Web21/10/ · A footnote in Microsoft's submission to the UK's Competition and Markets Authority (CMA) has let slip the reason behind Call of Duty's absence from the Xbox Game Pass library: Sony and Web12/10/ · Microsoft pleaded for its deal on the day of the Phase 2 decision last month, but now the gloves are well and truly off. Microsoft describes the CMA’s concerns as “misplaced” and says that Web26/10/ · Key Findings. California voters have now received their mail ballots, and the November 8 general election has entered its final stage. Amid rising prices and economic uncertainty—as well as deep partisan divisions over social and political issues—Californians are processing a great deal of information to help them choose state constitutional Web20/10/ · That means the impact could spread far beyond the agency’s payday lending rule. "The holding will call into question many other regulations that protect consumers with respect to credit cards, bank accounts, mortgage loans, debt collection, credit reports, and identity theft," tweeted Chris Peterson, a former enforcement attorney at the CFPB who Web14/12/ · Options Greeks Enter your options spot price, then strike price, after that, enter implied volatility (IV) in percentage, then add risk-free interest rate. Select option expiry date & yearly dividend. The calculator will display Delta, Gamma, Theta, Rho & Vega for both put and call options. NOTE: Black Scholes Option pricing model works only ... read more
It is a unit of price movement in the foreign exchange market. In forex trading, the price gets quoted in decimal in most of […]. Last updated on December 1, by Somsri Sarkar.
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Turkey Borsa Istanbul ISE. Oslo Oslo Stock Exchange OSE. Johannesburg Johannesburg Stock Exchange JSE. Copenhagen Copenhagen Stock Exchange CSE. Singapore Singapore Exchange SGX. John the Baptist, also known locally as the 'mud people' festival, in Aliaga town, Nueva Ecija province, north of Manila, on June A Libyan coast guardsman stands on a boat during the rescue of illegal immigrants attempting to reach Europe off the coastal town of Zawiyah, 45 kilometres west of the capital Tripoli, on June An Iraqi woman, carrying an infant, walks by the destroyed Al-Nuri Mosque as she flees from the Old City of Mosul on July 5.
A man on his bike looks at a masked protester throwning a stone at riot police using water cannon on July 7. A picture taken on July 9, , shows a general view of the destruction in Mosul's Old City. Police man a security cordon as a huge fire engulfs the Grenfell Tower early June This picture taken with an underwater camera shows Italy's Linda Cerruti and Italy's Costanza Ferro competing in the Women Duet technical final during the synchronised swimming competition at the FINA World Championships in Budapest, on July An air tanker drops fire retardant on flames as firefighters continue to battle against the Detwiler fire in Mariposa, California on July Italy's Eugenio Amos and his co-driver Sebastien Delaunay of France ride over sand dunes while competing during the Stage 12 of the Silk Way between Jiayuguan and Alxa Youqi, China on July Riot police arrest an opposition activists during clashes following a march towards the Supreme Court of Justice TSJ in an offensive against President Maduro and his call for Constituent Assembly in Caracas on July In this photo taken on July 29, , people walk up stairs before a propaganda poster showing Korean People's Army KPA soldiers at a museum in Sinchon, south of Pyongyang.
People enjoy the beach as they look at a forest fire in La Croix-Valmer, near Saint-Tropez, on July Students clean the steps in front of the statues of late North Korean leaders Kim Il-Sung and Kim Jong-Il at Mansu hill as the country marks 'Victory Day' in Pyongyang on July US athlete Justin Gatlin kneels in front of Jamaica's Usain Bolt after Gatlin won the final of the men's m athletics event at the IAAF World Championships at the London Stadium in London on August 5.
The mother of a man shot in the head allegedly by Kenyan police uses a blanket to cover her son's body in an alley of Mathare slum in Nairobi, on August 9. The mother of a man allegedly shot in the head by a Kenya Administration Police officer in Nairobi, on August 9. A propaganda poster is displayed during a rally in support of North Korea's stance against the US, on Kim Il-Sung square in Pyongyang on August 9.
Monaco's freediver Pierre Frolla wearing a prototype of an ''Oceanwings' wetsuit glides through the water on August A woman is received first-aid after a car accident ran into a crowd of protesters in Charlottesville, VA on August People make their way onto an I overpass after being rescued from flooded homes during the aftermath of Hurricane Harvey August A lies abandoned after heavy damage when Hurricane Harvey hit Rockport, Texas on August People walk through the flooded waters of Telephone Rd.
in Houston on August 27, as the US fourth city city battles with tropical storm Harvey and resulting floods.
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This undated picture released from North Korea's official Korean Central News Agency KCNA on September Palestinian children do their homeworks during a power cut in an impoverished area in Gaza City, on September The car of Ferrari's Finnish driver Kimi Raikkonen R is seen after a crash as Ferrari's German driver Sebastian Vettel C leads during the Formula One Singapore Grand Prix in Singapore on September A picture shows rocks swept by strong waves onto a road in Le Carbet, on the French Caribbean island of Martinique, after it was hit by Hurricane Maria, on September Spectators listen to a television news brodcast of a statment by North Korean leader Kim Jong-Un, before a public television screen outside the central railway station in Pyongyang on September A man rides his bicycle through a damaged road in Toa Alta, west of San Juan, Puerto Rico, on September Rescuers, firefighters, policemen, soldiers and volunteers desperately remove rubble and debris from a flattened building in search of survivors after a powerful quake in Mexico City on September Kadri Gursel kisses his wife after his release from Silivri prison on September 26, in Istanbul, following a Turkish court order to free the columnist and editorial director of Turkey's opposition newspaper Cumhuriyet.
Dead bodies of Rohingya Muslim refugees lay on the shore of Inani beach, near Cox's Bazar on September 28, On September A Rohingya Muslim refugee walks by night after crossing the border from Myanmar, on the Bangladeshi shores of the Naf river in Teknaf on September Protestors hold Spanish flags during a demonstration against independence in Catalonia called by the xenophobic far-right party 'Platform for Catalonia' PXC in front of the Spanish National Police headquarters in Barcelona, on September A Rohingya refugee girl looks next to newly arrived refugees who fled to Bangladesh from Myanmar in Ukhiya on September 6.
A Bangladeshi man helps Rohingya Muslim refugees to disembark from a boat on the Bangladeshi shoreline of the Naf river after crossing the border from Myanmar in Teknaf on September A member of the Syrian Democratic Forces SDF runs to take cover from sniper shots near the central hospital of Raqa on October 1. Solar panel debris is seen scattered in a solar panel field in the aftermath of Hurricane Maria in Humacao, Puerto Rico on October 2.
A man is pulled out of the rubble alive following a quake in Mexico City on September Protester comedian Simon Brodkin R gives a piece of paper written as a mock P45 employee leaving form to Britain's Prime Minister Theresa May L as she was delivering her speech on the final day of the Conservative Party annual conference at the Manchester Central Convention Centre in Manchester, northwest England, on October 4.
Boats sail during the 49th Barcolana regatta in the Gulf of Trieste on October 8. Supporters of an independence for Catalonia listen to Catalan president Carles Puigdemont's speech broadcasted on a television screen at the Arc de Triomf Triumphal Arch in Barcelona on October A Syrian woman looks back as civilians gather on the western front after fleeing the centre of Raqa on October A Somali man reacts next to a dead body on the site where a car bomb exploded at the center of Mogadishu, on October Rojda Felat, a Syrian Democratic Forces SDF commander, waves her group's flag at the iconic Al-Naim square in Raqa on October A Syrian infant suffering from severe malnutrition is seen at a clinic in the rebel-controlled town of Hamouria, in the eastern Ghouta region on the outskirts of the capital Damascus, on October Your decisions have also gotten a lot of attention.
We're public servants! And in order for the public to have faith and trust us, they need to understand what it is that we're doing and what we're saying. Humor is one way, not using a lot of legalese is another way.
But I think there are many judges who are trying to make the judiciary more accessible, and so people can see the work that we're doing and understand what we're doing and then make their own opinions about if it's right or wrong. But at least, if it's understandable, then there's still some trust in the framework even if you don't agree with how our decisions are stated.
We are ambassadors for the judiciary to the people in our courtroom — it's a very frightening proposition being in court if you've been federally charged, and people have perceptions of what they think can happen there in terms of fairness or unfairness. But then it goes far beyond that. I do a lot of work with the Administrative Office of the Courts, our central body doing civic education and outreach to high schools, because I want college and high school students and law students to have an experience where they get a chance to talk to a judge.
So my goal is certainly not just getting to one segment of the population, but it's making decisions accessible to whoever's interested in reading them. What has it felt like for you switching from that prosecutor role to magistrate judge?
Lawyers are trying to take different frameworks from one topic and apply them to another, and then convince you that that is or is not appropriate.
Being a judge is very different because you're evaluating what the parties present to you as the applicable legal frameworks, and deciding how new, groundbreaking technology fits into legal frameworks that were written 10 or 15 years ago. But that's not really a place where judges get involved in saying how it ought to be regulated. There was, famously, a judge in Florida that said cryptocurrency was not money because you couldn't put it underneath your bed, and that's what money is: something that is tangible.
So different people are going to have different decisions. And that's not just true for crypto, but also other areas of the law. Your best-known crypto decisions strongly assert that crypto is traceable. One way people try to make it less traceable is with mixers, and Tornado Cash was sanctioned by OFAC not too long ago. Do you think the legal reasoning was sound enough for similar sanctions to be applied to other mixers, or decentralized exchanges?
I don't know. I think there's been some discussion that people may litigate some of these things, so I can't comment, because those frequently do come to our courthouse. And I think there are certainly people opining on that, yes and no. So much of what judges do is that we rely on the parties that are before us to tell us what's right and what's wrong. And then, you know, obviously, they'll have different views, and we make a decision based on what people say in front of us. Are you aware that some legal analysis of the Tornado Cash sanctions references your recent decision in a cryptocurrency sanctions case?
That's what good lawyers will always do. Even legislators might look at that as they try to think about where the gaps are. As a prosecutor I had a case where we sued three Chinese banks to give us their bank records, and it had never been done before.
Afterwards, Congress passed a new law, using the decisions from judges in this court and the D. circuit court, the court above us. So I'm sure people look at prior decisions and try to apply them in the ways that they want to. Are there any misconceptions about how the law applies to crypto, or how your decisions should be interpreted, that you wish you could get across?
One misconception is that the judges can't understand this technology — we can. People have these views in two extremes. The lawyer's fundamental job is to take super complex and technical things and boil them down to very easily digestible arguments for a judge, for a jury, or whoever it might be. The financial technology transformation is driving competition, creating consumer choice, and shaping the future of finance.
Hear from seven fintech leaders who are reshaping the future of finance, and join the inaugural Financial Technology Association Fintech Summit to learn more. Financial technology is breaking down barriers to financial services and delivering value to consumers, small businesses, and the economy. Fintech puts American consumers at the center of their finances and helps them manage their money responsibly. From payment apps to budgeting and investing tools and alternative credit options, fintech makes it easier for consumers to pay for their purchases and build better financial habits.
Fintech also arms small businesses with the financial tools for success, including low-cost banking services, digital accounting services, and expanded access to capital. We advocate for modernized financial policies and regulations that allow fintech innovation to drive competition in the economy and expand consumer choice.
Spots are still available for this hybrid event, and you can RSVP here to save your seat. Join us as we discuss how to shape the future of finance. In its broadest sense, Open Banking has created a secure and connected ecosystem that has led to an explosion of new and innovative solutions that benefit the customer, rapidly revolutionizing not just the banking industry but the way all companies do business.
Target benefits are delivered through speed, transparency, and security, and their impact can be seen across a diverse range of use cases. Sharing financial data across providers can enable a customer individual or business to have real-time access to multiple bank accounts across multiple institutions all in one platform, saving time and helping consumers get a more accurate picture of their own finances before taking on debt, providing a more reliable indication than most lending guidelines currently do.
Companies can also create carefully refined marketing profiles and therefore, finely tune their services to the specific need. Open Banking platforms like Klarna Kosma also provide a unique opportunity for businesses to overlay additional tools that add real value for users and deepen their customer relationships. The increased transparency brought about by Open Banking brings a vast array of additional benefits, such as helping fraud detection companies better monitor customer accounts and identify problems much earlier.
The list of new value-add solutions continues to grow. The speed of business has never been faster than it is today. For small business owners, time is at a premium as they are wearing multiple hats every day. Macroeconomic challenges like inflation and supply chain issues are making successful money and cash flow management even more challenging.
This presents a tremendous opportunity that innovation in fintech can solve by speeding up money movement, increasing access to capital, and making it easier to manage business operations in a central place. Fintech offers innovative products and services where outdated practices and processes offer limited options.
For example, fintech is enabling increased access to capital for business owners from diverse and varying backgrounds by leveraging alternative data to evaluate creditworthiness and risk models. This can positively impact all types of business owners, but especially those underserved by traditional financial service models.
When we look across the Intuit QuickBooks platform and the overall fintech ecosystem, we see a variety of innovations fueled by AI and data science that are helping small businesses succeed.
By efficiently embedding and connecting financial services like banking, payments, and lending to help small businesses, we can reinvent how SMBs get paid and enable greater access to the vital funds they need at critical points in their journey. Overall, we see fintech as empowering people who have been left behind by antiquated financial systems, giving them real-time insights, tips, and tools they need to turn their financial dreams into a reality.
Innovations in payments and financial technologies have helped transform daily life for millions of people. People who are unbanked often rely on more expensive alternative financial products AFPs such as payday loans, money orders, and other expensive credit facilities that typically charge higher fees and interest rates, making it more likely that people have to dip into their savings to stay afloat.
A few examples include:. Mobile wallets - The unbanked may not have traditional bank accounts but can have verified mobile wallet accounts for shopping and bill payments. Their mobile wallet identity can be used to open a virtual bank account for secure and convenient online banking.
Minimal to no-fee banking services - Fintech companies typically have much lower acquisition and operating costs than traditional financial institutions. They are then able to pass on these savings in the form of no-fee or no-minimum-balance products to their customers. This enables immigrants and other populations that may be underbanked to move up the credit lifecycle to get additional forms of credit such as auto, home and education loans, etc.
Entrepreneurs from every background, in every part of the world, should be empowered to start and scale global businesses. Most businesses still face daunting challenges with very basic matters. These are still very manually intensive processes, and they are barriers to entrepreneurship in the form of paperwork, PDFs, faxes, and forms.
Stripe is working to solve these rather mundane and boring challenges, almost always with an application programming interface that simplifies complex processes into a few clicks. Stripe powers nearly half a million businesses in rural America. The internet economy is just beginning to make a real difference for businesses of all sizes in all kinds of places. We are excited about this future. The way we make decisions on credit should be fair and inclusive and done in a way that takes into account a greater picture of a person.
Lenders can better serve their borrowers with more data and better math. Zest AI has successfully built a compliant, consistent, and equitable AI-automated underwriting technology that lenders can utilize to help make their credit decisions. While artificial intelligence AI systems have been a tool historically used by sophisticated investors to maximize their returns, newer and more advanced AI systems will be the key innovation to democratize access to financial systems in the future.
D espite privacy, ethics, and bias issues that remain to be resolved with AI systems, the good news is that as large r datasets become progressively easier to interconnect, AI and related natural language processing NLP technology innovations are increasingly able to equalize access. T he even better news is that this democratization is taking multiple forms. AI can be used to provide risk assessments necessary to bank those under-served or denied access.
AI systems can also retrieve troves of data not used in traditional credit reports, including personal cash flow, payment applications usage, on-time utility payments, and other data buried within large datasets, to create fair and more accurate risk assessments essential to obtain credit and other financial services. By expanding credit availability to historically underserved communities, AI enables them to gain credit and build wealth. Additionally, personalized portfolio management will become available to more people with the implementation and advancement of AI.
Sophisticated financial advice and routine oversight, typically reserved for traditional investors, will allow individuals, including marginalized and low-income people, to maximize the value of their financial portfolios. Moreover, when coupled with NLP technologies, even greater democratization can result as inexperienced investors can interact with AI systems in plain English, while providing an easier interface to financial markets than existing execution tools. Open finance technology enables millions of people to use the apps and services that they rely on to manage their financial lives — from overdraft protection, to money management, investing for retirement, or building credit.
More than 8 in 10 Americans are now using digital finance tools powered by open finance. This is because consumers see something they like or want — a new choice, more options, or lower costs.
What is open finance? At its core, it is about putting consumers in control of their own data and allowing them to use it to get a better deal. When people can easily switch to another company and bring their financial history with them, that presents real competition to legacy services and forces everyone to improve, with positive results for consumers. For example, we see the impact this is having on large players being forced to drop overdraft fees or to compete to deliver products consumers want.
We see the benefits of open finance first hand at Plaid, as we support thousands of companies, from the biggest fintechs, to startups, to large and small banks. All are building products that depend on one thing - consumers' ability to securely share their data to use different services. Open finance has supported more inclusive, competitive financial systems for consumers and small businesses in the U.
and across the globe — and there is room to do much more. As an example, the National Consumer Law Consumer recently put out a new report that looked at consumers providing access to their bank account data so their rent payments could inform their mortgage underwriting and help build credit.
This is part of the promise of open finance. At Plaid, we believe a consumer should have a right to their own data, and agency over that data, no matter where it sits. This will be essential to securing benefits of open finance for consumers for many years to come. As AWS preps for its annual re:Invent conference, Adam Selipsky talks product strategy, support for hybrid environments, and the value of the cloud in uncertain economic times.
Donna Goodison dgoodison is Protocol's senior reporter focusing on enterprise infrastructure technology, from the 'Big 3' cloud computing providers to data centers. She previously covered the public cloud at CRN after 15 years as a business reporter for the Boston Herald. AWS is gearing up for re:Invent, its annual cloud computing conference where announcements this year are expected to focus on its end-to-end data strategy and delivering new industry-specific services.
Both prongs of that are important. But cost-cutting is a reality for many customers given the worldwide economic turmoil, and AWS has seen an increase in customers looking to control their cloud spending. By the way, they should be doing that all the time. The motivation's just a little bit higher in the current economic situation. This interview has been edited and condensed for clarity.
Besides the sheer growth of AWS, what do you think has changed the most while you were at Tableau? Were you surprised by anything? The number of customers who are now deeply deployed on AWS, deployed in the cloud, in a way that's fundamental to their business and fundamental to their success surprised me. There was a time years ago where there were not that many enterprise CEOs who were well-versed in the cloud. It's not just about deploying technology. The conversation that I most end up having with CEOs is about organizational transformation.
It is about how they can put data at the center of their decision-making in a way that most organizations have never actually done in their history.
And it's about using the cloud to innovate more quickly and to drive speed into their organizations. Those are cultural characteristics, not technology characteristics, and those have organizational implications about how they organize and what teams they need to have.
It turns out that while the technology is sophisticated, deploying the technology is arguably the lesser challenge compared with how do you mold and shape the organization to best take advantage of all the benefits that the cloud is providing.
A footnote in Microsoft's submission opens in new tab to the UK's Competition and Markets Authority CMA has let slip the reason behind Call of Duty's absence from the Xbox Game Pass library: Sony and Activision Blizzard have a deal that restricts the games' presence on the service. The footnote appears in a section detailing the potential benefits to consumers from Microsoft's point of view of the Activision Blizzard catalogue coming to Game Pass.
What existing contractual obligations are those? Why, ones like the "agreement between Activision Blizzard and Sony," that places "restrictions on the ability of Activision Blizzard to place COD titles on Game Pass for a number of years". It was apparently these kinds of agreements that Xbox's Phil Spencer had in mind opens in new tab when he spoke to Sony bosses in January and confirmed Microsoft's "intent to honor all existing agreements upon acquisition of Activision Blizzard".
Unfortunately, the footnote ends there, so there's not much in the way of detail about what these restrictions are or how long they'd remain in effect in a potential post-acquisition world.
Given COD's continued non-appearance on Game Pass, you've got to imagine the restrictions are fairly significant if they're not an outright block on COD coming to the service. Either way, the simple fact that Microsoft is apparently willing to maintain any restrictions on its own ability to put first-party games on Game Pass is rather remarkable, given that making Game Pass more appealing is one of the reasons for its acquisition spree.
The irony of Sony making deals like this one while fretting about COD's future on PlayStation probably isn't lost on Microsoft's lawyers, which is no doubt part of why they brought it up to the CMA. While it's absolutely reasonable to worry about a world in which more and more properties are concentrated in the hands of singular, giant megacorps, it does look a bit odd if you're complaining about losing access to games while stopping them from joining competing services.
We'll find out if the CMA agrees when it completes its in-depth, "Phase 2" investigation opens in new tab into the Activision Blizzard acquisition, which is some way off yet. For now, we'll have to content ourselves with poring over these kinds of corporate submissions for more interesting tidbits like this one.
So far, we've already learned that Microsoft privately has a gloomy forecast for the future of cloud gaming opens in new tab , and that the company thinks Sony shouldn't worry so much since, hey, future COD games might be as underwhelming as Vanguard opens in new tab.
Who knows what we'll learn next? Sign up to get the best content of the week, and great gaming deals, as picked by the editors. One of Josh's first memories is of playing Quake 2 on the family computer when he was much too young to be doing that, and he's been irreparably game-brained ever since. His writing has been featured in Vice, Fanbyte, and the Financial Times. He'll play pretty much anything, and has written far too much on everything from visual novels to Assassin's Creed.
His most profound loves are for CRPGs, immersive sims, and any game whose ambition outstrips its budget. He thinks you're all far too mean about Deus Ex: Invisible War. Open menu Close menu PC Gamer PC Gamer THE GLOBAL AUTHORITY ON PC GAMES. opens in new tab opens in new tab opens in new tab opens in new tab opens in new tab opens in new tab. US Edition. News Reviews Hardware Best Of Magazine The Top Forum More PCGaming Show Podcasts Coupons Newsletter SignUp Community Guidelines Affiliate Links Meet the team About PC Gamer.
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Web26/10/ · Key Findings. California voters have now received their mail ballots, and the November 8 general election has entered its final stage. Amid rising prices and economic uncertainty—as well as deep partisan divisions over social and political issues—Californians are processing a great deal of information to help them choose state constitutional Web20/10/ · That means the impact could spread far beyond the agency’s payday lending rule. "The holding will call into question many other regulations that protect consumers with respect to credit cards, bank accounts, mortgage loans, debt collection, credit reports, and identity theft," tweeted Chris Peterson, a former enforcement attorney at the CFPB who WebAbout Our Coalition. Prop 30 is supported by a coalition including CalFire Firefighters, the American Lung Association, environmental organizations, electrical workers and businesses that want to improve California’s air quality by fighting and preventing wildfires and reducing air pollution from vehicles Web14/12/ · Options Greeks Enter your options spot price, then strike price, after that, enter implied volatility (IV) in percentage, then add risk-free interest rate. Select option expiry date & yearly dividend. The calculator will display Delta, Gamma, Theta, Rho & Vega for both put and call options. NOTE: Black Scholes Option pricing model works only WebPubMed® comprises more than 34 million citations for biomedical literature from MEDLINE, life science journals, and online books. Citations may include links to full text content from PubMed Central and publisher web sites Web27/11/ · The original supermodels defy the years with their stunning looks to lead the way in AFP’s photographs of the year (alongside some rather less glamorous naked men!) ... read more
By Sebastian Murphy-bates For Mailonline Published: GMT, 27 November Updated: GMT, 28 November e-mail 22 shares. In this picture taken late on June 13, , physiotherapist Masayuki Ozaki takes a bath with his silicone sex doll Mayu at a love hotel in Yachimata. It allows Indian tribes and affiliated businesses to operate online and mobile sports wagering outside tribal lands. I think that the best AI will be a build plus buy. We have a lot of capabilities we're building that are either for … horizontal use cases like Amazon Connect or industry verticals like automotive, healthcare, financial services.More than 8 in 10 Americans are now using digital finance tools powered by open finance, binary options call center in manila. She previously covered the public cloud at CRN after 15 years as a business reporter for the Boston Herald. He also holds a doctorate in engineering from the University of Oxford. Wilson, PhD Dean and Professor Richard and Rhoda Goldman School of Public Policy University of California, Berkeley. Today, when it comes to the importance of the outcome of Prop 26, one in four or fewer across partisan groups say it is very important to them.