their sample size is relatively small, however, early reports from the Software Equity Group seem to be consistent with their experience. Walkinshaw notes that a recent report from EY also revealed that 70% of investors are now expecting M&A activity to improve in the coming year. While explaining what might have led to a surge in SaaS M&A activity, Walkinshaw writes in a blog post: “COVID-19, while severely affecting the overall economy, had less of an impact on the technology sector—particularly the software sector. In the ‘new normal,’ companies everywhere put greater emphasis on strengthening their digital capabilities, processes, and workflows. As such, they relied on existing software to keep businesses going, reallocated travel and conference budgets to buy new software to support work-from-home scenarios, and invested in software to deliver remote or physically-distanced services. As a result, most software categories, with the exception of travel and entertainment, saw flat or growing revenue instead of declines.” As reported recently, Chargebee, an SaaS and e-commerce business subscription service, has secured $55 million through its series F investment round that was led by Insight Partners. Chargebee integrates with payment gateways such as Stripe, Braintree, PayPal to allow customers to automate recurring payment connections along with invoicing, taxes, accounting, email notifications, SaaS metrics, and customer management. Last month, Mirakl, a marketplace SaaS platform, secured $300 million through its latest investment round that was led by Permira. TIMIA Capital claims that most SaaS firms say they’re not experiencing any “abnormal customer churn rates” (after a few months into the pandemic). TIMIA added that its portfolio firms’ revenue curves went flat for a while and then began their ascent. While they might not have been acquiring customers at the same rate as before COVID, the majority of them were had still been reporting “new customer activity,” TIMIA’s management noted. Walkinshaw, CEO at TIMIA Capital, noted: “It wasn’t long before TIMIA decided to switch the investment machine back on again. It was refreshing to witness the robustness of the SaaS model. We were encouraged by the resilience of the B2B SaaS sector, in particular, and have greater certainty than ever in the model we have built.” He added: “All of this activity is focused on growth-stage companies. In our world, that means companies with annual revenue of $3 million or more. We have not seen the same robust activity for early-stage venture capital.” Despite the challenges resulting from the Coronavirus crisis, SaaS-focused businesses continue to engage in new partnerships. As reported in September 2020, integrated payment and commerce solutions provider Paya teamed up with SaaS firm CoverMe. Paya reported that through the partnership, CoverMe will increase efficiency for healthcare providers in processing payments, as well as give providers the ability to offer patients and their insurers more flexibility in paying for medical services. Sponsored Links by DQ Promote

More information regarding the clock speeds for the AMD Radeon RX 6800 XT custom "Big Navi" graphics cards have leaked out by Patrick Schur. In his latest tweet, Patrick talks about the AMD Radeon graphics card, the ROG STRIX Radeon RX 6800 XT from ASUS, which reportedly comes with boost clocks beyond 2.5 GHz.ASUS ROG STRIX Radeon RX 6800 XT With AMD's Big Navi "Navi 21 XT" GPU Reportedly Features Boost Clocks Beyond 2.5 GHz at 290W TGP The information is based on engineering board samples so final clocks and TGPs may vary but it is interesting just how far AIBs have managed to push AMD's Big Navi GPUs, even if internally. ASUS's ROG STRIX Radeon RX 6800 XT is the highlighted model today & there are three systems mentioned by Patrick that have been tested within 3DMark 11, all with variable clock speeds. The RX 6800 XT is reportedly running with a set TGP of 290W and a 1000 MHz memory clock which represents 16.00 Gbps memory dies. ASUS ROG STRIX Radeon RX 6800 XT Custom Graphics Card Reported Clocks: Average - 2291 / 2289 / 2092 MHz Median - 2373 / 2301 / 2320 MHz Max (Boost) - 2556 / 2394 / 2489 MHz There are also entries spotted by Patrick at 255W TGP which are also listed below: Average - 2298 / 1993 MHz Median - 2357 / 2342 MHz Max (Boost) - 2509 / 2557 MHz The first thing mentioned by the leaker is that the drivers had some issues which are why the clock speeds for the custom AMD Radeon RX 6800 XT graphics card are not as consistent as they should be. The large variances in average clock speeds should be resolved by the time the cards hit the market. Also, the difference between the 255W & 290W TGPs may not look much but it is possible that the higher TGP cards will deliver more overclocking head-room and stable clock speeds. 3DMark 11 isn't something that we should consider a heavy work-load for 2020's graphics cards so more recent applications need to be evaluated before these clock speeds can be represented for the final models. AMD Radeon RX 6800 XT “Big Navi” GPU Alleged 3DMark Benchmarks Leaked – Faster Than GeForce RTX 3080 at 4K, Slower In Port Royal Ray Tracing Once again, the 290W & 255W figures for the AMD Radeon RX 6800 XT graphics are TGPs that AMD basis on GPU and VRAM power alone. It is not the equivalent of NVIDIA's TGP which is the figure for the entire board. Igor had also stated this and a 290W TGP variant should effectively end up with a total board power of around 350-355 Watts. We are more or less getting the custom variants in November if these reports are accurate but the top variants from each AIB can be expected around the end of November or mid-December based on the availability of the Big Navi GPUs for AMD's Radeon RX 6800 XT graphics card. AMD Radeon RX 6800 XT With Navi 21 XT & Radeon RX 6800 With Navi 21 XL GPUs The AMD Radeon RX 6800 series will feature two RDNA 2 based graphics cards, the Navi 21 "Big Navi" based Radeon RX 6800 XT and the Radeon RX 6800. The AMD Radeon RX 6800 XT will come packed with the Navi 21 XT GPU which is a cut-down SKU featuring 72 Compute Units or 4608 SPs. The card will also feature 16 GB of GDDR6 memory across a 256-bit bus interface, a 512 GB/s total bandwidth, and clock speeds of 2015 MHz base and 2250 MHz boost at reference specs. Yesterday, it was reported that the Navi 21 XT could feature TBPs as high as 320W for reference and 355W for custom variants. The AMD Radeon RX 6800 graphics card will feature an even more cut down Navi 21 "Big Navi" GPU with 64 Compute Units of 4096 stream processors. The card will feature the same VRAM config of 16 GB GDDR6 memory, a 256-bit bus interface but it was reported that the card will end up with a slightly lower memory clock of 14 Gbps which will deliver a net bandwidth of 448 GB/s. The GPU is going to feature clock speeds of 1815 MHz game and 2105 MHz boost clocks at reference specs. It was also stated that the AMD Radeon RX 6800 with Navi 21 XL GPU could feature a TBP of 290W at stock clocks.AMD will officially be unveiling its RX 6000 series graphics card family on October 28th. The second half of 2020 would definitely be interesting times for all the hardware enthusiasts and mainstream PC gamers who are looking forward to upgrading their PCs with the best hardware.

Een fietsster is zondagmiddag aangereden door een auto in Noord-Scharwoude. De vrouw is naar het ziekenhuis gebracht. Ze reed met haar elektrische fiets over het fietspad langs de N504 toen een automobiliste vanaf de Voorburggracht de Ovaltonde op wilde rijden. Daarbij kwam de auto met de fietster in botsing.De vrouw ging onderuit en raakte gewond aan haar been. Ze is na de nodige eerste hulp door het ambulancepersoneel naar het ziekenhuis in Alkmaar gebracht.

DUBAI, 25th October, 2020 (WAM) -- The 6th edition of the annual Dubai International Nutrition Congress concluded with a number of recommendations that focused on various topics in the field of nutrition. The three-day event was held under the patronage H.H. Sheikh Hamdan bin Rashid Al Maktoum, Deputy Ruler of Dubai, Minister of Finance and President of the Dubai Health Authority, DHA, from October 22-24, 2020. The event was inaugurated by Humaid Al Qutami, Director-General of the DHA, concluded on Saturday where 35 speakers highlighted the latest research and the best practices in the field of clinical nutrition. The speakers also discuss various topics related to COVID-19, such as the impact of COVID-19 on mental health, the quality of life in the UAE, nutrition amid COVID-19 and assessment of eating habits and lifestyle during the pandemic, to name a few. The congress saw prominent speakers from more than 20 countries discuss various topics, which resulted in a number of recommendations that include: COVID -19 The importance of encouraging UAE residents to adopt a healthy lifestyle in order to reduce risks of COVID-19. Promoting a healthy diet, regular exercise at home, avoiding smoking, and working on mental health must be taken into account to improve the immune system. Emphasis on nutritionists and medical workers to develop a healthy diet with appropriate food alternatives for diabetics. Ensuring that the adequate needs of vitamin D are met for pregnant mothers, children, adolescents, the elderly, whether from its natural source, or from other food sources or nutritional supplements. Nutrition of intensive care patients Setting the basic standards and recommendations for the quality and quantity of protein given to hospitalized intensive care patients, as studies indicate that the timing and amount of protein intake play a major role in determining the mortality rate in critically ill patients. Microbiota Maintaining the presence and activation of the microbiota inside the human body because of its importance in raising the immune system. Promoting foods and medicines, which maintain the activity of such beneficial bacteria in our bodies. Nutrition of newborn children Attention to the health of the child from the first moments of pregnancy and even during the period of preparation for pregnancy, and ensuring that the mother takes all the healthy foods, vitamins and minerals necessary to ensure the health of the fetus, and to avoid many diseases such as osteoporosis of children or malnutrition, iron deficiency and others. Mental health Raising awareness of the important role of physical activity in managing mild to moderate mental health disorders. There may be a need to regulate working hours to reduce the burden on individuals during the current pandemic. Other recommendations included: increasing awareness and nutritional education among the public on the importance of children participating in choosing and preparing healthy eating habits. Encouraging special studies and research in nutritional fields and providing the necessary support from all relevant bodies for this.

A study published in the Journal of Medical Virology says that using nasal rinses and mouthwashes, which directly impact the sites of reception and transmission of human coronaviruses (HCoV), may be able to provide an “additional level of protection”. However, the researchers did not conduct their investigation on the novel coronavirus, and there are no indications the products could prevent Covid-19. While there are hundreds of coronaviruses that cause diseases in animals, till date only seven types have been identified that infect humans. Do mouthwashes, nasal rinses prevent human coronaviruses? The aim of the investigation was to see whether oral and nasal rinses are able to inactivate the virus, considering the nasal and oral cavities are the major entry points for human coronaviruses. It tested a list of products, including Johnson’s Baby Shampoo, Neti Pot, Listerine Antiseptic, Orjael Antiseptic Rinse and Listerine Ultra, on the human coronavirus 229E (more on this below), a common surrogate for SARS-CoV-2. 📣 Follow Express Explained on Telegram What were the results of the study? The researchers found that Johnson’s Baby Shampoo, a nasal rinse, was able to inactivate more than 99 per cent of the virus in one minute, and more than 99.9 per cent in 2 minutes. Significantly, in the case of this product, a contact time of 30 seconds had variable effects. The over-the-counter saline nasal rinse, Neti Pot, had no effect on the infectivity of the virus at any of the incubation times tested by the researchers. In the case of oral rinses too, the researchers tested contact times of 30 seconds, 1 and 2 minutes. Three of the oral rinses, that had H2O2 as their active ingredient, demonstrated similar abilities to inactivate the human coronavirus HCoV 229E. The product Listerine Antiseptic was able to decrease the infectious virus levels by 99.99 per cent. Researchers also noted that all “Listerine-like” (products with similar active and inactive ingredients) mouthwashes and gargles were able to decrease infectious virus titers by greater than 99 per cent. What do the findings mean for Covid-19? The findings do not have implications for the spread of Covid-19, since the researchers did not test the efficacy of mouthwashes and nasal rinses against SARS-CoV-2. This is because it would have been more expensive, the virus is less available and would have required biosafety level-3 laboratory conditions. In the case of Covid-19, there is no evidence that maintaining throat hygiene and practicing gargling regularly can prevent infection. What is HCoV 229E? While there are hundreds of coronaviruses, there are seven that we know can infect humans. Of the seven, two are alpha coronaviruses (229E and NL63) and four are beta coronaviruses (OC43, HKU1, MERS and SARS-CoV). The classification of the viruses is based on their phylogeny, which is to say it reflects how these virus strains evolved from their common ancestors. Essentially, this means, whenever a virus newly emerges, its classification depends on how it relates to other known viruses and if it is distinct enough to be called a new species or if it belongs to an existing species. For instance, SARS-CoV and SARS-CoV-2 are genetically linked. 229E was one of the first coronavirus strains to be described in the mid-60s, possibly by D Hamre and J J Procknow in their 1966 paper titled ‘A new virus isolated from the human respiratory tract’, published in the journal Experimental Biology and Medicine. It is known to cause the common cold. According to the US Centers for Disease Control and Prevention (CDC), people around the world commonly get infected by human coronaviruses, including 229E, NL63, OC43 and HKU1.

Nickname : @Loenex Tag your opponent : @Meh Rez vM ! ♫ Music genre : dance/electronic Number of votes : 8 Tag one leader to post your songs LIST : @Meh Rez vM ! ♫

V1 Nice text

Nickname : @Loenex Tag your opponent : @HiTLeR. Music genre : remix Number of votes : 8 Tag one leader to post your songs LIST : @XZoro™

My vote to DH1 this good song

With Halloween nearly here, Epic Games has infused Fortnite with plenty of spooky flavor. Fortnitemares events task you with completing several season challenges. Some of these are simple challenges you should be able to complete very quickly, while others may require a little more direction and patience. Completing these challenges will award you with additional experience points that you'll need for the Season 4 battle pass. This season has seen a lot of different challenges, and there is a fairly sizable time commitment to complete everything. The Season 4 content is not available on iOS devices because of Epic Games' ongoing lawsuit with Apple. The trial isn't scheduled to begin until well into 2021, so you will be waiting a while if that's your only platform for Fortnite. Below, we've rounded up Fortnitemares challenges you might need help with, as well as how to complete them. There are maps for when to need to reach a certain point--in some cases, it's multiple locations--and we'll let you know what goodies you can get for completing them. One of the Fortnitemares challenges this year tasks you to become a shadow. In this case, that's essentially a ghost. In the Fortnitemares playlist, which has replaced standard battle royale for the moment, you will automatically become a shadow after you die. Do this three times to complete the challenge, and you can kill other players and recharge your health by collecting things like weapons and building materials. You get 40,000 experience points for completing this challenge. For a challenge that essentially has you just playing badly, that isn't too shabby. Here's a challenge that seems a lot more fun than some of the other dangerous Fortnitemares challenges: eat candy. This is a fairly basic challenge, though it can be somewhat random. In order to complete it, you need to find small candy bowls located wherever there are houses. Break one of these open to reveal the candy and eat it. Do this 24 more times and you will complete the challenge. You'll also have a stomachache. Rather than giving you experience, Fortnite will aware you with the Midas Shadow weapon wrap for completing this challenge. This could be one of the challenges to give you a little trouble during Fortnitemares 2020: Ride a witch's broom. Located at a few shacks around the battle royale map, which we've marked above, they're actually inside barrels. Break the barrel, get on the broom, and fly 100 meters to complete it. Your main challenge will just be getting to these locations, as they might be crowded with players doing the same thing.

Global trends in recent times have shown a shift towards a cashless and digital economy, especially as it becomes more obvious that operations in physical branches of commercial banks can be summarily shut down when circumstances demand it. Our focus for this week’s profile is Tayo Oviosu, founder and CEO of a notable payment solutions provider, Pagatech, the startup that blazed the trail for others in the space. Though there are now over 200 fintech players, Paga still holds its ground.Eyitayo David Oviosu was born on September 10, 1977, and acquired both his primary and secondary education in Nigeria. He left for the United States of America in 1994 and bagged his first degree in Electrical Engineering from the University of Southern California in 1998. He later earned a Masters in Business Administration from the Graduate School of Business, Stanford University from 2003 to 2005. Schooling was not a smooth ride for Tayo as he had to work his way through, sometimes keeping as much as 5 jobs in order to stay afloat. He also had hard times with courses like Semiconductor Chip Design, which he admitted was one of his toughest courses, as he hardly aced it despite his love for the subject. READ: Paga acquires Ethiopian-based startup, Apposit, announces other subsidiaries Attempting to break a rock Fresh out of school, he opted to take the same Semiconductor Chip Design as a career option in Biomorphic VLSI, a startup of 8 employees, hoping to get better at it with more practice. The young Tayo worked weekdays and weekends trying to get a hang of the task before him “I was allowed to design a digital imaging chip that got sent to Taiwan for fabrication. I had tested this thing numerous times in the lab; I was confident it was going to work. Then the fabricated chip comes back and it doesn’t work. I was devastated, we spent a lot of money shipping between Los Angeles and Taiwan,” he once recounted. READ: Contracts less than N5 billion will no longer be awarded to foreign firms – FG Having caused the company to spend so much for nothing, he was fired from the job. “I got called into my boss’ office and he told me he had to let me go. I cried right there. This was my first job out of college and barely 3 months in,” he said. Though unhappy at the time, he later came to appreciate how the job loss pointed him in the right career path and pushed him out of a line where he would have continued struggling to keep up. In the subsequent months, he survived on the unemployment benefits he collected from the state of California, before getting a job in a mail-room and then a call center. He eventually got a job as a Software Engineer for another startup in Los Angeles, before he moved to Deloitte Consulting in the CRM and Technology practice as a Senior Consultant. After his MBA, he worked as Manager Corporate Development with Cisco Systems in San Jose California, where he was responsible for strategy, acquisitions, and private equity investments in a few segments and led Cisco’s investment expansion in Africa with investment opportunities. He became Vice President at Travant Capital Partners in Lagos upon his return to Nigeria and remained there till 2009. In 2009, Tayo founded Pagatech as a mobile payments solution focused on digitizing cash amidst new emerging economies. Even while working at the call center, Tayo had always thought that he would return to Nigeria at some point to help make it great again. For Tayo, founding Pagatech was all about addressing two challenges – the excessive use of cash, and limited financial access in Nigeria. He wanted to help Nigerians pay retailers, make purchases, and pay utility bills without having to handle so much money. Such innovation was not common at the time, as Nigeria was still very far from toeing the lines of a cashless economy.Having worked for over a decade, Tayo had saved up some money and had the support of friends, which became instrumental in launching Paga. “I was also creative in terms of how I spent the money. I pooled together people to work in different aspects, most of them friends who were doing it as a favor. Everyone who helped us in the early days got paid below the market rate. Some of them stayed on to work with Paga when we could afford to pay them at market rates,” he recalled.For the first 6 months, Tayo bootstrapped from his personal funds before setting out to raise funds from investors. It was a journey where he first had to show investors how feasible the business idea was before letting them in. Some of the initial investors who took the risk to put their funds in were Goodwell Alitheia Capital, Tayo’s former bosses, both in Nigeria and Los Angeles, and some friends and relatives – the result of lots of goodwill built over the years. Pagatech reached its first 1 million users within 2 years and since then, the number of its users has grown into tens of millions processing billions of dollars in transactions. Pagatech has also partnered with the apex bank (Central Bank of Nigeria) on the Shared Agent Network Expansion Facilities initiative (SANEF) to grow the reach of agents providing financial services to 500,000 in order to ramp up inclusion for all Nigerians. READ: Scaling in Nigeria’s fashion industry is tough work – Ugo Monye Tayo Oviosu has now become an angel investor in other startups. “When I look at my journey so far, I realize that we are here sitting on the back of 34 people and 6 institutions who took a bet on us on. So I similarly want to find ideas to invest in. I don’t have a lot of money but I want to find people who I can make those kinds of investments and bets as well,” he said. He has dreams of dual-listing Paga on the NSE and NASDAQ in the nearest future.

After a gap of 18 months, India’s domestic car market saw the first new model unveiling from Nissan, the smallest Japanese car brand in India. Despite a minuscule presence for several years, Nissan is hoping to make it big with the all-new Magnite. In today’s wrap we take a look at why the Magnite is important for Nissan. However, before that here is a complete look at all the important developments in the auto space this week. Ather Energy cuts prices Ather Energy, the electric two-wheeler startup, has launched a buyback programme for the 450X, guaranteeing a buyback for Rs 85,000 at the end of three years after purchase. The Bengaluru-based company also has a buyback scheme on the 450+, one of its two models available in the market for sale, for Rs 70,000 Nissan Magnite unvieled Nissan Motor Corporation unveiled the new Nissan Magnite on October 21. The Magnite will commercially be launched in January and bookings of the SUV will open in a few weeks. Engineered in Japan, it is the first Nissan car that will be launched first in India before moving to other parts of the world. Prices of the SUV and details of the variants will be revealed at the time of the commercial launch. Kia Sonet has 50,000 bookings, while Mahindra Thar clocks 15,000 bookings The Kia Sonet was launched at an introductory price of Rs 6.71 lakh in August, and the company has just announced that 50,000 bookings have already been made. Mahindra Thar 2020 has bagged over 15,000 bookings in a little over two weeks since its launch on

Lifestyle, the retail brand, has launched a festive campaign titled ‘Dil Se Diwali’ inspired by the joyful feelings that the festival of light ushers in. The campaign takes a leap from 2019, to capture the heart of the celebrations in the context of the recent times where everyone is looking forward to the dress-up and dispel the gloom by celebrating Diwali in their own unique way. The campaign considers all the different ways of celebrations, big or small, encouraging people to spread the brightness and joy in their own way. The campaign consists of two digital films with two-part storytelling, with 2 different Diwali celebrations, accentuated by a memorable song. The films deliver the message of “celebrating the way your heart wishes” in a fresh new way. Watch the films here:

A roundup of some of the most po[CENSORED]r but completely untrue stories and visuals of the week. None of these are legit, even though they were shared widely on social media. The Associated Press checked them out. Here are the facts: Biden did not say transgender children should be able to ‘transition’ CLAIM: Democratic presidential candidate Joe Biden said if your 8-year-old child wants to be transgender to make life easier, “they have a right to transition and there is no reason for you to deny it.” THE FACTS: Social media users are altering comments made by Biden during an Oct. 15 town hall to falsely suggest he supports sex changing medical procedures for young children. Biden said transgender children should not experience discrimination, but he did not say they “have a right to transition.” At the town hall, Pennsylvania voter Mieke Haeck asked Biden how he would reverse actions by the Trump administration that had negatively affected LGBTQ people, including her 8-year-old transgender daughter. Biden responded, “I will flat out just change the law. Every — eliminate those executive orders, number one.” He added, “The idea that an 8-year-old child or a 10-year-old child decides, ‘You know I decided I want to be transgender. That’s what I think I’d like to be. It would make my life a lot easier.’ There should be zero discrimination.” Social media users shared an edited quote distorting his words to say: “If your 8 year old child says they want to be transgender to make life easier … they have a right to transition and there is no reason for you to deny it.” A transcript of the town hall shows Biden never mentioned transitioning or sex changing medical procedures in his response. Biden has outlined a series of policy goals related to the LGBTQ community on his website. Among them, he pledges to protect LGBTQ youth from civil rights violations and harassment in schools. He has also said he would reverse a ban on transgender people serving in the military introduced under President Donald Trump. Biden’s website does not discuss sex changing medical procedures for children. — Associated Press writer Ali Swenson reported from Seattle.

This me :v

i like DH2 is better then DH1

:V

my vote will go to Dh2 is best then dh1 :v

i liked DH2 this better then dh1 .

Back in August, I had the chance to play Little Nightmares II, and in my preview I talked about the uneasy trust between main characters Mono and Six. I theorized it could present a new kind of fear for the series--if you can't fully trust your partner, then you're never really safe. But having now gotten a chance to play another preview of Little Nightmares II, I'm beginning to wonder exactly how much Mono and Six's partnership factors into the game. The new demo takes place in the Hospital environment, which seems to pop up much further into the game than the Forest area seen in the first demo--Six has her trademark yellow raincoat in the Hospital, something she didn't have prior to Mono meeting her in the Forest. Both Mono and Six need to go down an elevator, but it doesn't have power. A nearby panel reveals that they'll need to find two batteries. I can't go through the door on the left because it needs one battery to open, but the door on the right is already ajar. My path is clear. After going down a hallway, Six hoists Mono into the next room. And just like that, she's cut off from me. I can't bring her with me and must face the future horror alone. I was very surprised. The earlier demo contained puzzles and a chase sequence where Mono and Six needed to work together in order to ultimately get away from this freaky Hunter, which seemed to imply that Little Nightmares II would solely focus on brand-new "co-op" puzzles, ones where you had to figure out what both you and your NPC partner had to do in order to solve them. But in this recent demo, I was largely solo. Which, I want to clarify, isn't necessarily a bad thing. I loved the Hospital environment. It's a much spookier segment of the game than the Forest, and one that leaned on its environment and player expectations to create some satisfying swearing-under-your-breath scares. Acquiring your first battery involves climbing onto tables and sliding under benches to outrun and ultimately outsmart a sentient disembodied hand that scurries after you like a predatory spider. With that first battery, you can unlock that door to the left of the elevator, where you're once again separated from Six and thrown into an area filled with mangled mannequins that come to life when the lights turn off. Your only means of stopping them in their tracks is to turn the lights back on or, barring that, shine your flashlight on them. But you can't shine your flashlight on every single one at once and you occasionally need to shine it in front of you so you know where you're going--all the while, the creaking groans of the mannequins can be heard as they shamble after you. It's good stuff (assuming you're like me and the sensation of mounting dread is your thing), but the whole experience left me puzzled as to why Six is even there. Once you do manage to go down the elevator, there's a sequence when that hand comes back, only this time it's brought friends. So while Six tries to pry some planks off the door in front of you so the two of you can continue, you have to pick up a pipe and fight the hands. But here's the thing: Six can't actually remove all the planks without your help. So it's not a moment where you're holding off an unbeatable threat while you're hoping, praying that your partner can hurry up. Until you smash all the hands (killing them, I hope; those things are disgusting), drop the pipe, and help Six pull off the last board, you can't continue. It's a moment that would have played out no differently had I been on my own and just been unable to pry off the boards until I'd defeated the group of enemies. If I left the first demo feeling uneasy about whether Six would stick with me, I walked away from this second demo wondering why I was bothering to keep her around. So my biggest takeaway from this demo is just why. Why is Six here, beyond acting as a connection to the first game? Why is Little Nightmares II a game about two heroes when it plays just fine when you're on your own and occasionally makes you feel like a babysitter when your partner is around? This Hospital segment felt so much scarier, so much more satisfying to overcome in comparison to the Forest arc--and a part of me wonders if that's because I was mostly on my own, which is the case for most horror games. All of this, of course, assumes the Hospital level isn't the exception--the Forest environment could be the norm. But I've now had two very different experiences with Little Nightmares II, and there's no indication as to which serves as the primary gameplay loop. Regardless, I enjoyed what I played, and I'm looking forward to seeing exactly how Little Nightmares II shakes up upon its release, which has been pushed back to next year. The game is currently scheduled to launch on February 11, releasing for Xbox One, PS4, Nintendo Switch, and PC. Xbox Series X|S and PS5 versions will come out sometime in 2021--if you buy Little Nightmares II for Xbox One or PS4, you can