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Category: Americas

  • MIL-OSI: CashX and OPMX, an International Retail Distributor of Latino Pharmaceutical Products, Announce Partnership that Supports Key Customers’ Financial Freedom

    Source: GlobeNewswire (MIL-OSI)

    CashX’s Self-Service Kiosks and Mobile Wallet App Launch Across the OPMX Retail Network in California, Colorado and Texas Beginning in October 2024

    SAN DIEGO and SAN FRANCISCO, Sept. 24, 2024 (GLOBE NEWSWIRE) — CashXAI Inc. (“CashX”) and OPMX are pleased to announce that they have signed an international agreement to install CashX Self Service Financial Services Kiosks at OPMX customers’ retail locations including approximately 500 supermarkets in California, Colorado and Texas. This expands CashX’s reach to comprise 5,000 retailers across the United States and over 5,000 locations in Mexico and Latin America.

    In addition to physical kiosk access, CashX offers its CashX Mobile Wallet Application, which enables consumers digital access to all their financial needs without an evaluation of financial history. This mobile solution consists of services including check cashing, money transfer, mobile recharge, bill payment, gift cards, e-tickets and other high demand financial transactions.

    Stephen Combe, CEO of CashX, said, “We are delighted to partner with OPMX and expand their offering with accessible financial offerings, providing additional vital services to the Latin Community. Pharmacies and supermarkets have long been a hub in Latin neighborhoods and stocked with OPMX’s well known and trusted brands and products that provide that close-to-home feel to consumers from other countries. With our recent steps to innovate CashX’s financial services infused with AI retail sector marketing technology, we provide consumers an adjacent essential utility that digitizes and simplifies routine purchases.”

    Fernando Garces, CEO of OPMX, commented, “We proudly maintain a strong presence in well-recognized locations that cater to the Hispanic community. Our strategic distribution network allows us to reach our valued customers in these vibrant communities, making our products readily available and accessible to those who matter most to us – adding Financial Services and helping our customer’s gain access to financial freedom is a key extension to our mission. We would also like to thank our channel partner, Mr. Quedon Baul for bringing this opportunity to us and facilitating the partnership between OPMX and CashX.”

    CashX Rollout Plan

    Installation of CashX solutions will begin in October 2024 in approximately 500 retailers in California, Colorado and Texas, with a parallel rollout throughout Mexico. Further expansion to all states and additional key countries in Latin America is expected in early 2025. The total network is expected to cover 5 countries and over 15,000 retail locations.

    The second phase of the rollout will launch CashX’s next generation of kiosks with AI integrated retail marketing strategies of consumers at point of sale, which is empowering the future interplay of business, consumers and retail advertising.

    About CashXAI Inc.

    CashXAI Inc., a leader in financial innovation, offers a dynamic platform for individuals lacking traditional banking access. The CashXAI mobile app simplifies converting cash into digital currency, supporting transactions from check cashing to money transfer without requiring a bank account. With an extensive retail network, CashXAI provides unparalleled financial freedom and management capabilities, empowering users to effortlessly control their finances from anywhere. CashXAI stands at the forefront of bridging financial gaps for underbanked communities. Further illustrating CashX’s innovative business structure, its previously announced intellectual property license agreement with Alpha Modus permits CashX with the exclusive right to use all of Alpha Modus’ patented intellectual property in connection with CashX’s promotional, advertising, and operational functions, including co-development arrangements with Alpha Modus, within the Exclusive Industry. The “Exclusive Industry” means the industry relating to self-service kiosks located in retail food, drug and convenience stores for the purpose of serving Unbanked and Underbanked consumers, by offering banking, phone and insurance solutions to the consumer. An “Unbanked” consumer means a person that does not have a checking or savings account with an FDIC-insured institution, and an “Underbanked” consumer means a person that has or had a checking or savings account with an FDIC-insured institution, but regularly uses non-traditional banks such as Venmo or the Cash App, or lenders such as a check cashing company or payday lender.

    For more information, please visit the CashX website at https://cashx.ai/.

    About OPMX

    OPMX are leaders in the Latino pharmaceutical market in the United States through stores and brands that connect consumers with their countries of origin, evoking trust and a feeling of being close to home.

    Latino consumers have a strong sense of cultural identity and pride in their heritage, and by seeing brands that represent their culture, they can feel an emotional connection to the products and companies behind them. With a focus on quality, cultural relevance, and a dedication to serving the Hispanic market in the United States, our pharmaceutical products stand as a testament to our unwavering commitment to providing innovative, effective, and compassionate healthcare solutions to this vibrant and diverse audience. Discover more at www.opmx.us

    Forward-Looking Statements Disclaimer

    This press release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended. In some cases, you can identify forward-looking statements by the following words: “anticipate,” “believe,” “continue,” “could,” “estimate,” “expect,” “intend,” “may,” “ongoing,” “plan,” “potential,” “predict,” “project,” “should,” “will,” “would,” or the negative of these terms or other comparable terminology, although not all forward-looking statements contain these words. Forward-looking statements are not a guarantee of future performance or results and will not necessarily be accurate indications of the times at, or by, which such performance or results will be achieved. Forward-looking statements are based on information available at the time the statements are made and involve known and unknown risks, uncertainty and other factors that may cause our results, levels of activity, performance, or achievements to be materially different from the information expressed or implied by the forward-looking statements in this press release. This press release should be considered in light of all filings of the Company that are contained in the Edgar Archives of the Securities and Exchange Commission at SEC.gov.

    Media Contact Details

    CashX

    André Mouton andre.mouton@cashx.ai

    OPMX

    Ricardo Silveira, COO r.silveira@opmx.us

    The MIL Network –

  • MIL-OSI Europe: ASIA/CHINA – The memory of the Jesuit Martino Martini still opens up paths of encounter and dialogue

    Source: Agenzia Fides – MIL OSI

    by Marta Zhao and Laura Gomez RuizHangzhou (Agenzia Fides) – China, the city of Hangzhou and the Chinese Catholic community have never forgotten Father Martino Martini.The great Jesuit missionary, appreciated by the emperors and welcomed at the court of the Qing Dynasty, was born in Trento, Italy, 410 years ago, on September 20, 1614. Even today, his story and his testimony arouse unexpected sympathy.As part of the celebrations organized by the Italian Embassy in Beijing for the 700th anniversary of the death of the traveler and merchant Marco Polo, the theme “In the footsteps of Marco Polo: Martino Martini” presented for the first time a series of important Italian personalities who, at different times and in different capacities, contributed to the dissemination of knowledge about China in the West.The Chinese President Xi Jinping has publicly expressed his appreciation for Martino Martini. In an article published in the daily newspaper Corriere della Sera on March 20, 2019, on the eve of his official visit to Italy, Xi Jinping described the Jesuit as a pioneer of the group of Italian sinologists who “have played a bridging role in relations between China and Europe, starting with Martino Martini’s first grammar of the Chinese language written for the West.”In Italy, the Martino Martini Study Center, based in Trento, now publishes, among other things, the biannual magazine “Sulla Via del Catai” on cultural relations between Europe and China.In the city of Hangzhou, a park bearing his name has been created around his mausoleum. Protected by the Zhejiang Provincial Cultural Heritage Authority, the site has become a kind of sanctuary for Chinese Catholics. The mausoleum, which is currently being restored, houses the remains of 15 famous Jesuit missionaries who ended their earthly lives near the beautiful Xizi Lake. Among them are Father Prospero Intorcetta (1626-1696), Father Nicolas Trigault (1577-1629), Father Lazaro Cattaneo (1560-1640) and Father Emmanuel Diaz (1574-1659).In 2018, an exhibition on the cartographic work of Martino Martini was inaugurated at the headquarters of the China-Italy Center in Hangzhou to celebrate the 375th anniversary of the arrival of the great missionary in that city (see Fides, 13/6/2018).The Catholic community of Hangzhou had organized an academic conference in 2010 to mark the 350th anniversary of the construction of the cathedral. Six well-known academics from Chinese universities and researchers working with Catholic institutions such as the Faith Institute for Cultural Studies (FICS) and the Guang Qi Press of the Diocese of Shanghai presented joint studies on the life and mission of the Jesuit in the presence of the Italian Consul in Shanghai. The legacy of Martino Martini was presented as “a strong impulse for today’s mission, so that it fulfills its mission with his sense of missionary responsibility, his courage and his dedication” (see Fides, 22/1/2010).The affection and veneration shown to the figure of Martino Martini are proportional to the intensity with which he lived his time and dedicated his life to proclaiming the Gospel in China.Martino Martini was born in Trento on 20 September 1614. In 1631 he entered the Society of Jesus as a novice. After studying at the Roman College under the influence of his mentor, the German Jesuit Athanasius Kircher, he entered the Eastern mission in 1640, traveling by ship from Lisbon in Portugal via Goa in India (November 1640) to Macao in China, where he arrived in August 1642. The following year he was sent to mainland China, thus beginning his legendary journey of cultural exchange between China and Europe. He wrote the first Western Chinese grammar and related works that contributed to cultural exchange, bridged the gap between China and Europe, and had a lasting influence on the emergence and development of Sinology in Italy.The period of his stay in China, during the Ming and Qing dynasties, was a time of great social unrest. The Jesuits, who had built good relations with influential sections of Chinese society and the political hierarchy, were worried about the development of the situation. The Chinese name they chose, Wei Kuangguo, encompassed all his good wishes: it indicated the will to defend and support the country and the desire for peace and prosperity in the world.But the unrest and conflict in China also divided the Jesuits and the Spanish mendicant orders and even infiltrated the Society of Jesus itself. The controversy over the Chinese translation of the divine name and the possibility that the new Christians should continue to practice the cult of the dead according to Chinese culture did not subside, but reached an intensity that even Martini could not contain, both inside and outside the order. An issue that was to shape the rest of his life.His travels and his writing formed the common thread in the second half of his life. During the first eight years of his stay in China (1643-1650), Martini traveled between the two capitals and to Hangzhou and Jinhua in Zhejiang. In the fourth year of Shunzhi’s reign (1647), Martino Martini, with the help of Zhu Shi, a parishioner of Lanxi in Zhejiang, wrote the “Qiu You Zhuan” (Treatise on Friendship, Hangzhou, 1661), which was based on the humanist thought already developed by the other Jesuit Matteo Ricci in his work of the same name, the first written in Chinese by the Italian Jesuit from Macerata.The southern part of Zhejiang, where Martino Martini was, was a region where Spanish monks also worked. He agreed with the information given by his confrere Matteo Ricci and was well aware of the differences with the Spanish Cistercians on the question of Chinese rites. In addition, the Spanish Dominican Juan Bautista Morales (1597-1664) had already traveled to Rome to express his objections to the Jesuits’ attitude in this dispute. When the Jesuit mission in China decided to send a representative to Europe to explain the situation from their point of view, the choice fell on Martino Martini.In 1651, the Jesuit traveled to Europe to defend the position of the Society of Jesus on the issue of Chinese rites. Thanks also to his good offices, in 1656 the Holy See issued an edict in favor of the Jesuits.During his travels in Europe, Martino Martini published three works in Latin: “De Bello Tartarico Historia”, “Novus Atlas Sinensis” and “Sinice Historia Decas Prima” (of which he also announced the publication of the sequel). These works were the most systematic, thorough and effective representations of China circulating in Europe at the time.In 1657 he returned to China and continued his mission in Hangzhou, where he completed the construction of the Church of the Redeemer in 1661 and died on June 6 of the same year at the age of 47. (Agenzia Fides, 24/9/2024)
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  • MIL-OSI Europe: AMERICA/PERU – Bilingual education for indigenous peoples: lack of teachers and adequate infrastructure

    Source: Agenzia Fides – MIL OSI

    Tuesday, 24 September 2024

    Iquitos (Agenzia Fides) – “We need authorities to defend the rights of girls, boys and young people of indigenous peoples, because they cannot continue to be excluded,” says Mariluz Canaquiri, a member of the indigenous people of the “Kukama Kukamiria” in the Peruvian Amazon, who complains about the decline in education among indigenous peoples.”The authorities do not care about the education of indigenous children, there is no adequate infrastructure and not enough bilingual teachers to teach them in our language,” says Canaquiri, who is also president of the women’s rights organization “Federation of Kukama-Kukamiria Women”.Intercultural bilingual education (IBE) is one of the educational policies in the South American country of 33 million inhabitants and 55 recognized indigenous peoples, four from the Andes and 51 from the Amazon.According to the results of the latest National Evaluation of Learning Outcomes (ENLA) published by the Ministry of Education, only 5.6 percent of fourth-grade elementary school students (10 and 11 years old) in IBE institutions in the Amazon region achieved the expected results. “There is no bilingual intercultural education here,” Canaquiri said. “How are they supposed to learn when our identity, our culture, our way of seeing the world are not taken into account in any way in the curriculum, and in logistical conditions where the school building is an area covered by branches and tree trunks in unbearable heat,” she noted in a statement to an international non-governmental organization.Although the first policy in favor of indigenous students was launched in 1972, more than half a century ago, it has always received little interest from the State, even though IBE is one of their individual and collective human rights. “They hire teachers because they speak Quechua, Shipibo, Asháninka or the equivalent, but when they go to school they do not apply the IBE. Sometimes they teach only in Spanish, sometimes they speak the children’s mother tongue, but everything else they read and write in Spanish,” reported one analyst.There are 24,000 schools affiliated to the IBE throughout the country, where most reinforce the students’ native language and teach them Spanish. Education policies try to ensure that the school population of indigenous peoples is bilingual and has oral and written skills, but studies by local researchers show that success is becoming increasingly limited.Despite this precarious situation, a small school in the rural community of Accollya, in the municipality of Soccos, almost 3,400 meters above sea level, in the province of Huamanga, one of the 11 provinces of Ayacucho, stands out positively. In the Andean department, affected by an internal armed conflict that Peru experienced between 1980 and 2000, the school is supported by an NGO and has a single teacher with 33 years of experience, but who has always been actively committed to bilingual intercultural education through training and in-depth courses. “I work in Spanish from Monday to Thursday and in Quechua on Fridays, using the notebooks that the ministry provides us for each subject,” says the teacher, who teaches ten students in first, second and third grade, aged six to eleven. “The response from the children is very good, from the first grade they learn to read and write, now it is September and the youngest can already read. That is the advantage of teaching different classes, because they motivate each other,” stressed the teacher.Also significant is the important contribution of the Catholic Church in the Amazon region in the field of education and health, where it has often taken the place of the State. Hundreds of missionaries have been true promoters of respect for human dignity throughout history. Religious and lay people from dozens of countries have sacrificed their lives in the most remote places to make the Amazon a place of coexistence and respect for the dignity and rights of all, especially the most vulnerable, largely indigenous peoples.Other initiatives to promote learning and the establishment of school libraries in these areas include the commitment of the “yachacs”, the wise men of the community, who hold intergenerational meetings and encourage reading among students and their families.The indigenous school population is estimated at 1.2 million nationwide, with the vast majority coming from the Quechua (700,000) and Aymara (300,000) peoples from the Andean areas of the country and the rest from Amazonian language groups such as Asháninka, Shipibo Konibo, Awajún and others.The Kukama Kukamiria people live mainly in the department of Loreto, the largest in the Peruvian Amazon. According to the Ministry of Culture, the population of the communities of the Kukama Kukamiria people is estimated at 37,053. Of these, 1,185 have declared that they speak the Kukama Kukamiria language, which represents 0.02% of the total number of indigenous languages in the country. (AP) (Agenzia Fides, 24/9/2024)
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  • MIL-OSI USA News: FACT SHEET: Biden-⁠ Harris Administration Accomplishments at the United  Nations

    Source: The White House

    Since his first day in office, President Biden has been committed to restoring American leadership at the United Nations. Our world today faces many challenges that no one country can or should confront alone. But when the United States shows up and leads at the UN, we can rally global action to tackle problems that affect us all. That is why the Biden-Harris Administration has worked tirelessly at the UN to advance American values, safeguard human rights for all, and address conflict and instability. Alongside our allies and partners from around the world, we have worked with UN agencies to tackle the climate crisis, shape our digital future, and fight poverty and disease.

    At a time of increasing geopolitical challenges and growing global needs, strong and effective American leadership at the UN is more critical than ever. The Biden-Harris Administration has worked to strengthen American leverage at the United Nations, uphold the UN Charter, and keep human rights at the core of the organization. Without robust American engagement, our competitor nations would gain leverage to advance their interests and values at our expense.

    The Biden-Harris Administration has also been committed to reforming and adapting the UN to the needs of the 21st century. For example, President Biden announced a new U.S. openness to expanding the membership of the UN Security Council, including permanent seats for Africa and Latin America. The UN is not a perfect organization, but given the scale of today’s challenges, the world needs global institutions that are more inclusive and effective.

    Over nearly four years, the Biden-Harris Administration’s leadership at the UN has delivered results for the American people. At the UN, we have:

    Responded to Threats to International Peace and Security

    • After Russia’s 2022 full-scale invasion of Ukraine, we worked at the UN to build support for Ukraine’s sovereignty and hold Russia to account. We rallied 141 countries in the UN General Assembly to condemn Russia’s violations of international law. We used UN Security Council debates to shine a spotlight on Russia’s illegal war and atrocities. We pressed the UN General Assembly to kick Russia off the UN Human Rights Council. We isolated Russia by denying it senior UN appointments and preventing its election to UN bodies.
    • Responding to the security situation in Haiti, we partnered with Ecuador to obtain UN Security Council authorization of a new Kenyan-led Multinational Security Support mission.
    • Working with African partners, we secured a UN Security Council decision to create in December 2023 a new mechanism to largely fund future African Union-led Peace Support Operations from the UN-assessed budget.
    • Following the horrific October 7 Hamas terrorist attacks on Israel, we defended at the UN Security Council Israel’s right to defend itself and demanded the release of hostages. Also in the Security Council, we called for increased humanitarian assistance to Gaza and established a new UN mechanism to improve aid coordination. In July 2024, we secured Security Council endorsement of President Biden’s plan for a ceasefire and hostage release deal.
    • As the Sudan conflict worsened, we mobilized action in the UN Security Council, including the adoption of a resolution in June 2024 demanding an end to the siege of El Fasher.
    • Responding to concerns that Russia intended to deploy nuclear weapons in space, we and Japan proposed a UN Security Council resolution calling on countries not to develop such weapons.
    • In 2022, we partnered with Ireland at the UN Security Council to reform, expand and strengthen humanitarian exemptions for UN sanctions.
    • Working with the United Kingdom, we secured adoption of the first-ever UN Security Council resolution condemning the February 2021 military coup in Burma.

    Protected and Upheld Universal Human Rights

    • We rejoined the UN Human Rights Council in 2021, enabling the United States to once again lead multilateral efforts to hold accountable human rights violators worldwide.
    • We issued a standing invitation to all UN thematic human rights monitors to visit the United States and assess our human rights record at home. In contrast to authoritarian governments, this invitation showed that a confident democracy is willing to have its record scrutinized and receive advice on strengthening rights protections for its citizens.
    • We pressed for the release of a landmark report from the Office of the UN High Commissioner for Human Rights on human rights violations against Uighurs in China.
    • We worked in the UN Human Rights Council to establish a new Special Rapporteur on Human Rights in Russia to examine Moscow’s crackdown on dissent at home and a Commission of Inquiry on violations and abuses in Russia’s war against Ukraine.
    • We restored American leadership at the UN in defending the human rights of LGBTQI+ individuals around the world. This included participating in high-level meetings of the Core Group of countries advocating for LGBTQI+ rights, including a September 23 meeting where the First Lady represented the United States. We also secured the renewal of the mandate of the UN’s Independent Expert on Sexual Orientation and Gender Identity and urged the UN to release its first-ever organization-wide strategy on LGBTQI+ rights, co-sponsoring the first-ever Human Rights Council resolution on the rights of intersex persons, and convening the second-ever informal UN Security Council meeting on the rights of LGBTQI+ individuals.
    • We spotlighted egregious human rights violations by North Korea, including by organizing the first briefing of the UN Security Council on North Korea human rights since 2017.
    • We helped establish mechanisms through the UN Human Rights Council to investigate human rights violations and abuses in Ethiopia, Sudan, and Nicaragua.
    • We worked at the UN to advance the global fight against antisemitism, including to ensure 36 countries and four multilateral organizations joined the U.S.-led Global Guidelines for Countering Antisemitism. In 2023, we convened a UN meeting on antisemitism with Second Gentleman Doug Emhoff and, in 2022, a roundtable at UNESCO.  
    • We advanced the UN’s work to promote racial equality, including by championing the inaugural session of the Permanent Forum on People of African Descent. We co-sponsored a UN General Assembly resolution designating July 25 as International Day of Women and Girls of African Descent.
    • We engaged seriously with the human rights treaty body process, including through periodic reports about our domestic human rights record to the Human Rights Committee and the Committee on the Elimination of Racial Discrimination.
    • Reaffirming support for the UN Declaration of the Rights of Indigenous Peoples, we pressed for enhanced participation of Indigenous Peoples throughout the UN system. In 2022, Ambassador (ret.) Keith Harper, the first-ever Senate confirmed U.S. ambassador from a federally-recognized tribe, was elected to the UN’s Permanent Forum on Indigenous issues.  
    • We supported efforts in the UN General Assembly to advance discussion of a proposed convention on the prevention and punishment of crimes against humanity.  
    • After assuming the presidency of the UN Convention against Corruption (UNCAC), we hosted the UNCAC conference in Atlanta, Georgia in 2023, with approximately 2,600 delegates, including an unprecedented 1,000 from civil society.

    Advanced Gender Equity and Equality

    • We restored American leadership in pressing at the UN for the rights of women and girls, advancing their inclusion in societies, and supporting strong language in UN resolutions and at the Commission on the Status of Women on sexual and reproductive rights.
    • The January 2021 Presidential Memorandum on Protecting Women’s Health at Home and Abroad restored life-saving funding to the UN Population Fund (UNFPA).
    • We announced that the United States will contribute for the first time to the UNICEF–UNFPA Global Program to End Child Marriage.
    • Following the Iranian regime’s killing of Mahsa Amini and crackdown on protestors, we helped establish a new UN Fact-Finding Mission to investigate human rights abuses. We spearheaded efforts to remove Iran from the Commission on the Status of Women.
    • In 2024, we reaffirmed the U.S. commitment to the 1994 International Conference on Population and Development Program of Action.
    • We launched the Global Partnership for Action on Gender-Based Online Harassment and Abuse, which included actions at the UN to address online safety for women and girls.

    Shaped Our Digital Future, Promoted Labor Rights, and Tackled Synthetic Drugs

    • We sponsored the first-ever UN General Assembly resolution outlining principles for the responsible use of artificial intelligence (AI). This landmark resolution helped define a global consensus on safe, secure and trustworthy AI systems for advancing sustainable development.
    • We hosted events at the UN on misuses of new technologies, such as countries using commercial spyware to surveil dissidents and journalists.
    • We worked at the International Labor Organization (ILO) to empower workers worldwide and joined the ILO’s Equal Pay International Coalition to share best practices to close the gender wage gap.
    • At the first Summit for Democracy in 2021, we announced the Multilateral Partnership for Organizing, Worker Empowerment and Rights (M-POWER), an initiative working with governments, trade unions, labor support, civil society organizations, and philanthropy to uphold and promote workers’ trade union rights around the world.
    • In coordination with the UN Office of Drugs and Crime (UNODC), we launched and hosted at the UN high-level meetings of the Global Coalition to Address Synthetic Drug Threats and secured adoption of a UN General Assembly resolution to enhance international action to fight such drugs.

    Strengthened Global Health Cooperation, Advanced Sustainable Development, and Bolstered Climate Action

    • We redoubled efforts to support implementation of the UN’s Sustainable Development Goals, launching a U.S. Strategy on Global Development to accelerate progress and mobilizing $150 billion of U.S. funding and billions more from the private sector, philanthropic, and other donor resources.
    • In 2021, we reversed the previous administration’s decision to withdraw from the World Health Organization (WHO), enabling the United States to shape the WHO’s work on global health and reform. With the WHO, we led the global response to the COVID-19 pandemic by launching the COVID-19 Global Action Plan and donating nearly 700 million vaccine doses to 117 countries.
    • We hosted the Global Fund to Fight AIDS, Tuberculosis and Malaria’s 7th Replenishment in 2022, resulting in more than 75 governments, foundations, and corporations delivering pledges totaling a record $15.67 billion.
    • We worked at the UN to advance universal health coverage, continue the fight against tuberculosis and mpox, and combat global antimicrobial resistance (AMR), including to push countries for commitments on AMR that are bold, aspirational, and implementable.
    • We focused attention at the UN on addressing global food insecurity, repeatedly using the U.S. presidency of the UN Security Council to focus on the nexus between food security and conflict. We hosted at the UN ministerial-level meetings to generate new commitments to expand agricultural capacity and respond to famine with over 100 partner countries.
    • U.S. Representative to the UN Ambassador Thomas-Greenfield and Secretary of the Interior Deb Haaland co-led the U.S. delegation to the 2023 UN Water Conference, where they announced more than $49 billion towards water security both at home and abroad.
    • In 2024, Secretary Haaland co-led the U.S. delegation to the Fourth International Conference on Small Island Developing States (SIDS4), where we announced new efforts to enhance our partnerships with SIDS.
    • After rejoining the Paris Agreement, we galvanized efforts at the UN to combat climate change, raising global climate ambition through countries’ enhanced national contributions, accelerated action to reduce pollution and greenhouse gas emissions, forward-leaning decisions at annual UN Climate Change Conferences, and major initiatives for ocean-climate action catalyzed by the annual Our Ocean Conference.
    • Former Special Presidential Envoy for Climate John Kerry and Senior Advisor for International Climate Policy John Podesta have helped lead an all-out effort, including critical agreements at the UN Climate Change Conference COPs 26 and 28 to partner with countries to accelerate climate efforts worldwide and reduce global emissions sufficiently to limit warming to 1.5° Celsius. 
    • We advanced efforts within the International Civil Aviation Organization, the International Maritime Organization, and other multilateral organizations to reduce greenhouse gas pollution from the aviation, shipping, and other sectors.

    Strengthened American Presence at the United Nations

    • After a five-year absence, we rejoined the UN Education, Scientific, and Cultural Organization (UNESCO). This allowed us to partner with UNESCO to combat the scourge of antisemitism, support global Holocaust education, promote journalist safety, safeguard Ukrainian cultural heritage, bolster ethical uses of AI, and advance science education for girls in Africa.
    • We led robust campaigns resulting in the election of U.S. citizens to key UN positions, including Doreen Bogdan-Martin as Secretary-General of the International Telecommunication Union (ITU), Amy Pope as Director-General of the International Organization for Migration (IOM), and Sarah Cleveland as Judge on the International Court of Justice (ICJ).
    • We supported the appointments of highly qualified Americans to lead UN agencies, such as Ambassador Cathy Russell as Executive Director of UNICEF, Ambassador Cindy McCain as Executive Director of the World Food Program, and Ian Saunders as Secretary-General of the World Customs Organization.
    • Co-chairing the UN Accessibility Steering Committee, we worked to make UN headquarters in New York more accessible for all delegates, including construction of a 24/7 entrance for wheelchair users and the installation of a lift so everyone can address the General Assembly from behind the official rostrum.

    ###

    MIL OSI USA News –

  • MIL-OSI USA: ICYMI: Murphy Administration Releases Innovative 2024 Statewide Water Supply Plan to Modernize Water Policy and Enhance Climate Resilience

    Source: US State of New Jersey

    TRENTON – Kicking off Climate Week, Environmental Protection Commissioner Shawn M. LaTourette today announced the release of the final 2024 New Jersey Statewide Water Supply Plan, which for the first time assesses water supply challenges resulting from climate change and offers climate resilience solutions. Climate Week provides an opportunity for the public to learn about the many ways climate change is threatening the planet and the steps that can be taken to become more resilient and mitigate its impacts.

     

    The water supply plan concludes that, under normal conditions and in most regions, New Jersey has adequate volumes of source water supply and is well-positioned to address water supply challenges as long as the state continues to take actions to mitigate the threats of climate change, aging infrastructure and emerging contaminants.

    “The Statewide Water Supply Plan plays a critical role to inform local water supply management decisions by presenting the newest science to better prepare us for the challenges brought on by our changing climate,” said Commissioner LaTourette. “In addition to upgrading our aging infrastructure, a healthy water supply is dependent on constant reevaluation of how we can use water more efficiently to protect it for future generations.”

    Consistent with the state’s comprehensive approach to making New Jersey resilient to the worsening impacts of climate change, the 2024 plan seeks to assess the threats of climate change to the state’s water supply. Of particular concern are temperature, precipitation, and sea-level changes, which will significantly impact water quantity, where and when it is available, and its quality. The plan also examines how emerging contaminants may impact water supply.

    “New Jersey’s climate is changing. From increased temperatures to sea-level rise, these climate impacts can pose a threat to our water supplies if not properly addressed by proactive planning, management, and permitting,” said State Geologist Steven Domber. “By conducting comprehensive monitoring that factors in climate impacts such as increased temperatures, we can develop models and identify trends that will help local water users make informed decisions to ensure New Jerseyans have access to reliable and safe supplies of water now and in the future.”

    A 60-day public comment period followed the release of the draft plan on February 26, 2024. The DEP then held two public meetings (one in-person and one virtual) and reviewed and incorporated comments from those meetings before finalizing the plan. Both the plan and a summary response to comment report are available at dep.nj.gov/water-supply-plan.

    The DEP has also developed a new interactive website that outlines key information from the plan for specific audiences, including residential users, water professionals and others to summarize key plan topics, such as climate change and environmental justice. The website can be found at dep.nj.gov/water-supply-plan/storymap. The site will be updated as additional data and plan updates become available.

    Water Supply Planning

    The Water Supply Management Act (N.J.S.A. 58:1A-13) directs the DEP to prepare the New Jersey Statewide Water Supply Plan, analyze water supply data, examine associated risks, study projections, and make recommendations for effective management of the state’s water supplies.

    The initial version of the plan was adopted in 1982 and updated in 1983, 1985, 1987, 1991, and 1993. Major revisions occurred in 1996 and 2017. The 2024 plan will be updated again in five years, but some aspects may be revised sooner.

    The plan must carry out its assessments and recommendations from both statewide and regional perspectives to pursue comprehensive management addressing the diversity of water supply issues faced in different areas of New Jersey.

    Drafted to align with the DEP’s related water regulations and policies, the plan provides guidance for state and regional groups making decisions concerning water supply. One of the primary goals of the plan is to put forward defined, actionable steps that the DEP can take to ensure water supplies are sufficient, in quality and quantity, to meet existing and future needs.

    Water Supply Challenges Assessed

    New Jersey has repeatedly faced a confluence of water resource challenges that have tested both infrastructure and responsiveness. Extremely low precipitation and streamflow in summer 2022 led the DEP to declare a Drought Watch, the first in more than six years. During the same period, aging infrastructure failed, resulting in massive water main breaks; water systems were required to address sources contaminated with per- and polyfluoroalkyl substances (PFAS), and harmful algal blooms were worsened by extremely warm temperatures. Additional challenges occurred in 2023, with four months experiencing near record temperatures and the state having its wettest December on record.

    The combination of these challenges in 2022 and 2023 severely tested the resilience of New Jersey’s management of water resources. Such conditions are expected to persist or worsen in the future, requiring the DEP and its partner institutions to delicately balance the management of water resources by carefully administering planning, regulatory, investment and incident response initiatives.

    Recommended Action Areas

    The availability of surface water, unconfined groundwater, and confined aquifers, the use of which varies geographically, was modeled to investigate potential shortages. Although not evenly distributed throughout the state, total natural water resource availability (including reservoirs) remains about the same as the 2017 New Jersey Statewide Water Supply Plan determined. However, current and forecasted use did change, and a few regions showed potential shortages. The plan provides details and recommendations to address these areas.


    To meet requirements and ensure that New Jerseyans continue to have ample, reliable, and safe supplies of water now and in the future, the following action areas are covered in the plan, with greater detail on each found in Chapter 8, and elsewhere throughout the plan:

    • Hydrologic Data, Monitoring, Models, and Assessments: The availability of long-term and real-time hydrologic datasets are critical pieces of information the DEP uses to quantify trends, characterize current conditions, and to build and calibrate models. This information is used to ultimately make informed decisions and to update future water supply plans.
    • Climate Change – Water Availability Research and Modeling: This plan and its recommendations benefit from the availability of sound and reliable climate change science. This science continues to evolve, and the DEP will remain committed to monitoring new developments, with a particularized focus on the regional and local impacts of climate change upon New Jersey and its natural resources. As new and additional climate change data becomes available, it will be utilized to improve DEP water supply models and monitoring methods to more effectively mitigate and manage climate change impacts to water resources.
    • Climate Change – Infrastructure Resilience Recommendations: The DEP develops recommendations and establishes criteria to improve the resilience of water infrastructure and mitigate the adverse impacts of climate change upon the state’s water supply, including through actions to reform relevant DEP policies, protocols, statutes, or regulations pertaining to water infrastructure assessments and modifications.
    • Regional and Statewide Water Supply Planning and Protection: Water supply planning is a critical element to ensure that the state continues to have adequate supplies of acceptable quality to meet all current and future needs, and to balance human uses with ecological needs. Regional and statewide planning is adaptive and evolves as new information becomes available or issues emerge. The plan prioritizes regions of New Jersey where future planning efforts should be focused.
    • Water Policy Modernization: The DEP is obligated and empowered to improve and protect water supply resources and water system infrastructure to ensure water availability and the delivery of safe drinking water to homes and businesses. In some cases, the federal and state laws and regulations that give rise to these obligations are fit for modernization to better position the state and its water providers to confront new and evolving water supply challenges.
    • Asset Management and Resilience: Maintenance and improvement of infrastructure is key to effective and successful water supply management, and critical to ensure the state has access to clean and plentiful drinking water. Proper asset management can reduce water incidents and emergencies, limit disruptions to customers, and reduce long-term costs.
    • Policies and Priorities for Efficient Water Use: The plan identifies key policy priorities for the DEP as it continues to regularly re-evaluate new technologies and research to ensure the responsible and efficient use of the state’s water resources.
    • Public Outreach: DEP is committed to continuing public education and engaging with people and communities it serves on key water supply issues and initiatives.
    The DEP’s Our Water’s Worth It campaign works to draw attention to the importance of clean water in our lives, from drinking water to supporting vibrant ecosystems and health places for recreation. An important focus of the campaign is educating the public on reducing potential lead exposure in drinking water.

    NEW YORK, NY — The U.S. Climate Alliance, a bipartisan coalition of 24 governors representing approximately 60 percent of the U.S. economy and 55 percent of the U.S. population, today launched the Governors’ Climate-Ready Workforce Initiative to grow career pathways in climate and clean energy fields, strengthen workforce diversity, and jointly train 1 million new registered apprentices by 2035 across the Alliance’s states and territories.

    Today’s announcement was made at a Climate Week NYC event featuring Alliance co-chairs New York Governor Kathy Hochul and New Mexico Governor Michelle Lujan Grisham, founding member Washington Governor Jay Inslee, and White House National Climate Advisor Ali Zaidi.

    “In New York, we’re showing how climate action and economic growth go hand-in-hand,” said New York Gov. Kathy Hochul. “As a co-chair of the U.S. Climate Alliance, I’m proud to be collaborating with states, industry leaders, labor unions, higher education and community organizations to create the jobs of the future required to build a clean, equitable, and resilient economy. A skilled and well-prepared workforce will drive innovation, create new businesses, and ensure a sustainable, resilient future for our country.”

    “We need a climate-ready workforce — from EV technicians and heat pump installers to solar panel manufacturers — to meet our carbon reduction goals,” said New Mexico Gov. Michelle Lujan Grisham. “The Executive Order I’m issuing today in conjunction with the Alliance’s new Workforce Initiative will help ensure that workers from all backgrounds have access to the skills and training needed for high-quality, climate-ready jobs across New Mexico.”

    “We’re aligning our ambitious climate policies with workforce development to have 1 million more workers poised to take these good-paying, union jobs that serve our communities and strengthen our economies,” said Washington Gov. Jay Gov. Inslee. “These are economy-wide jobs, not just in clean energy but building trades, land management, clean technology and more. Climate Alliance states have a track record of meeting our ambitious goals and that momentum continues today.”

    “Under President Biden and Vice President Harris’s leadership, we are bringing down the barriers to economic opportunity, lowering costs for American families, and catalyzing a renaissance of American-made manufacturing that is creating jobs across America. In fact, just last year, we added over 250,000 new American energy jobs — with clean energy jobs growing twice as fast as the rest of the sector,” said White House National Climate Advisor Ali Zaidi. “Governors across America are at the forefront of our efforts to spur growth in union jobs, expand American energy production, and invest in the economic success of our communities. Today’s announcement will help capitalize on our momentum to create a climate-ready workforce that is rebuilding our nation’s infrastructure, communities, and industrial strength.” 

    The Initiative’s launch comes as historic federal investments, combined with ambitious state climate action, have unleashed a significant expansion of good-paying and union jobs in climate-ready fields — with millions more anticipated in the coming years under the Biden-Harris administration’s Inflation Reduction Act and Infrastructure Investment and Jobs Act. This includes high-quality jobs not only in clean energy and clean technology sectors — such as wind, solar, electric vehicles, energy efficiency, and batteries — but also in fields associated with climate resilience and natural climate solutions.

    Under this Initiative, Alliance states and territories will collaborate to collectively support 1 million new workers in completing Registered Apprenticeship programs across the coalition by 2035. These programs, registered with the U.S. Department of Labor or federally approved State Apprenticeship Agencies, provide an especially valuable and proven career pathway, empowering workers to earn while they learn in key climate-ready occupations and industries.

    Alliance members will also advance a series of collective goals aimed at strengthening and expanding pathways into a wide variety of climate-ready professions critical to building a clean, equitable, and resilient net-zero future. The Initiative’s goals include boosting job quality and ensuring climate-ready employment pathways lead to good-paying, high-quality jobs; expanding opportunities for workers from underrepresented and underserved communities; and promoting the use of stackable and portable credentials in climate-ready fields to build transferable skills, support reskilling and upskilling, and strengthen workers’ economic mobility. A full list of the Initiative’s goals can be found here.

    Finally, to advance sector-specific strategies, Alliance members will work together through new multi-state cohorts focused on in-demand, climate-ready fields. These cohorts will provide a platform for states and territories to increase collaboration, share evidence-based practices, engage experts and stakeholders, and develop sectoral workforce solutions that can be scaled across the country. Cohorts to be launched in the Initiative’s first year will focus on careers in the following areas:

    • Clean Energy, Fuels, and Technologies: Led by Michigan and New Jersey, this cohort will focus on careers in the design, construction, and maintenance of a clean, affordable, and resilient power system; the manufacturing and deployment of zero-emission vehicles and technologies; and the development and distribution of alternative, low-carbon fuels.
    • Clean Buildings and Industry: Led by Maine and Massachusetts, this cohort will focus on careers in the engineering, design, construction, retrofitting, maintenance, and operation of buildings and industrial processes that are clean, energy-efficient, healthy, and resilient.
    • Resilient Communities and Lands: Led by Arizona and Vermont, this cohort will focus on careers in the development and maintenance of safe, livable, and resilient communities; preparedness for and response to climate impacts such as extreme heat, wildfires, severe storms, flooding, and drought; and the deployment of natural climate solutions and climate-smart stewardship of our lands and waters. 

    The Initiative will be led by Alliance states and territories with support from the Alliance’s Secretariat. In implementing the Initiative, Alliance members will customize efforts to meet their individual needs and challenges, while working together to achieve the collective goals. States and territories will also collaborate directly with their workforce development system partners, labor unions, higher education institutions, industry, and other key partners that bring substantial expertise and experience in this work.

    This Initiative builds on a number of federal-state collaborations between the Alliance’s members and the Biden-Harris Administration, including a White House convening with Alliance governors’ offices in May focused on creating good-paying jobs and mobilizing a diverse workforce in climate and clean energy.

    Additional information on the Governors’ Climate-Ready Workforce Initiative can be found here.

    MIL OSI USA News –

  • MIL-OSI USA: Bowman, Recent Views on Monetary Policy and the Economic Outlook

    Source: US State of New York Federal Reserve

    Good morning. I would like to thank the Kentucky Bankers Association for the invitation to join you today for your annual convention.1 I appreciate the opportunity to share my views on the U.S. economy and monetary policy before we engage on community banking issues and other matters affecting the banking industry.
    In light of last week’s Federal Open Market Committee (FOMC) meeting, I will begin my remarks by providing some perspective on my vote and will then share my current views on the economy and monetary policy.
    Update on the Most Recent FOMC MeetingIn order to address high inflation, for more than two years, the FOMC increased and held the federal funds rate at a restrictive level. At our September meeting, the FOMC voted to lower the target range for the federal funds rate by 1/2 percentage point to 4-3/4 to 5 percent and to continue reducing the Federal Reserve’s securities holdings.
    As the post-meeting statement noted, I dissented from the FOMC’s decision, preferring instead to lower the target range for the federal funds rate by 1/4 percentage point to 5 to 5‑1/4 percent. Last Friday, once our FOMC participant communications blackout period concluded, the Board of Governors released my statement explaining the decision to depart from the majority of the voting members. I agreed with the Committee’s assessment that, given the progress we have seen since the middle of 2023 on both lowering inflation and cooling the labor market, it was appropriate to reflect this progress by recalibrating the level of the federal funds rate and begin the process of moving toward a more neutral stance of policy. As my statement notes, I preferred a smaller initial cut in the policy rate while the U.S. economy remains strong and inflation remains a concern, despite recent progress.
    Economic Conditions and OutlookIn recent months, we have seen some further progress on slowing the pace of inflation, with monthly readings lower than the elevated pace seen in the first three months of the year. The 12-month measure of core personal consumption expenditures (PCE) inflation, which provides a broader perspective than the more volatile higher-frequency readings, has moved down since April, although it came in at 2.6 percent in July, again remaining well above our 2 percent goal. In addition, the latest consumer and producer price index reports suggest that 12‑month core PCE inflation in August was likely a touch above the July reading. The persistently high core inflation largely reflects pressures on housing prices, perhaps due in part to low inventories of affordable housing. The progress in lowering inflation since April is a welcome development, but core inflation is still uncomfortably above the Committee’s 2 percent goal.
    Prices remain much higher than before the pandemic, which continues to weigh on consumer sentiment. Higher prices have an outsized effect on lower- and moderate-income households, as these households devote a significantly larger share of income to food, energy, and housing. Prices for these spending categories have far outpaced overall inflation over the past few years.
    Economic growth moderated earlier this year after coming in stronger last year. Private domestic final purchases (PDFP) growth has been solid and slowed much less than gross domestic product (GDP), as the slowdown in GDP growth was partly driven by volatile categories including net exports, suggesting that underlying economic growth was stronger than GDP indicated. PDFP has continued to increase at a solid pace so far in the third quarter, despite some further weakening in housing activity, as retail sales have shown further robust gains in July and August.
    Although personal consumption has remained resilient, consumers appear to be pulling back on discretionary items and expenses, as evidenced in part by a decline in restaurant spending since late last year. Low- and moderate-income consumers no longer have extra savings to support this type of spending, and we have seen loan delinquency rates normalize from historically low levels during the pandemic.
    The most recent labor market report shows that payroll employment gains have slowed appreciably to a pace moderately above 100,000 per month over the three months ending in August. The unemployment rate edged down to 4.2 percent in August from 4.3 percent in July. While unemployment is notably higher than a year ago, it is still at a historically low level and below my and the Congressional Budget Office’s estimates of full employment.
    The labor market has loosened from the extremely tight conditions of the past few years. The ratio of job vacancies to unemployed workers has declined further to a touch below the historically elevated pre-pandemic level—a sign that the number of available workers and the number of available jobs have come into better balance. But there are still more available jobs than available workers, a condition that before 2018 has only occurred twice for a prolonged period since World War II, further signaling ongoing labor market strength despite the reported data.
    Although wage growth has slowed further in recent months, it remains indicative of a tight labor market. At just under 4 percent, as measured by both the employment cost index and average hourly earnings, wage gains are still above the pace consistent with our inflation goal given trend productivity growth.
    The rise in the unemployment rate this year largely reflects weaker hiring, as job seekers entering or re-entering the labor force are taking longer to find work, while layoffs remain low. In addition to some cooling in labor demand, there are other factors likely contributing the increased unemployment. A mismatch between the skills of the new workers and available jobs could further raise unemployment, suggesting that higher unemployment has been partly driven by the stronger supply of workers. It is also likely that some temporary factors contributed to the recent rise in the unemployment rate, as unemployment among working age teenagers sharply increased in August.
    Preference for a More Measured Recalibration of PolicyThe U.S. economy remains strong and core inflation remains uncomfortably above our 2 percent target. In light of these economic conditions, a few further considerations supported the case for a more measured approach in beginning the process to recalibrate our policy stance to remove restriction and move toward a more neutral setting.
    First, I was concerned that reducing the target range for the federal funds rate by 1/2 percentage point could be interpreted as a signal that the Committee sees some fragility or greater downside risks to the economy. In the current economic environment, with no clear signs of material weakening or fragility, in my view, beginning the rate-cutting cycle with a 1/4 percentage point move would have better reinforced the strength in economic conditions, while also confidently recognizing progress toward our goals. In my mind, a more measured approach would have avoided the risk of unintentionally signaling concerns about underlying economic conditions.
    Second, I was also concerned that reducing the policy rate by 1/2 percentage point could have led market participants to expect that the Committee would lower the target range by that same pace at future meetings until the policy rate approaches a neutral level. If this expectation had materialized, we could have seen an unwarranted decline in longer-term interest rates and broader financial conditions could become overly accommodative. This outcome could work against the Committee’s goal of returning inflation to our 2 percent target.
    I am pleased that Chair Powell directly addressed both of these concerns during the press conference following last week’s FOMC meeting.
    Third, there continues to be a considerable amount of pent-up demand and cash on the sidelines ready to be deployed as the path of interest rates moves down. Bringing the policy rate down too quickly carries the risk of unleashing that pent-up demand. A more measured approach wo
    uld also avoid unnecessarily stoking demand and potentially reigniting inflationary pressures.
    Finally, in dialing back our restrictive stance of policy, we also need to be mindful of what the end point is likely to be. My estimate of the neutral rate is much higher than it was before the pandemic. Therefore, I think we are much closer to neutral than would have been the case under pre-pandemic conditions, and I did not see the peak stance of policy as restrictive to the same extent that my colleagues may have. With a higher estimate of neutral, for any given pace of rate reductions, we would arrive at our destination sooner.
    Ongoing Risks to the OutlookTurning to the risks to achieving our dual mandate, I continue to see greater risks to price stability, especially while the labor market continues to be near estimates of full employment. Although the labor market data have been showing signs of cooling in recent months, still-elevated wage growth, solid consumer spending, and resilient GDP growth are not consistent with a material economic weakening or fragility. My contacts also continue to mention that they are not planning layoffs and continue to have difficulty hiring. Therefore, I am taking less signal from the recent labor market data until there are clear trends indicating that both spending growth and the labor market have materially weakened. I suspect the recent immigration flows have and will continue to affect labor markets in ways that we do not yet fully understand and cannot yet accurately measure. In light of the dissonance created by conflicting economic signals, measurement challenges, and data revisions, I remain cautious about taking signal from only a limited set of real-time data releases.
    In my view, the upside risks to inflation remain prominent. Global supply chains continue to be susceptible to labor strikes and increased geopolitical tensions, which could result in inflationary effects on food, energy, and other commodity markets. Expansionary fiscal spending could also lead to inflationary risks, as could an increased demand for housing given the long-standing limited supply, especially of affordable housing. While it has not been my baseline outlook, I cannot rule out the risk that progress on inflation could continue to stall.
    Although it is important to recognize that there has been meaningful progress on lowering inflation, while core inflation remains around or above 2.5 percent, I see the risk that the Committee’s larger policy action could be interpreted as a premature declaration of victory on our price-stability mandate. Accomplishing our mission of returning to low and stable inflation at our 2 percent goal is necessary to foster a strong labor market and an economy that works for everyone in the longer term.
    In light of these considerations, I believe that, by moving at a measured pace toward a more neutral policy stance, we will be better positioned to achieve further progress in bringing inflation down to our 2 percent target, while closely watching the evolution of labor market conditions.
    The Path ForwardDespite my dissent at the recent FOMC meeting, I respect and appreciate that my FOMC colleagues preferred to begin the reduction in the federal funds rate with a larger initial cut in the target range for the policy rate. I remain committed to working together with my colleagues to ensure that monetary policy is appropriately positioned to achieve our goals of attaining maximum employment and returning inflation to our 2 percent target.
    I will continue to monitor the incoming data and information as I assess the appropriate path of monetary policy, and I will remain cautious in my approach to adjusting the stance of policy going forward. It is important to note that monetary policy is not on a preset course. My colleagues and I will make our decisions at each FOMC meeting based on the incoming data and the implications for and risks to the outlook guided by the Fed’s dual-mandate goals of maximum employment and stable prices. We need to ensure that the public understands clearly how current and expected deviations of inflation and employment from our mandated goals inform our policy decisions.
    By the time of our next meeting in November, we will have received updated reports on inflation, employment, and economic activity. We may also have a better understanding of how developments in longer-term interest rates and broader financial conditions might influence the economic outlook.
    During the intermeeting period, I will continue to visit with a broad range of contacts to discuss economic conditions as I assess the appropriateness of our monetary policy stance. As I noted earlier, I continue to view inflation as a concern. In light of the upside risks that I just described, it remains necessary to pay close attention to the price-stability side of our mandate while being attentive to the risks of a material weakening in the labor market. My view continues to be that restoring price stability is essential for achieving maximum employment over the longer run. However, should the data evolve in a way that points to a material weakening in the labor market, I would support taking action and adjust monetary policy as needed while taking into account our inflation mandate.
    Closing ThoughtsIn closing, thank you again for welcoming me here today. It is a pleasure to join you and to have the opportunity to discuss my views on the economy and monetary policy. And given the recent FOMC meeting decision and my dissent, I appreciate being able to provide a more detailed explanation of the reasoning that led me to dissent in favor of a smaller reduction in the policy rate at last week’s FOMC meeting.
    I look forward to answering your questions and to engaging with your members on bank regulatory and supervisory matters.

    1. The views expressed here are my own and not necessarily those of my colleagues on the Federal Open Market Committee or the Board of Governors. Return to text

    MIL OSI USA News –

  • MIL-OSI: As Fentanyl Crisis Escalates, Abuse-Deterrent Formulations to Zero in on the Rising Epidemic of Opiate Abuse

    Source: GlobeNewswire (MIL-OSI)

    PALM BEACH, Fla., Sept. 24, 2024 (GLOBE NEWSWIRE) — FN Media Group News Commentary – Abuse-deterrent transdermal technology can be used to prevent the misuse of drugs with abuse potential, such as fentanyl, by incorporating aversive agents into transdermal patches. Abuse-deterrent opioid formulations (ADFs) are designed to make it more difficult to abuse opioids by making them less attractive or rewarding, or by increasing the difficulty of manipulating them. ADFs can help reduce the risk of adverse effects associated with snorting or injecting opioids, and may also help prevent medication errors. Active companies in the industry include: Nutriband Inc. (NASDAQ: NTRB), Teva Pharmaceutical Industries Ltd. (NYSE: TEVA), Eli Lilly and Company (NYSE: LLY), Novartis AG (NYSE: NVS), Amneal Pharmaceuticals, Inc. (NASDAQ: AMRX).

    Some benefits of ADFs include: 

    • Reduced risk of abuse: ADFs can help reduce the risk of abuse, addiction, and substance use disorder. 
    • Reduced risk of overdose: ADFs can help reduce the risk of opioid overdose and poisoning. 
    • Reduced risk of medication errors: ADFs can help prevent medication errors, such as when a caregiver crushes an extended-release opioid to mix into applesauce.

    According to OXFORD Academic: “The misuse and abuse of prescription opioids constitute a growing public health problem, which is described in detail in The Burden of the Nonmedical Use of Prescription Opioid Analgesics. Recent efforts to decrease abuse of opioids through formulation engineering have focused on creating broader impediments to abuse, such as incorporating physical barriers, combining agonists with antagonists, including components that cause aversion, and formulating opioid prodrugs, with the goal of reducing abuse by oral and intranasal, as well as, routes. Several of these newer formulations are in late-stage clinical testing and, if approved, may reach the US market later this year. The true “abuse-resistance” or “abuse-deterrence” of these products will be established only when epidemiologic data on their impact confirming such effects are available.” As reported by the U.S. Food & Drug Administration: “The FDA is encouraging the development of prescription opioids with abuse-deterrent formulations (ADFs) to help combat the opioid crisis. The agency recognizes that abuse-deterrent opioids are not abuse- or addiction-proof but are a step toward products that may help reduce abuse.”

    Nutriband Inc. (NASDAQ: NTRB) RECEIVES CHINA PATENT NOTICE OF ALLOWANCE FOR ITS AVERSA™ ABUSE DETERRENT TRANSDERMAL TECHNOLOGY

    • Notice of Allowance received from Chinese National Intellectual Property Administration (CNIPA) for a patent application covering its Nutriband AVERSA™ abuse deterrent transdermal technology
    • Nutriband abuse-deterrent transdermal technology consists of a proprietary aversive agent coating that employs taste aversion to deter the oral abuse of and accidental exposure to transdermal opioid and stimulant patch products

    Nutriband Inc. (NASDAQ:NTRB) (NASDAQ:NTRBW), a company engaged in the development of prescription transdermal pharmaceutical products, today announced that it has received a Notice of Allowance from the Chinese National Intellectual Property Administration (CNIPA) for patent application entitled, “Abuse and Misuse Deterrent Transdermal Systems,” which protects its AVERSA™ abuse deterrent transdermal technology.

    The Aversa™ abuse deterrent technology is now covered by a broad international intellectual property portfolio with patents issued in 46 countries including the United States, Europe, Japan, Korea, Russia, Mexico, Canada, Australia, and China.

    Nutriband’s AVERSA™ abuse-deterrent technology incorporates aversive agents into transdermal patches to prevent the abuse, diversion, misuse, and accidental exposure of drugs with abuse potential including opioids and stimulants. The AVERSA™ abuse-deterrent technology has the potential to improve the safety profile of transdermal drugs susceptible to abuse while making sure that these drugs remain accessible to those patients who really need them.

    Nutriband abuse-deterrent transdermal technology consists of a proprietary aversive agent coating that employs taste aversion to deter the oral abuse of and accidental exposure to transdermal opioid and stimulant patch products. Preliminary studies have shown that the coating is very difficult to scrape off and the technology has a patented immediate and extended-release profile which presents an additional layer of deterrence to prevent the aversive layer from easily being washed off in an attempt to separate the drug from the aversive agents.

    Nutriband is currently working with its partner Kindeva Drug Delivery, a leading global contract development and manufacturing organization focused on drug-device combination products, to develop its lead product, AVERSA™ Fentanyl, which incorporates Nutriband’s AVERSA™ abuse-deterrent transdermal technology into Kindeva’s FDA-approved transdermal fentanyl patch system.

    AVERSA Fentanyl has the potential to be the world’s first abuse-deterrent opioid patch designed to deter the abuse and misuse and reduce the risk of accidental exposure of transdermal fentanyl patches. AVERSA Fentanyl has the potential to reach peak annual US sales of $80 million to $200 million. (Health Advances Aversa Fentanyl market analysis report 2022). CONTINUED… Read this full press release and more news for NTRB at: https://www.financialnewsmedia.com/news-ntrb

    Other recent developments in the industry of note include:

    Teva Pharmaceutical Industries Ltd. (NYSE: TEVA) announced recently that a new analysis from the European cohort of the RIM-TD open-label extension (OLE) study revealed that deutetrabenazine treatment of patients with Tardive Dyskinesia (TD) was associated with long term improvement of TD symptoms. The improvement in symptoms was sustained throughout the three-year study, and deutetrabenazine was well tolerated. The data were presented at the European College of Neuropsychopharmacology (ECNP) annual congress in Milan.

    TD is a stigmatising and debilitating involuntary movement disorder characterised by repetitive movements of the tongue, lower face, jaw, and limbs, which develops in around 15%-25% of patients receiving antipsychotic medications for conditions such as schizophrenia, bipolar disorder, and major depressive disorder. 

    As part of the Lilly 30×30 pipeline efforts, Eli Lilly and Company (NYSE: LLY) is collaborating with NIDA through a Screening Agreement to explore the potential of some early-phase therapies that might be repurposed for the treatment of opioid use disorder (OUD).

    OUD is the chronic use of opioids that causes clinically significant distress or impairment. More than 9.5 million people over age 12 in the U.S. alone misused opioids in the past year. Opioid and other addictive disorders disproportionately affect people with limited resources. Nearly half of non-elderly adults with OUD in the United States have low incomes and almost a quarter live in poverty. Although there are three drugs approved by the U.S. Food and Drug Administration for the treatment of opioid dependence, misuse of opioids remains a significant public health concern, and there is a high unmet need to develop new and effective treatments for opioid and other addictive disorders.

    Sandoz Inc., a Novartis AG (NYSE: NVS) division, and Pear Therapeutics, Inc., in 2019 announced the US commercial launch of reSET-O(TM) for patients with Opioid Use Disorder (OUD). reSET-O, cleared by the US Food and Drug Administration (FDA) in December, is immediately available.

    The reSET-O prescription digital therapeutic (PDT) is a 12-week cognitive behavioral therapy intended to be used in addition to outpatient treatment. It includes transmucosal buprenorphine, a commonly used medication to treat opioid addiction, and contingency management designed to provide incentives to reinforce positive behaviors. reSET-O is available by prescription only for patients 18 years or older under the care of a clinician.

    “The launch of reSET-O provides an important technology-based treatment option for patients with Opioid Use Disorder and may fundamentally change how they interact with their therapies,” said Richard Francis, CEO, Sandoz. “At Sandoz, we are proud and excited to push the frontiers of medical innovation.”

    Amneal Pharmaceuticals, Inc. (NASDAQ: AMRX) earlier this year announced the availability of Over the Counter (“OTC”) Naloxone Hydrochloride (Naloxone HCI) Nasal Spray, USP, 4mg, following Abbreviated New Drug Application (“ANDA”) approval from the U.S. Food and Drug Administration (“FDA”). Amneal’s Naloxone HCI Nasal Spray, manufactured in the U.S., is a generic equivalent to OTC NARCAN® HCI Nasal Spray, a medication that is widely used to help treat drug overdose from opioids, including heroin, fentanyl and prescription opioid medications.

    “With today’s launch, Amneal is proud to help address this public health emergency by providing naloxone nasal spray at an affordable price and without a prescription. Our business is deeply rooted in a commitment to helping others. By enhancing access to naloxone nasal spray, we hope to get this affordable emergency treatment into the hands of even more people who could potentially save countless families and communities from further heartache and loss,” said Chirag and Chintu Patel, Co-Chief Executive Officers.

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    The MIL Network –

  • MIL-OSI Global: How to archive your photos in the digital age

    Source: The Conversation – USA – By Wasim Ahmad, Assistant Teaching Professor of Journalism, Quinnipiac University

    What’s the right choice for storing your photos? Wasim Ahmad, CC BY

    Taking photographs used to be a careful, conscious act. Photos were selective, frozen moments in time carefully archived in albums and frames. Now, taking a photograph is almost as effortless and common as breathing – it’s something that people do all the time in the age of smartphone cameras with seemingly endless digital film.

    But the downside to capturing every moment is that it creates a mountain of those moments to save for the future. Those photos can be easily lost if they’re not archived properly. All it can take is one accidental dip in the toilet for your phone, and all that data is lost forever.

    So what’s a practical backup strategy for the average person? Here are a few ways to make sure memories are never lost:

    Cloud storage

    The simplest way to archive your photos is cloud storage. For Apple users, there’s iCloud, which starts at US$0.99 per month for 50 gigabytes all the way to $59.99 per month for 12 terabytes with various tiers in between. With an average iPhone photo clocking in at 3 megabytes, that’s a little over 16,000 photos for the cheap plan and 4 million or so for the largest plan. Google’s Google One cloud storage is most cost effective for yearly plans, with 2TB going for $99.99 per year and 5TB going for $249.99 per year.

    The actual amount you can store in that space does vary greatly with how a file is shot. Video has larger file sizes than photos. HEIF files, a newer format on Apple phones, compresses files into smaller packages, but long-term compatibility is unknown since the format hasn’t been in use for as long as the standard JPG file, which has been around since 1992.

    Storing your photos in a cloud service like iCloud is probably the easiest method.
    Chris Messina/Flickr, CC BY-NC

    While cloud services from big providers generally provide the easiest way for most average folks to back up their photos, and operate with little to no intervention via apps that are already on the phone constantly uploading every photo taken, there are risks involved.

    Big companies often change their policies about how photos are saved. For instance, depending on what phone and when it was bought, Google’s cloud storage may have saved photos in a “storage saver” format that lowers the quality of images by sizing them down or compressing them differently. This affects your ability to make high-quality prints or view the photos on high-resolution screens down the road. Unless someone is astute enough to notice small text here and there that mentions it, most users won’t even realize it’s happening.

    And what happens to cloud services when things go badly wrong? Users of photo backup service Digital Railroad found out the hard way. In 2008, the company abruptly shut down and gave its users 24 hours to download everything before the servers were shut down. Photographers rushed for the exits, trying to grab their photos on the way out, only to strain the servers to the point where few were able to recover anything at all. If this was the only way photos were backed up, it’s a lost cause.

    So while the cloud is easy, costs can add up and terms of service can change at a moment’s notice. What are some ways for photographers to control their own fate?

    Hard drives and network-attached storage

    Manually taking photos off a phone may take some extra time, but the approach offers peace of mind that cloud services can’t necessarily match.

    Almost all phones can plug into a computer’s USB port and use the built-in photos app on both Windows or MacOS to download photos to a computer. Apple users can use a method called AirDrop to send photos wirelessly to other Apple devices as well, including laptop and desktop computers.

    Now loading photos onto a local hard drive built into the machine can fill it up quickly, but there is a cost-effective way to get around that – namely, external hard drives. Theses are storage devices that you can plug into your computer as needed. They can be of the older and less expensive type with spinning platters or more modern solid-state drives that can survive a drop and greater temperature changes than the older drives can.

    These are different than flash drives, more commonly known as thumb drives because of their small size, that are designed as temporary storage to shuffle photos from one place to another.

    It’s easy to buy more than one hard drive to have duplicate backups in case of failure or catastrophe, but the downside is that there’s no easy access from the internet to your photos, and backup is generally a process that users must remember to do.

    Network-attached storage is one way to solve the cloud storage problem while retaining the ability to access photos from the internet. These are essentially hard drives – sometimes multiple hard drives linked together for even greater or faster storage – that are connected to a router that allows for access to the internet through specialized software.

    While not as easy as most third-party cloud storage services, once it’s set up, a network-attached storage unit is a flexible way to store your photos safely and accessibly. There are even companies that specialize in fireproof and waterproof units for extra insurance in case of disaster.

    Printing photos

    If cloud storage and hard drives seem too complicated, there’s always the old-fashioned approach of printing. There’s still something magical about seeing a photo on a wall or in an album, and thankfully there are ways to print professional-quality archival prints without having to go to a drugstore.

    Desktop photo printers are a way to bring those digital photos into the physical world, ready for organizing in photo albums.
    Leksey/Wikimedia

    The easiest and most cost-efficient types of printers are dedicated 4×6 printers using a technology similar to professional labs called dye-sublimation. These yield high-quality, waterproof prints that cost about the same as what one would pay for drugstore developing. HP makes its popular Sprocket line of printers, though those require a phone and an app to print from, which makes plugging in a memory card from a professional camera out of the question. However, Canon’s Selphy lineup includes many models with screens and a card slot to make that possible.

    The rabbit hole goes very deep, and there are many professional printers that can print even larger sizes. Canon and Epson dominate this space, marketing a range of pigment- and dye-based printers that can emphasize archival needs or color saturation, respectively.

    Another option is ordering a photo book, which, as the name suggests, is a physical bound book of your photos. However, photo books are probably more appropriate for memorializing an event – trip, wedding, project – than general archiving, given the typical costs and number of photos involved.

    There’s little reason to not make some sort of backups of photos in 2024, whether that’s on printed media, hard drives or in the cloud. The important thing is not which method to use, but to do it at all.

    Wasim Ahmad does not work for, consult, own shares in or receive funding from any company or organization that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.

    – ref. How to archive your photos in the digital age – https://theconversation.com/how-to-archive-your-photos-in-the-digital-age-239175

    MIL OSI – Global Reports –

  • MIL-OSI Global: Parents with disabilities have faced discrimination for years in the US, but new rules will help ensure that child welfare systems treat them more fairly

    Source: The Conversation – USA – By Elizabeth Lightfoot, Distinguished Professor of Social Policy, School of Social Work, Arizona State University

    Parents with disabilities have new legal protections. Westend61/Getty Images

    Parents with any kind of disability are much more likely to have some type of interaction with the child welfare system than other parents. This means they are more likely than other parents to be reported for child abuse and neglect and more likely to have abuse or neglect substantiated by child welfare workers. They are also more likely to have their children placed in foster care and more likely to permanently lose their parental rights.

    More than one-third of mothers with intellectual and developmental disabilities have an interaction with the child welfare system within four years of their child’s birth, and about one-fifth of all children in foster care have a parent with some type of disability.

    However, there is little evidence that parents with disabilities abuse or neglect their children at higher rates than anyone else. Instead, there’s evidence that many young adults raised by a parent with a disability have very positive childhood experiences.

    New rules that went into effect in July 2024 provide the first federal protections specifically for parents with disabilities. These new rules ban discrimination against parents and caregivers with disabilities throughout the child welfare system.

    Government is changing these rules

    I’m a social work policy researcher who has studied policies affecting parents with disabilities since 2007.

    In 2010, I found that three-quarters of states had laws which said that a parent’s disability could be used as the grounds for terminating their parental rights. Most of these state laws focused on parents with intellectual and developmental disabilities or mental health disabilities, though some listed physical disabilities and other types as well.

    Many of these laws were vague and used outdated language such as “mental deficiency.”

    Parental disability is the only grounds for termination of parental rights that focuses on a condition of the parent. The rest focus on behaviors. For example, parental poverty is not listed as grounds for termination of parental rights in any state, but neglect – a behavior – is.

    State laws were only one of the issues parents with disabilities encountered related to child protection. For years, there had been confusion as to how the Americans with Disabilities Act, the federal law banning disability discrimination, applied to parents in the child welfare system. Until 2015, most state courts denied ADA claims by parents with disabilities who believed they were discriminated against.

    In addition, most child welfare workers do not receive formal training on working with parents with disabilities. They are not trained in how to assess parenting skills or how to make accommodations to services that they typically provide, such as providing in-home parent training or conveying information in plain language. They might not know about the overwhelming evidence that parents with intellectual disabilities can learn parenting skills.

    This has historically led many child welfare workers to make decisions based on stereotypes or speculation.

    One of the main biases that parents with disabilities face is the “presumption of unfitness bias.” This is a widespread bias that parents are unable to parent solely because of their disability.

    This bias can lead child welfare workers to not consider that parents with disabilities can rely on “parental supports” to assist them in parenting, ranging from adaptive cribs and baby monitors to in-home helpers. It also can result in parents with disabilities being held to a higher standard than others.

    State laws specifically naming parental disability as a for termination of parental rights, the lack of federal protection, and widespread biases left parents with disabilities vulnerable in encounters with the child welfare system.

    Gaining national attention

    Two federal actions in the early 2010s brought national attention to parents with disabilities.

    First, the National Council on Disability, the independent federal agency that advises the federal government on disability issues, released a report in 2012 called Rocking the Cradle. That report focused on the widespread discrimination faced by parents with disabilities; highlighted and called for changing the state child protection laws; and called for the application of ADA protections in child welfare cases involving parents with disabilities.

    This report received a lot of media attention and led to more awareness of the plight of these parents.

    Then, in 2015, Justice Department and the Department of Health and Human Services released guidance directing child welfare agencies to protect parents with disabilities from discrimination. This was the first federal action indicating that the ADA and Section 504 of the Rehabilitation Act applied to child protection services.

    This guidance followed the departments’ investigation of the Massachusetts Department of Children and Families’ removal of a newborn baby from Sara Gordon, a new mother with a developmental disability, in 2012. The Department of Justice and the Department of Health and Human Services found that the state agency had made assumptions that Gordon was unable to take care of her child and unable to learn parenting skills. The state agency had also failed to take into account that Gordon had support systems in place. She lived with her parents, and her mother had quit her job to assist with parenting.

    Making progress for parents with disabilities

    The momentum for protecting parental rights has led to some positive changes.

    A few states changed their own child protection laws to address some of these problems before the federal government took action by providing new protections for parents with disabilities. In addition, the Department of Justice and Department of Health and Human Services have reached agreements with state agencies in Oregon, Georgia and Massachusetts related to discrimination against parents with disabilities.

    Despite this progress, parents with disabilities are still discriminated against by the child welfare system in many parts of the country.

    At the same time, I have no doubt that the federal government’s revision of the rules of Section 504 of the Rehabilitation Act is a major step forward for parents with disabilities.

    In particular, it is promising that Section  84.60 of the rule clarifies that disability discrimination is not allowed in any part of the child welfare process. Child welfare agencies throughout the United States now must ensure that they are not making decisions based on speculation, stereotypes or generalizations.

    Thanks to changes in the federal rule, when a child welfare agency evaluates how a child is being parented, the tools it uses must be backed by research. The evaluations must be conducted by a qualified professional and tailored to the needs of the individual parent. Agencies must ensure that parents with disabilities can participate in any services they provide. These services include parent-child visitation, parenting skills programs, family reunification services and child placements in foster care settings or in the care of another relative.

    Disability advocacy groups applauded this new rule when it went into effect in the summer of 2024.

    I believe these new rules will protect parents with disabilities when interacting with child protection authorities. They will also make it easier for child welfare agencies and state courts to recognize disability discrimination when it appears in their caseloads or on their dockets.

    Elizabeth Lightfoot receives funding from the National Institute on Disability, Independent Living, and Rehabilitation Research and the Arizona Developmental Disabilities Planning Council.

    – ref. Parents with disabilities have faced discrimination for years in the US, but new rules will help ensure that child welfare systems treat them more fairly – https://theconversation.com/parents-with-disabilities-have-faced-discrimination-for-years-in-the-us-but-new-rules-will-help-ensure-that-child-welfare-systems-treat-them-more-fairly-238185

    MIL OSI – Global Reports –

  • MIL-OSI USA: Eleven Firms to Pay More Than $88 Million Combined to Settle SEC’s Charges for Widespread Recordkeeping Failures

    Source: Securities and Exchange Commission

    One additional firm will not pay a penalty because it self-reported, self-policed, and demonstrated substantial efforts at compliance

    The Securities and Exchange Commission today announced charges against 12 firms, comprising broker-dealers, investment advisers, and one dually-registered broker-dealer and investment adviser, for widespread and longstanding failures by the firms and their personnel to maintain and preserve electronic communications in violation of recordkeeping provisions of the federal securities laws.

    The firms admitted the facts set forth in their respective SEC orders, acknowledged their conduct violated recordkeeping provisions of the federal securities laws, agreed to pay combined civil penalties of $88,225,000 as outlined below, and have begun implementing improvements to their compliance policies and procedures to address these violations. The firms are as follows:

    • Stifel, Nicolaus & Company, Inc. agreed to pay a $35 million penalty;
    • Invesco Distributors, Inc., together with Invesco Advisers, Inc., agreed to pay a $35 million penalty;
    • CIBC World Markets Corp., together with CIBC Private Wealth Advisors, Inc., agreed to pay a $12 million penalty;
    • Glazer Capital, LLC agreed to pay a $2 million penalty;
    • Intesa Sanpaolo IMI Securities Corp., agreed to pay a $1.5 million penalty;
    • Canaccord Genuity LLC agreed to pay a $1.25 million penalty;
    • Regions Securities LLC agreed to pay a $750,000 penalty;
    • Alpaca Securities LLC agreed to pay a $400,000 penalty;
    • Focused Wealth Management, Inc. agreed to pay a $325,000 penalty; and
    • Qatalyst Partners LP will not pay a penalty.

    “Today’s enforcement actions reflect the range of remedies that parties may face for violating the recordkeeping requirements of the federal securities laws. Widespread and longstanding failures, including where those failures potentially hinder the Commission’s investor protection function by compromising a firm’s response to SEC subpoenas, may result in robust civil penalties,” said Gurbir S. Grewal, Director of the SEC’s Division of Enforcement. “On the other hand, firms that self-report and otherwise cooperate with the SEC’s investigations may receive significantly reduced penalties. Here, despite recordkeeping failures that involved communications by senior leadership and persisted after our first recordkeeping matters were announced in 2021, Qatalyst took substantial steps to comply, self-reported, and remediated and, therefore, received a no-penalty resolution.”

    The SEC’s investigations into all the firms except for Qatalyst uncovered pervasive and longstanding use of unapproved communication methods, known as off-channel communications, at these firms. As described in the SEC’s orders, the firms admitted that during the periods relevant to each order, their personnel sent and received off-channel communications that were records required to be maintained under securities laws. The failure to maintain and preserve required records deprives the SEC of these communications in our investigations. The failures involved personnel at multiple levels of authority, including supervisors and senior managers.

    In contrast, in response to the Commission’s recent off-channel enforcement actions, Qatalyst conducted an internal investigation and uncovered that Qatalyst personnel at various levels of authority sent and received off-channel communications, which Qatalyst did not maintain or preserve, that related to its broker-dealer business. Qatalyst will not pay a penalty because it self-reported its recordkeeping violations, cooperated with the staff’s investigation, and demonstrated substantial efforts at compliance with the recordkeeping requirements. Two additional firms, Canaccord and Regions, also self-reported their violations and, as a result, will pay significantly lower civil penalties than they would have otherwise.

    The firms were each charged with violating certain recordkeeping provisions of the Securities Exchange Act or the Investment Advisers Act or both. In addition, all but one of the firms failed to reasonably supervise their personnel with a view to preventing and detecting those violations. The SEC’s order against Focused Wealth also found that the firm failed to adopt and implement policies and procedures reasonably designed to prevent the firm and its supervised persons from violating recordkeeping requirements.

    Each of the firms was ordered to cease and desist from future violations of the relevant recordkeeping provisions and was censured. Ten of the firms also agreed to retain compliance consultants to, among other things, conduct comprehensive reviews of their policies and procedures relating to the retention of electronic communications found on personal devices and their respective frameworks for addressing non-compliance by their personnel with those policies and procedures.

    Separately, the Commodity Futures Trading Commission announced a settlement with Canadian Imperial Bank of Commerce for related conduct.

    The SEC’s investigations into Stifel, CIBC, Intesa, Canaccord, Alpaca, and Qatalyst were conducted by Laurel S. Fensterstock, Karolina Klyuchnikova, Austin Thompson, and Alison R. Levine. The SEC’s investigation into Focused Wealth was conducted by Bennett Ellenbogen and Michael Paley. Each of these matters was supervised by Thomas P. Smith, Jr. of the New York Regional Office. The SEC’s investigation into Invesco was conducted by Melanie Good, Craig Welter, and Nikolay Vydashenko, and supervised by Corey Schuster of the Enforcement Division’s Asset Management Unit.  The SEC’s investigation into Glazer was conducted by Anne Hancock, Samantha Martin, and Christopher Rogers, and supervised by B. David Fraser of the Fort Worth Regional Office. The investigation into Regions was conducted by Katie D. Krysan and Amy S. Cotter, and supervised by Paul A. Montoya of the Chicago Regional Office.

    MIL OSI USA News –

  • MIL-OSI USA: Jefferson Parish Eligible for FEMA Assistance

    Source: US Federal Emergency Management Agency

    Headline: Jefferson Parish Eligible for FEMA Assistance

    Jefferson Parish Eligible for FEMA Assistance

    BATON ROUGE, La. – Homeowners and renters in Jefferson Parish are now eligible for FEMA assistance to help them recover from Hurricane Francine. 

    Jefferson Parish joins Ascension, Assumption, Lafourche, St. Charles, St. James, St. John the Baptist, St. Mary and Terrebonne parishes, which were previously approved for Individual Assistance. 

    Assistance for eligible survivors can help with serious needs, displacement, temporary lodging, basic home repair costs, personal property loss or other disaster-caused needs. Also, low-interest disaster loans from the U. S. Small Business Administration (SBA) are available for businesses of all sizes (including landlords), private nonprofits, homeowners and renters.

    How to Apply to FEMA

    Homeowners and renters in Jefferson Parish and other designated parishes can apply several ways:

    • Go online to disasterassistance.gov.
    • Download the FEMA App for mobile devices.
    • Call the FEMA helpline at 800-621-3362 between 6 a.m. and 11 p.m. CT. Help is available in most languages. If you use a relay service, such as video relay (VRS), captioned telephone or other service, give FEMA your number for that service.
    • Visit any Disaster Recovery Center. For locations and hours, go online to fema.gov/drc.

    View an accessible video about how to apply at Three Ways to Register for FEMA Disaster Assistance – YouTube.

    Parishes Eligible for Public Assistance

    Ascension, Assumption, Lafourche, St. Charles, St. Mary and Terrebonne parishes are now eligible for permanent work (Categories C-G); these parishes were previously designated for Individual Assistance and assistance for debris removal and emergency protective measures (Categories A and B), including direct federal assistance, under the Public Assistance program.

    East Baton Rouge, East Feliciana, Livingston, Orleans, Plaquemines, St. Helena, St. Martin, St. Tammany, Washington and West Feliciana parishes are now eligible for Public Assistance Categories A-G.

    Visit fema.gov/assistance/public/process to learn more about FEMA’s Public Assistance program including eligibility and the categories of work. 

    For the latest information visit fema.gov/4817. Follow FEMA Region 6 on social media at  x.com/FEMARegion6 and at facebook.com/femaregion6/. 

    alexa.brown

    MIL OSI USA News –

  • MIL-OSI USA: A Catalyst: Statement on Qatalyst Partners LP

    Source: Securities and Exchange Commission

    Over the last several years, off-channel communications cases have become more prevalent on the Commission’s enforcement docket. We have struggled with these cases. While we supported many of them initially, it was not without deep reservations. Recently, we have objected to the penalties and undertakings in most of these cases. Today’s case against Qatalyst Partners LP[1] illustrates and confirms the reason for our reservations: it does not appear that firms have an achievable path to compliance. Accordingly, we voted no on Qatalyst Partners LP, and urge our colleagues to reconsider our current approach to the off-channel communications issue.

    Recordkeeping by regulated entities is important. The Commission needs to be able to enforce its rules. To do that, it needs access to records about firms’ activities. Firms that are serious about complying with our rules also need access to records about their business activities. If business is being conducted using communications means that are outside of the reach of firm compliance personnel and Commission staff, both will be hampered in their ability to foster compliance with the rules. The off-channel communications cases arise from a legitimate concern that the compliance efforts both of firm compliance personnel and of Commission staff are impeded by improper recordkeeping practices. As the Commission’s Order in the first of these cases stated:

    The federal securities laws impose recordkeeping requirements on broker-dealers to ensure that they responsibly discharge their crucial role in our markets. The Commission has long said that compliance with these requirements is essential to investor protection and the Commission’s efforts to further its mandate of protecting investors, maintaining fair, orderly, and efficient markets, and facilitating capital formation.

    [2]

    That first case involved a “widespread failure to implement” recordkeeping policies that “was not hidden within the firm,” “was firm-wide, and involved employees at all levels of authority,” and “impacted the Commission’s ability to carry out its regulatory functions and investigate potential violations of the federal securities laws across these investigations.”

    Many other cases have followed. The use of off-channel communications—text messages, smartphone chat applications like WhatsApp, and personal email outside firm-approved systems—is prevalent across the securities industry. We have an industry-wide problem that we will not solve through enforcement.

    Today’s action against Qatalyst illustrates why we cannot enforce our way to compliance. Under the standard applied in this case, even well-intentioned firms could find themselves in the Commission’s enforcement queue time and again. Qatalyst has been working to address the off-channel issue for at least sixteen years. The Commission’s Order outlines some of the firm’s efforts:

    As early as 2008, Qatalyst personnel were advised that the use of unapproved electronic communications methods, including on their personal devices, was not permitted, and they should not use personal email, chats or text messaging applications for business purposes, or forward work-related communications to unapproved applications on their personal devices. Qatalyst reinforced its policies at least annually with regular, mandatory training and reinforcement from compliance and senior management. Qatalyst personnel were specifically advised not to list personal phone numbers in email signatures.

    Then, “beginning in March 2017, Qatalyst provided its personnel with a compliant text-messaging process that could retain business communications” and “instructed its personnel to use only this process to communicate about Qatalyst’s broker-dealer business by text message.” “Beginning in 2020, Qatalyst required all personnel to have a firm-issued device on which to conduct Qatalyst business, and encouraged personnel to use firm-issued devices when communicating with both business and personal contacts.” Further updates to capture Slack and LinkedIn messages came in 2020 and 2022. Qatalyst trained its employees, monitored communications sent through firm-approved communication methods, and disciplined employees who violated the firm’s policies. Even with all that, Qatalyst violated the recordkeeping requirements: “Qatalyst collected data from a sampling of broker-dealer personnel and found that . . . several broker-dealer personnel, including at senior levels, had engaged in off-channel communications that concerned the broker-dealer’s business as such.” At the end of the day, despite Qatalyst’s compliance efforts, the Commission’s order states that:

    Qatalyst . . . failed to implement a system reasonably expected to determine whether all personnel, including supervisors, were following Qatalyst’s policies and procedures. While permitting personnel to use approved communications methods, including on personal phones, for business communications, Qatalyst failed to implement sufficient monitoring to ensure that its recordkeeping and communications policies and procedures were always being followed.” (Emphasis added.)

    This statement sounds to us like one that equates reasonableness with perfection. If we assess reasonableness based on whether policies and procedures always are being followed, firms will never escape our enforcement net. People are not perfect and so compliance will not be perfect—even at a firm that tries as hard as Qatalyst. Firing up our enforcement machinery every couple years to haul the industry in for headline-making penalties will not make people perfect, so firms will continue to discover violations of firm policies. We cannot enforce to perfection, but there is a way to achieve better compliance.

    This case should serve as a catalyst for the Commission. We need to work with the industry and other interested members of the public to develop a pragmatic and privacy-respecting approach that enables firms and the Commission to have the records they need for compliance, examination, and enforcement at a reasonable cost in both financial and privacy terms. As we have this conversation, we ought to bear several points in mind:

    • The existing recordkeeping rules are a product of simpler times. The ways in which people communicate have multiplied, and the percentage of communications that are written has risen so firms have more avenues to monitor. Paper documents have given way to e-mail, which has given way to text messages, which have given way to app-based chats. This technological progression poses unique challenges and opportunities in terms of recordkeeping.
      • How can we modernize the recordkeeping rules to deal with the recordkeeping challenges of the new technology and accompanying shifts in the communication habits of people?  How do we identify and take advantage of aspects of these changes that facilitate recordkeeping?
    • Oral conversations that would not have been captured by recordkeeping rules in the past are now written conversations that are captured. One needs only observe a couple teenagers sitting in a room together who are texting one another rather than talking to each other to realize that texts have taken the place of what would have been oral communications in the past. This shift of communication from verbal to written intensified during the pandemic when colleagues that used to sit next to one another retreated to their own homes.
      • Should we revisit the recordkeeping rules so that they do not capture the modern-day equivalent of oral chatter?
    • Client service imperatives drive how firms communicate with their clients. A client of an investment adviser who is also her neighbor wants to be able to send her a WhatsApp message when she needs advice on her investment portfolio, just as she does when she wants advice on her garden. Firms have made a lot of progress on developing tools that allow their employees to capture the business-related messages for recordkeeping purposes.
      • How can we help firms as they think about seamless ways to accommodate client communication preferences and still meet recordkeeping obligations?
      • Issuing firm phones is an expensive option. What are best practices for firms that do not have the budget to issue phones or whose employees prefer not to have a work phone?
    • Firms and their employees have questions about what types of communications are covered by the rules. Certain messages are clearly covered by the rules, but others are not so clear. The lack of clarity stems in part—but not entirely—from the different scope of the recordkeeping rules for various types of firms.[3]
      • What can the Commission do to provide clarity on the requirements under the existing rules?
      • Is the scope of the current rules appropriate?
      • Once we settle on the scope, how can firms effectively train their employees about what needs to be preserved for recordkeeping purposes?
    • Ensuring that employees abide by firm policies implicates privacy concerns. A firm can write excellent policies and procedures that prohibit the use of off-channel communications but ensuring that everybody complies with them is difficult. We see this in enforcement cases like Qatalyst, where the firm had a great set of policies and procedures, but some employees did not comply. Any firm surveillance system has to achieve record retention without subjecting employees’ personal means of communication to constant surveillance. Doing so is offensive to employees’ privacy and may have legal implications in some jurisdictions. Firms have developed ways, such as monitoring on-channel communications for indications that other communications are happening off-channel and only then looking at employees’ personal phones and emails. Firms also have disciplined employees found to be in violation of the policies, which sends a message that such conduct is not tolerated.
      • What are best practices for training employees and ensuring compliance with off-channel communications policies and procedures?
      • What are best practices for monitoring compliance with off-channel communication prohibitions?
      • How do the securities recordkeeping rules interact with other laws, such as employment or privacy laws?
    • Input from compliance personnel is essential. To develop workable, effective policies, we need to hear from the people who write, implement, and oversee these policies. This issue would be a perfect one to put in front of a Chief Compliance Officer Advisory committee. Compliance personnel understand the importance of maintaining good records, the difficulty of doing so, and have real-world experience in weighing the sometimes-conflicting interests of firms, clients, and employees.
      • What would an effective Chief Compliance Officer Advisory Committee look like?

    The issues laid out above are only a few of the many that deserve discussion outside of the enforcement context. We look forward to working with our colleagues at the Commission and interested members of the public on a more productive path forward.

    [3] See, e.g., Exchange Act Rule 15Ba1-8, 17 C.F.R. § 240.15Ba1-8 (recordkeeping requirements for municipal advisers); Exchange Act Rule 17a-4, 17 C.F.R. § 240.17a-4 (recordkeeping requirements for exchanges, brokers, and dealers); Exchange Act Rule 17g-2, 17 C.F.R. § 240.17g-2 (recordkeeping requirements for nationally recognized statistical rating organizations); Investment Advisers Act Rule 204-2, 17 C.F.R. § 275.204-2 (recordkeeping requirements for investment advisers); Investment Company Act Rule 31a-1 through 4, 17 C.F.R. § 270.31a-1 through 4 (recordkeeping requirements for certain investment companies).

    MIL OSI USA News –

  • MIL-OSI: 7-Eleven, Inc. Partners with Comdata to Enhance Fuel Savings and Services for Fleets

    Source: GlobeNewswire (MIL-OSI)

    BRENTWOOD, Tenn., Sept. 24, 2024 (GLOBE NEWSWIRE) — Comdata Inc., a Corpay brand and world leader in payment innovation, announced today 7-Eleven, Inc. and its brands 7-Eleven®, Speedway®, and Stripes®, have joined Comdata’s Fuel Consortium. This enhancement creates new capabilities for cardholders and offers products that better serve fleets of all sizes.

    With this expanded partnership, fleets have ability to access cost-plus savings on both gas and diesel at 7-Eleven’s nationwide network of over 7,500+ fuel locations. Comdata and 7-Eleven are the first to provide this functionality with a universal fuel card.

    “We are excited to have 7-Eleven on board and for what this relationship means for our customers,” said Randy Morgan, President, Comdata North America Trucking/Enterprise. “This partnership highlights our continued mission to provide our customers with products that intentionally improve their business’s bottom line—especially for fuel expenses.”

    Along with driving more savings at the pump, cardholders can receive additional benefits of a Comdata fuel card including:

    • Innovative fraud protection tools like OneClick™ which keeps the card locked until the driver is at the pump ready to fuel and is unlocked with “one click” of a button.
    • The industry’s only NO FUEL FRAUD GUARANTEE1 powered by Proximity, a collection of Enhanced Authorization Controls.
    • Comprehensive data collection, analytics, and reporting with a user-friendly dashboard via OneLook.

    For a comprehensive site locator map of 7-Eleven, Speedway, and Stripes stores, visit https://www.7-eleven.com/locator.

    Comdata is committed to consistently cultivating strong relationships with industry partners to meet the needs of its customers. To learn more about Comdata, visit www.comdata.com.

    1With active Proximity subscription, subject to mandatory system and operational requirements.

    About Comdata
    Comdata Inc., a Corpay brand, is a leader and innovator in commercial payment solutions, driving actionable insights from spending data, building enhanced controls to protect clients’ interests, and positively impacting day-to-day operations for fleet owners and managers and drivers in the trucking industry. Founded in 1969 in Brentwood, Tennessee, Comdata has proudly supported the life-impacting trucking industry for over 50 years. To learn more, visit www.comdata.com.

    About 7-Eleven, Inc.
    7-Eleven, Inc. is the premier name in the U.S. convenience-retailing industry. Based in Irving, Texas, 7-Eleven operates, franchises and/or licenses more than 13,000 stores in the U.S. and Canada. In addition to 7-Eleven® stores, 7-Eleven, Inc. operates and franchises Speedway®, Stripes®, Laredo Taco Company® and Raise the Roost® Chicken and Biscuits locations. Known for its iconic brands such as Slurpee®, Big Bite® and Big Gulp®, 7-Eleven has expanded into high-quality sandwiches, salads, side dishes, cut fruit and protein boxes, as well as pizza, chicken wings and mini beef tacos. 7-Eleven offers customers industry-leading private brand products at outstanding value. Customers can earn and redeem points on various items in stores nationwide through its 7Rewards® and Speedy Rewards® loyalty programs with more than 80 million members, place an order in the 7NOW® delivery app in over 95% of the convenience retailer’s footprint, or rely on 7-Eleven for other convenient services. Find out more online at www.7-eleven.com. 

    Media Contact:

    Kathy Hickerson

    Corpay, North America Fleet (Comdata)

    Kathryn.hickerson@corpay.com 

    The MIL Network –

  • MIL-OSI USA: Friends With Paws celebrates therapy dog at Calhoun County Middle High School

    Source: US State of West Virginia

    CategoriesEnglish, MIL OSI, US State Governments, US State of West Virginia

    MOUNT ZION, WV –  First Lady Cathy Justice announced today that one of the state’s newest therapy dogs through the Friends With Paws program is thriving and doing incredible work at Calhoun County Middle High School.

    Coco is a male Chocolate Labrador Retriever and was celebrated during a Pup Rally held at the school. Representatives from the First Lady’s Office, along with students, faculty, staff, and several other local leaders, were in attendance. 

    While Coco is the 29th dog placed through the program, a total of 38 Friends With Paws therapy dogs have been placed throughout the state.

    “We are thrilled to celebrate Coco at Calhoun County Middle High School,” First Lady Cathy Justice said. “Therapy dogs like Coco offer so much more than just a friendly face—they provide comfort, reduce stress, and create a calming environment for our students. These dogs are making a real difference, offering support when it’s needed most, helping children feel safe, and encouraging emotional well-being. Coco will be a cherished companion and an important part of this school’s journey toward a brighter, healthier future.”
    The Friends With Paws program places certified therapy dogs in several schools across the state, providing companionship and comfort for students in need of a boost. 

    Therapy dogs are specially trained to provide comfort and support to people in various tense environments. They can help people feel at ease, improve their mood, relieve anxiety, and remove social barriers. Therapy dogs are highly trained and certified to show their ability to work in stressful environments, ignore distractions, and provide therapy to people with diverse backgrounds and circumstances.

    “Coco fosters meaningful relationships and provides comfort to both students and staff, showing us that compassion and connection can profoundly enhance our school community,” Michael Fitzwater, Superintendent of Calhoun County Schools, said.
    Following today’s assembly, students and staff had the chance to spend extra time with Coco.
    “Calhoun Middle High School believes that every child deserves a safe and nurturing environment to thrive,” Michelle Paxton, Principal at Calhoun Middle High School said. “Therapy dogs, such as Coco, provide unique emotional support, and we are excited to see how this initiative can positively impact our students at Calhoun Middle High School.”

    The Friends With Paws program is a partnership between the Governor’s Office, West Virginia Communities In Schools (CIS) Nonprofit, and the West Virginia Department of Education. Therapy dogs are placed in schools within CIS counties where students are disproportionately affected by poverty, substance misuse, or other at-risk situations, and are in the greatest need of a support animal. The dogs serve as a healthy and friendly outlet for these students to address trauma and other social-emotional issues.

    “Coco has made an incredible impact at Calhoun Middle High School,” Assistant Superintendent of Calhoun County Schools Jeannie Bennett-Yoak said. “His presence brings joy, comfort, and a sense of calm to our students and staff alike. We are immensely grateful to First Lady Justice, her dedicated staff, Ultimate Canine, and Communities in Schools for providing such a valuable resource. The bond Coco has formed with our school community is truly uplifting and has significantly enhanced the emotional well-being of everyone here.”
    More information about Friends With Paws can be found in Communities In Schools: Friends With Paws, a documentary produced by West Virginia Public Broadcasting. Click HERE to view the documentary.
     
    A 2019 study published by the National Institute of Health found that a dog’s presence in the classroom promotes a positive mood and provides significant anti-stress effects on the body.

    In addition, research shows that the simple act of petting animals releases an automatic relaxation response. Therapy animals’ lower anxiety and help people relax, provide comfort, reduce loneliness, and increase mental stimulation. They are also shown to lower blood pressure and improve cardiovascular health, reduce the number of medications some people need, help control breathing in those with anxiety, and diminish overall physical pain, among other profound benefits.

    MIL OSI USA News –

  • MIL-OSI USA: U.S. Court of Appeals for Veterans Claims 16th Judicial Conference

    Source: US Department of Veterans Affairs

    Thanks so much to everybody. Good morning to you. Thank you for inviting me to join you for your 16th Judicial Conference.

    You had me a couple of years ago. The fact that you welcomed me back notwithstanding the intervening time as Secretary I take as a mildly positive sign. We’ll see how the reviews are on that at the end of the speech.

    Chief Judge [Michael] Allen, thank you so much for the introduction. It’s fitting that you’ve stepped up to Chief Judge during this conference because, as I gather, your introduction to Veterans law for the first time was when you accepted an invitation to speak to this very conference in 2006. And at that conference, you recognized the importance of Veterans law, and so here we are.

    Thanks for all you have done for Veterans, even before you joined this Court. You became one of the first professors with expertise in Veterans law, and you founded one of the law school clinics providing pro bono legal access for our nation’s heroes. I appreciate that one of your very first actions as Chief Judge was to introduce me just now. And so, I take that very seriously. So, thanks for that. I hope the rest of your tenure is as auspicious.

    Judge [Margaret] Bartley, also known as Chief Judge Bartley for the last five years, congratulations. And thank you for your 30 years of service to Veterans. You’ve worked to ensure that Veterans receive all the benefits and services they’ve deserved and they have so richly earned, provided them with pro bono representation yourself, clerked for this Court, been appointed as a judge on this Court, and elevated then to Chief Judge. Your service to Veterans, to the national interest, to the country, has been remarkable.

    And thanks also to all of you here at this Court, including this Court’s other distinguished judges, VA employees from the Board of Veterans Appeals and Office of General Counsel, attorneys representing Veterans before the CAVC [Court of Appeals for Veterans Claims], law professors, law students, and of course Veterans. No matter your role, you all care deeply about our nation’s heroes.

    One of the benefits of this biannual event is that it brings us all together. It might be on different sides of the table, but each one of us supports Veterans all the time.

    Let me begin where this Court began.

    During legislative hearings leading to passage of the Veterans’ Judicial Review Act in 1988, Sonny Montgomery—then-Chairman of the House Veterans Affairs Committee—said, “Accurate, informal, efficient, and fair. These are the goals which have guided the committee in … expanding judicial review of VA decision-making …. [It is] not intended to express displeasure with the BVA [Board of Veterans’ Appeals] method of reviewing claims or imply that the existing review process is unfair.”

    “To the contrary,” he said, “the committee believes that Veterans presently receive every possible consideration where the BVA reviews a case, and the committee expects that the new court will be similarly inclined.”

    That’s quite a statement from the chairman of a Congressional committee. And given that statement, and Chairman Montgomery’s observation about “Veterans [receiving] every possible consideration,” I’ve been wondering what he would think of the last few years, years which have seen significant improvements and significant developments in Veterans law.

    Two changes in particular have impacted the Veterans law landscape.

    First, the Appeals Modernization Act [AMA], implemented in 2019, has improved the appeals process—so far. The AMA has made appeals faster, it’s provided Veterans different options for addressing denied claims. But we are still operating in two separate legal systems, with different options for Veterans filing appeals, and thousands of Legacy claims being adjudicated.

    Second, President Biden’s PACT Act in 2022 greatly expanded VA health care eligibility for toxic-exposed Veterans and extended enhanced eligibility for Vietnam era, Gulf War era, and Post-9/11 combat Vets. We’re seeing Veterans file more benefits claims than ever before.

    In 2023, VA processed nearly 2 million benefits claims—a record high. So far this year, we’ve exceeded that by processing more than 2.4 million, with another 10 days left, yet, in the fiscal year, on pace to surpass last year’s record by more than 27%. The VBA grant rate for these claims is 64.2%—and as high as 75% for PACT Act claims. In 2024, the average overall disability rating granted to Veterans is 70%, with over $20,000 per year in disability compensation.

    Now, I know I’ve just listed a bunch of stats. Nearly every one of them represents all-time VA highs. But let’s remember that behind every one of them is a Veteran and their family receiving life-changing benefits and care.

    Now, breaking records is good. But it’s not good enough. Because here’s the bottom line: we have a lot of work left to do, a lot of improvement. In fact, we need to improve. We must keep Veterans at the heart of everything we do. Part of that involves the appeals process. So, let’s talk about what that looks like.

    When Veterans aren’t satisfied with decisions they’ve received, they have several recourses under the AMA, as you well know. Over the last three years, the Board of Veterans Appeals has hired more than 50 Veterans Law Judges, hired more than 350 attorneys, and has issued more decisions than ever before.

    In 2023, the Board issued 103,245 appeals decisions, again a record. And in 2024, the Board has already issued more than 111,000 decisions—another record again, with 10 days left in the fiscal year—so I don’t want any of the BVA personnel or the Board of Appeals team in the room there thinking that you can take the next 10 days off.

    The appeal rate to this Court has dipped over the last several years also. And last year, it was 7.4% of cases. However, this year there will still be about 9,000 BVA decisions appealed to this Court. Nine thousand of our nation’s heroes who have not received all the benefits they believe they’re entitled to, and in fact they believe VA has wrongfully denied them access to.

    Nine thousand.

    It’s long and complicated, and many of appeals don’t result in the outcome they desire. But it’s not simply the denial of benefits that makes Veterans unhappy. It’s the process, which can involve remand after remand and years and years of waiting.

    Each week, hundreds of Veterans send me letters. I’d estimate that a third of those express frustration—and let’s just say I’m being diplomatic here—frustration with the benefits claims and appeals process. Let me share selections from a few of them.

    In June, Travis in North Carolina wrote me: “Dear Secretary McDonough, I am a military Veteran writing to express my deep frustration with the unacceptably long wait times for decisions on VA disability claims. After sacrificing for my country, I now find myself struggling with service-connected disabilities and trapped in a seemingly endless bureaucratic process. This unresolved claim has caused tremendous stress and hardship for myself and my family. We rely on disability compensation not only for income, but for access to VA health care critical for treating my service-connected disability.”

    Later in June, I received a letter from Chris in California—U.S. Marine, Vietnam, now in his 70s. He described multiple remands from Board judges ordering tests from an orthopedic specialist and x-rays to determine service connection for arthritis. But, Chris wrote, a VA contractor sent him to urgent care, not a specialist, and sent him to an imaging center incapable of conducting x-rays. He’s still waiting to see a specialist. He’s still waiting for x-rays. Chris ended with, “I am dismayed, disappointed, even appalled that our government and country I was so excited and happy to serve at 17 years of age would treat me this way. Shame on you and on your team.”

    Shame.

    And in August, Deborah in Tennessee, emailed me. Her husband, Army Vet, had a disability compensation rating of 100%. “Since his death in 2022,” she wrote, “I’ve been trying to get widows benefits. I’ve filed, been rejected, appealed, got a Veterans assistance firm to help, but every time the VA comes up with some sort of excuse, in the hopes I’ll give up. I have to borrow money from family members just to pay utilities bills. I fear I’ll lose my home. I need help to get through the process. Please help me.”

    Now, there’s countless other Veteran letters I receive that express similar disappointment, heartache, anger, betrayal. So how can we address—alleviate—that frustration that Veterans so clearly express with our appeals process?

    Well, we do it by getting to the root of these issues.

    The Board of Veterans Appeals grants Veterans relief about one third of the time. One third.

    Yes, we have to follow the law, we want to follow the law, we do follow the law. There’s no way to wave a wand and grant every single appeal. But too many Veterans—caught in the endless churn of remand after remand, claims examination after examination, hearing after hearing—don’t trust the process. We need Veterans to trust us, to trust the appeals process, and to understand why we reach the decisions, even if, in fact particularly when, they walk away disappointed. We—the Board, this Court, private counsel—can gain trust through final decisions, and final decisions that are faster than Veterans get today.

    Look, the AMA has enabled us to make the process better, although there is still more to be done. Over the last few years, the Board’s AMA decisions result in 20% fewer remands and 10% higher grant rates. On average, final resolution of all issues in AMA cases takes between two to three years, faster than the seven to 10-year average before the passage of the AMA. But still, two to three years is too long.

    Here’s the reality. Today, Legacy appeals take about six years. That’s faster than before, but that’s still six years. None of us thinks six years is fast enough. That duration is going to tick up and up, and appeals are going to take longer and longer, because there’s 40,000 Legacy cases still at VA.

    Each year this Court remands thousands of additional Legacy cases to the Board. At any given time, 54% of the Legacy cases the Board is adjudicating have already been seen by a Board judge at least twice, nearly 30% at least three times, and almost 10% have already been adjudicated five times or more. 

    Even after the Board resolves all issues, for many Veterans the journey’s not over. It can take years to get a decision from this Court or the Federal Circuit. Typically, that decision just returns the case to the Board for further adjudication.

    I think we can do better for Veterans. I know some of you are talking about these issues in various settings, including sessions with the Bar Association. And that’s encouraging. Yes, it’s important to capture ideas and suggestions for change down the road, but let’s think about how we can help more Veterans now—improvements that VA, this Court, the private bar can implement sooner rather than later to benefit Vets. Now, none of us is immune here. We can all do better, no matter where we work.

    First, the claims examination process. Contractors speeding through compensation and pension exams, or not carrying out clear instructions on what to focus on, or conducting exams rife with inaccuracies. VA can—in fact, must—ensure that these exams are more accurate, with higher quality, leading to more resolved claims. Under Secretary [of Benefits, Josh] Jacobs and his team are working hard to implement quality measures on C&P exams—reducing unnecessary exams where we can so as to get to a decision sooner.

    Second, the Board of Veterans Appeals. I’ve challenged the Board to increase efficiencies. I’ve asked them to increase capacity, increase output. I’ve asked them to find ways to fill hearing slots that open up due to cancellations and increase appeal resolution rates so that we can reduce wait times for Veterans. I’ve also asked the Board to explore how we better inform Veterans of the expected wait times before their appeal will be issued. I know they are discussing these issues, and they’re figuring out how to do it. It’s not easy. The hiring process, which we’ve had our foot on the gas on over these last several years—also too slow.

    Remands going back and forth between the Board and this Court often aren’t productive, in my view. We’ve heard concerns that sending remanded cases back to the same Board judge may not always be the best way to get finality.

    Third, this Court. I ask you to ask yourselves, if we’re remanding 75% of appeals back to the Board, are we doing everything we can for Vets? Are we moving with efficiency and urgency? Vets don’t want to wait year after year, not knowing whether they’ll receive benefits or not. Veterans need timely, fair, final decisions on their claims, decisions that either grant their benefits, or fairly deny those benefits only after proper hearing, proper development, a full consideration of all the evidence developed, and a correct application of law. They don’t want to be stuck in legal limbo. 

    Fourth, private counsel. One of the AMA’s improvements is that it gives Veterans options besides filing an appeal with this Court. Consider whether you’re always choosing the best option for your client, especially when the Veteran, or their surviving family member, or their living family member, wants a final decision on the claim—and quickly. Is an appeal to this Court the best option for your client when you know there’s a strong likelihood of a remand, or even multiple remands, and no resolution for years and years? Or would it be better for the Veteran to file a supplemental claim that can be processed much faster than a remanded appeal?

    To everyone, please think about what happens if the system stays the same. Thousands and thousands of Veterans will continue to wait, burdened by what to them is a broken bureaucracy. They will continue to view appeals with disappointment and anger.

    What are Veterans doing to make the system work for them? They are turning to unaccredited representatives who call themselves “coaches” or “consultants,” charging Vets high amounts or outrageous percentages of future benefits. Veterans turn to these claim sharks because they promise the Veteran they’ll get a quicker resolution. And as payment, the Veteran signs over a portion of the benefits that Veteran earned serving our nation. This surely is not what we want.

    We have to do better.

    We need finality, and we need that finality more quickly. Finality in the appeals process isn’t dictated by just one factor or one specific actor. Getting to final decisions—and how we get there—depends on actions and decisions of VA, claimants, their lawyers, and judges. If we want Vets to receive benefits they are entitled to, and for their claims decided fairly and justly—which everyone in this room surely wants—we must focus on finality and achieving finality with urgency.

    Let’s consider how we make the system better for Vets. Talk about this with each other during your time here and after you leave. Because what everyone wants, I know, is for Veterans to receive all the benefits they have earned, accurately, quickly, fairly—the goals Chairman Montgomery hoped this Court would achieve.

    The President often says that our nation’s only sacred obligation is to prepare and equip the troops we send into harm’s way, and to care for them and their families when they come home. The second part of that solemn duty is VA’s to fulfill, each and every day. And in this instance, it’s not on VA alone. It’s on each of us here. Each decision at VBA, the Board, this Court, and counsel appearing before this Court has an impact on the Veteran. And often, the impact on a Veteran, their families, and survivors is, in fact, life changing.

    Remember, justice delayed is justice denied. Veterans did not hesitate to raise their hands and put their lives on the line for all of us. They didn’t say wait. So, let’s not make them wait one second longer than they have to for their hard-earned benefits.

    It’s on all of us to make that happen.

    Thanks for letting me be here today with you, and now let’s hear from you on your questions.

    Really appreciate you.

    Chief Judge, back to you.

    MIL OSI USA News –

  • MIL-OSI Europe: Sweden increases 2024 humanitarian assistance by SEK 461 million

    Source: Government of Sweden

    Sweden increases 2024 humanitarian assistance by SEK 461 million – Government.se

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    Press release from Ministry for Foreign Affairs

    Published

    The Government has decided to advance its allocations to the UN World Food Programme (WFP), the UN Refugee Agency (UNHCR) and the UN Population Fund (UNFPA). This comes as humanitarian needs are increasing while these organisations’ life-saving activities are severely underfunded. Sweden is therefore augmenting its 2024 support by SEK 461 million, of which SEK 186 million will be allocated to WFP to stave off famine, SEK 185 million to UNHCR to help displaced people and SEK 90 million to UNFPA to prevent maternal mortality and combat gender-based violence.

    “We see how humanitarian crises around the world are becoming deeper and more numerous, while funding is not increasing at the same pace. A record number of people are displaced. More than a million people are on the brink of starvation in Gaza, Haiti, Mali, Sudan and South Sudan. The support we’ve approved will help the family in Darfur who lost everything when fleeing violence and conflict and, at best, might only have a loaf of bread to share for dinner tonight, or the heavily pregnant woman in Gaza who might not survive childbirth. Sweden’s development assistance makes a difference in these heartbreaking situations,” says Minister for International Development Cooperation and Foreign Trade Benjamin Dousa.

    Hunger and forced displacement are currently two of the most prominent humanitarian challenges. More than 300 million people are suffering from chronic hunger in 71 countries, and more than 120 million people are displaced from their homes. For the first time in seven years, there is famine in the world – this time in Sudan, where more than 12 million people have been forced to flee their homes since April 2023. Women and girls are often particularly vulnerable in humanitarian crises and lack life-saving maternal health care and other sexual and reproductive health services. The assessment of the UN is that more than 300 million people will need humanitarian assistance in 2024.

    At the same time, donor countries have only provided one third of the funding required. A number of humanitarian organisations are thus facing an urgent and extremely strained situation. These include the central UN agencies – UNHCR, WFP and UNFPA – where liquidity shortages are currently threatening their ability to help people in need. It is therefore particularly urgent that the Government disburse Sweden’s support to these UN agencies now, earlier than planned, when their life-saving operations are needed most. Sweden will also provide SEK 185 million to UNHCR and SEK 133 million to WFP in remaining funds that the Government approved earlier this year. Sweden is providing a total of SEK 779 million to these three UN agencies – much needed additional funding for an important cause.

    Sweden is one of the world’s largest humanitarian donors. Every day, Swedish kronor help people with the most pressing humanitarian needs. This government decision means that Sweden is taking even greater responsibility for helping people who are displaced, suffering from famine, lacking maternal health care or subjected to gender-based violence. At the same time, more actors must renew their efforts to reduce humanitarian needs and expand the humanitarian donor base.

    Press contact

    MIL OSI Europe News –

  • MIL-OSI USA: Governor Hochul Discusses Youth Mental Health at Summit

    Source: US State of New York

    Earlier today, Governor Kathy Hochul participated in a Concordia Summit Fireside Chat on Youth Mental Health in New York City.

    VIDEO: The event is available to stream on YouTube here and TV quality video is available here (h.264, mp4).

    AUDIO: The Governor’s remarks are available in audio form here.

    PHOTOS: The Governor’s Flickr page will post photos of the event here.

    A rush transcript of the Governor’s remarks is available below:

    Penny Abeywardena: Good afternoon. So, we’re going to talk about something that really should be on the top of minds for all of us, and that is the many aspects of phones and schools to explore today. And there is no one better to reflect on this than our mom-Governor, Governor Hochul.

    So there are two massive clusters of changing norms colliding over this past decade. Parents driven a lot by anxiety and concerns have been buying smartphones for their kids. How do I keep my kids safe in school? With mental health challenges and bullying, how can I make sure my kid is okay during the day?

    And then, can I ensure my kid is keeping up with the technology? And then let’s not forget that the smartphone and video game and social media industries have focused on maximizing and monetizing screen time. So now these trends are complex and interdependent, but there is leadership that is going to help address this. And so it is a pleasure to be in conversation with Governor Hochul on this.

    Now, I want to know what your aha moment is, and I do think this is a moment to reflect on personal experience. We were just talking backstage, I have an eight-year-old in the public school system here in New York City. This became a big issue over the last few weeks. And I was properly shocked because he’s eight. And so this is something that quite honestly all of us need to be thinking about. And so, Governor Hochul, through your personal experiences or insights, can you tell us what influenced you to really focus on this issue from a legislative perspective?

    Governor Hochul: Thank you, Penny, and for Concordia for elevating this issue. I was here last year talking about climate change, and I’m always happy to talk about that. I can give you the speech I gave a few hours ago. But this is something a year ago I would not have thought we’d be talking about here. But I am so happy that this has finally taken hold because as a mom, a parent, you are hardwired to protect your children. Full stop. You wake up in the morning, start thinking about them when they’re little, late at night when they’re out with their friends you don’t sleep until they’re back home. That’s how we are. And as the Governor of New York, my number one job also has to be to protect all New Yorkers.

    So, you asked what my aha moment was. About a year and a half ago, I started convening mental health roundtables because we knew we were starting to see the signs that young people in particular had not fully emerged from the pandemic. They are still stressed out. The statistics on suicide, especially for teenage girls contemplating suicide, the depression, the anxiety, it was off the charts. So, I started having meetings and gathering kids and talking all over the state, and there was one not that long ago where the young woman – we started talking about the impact of social media and how it really takes hold of them. They’re held captive to these algorithms that are designed to bombard them with information that they will like because it’s taking personal information about them and turning it around and pulling them in deeper and deeper.

    And I said to this young woman – she was telling me how “I’m getting bullied during the day and all these social media and everybody’s doing this and I’m missing out and I have FOMO,” I said, “What do you want us to do?” She goes, “You have to save us from ourselves.” And that was my aha moment, when I realized it’s hard for parents to say you’re going to be the only teenager in the school without a cell phone, it’s hard for the school district to take it on and say, “We’re going to be the heavies,” teachers have enough on their plates, they don’t have to be the enforcers. And I realized this calls for government intervention, and I’m not afraid to take on the fights, especially when we’re fighting for our kids’ mental health.

    That was when I said, “Let’s find out what we can do to control these social media companies,” and we can talk about our nation-leading legislation, but also I’m right now developing a policy that’s going to say, “Bell to bell, full school day, phones should not be in the hands of children because they’re being denied the chance to learn, the teachers are frustrated that they’re not paying attention anymore, but also it has taken them to negative places, and it’s horrible for their mental health.”

    Penny Abeywardena: It really is. And different levels at different ages and grades, the impact is even more optimized, right?” Now, it would be great if you could talk about the significance of the first-in-the-nation law you signed to combat addictive social media feeds. And I will say, I hope many of you realize this, Instagram changed their policy last week, and I’m assuming it’s because they’re seeing the serious movement that’s coming from around the country, led by –

    Governor Hochul: Well, that’s true. In the era of – waiting for industries to self-regulate in the best interest of consumers is probably never going to happen. So, I’m not holding my breath. We encourage the tech companies, social media companies to work with us. Obviously, you’re always threatened by lawsuits. And I said, first I have a lot of lawyers, I can hire any lawyer in the state I want so bring it on. But I’d rather not. I said, “Why don’t you get out of the courtroom and come into my conference room and help devise solutions, because you know what you’re doing. You know exactly what you’re doing. You design these algorithms that’ll capture all this personal data about any age, a 10-year-old, 12-year-old, 15-year-old,” and they’re using it to structure messaging around your interests.

    We worked with them, they resisted, they built a campaign against us, they spent a lot of money. And I was able to work with our Attorney General, Tish James, here in New York, and legislators, and work with a coalition of parents and Common Sense Media, and formed a coalition where we were able to fight back. And our legislation – which we encourage every other state to adopt, I hear California’s looking at this now – it basically says a couple of things: one, is you cannot collect private data about anyone under the age of 18. You can’t collect it, you can’t sell it. You cannot monetize our children’s mental health any longer, you’re barred from that. Secondly, you are forbidden, barred from being able to target young people with algorithms designed based on their tastes.

    Now, a young person is not prohibited from going to your sites. They can talk, they can go to all kinds of chat rooms, they can talk to their friends, they can do whatever they want. But you cannot target them. And that was a heavy lift for them, and it’s a heavy lift to get through in legislation, but we did it. I just signed it into law a few months ago, and I’m really proud of it.

    We’re working on the regulations, but I always think about the fact that they told us, “Well, we have no capacity to identify who’s under the age of 18. This is an impossibility.” It’s like, “You’re tech companies, you can do anything, figure it out.” And somehow, magically, Instagram announced last week, they figured it out.

    I have immense faith in their ability to solve problems even if it’s against their self-interest.

    Penny Abeywardena: And that’s really bringing everybody to the table. When we think about the efficacy of what you’ve been able to do, it really came down to really strategic collaborations. Can you talk about how you worked not only with parents and teachers, but unions? We talked about authorities and the police; I’d just be curious how everybody’s playing a part in all of this?

    Governor Hochul: That’s a great question because you can’t go into these battles alone, right? You have to have allies as you march into war. And here’s what we needed to have. First of all, many parents on their own have said they know how bad it is. They’ve seen their children, especially if they were able to get a cell phone at age 12, 13, 14, they turn into a different person. First of all, they lose the capacity over time to have real, genuine social interactions. They don’t make eye contact. They don’t talk to other students. In school, the cafeteria is silent. They’re silent when they’re in the schoolyard. They’re silent in the halls. And the school districts that – on their own – were courageous enough to ban them said they now hear children laughing, talking, even arguing, they’re communicating more.

    And it was stopped. It was a dead silence. It was so unnatural. So, I had to get teachers on board, that was the easiest one. 72 percent of teachers across this country say that they are tired of the distractions and their inability to communicate with students or make connections in a way that are positive relationships.

    This is, outside a parent, the most influential person in their lives is a teacher. And the teacher is trying to do the best they can, and they’re being thwarted. They’re not learning, but they’re also not making connections.

    They’re stunted in their growth. They’re not turning into young adults eventually, over time, and ultimately adults. And we needed teachers on board, principals on board, school districts on board, and I said in all my – I did roundtables all over the state with all these parties at the table. I said, “I’ll be the heavy, just blame me, say, ‘that mean Governor made us do this,’ I mean I’ll take that on.” Because as a mom, I know how important this is and it would have helped me enormously to tell my kids, “I would have let you have the cell phones in school, but hey, it’s the law, I can’t let you do that. I still love you and I’d let you do anything else.”

    It’s about relationships, the ability to say no, which I have no trouble saying to my kids, but some do. But I also need law enforcement, and this is interesting, because my kids were in middle school during Columbine, the very high-profile mass shooting, and you still say the word ‘Columbine,’ I get chills because I know what it did to my sense of security. And we have so many other cases since then, I just spoke about Uvalde at another forum.

    So I thought, I have to think about how this affects parents’ sense of security when they say goodbye to their most precious little child, whether it’s kindergarten or 12th grade. I talked to law enforcement, what they said was so striking. If there is a crisis on campus or in the schoolyard, in the school, a mass shooting, worst case scenario, the last thing you want children to be doing, the last thing, is looking at their cell phone, texting mom and dad, sending messages, maybe videoing because they want to be the one who captures this. First of all, you’re telegraphing where you are, okay? You’ll hear this. Also, the police said to me the place their attention has to be is not on their smartphone, it has to be on the front of the classroom where the teacher is going to lead them to safety.

    When I heard that, it was like the clouds parted. I said, that’s the argument for parents. They need to hear that. So we’re not through yet. I’ve proposed this and loosely I said I’m going to be developing a policy. I will be working with these same groups I just mentioned. Everybody to let them understand how important this is and it’s also when I think about employers in my state, I want to be able to let them know that when young people emerge from their educational process, they’ll be fully functioning adults who have social interaction skills, who’ll be able to have the creative collisions and talk to someone else, a colleague, and work in teams and strategize together and really be more productive instead of someone who’s, again, their existence for a number of years has just been with the virtual world.

    And I can’t control what happens after school. Like my nieces are on all night long. I said, who are they talking to all night long? Isn’t anybody sleeping? And so they’re not, because they’re talking to kids on the other side of the world, literally. So we also say no notifications, and parents have the ability to turn it off. Sorry, kids, you can’t have it on from midnight until 6 a.m. I think Instagram actually said 10 p.m. to 7 a.m., which I thought was extraordinary. So parents are being empowered. So now we have to educate the parents. This is what it looks like, this is how you handle it, and when your teenager gets, tries to get around it, this is how you undo what they did. We have to help the parents get through this as well, but ultimately, imagine a world where this never happened. We’re not dealing with these high rates of depression and anxiety in young people and the bullying that goes on in schools.

    One mom said her husband has to leave work every day to be there at the end of the day when the child comes home from school because he gets picked on so badly on his own cell phone, watching it all day long, people are saying that he’s about to commit suicide and they want to keep an eye on him.

    If that doesn’t hit you as a parent – what is happening? But a world where we say, no cell phones, we just go back to the way it was when we were younger.

    Penny Abeywardena: Yeah.

    Governor Hochul: And if you need to – forget your lunch or you need to figure out how you’re getting home at the end of the day, guess what? There’s phones in the office. It’s a radical idea. Go down the hall, talk to your counselor, talk to your principal, can I use the phone?

    Penny Abeywardena: Talk to someone.

    Governor Hochul: And maybe forget your lunch and you go hungry; you won’t do it the next day. That’s called learning about life, right? Consequences. So it’s, that’s how I was raised. I don’t know. Maybe I’m old school, but I want to save our kids. It’s this important. I have to work on this intensely to at least save our state’s kids and hopefully other states will follow. And a number have, there have been other states that have done it.

    Penny Abeywardena: I was curious what kind of advice you would give to other state lawmakers because we talk about these coalitions as groups, but they’re important constituents who vote. So they’re concerned about making parents angry and losing that support. And I’d be curious what strategies and ideas you would offer to other state lawmakers to take this on.

    Governor Hochul: Just looking at it globally, the easiest thing in the world is to do nothing. Just wait for someone else. “It’s too hard.” Believe me, there’s a lot of challenges in New York to be a lot easier to pass on to somebody else. And that has happened. And I’m the cleanup Governor. I have a lot of work to do to try and invest, we never invested in mental health in the state.

    For example, never, no one ever talked about mental health as if it was an issue at all. I invested a billion dollars in my first budgets and said, we have to deal with everything from the lack of training for more professionals to be in the field to school-based clinics, so we can treat the kids right in schools if they have challenges to the homeless on the subways, more beds in hospitals. We looked at it holistically and we’re making real progress. So my advice to them is just show some profiles and courage once in a while. Shock everybody. Do something that’s a little bit difficult on the front end, but we’re in the world to make a difference.

    And these positions are positions of great authority, but they also hold a lot of responsibility for us. If you’re not making a difference every single day when you’re in a position like I am, then just stay in bed. I mean just don’t even bother because your job is to make a difference. Find problems – the easy problems my brilliant staff will solve, the hardest ones are on my desk and that’s what a Governor is supposed to do. It’s just, and if you’re not going to fight for kids, who are you wanting to fight for? That’s a statement about your values.

    Penny Abeywardena: And building on that. So there’s a middle ground, right? There are these bags you can have in school, so the kids get their phones, they get to show up at school with their phones, but then put them in. We had an interesting conversation backstage, and I was wondering if you can share, you know, our kids are smart.

    Governor Hochul: Yeah, kids are very smart. There are a few school districts in New York, Schoharie School District, up near the Capitol. They went full board, they did it a couple years ago, they said it was hard, there was a lot of resistance, parents said no, teachers didn’t want to be enforcers, and now they’re so glad they didn’t. And people now, and they had signs in front lawns, protesting taking cell phones away from kids.

    Give me a break. So I know it’s coming. I know it’s coming. But, these, so they have these bags, and there’s all sorts of ways to do this, but there’s these bags that are magnetic. Teacher watches the children put them in the bag at the beginning of the school. Only the teacher can unlock it so at the end of the school day they’ll get their phone back.

    No one’s going to steal it. It’s safe. Some kids are showing up at school, the teachers told me, with two cell phones. They lock one up in front of the teacher. Okay, kids have burner phones now? Okay, or what parent is buying their kid two cell phones? Okay? And then they use the other one all day.

    The other thing I think is important for parents to know. One of the teachers, she said, “We have to deal with the integrity issues.” I said, “What’s that mean?” It’s a nice way of saying they’re cheating. The whole world, all the answers are sitting there on their lap, and they’re not learning because they don’t have to. Or they run off to the lavatory with their phone, even the schools that ban it but let you have it during lunchtime or during breaks. They’re looking up information that they’re never going to learn properly from. And people say they’re not going to learn how to use technology. What do you think they’re doing the second they get home?

    They have all night long they’re doing that. I can’t control that. That’s up to parents. The last thing I’ll say on this is – parents, watch what you’re doing too. Kids learn from you. If you won’t put down the cell phone at the dinner table, or when you’re talking to them after dinner, by the time they’re mid-teenagers, they don’t even want to see you, so work on them before that. I believe I speak from experience. But show the kids they matter. Go to one of your meetings and leave your cell phone on your desk. The world will not fall apart. Somehow, we got to this age of 2024, surprisingly, throughout most of history, without being able to be connected and scrolling while your boss is talking to you, or while your colleagues are trying to present something. Just show basic respect to each other. Let’s not forget those skills. Respect each other, put down the phone.

    Penny Abeywardena: Put down, and that they’re paying attention to you and what you’re doing. I want to, we’re about to run out of time, but you mentioned, can we just talk about the investment that you made in mental health and other educational initiatives. Can you just share some of the programs and initiatives you have coming up that essentially reinforce this legislative –

    Governor Hochul: Yes. Again, one of the most significant things we’re doing is the mental health services in schools. Yeah. And so we’ve had to ensure that we’re funding workforce training for a whole new generation of more people going into the mental health professions, because I can open up a clinic in every single school. I could never staff it. I have to work with the unions and the training programs and put money behind this and training in hospitals. And so part of ours is creating a whole new generation of more healthcare workers, especially focused in this area. So that’s one big area, but I would say this, we also just need services, wraparound services from the get-go. My job is to make sure that our children emerge with healthy minds and not needing a lifetime of mental health services because we didn’t do our jobs when we had them in school.

    Penny Abeywardena: That is a perfect conclusion. Thank you so much, Governor Hochul.

    MIL OSI USA News –

  • MIL-OSI Europe: Global Partnership Statement on Gendered Disinformation

    Source: Government of Sweden

    The text of the following joint statement was released by the Governments of Australia, Chile, Denmark, France, Iceland, the Republic of Korea, Spain, Sweden, New Zealand, the United Kingdom and the United States of America

    The undersigned country members of the Global Partnership for Action on Gender-Based Online Harassment and Abuse (Global Partnership) call attention to the urgent need to counter the spread of gendered disinformation and address all forms of technology-facilitated gender-based violence (TFGBV) against women in political and public life.  

    Gendered disinformation is a threat to societies defending peaceful, democratic values. False or misleading gender and sex-based narratives are being used in campaigns by malign actors to deter and discredit the participation of women, girls and LGBTQI+ persons in political and public life. This not only causes deep harm to the individuals targeted, but also threatens electoral integrity, access to information and the exercise of freedom of expression. At the same time, new and emerging technologies are being used to enable harmful, violent rhetoric and attacks against women, girls and LGBTQI+ public figures across borders at a scale and speed previously unseen.

    In our 2023 Road Map, the Global Partnership committed to promoting the meaningful participation in public life for women and girls, in all their diversity, by countering TFGBV and gendered disinformation.  

    We welcome the work being done to shine a light on how and why gendered disinformation is conceived, who it targets and how it is spread. Last year, in a groundbreaking study, Canada, the European External Action Service, Germany, Slovakia, the United Kingdom, and the United States jointly assessed the tactics used by foreign state and non-state actors to sow gendered and other identity-based disinformation across the world. 

    In March 2024 the Global Partnership and members of its Advisory Group co-hosted a multi-stakeholder conference convened by the National Democratic Institute on possible responses to countering the spread of gendered disinformation in the context of electoral processes. Stakeholders affirmed the need for a comprehensive response to disrupt the spread of gendered disinformation and to support victims and survivors. 

    The world is at a critical moment for upholding democracy. More than 100 countries have held, or are soon to be holding elections, many of them taking place under democratically challenging circumstances. The active participation of all people, including women, girls and LGBTQI+ persons, is essential for secure, healthy and prosperous democracies.    

    We call upon states to join us in recognising and taking action to counter the threat of gendered disinformation to democracies globally. We urge technology and other private companies to take appropriate action to respond to this threat, including a commitment to a Safety-by-Design approach to the development and deployment of platforms and technologies. We ask states and all stakeholders to defend and protect the ability of women, girls and LGBTQI+ persons to participate in public life freely, safely and without fear.

    MIL OSI Europe News –

  • MIL-OSI Global: No, immigrants aren’t eating dogs and cats – but Trump’s claim is part of an ugly history of myths about immigrant foodways

    Source: The Conversation – USA – By Adrienne Bitar, Lecturer, Cornell University

    Republican presidential nominee Donald Trump debates Democratic presidential nominee Kamala Harris on Sept. 10, 2024. Win McNamee/Getty Images

    When Republican presidential nominee Donald Trump said during the presidential debate on Sept. 10, 2024, that Haitian immigrants are eating pets, food historians like me were not surprised at the slur. Trump’s lie followed a long American history of peddling ugly rumors about immigrants stealing and eating pets.

    Dietary rules that unite and define American cuisine can so easily be perverted to use disgust to divide Americans. In the U.S., cow is food and dog is friend. Chicken is food. Cat is companion. The sharp lines between the animals Americans eat, love, protect and exterminate help write the dietary rules that define American norms.

    What we eat, what we don’t and with whom we break bread are just some of the food rules that unite and define Americans. Think of how turkey – or tofurkey – unites Americans behind the Thanksgiving ritual. Bottled water. Ice. Ballpark hot dogs. Airplane pretzels. Movie theater popcorn.

    Food can also establish group identity apart from the mainstream. Think of the many factions of vegan, vegetarian, paleo, grain-free and carnivore dieters who use food to express a political position. Also, of course, religious dietary proscriptions have worried scholars for centuries so that Jews, Muslims and Christians may never share a meal.

    There is no evidence that Haitians are stealing and eating pet cats and dogs. There is evidence, however, that racists have long twisted dietary rules to divide people and dehumanize immigrants. Trump told a lie to draw a line between Americans and others who allegedly eat the animals Americans love.

    A sign at a popular hot dog restaurant in Chicago reads ‘Immigrants eat our dogs,’ on Sept. 12, 2024, two days after the presidential debate.
    Scott Olson/Getty Images

    The legend of delicious pets

    The myth of eating pets traces back to old legends in Europe, Australia and the United States that “immigrants are stealing our cats and dogs for their dinner tables or to serve in ethnic restaurants,” writes the folklorist Jan Harold Brunvand.

    Two of the most common food-based legends center on “Oriental restaurants serving dog (or cat) meat, and legends about Asian immigrants in the United States capturing and cooking people’s pets,” Brunvard writes.

    By 1883, the legend was so well-established that the Chinese-American journalist Wong Chin Foo offered US$500 to anybody in New York for proof that Chinese people were eating cats or rats. No proof was found, but that didn’t stop the racist jokes or urban legends.

    None of the many examples deserve retelling. But scholars, for example, have cited “sick jokes” such as a “new Vietnamese cookbook is titled 100 Ways to Wok Your Dog.”

    Or as comedian Tessie Chua joked about her multiracial Chinese, Filipino and Irish identity in 1993 when she said, “That means I eat dog, but only if I can wash it down with Guinness Stout!”

    In 1971, mainstream news outlets, including Reuters, reported an “outrageously silly urban legend” of a pet poodle named Rosa served at a Hong Kong restaurant, complete with chili sauce and bamboo shoots.

    In 1980, Stockton, California, was seized by racist rumors of Vietnamese families stealing expensive purebred dogs for dinner.

    As recently as 2005, the TV show “Curb Your Enthusiasm” showed wedding
    guests vomiting     after being misinformed that they had eaten a German shepherd named Oscar, prepared by a Korean-American florist. “Oscar is bulgogi!,” Larry David cries.

    Scholars calls these tropes a “nativist backlash” and “vehicle for anti-immigrant and especially anti-Asian sentiments in the U.S.”

    A long history of food-based slurs

    More precise, maybe, than the adage that “we are what we eat” is that we are what we won’t eat. Shunning our neighbor for their vile food – stinky, strange, unpalatable – is also decidedly an American tradition.

    “Garlic eater” was at one time recognizable in the U.S. as an ethnic slur for Italian Americans in the early 20th century. The names “spaghetti bender” and “grape stomper” were also used, but “garlic eater” stuck because, as one scholar argued, “garlic served as an ‘olfactory signifier’” – a distinguishing odor – “for the alien who consumed it.”

    So when far-right radical Laura Loomer tweeted in September 2024 that the White House “will smell like curry” if Kamala Harris becomes president, she was also using food to stoke racist fears.

    Americans aren’t alone in doing this. Some Persians call Punjabis “dal khor,” meaning dal-eater, and some Romanians call Italians “macaronar,” meaning macaroni-eater. Both are slurs. Iranians have been known to call Arabs “malakh-khor,” or locust-eater, and Southern Italians sometimes call Northern Italians “polentoni,” or polenta-eater.

    To an outsider, being called a lentil- or polenta-eater seems more like praise for a healthy diet than a racial epithet, but such are the vagaries of racism: People hate who they hate and justify it however possible.

    Other examples of how food can distinguish communities abound. In the Amazon, the Parakanã people appreciate tapir meat but abhor monkey. The Arara people, their neighbors, feel the opposite. Both groups are disgusted by one another. Curry, garlic, tapir, polenta, lentils – it doesn’t matter what the nail is, but how the hammer hits.

    Philomene Philostin, a naturalized U.S. citizen of Haitian origin, works in her store in Springfield, Ohio, that caters mainly to Haitian residents.
    Roberto Schmidt/AFP via Getty Images

    Rumors with real-life consequences

    Urban legends about food and racist rumors can have serious consequences. Earlier in 2024, a false rumor that a Laotian and Thai restaurant in Fresno, California, cooked pit bulls led to such vile harassment that the owner, David Rasavong, moved the restaurant to a new location.

    After Trump repeated the myth during the debate that immigrants eat pets, Haitian immigrants in Springfield, Ohio, quickly became the target of bomb threats, forcing city buildings and schools to close. Members of the Haitian community have said they fear for their safety.

    But there’s a more hopeful side to the issue of food being used as a way to divide or unite people, too. The Latin origins for the words company and companionship mean the people we share our bread with.

    Garlic is now as central to American cuisine as apple pie. Nowadays, Americans are so much the better for the sushi, garlic and curry – and the diversity behind the deliciousness – that flavor American cuisine.

    Adrienne Bitar does not work for, consult, own shares in or receive funding from any company or organization that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.

    – ref. No, immigrants aren’t eating dogs and cats – but Trump’s claim is part of an ugly history of myths about immigrant foodways – https://theconversation.com/no-immigrants-arent-eating-dogs-and-cats-but-trumps-claim-is-part-of-an-ugly-history-of-myths-about-immigrant-foodways-239343

    MIL OSI – Global Reports –

  • MIL-OSI Global: A brief history of former presidents running for reelection: 3 losses, 1 win and 1 still TBD

    Source: The Conversation – USA – By Graeme Mack, Visiting Assistant Professor of History, University of Richmond

    Theodore Roosevelt speaks during the Progressive campaign of 1912. AP Photo

    This year’s presidential election has a former president, Donald Trump, running for a nonconsecutive term. It’s the fifth time in U.S. history that’s happened.

    Historically, a former president running for a nonconsecutive term has prompted voters to change their party allegiances.

    In 1848, Martin Van Buren, a former Democratic president, ran as a candidate for the newly formed Free Soil Party and attracted many Northern Democrats who had grown disillusioned with their party’s pro-slavery stance. The Free Soil Party outperformed Democrats in three Northern states and enabled the other major party, the Whigs, to win the presidency.

    And in 1856, former Whig President Millard Fillmore headed the newly formed American Party, otherwise known as the Know-Nothing party. When faced with a choice between two candidates, Fillmore and Democrat James Buchanan, who both seemed deeply complicit with slavery’s expansion, many Northerners voted for the new antislavery Republican Party.

    Fillmore’s candidacy in 1856 made a Republican sweep of the North virtually impossible, ensuring victory for Buchanan, who only won 45% of the popular vote.

    Theodore Roosevelt’s run in 1912 also saw dramatic changes in voter behavior. With the former president on the ballot, millions of voters cast ballots for the other major party or a brand new party.

    By this time, Roosevelt had become one of the most famous men in the world. Reformers praised his ability to attract attention and build support for progressive causes.

    These characteristics repulsed conservative Republicans and traditional Democrats who feared Roosevelt’s return to power.

    After failing to secure the Republican nomination, Roosevelt headed the newly formed Progressive Party, winning six states and 88 electoral votes, the strongest showing for a third party candidate ever.

    However, the split in the Republican ranks enabled Democrats to win by an electoral landslide.

    One former president ran for a nonconsecutive second term and won: Grover Cleveland, whose two terms ran from 1885-1889 and 1893-1897.

    The rise of progressivism

    When Roosevelt ran in 1912, he saw a society convulsed by rapid change.

    Between 1870 and 1900, the population of the United States rose from roughly 38 million to more than 76 million.

    During this time, business transformed from small-scale manufacturing and local trade to huge corporations and factory-based manufacturing.

    From 1900 to 1915, another 15 million immigrants settled in American cities.

    A political reform movement known as progressivism emerged across political parties. It sought to address problems with immigration, urbanization, political corruption, industrialization and the concentration of corporate power.

    Roosevelt’s political career tapped into progressivism’s growing momentum. First elected vice president as a Republican in 1900, he assumed the presidency in September 1901 after the assassination of President William McKinley.

    Campaigning on his progressive “Square Deal” — focused on consumer protections, control of large corporations and conservation of natural resources — in 1904, the popular incumbent won reelection in the largest electoral landslide the country had seen.

    But in 1908, Roosevelt declined to run for a third term. Instead, he advocated successfully for William Howard Taft, his secretary of war.

    However, as Taft’s presidency took shape, Roosevelt grew dissatisfied with him. What most frustrated Roosevelt was Taft’s refusal to use executive power to advance progressive goals.

    Seeing an urgent need for forceful presidential leadership, Roosevelt challenged Taft for the Republican nomination in 1912.

    A political cartoon from 1912 illustrating Theodore Roosevelt’s dissatisfaction with how President William Howard Taft carried out his policies.
    Library of Congress Prints and Photographs Division

    At the Republican National Convention, however, party leaders rejected Roosevelt and confirmed Taft’s nomination. Roosevelt’s supporters stormed out, complaining that leaders had manipulated rules and procedures to block the former president.

    Despite his loss of the nomination, Roosevelt assured his supporters that he felt as “strong as a Bull Moose” and expressed interest in “bolting” from the Republican Party.

    Roosevelt’s threat to leave his party was echoed more than 100 years later by another former president running for a nonconsecutive term. In late 2023, Trump refused to participate in the Republican presidential primary debates and refused to rule out the possibility of running as an independent.

    In doing so, Trump’s candidacy hampered efforts to seek an alternative candidate. It also disregarded opportunities to win over skeptical Republicans.

    The rise of the Bull Moose Party

    In a matter of weeks after Roosevelt failed to get the Republican nomination, the Progressive Party, popularly known as the Bull Moose Party, held its national convention and nominated Roosevelt as its first presidential candidate.

    His presidential campaign did not lack for energy or spectacle. In October 1912, the former president delivered a one-hour speech immediately after being shot in an assassination attempt.

    He told his supporters, “It takes more than that to kill a Bull Moose.”

    Theodore Roosevelt arrives at a hospital after New York saloon keeper John F. Schrank attempted to assassinate him in Milwaukee in 1912.
    Harlingue/Roger Viollet via Getty Images

    Like the recent assassination attempts on Trump, this attack drew condemnation and galvanized the former president’s core supporters.

    Roosevelt faced off on Election Day against the Republican incumbent, William Howard Taft; Eugene V. Debs, the Socialist Party candidate; and the Democratic candidate, Woodrow Wilson.

    Many Republicans cast their ballots for Wilson, seeing his candidacy as more viable than Roosevelt’s. Some did so out of disgust for what they saw as Roosevelt’s egotistical and radical campaign.

    The split in the Republican Party created an opportunity for Democrats, who had been shut out of the presidency for decades.

    The legacy of 1912

    On election day, Democrat Wilson won 40 states and earned 435 electoral votes. Democrats also won the House and Senate for the first time since 1892.

    However, Wilson prevailed with less than 42% of the national vote, the smallest share won by a president since Abraham Lincoln’s 1860 election.

    A unified Republican ticket would very likely have prevailed in 1912.

    Taft blamed Roosevelt for 1 million Republicans voting for the Democratic ticket to stave off a Progressive win.

    Historical parallels are never perfect. However, the 1912 election invites some comparison, as one of the world’s most famous men runs for the third time for the presidency.

    The 2024 election will be close. Wary of Trump’s return to power, will disillusioned Republicans vote for Democratic Party nominee Kamala Harris, choose a third-party candidate, or sit out the election?

    Graeme Mack does not work for, consult, own shares in or receive funding from any company or organization that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.

    – ref. A brief history of former presidents running for reelection: 3 losses, 1 win and 1 still TBD – https://theconversation.com/a-brief-history-of-former-presidents-running-for-reelection-3-losses-1-win-and-1-still-tbd-234959

    MIL OSI – Global Reports –

  • MIL-OSI USA: Klobuchar Announces Major Funding for Polar Semiconductor’s Bloomington Manufacturing Facility

    US Senate News:

    Source: United States Senator Amy Klobuchar (D-Minn)
    WASHINGTON – U.S. Senator Amy Klobuchar (D-MN), a senior member of the Senate Commerce Committee, announced the U.S. Department of Commerce is awarding Polar Semiconductor $123 million in federal funding as part of the CHIPS and Science Act to expand its Bloomington manufacturing facility. Polar is the first company in the country to move from a preliminary agreement to the award stage. The funding will go toward expanding and modernizing the company’s manufacturing facility in Bloomington, doubling the company’s U.S. production capacity and creating new manufacturing and construction jobs in Minnesota. 
    “America must stay on the cutting edge of manufacturing to maintain our economic edge on the world stage. This landmark federal investment in Polar Semiconductor’s Bloomington facility is a major step toward strengthening domestic production of advanced semiconductors,” said Klobuchar. “I worked closely with Polar Semiconductor to secure this grant and ensure Minnesota continues to be a premier destination for business investment.”
    Polar produces high-voltage semiconductors for use in automotive, commercial and industrial applications at its 310,000-square-foot facility in Bloomington. The company produces 21,000 wafer semiconductors per month. 
    Klobuchar voted to pass the bipartisan CHIPS and Science Act to strengthen domestic semiconductor production and boost American competitiveness and innovation. The CHIPS and Science Act is providing significant resources to: 
    Help companies build, expand, or modernize domestic facilities and equipment for semiconductor production;
    Kickstart development of the domestic semiconductor workforce and address near-term labor shortages;
    Make the largest five-year investment in public research and development in the nation’s history, including in critical technologies such as artificial intelligence and advanced manufacturing, as well as boosting STEM education and regional technology hubs.
    In June 2023, Klobuchar hosted a roundtable discussion and press conference at Normandale Community College in Bloomington with U.S. Secretary of Commerce Gina Raimondo to discuss the CHIPS and Science Act and how it can benefit Minnesota companies and workers. Polar Semiconductor VP of Business and Technology Development Rajesh Appat attended the roundtable.   
    In August 2022, Klobuchar held a press conference in Bloomington with executives from leading U.S.-based semiconductor designers and manufacturers with operations or headquarters in Minnesota to highlight how the CHIPS and Science Act will strengthen American economic competitiveness and spur innovation. 

    MIL OSI USA News –

  • MIL-OSI Global: On the US-Mexico border, the records of Trump and Harris reflect the national mood of less immigration, not more

    Source: The Conversation – USA – By William McCorkle, Assistant Professor of Education, College of Charleston

    Migrants at a shelter in Tijuana, Mexico, watch the first presidential debate between Kamala Harris and Donald Trump on Sept. 10, 2024. Carlos Moreno/NurPhoto/Getty Image

    In late July 2024, Democratic presidential nominee Kamala Harris released a campaign ad about the U.S.-Mexico border that resembled something out of the Republican playbook.

    In the ad, Harris said as president she would increase Border Patrol agents, stop human traffickers and prosecute transnational gangs – some of the very things that Republican contender Donald Trump has also promised to do if elected.

    Considered by her campaign strategists to be a good political move, Harris’ shift to the right reflects the more anti-immigrant direction the U.S. population has taken over the past few years. According to a July 2024 Gallup Poll, 55% of Americans wanted increased limits on immigration, marking the first time in nearly two decades that a majority of Americans supported such curbs.

    These anti-immigrant attitudes are partially due to exaggerated claims from conservative politicians and right-wing pundits that management of the U.S.-Mexico border is a disaster and the government is endangering public safety by allowing violent criminals to cross into the U.S.

    Worse, during the presidential debate on Sept. 10, 2024, Republican presidential nominee Donald Trump falsely accused Haitian immigrants in Springfield, Ohio, of eating dogs and cats.

    As someone who has worked extensively with asylum-seekers at the border since 2019, I see clear differences between Harris and Trump on the issue of immigration.

    While in office, Trump instituted restrictive immigration policies at the border, which all but halted asylum. He also was behind the controversial child separation policy in 2018 and sought to end the Deferred Action for Childhood Arrivals, or DACA, the Obama-era federal program that prevents hundreds of thousands of undocumented immigrants who came to the U.S. as children from being deported.

    Though Harris’ record on immigration is not as extensive as Trump’s, she has shown as U.S. senator and vice president a willingness to be more restrictive on the border while continuing to support a pathway to citizenship for “Dreamers” and undocumented migrants who are married to U.S. citizens.

    Trump’s extremist rhetoric and policies

    Given that border security has become his signature issue, Trump may take even more draconian measures than he did during his first term in office, including restricting the asylum system further and deporting as many as 20 million undocumented immigrants.

    Perhaps Trump’s most controversial action during his first term was his child separation policy in 2018, which led to over 5,000 children being taken from their parents after being apprehended at the border. This action led to nationwide protests and international condemnation. As of May 2024, about 1,400 children remained separated from their families.

    Undaunted, Trump pursued other restrictive policies.

    Trump signed an executive order in 2019 and launched the Migrant Protection Protocols, better known as the Remain in Mexico policy. This order required asylum-seekers arriving at the U.S. border to be returned to Mexico while their claims were being processed. This program stayed in effect until the end of Trump’s presidency in 2020 and led to 81,000 expulsions.

    Trump also used Title 42 restrictions during the COVID-19 pandemic to quickly expel migrants without visas to contain the pandemic with no exceptions. In the first seven months, almost 200,000 migrants were expelled.

    Former U.S. President Donald Trump speaks in Arizona about immigration on Aug. 22, 2024.
    Olivier Touron/AFP/Getty Images

    Notably, the use of violent rhetoric against migrants increased dramatically during Trump’s emergence as the GOP leader. In his first term, Trump and his officials discussed shooting migrants crossing the border in the leg. Texas Gov. Greg Abbott, one of his key allies, said the reason officials there do not shoot migrants is because they would be charged by the federal government.

    Trump has also promised he would be willing to use the U.S. military in Mexico to combat drug cartels.

    Harris’ balancing act

    As a U.S. senator in 2019, Harris voted against an anti-sanctuary city amendment that would have allowed local police to cooperate with federal immigration officials and potentially deport immigrants living in the U.S. illegally.

    She was also the initial sponsor of legislation that would limit U.S. Immigration and Customs Enforcement actions against those caring for unaccompanied minors. But as attorney general of California, Harris did support turning over to immigration authorities minors living in the U.S. illegally who had committed crimes.

    As vice president, Harris has appeared to support a more restrictive approach similar to that of Biden‘s June 4, 2024, executive order that limited the number of asylum-seekers allowed to cross the border.

    She also supports the CBP One app system that was created by the Biden administration in early 2023.

    Under that process, individuals seeking asylum are given an opportunity to meet with an immigration official but often have to wait for months in dangerous conditions in Mexico.

    U.S. Vice President Kamala Harris holds a virtual meeting with immigrant rights leaders on July 22, 2021.
    Win McNamee/Getty Images

    Harris has also consistently spoken out on the need to support DACA. The Biden administration expanded health care coverage in 2024 for DACA recipients, giving them access to insurance through the Affordable Care Act, better known as Obamacare.

    If elected, Harris likely would extend another of Biden’s 2024 executive orders that created a legal pathway to citizenship for immigrants who don’t have legal authorization to be in the U.S. but are married to U.S. citizens.

    In stark contrast, Trump has already criticized the policy and said he would end it if elected.

    The Biden-Harris administration also had a nuanced record on the border and deportations. They have deported almost the same number of immigrants living in the U.S. without legal authorization as Trump did.

    The Texas National Guard conducts an operation to prevent migrants from building a camp along the U.S.-Mexico border in April 2024.
    David Peinado/Anadolu via Getty Images

    As of June 2024, the number of deportations since the start of the Biden administration in January 2021 was already at 4.4 million. At the same time, these higher numbers reflect the fact that more people are coming to the border due to increased chances of entering.

    During the first three years of Biden’s presidency, over 1 million migrants at the border were granted temporary humanitarian parole, which allows them to stay in the U.S. while waiting for their asylum hearing.

    The reality of immigration

    Immigration has been largely portrayed as either a clear and present threat by Republicans or as an act of compassion by Democrats.

    In the increasingly anti-immigrant environment, however, you’ll rarely hear that the increased immigration under the Biden-Harris administration has been a significant factor in U.S. economic growth.

    Indeed, many economists also have argued that working-class immigrants coming from across the border have helped reduce inflation. Its my belief that the U.S. is in need of more migrants, not fewer, and hard-line stances and policies damage our society and economy.

    While Trump’s hard-line stance against immigrants both at the border and within the country is well known, Harris’ record shows a more balanced approach that has offered support for at least some immigrants who are living in the U.S. illegally – and for those seeking asylum.

    William McCorkle does not work for, consult, own shares in or receive funding from any company or organization that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.

    – ref. On the US-Mexico border, the records of Trump and Harris reflect the national mood of less immigration, not more – https://theconversation.com/on-the-us-mexico-border-the-records-of-trump-and-harris-reflect-the-national-mood-of-less-immigration-not-more-237269

    MIL OSI – Global Reports –

  • MIL-OSI Global: Why home insurance rates are rising so fast across the US – climate change plays a big role

    Source: The Conversation – USA – By Andrew J. Hoffman, Professor of Management & Organizations, Environment & Sustainability, and Sustainable Enterprise, University of Michigan

    The U.S. has seen a large number of billion-dollar disasters in recent years. AP Photo/Mark Zaleski

    Millions of Americans have been watching with growing alarm as their homeowners insurance premiums rise and their coverage shrinks. Nationwide, premiums rose 34% between 2017 and 2023, and they continued to rise in 2024 across much of the country.

    To add insult to injury, those rates go even higher if you make a claim – as much as 25% if you claim a total loss of your home.

    Why is this happening?

    There are a few reasons, but a common thread: Climate change is fueling more severe weather, and insurers are responding to rising damage claims. The losses are exacerbated by more frequent extreme weather disasters striking densely populated areas, rising construction costs and homeowners experiencing damage that was once more rare.

    Hurricane Ian, supercharged by warm water in the Gulf of Mexico, hit Florida as a Category 4 hurricane in October 2022 and caused an estimated $112.9 billion in damage.
    Ricardo Arduengo/AFP via Getty Images

    Parts of the U.S. have been seeing larger and more damaging hail, higher storm surges, massive and widespread wildfires, and heat waves that kink metal and buckle asphalt. In Houston, what used to be a 100-year disaster, such as Hurricane Harvey in 2017, is now a 1-in-23-years event, estimates by risk assessors at First Street Foundation suggest. In addition, more people are moving into coastal and wildland areas at risk from storms and wildfires.

    Just a decade ago, few insurance companies had a comprehensive strategy for addressing climate risk as a core business issue. Today, insurance companies have no choice but to factor climate change into their policy models.

    Rising damage costs, higher premiums

    There’s a saying that to get someone to pay attention to climate change, put a price on it. Rising insurance costs are doing just that.

    Increasing global temperatures lead to more extreme weather, and that means insurance companies have had to make higher payouts. In turn, they have been raising their prices and changing their coverage in order to remain solvent. That raises the costs for homeowners and for everyone else.

    The importance of insurance to the economy cannot be understated. You generally cannot get a mortgage or even drive a car, build an office building or enter into contracts without insurance to protect against the inherent risks. Because insurance is so tightly woven into economies, state agencies review insurance companies’ proposals to increase premiums or reduce coverage.

    The insurance companies are not making political statements with the increases. They are looking at the numbers, calculating risk and pricing it accordingly. And the numbers are concerning.

    The arithmetic of climate risk

    Insurance companies use data from past disasters and complex models to calculate expected future payouts. Then they price their policies to cover those expected costs. In doing so, they have to balance three concerns: keeping rates low enough to remain competitive, setting rates high enough to cover payouts and not running afoul of insurance regulators.

    But climate change is disrupting those risk models. As global temperatures rise, driven by greenhouse gases from fossil fuel use and other human activities, past is no longer prologue: What happened over the past 10 to 20 years is less predictive of what will happen in the next 10 to 20 years.

    The number of billion-dollar disasters in the U.S. each year offers a clear example. The average rose from 3.3 per year in the 1980s to 18.3 per year in the 10-year period ending in 2024, with all years adjusted for inflation.

    With that more than fivefold increase in billion-dollar disasters came rising insurance costs in the Southeast because of hurricanes and extreme rainfall, in the West because of wildfires, and in the Midwest because of wind, hail and flood damage.

    Hurricanes tend to be the most damaging single events. They caused more than US$692 billion in property damage in the U.S. between 2014 and 2023. But severe hail and windstorms, including tornadoes, are also costly; together, those on the billion-dollar disaster list did more than $246 billion in property damage over the same period.

    As insurance companies adjust to the uncertainty, they may run a loss in one segment, such as homeowners insurance, but recoup their losses in other segments, such as auto or commercial insurance. But that cannot be sustained over the long term, and companies can be caught by unexpected events. California’s unprecedented wildfires in 2017 and 2018 wiped out nearly 25 years’ worth of profits for insurance companies in that state.

    To balance their risk, insurance companies often turn to reinsurance companies; in effect, insurance companies that insure insurance companies. But reinsurers have also been raising their prices to cover their costs. Property reinsurance alone increased by 35% in 2023. Insurers are passing those costs to their policyholders.

    What this means for your homeowners policy

    Not only are homeowners insurance premiums going up, coverage is shrinking. In some cases, insurers are reducing or dropping coverage for items such as metal trim, doors and roof repair, increasing deductibles for risks such as hail and fire damage, or refusing to pay full replacement costs for things such as older roofs.

    Some insurances companies are simply withdrawing from markets altogether, canceling existing policies or refusing to write new ones when risks become too uncertain or regulators do not approve their rate increases to cover costs. In recent years, State Farm and Allstate pulled back from California’s homeowner market, and Farmers, Progressive and AAA pulled back from the Florida market, which is seeing some of the highest insurance rates in the country.

    In some cases, insurers are restricting coverage. Roof repairs, like these in Fort Myers Beach, Fla., after Hurricane Ian, can be expensive and widespread after windstorms.
    Joe Raedle/Getty Images

    State-run “insurers of last resort,” which can provide coverage for people who can’t get coverage from private companies, are struggling too. Taxpayers in states such as California and Florida have been forced to bail out their state insurers. And the National Flood Insurance Program has raised its premiums, leading 10 states to sue to stop them.

    About 7.4% of U.S. homeowners have given up on insurance altogether, leaving an estimated $1.6 trillion in property value at risk, including in high-risk states such as Florida.

    No, insurance costs aren’t done rising

    According to NOAA data, 2023 was the hottest year on record “by far.” And 2024 could be even hotter. This general warming trend and the rise in extreme weather is expected to continue until greenhouse gas concentrations in the atmosphere are abated.

    In the face of such worrying analyses, U.S. homeowners insurance will continue to get more expensive and cover less. And yet, Jacques de Vaucleroy, chairman of the board of reinsurance giant Swiss Re, believes U.S. insurance is still priced too low to fully cover the risk from climate change.

    Andrew J. Hoffman does not work for, consult, own shares in or receive funding from any company or organization that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.

    – ref. Why home insurance rates are rising so fast across the US – climate change plays a big role – https://theconversation.com/why-home-insurance-rates-are-rising-so-fast-across-the-us-climate-change-plays-a-big-role-238939

    MIL OSI – Global Reports –

  • MIL-OSI Canada: Canada imposes additional sanctions in response to Hamas’ terrorist attacks against Israel

    Source: Government of Canada News

    Effective immediately, Canada is imposing additional sanctions against eleven individuals and two entities pursuant to the Special Economic Measures (Hamas Terrorist Attacks) Regulations, in response to the terrorist attacks by Hamas on Israel that began on October 7, 2023, and the threat that Hamas and its affiliates pose to regional security.

    Effective immediately, Canada is imposing additional sanctions against eleven individuals and two entities pursuant to the Special Economic Measures (Hamas Terrorist Attacks) Regulations, in response to the terrorist attacks by Hamas on Israel that began on October 7, 2023, and the threat that Hamas and its affiliates pose to regional security.

    Canadian measures

    The regulations impose a prohibition on dealings related to the listed individuals and entities, effectively freezing any assets they may have in Canada. Persons in Canada and Canadians outside the country are prohibited from dealing with the listed individuals and entities, and the listed individuals are also rendered inadmissible to Canada under the Immigration and Refugee Protection Act. The specific prohibitions are set out in the regulations.

    The names of the eleven individuals added to the schedule of these regulations are the following:

    • Musa Muhammad Salim Dudin (Hamas financier and operative)
    • Amer Kamal Sharif Alshawa (Hamas financier)
    • Ahmed Sadu Jahleb (Hamas financier)
    • Walid Mohammed Mustafa Jadallah (Hamas financier)
    • Zuhair Shamlakh (Hamas financier)
    • Alaa Shamlakh (Hamas financier)
    • Ahmed Shamlakh (Hamas financer)
    • Imad Shamlakh (Hamas financier)
    • Nabil Khaled Halil Chouman (Hamas financier)
    • Khaled Chouman (Hamas financier)
    • Reda Ali Khamis (Hamas financier)

    The names of the two entities added to the schedule of these regulations are the following:

    • Al-Markaziya Li-Siarafa (Al-Markaziya) (Hamas-affiliated financial exchange company)
    • Nabil Chouman & Co. (Hamas-affiliated financial exchange company)

    MIL OSI Canada News –

  • MIL-OSI Canada: Government of Canada Investments in Electric Vehicles

    Source: Government of Canada News

    The Honourable Jonathan Wilkinson Minister of Energy and Natural Resources, announced a federal investment of $14.9 million for 20 projects to advance zero-emission vehicle (ZEV) infrastructure, codes and standards, and education across Canada.

    Everyone has a role to play in tackling climate change. The widespread shift to electric vehicles (EVs) is critical to decarbonizing on-road transportation, which accounts for 18 percent of Canada’s total greenhouse gas emissions — of which 50 percent is produced by light-duty vehicles (LDV), or passenger cars.

    In addition, clean fuels, such as clean hydrogen, advanced biofuels, liquid synthetic fuels and renewable natural gas, will play a critical role in hard to decarbonize sectors such as industry and medium- and heavy-duty freight.

    Today, the Honourable Jonathan Wilkinson Minister of Energy and Natural Resources, announced a federal investment of $14.9 million for 20 projects to advance zero-emission vehicle (ZEV) infrastructure, codes and standards, and education across Canada.

     

    Zero Emissions Vehicle Infrastructure Program Projects

    • Kang and Gill Construction Limited in Victoria, B.C.: An investment of $340,000 to install 68 EV chargers by March 31, 2024.
    • Halifax County Condominium Corporation #240 in Halifax, Nova Scotia: An investment of $110,000 to install 22 EV chargers by April 2023.
    • Halifax International Airport in Goffs, Nova Scotia: An investment of $180,000 to install 37 EV chargers by December 2024.
    • Park Royal Shopping Centre Holdings Ltd., West Vancouver, North Vancouver and Whistler, B.C.: An investment of $242,000 from NRCan to install 50 EV chargers by November 2023.
    • Concert Realty Services Ltd, Vancouver, B.C.: An investment of $190,000 from NRCan to install 38 EV chargers by January 2025.
    • Westbank Projects Corp., Toronto, Ontario, and Vancouver, B.C.: An investment of $4,914,660 to install 2635 EV chargers by May 2025.
    • THE OWNERS, STRATA PLAN BCS4321, Vancouver, B.C.: An investment of $150,000 to install 30 EV chargers by June 2024.
    • Austeville Properties Ltd., Vancouver, B.C.: An investment of $250,000 to install 50 EV chargers by October 2025.
    • 1125 Denman Developments Limited Partnership by its general partner Denman Developments Ltd, Vancouver, BC: An investment of $500,000 to install 16 EV chargers by July 2025.
    • The Owners Strata Plan LMS1108 “The National,” Vancouver, B.C.: An investment of $260,000 to install 60 EV chargers by May 2024.
    • Strata Corporation LMS4255 “Marinaside Resort,” Vancouver, B.C.: An investment of $500,000 to install 140 EV chargers by May 2024.
    • 1229488 BC Ltd., Vancouver, B.C.: An investment of $99,999, to install 23 EV chargers by March 2024.

    Zero Emissions Vehicle Awareness Initiative

    • Plug’N Drive, Toronto, Ontario: An investment of $1,560,633 to raise awareness of electric vehicles across Canada through a comprehensive awareness and experiential campaign, featuring test drives targeting small and medium-sized communities with limited experience or exposure to electric vehicles.
    • Create Climate Equity Association in Coquitlam, B.C.: An investment of $100,000 to engage one or more lower-income, underserved, urban communities in the City of Vancouver, B.C., on transportation needs and develop a design for equity-based, zero-emission mobility solutions for the participating communities.
    • Steel River Group Ltd in Calgary, Alberta: An investment of $300,000 to empower and equip Indigenous youth with the essential knowledge, skills and confidence to lead sustainable transportation and clean energy initiatives in their communities.
    • Northern Alberta Institute of Technology (NAIT) in Edmonton, Alberta: An investment of $247,045 to develop non-credit courses on the maintenance of hydrogen fuel cell buses and heavy-duty vehicles to educate fleet owners, operators and heavy-duty vehicle mechanics and technicians on the use and maintenance of MHDVs and raise public confidence and awareness in zero-emission MHDV.
    • HUB Cycling, Vancouver, B.C.: An investment of $241,545 to increase awareness and uptake of e-mobility for transportation across the province of British Columbia.

    Minister Wilkinson also announced $3.6 million in funding for CSA Group to update codes and standards related to ZEV infrastructure through the Energy Innovation Program:

    • CSA Group, Toronto, Ontario, $3,616,373. The objective of this project is to establish and revise codes and standards, develop guideline documents, manage committees, perform literature reviews for zero-emission transportation infrastructure, covering advanced charging equipment, energy storage, management and various transportation modes.

    Housing, Infrastructure and Communities Canada – Investing in Canada Infrastructure Program (ICIP)

    Lastly, Minister Wilkinson announced a joint investment of more than $3.1 million through the Green Infrastructure Stream of the Investing in Canada Infrastructure Program for two green infrastructure projects in British Columbia. The projects will enhance access to clean transportation options, use B.C.’s clean electricity supply and reduce greenhouse gas emissions.

    • Public Electric Vehicle Charging Expansion – Phase 3 in Vancouver, B.C.
      o   The federal government is investing $824,600 through the Green Infrastructure Stream of the Investing in Canada Infrastructure Program. The Government of British Columbia is investing $687,098 through the CleanBC Communities Fund. The City of Vancouver is contributing $549,802. 
      o   The project will install approximately 15 Level 2 and nine direct-current fast-charge electric vehicle charging ports around parklands in the city, along with electric and mechanical system upgrades. 
    • Public Electric Vehicle Charging Infrastructure in the District of North Vancouver, B.C.:
      o   The federal government is investing $217,447 through the Green Infrastructure Stream of the Investing in Canada Infrastructure Program. The Government of British Columbia is investing $579,821 through the CleanBC Communities Fund. The District of North Vancouver is contributing $289,965. 
      o   The project will install a public network of approximately 10 Level 2 and two direct-current fast-charge electric vehicle charging ports along key transportation routes, in priority buildings and near multi-family and social housing in the district.

    MIL OSI Canada News –

  • MIL-OSI Canada: Joint Statement on Creation of Joint Task Force to Negotiate Beaufort Sea Boundary

    Source: Government of Canada News

    The text of the following statement was released by the Governments of Canada and the United States of America on the occasion of the creation of a joint task force on the Beaufort Sea Boundary:

    September 24, 2024 – New York, New York – Global Affairs Canada

     The text of the following statement was released by the Governments of Canada and the United States of America on the occasion of the creation of a joint task force on the Beaufort Sea Boundary:

    “In a rapidly changing Arctic marked by new challenges and increased strategic competition, the region has become a growing focus for the United States and Canada. Our common interests in the region have served as the foundation of our bilateral Arctic relations for many decades and will continue to guide our Arctic cooperation in the future.

    “To further our cooperation in the Arctic, Canada and the United States are announcing the creation of a joint Canada-U.S. task force to undertake negotiations on the maritime boundary in the Beaufort Sea, including resolving the overlap in the continental shelf in the Central Arctic Ocean. The area at issue is situated north of Alaska, Yukon and the Northwest Territories.

    “The task force is expected to begin negotiations this fall and reflects the commitment of the United States and Canada to clarify our shared northern boundary through cooperative bilateral negotiation and meaningful engagement with state, territorial and Indigenous partners.

    “Canada and the United States will work collaboratively toward a final agreement that will provide clarity on our Arctic maritime boundaries, bearing in mind the responsible conservation and sustainable use of Arctic resources for the mutual benefit of Americans and Canadians, including Indigenous Peoples.”

    Associated links

    U.S. Department of State

    MIL OSI Canada News –

  • MIL-OSI Canada: Biographical notes

    Source: Government of Canada News

    Karen Mollica (BA Hons [Political Science], McMaster University, 2000; MA [International Affairs], Carleton University, 2003) joined the Department of Foreign Affairs and International Trade in 2003 following internships in Guyana and Costa Rica.

    Karen Mollica (BA Hons [Political Science], McMaster University, 2000; MA [International Affairs], Carleton University, 2003) joined the Department of Foreign Affairs and International Trade in 2003 following internships in Guyana and Costa Rica. Her early assignments included coordinator in the Anti-personnel Mine Action Team and desk officer for several countries in West and Central Africa. She subsequently moved to the Canadian International Development Agency and served as first secretary at the High Commission in South Africa and as counsellor and head of cooperation at the Embassy to Jordan. Upon her return to Headquarters in 2019, she became director of policy, planning and operations for Latin America and the Caribbean, a position she held until 2022. Most recently, she served as director and senior departmental adviser in the Office of the Minister of International Development and as chargé d’affaires at the Embassy to the Holy See.

    Ajit Singh (BA [Communications], University of Winnipeg, 2003; BA Hons [Political Science], University of Winnipeg, 2004; MA [International Law], United Nations University for Peace, 2006; JD, Osgoode Hall Law School, 2012) has lived, studied and worked in multiple languages in 6 countries on 4 continents. He joined the Government of Canada in 2008 after working in media, academia, the United Nations and civil society organizations. He later worked in private law in Toronto and was called to the Bar of Ontario as a barrister and solicitor. In 2013, he joined the Privy Council Office in the Intergovernmental Affairs Secretariat. He then worked in its Foreign and Defence Policy Secretariat, where he led on relations with Europe, the Caucasus and Central Asia regions and Latin America and on legal files. In 2017, he joined Global Affairs Canada as a deputy director in the Foreign Policy Planning Division to lead the team responsible for the foreign ministers’ track during Canada’s 2018 G7 presidency. After this, he worked in the Conflict Prevention, Stabilization and Peacebuilding Division. In 2021, he joined the Department of National Defence as a director of operations. In 2022, he rejoined the Privy Council Office, this time as the first person to hold the position of director of international crisis response.

    MIL OSI Canada News –

  • MIL-OSI Canada: Canada imposes third round of sanctions on perpetrators of extremist settler violence against Palestinian civilians in West Bank

    Source: Government of Canada News

    Effective immediately, Canada is imposing sanctions against four individuals and two entities in response to the grave breach of international peace and security posed by their violent and destabilizing actions against Palestinian civilians and their property in the West Bank.

    Effective immediately, Canada is imposing sanctions against four individuals and two entities in response to the grave breach of international peace and security posed by their violent and destabilizing actions against Palestinian civilians and their property in the West Bank.

    Canadian measures

    The Special Economic Measures (Extremist Settler Violence) Regulations imposes a prohibition on dealings related to the listed individuals and entities, effectively freezing any assets they may have in Canada. Persons in Canada and Canadians outside the country are prohibited from dealing with the listed individuals and entities. Additionally, the listed individuals are rendered inadmissible to Canada under the Immigration and Refugee Protection Act.

    The specific prohibitions are set out in the Special Economic Measures (Extremist Settler Violence) Regulations.

    The names of the individuals added to the schedule of these regulations are the following:

    • Neria Ben Pazi
    • Noam Federman
    • Eden Levi
    • Shlomo Sarid

    The names of the entities added to the schedule of these regulations are the following:

    • Mount Hebron Fund
    • Shlom Asiraich

    MIL OSI Canada News –

  • MIL-OSI Europe: Address by Jean-Noël Barrot, Minister for Europe and Foreign Affairs (23.09.24)

    Source: Republic of France in English
    The Republic of France has issued the following statement:

    President of the General Assembly,

    Deputy Secretary-General of the United Nations,

    Heads of State and Government,

    Ministers,

    Ambassadors,

    Colleagues,

    We are gathered here today to reaffirm our commitment to an ambitious, effective and representative multilateralism to face the challenges of tomorrow. Many of you want to advance our multilateral system, a system founded on respect for the rule of law and clear principles established following the Second World War and on respect for the Charter of the United Nations, a system based on cooperation between nations, sustainable development for all and solidarity between countries.

    Today, that system needs reform. For global governance must be both more representative and, collectively, more effective. Everyone needs to contribute, everyone needs to shoulder their responsibilities.

    I would like to thank the Secretary-General for enabling us to move forward on this essential project for future generations, which France is supporting with strength and conviction.

    This Summit of the Future, Secretary-General, should enable the achievement of the 2030 Agenda for Sustainable Development and the Sustainable Development Goals in good time. We need to step up our efforts to address climate challenges.

    True to its historical commitment within the United Nations, France has worked to ensure the Pact for the Future meets the expectations of the Member States when it comes to Security Council reform. We are advocating an expansion in both categories of members and a greater African presence, including among permanent members. In the same vein, we promote a joint initiative with Mexico to regulate the use of vetoes in the event of mass atrocities, which is already supported by 106 States from all world regions.

    France has also been innovative in its proposals to reform the international financial architecture, in the spirit of the Paris Pact for Peoples and the Planet that the French President launched at the June 2023 Paris Summit.

    The New Agenda for Peace should help modernize United Nations tools for international peace and security. We need to ensure that peace operations, which have evolved considerably, are suited to addressing new challenges. I would like to seize this opportunity to commend the work of the blue helmets who foster global peace and security every day. I have in mind the men and women of UNIFIL in Lebanon, including its French contingent. The Lebanese people are also in my thoughts right now: Israeli strikes have just killed hundreds of civilians, including dozens of children. These strikes, made from both sides of the Blue Line and more widely in the region, must cease immediately. France once again calls on the parties and their supporters to de-escalate and avoid a regional conflagration that would be devastating for everyone, starting with civilian populations. That is why I have called for an emergency Security Council meeting this week to discuss Lebanon.

    In Lebanon and elsewhere, France will remain totally committed to resolving the major crises that shake the international order. It will take initiatives. It will continue to condemn Russia’s war of aggression against Ukraine unreservedly, and to demand peace and compliance with the law. It will continue to demand the release of all hostages, respect for international humanitarian law and a ceasefire in Gaza. France considers all human lives to be equal in dignity. France will not look away from any armed conflict. It will therefore continue its initiatives to support Sudan, alongside its partners.

    Deputy Secretary-General, you want us to look together towards the future. That future will be marked by great progress in digital technologies, starting with artificial intelligence. The Global Digital Compact enshrines the commitment of the international community as a whole to coordinate on these new challenges. The digital revolution must not further widen the digital gap and must serve the Sustainable Development Goals. This will be a central priority at the AI Action Summit that will be held in France on 10 and 11 February 2025.

    The fight against climate change and for the protection of the environment is not an issue for the future but a challenge for the present. The climate threat is devastating. Inaction and lack of ambition are culpable. We owe our people determined, tangible, immediate and effective action. It is in this spirit that the Presidents of France and Kazakhstan and the President of the World Bank are jointly organizing the One Water Summit this year.

    Thank you.

    MIL OSI Europe News –

  • MIL-OSI Canada: Government announces mortgage reform details to ensure Canadians can access lower monthly mortgage payments by December 15

    Source: Government of Canada News

    Canadians work hard to be able to afford a home. However, the high cost of mortgage payments is a barrier to homeownership, especially for Millennials and Gen Z. To help more Canadians, particularly younger generations, buy a first home, on September 16, 2024, the federal government announced the boldest mortgage reforms in decades.

    September 24, 2024 – Ottawa, Ontario – Department of Finance Canada

    Canadians work hard to be able to afford a home. However, the high cost of mortgage payments is a barrier to homeownership, especially for Millennials and Gen Z. To help more Canadians, particularly younger generations, buy a first home, on September 16, 2024, the federal government announced the boldest mortgage reforms in decades.

    Today, the Honourable Chrystia Freeland, Deputy Prime Minister and Minister of Finance, announced technical guidance for lenders and insurers to ensure Canadians can benefit from these mortgage reforms by December 15, 2024:

    • Increasing the $1 million price cap for insured mortgages to $1.5 million, to reflect current housing market realities and help more Canadians qualify for a mortgage with a downpayment below 20 per cent. Increasing the insured-mortgage cap—which has not been adjusted since 2012—to $1.5 million will help more Canadians buy a home.
    • Expanding eligibility for 30 year mortgage amortizations to all first-time homebuyers and to all buyers of new builds, to reduce the cost of monthly mortgage payments and help more Canadians buy a home. By helping Canadians buy new builds, including condos, the government is announcing yet another measure to incentivize more new housing construction and tackle the housing shortage. This builds on the Budget 2024 commitment, which came into effect on August 1, 2024, permitting 30 year mortgage amortizations for first-time homebuyers purchasing new builds, including condos.

    These measures are the most significant mortgage reforms in decades and part of the federal government’s plan to build 4 million new homes—the most ambitious housing plan in Canadian history—to help more Canadians become homeowners.

    As we build 4 million more homes, communities need help building more infrastructure. That is why the federal government is investing $6 billion through the Canada Housing Infrastructure Fund to build and upgrade core infrastructure in communities, including drinking water, wastewater, stormwater, and solid waste infrastructure. The government has started negotiations with provinces and territories on key actions they can take to increase housing supply, in exchange for their share of $5 billion in federal funding. To deliver funding for urgent municipal infrastructure priorities, applications for the $1 billion municipal stream will open next month.

    “Building on our action to help Canadians save for a downpayment, last week, we announced the boldest mortgage reforms in decades. Today, we are providing the technical guidance banks need to offer first time buyers mortgages with lower monthly payments—now, you can start talking to your bank to get your first mortgage application ready for December 15.”

    – The Honourable Chrystia Freeland, Deputy Prime Minister and Minister of Finance

    • The strengthened Canadian Mortgage Charter, announced in Budget 2024, sets out the expectations of financial institutions to ensure Canadians in mortgage hardship have access to tailored relief and to make it easier to buy a first home.

    • Mortgage loan insurance allows Canadians to get a mortgage for up to 95 per cent of the purchase price of a home, and helps ensure they get a reasonable interest rate, even with a smaller down payment.

    • The federal government’s housing plan—the most ambitious in Canadian history—will unlock nearly 4 million more homes to make housing more affordable for Canadians. To help more Canadians afford a downpayment, in recognition of the fact the size of a downpayment and the amount of time needed to save up for a downpayment are too large today, the federal government has:

      • Launched the Tax-Free First Home Savings Account, which allows Canadians to contribute up to $8,000 per year, and up to a lifetime limit of $40,000, towards their first downpayment. Tax-free in; tax-free out; and,
      • Enhanced the Home Buyers’ Plan limit from $35,000 to $60,000, in Budget 2024, to enable first-time homebuyers to use the tax benefits of Registered Retirement Savings Plan (RRSP) contributions to save up to $25,000 more for their downpayment. The Home Buyers’ Plan enables Canadians to withdraw from their RRSP to buy or build a home and can be combined with savings through the Tax-Free First Home Savings Account.

    • Last week, the government also released blueprints for a Renters’ Bill of Rights and a Home Buyers’ Bill of Rights, which will protect renters from unfair practices, make leases simpler, and increase price transparency; and help make the process of buying a home, fairer, more open, and more transparent.

    • To end encampments and address homelessness, on September 22, 2024, the federal government announced that $250 million is available to provinces and territories that agree to cost-match this funding. This funding will leverage up to $500 million to provide more shelter spaces, transitional homes, and services to help those in encampments find housing.

    Katherine Cuplinskas
    Deputy Director of Communications
    Office of the Deputy Prime Minister and Minister of Finance
    Katherine.Cuplinskas@fin.gc.ca

    MIL OSI Canada News –