Angela Merkel's Memoir: A Tale of Leadership and ReflectionsTAMPA, Fla. , Dec. 5, 2024 /PRNewswire/ -- Marpai, Inc. ("Marpai" or the "Company") (OTCQX: MRAI), a technology platform company, which operates as a national Third-Party Administrator (TPA) through its subsidiaries and is transforming the $22 billion TPA market by offering affordable, intelligent, healthcare solutions to self-funded employer health plans, today announced the pricing of a private placement offering consisting of the issuance and sale of 621,194 shares of its Class A common stock (the "Common Stock"), par value $0.0001 per share, at a purchase price of $1.13 per Common Stock, for aggregate gross proceeds of $701,950 . The investors in the offering consisted of an institutional fund and certain officers and directors of the Company. The closing of the offering is expected to occur on or before December 6 , 2024.The company intends to use the net proceeds from the offering for general working capital. The securities issued in the offering are exempt from the registration requirements of the Securities Act of 1933, as amended (the "Securities Act") pursuant to Section 4(a)(2) of the Securities Act and/or Rule 506(b) of Regulation D promulgated thereunder. The securities have not been registered under the Securities Act and may not be sold in the United States absent registration or an exemption from registration. This press release shall not constitute an offer to sell or the solicitation of an offer to buy any of the securities described herein, nor shall there be any sale of these securities in any state or jurisdiction in which such offer, solicitation or sale would be unlawful prior to registration or qualification under the securities laws of any such state or jurisdiction. About Marpai, Inc. Marpai, Inc. (OTCQX: MRAI) is a technology platform company which operates subsidiaries that provide TPA and value-oriented health plan services to employers that directly pay for employee health benefits. Primarily competing in the $22 billion TPA sector serving self-funded employer health plans representing over $1 trillion in annual claims. Through its Marpai Saves initiative, the Company works to deliver the healthiest member population for the health plan budget. Operating nationwide, Marpai offers access to leading provider networks including Aetna and Cigna and all TPA services. For more information, visit www.marpaihealth.com , the content of which is not incorporated by reference into this press release. Investors are invited to visit https://www.ir.marpaihealth.com Forward-Looking Statement Disclaimer This press release contains forward-looking statements, as that term is defined in the Private Litigation Reform Act of 1995, that involve significant risks and uncertainties. Forward-looking statements can be identified through the use of words such as "anticipates," "expects," "intends," "plans," "believes," "seeks," "estimates," "guidance," "may," "can," "could", "will", "potential", "should," "goal" and variations of these words or similar expressions. For example, the Company is using forward looking statements when it discusses the expected closing date and the intended use of proceeds. Readers are cautioned not to place undue reliance on these forward-looking statements, which reflect Marpai's current expectations and speak only as of the date of this release. Actual results may differ materially from Marpai's current expectations depending upon a number of factors. These factors include, among others, adverse changes in general economic and market conditions, competitive factors including but not limited to pricing pressures and new product introductions, uncertainty of customer acceptance of new product offerings and market changes, risks associated with managing the growth of the business. Except as required by law, Marpai does not undertake any responsibility to revise or update any forward-looking statements whether as a result of new information, future events or otherwise. More detailed information about Marpai and the risk factors that may affect the realization of forward-looking statements is set forth in Marpai's filings with the Securities and Exchange Commission. Investors and security holders are urged to read these documents free of charge on the SEC's web site at http://www.sec.gov . View original content to download multimedia: https://www.prnewswire.com/news-releases/marpai-announces-pricing-of-700-000-private-placement-302324176.html SOURCE Marpai
Search for Christmas, Hanukkah joy in bittersweet timesEven with technology taking over much of our day-to-day lives, board games still offer quality entertainment that can’t be beaten. Of course, the popular board games of today are a far cry from the games your parents grew up playing. Board games are perfect for encouraging your family to work together or for bringing your group of friends around the table for an evening. If you’d like to start up a weekly game night, let this helpful list of the most popular board games be your guide. Utter Nonsense Ages 8+ This game will have every player rolling in stitches with each ridiculous phrase that’s uttered. Combine crazy accents and hilarious phrases to impress the Nonsense Judge and win the round. The player with the highest number of wins ultimately wins the game, but the true fun of this card game is listening to your fellow players trying to say some of the most entertaining phrases of all time. This game is perfect for game nights or parties. Speak Out Ages 8+ This hilarious game is perfect if you have teenagers or are hosting a party with all adults. To play, you insert a mouthpiece that alters the sound of your speech, making every word sound silly. Set the timer and read one of the phrases on the cards and try to help your teammate guess what you’re saying. Speak Out easily provides hours of fun that even grandparents will love. Escape Room in a Box Ages 13+ What’s the next best thing to trying to break out of a room? Escape Room in a Box, of course. This thrilling, immersive game involves solving 2D and 3D puzzles in order to prevent a mad scientist from turning you and your friends or family into werewolves. Work together to escape your fate and use Amazon Alexa to enhance the experience. Codenames Ages 14+ This fun strategy game is perfect for anyone with teenagers. Form two teams and select a spymaster on each team. Using clues, spymasters try to help their teammates find all 25 of the agents they’re in contact with, hopefully without selecting the other team’s agents or running into the deadly assassin. This innovative game offers a challenging and rewarding time working together. Harry Potter Clue Ages 9+ Excite your kids on game night with this modern twist on a classic. Play as six recognizable Hogwarts characters — Harry, Hermione, Ron, Luna, Ginny or Neville — to solve the mystery behind a fellow student’s disappearance. It’s up to you to figure out who attacked the student, what bewitching spell they used and where it occurred. Watch out for the Dark Mark, moving staircases and secret passages as you travel along in this magical family game. Pandemic Ages 8+ If you’ve ever wanted to save humanity from a deadly outbreak, you’ll love spending an hour playing Pandemic. You and your teammates must fight to contain four deadly diseases threatening the human race. Players must learn to work with their teammates to control outbreak hotspots and treat diseases. Win the game by curing all diseases without wiping out humanity first. Catan Ages 10+ This tactical 60-minute game will push your imagination to its limits as you embark on a journey across Catan. Acquire crucial resources as you travel, build roads, buildings, and cities, and be wary of the ruthless robber and other players halting you on your own road. Through careful trading and clever decisions, you can lead your travelers to victory in this role-playing game of limitless possibilities. Play again and again. Every game is different. Ticket to Ride Ages 8+ Train lovers will enjoy this innovative board game which has won numerous awards. This cross-country train adventure game mimics the concept of traveling around the world in 80 days. Collect train cars and claim railways across the country. Players earn the most points by establishing long train routes and connecting distant cities. Each game takes roughly 30 to 40 minutes to complete, and every adventure is different. 5 Second Rule Ages 10+ This quick-paced game gives each player five seconds to name items on a certain topic. Although the topics are objectively easy —“Name 3 Mountains,” “Name 3 Types of Hats” or “Name 3 Super Heroes,” the pressure of the time crunch is likely to put you on edge. Race the clock and remain composed to win this game. You can even make up your own topics if you prefer. Half the fun is just hearing what other people blurt out, whether it’s relevant to the topic or not. Prices listed reflect time and date of publication and are subject to change. Check out our Daily Deals for the best products at the best prices and sign up here to receive the BestReviews weekly newsletter full of shopping inspo and sales. BestReviews spends thousands of hours researching, analyzing and testing products to recommend the best picks for most consumers. BestReviews and its newspaper partners may earn a commission if you purchase a product through one of our links.
Even with technology taking over much of our day-to-day lives, board games still offer quality entertainment that can’t be beaten. Of course, the popular board games of today are a far cry from the games your parents grew up playing. Board games are perfect for encouraging your family to work together or for bringing your group of friends around the table for an evening. If you’d like to start up a weekly game night, let this helpful list of the most popular board games be your guide. Utter Nonsense Ages 8+ This game will have every player rolling in stitches with each ridiculous phrase that’s uttered. Combine crazy accents and hilarious phrases to impress the Nonsense Judge and win the round. The player with the highest number of wins ultimately wins the game, but the true fun of this card game is listening to your fellow players trying to say some of the most entertaining phrases of all time. This game is perfect for game nights or parties. Speak Out Ages 8+ This hilarious game is perfect if you have teenagers or are hosting a party with all adults. To play, you insert a mouthpiece that alters the sound of your speech, making every word sound silly. Set the timer and read one of the phrases on the cards and try to help your teammate guess what you’re saying. Speak Out easily provides hours of fun that even grandparents will love. Escape Room in a Box Ages 13+ What’s the next best thing to trying to break out of a room? Escape Room in a Box, of course. This thrilling, immersive game involves solving 2D and 3D puzzles in order to prevent a mad scientist from turning you and your friends or family into werewolves. Work together to escape your fate and use Amazon Alexa to enhance the experience. Codenames Ages 14+ This fun strategy game is perfect for anyone with teenagers. Form two teams and select a spymaster on each team. Using clues, spymasters try to help their teammates find all 25 of the agents they’re in contact with, hopefully without selecting the other team’s agents or running into the deadly assassin. This innovative game offers a challenging and rewarding time working together. Harry Potter Clue Ages 9+ Excite your kids on game night with this modern twist on a classic. Play as six recognizable Hogwarts characters — Harry, Hermione, Ron, Luna, Ginny or Neville — to solve the mystery behind a fellow student’s disappearance. It’s up to you to figure out who attacked the student, what bewitching spell they used and where it occurred. Watch out for the Dark Mark, moving staircases and secret passages as you travel along in this magical family game. Pandemic Ages 8+ If you’ve ever wanted to save humanity from a deadly outbreak, you’ll love spending an hour playing Pandemic. You and your teammates must fight to contain four deadly diseases threatening the human race. Players must learn to work with their teammates to control outbreak hotspots and treat diseases. Win the game by curing all diseases without wiping out humanity first. Catan Ages 10+ This tactical 60-minute game will push your imagination to its limits as you embark on a journey across Catan. Acquire crucial resources as you travel, build roads, buildings, and cities, and be wary of the ruthless robber and other players halting you on your own road. Through careful trading and clever decisions, you can lead your travelers to victory in this role-playing game of limitless possibilities. Play again and again. Every game is different. Ticket to Ride Ages 8+ Train lovers will enjoy this innovative board game which has won numerous awards. This cross-country train adventure game mimics the concept of traveling around the world in 80 days. Collect train cars and claim railways across the country. Players earn the most points by establishing long train routes and connecting distant cities. Each game takes roughly 30 to 40 minutes to complete, and every adventure is different. 5 Second Rule Ages 10+ This quick-paced game gives each player five seconds to name items on a certain topic. Although the topics are objectively easy —“Name 3 Mountains,” “Name 3 Types of Hats” or “Name 3 Super Heroes,” the pressure of the time crunch is likely to put you on edge. Race the clock and remain composed to win this game. You can even make up your own topics if you prefer. Half the fun is just hearing what other people blurt out, whether it’s relevant to the topic or not. Prices listed reflect time and date of publication and are subject to change. Check out our Daily Deals for the best products at the best prices and sign up here to receive the BestReviews weekly newsletter full of shopping inspo and sales. BestReviews spends thousands of hours researching, analyzing and testing products to recommend the best picks for most consumers. BestReviews and its newspaper partners may earn a commission if you purchase a product through one of our links.
House rejects Democratic efforts to force release of Matt Gaetz ethics report
Running back Jace Clarizio flipped his commitment from his local team, Michigan State, to Alabama. The decision, announced by Clarizio on social media Tuesday, comes after the East Lansing (Mich.) High standout visited head coach Kalen DeBoer's Crimson Tide on Nov. 16. "Great program," Clarizio told On3. "Playing on the biggest level. ... All the people and coaches I met and interacted with were all great people. The atmosphere was crazy." The 5-foot-11, 195-pounder is ranked as the No. 33 running back by On3 and tabbed No. 35 in their industry ranking. In May, he had verbally committed to the Spartans, where his father, Craig Johnson, was a running back and defensive back who was a member of the 1987 Rose Bowl-winning squad under coach George Perles. --Field Level Media
BERWYN, Pa. , Nov. 26, 2024 /PRNewswire/ -- Envestnet, Inc. (the " Company "), yesterday announced that, pursuant to that certain Agreement and Plan of Merger, dated as of July 11, 2024 , by and among the Company, BCPE Pequod Buyer, Inc. (" Parent "), a Delaware corporation, and BCPE Pequod Merger Sub, Inc. (" Merger Sub "), a Delaware corporation and a wholly owned subsidiary of Parent (the "Merger Agreement"), Merger Sub merged with and into the Company (the " Merger "), with the Company continuing as the surviving corporation. At the effective time of the Merger, each share of common stock, par value $0.005 per share, of the Company (the " Common Shares ") (other than any Common Shares (i) owned by Parent (or any of its affiliates), Merger Sub or the Company or any direct or indirect wholly owned subsidiaries of Parent (or any of its affiliates), Merger Sub or the Company, (ii) that are Rollover Shares (as defined in the Merger Agreement), (iii) held in treasury of the Company, and (iv) as to which appraisal rights have been properly exercised in accordance with Delaware law) was automatically cancelled, extinguished and converted into the right to receive $63.15 in cash per one Common Share. As a result, a Share Exchange Event and a Make-Whole Fundamental Change occurred under each of the Indenture, dated as of August 20, 2020 , among the Company, the guarantor party thereto and U.S. Bank Trust Company, National Association, as successor in interest to U.S. Bank National Association, as trustee (the " Trustee "), which governs the Company's 0.75% Convertible Notes due 2025 (the " 2025 Notes ") (such indenture, the " 2025 Indenture ") and the Indenture, dated of November 17, 2022 , among the Company, the guarantor party thereto and the Trustee, which governs the Company's 2.625% Convertible Notes due 2027 (the " 2027 Notes ", and together with the 2025 Notes, collectively and individually, the " Notes ") (such indenture, the " 2027 Indenture ", and together with the 2025 Indenture, collectively, the " Indentures ", and each, an " Indenture ", as applicable), triggering the adjustments to the conversion rights as described below. The effective date of the Share Exchange Event and Make-Whole Fundamental Change was November 25, 2024 (the " Effective Date "). Capitalized terms used and not defined herein have the meanings ascribed to them in the applicable Indenture. The Company announced that, pursuant to the terms of the respective Indenture, in connection with the consummation of the Merger which constitutes a Share Exchange Event under each Indenture, the Company and the Trustee entered into supplemental indentures to each Indenture providing that, following the effective date of the Merger, the right to convert each $1,000 principal amount of Notes into shares of common stock of the Company at the then applicable conversion rate shall be changed into a right to convert such principal amount of Notes solely into a number of units of Reference Property in an aggregate amount equal to the applicable conversion rate in effect on the conversion date (as may be increased by any Additional Shares), multiplied by $63.15 , the price paid per share of Common Stock in the Merger. Because the Merger constituted a Make-Whole Fundamental Change, the Notes are convertible, at the option of the Holder, at any time from the Effective Date until 5:00 p.m. , New York City time, on the business day immediately preceding the Fundamental Change Purchase Date to be determined by the Company and separately announced to the Holders in accordance with the terms of the Indentures as a result of the Merger (the " Conversion Period "). Also because the Merger constituted a Make-Whole Fundamental Change, the conversion rate for the 2027 Notes will be temporarily increased during the Conversion Period. Such conversion rate per $1,000 principal amount of the 2027 Notes increased by 3.2973 units of Reference Property from 13.6304 units of Reference Property to 16.9277 units of Reference Property. The Company's conversion obligation with respect to Notes that are converted prior to the end of the Conversion Period will be fixed at an amount in cash equal to $591.602 per $1,000 principal amount of the 2025 Notes validly surrendered for conversion, and $1,068.984 per $1,000 principal amount of the 2027 Notes validly surrendered for conversion. The right of the Holders to convert their Notes is separate from the right, at the Holder's option, to submit their Notes for purchase upon a Fundamental Change. If a Holder submits a Fundamental Change Purchase Notice, such Holder may not surrender such Notes for conversion unless the Holder validly withdraws such Fundamental Change Purchase Notice prior to the Fundamental Change Expiration Time. Holders should review the applicable Indenture carefully and should consult with their own financial and tax advisors. None of the Company, Merger Sub, Parent or any of their respective affiliates, or any of its or their respective boards of directors, employees, advisors or representatives or U.S. Bank Trust Company, National Association, in its capacity as trustee, paying agent or conversion agent with respect to the Notes, is making any representation or recommendation to any Holder as to whether or not to surrender or convert that Holder's Notes. The Trustee, Paying Agent and Conversion Agent is: U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION Corporate Actions 111 Fillmore Avenue St. Paul, MN 55107-1402 Telephone: (800) 934-6802 Email: cts.specfinance@usbank.com Any questions or requests for assistance in connection with the conversion of the Notes may be directed to U.S. Bank Trust Company, National Association, in accordance with the contact information listed above, or the Company. About Envestnet Envestnet is helping to lead the growth of wealth managers and transforming the way financial advice is delivered through its ecosystem of connected technology, advanced insights, and comprehensive solutions – backed by industry-leading service and support. Serving the wealth management industry for 25 years with more than $6.5 trillion in platform assets—more than 111,000 advisors, 17 of the 20 largest U.S. banks, 48 of the 50 largest wealth management and brokerage firms, more than 500 of the largest RIAs -- thousands of companies, depend on Envestnet technology and services to help drive business growth and productivity, and better outcomes for their clients. Data as of 9/30/24. View original content to download multimedia: https://www.prnewswire.com/news-releases/envestnet-inc-announces-make-whole-fundamental-change-and-supplemental-indentures-under-its-0-75-convertible-notes-due-2025-and-2-625-convertible-notes-due-2027--302317032.html SOURCE Envestnet, Inc.The All India Council for Technical Education (AICTE) has announced 2025 as the “Year of Artificial Intelligence (AI)” to shape India as a global leader in AI. The initiatives under this declaration by the technical education regulator will span across AICTE-approved institutions, impacting over 14,000 colleges and 40 million students nationwide. “With this bold announcement, AICTE aims to embed AI within the fabric of higher education, fostering innovation, ethics, and leadership to position India as a global leader in AI-driven progress,” AICTE said in a statement. AICTE chairman TG Sitharam in a letter has urged all its affiliated institutions to submit their AI implementation plans by December 31, 2024, which will be reviewed by its approval bureau, with top submissions featured as benchmarks for other institutions. He has urged the AICTE-approved institutions to adopt five measures to “affirm India’s leadership in AI”. Five measures include institutions taking pledge to make India a global leader in AI through innovation, ethics, and education, displaying this commitment prominently on campuses; launching AI awareness campaigns; updating curricula to include AI topic fostering interdisciplinary approaches; conducting workshops and certifications to equip faculty with AI teaching expertise; and partnering with AI-driven organisations to provide real-world exposure through internship, projects and mentorship. AICTE will organise workshops and certifications to upskill faculty in AI education. Students will receive real-world experience through internships, projects, and mentorships through collaborations of their colleges with global companies like Adobe, Cisco, and International Business Machines (IBM). Top-performing institutions will be recognised with awards as models of AI excellence. “As we dedicate 2025 as the Year of Artificial Intelligence, let us unite to build a future-ready workforce. Together, we can shape India as a global leader in AI innovation, ethics, and education, fulfilling our shared vision of self-reliance and prosperity,” Sitharam said. Officials at AICTE-approved institutions are adopting AI in their courses to prepare students for job-markets. Institutions are also conducting teachers training by industry experts to empower them. Ankit Chaudhary, professor and acting dean at School of Engineering (SoE), Jawaharlal Nehru University (JNU) said, “Dr. Ankit Chaudhary, professor of Computer Engineering at the School of Engineering (SoE), Jawaharlal Nehru University (JNU) said, “In the first year, all BTech students are introduced to Data Science. In the second year, they study Introduction to Artificial Intelligence. Third-year students are taught Machine Learning (ML) and Computer Vision, while fourth-year students explore Deep Learning and Natural Language Processing (NLP). Technology changes after every five years and we have to update ourselves accordingly. Students are needed to learn job-market relevant skills and usage of AI in BTech syllabus will boost their employability. We regularly take feedback from industry leaders and prepare curriculum to train our students for better jobs.” SoE offers two BTech programs: Computer Science and Engineering (BTech CSE) and Electronics and Communication Engineering (BTech ECE). Sujith Kumar, a professor at T John Institute of Technology, Bengaluru, said, “We have already added topics related to AI in some of our courses. As asked by AICTE, we are making plans to use AI to reshape education. We will organise seminars to raise awareness about AI among students” Ashok Kumar Mittal, founder chancellor of Lovely Professional University (LPU), Phagwara said that there are challenges in adopting new technologies due to less training opportunities, and resistance to change. “To empower educators, LPU has established a comprehensive professional development program. This initiative includes workshops, seminars, and hands-on training sessions conducted by experts in the field of AI and education technology. Teachers are introduced to a variety of AI tools such as adaptive learning platforms, virtual tutors, and data analytics software tailored for educational use. They learn how to integrate these tools into their lesson plans to improve learning experiences for students,” he said. LPU offers several AICTE-approved courses in engineering, management and pharmacy among others.
Taliban leaders in Afghanistan hosted meetings Tuesday with a high-level delegation from neighboring Pakistan, marking the resumption of such interactions after a year-long pause due to terrorism allegations. Mohammad Sadiq, Pakistan’s newly appointed special envoy for Afghan affairs, led his country’s team at the talks in Kabul with Taliban Foreign Minister Amir Khan Muttaqi and Interior Minister Sirajuddin Haqqani, among others. Muttaqi’s office said in a post-meeting statement that the delegations focused on enhancing diplomatic, trade, and transit relations between the countries, which share a nearly 2,600-kilometer border. The chief Taliban diplomat stated that Kabul “desires positive relations” with Islamabad. Muttaqi said without elaborating that to develop trade and transit ties further, both governments “must enhance mutual coordination, facilitate travelers’ cross-border movement, and address issues straining relations between Afghanistan and Pakistan. The Taliban’s statement quoted Pakistani envoy Sadiq as saying that his mission was to “bolster” bilateral political, economic, commercial, and transit relations. “Held wide-ranging discussions. Agreed to work together to further strengthen bilateral cooperation as well as for peace and progress in the region,” the Pakistani envoy wrote on his X social media platform. Sadiq’s predecessor, Asif Ali, visited Kabul in September 2023 when Pakistan was experiencing a dramatic rise in terrorist attacks attributed to the outlawed Tehrik-i-Taliban Pakistan, or TTP, with Islamabad persistently alleging the militant group was orchestrating the deadly cross-border violence from its Afghan “hideouts.” TTP attacks have since intensified and killed hundreds of Pakistani civilians as well as security forces, leading to a further deterioration in relations. "Given the current circumstances, we must expedite our collaborative efforts to safeguard the relationship between our peoples and ensure regional stability and development," Haqqani’s office quoted him Tuesday as telling the Pakistani delegation. He stressed “the urgency of accelerating joint efforts to resolve security and political challenges,” according to the statement. Taliban leaders have consistently denied allegations that Afghan territory is being used as a launching pad for attacks. The de facto Afghan government maintains it does not support the TTP or any other foreign militant group, describing the violence in Pakistan as an "internal problem" for the neighboring country to resolve rather than blaming Kabul for the crisis. Afghanistan is landlocked, relying heavily on Pakistani overland routes and seaports to conduct bilateral and international trade. Tensions over terrorism charges have led to a significant decline in Afghan trade and transit activities through Pakistan in recent months. The Taliban swept back to power in 2021, but no country has officially recognized them as the legitimate rulers of Afghanistan. Several neighboring and regional countries, including Pakistan, China, Russia, Turkey, Saudi Arabia, and Iran have retained their embassies in Kabul since the Taliban takeover, allowing the fundamentalist de facto rulers to take charge of Afghan diplomatic missions in their respective territories. Western countries have refused to open official contacts with the Taliban over their sweeping restrictions on Afghan women’s access to education, work, and most aspects of public life. The United Nations has turned down Taliban requests to let them represent Afghanistan at the global organization, citing the treatment of women. Taliban leaders defend their governance in line with Islamic law, known as Sharia, and Afghan culture, rejecting international criticism as interference in the country’s internal matters.FINAP Founder and CEO Dr. Kutila Pinto recently participated at the 40th ASOCIO Summit in Tokyo. At the summit, FINAP was awarded the prestigious ‘Outstanding Tech Organisation’ title—a recognition that marks the company’s transformation from a promising Sri Lankan start-up to a rising global leader in financial technology. In this interview Dr. Pinto shared insights about FINAP’s remarkable journey, the values driving the organisation, and its vision for the future. Below is an in-depth discussion on how FINAP is redefining financial technology and empowering communities both locally and internationally. A: This recognition is a monumental milestone for FINAP. It reflects the hard work of our team, the relevance of our solutions, and our commitment to empowering communities through innovative financial technology. Being acknowledged on such a global platform reaffirms that our mission and values resonate beyond Sri Lanka and inspire us to push further boundaries. A: FINAP’s early days were challenging but deeply formative. In Sri Lanka, the lack of innovation capital and limited fluidity in capital markets made securing funding particularly difficult. Despite external capital availability, I chose to inject my own capital and bootstrap the company to ensure its early survival. These constraints pushed us to innovate and operate efficiently. By refining our ideas and focusing on solving practical financial challenges for underserved communities, we built a resilient and adaptable foundation. Those early lessons continue to guide FINAP’s growth today. A: My career in banking and finance spans over two decades. I started as a banking assistant at Seylan Bank. I have worked in many markets; Asia, Middle East, Australasia and the Pacific. Towards the end of my career at banking, I served as general manager for Westpac Bank in the Solomon Islands and later as Director of Retail for Westpac Pacific, overseeing operations across the region. These roles gave me hands-on experience in understanding how financial systems work in diverse and often underserved markets. They highlighted the importance of tailoring solutions to meet local needs, which became a guiding principle for FINAP. A: Indeed, I was 36 years old when I established a fully-fledged commercial bank in the Solomon Islands. It was one of the most fulfilling achievements of my career. It was a challenging endeavour, involving regulatory complexities and building trust within the community. The experience taught me the importance of balancing innovation with responsibility and the power of financial systems to uplift communities. The political and the regulatory leadership of the country were very appreciative of my achievement. I am proud of my achievements and to do so as a Sri Lankan. It’s a mindset I carried forward into FINAP’s mission. A: Our journey involved constant adaptation and a relentless focus on innovation. One key breakthrough was the development of the Connected-Software-Solution-Application-Concept (CSSAC), a framework that underpins our flagship products like CIXOR, FirstMicro, ECORU, and MULA. By staying attuned to market feedback, we created solutions that are scalable and adaptable, meeting the needs of financial institutions and the communities they serve. A: CSSAC is a concept I developed during my DBA studies at UCAM, Spain. It stems from my thesis, “A Study of Infusion of Technology to Microfinance Operators to Achieve Sustainability and Technology-driven Value Chain Architecture for Efficiency and Outreach: The Case of Sri Lanka. “CSSAC provides a simplified yet powerful interface that connects borrowers and lenders, improving accessibility and efficiency. This framework forms the backbone of FINAP’s platforms, ensuring they remain intuitive, scalable, and impactful. A: Our platforms are designed to make financial services accessible to micro-entrepreneurs and small-scale producers, offering them tools to grow their businesses and improve their livelihoods. We work closely with microfinance institutions and nano-lenders to ensure they can provide credit and other financial services in a sustainable, user-friendly way. This approach empowers individuals while driving economic growth from the ground up. A: Solutions like FirstMicro and CIXOR enhance the operational capabilities of microfinance providers by offering real-time data access, mobile-first transaction systems, and scalability. These tools allow institutions to serve more clients efficiently while improving the borrower experience. Using FINAP’s solutions, micro and small borrowers gain access to lending opportunities that leverage their business cash flow as a foundation for creditworthiness. This empowers them to borrow with confidence and reinvest in their businesses, creating opportunities for growth and sustainability. Ultimately, our platforms help build a robust microfinance ecosystem models where small financial operators and borrowers can thrive, driving economic inclusion and community empowerment. A: The future of FINAP lies in deepening our dual focus on financial technology and software services, driving innovation and impact across both domains. On the financial technology front, we are laser-focused on scaling our flagship products, FirstMicro and CIXOR, to new markets. These platforms have already proven to be transformative in fostering financial inclusion and efficiency for microfinance institutions and nano-lenders. By expanding their reach, we aim to position FINAP as a global leader in fintech, empowering underserved communities worldwide. Importantly, we remain committed to championing the United Nations’ Sustainable Development Goal 1: No Poverty, by enabling grassroots entrepreneurs and micro-producers to access fair and sustainable financial solutions. At the same time, we’re scaling up our software services operations. This channel enables FINAP to deliver custom software solutions across industries, enhancing efficiency and innovation for businesses globally. As part of our growth strategy, we’re planning a targeted expansion into selected European markets, including the Netherlands, Belgium, and Germany. These countries represent dynamic opportunities for us to showcase Sri Lankan expertise on a global stage while delivering value to international clients. Through these two operational channels, we aim to continue excelling as a Sri Lankan success story, a company that not only uplifts local and regional communities but also contributes to the prosperity of neighbouring countries in South Asia and beyond. Our mission is to ensure that FINAP’s technology solutions not only address immediate challenges but also lay the foundation for long-term economic empowerment and innovation. Looking ahead, we envision FINAP as a global brand synonymous with technology-driven empowerment and resilience, leading with purpose and delivering solutions that truly make a difference. This vision is rooted in our belief that technology can be a force for good, and with it, we can create a more inclusive and equitable future. A: I’m driven by the belief that technology has the power to transform lives. Seeing how our solutions help individuals and businesses overcome financial barriers inspires me daily. At FINAP, our goal is to make financial systems work for everyone, especially those at the grassroots level. This mission fuels my passion and guides our journey forward. FINAP’s story is one of resilience, innovation, and purpose. From its humble beginnings to earning global recognition, it stands as a testament to how technology and vision can create meaningful impact. A: Entrepreneurship is a journey that requires resilience, adaptability, and a strong sense of purpose. My first piece of advice is to focus on solving real-world problems. If your solution creates genuine value, it will naturally attract customers and support. Be prepared for challenges—financial, operational, and even personal. Build a network of mentors and peers who can provide guidance and perspective. In the tech space, staying agile is crucial; listen to market feedback and be willing to pivot when necessary. I would also emphasise the importance of financial discipline. Many startups falter because they lack a clear understanding of how to manage resources effectively. Whether you’re bootstrapping or raising external capital, every dollar should work towards achieving your vision. Finally, embrace the long-term mindset. Success in entrepreneurship rarely happens overnight. Stay committed to your goals, and remember that the lessons learned from failures are often the foundation of future success. As Richard Branson once said, “Business opportunities are like buses; there’s always another one coming.” Keep moving forward, and don’t let setbacks define your journey.
Vehicle Leasing Market In Europe size is set to grow by USD 12.17 billion from 2024-2028, cost-effective ways of obtaining vehicle boost the market- Technavioc hambers of j ustice Cricket scores, the rising cost of petrol, a new restaurant - these are the comfortable conversations that fill our days in Pakistan. There is a truth that we hold back, though, like a bitter pill lodged in our throats: the shadow of sexual violence looming over the country, shrouding the sanctity of our most familiar spaces - your bedroom, a classroom, the office, a crowded bus, a playground, the arms of a close relative and even your marital bed. The only way to obliterate the darkness of this shadow is to drag it screaming into the light. So, let’s talk about sexual violence in Pakistan. Not to sensationalise, but to understand, to heal, and to fight for a future where fear of violation does not seep into every corner of a safe space. On July 9, 2024, 20-year-old Sania Zehra, who was pregnant, was brutally raped, tortured, and murdered by her husband in Multan. Similarly, on September 9, 2020, a woman was raped on a highway in Lahore, with her two traumatised children as witnesses. In Pakistan, only 10 per cent of rape cases are reported, yet even these figures reveal a woman is raped every two hours - a statistic that barely scratches the surface of the harsh reality. This violence extends adult women; an average of 12 children per day - or one every two hours - were subjected to sexual abuse in Pakistan in 2023. The rape and murder of 6-year-old Zainab Ansari in January 2018 shook the country, but lessons remained unlearned. Moreover, according to the Anti Rape Crisis Cell Karachi, underage boys have recently been more at risk than underage girls. The reason rape cases and sexual assault cases in general in Pakistan are unrevealed is because society assigns the responsibility of maintaining ‘honour’ to the victim- usually women. According to the data provided by some non-governmental organisations, nearly 1,000 women are killed in the name of honour in Pakistan every year. However, this societal pressure also affects males, particularly underage boys, who fear being perceived as less ‘masculine’ if they disclose their victimisation by other men. Additionally, sexual violence, particularly against children and women, is exploited as a profitable business through trafficking. This highlights that sexual violence is about domination and control over another person’s bodily autonomy. Traffickers force children and women into various forms of exploitation, including begging, forced domestic labour, prostitution, and bonded labour, creating a demand-and-supply chain that generates substantial profits for those involved, hence compelling more to join into this abhorrent money-making scheme. This drive to control other human beings also manifests in the form of female genital mutilation (FGM), a practice seldom discussed in Pakistan or globally, so much so that there are not many statistics available about it. This is done to control the female sexuality, and ensure her chastity, subsequently ensuring her fidelity once she marries. The physical marks left on the body are not prominent, but the psychological trauma is profound, affecting women during menstruation and sexual intercourse. This abominable act stands in stark irony next to the acts of sexual harassment so frequently carried out by men in Pakistan through the form of indecent exposure and ‘flashing’ of their genitals in public, and, with technology now, through unsolicited pictures online. Wielding their sexuality as a weapon to scare and threaten, men exercise their entitlement over other’s bodies and anxieties by freely exposing theirs, without fear of any consequences. Using sex and sexuality as a tool to harm is a common practice in Pakistan, corroborating the fact that sexual violence is not about lust or desire, but more so about power and entitlement. This is evident in various forms, including politically motivated sexual violence supported by governing bodies and the police. Adding onto this, marital rape is another method through which men exert control and ownership over their wives. This crime is rarely reported, and convictions are even more uncommon. Ultimately, the root causes of these atrocities are clear: the perpetrators, predominantly men, derive their audacity from a sense of entitlement. These acts aren’t driven by desire; they are about power and control. Laws alone are insufficient; casual sexism, degrading jokes, and victim-blaming create a breeding ground for such violence. Open conversations are crucial, as well as challenging the very notion of ‘izzat’ being tied to female sexuality. Pakistan can forge a brighter future, one where individuals walk freely, unafraid.
AP Sports SummaryBrief at 6:36 p.m. ESTSANTA CLARA, Calif. (AP) — Once-promising seasons hit new lows for the Chicago Bears and San Francisco 49ers last week. Another late-game meltdown sent the Bears to their sixth straight loss and led to the firing of coach Matt Eberflus. The 49ers suffered their second straight blowout loss and more crushing injuries to go from Super Bowl contenders to outside the playoff picture in a matter of weeks. The two reeling teams will try to get back on track on Sunday when the Bears (4-8) visit the 49ers (5-7) in Chicago’s first game under interim coach Thomas Brown . “I told them a minute ago after practice there is no confidence loss at all as far as what I think about them,” Brown said Wednesday. “I don’t care what anybody else thinks about them. I think we have a very talented football team. It’s about just putting the work in every single day to give us an opportunity to win.” The Bears are hoping to get an emotional boost from the first in-season firing of a head coach in franchise history. Over the last 10 seasons, teams with interim coaches are 13-11 in their first game with the new coach. Those teams had a .284 winning percentage at the time they fired their coaches. “I wouldn’t say a new voice was needed. I would say there was change that was needed,” rookie quarterback Caleb Williams said, pointing to a need for more accountability and better communication. The Niners came into the season as the favorites to get back to the Super Bowl from the NFC after losing the title game to Kansas City last season. But a series of key injuries, bad losses and spotty play have left them in last place in the NFC West with only slim hopes of even reaching the postseason. San Francisco lost 38-10 to Green Bay and 35-10 to Buffalo in back-to-back weeks and lost star running back Christian McCaffrey to a knee injury last week that will sideline him for at least the rest of the regular season. The Niners already lost key players Brandon Aiyuk and Javon Hargrave to season-ending injuries and are preparing to be without stars Nick Bosa and Trent Williams for a third straight week. “It’s just been a rocky mountain for real with the injuries and other stuff we’ve had to go through this season,” receiver Deebo Samuel said. “Our record don’t show how really good we are as a team. We’re still believing in this locker room.” Williams described Eberflus’ firing as “interesting” and “tough” and vowed to “roll with the punches” while insisting the chaos and turnover of the past few weeks could help him handle similar situations in the future. Just 12 games into his NFL career, the prized quarterback is on his second head coach and third offensive coordinator, though Brown will continue to call plays. How does he keep the faith that his career is in good hands with this organization? “The first part is understanding I can’t control,” Williams said. “Even if I understand or don’t understand, that doesn’t matter. I have to roll with the punches like I said before. I don’t control everything.” With McCaffrey and Jordan Mason injured, the Niners running game will turn to rookie Isaac Guerendo . The fourth-round pick has 42 carries for 246 yards and two TDs this season and will be making his second start in either college or the pros. Coach Kyle Shanahan said the progress Guerendo has made since training camp makes him ready for his new role as he sees him running with more “urgency.” “I think it takes guys some time,” Shanahan said. “You start to get a feel for it the more, if you’ve got the right stuff, the more you get reps, the more you can adjust to it. How hard you’ve got to hit stuff, how quick those holes close, how when there is a hole how you have to hit it full-speed and can’t hesitate at all or it closes like that. We’ve seen that stuff get better in practice and we’ve seen it carry over into games.” San Francisco’s usually stout run defense has been anything but that this season. The Niners have struggled to slow down the opposition on the ground all year with the problem getting worse recently. The 49ers allowed 389 yards rushing the past two weeks. “It’s been so frustrating because I know what is supposed to look like,” linebacker Fred Warner said. “That’s not it.” Stopping the run also continues to be a sore spot for Chicago. The Bears rank 25th overall against the run and 29th in yards allowed per rush after another difficult outing last week. They gave up 194 yards, including 144 in the first half as the Lions grabbed a 16-0 lead. Losing veteran defensive tackle Andrew Billings to a torn pectoral muscle last month did not help. He was injured in a Week 9 loss at Arizona and is expected to miss the remainder of the season after having surgery.Professor Delali Kwasi Dake is an Associate Professor of Computing and Information Technology at the Department of ICT Education, University of Education, Winneba, Ghana, and currently the Ag. Head of Department. He became an Associate Professor at age 36, making him one of the youngest to reach the Professorial rank in Ghana. Prof. Dake is a trained Computer Engineer with a PhD in Computer Engineering from the Kwame Nkrumah University of Science & Technology, Kumasi. Prof. Dake, in addition to being a lecturer, is the founder and CEO of Jobweb Africa. Jobweb Africa is a job aggregator platform across eight African countries, including Ghana, Kenya, Nigeria, Zambia, Uganda, Ethiopia, Tanzania, and Rwanda. Professor Dake is currently an external examiner for the Telecommunications Engineering Dept, KNUST and the Information Technology Dept, BlueCrest University College. He is an academic reviewer for highly indexed journals, including Signal, Image and Video Processing – Springer; Scientific Reports – Springer Nature; Journal of Network and Systems – Springer; Education and Information Technologies – Springer; Cluster Computing – Springer; Discover Computing – Springer; BMC Medical Informatics and Decision Making – Springer; Frontiers of Digital Education – Springer; BMC Oral Health, Data Science Aspect – Springer; MPDI Education Sciences – Scopus indexed; and PeerJ Computer Science – Scopus indexed . Prof. Dake has been invited to speak at top Artificial Intelligence summits. These include the 2nd Global Summit on Artificial Intelligence 2024 – Heighten Science Publications Inc, Webinar, USA; Ghana Data Science Summit 2024 – Indabax Ghana, KNUST, Ghana; and the Artificial Intelligence Summit, UEW, Winneba. His research focusses on educational data mining, artificial intelligence, reinforcement learning, intelligent systems, software-defined networks, and blockchain technology.
CS reviews preparations for Jammu Marathon
The Bears look for an interim coach bump when they visit the struggling 49ers
Federation of Retailer Association of India (FRAI), a representative body of about 80 lakh micro, small and medium retailers from across the country with a membership of 42 Retail Associations organised an event in New Delhi today to highlight the urgent need for enhanced technology support from the government for Kirana stores. Such support would enable the Kirana stores to remain competitive amidst the increasing encroachment into their space by quick commerce companies like Swiggy Instamart, Blinkit or Zepto. The retailers called upon the government to provide local Kirana stores with a technology platform that would allow them to compete on equal terms with quick commerce players, effectively creating a level playing field. The retailers acknowledged the shift in consumer preferences towards faster delivery and competitive pricing and expressed their willingness to adopt new technologies, become more efficient and provide better services to the customer. They also stressed that without government support to level the playing field, it would be difficult for small retailers to compete with the deep resources of larger e-commerce players. The retailers suggested that the technology platform could take the form of an Uber-like platform where customer orders are allocated to the first Kirana store that accepts them. On the platform, ratings can also be provided to the Kirana stores which will encourage them to provide the best possible services to customers. While outlining the technology platform for small shopkeepers, the retailers stressed that the present lot of quick commerce players or any big online player should be kept out of such a platform. Given their extensive resources, these big players could dominate such a platform, undermining the very purpose of supporting Kirana stores and leaving them once again at a disadvantage. In the event, FRAI highlighted the growing threat of organised players and emphasized that the rise of e-commerce and quick commerce platforms is putting the very existence of traditional Kirana stores at risk. These retailers have already suffered humungous financial setbacks in the last couple of years and are barely managing to sustain livelihood in the given the high inflationary condition. FRAI also highlighted that livelihood of millions of retailers are at stake and their shops are on verge of closure. Present at the event and supporting the cause of the Kirana Stores, Praveen Khandelwal, Member of Parliament, Lok Sabha said, “Our honourable Prime Minister Narender Modi has always the best interests and admiration for the small traders in his heart. The government, under his leadership, is fully attuned to the challenges faced by small retailers and is committed to addressing their needs. I also fully understand the difficulties that Kirana stores are facing due to the rise of quick commerce players. These platforms are pushing near-expired goods, stale fruits and vegetables, and engaging in deep discounting and predatory pricing, all while operating through dark stores. We will take up these issues in the Parliament and beyond, to ensure that such practices are addressed and that Kirana stores are protected. Today is Bharatiya Grahak Divas and I believe that both the shopkeeper and the consumers are two sides of the same coin. For shopkeepers, it is crucial to stay updated and embrace all channels to meet the evolving expectations of customers. I am committed to ensuring that traders and Kirana store owners receive the best digital tools to connect with their customers, enabling them to modernize, update, and computerize their businesses for the future.” At the event, the small retailers who had congregated from across the country voiced their concerns that the rise of e-commerce, particularly quick commerce, is fundamentally altering consumer behaviour, posing existential challenges to Kirana stores. This is creating a need for urgent intervention and regulation to protect small retailers. While e-commerce has been gradually reshaping India’s retail sector for years, it is quick commerce—ultra-fast delivery services that promise deliveries within 10–30 minutes—that is significantly driving a dramatic shift and pushing the traditional Kirana stores to the brink. Abhay Raj Mishra, Member & National Coordinator, Indian Sellers Collective and Honorary Spokesperson, FRAI said, “The technology support that the retailers are requesting can easily be created or facilitated by the government. Over the years, the present government has been a pioneer in providing citizens with essential services through technology by introducing world-first innovations like Aadhaar and UPI. With new technologies brought in by the government, like ONDC (Open Network for Digital Commerce), what is now required is a more focused approach in creating a specific solution for Kirana Stores that makes them as discoverable and accessible to customers, much like the way quick commerce companies are operating. Essentially, the Kirana stores should remain competitive by being empowered to tap into the growing digital market and meet new customer needs.” Speaking at the event, Gulab Khoda, Joint Secretary, Federation of Retailers Association of India, said, “One of the quick commerce industry manifestations that is eating into the business of Kirana Stores is the mushrooming of the dark stores. Dark stores are essentially the warehouses that stock all the items that a Swiggy Instamart or a Blinkit quickly delivers to their customers. These dark stores are located in densely populated areas to enable fast delivery within minutes. The kind of products stored by these dark stores are similar to those that are found in the Kirana store. But the quick delivery or discounts offered by the q commerce players cannot be matched by the local grocery store. Indeed, the dark stores are creating a situation where the future of Kirana stores is looking very dark!” The retailers voiced their opinion about the unfair advantage that quick commerce platforms have over Kirana stores. The Kirana stores cannot match the pricing offered by quick commerce giants who benefit from deep pockets, large warehouses and a huge customer base, all of which allow them to offer continuous heavy discounts to their customers. The deep discounting strategies of large e-commerce are often the result of their ability to absorb losses through high-volume sales and deep capital reserves, which the smaller businesses obviously cannot maintain or match. Many among these players have foreign funding and this will ultimately result in destabilising the kirana ecosystem and in a huge loss of self-employment in the country. In the bargain only low paying jobs will get created-a recipe that will make a few people rich and a large number poorer. The retailers highlighted that the unhealthy competition faced by Kirana stores is only going to intensify as larger e-commerce with even deeper pockets enter the market. They warned that it won’t be long before these big online companies lured by the gains made by the quick commerce players decide to enter the market with their own aggressive campaigns. With their vast resources and scale, these giants could potentially push smaller retailers out of business, further threatening the survival of Kirana stores across the country. Another point put forward at the event is that the increased competition from quick commerce players has resulted in stagnant sales for Kirana stores, particularly during high-demand periods such as the festive season. So facing a bleak future, the retailers urged the government to step in and protect them from the incursions of the quick commerce platforms and the looming threat posed by big online players. Another issue raised at the event was about the death of the traditional unique Indian entrepreneurship culture, as quick commerce corporate structures with their predatory approach will overpower the local Kirana store owner or the shopkeeper who have long thrived within their communities. The Indian traditional entrepreneurship is deeply rooted in local communities and often involves providing goods and services that are tailored to the needs and preferences of a specific market. This creates a strong sense of community and relationship-building between business owners and their customers. This is the unique tradition that will be lost forever if quick commerce and big online players are allowed to continue unabated in capturing the market.Ohio Bill Would Add New Paths to License CTE Teachers
AP News Summary at 5:36 p.m. ESTEven with technology taking over much of our day-to-day lives, board games still offer quality entertainment that can’t be beaten. Of course, the popular board games of today are a far cry from the games your parents grew up playing. Board games are perfect for encouraging your family to work together or for bringing your group of friends around the table for an evening. If you’d like to start up a weekly game night, let this helpful list of the most popular board games be your guide. Utter Nonsense Ages 8+ This game will have every player rolling in stitches with each ridiculous phrase that’s uttered. Combine crazy accents and hilarious phrases to impress the Nonsense Judge and win the round. The player with the highest number of wins ultimately wins the game, but the true fun of this card game is listening to your fellow players trying to say some of the most entertaining phrases of all time. This game is perfect for game nights or parties. Speak Out Ages 8+ This hilarious game is perfect if you have teenagers or are hosting a party with all adults. To play, you insert a mouthpiece that alters the sound of your speech, making every word sound silly. Set the timer and read one of the phrases on the cards and try to help your teammate guess what you’re saying. Speak Out easily provides hours of fun that even grandparents will love. Escape Room in a Box Ages 13+ What’s the next best thing to trying to break out of a room? Escape Room in a Box, of course. This thrilling, immersive game involves solving 2D and 3D puzzles in order to prevent a mad scientist from turning you and your friends or family into werewolves. Work together to escape your fate and use Amazon Alexa to enhance the experience. Codenames Ages 14+ This fun strategy game is perfect for anyone with teenagers. Form two teams and select a spymaster on each team. Using clues, spymasters try to help their teammates find all 25 of the agents they’re in contact with, hopefully without selecting the other team’s agents or running into the deadly assassin. This innovative game offers a challenging and rewarding time working together. Harry Potter Clue Ages 9+ Excite your kids on game night with this modern twist on a classic. Play as six recognizable Hogwarts characters — Harry, Hermione, Ron, Luna, Ginny or Neville — to solve the mystery behind a fellow student’s disappearance. It’s up to you to figure out who attacked the student, what bewitching spell they used and where it occurred. Watch out for the Dark Mark, moving staircases and secret passages as you travel along in this magical family game. Pandemic Ages 8+ If you’ve ever wanted to save humanity from a deadly outbreak, you’ll love spending an hour playing Pandemic. You and your teammates must fight to contain four deadly diseases threatening the human race. Players must learn to work with their teammates to control outbreak hotspots and treat diseases. Win the game by curing all diseases without wiping out humanity first. Catan Ages 10+ This tactical 60-minute game will push your imagination to its limits as you embark on a journey across Catan. Acquire crucial resources as you travel, build roads, buildings, and cities, and be wary of the ruthless robber and other players halting you on your own road. Through careful trading and clever decisions, you can lead your travelers to victory in this role-playing game of limitless possibilities. Play again and again. Every game is different. Ticket to Ride Ages 8+ Train lovers will enjoy this innovative board game which has won numerous awards. This cross-country train adventure game mimics the concept of traveling around the world in 80 days. Collect train cars and claim railways across the country. Players earn the most points by establishing long train routes and connecting distant cities. Each game takes roughly 30 to 40 minutes to complete, and every adventure is different. 5 Second Rule Ages 10+ This quick-paced game gives each player five seconds to name items on a certain topic. Although the topics are objectively easy —“Name 3 Mountains,” “Name 3 Types of Hats” or “Name 3 Super Heroes,” the pressure of the time crunch is likely to put you on edge. Race the clock and remain composed to win this game. You can even make up your own topics if you prefer. Half the fun is just hearing what other people blurt out, whether it’s relevant to the topic or not. Prices listed reflect time and date of publication and are subject to change. Check out our Daily Deals for the best products at the best prices and sign up here to receive the BestReviews weekly newsletter full of shopping inspo and sales. BestReviews spends thousands of hours researching, analyzing and testing products to recommend the best picks for most consumers. BestReviews and its newspaper partners may earn a commission if you purchase a product through one of our links.SANTA CLARA, Calif. (AP) — Once-promising seasons hit new lows for the Chicago Bears and San Francisco 49ers last week. Another late-game meltdown sent the Bears to their sixth straight loss and led to the firing of coach Matt Eberflus. The 49ers suffered their second straight blowout loss and more crushing injuries to go from Super Bowl contenders to outside the playoff picture in a matter of weeks. The two reeling teams will try to get back on track on Sunday when the Bears (4-8) visit the 49ers (5-7) in Chicago's first game under interim coach Thomas Brown. “I told them a minute ago after practice there is no confidence loss at all as far as what I think about them,” Brown said Wednesday. “I don’t care what anybody else thinks about them. I think we have a very talented football team. It’s about just putting the work in every single day to give us an opportunity to win.” The Bears are hoping to get an emotional boost from the first in-season firing of a head coach in franchise history. Over the last 10 seasons, teams with interim coaches are 13-11 in their first game with the new coach. Those teams had a .284 winning percentage at the time they fired their coaches. “I wouldn’t say a new voice was needed. I would say there was change that was needed," rookie quarterback Caleb Williams said, pointing to a need for more accountability and better communication. The Niners came into the season as the favorites to get back to the Super Bowl from the NFC after losing the title game to Kansas City last season. But a series of key injuries, bad losses and spotty play have left them in last place in the NFC West with only slim hopes of even reaching the postseason. San Francisco lost 38-10 to Green Bay and 35-10 to Buffalo in back-to-back weeks and lost star running back Christian McCaffrey to a knee injury last week that will sideline him for at least the rest of the regular season. The Niners already lost key players Brandon Aiyuk and Javon Hargrave to season-ending injuries and are preparing to be without stars Nick Bosa and Trent Williams for a third straight week. “It’s just been a rocky mountain for real with the injuries and other stuff we’ve had to go through this season,” receiver Deebo Samuel said. “Our record don’t show how really good we are as a team. We're still believing in this locker room.” Williams described Eberflus’ firing as “interesting” and “tough” and vowed to “roll with the punches” while insisting the chaos and turnover of the past few weeks could help him handle similar situations in the future. Just 12 games into his NFL career, the prized quarterback is on his second head coach and third offensive coordinator, though Brown will continue to call plays. How does he keep the faith that his career is in good hands with this organization? “The first part is understanding I can’t control,” Williams said. “Even if I understand or don’t understand, that doesn’t matter. I have to roll with the punches like I said before. I don’t control everything.” With McCaffrey and Jordan Mason injured, the Niners running game will turn to rookie Isaac Guerendo. The fourth-round pick has 42 carries for 246 yards and two TDs this season and will be making his second start in either college or the pros. Coach Kyle Shanahan said the progress Guerendo has made since training camp makes him ready for his new role as he sees him running with more “urgency.” “I think it takes guys some time,” Shanahan said. “You start to get a feel for it the more, if you’ve got the right stuff, the more you get reps, the more you can adjust to it. How hard you’ve got to hit stuff, how quick those holes close, how when there is a hole how you have to hit it full-speed and can’t hesitate at all or it closes like that. We’ve seen that stuff get better in practice and we’ve seen it carry over into games.” San Francisco's usually stout run defense has been anything but that this season. The Niners have struggled to slow down the opposition on the ground all year with the problem getting worse recently. The 49ers allowed 389 yards rushing the past two weeks. “It’s been so frustrating because I know what is supposed to look like,” linebacker Fred Warner said. “That’s not it.” Stopping the run also continues to be a sore spot for Chicago. The Bears rank 25th overall against the run and 29th in yards allowed per rush after another difficult outing last week. They gave up 194 yards, including 144 in the first half as the Lions grabbed a 16-0 lead. Losing veteran defensive tackle Andrew Billings to a torn pectoral muscle last month did not help. He was injured in a Week 9 loss at Arizona and is expected to miss the remainder of the season after having surgery.