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Analysis: First estimates of UK equality ruling costs emerge

first_imgThe GMP relates to compensation paid to scheme members in relation to state pension reform. It took years for the courts to decide whether the payments – which are based on the state pension but paid by individual schemes – were subject to EU equality rules.Counting the cost Dixons Carphone, owner of the Currys PC World chain, estimated a £15m GMP equalisation billDefence technology company QinetiQ said in its interim results statement, published on 15 November, that it anticipated GMP equalisation would “increase liabilities by approximately 1-4% of the scheme’s gross liabilities”.As of 31 March 2018, QinetiQ’s UK defined benefit (DB) schemes had combined liabilities of £1.7bn, meaning GMP equalisation could push up its obligations by roughly £17m-£67m.Compass Group, a hospitality services firm, estimated the cost at 1-2% of its £2.4bn of liabilities.“The effects of the [GMP] ruling will be recognised in the next financial year when the obligation to amend the plan’s benefits has arisen,” the company said in its annual report, published on 17 December.In its half-year report from 21 November, chemicals company Johnson Matthey stated: “As there are still a number of uncertainties with respect to the period over which the benefits should be equalised, the group cannot provide a definitive estimate of the income statement impact at this date, although the amount may be up to £30m.”As of 31 March 2018, Johnson Matthey’s DB pension liabilities amounted to £1.8bn.Increasing deficits Transport firm Stagecoach predicted a £24.2m increase in liabilitiesWhile the above three schemes were all in surplus according to their latest figures, other sponsoring employers to have estimated the impact of GMP equalisation faced adding to their DB pension shortfalls.Dixons Carphone, which runs a chain of high street technology retailers, put its estimated GMP cost at £18m. However, according to its 2018 annual report, its DB scheme was just 70% funded with a deficit of £470m, as of 28 April.Transport group Stagecoach estimated its GMP equalisation cost at £24.2m.“We have worked with our actuarial advisers to understand the implications of the judgement for the schemes in which the group participates and the £24.2m pre-tax exceptional expense reflects our best estimate of the effect on our reported pension liabilities,” the company said in its half-year report on 5 December.As well as having its own UK pension fund, Stagecoach participates in the Railways Pension Scheme and the Local Government Pension Scheme.DS Smith, a packaging provider, predicted a £15m cost, equivalent to roughly 1.5% of its DB liabilities. De La Rue, printer of UK banknotes and passports, said it believed GMP payment changes would cost roughly £2m (0.2% of liabilities), while Pennon, a water and waste management company, estimated a £4m cost (0.4%).Other employers have warned investors of potential increases to DB obligations, but have yet to publish estimated costs.Further readingInsurers ‘may have to restructure de-risking deals’ after GMP rulingUK schemes in race against time to deal with GMP rulingcenter_img UK companies have begun to report the estimated impact of October’s pension payment equality ruling on their liabilities.In interim or half-year reports published in November and December 2018, a handful of listed firms estimated that the landmark ruling would raise liabilities by between 0.2% and 1.9%.Since October’s ruling, eight UK listed companies with combined pension liabilities of more than £14bn (€15.5bn) have reported the estimated impact of GMP “equalisation” on their schemes, IPE research has found. The figures are preliminary and will be confirmed later this year once full calculations have been completed.The UK High Court ruled in October that “guaranteed minimum pension” (GMP) payments accrued between 1990 and 1997 must apply equally to men and women, meaning schemes faced having to revisit 30 years’ worth of records and potentially pay billions to members who missed out.last_img read more

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​ATP’s geared portfolio dives 9% in last quarter of 2018

first_imgBo Foged, acting CEO, ATPFoged said that since ATP had enjoyed high returns in recent years, it was to be expected that these could not continue.“But our long-term investment horizon and balanced risk approach provide a solid foundation for preserving the real value of our members’ pensions, although we expect returns to be moderate in the coming years,” Foged said.At the end of October, ATP reported that it had made a 5.8% return on the investment portfolio in the first nine months of the year. However, in the fourth quarter, ATP’s annual results showed this return was wiped out by a DKK9.1bn loss.However guaranteed benefits – or the hedging portfolio – grew to DKK693bn, from DKK651bn at the end of 2017. ATP’s total assets therefore rose to DKK785bn, from DKK769bn.Leverage increasedATP increases the firepower of its investment portfolio by borrowing assets from the hedging portfolio at market rates, as well as by using derivatives.This meant that, at the end of 2018, the portfolio had a market value of DKK307.5bn – 3.34 times its actual value in ATP’s accounts of DKK92bn.Hyldahl told IPE at the end of August that the portfolio’s gearing had been around 200% two years ago.With its current high leverage, the investment portfolio return figure is not comparable to overall investment returns published by most other Danish pension funds.According to the Danish FSA’s key “N1” investment return figure, which allows comparability between pension fund results, ATP made a 3.7% return in 2018, up from 2.5% in 2017. Denmark’s biggest pension fund lost nearly a tenth of the value of its investment portfolio in the last quarter of 2018, setting it up for a calendar year investment loss of 3.2%.ATP, the country’s giant statutory pension fund, reported that the investment portfolio’s value fell to DKK92bn (€12.3bn) at the end of December, compared to DKK118bn a year earlier.The investment portfolio consists of ATP’s bonus reserves, whereas the bulk of the DKK785bn pension fund’s money is contained in its hedging portfolio, designed to guarantee its pension promises.ATP recorded an overall DKK25bn loss during the year, mostly because of a DKK20bn adjustment it made at the end of June to cover the impact of a change in its longevity assumptions. Bo Foged, who has been acting CEO since Christian Hyldahl resigned in November, said: “After several years of stable, positive returns, the financial markets, especially towards the end of 2018, were marked by negative returns in the global equity markets and rising interest rates in the US.”Listed international equities and inflation-related instruments were the two biggest detractors from investment profits in 2018, losing DKK6.6bn and DKK5.4bn respectively.Government and mortgage bonds, however, posted a DKK3.6bn profit during the year. Private equity generated DKK3bn and real estate and infrastructure jointly added DKK4.8bn to the pot.last_img read more

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LEGALISING ABORTION: Which MPs voted most consistently for life, science & biology?

first_imgIt appears that the majority of MPs who supported legalising abortion and removing any legal recognition of the unborn child also wanted an extreme radical abortion law that has very little restriction.Sadly, they got their way,And our children, women & families (and society) will suffer for it. When the abortion bill was looking likely to pass (as was always likely with the current parliament that we have), attempts were made by pro-life MPs during the Committee stage to ‘soften’ the harms of the bill and to take the extreme aspects away from this flawed bill.Below is a record of how the MPs voted on the key votes that happened during the abortion debate – including the final vote. As you will see, most pro-abortion MPs voted against all and any attempts to have provisions included in the law relating to foetal pain, born alive abortions, parental notification and late-term abortions, amongst others.It is also disturbing to note that some MPs eventually opposed the bill, but also opposed any attempts to remove the extreme elements of this already-dangerous bill.The proposed amendments that were all defeated (and are recorded in our voting record sheet in order of the list below) were:* BORN ALIVE: requirement that a qualified health practitioner who performed an abortion that results in the birth of a child after an attempted abortion has a duty to provide the child with appropriate medical care and treatment, no different than the duty owed to provide medical care and treatment to any other child born. Because of international experience here, here and here, it was vital to have an express provision in the abortion legislation to reinforce this obligation.* SEX SELECTION: explicit ban on sex selection abortions which do happen both here and and overseas* DISABILITY: explicit ban on disability discrimination abortions* PARENTS: parental involvement – abortion for minors treated like other health procedures. In all other health contexts, the health practitioner is required to assess the child’s capacity prior to a medical procedure and, where capacity is lacking, obtain the consent of a parent or guardian. Why can parents be deliberately excluded from this procedure?* FOETAL PAIN: requirement for abortion procedures post-20 week to ensure that foetus does not feel pain (as per the Animal Welfare Act which requires vets to ensure that animals don’t feel pain!)* LATE TERM: abortions post-20 weeks only for extreme circumstances* CONSCIENCE: keeping conscientious objection standards the same as they currently are (the bill currently weakens the protections)* REFERENDUM: a referendum so that we all get a say on this crucial issue, similar to euthanasiaclick on the charts below to see the full voting recordlast_img read more

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12 Foods You’re Eating Wrong

first_img Share 135 Views   no discussions Share Sharing is caring! Tweetcenter_img HealthLifestyle 12 Foods You’re Eating Wrong by: – October 10, 2014 TOMATOESWrong: Though tomatoes are delicious with a sprinkle of salt and some balsamic, eating them raw is actually not your best bet.Right: Cook them. Adding heat and oil to tomatoes makes it easier for your body to absorb lycopene, according to research from Harvard University. And a 2011 study published in the American Journal of Lifestyle Medicine found that lycopene helps reduce the risk of stroke, certain cancers, and heart disease.CARROTSWrong: Many people eat these veggies raw, either for dunking purposes or in salads.Right: Research from Columbia University published in the journal Cancer Epidemiology, Biomarkers & Prevention found that cooking carrots increases the bioavailability of carotenoids—they boost your immune system and heart health and decrease your risk of disease, especially certain cancers and eye disease—so your body is then better able to absorb those important nutrients. TEAWrong: You may do as the Brits do and add milk to it. Or if you’re drinking green tea, you may add sugar.Right: Skip the milk. A 2013 study published in the European Journal of Clinical Nutrition found that doing so actually takes away from the cardiovascular benefits that tea provides. And if you’re going green, forget the sugar—it sounds odd, but add a bit of juice to sweeten it up instead. According to a study from Purdue University, the vitamin C in juice may make the nutrients in green tea easier to absorb.GARLICWrong: Perhaps you sauté an entire clove of garlic, or cut it up into bite-size chunks to sprinkle on meals.Right: It’s better to crush garlic first, then let it sit for 10 minutes, according to a study from the Journal of Agricultural and Food Chemistry. Why? That allows enough time for allicin, an enzyme that’s been shown to help reduce the risk of cardiovascular disease by improving blood flow, to be released.APPLES AND PEARSWrong: Chances are, you probably eat these fruits before they’re totally ripe. For apples, that means they’re not brown in any way, and for pears, that they’re still hard.Right: Wait another few days. One Austrian study found that the ripening process allowed apples’ and pears’ chlorophyll to break down better, which, in turn, produced more “highly active”—and thus healthier—antioxidants in the fruits.POTATOESWrong: You choose white potatoes, and either mash, bake, or eat them in French fry form.Right: Skip white potatoes altogether, and go for purple ones instead. According to a 2012 study published in the Journal of Agricultural and Food Chemistry, they lower blood pressure and reduce the risk of cancer. But whatever type of potato you eat, be sure to keep the skin on—that’s where the fiber is.SQUASHWrong: People often peel the skin off, unaware that it’s actually edible.Right:Roast squash or mash it up with the skin on, says registered dietitian Lisa Young, Ph.D., author of The Portion Teller Plan. That’s where the fiber lies. BROCCOLIWrong: Most people cook the vegetable in a pot of water.Right: Steam your broccoli in a pot rather than cooking it in H2O. This preserves more of its vitamin C, says Young. Why? Vitamin C is very sensitive to destruction and oxidation from air, light, and water, so cooking a food containing it allows water to “pull out” the nutrient. However, vitamin C isn’t as sensitive to steam.ORANGESWrong: You cut an orange into slices, then leave them in a bowl in your fridge.Right: Always be sure to cover sliced-up oranges, whether you store them in a Tupperware container or put them in a bowl with tin foil over them. Limiting exposure to air and light ensures less vitamin C is lost, says Young.OATMEALWrong: Chances are, you make your oatmeal with water and sweeten it with a little bit of brown sugar.Right: Fix it with milk instead of water, says registered dietitian Keri Gans, author of The Small Change Diet. The protein—about 8 percent of your RDA in half a cup—helps fill you up. And rather than topping with sugar, add berries and slivered-up almonds. Unlike sugar, which can make you hungry sooner, both contain filling fiber.Msnhealthyliving Sharelast_img read more

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DAVID AND GOLIATH: US and Antigua still at odds over internet gaming

first_imgST JOHN’S, Antigua, CMC – The Antigua and Barbuda government has expressed disappointment at the decision by United States authorities to arrest and indict a number of individuals engaged in on line internet gaming.Finance and Economy Minister Harold Lovell described the indictments as the latest efforts by Washington to shut off competition in remote gaming in violation of international law.“I am concerned that at this point in time United States authorities continue to prosecute non-domestic suppliers of remote gaming services in clear contravention of International law.“I am not aware of any other situation where a member of the World Trade Organisation (WTO) has subjected persons to criminal prosecution under circumstances where the WTO has expressly ruled that to do so is in breach of an International treaty,” Lovell said.The two countries are at loggerheads over the issue of internet on line gaming with St. John’s seeking to recover millions of dollars in lost revenue based on a WTO ruling that Washington has not yet fully accepted. “The WTO ruled that these kinds of laws criminalizing the provision of remote gaming services are contrary to the obligations of the United States under the WTO agreements,” said Antigua’s legal counsel in the WTO matter, Mark Mendel.“The United States, being a very heavy user of the WTO rules to its own benefit, simply cannot continue to prosecute persons for engaging in legitimate International commerce,” said Mendel.He said there have been recent initiatives to authorise remote gaming in various American states and the proliferation of state sanctioned gambling in America generally.“What the United States has attempted to cloak as a moral issue is now clearly nothing but economic protectionism at its worst. Rather than engaging with Antigua and the world gaming community to reach a reasonable accommodation on this relatively new but now globalised form of economic commerce, the United States has instead determined to protect its domestic gaming interests regardless of International legal obligations.“This is very hard to reconcile not only with its pronouncements regarding the imperative of other countries to strictly observe their WTO trade obligations but also with stated official United States government policy of adherence to the rule of law.”A government statement said that having won a hard-fought dispute at the WTO against the United States some years ago over laws criminalizing the provision of remote gaming services to American consumers, “Antigua has spent considerable time and effort trying to reach a compromise with American authorities that would recognise the legitimacy conferred by the WTO judgement with respect to Antiguan remote gaming services, while addressing any material concerns United States authorities might have with respect to the provision of these services from abroad.“Last weeks’ indictments and other recent developments would seem to indicate that the United States is still unwilling or unable to tackle the issue of offshore remote gaming services in a mature and legally compliant fashion.”Lovell said that in light of these developments “we are examining all of the options we have against the United States as a result of the WTO decision.“We are confident that the WTO rulings have significant strength and we are now looking into ways to capitalise on that in order to achieve our objectives,” Lovell said.Mendel said that “given the time that has been spent by the Antiguan government on sincere attempts to negotiate a reasonable settlement with the United States, and the very meagre results that have come of those discussions, it might be time for Antigua to go back to the WTO and compel American compliance with the rulings that this very small country fought so hard for and deserves to see implemented.” Share Tweet Share Sharing is caring!center_img Share 12 Views   no discussions NewsRegional DAVID AND GOLIATH: US and Antigua still at odds over internet gaming by: – April 21, 2011last_img read more

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Coe: World Athletics Championships could move to 2022

first_img Promoted ContentBirds Enjoy Living In A Gallery Space Created For Them9 Facts You Should Know Before Getting A TattooBest & Worst Celebrity Endorsed Games Ever MadeIs This The Most Delicious Food In The World?14 Hilarious Comics Made By Women You Need To Follow Right NowWho Is The Most Powerful Woman On Earth?Revealed: 6 Hidden Secrets Of The Great Wall Of China6 Extreme Facts About Hurricanes10 Phones That Can Easily Fit In The Smallest Pocket6 Ridiculous Health Myths That Are Actually TrueInsane 3D Spraying Skills Turn In Incredible Street Art10 Risky Jobs Some Women Do Loading… Earlier this week, Japanese Prime Minister Shinzo Abe and International Olympic Committee President Thomas Bach agreed to push back the Summer Olympic Games, with the IOC Board approving it on grounds of safeguarding the health and safety of athletes. In a statement earlier this week, World Athletics said it was already working to “ensure that Oregon is able to host the World Athletics Championships on alternative dates, should that prove necessary.” Coe, the chairman of the 2012 London Olympic Organising Committee, expressed his support for the decision to push back the Tokyo Olympics, saying, “It was not an easy decision,” adding everyone did what they could do at every level. “No decisions will be made until we see the Tokyo dates,” Coe said from his home in London. Asked his opinion on possibly holding the Tokyo Olympics outside the summer months, Coe said, “I don’t want to speculate on that. Because the meeting, the conference call that took place with the IOC yesterday, had all the International Federations on board and we all agreed those conversations will remain private.” Some international sports federations have suggested holding the Games in spring as a means to avoid the sweltering Tokyo summer. However Coe indicated the view World Athletics have on the spring/summer question when he responded to a suggestion by Spanish paper Marca that never in history have there been good track and field performances in April and May. Coe responded with a single sentence: “I wouldn’t disagree with you.” On the idea of moving the marathon back to the capital from Sapporo should the Olympics be held at a cooler time, which Tokyo Governor Yuriko Koike endorsed, Coe also answered that it is “very early to start speculating.” Since concerns over uncertainty in the qualification status of athletes emerged following the announcement of the delay of the Olympics, Coe said in addressing the issue, “A large number of athletes are already qualified and if they are qualified, they remain qualified.” Read Also:New date for Tokyo Olympics ‘won’t satisfy everybody’, says Coe For athletes who have not qualified for the Olympic Games, “a fair process” will be provided, he said, stressing the importance of transparency in the process at the same time. He added: “As of today, all athletes who have met the entry standards for their event will remain qualified for the Tokyo Olympic Games in 2021.” FacebookTwitterWhatsAppEmail分享 center_img World Athletics Championships could be moved from next year to 2022 to accommodate the rearranged Tokyo Olympics and Paralympics, according to World Athletics President Sebastian Coe. IAAF President Sebastian Coe Coe said that his sport’s flagship Championships, due to take place in Oregon from August 6 to 15, could be moved from 2021 to give space to the Tokyo Games, which have been postponed for up to a year amid the coronavirus pandemic. “Nobody saw this problem (with the virus)…so the flexibility here is very important,” Coe told Japanese media in a teleconference. Should the biennial Championships be postponed for a year, he said it would still be possible to “have a 2022 and 2023 Championships back to back,” although he added that was a matter of speculation at this point. Speaking in a later teleconference with African and European media, Coe accepted that a delay of a year could mean more Russian athletes taking part in the next Olympics and Paralympics as their federation seeks to restore faith in its operation following the long-standing doping scandal. At the World Athletics Council meeting in Monaco earlier this month the world governing body decided to introduce a cap of 10 neutral Russian athletes competing in forthcoming major events, adding it was aimed at accelerating change in the Russian system. But asked today, Coe responded: “I think that is something we would want to be discussing with our Task Force. “But looking down the road, everybody is in a different landscape so that will have to be looked at.” Asked if there might be an upside for the Oregon organisers to have an extra year to prepare – and if there would be a downside in staging the next World Championships a year ahead of the scheduled 2023 version in Budapest, Coe told insidethegames: “Nothing has been decided yet, but no International Federation is likely to be comfortable holding its World Championships in the same year as an Olympics. “If we were to hold the next World Championships in 2022, a year after the Games, you would have the next ones in 2023, and then be in the Olympic Games in 2024. “You would have athletics centre stage for four consecutive years…I think we could live with that, and that athletes could live with that. “But it is still a matter for consideration.”last_img read more

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Ilonggos from high-risk areas may now come home but…

first_img* negative reverse transcription – polymerase chain reaction (RT-PCR) test result prior to travel “Previously, we cannot allow them to return because we’re on the same level with the provinces they were stuck in,” said Defensor. * certification of acceptance / undertaking of the local government unit (LGU) destination that it will accept the returnee and subject the latter to quarantine at a common quarantine facility (not home quarantine) ILOILO – The provincial government is opening its borders not only to Ilonggos stranded in areas under general community quarantine (GCQ) but also to its residents stuck in high-risk areas or those under enhanced community quarantine (ECQ). * Francisco Heler, Jr., head of the Public Employment Service Office – in charge of returning overseas workers; to be assisted by Dr.  Ma. Socorro Quiñon from the Provincial Health Office * certification from the local health unit of the returnee’s place of origin that the latter underwent a 14-day quarantine and did not exhibit signs and symptoms of coronavirus disease 2019 (COVID-19) Atty. Suzette Mamon, provincial administrator, clarified that the required negative RT-PCR test result are only for returning Ilonggos who are overseas workers. * Gilbert Marin, head of the Provincial Tourism Office – in charge of stranded domestic tourists; in coordination with the Department of Health They, however, have to comply with the three other requirements similar to those required of Ilonggos from ECQ areas. Now, only Iloilo province among Region 6’s provinces remains under an extended ECQ./PN * certification of the governor allowing entry to Iloilo For Ilonggos from high-risk areas but are not overseas workers, she said, a negative result from rapid tests would suffice. For Ilonggos from GCQ areas such as the provinces of Aklan, Antique, Capiz, Guimaras, and Negros Occidental, there is no need for a negative RT-PCR test result prior to travel. Meanwhile, the following were designated as focal persons of the provincial government for  returning Ilonggos: Mayors agreed their respective LGUs would make arrangements for the transport of their constituents entering Iloilo’s borders. The provincial government also has the option of subjecting the returning Ilonggos to RT-PCR test upon arrival. There are, however, requirements that these Ilonggos must comply. “The return has to be organized, coordinated,” said Defensor after meeting on May 4 Vice Gov. Christine Garin, the Sangguniang Panlalawigan members and mayors at Casa Real de Iloilo. Still in line with Memorandum Order No. 21, the provincial capitol is making available a hotline number and email address through which returning Ilonggos could inquire about the processing of the requirements. * Dr. Jerry Bionat, head of the Provincial Disaster Risk Reduction and Management Office – in charge of returning local stranded residents In Memorandum Order No. 21 (“Guidelines in the processing of returning residents of the Province of Iloilo and designation of focal persons”), Gov. Arthur Defensor Jr. listed the following requirements that Ilonggos from ECQ areas must secure before being allowed entry to the province:last_img read more

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Saints fined for Carrow Road controversy

first_img Saints were charged on Tuesday for the unsavoury scenes that followed referee Mark Clattenburg’s decision to award a penalty for a Luke Shaw foul on Grant Holt. Artur Boruc kept out Holt’s subsequent spot-kick but Saints’ players continued to protest after the 0-0 draw and were joined on the pitch by manager Mauricio Pochettino. It is believed that Southampton, while accepting the charge, highlighted to the FA that such behaviour is not a regular occurrence and that it was the first time they had faced such a charge. Saints also pointed to the circumstances surrounding what they felt was an unjust penalty award by referee Clattenburg. Speaking before the charge was accepted, manager Pochettino said: “I don’t really feel bad about it because I had full respect for the referee. I went to speak with him and perhaps I should have waited until he came to the dugout to speak to him, but I was always on speaking terms. “That is the kind of person I am – a spontaneous person. I could be at fault a little bit for actually entering the field, but I must say I was on speaking terms with the referee. He spoke back to me and there was never anything above that. Perhaps I should have waited for him to come back to the dugout but I was defending the interests of my club and he was defending his job as well.” Southampton will want to quickly move on from the incident and have the perfect opportunity to do so when Liverpool come to St Mary’s. The match will see Pochettino come up against highly-rated Philippe Coutinho, who he worked with at Espanyol last season. Saints were reportedly interested in bringing in the 20-year-old midfielder during the January transfer window, only to be beaten to the signing by Liverpool. Pochettino was coy when asked whether he had tried to lure Coutinho to the south coast, but more forthcoming when asked about the quality of the player in line to start at St Mary’s. “What has happened in the past, happened in the past,” Pochettino said. “We can’t change it or do anything about it. Actually, talking about it is not going to do anything positive either. “Philippe is a Brazilian player and, as it happens with most Brazilians, he has a special magic in his feet. Aside from the magic that he has, he also has an amazing work rate and that makes us doubt whether he fits the mould of a typical Brazilian player or a European one because his work ethic is outstanding. What is important about him is he is a good lad, a good kid – a great, humble person.” Southampton have been fined £20,000 after they admitted a charge of failing to control their players following the awarding of a penalty to Norwich during last weekend’s match at Carrow Road, the Football Association has confirmed.center_img Press Associationlast_img read more

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Carberry targets swift return

first_img The jockey took a tumble from Silver Tassie at the third-last fence in the Rathberry & Glenview Studs Handicap Hurdle. It meant he missed the ride on Mullaghanoe River, which also fell, in the Boylesports Irish Grand National later on the card. Paul Carberry is likely to take a week off to recover from bruised ribs he sustained in a fall at Fairyhouse on Easter Monday. Press Associationcenter_img Carberry is likely to target the five-day Punchestown Festival, which starts next Tuesday, for his return to the track. “He’s not riding today (at Ballinrobe) and he’ll probably have the week off,” said his agent Ciaran O’Toole. “I’d say he’d start back at Punchestown next Tuesday. We’ll just see how he is.” last_img read more

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