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  • Wednesday, August 17, 2022

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Commonwealth Magazine

Marjorie J. Park Aug 16, 2022
Guarantee Payment

Research: Rating Action: Moody’s Changes to Aa3 Morgan Stanley…

Rent Guarantee

Homebuyers increasingly forgo deals as market downturn bolsters…

Guarantee Bond

Washington is the mortgage financing problem

Guarantee Letter

Boulder should not limit voter access; flood protection needed today;…

Guarantee Payment

How and where to watch She-Hulk in 2022 [Attorney at Law]

Marjorie J. Park Aug 15, 2022
As we learned at San Diego Comic-Con, She-Hulk: Lawyer, released August 18, completes the Disney+ side of things for Phase Four of the Marvel Cinematic Universe. If you've been following Marvel's superhero stable, you might be wondering…
Rent Guarantee

The Moral Failures of the Developmental State

Marjorie J. Park Aug 14, 2022
All politicians in India promise development, but the state apparatus and ruling political factions cause inequality All politicians in India promise development, but the state apparatus and ruling political factions cause…
Guarantee Letter

Government’s obligation to protect the inhabitants of Caroni, a flood zone

Marjorie J. Park Aug 13, 2022
New Darren Bahaw 39 minutes ago Ibis Gardens resident Jerome Moses examines the eroded bank of the Caroni River at Jacobin Drive, Caroni on August 5. To the left is the area where the!-->!-->!-->!-->!-->!-->!-->…
Rent Guarantee

SENESTECH, INC. Management’s Discussion and Analysis of Financial Condition and Results of…

Marjorie J. Park Aug 12, 2022
The following Management's Discussion and Analysis of Financial Condition and Results of Operations should be read in conjunction with our condensed financial statements and related notes. Forward-Looking Statements The statements…
Guarantee Bond

Tips for Managing Retirement in a Financial Downturn

Marjorie J. Park Aug 11, 2022
Most Americans fund their retirement with some confidence: investing will help their savings keep pace with inflation, institutions will continue to function as they always have, and everything will work out eventually.It's hard to sustain…
Guarantee Letter

FDA blasts California firm over multiple GLP issues involving non-clinical studies

Marjorie J. Park Aug 11, 2022
Regulatory news | August 11, 2022 | By Joanne S. Eglovitch The U.S. Food and Drug Administration (FDA) has found a slew of violations of…
Rent Guarantee

How to Succeed on an Indonesian Boat Tour with the Boat Owners Themselves

Marjorie J. Park Aug 10, 2022
Over the past month, you've seen Nathan Florence double in huge green cathedrals at HT's. Or maybe you watched Kelly Slater's hands-free dream squeeze through Kandui's cylinders. The Indonesian archipelago, and the Mentawais in…
Guarantee Bond

Radium Life Tech: The Board of Directors approved the resolution to issue 2022 1st ordinary covered…

Marjorie J. Park Aug 10, 2022
close Provided by: RADIUM LIFE…
Guarantee Letter

Fire escape plan reveals Air New Zealand’s top secret lounge with incredible benefits

Marjorie J. Park Aug 10, 2022
Air New Zealand's exclusive EP1 lounge has remained a closely guarded secret until now. Photo: Supplied The location and incredible benefits of Air New Zealand's top-secret Koru Club - reserved for its…
Rent Guarantee

Rent inflation: Biden forced to lower costs

Marjorie J. Park Aug 9, 2022
Comment this storyCommentThe White House hasn't done enough to tackle rent inflation, says a coalition of tenants' unions, community organizations and legal groups calling on the Biden administration to launch a comprehensive government…
Guarantee Bond

Hulu’s Lakers documentary goes from Jerry Buss to Jeanie

Marjorie J. Park Aug 8, 2022
Comment this storyCommentThis is an excerpt from NBA article by Ben Golliver weekly newsletter. Register to get the latest news & commentary and the best #NBATwitter and R/NBA jinks delivered to your inbox every Monday.LOS ANGELES…
Guarantee Letter

Minister on the guarantee of women’s football: “Not everyone is a fan of this…

Marjorie J. Park Aug 8, 2022
lionesses celebrateThe sports minister appears to have ruled out calls from the Lionesses to ensure every schoolgirl has access to soccer lessons, noting that "not everyone" is a fan of the sport.It comes after the England women's team,…
Rent Guarantee

BBB warning: Online employment and shopping scams typically target students and young adults |…

Marjorie J. Park Aug 7, 2022
During this time of year, students prepare for the upcoming semester and purchase necessary items such as…
Guarantee Letter

Suvendu Adhikari writes to PM on ‘corruption’ in central schemes

Marjorie J. Park Aug 6, 2022
Kolkata, August 6 (IANS): Opposition Leader in West Bengal Assembly, Suvendu Adhikari has written a letter to Prime Minister Narendra!--start>…
Guarantee Bond

The importance of veterinary medicine in public health

Marjorie J. Park Aug 6, 2022
animal treatment is becoming more and more important in terms of its role in relation to public healthCA, including ensuring the health care of animals and their consumer products to avoid future conditions in them and to prevent…
Guarantee Payment

3 Social Security Changes You Probably Didn’t Know About

Marjorie J. Park Aug 6, 2022
…
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‘We have changed and so have restaurants’: Australia’s new dining rules |…

Marjorie J. Park Aug 5, 2022
The question that we, as diners, do not ask ourselves enough is: “Am I being unreasonable?Unfortunately, many reliable old-school restaurants choose to close rather than renew their leases. And can you blame them? Many of these owners…
Guarantee Bond

7 sad movies that will make your dog want to cuddle

Marjorie J. Park Aug 5, 2022
Sometimes we all need a movie that will bring us back to reality, touch our hearts, and even leave a tear rolling down our faces. Movies with dogs are serious tear-jerkers that will make you appreciate the little things in life like…
Guarantee Letter

Before Article 370, Nehru was ‘irritated’ by Sheikh Abdullah interview in Kashmir

Marjorie J. Park Aug 5, 2022
OOn April 17, 1949, Nehru wrote to Sardar Patel about an intelligence report which indicated that the Praja Parishad – a Jammu-based political party affiliated with the Rashtriya Swayamsevak Sangh – was calling for an area plebiscite.…
Guarantee Bond

Bucks County Commissioners Approve Coronavirus Relief Fund Spending Plan | southeast pennsylvania

Marjorie J. Park Aug 3, 2022
DOYLESTOWN, Pa. — At their Wednesday morning meeting, Bucks County commissioners approved the $61,017,041…
Guarantee Payment

NFF must pay me 157 million naira with interest – Rohr

Marjorie J. Park Aug 3, 2022
… after the NFF violated FIFA's 45-day ultimatum Former Super Eagles manager Gernot Rohr told exclusively PUNCH Sports Extra that the Football Association of Nigeria should pay him his unpaid salary with interest…
Rent Guarantee

EQUITY COMMONWEALTH Management’s Discussion and Analysis of Financial Condition and Results of…

Marjorie J. Park Aug 2, 2022
The following discussion should be read in conjunction with our consolidated financial statements and accompanying notes included in this Quarterly Report on Form 10-Q, and in our Annual Report. FORWARD-LOOKING STATEMENTS Some of the…
Guarantee Bond

The 8 essential gadgets that festival-goers need in their backpack

Marjorie J. Park Aug 1, 2022
You might think that gadgets have no place at a festival. You try to shine your phone's torch in the air to your favorite song, but oops - the battery's gone. You stumble back to your tent, tired, ready to snatch a few hours of sleep…
Guarantee Letter

Gas prices and the economy aren’t the only election issues this fall

Marjorie J. Park Aug 1, 2022
I'm a retired senior on a fixed income, so I know the challenges of high inflation on my…
Guarantee Payment

How to Get Cheap Windows 10 for $6.14, Office 2021 for $14.13, and Upgrade to Windows 11 for FREE

Marjorie J. Park Aug 1, 2022
To note: All these keys are legal versions. The low price of these keys is due to the fact that they are usually sold with a PC. This resale practice has been legalized by the European Court of Justice.…
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New Zealand goes from zero COVID to some of the highest infections and deaths in the world: workers…

Marjorie J. Park Aug 1, 2022
The dire situation in New Zealand reinforces the urgent need for workers to fight for a global strategy to eliminate COVID-19. We urge readers to share this statement and contact the Socialist Equality Group to discuss the practical steps…
Guarantee Bond

For multisport athletes, summer is a busy and hectic season

Marjorie J. Park Jul 31, 2022
Nick Laughlin of Cape Elizabeth plays football, lacrosse and hockey in the summer. For high school athletes, who play multiple sports, the summer months can be hectic. Ben McCanna / Personal Photographer Those lazy summer days of…
Guarantee Letter

A love letter to sweet and sour pork

Marjorie J. Park Jul 30, 2022
Even the worst sweet and sour pork is better than no sweet and sour pork, writes Sharon Lam. I have eaten a lot of sweet and sour pork in my life. I ate it homemade for my 8th, 11th, 16th and 20th birthdays. I've eaten it in Chinese…
Guarantee Payment

abrdn US Closed-end Funds An

Marjorie J. Park Jul 30, 2022
abrdn Global Infrastructure Income Fund ("ASGI")abrdn Asia-Pacific Income Fund, Inc. ("FAX")PHILADELPHIA, PA/ACCESSWIRE/July 29, 2022/ The above stated abrdn US Closed-End Funds (the "Funds" or individually the "Fund"), today announced that…
Rent Guarantee

Sweet white sand beach and water zone

Marjorie J. Park Jul 29, 2022
The new Shores of Asbury water park in Anderson, SC is the only one of its kind upstate and less than an hour from Greenville, SC. We checked it out and have all the information for you and your family to have fun on this floating…
Guarantee Bond

Gastonia police release video of US Army veteran’s arrest

Marjorie J. Park Jul 29, 2022
Hours of body camera footage released Thursday by the Gastonia Police Department shows a then-homeless veteran's interactions with Gastonia police before, during and after his arrest.The footage released by police spans two days - October 9…
Guarantee Letter

Free birth control guaranteed by federal law, says Biden administration

Marjorie J. Park Jul 28, 2022
The Biden administration issued guidelines Thursday reiterating that free birth control is guaranteed under the Affordable Care Act regardless of what state a person might be living in.Driving the news: The Departments of Health and Human…
Guarantee Payment

Why should you use a paid subscription for VPN? – Search for snipers

Marjorie J. Park Jul 28, 2022
Do you value your privacy on the Internet? Then you should use the services of a reliable VPN provider. But is it a good idea to rely on a free virtual private network company? Let's see why paying for a VPN is recommended.…
Rent Guarantee

A definitive answer to the eternal question: at what temperature should the thermostat be set? And…

Marjorie J. Park Jul 28, 2022
We know of several vision businesses that have been very successful with display campaigns, but you have to be careful; it is not an easy medium to master. By their nature, billboards target a broad customer base - the general public.…
Guarantee Bond

Cabinet Approves Relaunch of BSNL and Merger of BBNL, BSNL

Marjorie J. Park Jul 27, 2022
The Union Cabinet on Wednesday approved a Rs 1,64,000 crore stimulus package for loss-making public telecom operator Bharat Sanchar Nigam Limited (BSNL). Therefore, the Cabinet also approved the merger of BSNL and BBNL (Bharat Broadband…
Guarantee Letter

Halo Announces Termination of Previously Announced Letter of Intent with PhytoCann

Marjorie J. Park Jul 27, 2022
Provides an update on KushBarTORONTO, July 26, 2022 /CNW/ - Halo Collective Inc. ("Halo" or the "Company") (NEO: HALO) (OTCQX: HCANF) (Germany: A9KN) today announced the expiration of the letter of intent previously announced by Halo to…
Guarantee Bond

Don’t be afraid of Italexit. It will not happen.

Marjorie J. Park Jul 25, 2022
Comment this storyCommentThere's a lot to worry about in the wake of yet another government collapse in Rome - but please, let's remove Italexit from the list for good.The concept is familiar to investors: at a time of political tension,…
Guarantee Letter

FDA warns businesses across the US of import violations

Marjorie J. Park Jul 25, 2022
As part of its enforcement activities, the Food and Drug Administration issues warning letters to entities under its jurisdiction. Some letters are not displayed to the public until weeks or months after they are sent. Business owners…
Rent Guarantee

3 high-yielding REITs for your retirement

Marjorie J. Park Jul 24, 2022
Torsten AsmusAfter writing about Seeking Alpha for over a decade, I sometimes take it for granted that everyone has saved up for retirement. I recently read a investigation which revealed that "23% of Americans have no savings for…
Guarantee Bond

“Buy low, sell high” is harder than it looks – Twin Cities

Marjorie J. Park Jul 23, 2022
Over the past few months, there have been many days when the financial markets have risen or fallen by 1% or 2%. This level of market volatility often attracts people trying to time the market – to guess when a new high or low is hit, then…
Guarantee Letter

Hungary to return to ERC if they fix key issues – DirtFish

Marjorie J. Park Jul 23, 2022
This means that Rally Hungary is too important nationally to simply throw in the towel. If they succeed, they will come back next year. A letter of intent has already been signed between HUMDA, the body responsible for promoting…
Guarantee Payment

Italian companies take advantage of digital loans and the PropTech wave

Marjorie J. Park Jul 22, 2022
With a generally healthy FinTech ecosystem, Italy is particularly prominent in the areas of digital lending and PropTech. Where the two converge, a thriving community of startups has emerged in the country, developing crowdfunding…
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One of two new ferries to Gabriola Island shelved Thursday due to staff shortages

Marjorie J. Park Jul 22, 2022
It's unclear how long the staffing uncertainty will persist. Eighteen sailings between Nanaimo and Gabriola Island were canceled Thursday due to BC Ferries' continued crew shortages. Island Gwawis did not operate on Thursday,…
Guarantee Bond

Research: Rating Action: Moody’s Assigns Aaa to 778 Myrtle Residences SPE, Inc. Social…

Marjorie J. Park Jul 21, 2022
No related data. © 2022 Moody's Corporation, Moody's Investors Service, Inc., Moody's Analytics, Inc.…
Guarantee Letter

Response to the government document “Supporting R&D and collaborative research beyond European…

Marjorie J. Park Jul 21, 2022
Earlier this week, alongside the Royal Society of Biology and Institute of Physics, we sent a joint letter to Chancellor of the Exchequer, Nadhim Zahawi MP and Secretary of State for BEIS, Kwasi Kwarteng MP urging the…
Guarantee Payment

The real estate crisis traps China in a paradoxical market

Marjorie J. Park Jul 21, 2022
Comment this storyCommentHere is a scenario. You buy a pre-construction apartment and start paying the mortgage before it's finished. The developer stops the project, has defaulted on its debt and it seems that the property will never be…
Rent Guarantee

Putin signals pipeline will resume at reduced levels

Marjorie J. Park Jul 20, 2022
When the main natural gas artery between Russia and Germany, the Nord Stream 1 gas pipeline, was taken out of service last week for 10 days of scheduled maintenance, European leaders began to prepare for the possibility that the President…
Guarantee Bond

Ninja Foodie cookware sets with 10 years. guaranteed now up to $80 off from $230

Marjorie J. Park Jul 19, 2022
Amazon now offers the Ninja C39900 Foodi NeverStick Premium 16-Piece Cookware Set for $449.99 shipped. Regularly $530 is $80 off the going price, matching both our previous mention and the lowest price we tracked on Amazon outside…
Guarantee Letter

SILVERTON METALS ENTERS LETTER OF INTENT TO ACQUIRE LITHIUM PROPERTIES

Marjorie J. Park Jul 19, 2022
The Peny property is located approximately 25 kilometers northeast of the town of Snow Lake, Manitoba. The Peny property is prospective for pegmatite-style lithium volcanic massive sulphide ("VMS") mineralization that is known to occur in…
Guarantee Payment

Don’t buy until you read this Does it really work?

Marjorie J. Park Jul 19, 2022
Kerassentials is a natural supplement for skin and nails from powerful local components. Our busy lives make it difficult to take care of our nails. Nail fungus can be caused by poor hygiene, diabetes, excessive sweating, nail injuries,…
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Should you renovate your apartment? | Immovable

Marjorie J. Park Jul 18, 2022
Most renters are unwilling to spend a dime on apartment renovations because they don't own the property, but there are ways to personalize your space without breaking the tenancy agreement. Homeowners have much more leeway when it comes to…
Guarantee Bond

HDFC Bank, Oberoi Realty, Jindal Steel & Power and others

Marjorie J. Park Jul 18, 2022
The market snapped a four-day losing streak and closed with gains of seven tenths of a percent on July 15, helped by positive global indices. Stocks in the automotive group, financial services, consumer staples and HDFC supported the…
Guarantee Letter

Sri Lanka crisis live updates: Sri Lanka lowers fuel prices for the first time since February

Marjorie J. Park Jul 17, 2022
Indian Deputy High Commissioner Vinod K Jacob on Saturday handed over dry rations worth SLR 80 million to the Probation and Child Care Department of Sri Lanka. Just over a month ago, the Sri Lankan government told its Olympic association to…
Guarantee Payment

Mortgage rates are rising, but you still shouldn’t buy a house with cash. here’s why

Marjorie J. Park Jul 17, 2022
…
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When Movie Artwork Was Awesome

Marjorie J. Park Jul 16, 2022
Tom Jolliffe looks at the heyday of film illustrations (and their subsequent decline)… Making a film is a long-term process. From those first scribbled notes that slowly evolve into script, through preparation, production and…
Guarantee Bond

Federated Hermes: Stay tuned, stay nimble

Marjorie J. Park Jul 16, 2022
Views are as of the date above and are subject to change based on market conditions and other factors. These views should not be construed as a recommendation for any specific security or…
Guarantee Letter

Glory Days: Bruce Springsteen brings the E Street Band to Buffalo in 2023 | Concert corner

Marjorie J. Park Jul 16, 2022
BUFFALO – The Boss arrives in Buffalo.Bruce Springsteen and The E Street Band hit the road in 2023 for their…
Guarantee Payment

SENMIAO TECHNOLOGY LTD Management Report and Analysis of Financial Condition and Results of…

Marjorie J. Park Jul 15, 2022
The following discussion and analysis of our results of operations and financial condition should be read together with our consolidated financial statements and the notes thereto and other financial information, which are included…
Rent Guarantee

More Than a Chance in Hell: The Casey’s New Orleans Snowballs Story: Considering the local…

Marjorie J. Park Jul 15, 2022
Mars Chapman, owner of Casey's New Orleans Snowballs (Photo by Jana Birchum)…
Guarantee Letter

The Friends Experience is finally in Toronto (PHOTOS)

Marjorie J. Park Jul 14, 2022
If you are a big Friends fan who can't stop watching the reruns on TV, here's something we guarantee you've never seen before: Friends Experience: The One in Toronto,” which opens Thursday, July 14, will likely still be your favorite. The…
Rent Guarantee

Cryptocurrency: the perfect way to earn money while sleeping

Marjorie J. Park Jul 13, 2022
It's great that you have a steady paycheck from your 9 to 5 job. But you know deep down that you've always wanted more. More money is needed. More freedom. More adaptability. As a result, you determine that it's finally time to…
Guarantee Bond

Boris Johnson resigns: what’s next for the markets?

Marjorie J. Park Jul 12, 2022
FotografiaBasica David Zahn, CFA, FRM, Head of European Fixed Income, Franklin Templeton Fixed Income Our Head of European Fixed Income, David Zahn, looks at the implications for the market of the resignation of British Prime Minister…
Guarantee Letter

Jujhar Group unveils its new brand identity

Marjorie J. Park Jul 12, 2022
Jujhar Group has unveiled its new brand identity after more than 30 years in business across a wide range of businesses. The…
Guarantee Payment

Bitcoin and guns | An official journal of the NRA

Marjorie J. Park Jul 11, 2022
Cryptocurrency is more popular than ever and its footprint in the gun industry is growing day by day. It's a sea change from the traditional payment for firearms, ammunition and accessories, a change driven in…
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Form 8-K CTO Realty Growth, Inc. Due: Jul 08

Marjorie J. Park Jul 11, 2022
CTO REALTY GROWTH, INC.UNAUDITED PRO FORMA CONSOLIDATED FINANCIAL STATEMENTSNOTE 1. BASIS OF PRESENTATIONThe unaudited pro forma consolidated balance sheet as at March 31, 2022, the unaudited pro forma consolidated income statement for the…
Guarantee Bond

Wirecard falsified customer details to secure €900m investment from SoftBank

Marjorie J. Park Jul 10, 2022
Wirecard falsified customer data and lied about internal records to secure a €900 million investment from SoftBank that was seen as a vote of confidence in the German payments group after the Financial Times began raising concerns.…
Guarantee Letter

As the BA.5 variant spreads, the risk of covid reinfection increases

Marjorie J. Park Jul 10, 2022
Comment this storyCommentOpenThis article is open access.Why?America has decided the pandemic is over. The coronavirus has other ideas.The latest offshoot of omicron, BA.5, has quickly become dominant in the United States and, thanks to…
Guarantee Payment

Do you have something to hide? Try “sweeping it under the rug”

Marjorie J. Park Jul 9, 2022
And now, Words and their stories, from VOA Learn English. On today's show, we're going home! We are talking about a common object which gives us some useful expressions. This object is a rug. Carpets are floor coverings that serve…
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Is Omega Healthcare Stock’s Big Dividend Safe? (NYSE: IHO)

Marjorie J. Park Jul 9, 2022
Makhbubakhon Ismatova/iStock via Getty Images Omega Healthcare Investors, Inc. (NYSE: IHO) is known for its mouth-watering dividend yield of over 9% which it managed to maintain and even grow for decades, notably during the Great…
Guarantee Bond

Employment report: growth remains solid in June

Marjorie J. Park Jul 8, 2022
From Data delayed by at least 15 minutes Source: FactSet Stocks wobbled and bond yields rose on Friday after the government's jobs report showed a!-->!-->!--span>!-->!-- ====================================================== THIS>…
Guarantee Letter

Lawyers urged to stop advising clients to pay ransomware demands

Marjorie J. Park Jul 8, 2022
The legal profession has been urged to stop advising clients to pay ransomware demands in a joint letter released today by the National Cyber ​​Security Center (NCSC) and the Kingdom's Information Commissioner's Office (ICO). -United. The…
Rent Guarantee

Should I take out a student loan?

Marjorie J. Park Jul 7, 2022
Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as "Credible", is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders who pay us…
Guarantee Payment

FDA Accepts BLA and Grants Priority Review for Lecanemab for Treatment of Early-onset…

Marjorie J. Park Jul 6, 2022
STOCKHOLM, July 6, 2022 /PRNewswire/ -- BioArctic AB's (ad) (Nasdaq Stockholm: BIOA B) Partner Eisai today announced that the U.S. Food and Drug Administration (FDA) has accepted the Biologics License Application (BLA) under the accelerated…
Rent Guarantee

Record trade costs driving up prices, eroding operator and consumer confidence

Marjorie J. Park Jul 5, 2022
Small businesses are grappling with record costs while trying to stay competitive, as consumer confidence plummets in response to rising inflation and interest rates.Key points:Inputs, labor costs and consumer prices hit record highs Firms…
Guarantee Letter

Armenia’s Attorney General wants to monitor internet content

Marjorie J. Park Jul 4, 2022
PGO officials say the new rules will only monitor "banned" content. Others argue that they can be used to restrict free speech. Armenian Attorney General Artur Davtyan, in a letter to the government today, proposes that various state…
Guarantee Bond

Almost empty immigration detention center in California

Marjorie J. Park Jul 4, 2022
A sprawling, private detention center in the windswept California desert town of Adelanto could house nearly 2,000 migrants facing deportation. These days, however, it's nearly empty.The Adelanto facility is an extreme example of how the…
Guarantee Payment

Student loans: red, white and blue

Marjorie J. Park Jul 4, 2022
President Joe Biden (Photo by Alex Wong/Getty Images) Getty Images If you have student loans, you may encounter red, white, and blue. Here's what you need to know. Student loans If you have student loans, you may be…
Guarantee Payment

Bad credit? You can buy a house, but is it a good idea?

Marjorie J. Park Jul 2, 2022
If you are applying for a mortgage, lenders will look at your credit score. If you have bad credit, they may deny you a loan entirely. Or they may charge you a higher interest rate if they are willing to let you borrow at all. This can…
Rent Guarantee

Australia: Labor government introduces onerous new social demands

Marjorie J. Park Jul 2, 2022
Additional onerous new requirements for the unemployed came into effect with the new financial year. The imposition of the punitive regime by the new Labor Federal Government further highlights how quickly its false election promises of a…
Rent Guarantee

UK government launches formal review of short-term rental market

Marjorie J. Park Jun 29, 2022
United Kingdom: The UK Government has announced the launch of a review of the impact of short-term holiday rentals on popular tourist destinations in England to better understand the opportunities and challenges presented to consumers…
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