234win bet app
The Central Bank of Nigeria (CBN) has outlined key initiatives for 2025 aimed at advancing the country’s financial services sector. Speaking at the Bankers’ Committee Annual Dinner held on November 29, 2024, CBN Governor Olayemi Cardoso revealed plans to implement the open banking framework, promote contactless payment systems, and expand the regulatory sandbox. These initiatives, he noted, are central to deepening financial inclusion and enhancing Nigeria’s payment ecosystem. Related Stories How Much Money Do You Need To Start Investing? Why Does My Money Feel Smaller Everyday? Understanding Nigerian Inflation What Cardoso is saying “In 2025, we will prioritize initiatives including implementing our open banking framework, advancing contactless payment systems, and expanding our regulatory sandbox. Additionally, we will issue revised guidelines for agency banking and continue to strengthen electronic payment channels.” Open Banking : Cardoso highlighted the implementation of the open banking framework as a top priority for the coming year. Open banking, which enables secure sharing of financial data between banks and third-party service providers, is expected to spur innovation and create new opportunities within the financial technology (fintech) space. With open banking gaining traction globally, Nigeria’s adoption of this framework is anticipated to catalyze the development of new financial products, improve service delivery, and enhance customer experience across the industry. Advancing Contactless Payments: As part of its vision for a more seamless payment system, the CBN plans to advance contactless payment solutions in 2025. Cardoso emphasized the need to align with global trends, where contactless payment systems are fast becoming the norm for retail transactions. The initiative is expected to drive the adoption of modern payment technologies, reduce transaction times, and promote cashless transactions, particularly among Nigeria’s growing youth and tech-savvy population. Regulatory Sandbox for Innovation: Cardoso also announced plans to expand the CBN’s regulatory sandbox, a controlled environment where fintech companies can test innovative products under the supervision of the regulator. The sandbox expansion is expected to encourage startups and established financial institutions to experiment with novel solutions in areas such as blockchain, artificial intelligence, and digital currencies. Another priority area for the CBN in 2025 is bolstering the robustness of Nigeria’s electronic payment infrastructure. Cardoso stressed the importance of strengthening these channels to support a more cashless economy and ensure resilience against cyber threats. The CBN will also issue revised guidelines for agency banking, a critical tool in extending financial services to underserved and rural communities. Cardoso explained that these updates are aimed at enhancing the operational efficiency and security of agency banking networks, ensuring they remain a reliable channel for financial inclusion. The outlined initiatives align with the CBN’s broader vision of fostering a modern, resilient, and inclusive financial system. By prioritizing innovation, regulatory advancements, and infrastructure upgrades, the apex bank seeks to position Nigeria as a leader in digital finance within Africa.Venezuelan pop band that embraced Maduro's opponent cancels tour after his criticism of its lyrics
Pat yourself on the back and breathe a huge sigh of relief — you made it through Christmas! (As for you Hannukah celebrants — hang in there!) Hopefully, your nearest and dearest loved their gifts, and you got a few things you wanted, too. If not, never fear — Walmart has thousands of markdowns this weekend, and there's a good chance something (or some things) on your wish list is on sale. A new ? Cozy ? A coveted ? Yep, all marked down at Walmart right now. If the idea of scrolling through page after page of products sounds stressful after these past few weeks, that's totally understandable. Luckily, we've still got plenty of shopping stamina, and we've collected a bunch of the best weekend deals at Walmart for you. How about for a cool $70 off? And these sparkling ? They're down to just $18 but look so much more expensive. Pair them with a cashmere sweater for work or a black dress for a night out. There are loads more expert-approved deals from top brands like Skechers, Shark and Serta up for grabs at Walmart this weekend. Keep scrolling for more must-buys starting at just $7. If boring silver cutlery is just not your style, grab this colorful Carote set while it's over 80% off. It comes with six knives that you can use to carve meats, slice bread, peel potatoes and so much more. Even better, each blade comes with a protective cover to preserve its sharpness and keep it safely stored. Don't let its slim profile fool you: This cordless wonder has a powerful motor that provides the intense suction you need to pick up all that dirt, pet hair, dust and debris from carpets, hardwood floors, tile and more. When fully charged, it will give you up to 40 minutes of nonstop cleaning — ample time to give the entire house a once-over. The Yahoo reader favorite is down to $80, which is pretty close to the lowest price we've seen it. Your winter wardrobe isn't complete without this plaid button-down shirt. It has a slightly oversized fit and a curved hem to flatter a variety of shapes, and it's ideal for layering with tees and jackets. Plus, it comes in 14 plaid shades — and it's just $15. (And yes, that means you can buy more than one color!) Hoops are a style staple, not least because they look beautiful dressed up or down. These C&C earrings take that look to the next level, with 18-karat white gold plating, tastefully crusted with dazzling Swarovski crystals. Another plus: They're hypoallergenic and contain no lead or nickel, so they won't cause problems for even the most sensitive skin. Equal parts decorative and functional, this 64" x 21" stunner will up the elegance factor of any room (and you'll be able to give your outfit a once-over before you head out the door). More than 5,000 shoppers think it's worthy of a five-star rating, this is one deal you'll "reflect" on fondly. The cleaning has to get done, but you can give your weary arms a break by letting this nifty doodad do all of the hard work. Its bristles spin at a rate of up to 400 rotations per minute to bust away grime from grout, the tub and pretty much anywhere that could use a deep clean. It comes with seven heads for targeting different areas of your home — and at 70% off, it's a no-brainer. Not ready to drop hundreds of dollars on ? Then consider these bluetooth earbuds that are down to just $10 this weekend. More than 400 shoppers have given them a five-star rating, with many saying they're impressed with the quality. "These are very comfortable around my ears. The sound quality is great. For the price, I am very impressed," one customer commented. Another added, "I just recieved these headphones, put them on, and not even a half song into them I can tell these are going to be a solid pair. I turned the volume up halfway, and the music is clear and I can't hear outside noise. Hoping for these to last a long time because these sound phenomenal." If you've never slipped your foot inside a Dearfoams shoe, it's time. They're soft and supportive, and this pair is designed with temperature-regulating technology to prevent your tootsies from getting too hot or cold. They're available in three colors in sizes 5-12, and they're machine washable. What's not to love? Real talk: Those threadbare towels in your linen closet have served you well, and it's time to retire them. Luckily, replacements won't break the bank, seeing as this cotton set is a mere $10 for a bath towel, hand towel and washcloth. At this price, grab several sets to have on hand for guests. Good luck choosing between the 20-plus colors. Monopoly is fun, but who has hours to spend sitting around waiting for the game to end? If you want your buying and selling fix without the massive time commitment, Monopoly Deal is the way to go. It's designed for two to five people, can be played in as little as 15 minutes and it's just as fun as the original. "Short and fun!" raved one fan. "I don't play original board game anymore as it takes way too much time. This game has all the strategy and is still very entertaining! Love it. Buy It!" Give plant lovers everlasting blooms with this 758-piece set. The nine adorable plants and flowers can even be split among family members. A number of reviewers gushed that this was their first time building Legos since childhood and agreed that this was a wonderful reintroduction. With Sorry, players have no option but to turn on each other to try to win the game. You'll chase your opponents around the board while trying to get your pawns to the finish line. Cards tell you to move forward and back and can even send you back to the start, making for an exciting evening. The young ones will enjoy a taste of the open road (er, driveway) by cruising around in this sturdy two-seater. Older kids can steer it manually, but it also comes with a remote control that parents can operate if they choose. Safety features include seatbelts (of course) and non-deflatable wheels, as well as LED lights for when the sun starts to set. Need a sleek little laptop for tasks like web browsing and word processing? We've found one for an equally sleek little price. Features include an anti-glare display, 4GB RAM, 128GB flash storage, and up to 12 hours of battery life. Got a new TV for Christmas? Lucky you! Now, take it to the next level with a soundbar. This best-selling Samsung model connects easily via an HDMI cable and has surround sound capabilities. "Exceptional product, great price," one shopper noted in their review. "Significantly enhanced my home entertainment setup." Another fan commented, "This soundbar on my Samsung 65-inch TV is absolutely amazing. I replaced an LG soundbar for this one and oh what a difference. Perfect sound, easy hook up and it even comes with parts for hanging it on the wall just below my TV. Great deal for perfect sounds." If you've had an iPad on your wishlist, this is the most recent version and it's on rare sale. (It's not quite as low as it was for Black Friday/Cyber Monday, but it's one of the best prices we've seen otherwise.) As the unofficial Goldilocks of tech (less bulky than a laptop but larger than a smartphone), this tablet keeps you connected on the go or at home, and you can use it for everything from reading books to taking notes to watching videos. Our tech editor named this the owing to its "under-the-hood improvements, including a faster processor, more RAM (4GB instead of 3GB), Bluetooth 5.0 (up from 4.2) and a USB-C charging port." Experience the ultimate in home entertainment with this sleek TV. With perfect blacks and vibrant colors, every show and movie dazzles. And with Dolby Vision, it gives you a true cinematic experience in your living room. Grab it now and save $400. "Watching TV is now like going to the movies!" gushed one fan. "Football games are really cool as we feel like we are in the stadiums." Don't want to shell out big bucks for a new TV? No worries — you can upgrade your home theater for just $19 with this Roku streamer. Just plug it into your TV and connect to your Wi-Fi, and soon you'll be bingeing everything during the cold winter months. You'll save a whopping $120 with this deal, so if your old telly's on the fritz, go ahead and add this highly rated (as in, more than 21,000 five-star ratings) smart TV to your cart. It boasts 4K Ultra HD resolution for crystal-clear imagery as well as easy access to all of your favorite streaming platforms right on the home screen. Windy winter storms are a-coming, and sometimes the resulting fallen branches are a bit too large to be cut down to size by hand. This chainsaw is lightweight and simple to use, but don't let the demure size fool you. With a 6-inch blade, it has more than enough cutting power to handle most jobs. The handle comes with a rubberized grip that makes it easy to hold, even with just one hand, as well as a lock button that means you won't accidentally start things up while carrying it. 'Tis the season for frozen car batteries, which is why this jump starter — now discounted a whopping $120 — can literally be a lifesaver. It comes with intelligent clamps that will notify you if there are any issues and LED lights so you can see at night. It also works as a strobe light or an SOS light in an emergency and as a power bank for your electronic devices. Shoveling snow the old-school way can be exhausting, not to mention nearly back-breaking. With an electric option like this one, you'll have a whole lot of help cleaning up after Mother Nature's latest onslaught. It weighs just 8.8 pounds, meaning you can quickly clear your driveway, sidewalks, patios and more with less strain — the shovel will leave a 12-inch clearing path and blows snow up to 20 inches away. Your car emergency kit isn't complete without a tire pressure gauge. This easy-to-read digital model works in just seconds and has a handy light so you can see the screen in the dark. Shoppers give it 4.7 out of 5 stars and say it really is simple to use. "Easy to use and quick and handy! Works well both night and daytime. Won't drive without it and good for your bikes too!" one person noted. Cold weather calls for soul-warming soups and stews prepared in this Drew Barrymore slow cooker. It's extra large so that you can cook big batches, and the presets make meals like chili foolproof. There are nine aesthetically pleasing colors to choose from, all of which have elegant gold accents. Preparing homemade meals is much more enjoyable when you're not cooking with scratched, gunky pots and pans. If yours are ready to be replaced, you don't have to spend a fortune. These are made from induction-ready granite material, so they're safe for all stovetops, and nonstick so they're great for any at-home chef. Save over 60% on this hardworking set. Grill up burgers rain or shine with this indoor griddle. The family-size 14-inch grill top is large enough to feed the whole crew, but compact enough to tuck away. It heats up to 500°F to sear meats, veggies and more. Oh yeah, and the nonstick grill plate is removable, so it's easy to clean. "Amazing indoor grill, I use it every day," raved one five-star fan. "This is honestly my greatest kitchen gadget purchase I've ever made, it requires no oil when cooking and tastes just like it came off of my outdoor grill." Not every cooking job requires turning on the oven, you know? This versatile countertop gadget not only bakes and broils, but it also air fries, grills and toasts. Whether you want fries, cookies or another go at last night's leftovers, this Cuisinart model is up for the job. The word in this mixer's name isn't a throwaway — this timeless kitchen standby will do all the heavy lifting for you, whether you're cooking or baking a culinary treat. Score $100 off on the 4.5-quart tilt-head model in gorgeous colors like the pictured Pistachio. People of all pronouns ( ) scream for ice cream — yes, even when it's cold. This wildly popular appliance will satiate everyone's sweet tooth until it's warm enough for the ice cream truck to roll around. It churns out everything from ice cream and sorbet to milkshakes and more — just add your ingredients, freeze overnight, press a button and ta-da! Plus, you'll be able to customize your creation with your favorite mix-ins. This price beats Amazon's, so "scoop" it up while you can. Check out our full for more. Been dyin' to try a Dyson? Now would be a great time to snag this lightweight dust destroyer, considering it's 50% off. It can run for up to 40 minutes before needing a recharge, and because it's cordless, you won't have to look for a free outlet each time to move it to a different room. Oh, and it comes with several cleaning attachments, has a whole-machine filtration system and is effective on both hard and carpeted flooring. A soft, supportive pillow that also prevents overheating at night? Yes, please! More than 3,000 shoppers have given these never-flat pillows a perfect five-star rating. "Finally found a pillow that doesn't hurt my neck!" one satisfied shopper raved. "I'm a side sleeper. I've been through many pillows. My closet is a graveyard for brand new pillows that don't work. This pillow is just firm enough and doesn't make me hot." Another wrote, "This is truly the best cooling and most comfortable pillow I've used in decades." Save time, space and money with this two-in-one cleaner, which vacuums and mops to clean up just about any mess you're likely to come across on your floor. It's cordless, with a 30-minute runtime on a full charge, and safe for all sealed hard floors and surfaces. Are you one of those people who's always cold? There's a good chance you already have a pretty good collection of throw blankets around the house, but that shouldn't stop you from snagging this Eddie Bauer style while it's on sale. It's available in three sizes, made from a soft, cozy fleece and it's machine washable. If there's one type of Shark we're always happy to run into, it's one that's on sale. Complete with a HEPA filter, this bad boy will help purify the air while it sucks up dust bunnies. Yes, you can really score an authentic Michael Kors purse at Walmart. Whether for work or weekend errands, this spacious purse is roomy enough for everyday essentials, plus a book, planner or tablet. And the warm brown color means it will match any outfit in your closet. March your way into a loved one's heart this holiday season by gifting them a pair of comfy, all-day walking shoes — and grab another for yourself while you're at it. These Skechers slip-ons have a soft, breathable mesh upper and memory foam insole for cushioning and support. Wide-width options ensure a cozy fit for everyone. Trends come and go, but a classic puffer jacket will always stick around. This simple pick features the most flattering quilted pattern and is topped off with a cozy faux fur-lined collar. It also has zip-closure pockets so you can securely stash all your essentials. Snag it in any of four colors in sizes S to 3X. If your go-to bags have seen better travel days, it's time to level up. Lightweight and durable, each piece of this three-piece luggage set suitcase has 360-degree silent spinner wheels, so you can easily maneuver around the airport and book it during those tight layovers. Inside, you'll find zippered dividers to keep your belongings secure. Oh, and did we mention you can choose from five colors? Can we take a second to swoon over these precious puppy slip-ons? They're just too cute — not to mention incredibly soft, cushy and warm to keep your dogs (pun intended) cozy all winter. The nonslip soles offer stability on slick surfaces. Snag a few styles while they're nearly 50% off. (Don't miss the bear, bull, butterfly, cat and sea turtle options.) Want to feel more confident with every smile? It's time to brighten things up. These strips promise to remove over 15 years of stains after just seven days of consistent use. The advanced-seal no-slip grip on these strips will keep them firmly in place to let them work their magic, leaving your teeth up to eight levels whiter. If your current toothbrush isn't cutting it, this electric one will leave them feeling cleaner than they've been in ages. To accomplish this noble task, it uses 8,800 plaque-slaying strokes per minute. You'll also get eight brush heads, which can cost a pretty penny on their own. As much as we love the , it's admittedly a splurge — and this five-in-one set promises the same quick hairstyling, but for a fraction of the price. With blow-drying, straightening, curling, styling and electrostatic brush head attachments, it's like having a salon right at your fingertips. Want to save even more? Make sure you’re signed up for . It’s easy to . You’ll get free shipping and grocery delivery, savings on gas and prescriptions, exclusive access to major deals, and more.
Vancouver's Bench Accounting abruptly shuts down, with 600 jobs potentially lostCambodia’s economy grew 5.6 per cent in 2023 and is projected to rise to 5.8 per cent in 2024, driven by garment, footwear, and tourism exports. In June, the World Bank admired Cambodia’s economic activity, which peaked in the first quarter of 2024, driven by a revival of services and goods exports despite subdued domestic demand. The country’s economic growth has been 5.6 per cent in 2023, which is expected to improve marginally to 5.8 per cent in 2024, strengthen to 6.1 per cent in 2025 and reach 6.4 per cent in 2026. The projections are based on a revival in garment, travel goods, footwear exports, and tourism expected to propel the ongoing recovery. While the international tourist arrivals improved in the first quarter to 84 per cent of pre-pandemic levels, the exports of garments, travel goods, and footwear rebounded with ASEAN (Association of Southeast Asian Nations) region emerging as Cambodia’s second largest export market after the US. Rising foreign investment in manufacturing and agriculture also contributed to the recovery. Inflation also declined to zero in March with deceleration in food prices. Later in October, IMF (International Monetary Fund) projected economic growth in 2024 at 5.5 per cent. However, the growth drivers – strong rebound in garment and tourism as also observed by the World Bank, remained common in both projections. The inflation projection is around 1.5 per cent prior to an expected convergence to the long-term trend of 3 per cent. In the first half, the inflation moderated to an average of 1.6 per cent, y-o-y. IMF recommended structural reforms to diversify growth drivers and improve productivity. January-September trade The international sales (exports) of various articles of apparel and clothing accessories – both knitted and non-knitted, footwear gaiters, leather and fur goods, as well as some processed textiles, reached $966.98 million in the month of January, accounting for 49.16 per cent of Cambodia’s total export value of $1,967 million. This was 21.64 per cent up from January 2023 and attributed to the global recovery towards the end of 2023, a decrease in the stock levels of textile products at overseas companies, and revitalisation of global tourism, which boosted the demand for GFT products in key markets of the US, EU, Japan, Canada and the UK. By February end, Cambodia cumulatively exported more than $1.6 billion worth of textile products to international markets, surging by nearly a quarter compared to the same period in 2023. The increase in exports was also due to an increase in shipments to member countries of the Regional Comprehensive Economic Partnership (RCEP). Between January and May 2024, Cambodia exported $4.969 billion worth of garments, footwear and travel goods (GFT), growing by 20% y-o-y. In this, combined exports of apparel and textiles accounted for $3.628 billion, rising 22 per cent y-o-y. The positive trend marked a turnaround after 18 months of continuous decline. The GFT sector comprises around 1,680 factories and branches, employing nearly 918,000 workers, mostly female. Export of footwear was worth $615 million—up by 10 per cent YoY, while the figure for travel goods was $726 million—up by 18.8 per cent y-o-y. During the five-month period, the country’s total trade volume increased 12.5 per cent over $19.2 billion during the same period last year. Combining all three quarters from January to September, Cambodia exported textile products, encompassing knitted articles of apparel and clothing accessories (HS Code 61), non-knitted articles (Code 62), other textiles (Code 63), and footwear and gaiters (Code 64), worth $8.758 billion which reflected a 24.51 per cent increase over $7.034 billion (2023). This represented 44.16 per cent of the country’s total export revenue of $19.833 billion. Code 61 products generated revenue of $5.034 billion (up 21.5 per cent), Code 62 amounted to $2.353 billion (up 31.9 per cent), Code 63 accounted for $155.69 million (up 37.7 per cent), and Code 64 brought in $1.214 billion (up 22.4 per cent). The growth in exports over 2023 was largely attributed to Cambodia’s political stability within ASEAN, especially in comparison to Bangladesh and Myanmar. The country’s favourable investment laws, the efficiency of its workers and the availability of skilled labour, the quality and quantity of production, improved transportation infrastructure, and a growing number of international buyers were other major growth drivers. The country also attracted many foreign financiers who are currently investing in textile manufacturing. In terms of country (not region), Canada remained the fourth largest market, after the top three of the US, Japan and Spain, for Cambodian apparel exports during the first six months of 2024. Cambodia’s total apparel exports totalled $5.548 billion, and Canada accounted for 8.29 per cent of the total. During the period, Canada was supplied with apparel worth $452.916 million, with trousers and shorts having the largest share of 36.06 per cent and valued at $163.392 million. Among other apparel categories, jerseys, valued at $74.217 million, had a 16.39 per cent share in total apparel exports; T-shirts amounted to $38.560 million, contributing 8.51 per cent; shirts were worth $31.012 million, had a 6.85 per cent share; and coats, valued at $20.969 million, contributed 4.63 per cent share. EU-switch garment project The four-year tenure of the EU-Switch Garment Project, which promoted sustainable energy practices in the Cambodian garment sector, ended in May. The European Union SWITCH-Asia Grants Programme funded the project. It jointly implemented by the Global Green Growth Institute (GGGI), TAFTAC (Textile, Apparel, Footwear & Travel Goods Association), and Geres in partnership with the MoE (Ministry of Environment) and MISTI (Ministry of Industry, Science, Technology & Innovation). The event was attended by over 100 participants and featured the project’s detailed achievements, and networking opportunities to discuss the future of sustainable garment production in Cambodia. The EU-Switch Garment project aimed to improve the environmental sustainability of the country’s garment industries by offering technical assistance in the form of energy audits, capacity building, technical guidelines, and improved financing access. During the tenure, the Model Green Factory Program—a voluntary tool to become a greener factory—was developed, acknowledged by MoE and MISTI, and adopted by TAFTAC for implementation. The project also contributed to bringing sector stakeholders together to enhance better access to finance. The National Steering Committee held its first meeting on June 20, 2024 in Phnom Penh, chaired by the Permanent Secretary of State, MoE. At the meeting, the Committee members listed work streams for 2024-2025 and decided to focus on two priority work streams that are expected to have a significant impact on Cambodia’s green economic transaction efforts: Enhancing the Government’s technical capacity in economic foresight and fiscal policy: This work stream would support policymakers in using data to make informed decisions and in systematically assessing the economic, social, and environmental impacts of fiscal and economic decisions. Additionally, integrated planning, modelling, and sustainable budgeting would help the Cambodian Government optimise resources, attract new financing, and align with development priorities. Promoting a circular economy with a focus on reducing single-use plastics and implementing the 4R principles within the garment industry: This work stream would aim to decarbonise the garment sector by reducing carbon emissions through technological innovation, aligning with the UNFCCC Fashion Charter principles. It focuses on reducing fabric waste, promoting circular fashion, and supporting the government’s target to reduce plastic use and promote the 4R principles as part of the Circular Strategy on Environment 2023-2028. On the occasion, PAGE (Partnership for Action on Green Economy) also presented a summary brief, developed based on the last year’s policy scoping study conducted in collaboration with the Cambodian Development Resource Institute, outlining five priorities that serve as a roadmap for policymakers and stakeholders to identify the obstacles and opportunities for fostering a green economic transition in Cambodia. Workshop on green initiatives A workshop ‘Reporting on Human Rights Due Diligence (HREDD) and Sustainability Requirements for International Buyers’ was organised on September 19, 2024, by GOPA Consulting Group’s team leading the GIZ-funded project “Services to strengthen capacities for sustainable management in the textile sector” in association with TAFTAC. The workshop marked the end of the project. Held in the headquarters of TAFTAC, the workshop lauded the efforts of 45 TAFTAC member factories for the successful completion of the Model Green Factory Program. The training at the workshop had three main objectives – environmental data management, energy efficiency, and job and data management, which are integral to international sustainability standards. Minimum wages revised The National Council on Minimum Wage (NCMW) – a tripartite body comprising equal representation of labour unions, employer’s associations, and the government, increased the minimum wage for the textile, garment, footwear and travel product industries for 2025, through Prakas 211 which will come into force with effect from January 1, 2025. The new minimum wages will be $208 pm (per month) and $206 pm for regular and probationary workers, respectively. Earlier wages were $204 pm and $202 pm. Prakas 211 also outlined the minimum wage provisions for piece rate workers, who are compensated based on their level of output. These workers have the potential to earn more than the minimum wage if their production yields a higher pay rate. However, if their production results in earnings lower than the minimum wage, their pay is adjusted to meet the minimum wage threshold of $208 pm for regular workers or $206 pm for probationary workers. In addition to the minimum wage, workers will also receive the attendance bonus of $10 pm; travel and accommodation expenses of $7 pm; meal allowances of $0.50 per day; and overtime and seniority bonus of $2 to $11 pm for those between their second to the eleventh year of work. Fibre2Fashion News Desk (SB – WE)
Winston's performance in snowy win over Steelers adds new layer to Browns' quarterback conundrum