Category: Business

  • MIL-OSI USA: Barr, Helping Small Businesses Reach Their Potential

    Source: US State of New York Federal Reserve

    Thank you for the opportunity to speak to you today.1 The United States has an enviable entrepreneurial culture and a strong track record of building new companies. Yet, new and small business owners often navigate significant challenges from establishment to growth. These challenges typically include limitations in accessing capital, in developing robust business and professional networks for peer support and opportunities, and in building the comprehensive skills, resources, and social connections that contribute greatly to business resiliency and sustainability. Women and minority entrepreneurs may face even greater obstacles. While business formation is, of course, primarily a matter for the private sector, public policy can and should encourage increased rates of entrepreneurship and business formation—and the capital, networks, and skills essential for success for all business owners.
    Today, I want to highlight the vital role that small businesses play in driving the U.S. economy, consider the challenges in accessing credit that some small business owners face, and offer some practical solutions to help small businesses thrive.
    Small Businesses and Their Role in the EconomySmall businesses are the heart of the U.S. economy. They produce nearly half of the country’s gross domestic product and employ just under half of all private sector workers.2
    Small businesses have created more than 60 percent of net new jobs since 1995, and business applications have remained consistently elevated at around 5 million annually since mid-2020.3 In recent years, women-owned businesses and minority-owned businesses were two of the fastest-growing segments of businesses. The number of small businesses owned by minorities increased by almost 60 percent and the growth rate for women-owned businesses was not far behind at 50 percent during this time period.4 We should all be encouraged by these statistics, as several studies suggest that improving business ownership and entrepreneurship across demographic groups would help grow our economy faster.5
    And from an individual perspective, entrepreneurship and small business ownership may offer meaningful economic advantages. Research suggests that entrepreneurship often correlates with enhanced job satisfaction and improved economic mobility for business owners—though outcomes naturally vary based on multiple factors including market conditions, industry, and individual circumstances.6
    As we recognize the value of small businesses, it’s also important to recognize that surviving as a small business is not easy. About one in six new businesses fail during their first year and almost 50% fail by their fifth year.7 When a small business struggles or fails, the repercussions often extend beyond the enterprise itself. Entrepreneurs who have invested personal savings and assets in their ventures may face significant financial strain, creating ripple effects that impact their families’ stability as well as the broader economic health of their communities.
    In light of these dynamics, it is essential to understand the fundamental challenges that small businesses face and develop targeted tools and policies that can effectively support entrepreneurs as they start and scale their businesses. Today, let me focus on credit access and the need for more transparency in lending terms.
    Access to Credit for Small BusinessesMany small businesses need credit to launch and grow their business. Small businesses access financing from diverse sources, including banks of all sizes, credit unions, online lenders, and other nonbank financing companies. Despite this range of sources, the Federal Reserve’s Small Business Credit Survey (SBCS) identified credit availability as a challenge faced by over a quarter of small businesses.8 In addition, many small businesses face problems with the credit they do obtain.
    While access to credit poses challenges for many small businesses, these hurdles can be even more pronounced for women and minority business owners. Research consistently shows that women-owned businesses typically start with smaller amounts of initial capital compared to other firms, even when accounting for factors like education, experience, credit scores, and business characteristics such as industry and growth potential.9 Furthermore, women- and minority-owned businesses often encounter distinct obstacles when seeking financing. Minority business owners often have lower credit scores compared to non-minority business owners, which can lead to lower approval rates for loans.10
    Banks, nonbanks, and online lenders have the potential to fill these financing needs. But to be effective, they need to understand consumer preferences and behavior to provide credit products that meet these needs in a safe and fair way.
    Addressing the Need for Financial TransparencyA significant challenge facing small businesses is the absence of policies providing essential tools and protection for small business borrowers. Despite the fact that many small businesses function more like households than Fortune 500 companies, they generally fall outside regulatory disclosure requirements intended to ensure transparency in pricing, facilitate comparison shopping, and protect the financial interest of borrowers.
    Consider the Truth in Lending Act (TILA), implemented in Regulation Z, which does not extend protection to small business borrowers.11 This exclusion stems partly from the assumption that small business owners possess financial sophistication or can access professional assistance when needed. This regulatory gap matters because business financing offers may present pricing structures that differ substantially from the standardized disclosures that small business owners are accustomed to seeing on consumer credit disclosures.
    Research from focus groups conducted by the Federal Reserve Board and the Federal Reserve Bank of Cleveland revealed that many small business owners struggle with understanding the specialized terminology used by certain nonbank lenders.12 For instance, instead of providing familiar metrics like an Annual Percentage Rate (APR) or an interest rate, some nonbank providers present a factor rate—a fundamentally different metric that cannot be directly compared to an APR or interest rate. The research identified a lender’s website that advertised a “factor rate of 1.15” which translated to an undisclosed estimated APR of approximately 70 percent. Further complicating matters, some lenders may disclose an interest rate without including an APR, meaning that various fees and additional costs may not be reflected in the stated rate that borrowers often use to evaluate their financing options.
    While complexity sometimes serves a business purpose, in many cases, it obfuscates the costs and can lead to poor financial decisions by small business owners. More broadly, product design by banks and nonbanks should help to counter, not lean into, biases that can lead to poor financial decision-making. For instance, present bias describes our natural tendency to prioritize immediate benefits over long-term considerations. This might lead business owners to focus more on quick access to funds or low initial payments rather than evaluating the complete long-term cost structure. Similarly, status quo bias suggests that once a small business borrower establishes a lending relationship, they may be less inclined to explore alternatives, even when more favorable options become available. The perceived complexity or uncertainty of refinancing or switching lenders can reinforce this tendency to maintain existing arrangements. Understanding psychological factors and cognitive biases can help small business borrowers make more informed financial decisions by recognizing how the presentation of lending terms might affect their evaluation process.
    In light of these realities, banks, small business advocates, and industry stakeholders should support policies that help small businesses better understand risks, and to drive the market towards products that are designed to overcome, not exacerbate, these problems. Potential policies would include enhancing transparency in loan terms, thus enabling business owners to make more informed financial decisions. Additional borrower safeguards worth consideration include ensuring that loan products are sustainably repayable and don’t lead businesses into costly reborrowing cycles, as well as ensuring fair treatment both during the loan origination process and throughout any restructuring efforts or collection proceedings.
    Some states are moving forward with policies that protect small businesses. California and New York, for example, now require many lenders to offer clear disclosure of the APR and estimated monthly payments.13 This requirement gives borrowers the opportunity to understand the financing being offered in a clear, concise manner, enabling informed comparisons across different product options. Several other states passed versions of disclosure laws for small business financing transactions, with some variability over the range of financing transactions covered and the types of disclosures required.14
    The Role of Community-Based ProgramsI want to recognize the important role that community-based programs can play in supporting entrepreneurs. These programs provide accessible tools, technical assistance, and educational resources that help entrepreneurs reach their full potential. Local organizations such as small business development centers, educational institutions, and community development financial institutions are connecting small business owners with personalized consulting, technical assistance and education, and entrepreneurial skills development.
    The most successful of these types of programs deliver practical technical assistance and education while fostering collaboration within local entrepreneurial ecosystems. These include university- or community college-based initiatives connecting business owners with volunteer consultants, resource hubs offering workshops, or rural development centers providing specialized support. By emphasizing both skill-building and community connections, these programs help small businesses and entrepreneurs overcome barriers to success.
    ConclusionIn conclusion, small businesses are engines of innovation, job creation, and economic mobility in our society. Great work has been done to understand what it takes to help small businesses thrive and grow, including access to sound and affordable credit, skills-building, and business networks. I encourage us to build on this work by enhancing financial transparency, implementing supportive policies, and leveraging community-based programs to enhance business opportunities. These collective efforts to support entrepreneurs and small business owners not only benefit individual enterprises but also contribute to a healthy and dynamic economy that works for all.

    1. The views expressed here are my own and are not necessarily those of my colleagues on the Federal Reserve Board or the Federal Open Market Committee. Return to text
    2. U.S. Small Business Administration Office of Advocacy, “Frequently Asked Questions About Small Business, 2024.” July 2024. Return to text
    3. Id. See also Kennan Fikri and Daniel Newman, “Business Applications Eked Out a New Record in 2023,” Economic Innovation Group, January 2024. Return to text
    4. See U.S. Census Bureau, “Survey of Business Owners—Survey Results: 2012,” February 2016; “Annual Business Survey: 2022,” October 2023; “Census Bureau Releases New Data on Minority-Owned, Veteran-Owned, and Women-Owned Businesses,” October 26, 2023; and “Nonemployer Statistics by Demographics: 2021.” Return to text
    5. McKinsey Institute for Economic Mobility, The Economic Impact of Closing the Racial Wealth Gap, August 13, 2019, https://www.mckinsey.com/industries/public-sector/our-insights/-the-economic-impact-of-closing-the-racial-wealth-gap. McKinsey Institute for Economic Mobility, The Economic State of Latinos in America: the American Dream Deferred, December 2021, https://www.mckinsey.com/featured-insights/sustainable-inclusive-growth/the-economic-state-of-latinos-in-america-the-american-dream-deferred. Andre M. Perry and Carl Romer, “To Expand the Economy, Invest in Black Businesses,” The Brookings Institution. December 31, 2020. Wells Fargo, “2025 Impact of Women-Owned Businesses (PDF)”. Return to text
    6. See, e.g., Levine, R., & Rubinstein, Y. (2022). “Smart and illicit: Who becomes an entrepreneur and do they earn more?” Quarterly Journal of Economics, 137(1), 191-241; JPMorganChase & Co and Gallup. Entrepreneurial Insights: Owning and Employing as a Pathway to Wealth and Well Being. April 2024, https://news.gallup.com/poll/643268/employing-others-linked-wealth-wellbeing.aspx. Return to text
    7. US Bureau of Labor Statistics. Survival of Private Sector Establishments by Opening Year (TXT). Return to text
    8. “2024 Report on Employer Firms: Findings from the 2023 Small Business Credit Survey (PDF),” Small Business Credit Survey, Federal Reserve Banks, March 2024. Other financial challenges include rising costs of goods, services, and/or wages; paying operating expenses; uneven cash flow; weak sales; and making payments on outstanding debt. Return to text
    9. U.S. Department of Commerce, “Women Owned Business in the 21st Century (PDF),” October 2010. This report found that women start with less capital than men and are less likely to take on additional debt to expand their businesses. They are more likely than men to indicate that they do not need any financing to start their businesses. Susan Coleman and Alicia Robb, “A Comparison of New Firm Financing by Gender: Evidence from the Kauffman Firm Survey Data,” May 5, 2009, https://link.springer.com/article/10.1007/s11187-009-9205-7. This report found that, consistent with previous studies, women start their businesses with significantly lower levels of financial capital than men. Findings also reveal that women rely heavily on personal rather than external sources of debt and equity for both start-up capital and follow-on investments. Return to text
    10. Fairlie, Robert, Alicia Robb, and David T. Robinson. “Black and White: Access to Capital Among Minority-Owned Startups (PDF).” NBER Working Paper No. 28154. November 2020. Return to text
    11. While Regulation Z sets forth requirements for consumer credit advertising – and includes provisions to state charges as an Annual Percentage Rate (APR) and, among other things, full repayment terms when referencing payments, and certain other credit terms that may apply – Regulation Z does not apply to business credit. Because of this, lenders offering small business credit and lending products, often have more flexibility when it comes to disclosures of their products’ costs and features than do lenders offering credit products for personal or household use. Return to text
    12. Barbara Lipman and Ann Marie Weirsch, “Alternative Lending through the Eyes of “Mom-and-Pop” Small-Business Owners” (2016). Return to text
    13. California Code of Regulations, Title 10, Chapter 3, Subchapter 3 (PDF); New York State Department of Financial Services, 23 NYCRR 600 (PDF). Return to text
    14. See, e.g., Virginia, Utah, and Florida. For more details on the regulations across states, see https://onyxiq.com/commercial-financing-disclosure-laws/. Return to text

    MIL OSI USA News

  • MIL-OSI Security: Boston Man Pleads Guilty to Extortion Conspiracy

    Source: Office of United States Attorneys

    Defendant involved in Massachusetts State Police Commercial Driver’s License bribery scheme

    BOSTON – A Boston man pleaded guilty on March 21, 2025 to his role in an extortion conspiracy involving former Massachusetts State Police (MSP) troopers who allegedly conspired to give false passing scores to certain Commercial Driver’s License (CDL) applicants who had failed or had taken only partial CDL skills test, in exchange for bribes.

    Eric Mathison, 48, pleaded guilty to one count of conspiracy to commit extortion. U.S. District Court Judge Indira Talwani scheduled sentencing for June 13, 2025. In January 2024, Mathison was charged in a 74-count indictment along with five others in the alleged conspiracy and related schemes.

    Mathison, who worked for a water company that employed drivers who needed CDLs to drive their delivery vehicles, admitted to his role in an alleged conspiracy with others including former MSP Sergeant Gary Cederquist, then in charge of MSP’s CDL Unit, to give false passing scores to certain CDL applicants affiliated with the water company. It is alleged that Cederquist gave passing scores to multiple applicants who actually failed the CDL skills test, as well as others who took only a partial test, in exchange for bribes of free inventory from the water company, such as cases of bottled Fiji, VOSS and Essentia water, cases of bottled Arizona Iced Tea and coffee and tea products, all of which Mathison delivered to an office trailer at the CDL test site in Stoughton. Mathison admitted to his alleged communications with Cederquist about particular CDL applicants, their performance on the skills test, and inventory from the water company that Cederquist allegedly requested and that Mathison delivered. For example, Mathison admitted that he received texts, allegedly from Cederquist, describing one water company applicant as “an idiot,” who had “no idea what he’s doing,” and “should have failed about 10 times already.” It is alleged that Cederquist then gave this applicant a passing score. On another occasion, Mathison admitted that he asked Cederquist, “Hows the trailer holding,” to which Cederquist allegedly responded, “In desperate need of restocking,” along with a specific request for, among other things, premium bottled water, tea, energy drinks and a “truckload of large water.”

    The charge of conspiracy to commit extortion provides for a sentence of up to 20 years in prison, up to three years of supervised release and a fine of up to $250,000. Sentences are imposed by a federal district court judge based upon the U.S. Sentencing Guidelines and statutes which govern the determination of a sentence in a criminal case.

    United States Attorney Leah B. Foley; Michael J. Krol, Special Agent in Charge of Homeland Security Investigations in New England; and Christopher A. Scharf, Special Agent in Charge, U.S. Department of Transportation Office of Inspector General, Northeast Region made the announcement today. Assistant U.S. Attorneys Christine J. Wichers and Adam W. Deitch of the Public Corruption & Special Prosecutions Unit are prosecuting the case.

    MIL Security OSI

  • MIL-OSI Security: Davenport Man Sentenced to 15 Years in Federal Prison for Possessing a Firearm as an Armed Career Criminal

    Source: Office of United States Attorneys

    DAVENPORT, Iowa – A Davenport man was sentenced on March 18, 2025 to 15 years in federal prison for possessing a firearm as a felon and Armed Career Criminal.

    According to public court documents, Dontae Lamonte Burrage, 36, had multiple outstanding arrest warrants. Members of a bail bond company attempted to arrest Burrage on February 26, 2022. Burrage ran and threw a loaded pistol. Burrage has six prior state felony drug convictions. Therefore, Burrage is prohibited from possessing firearms or ammunition under federal law and, as an Armed Career Criminal, faced a mandatory minimum sentence of 15 years in prison.

    After completing his term of imprisonment, Burrage will be required to serve a five-year term of supervised release. There is no parole in the federal system.

    United States Attorney Richard D. Westphal of the Southern District of Iowa made the announcement. This case was investigated by the Davenport Police Department.

    This case is part of Project Safe Neighborhoods (PSN), a program bringing together all levels of law enforcement and the communities they serve to reduce violent crime and gun violence, and to make our neighborhoods safer for everyone. On May 26, 2021, the department launched a violent crime reduction strategy strengthening PSN based on these core principles: fostering trust and legitimacy in our communities, supporting community-based organizations that help prevent violence from occurring in the first place, setting focused and strategic enforcement priorities, and measuring the results. For more information about Project Safe Neighborhoods, please visit Justice.gov/PSN.

    MIL Security OSI

  • MIL-OSI Economics: Development Asia: Navigating the Rising Tide: Transformational Adaptation for Resilient Atoll Nations

    Source: Asia Development Bank

    Short-term responses, while necessary for immediate relief, are insufficient to address the deep-rooted and long-term challenges faced by these countries. As sea-levels continue to rise and coastal inundation intensifies, a shift to more transformational adaptation strategies will be necessary.

    Transformational adaptation strategies will leverage an understanding of current and future climate risks (which is a function of hazards, exposure, and vulnerabilities) to identify and prioritize sustainable, integrated, and sequenced adaptation investments across sectors, ensuring long-term resilience and preventing maladaptation.

    Transformational adaptation concept example of an atoll island. 
    Source: Asian Development Bank. Illustration by Lucas Kukler.  

    Transformational adaptation requires holistic strategies that integrate the latest understanding of science, inclusive governance approaches, local cultural and traditional knowledge, and innovative financing mechanisms. This could include a combination of measures such as improved land use and settlement planning, land reclamation, resilient infrastructures, strengthening building designs, developing green skills, relocation policies, integrated water resources management approaches, improved disaster preparedness, and nature-based solutions.

    Resources needed for implementing transformational adaptation strategies are greater than currently available. Equally important is the approach to identify the funding and financing of adaptation investments—how investments are identified, prioritized, financed, and maintained. This will differ significantly from business-as-usual practices. 

    For example, the Republic of Marshall Islands “survival plan”, National Adaptation Plan, estimates that protecting all of its atolls to withstand sea level rise would result in costs increasing up to $35 billion for a 2-meter sea level rise from $5 billion for a 0.5-meter sea level rise—equivalent to 125 times and 17.8 times of the country’s GDP in 2023 pegged at $0.28 billion, respectively.

    Transformational adaptation strategies will also require longer preparation and implementation lead times than investments typically supported under the usual decision making and financing cycles—which means long-term commitment and programmatic approaches for financing. It will also need to promote enabling factors and policy actions to address the underlying drivers of vulnerability, such as land tenure.

    MIL OSI Economics

  • MIL-OSI Global: America’s democratic decline has critical lessons for Canadian voters

    Source: The Conversation – Canada – By Matthew Lebo, Professor, Department of Political Science, Western University

    Canadians are soon heading to the polls as they watch American democracy crumble.

    United States President Donald Trump recently argued “he who saves his country does not violate any Law” as he ignores Congress and the courts, governs by executive order and threatens international laws and treaties.




    Read more:
    Is Donald Trump on a constitutional collision course over NATO?


    Once stable democratic institutions are failing to hold an authoritarian president in check.

    What lessons are there to protect Canadian democracy as the federal election approaches?

    Elites lead the way

    First, it’s important to delve into how so many Americans have become tolerant of undemocratic actions and politics in the first place. It’s not that Republican voters first became more extreme and then chose a representative leader. Rather, public opinion and polarization are led by elites.

    Republican leaders moved dramatically to the right, and the primary system allowed the choice of an extremist. Republican voters then aligned their opinions with his. Trump’s disdain for democratic fundamentals spread quickly. Partisans defending their team slid away from democratic values.

    Canada’s more centrist ideological spectrum is not foolproof against this type of extremism. Public opinion can be moved when our leaders take us there.

    Decline can start slowly and then accelerate. America’s democratic backsliding in the first weeks of Trump’s second presidency follows the erosion of democratic norms over decades. Republican attacks on institutions, the opposition, the media and higher education corrosively undermined public faith in the truth, including election results.

    Trust in government is holding steady in Canada, however. That provides an important guardrail for Canadian democracy.

    The dangers of courting the far right

    There are also lessons for our political parties. To maximize their seats, Republicans accepted extremists like Marjorie Taylor Greene, but soon needed those types of politicians for key votes.

    The so-called Freedom Caucus, made up of MAGA adherents, forced the choice of a new, more extreme, leader of the House of Representatives. This provides a clear lesson that history has shown many times: it is dangerous for the party on the political right to accommodate the far right, which can quickly take control.

    Once established within the ruling party, extremists can hold their party hostage.

    At a recent meeting of the Munich Security Conference, Vice-President JD Vance pushed European parties to include far-right parties, and Elon Musk outright endorsed the far-right Alternative for Germany party.

    Austria recently avoided the inclusion of the far right in its new coalition, and now Germany is working to do the same. As Canada’s Conservatives look for every vote, courting far-right voters and candidates risks destabilizing the system.

    Can it happen in Canada?

    How safe is Canada’s Westminster-style parliamentary democracy?

    The fusion of legislative and executive power in parliamentary systems like Canada’s seems prone to tyranny. America’s Constitutional framers thought so when they designed a system with separate legislative, executive and judicial branches that could check each other’s power.

    They clearly did not imagine party loyalty negating the safeguards that protect democracy from an authoritarian-minded president. The Constitution gives Congress the power to legislate and impeach, limits the executive’s power to spend and make appointments, gives the judiciary power to hold an executive accountable and contains the 25th amendment allowing cabinet to remove a president.

    But when one party controls the legislative and executive branches during a time of hyper-partisanship, these mechanisms may not constrain an authoritarian. Today, Republican loyalty has eroded these checks and balances and American courts are struggling to step up to their heightened role.

    Although counter-intuitive, parliamentary systems like Canada’s are usually less susceptible to authoritarianism than presidential ones because the cabinet or the House of Commons can turn against a lawless leader.

    Still, if popular, authoritarian leaders can still retain their party’s support — and then things can slide quickly. The rightward pull of extremists seen in the U.S. House would be more dangerous here since the Canadian House of Commons includes our executive.

    Guarding against xenophobia

    Lastly, Canada should be wary of xenophobic rhetoric.

    America First” is not simply shopping advice. It began as an isolationist slogan during the First World War but was soon adopted by pro-fascists, American Nazis and the Ku Klux Klan. These entities questioned who is really American and wanted not only isolationism, but racist policies, immigration restrictions and eugenics.

    Trump did not revive the phrase accidentally. It’s a call to America’s fringes. Alienating domestic groups is a sure sign of democratic decline.

    “Canada First” mimics that century-long dark theme in America. In combination with contempt for the opposition, it questions the right of other parties to legitimately hold power if used as a message by one party.

    Also, asserting that “Canada is broken” — as Conservative Leader Pierre Poilievre often does — mimics Trump’s talk of American carnage, language and imagery he uses to justify extraordinary presidential authority.

    Such language erodes citizens’ trust in democratic institutions and primes voters to support undemocratic practices in the name of patriotism. Canadian parties and politicians should exit that road.

    Ultimately, institutions alone do not protect a country from the rise of authoritarianism. Democracy can be fragile. As a federal election approaches in Canada, it’s important to know the warning signs of extremism and anti-democratic practices that are creeping into our politics.

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

    ref. America’s democratic decline has critical lessons for Canadian voters – https://theconversation.com/americas-democratic-decline-has-critical-lessons-for-canadian-voters-251544

    MIL OSI – Global Reports

  • MIL-OSI Global: Hudson’s Bay liquidation: What happens when a company goes bankrupt?

    Source: The Conversation – Canada – By Michael R. King, Associate Professor, Gustavson School of Business and Lansdowne Chair in Finance, University of Victoria

    An Ontario court has approved the liquidation of nearly all Hudson’s Bay Company’s stores, marking the end of Canada’s oldest company, which has been in operation for 355 years. The liquidation is set to begin March 24, and will continue until June 15, leaving only six stores in operation.

    The court’s decision came shortly after Hudson’s Bay filed for creditor protection, signalling the company’s struggle to manage its mounting debt.

    With widespread layoffs sure to follow, this corporate collapse is both shocking and distressing. But the court documents suggest it was not unexpected. Hudson’s Bay lost $329.7 million in the 12 months leading up to Jan. 31, 2025. As of that date, Hudson’s Bay had only $3.3 million in cash and owed more than $2 billion in debt and leases.

    The final straw appears to have been trade tensions between Canada and the U.S., with the increased geopolitical and economic uncertainty leading lenders to shun Hudson’s Bay as it sought more financing, according to court documents.

    What bankruptcy looks like

    The downfall of a major company like Hudson’s Bay brings with it a wave of financial jargon. Understanding the differences between insolvency, bankruptcy, restructuring and liquidation is crucial to fully grasp the situation.

    Insolvency occurs when a business runs out of cash and cannot pay its bills. At the start of March, it was $5 million behind on rent and supplier payments, and within days of missing payroll.

    Bankruptcy is a legal process under Canada’s Companies’ Creditors Arrangement Act where a company files for protection from its creditors. The goal is to avoid the social and economic costs of liquidation, preserve jobs and protect the interests of affected stakeholders. If granted, the judge sets a “stay period” where the company works out a restructuring plan with its creditors.

    Hudson’s Bay has more than 2,000 creditors, including $430 million in secured term loans, $724 million in mortgages and $512 million to unsecured creditors, mostly owed to suppliers. Hudson’s Bay also owes payroll remittances, federal sales taxes and over $60 million in customer gift cards and loyalty points. Gift cards are good until April 6.

    A restructuring wipes out the equity holders and allows a company to negotiate a reduction in its debts. The business continues to operate under the supervision of a court-appointed monitor, using interim financing to pay bills. If successful, the company re-emerges from bankruptcy and continues to do business.

    If restructuring is not successful, the company asks the court for permission to liquidate. Liquidation means a “fire sale” of all assets such as inventory, shelving, real estate, leases and trademarks. Items are sold at a deep discount, leading to potential bargains.

    The Ontario Superior Court denied the initial request to liquidate on March 14, telling Hudson’s Bay and its creditors to “lower the temperature” and work on a deal. With only limited progress and some concessions made to support Hudson’s Bay’s joint venture with RioCan REIT, the court gave permission for the liquidation on March 21.

    Many will lose, some will win

    The collapse of Hudson’s Bay will leave many facing financial losses, while a select few stand to gain.

    Secured creditors, some suppliers and Hudson’s Bay pensioners are expected to be protected by the courts. However, many others, including thousands of customers and more than 1,800 unsecured creditors, will suffer a financial hit.

    The hardest impact will be felt by the more than 9,300 employees losing their jobs. Employees will lose their income, health and disability benefits, and life insurance, significantly impacting families across the country.

    However, employees will not lose their pension benefits. The company’s pension plan is fully funded and in surplus position. This was not the case for Sears Canada when it went bankrupt in 2018. A surplus means the value of investments is greater than the promised benefits and is good news for retirees.




    Read more:
    Sears Canada tarnishes the gold standard of pensions


    Mall landlords will also lose out. Hudson’s Bay drove foot traffic in malls across the country where it was the anchor-tenant. There will likely be painful ripple effects for smaller Hudson’s Bay store owners, including falling sales, defaults on mortgages and business failures.

    That said, some stand to benefit. For example, the American financial services company Restore Capital LLC is providing interim debtor-in-possession (DIP) financing, charging a hefty fee in the process. The lawyers and accountants involved in the bankruptcy may also benefit.

    Priority of proceeds

    When a company is liquidated, the proceeds from selling its assets are used to repay claimants based on their priority in bankruptcy. This is sometimes referred to as the waterfall of “who gets what.” Think of it as a queue with people lining up to get paid.

    Interim DIP financing is paid off first, together with legal and accounting fees related to the bankruptcy. Essential operating costs during the restructuring are also paid, including employee wages.

    Next come secured creditors. These lenders provided funding backed by specific assets, known as collateral. Collateral may include inventory and real estate. A similar process happens on a personal residence; if a homeowner defaults on their mortgage payments, the bank may take possession of the house.

    Third in line are debts granted priority by the courts. Employees receive unpaid wages up to a certain cap, just under $9,000, under the federal Wage Earner Protection Program. Pension benefits are paid out and outstanding payroll and sales tax remittances are paid.

    As the pool of assets gets smaller, unsecured creditors are paid off next including suppliers, landlords and employees owed additional wages or termination benefits.

    Last in the queue from the wind-up are equity holders — the residual claimants — who control the company through their common and preferred shares.

    In 2020, Hudson’s Bay’s CEO Richard Baker and a group of investors took the company private, meaning it was no longer publicly traded on the Toronto Stock Exchange, buying out shareholders for approximately $2 billion. This stake is now wiped out.

    Disappointing, but not surprising

    Hudson’s Bay’s current financial situation is disappointing, but not surprising. The COVID-19 pandemic made times tough for brick-and-mortar retailers. On top of this, under-investment and a failed e-commerce strategy left the company struggling to compete in an increasingly digital retail landscape.

    With tariffs and trade uncertainty hurting the Canadian economy, the unfolding trade war is expected to have far-reaching consequences for Canadian households and businesses. Hudson’s Bay was not immune to these effects.

    In the end, Hudson’s Bay backed itself into a corner, arguably waiting too long to secure funding and ultimately losing control of its own destiny. Its bankruptcy is a major blow to Canadian retail, marking the end of a era for a company that lasted more than three-and-a-half centuries.

    The authors do not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and have disclosed no relevant affiliations beyond their academic appointment.

    ref. Hudson’s Bay liquidation: What happens when a company goes bankrupt? – https://theconversation.com/hudsons-bay-liquidation-what-happens-when-a-company-goes-bankrupt-252784

    MIL OSI – Global Reports

  • MIL-OSI USA: Markey, Van Hollen, Booker Urge Trump to Work with Congress to Keep TikTok Online

    US Senate News:

    Source: United States Senator for Massachusetts Ed Markey

    Letter Text (PDF)

    Washington (March 24, 2025) – Senator Edward J. Markey (D-Mass.), a member of the Commerce, Science, and Transportation Committee, and Senators Chris Van Hollen (D-Md.) and Cory Booker (D-N.J.) today wrote to President Donald Trump, requesting additional information on any efforts to keep TikTok online in the United States and urging the Administration to work with Congress on any potential resolutions to the TikTok ban.

    Under the Protecting Americans’ Data from Foreign Adversaries Act, ByteDance had until January 19 to either divest TikTok or face a ban in the U.S. In an executive order, President Trump directed the Department of Justice to not enforce the law for 75 days. This nonenforcement of the TikTok ban was not only unlawful but also raised serious questions about TikTok’s future, as the law imposes liability—up to $850 billion in fines—on companies for facilitating TikTok’s continued operations in the U.S. That 75-day extension expires on April 5. With a qualified divestiture unlikely to occur by that deadline, the Senators urged the Trump administration to work with Congress to keep TikTok online.

    In the letter, the lawmakers write, “There is a better solution: Work with Congress. We have previously introduced legislation — the Extend the TikTok Deadline Act — that would extend the TikTok deadline to October 16, 2025, but Senate Republicans blocked passage of our bill. If you need additional time to complete a deal, we urge you to direct Senate Republicans to pass our legislation and provide the companies with legal certainty to keep TikTok online and in the app stores over the next few months. If you intend to proceed with the reported Oracle deal, we urge you to work with Congress to propose modifications to the Protecting Americans’ Data from Foreign Adversaries Act to ensure that any Oracle deal prevents TikTok from going dark. Regardless of your approach, the path to saving TikTok should run through Capitol Hill.

    “Without any further action from Congress, the 170 million Americans that rely on TikTok will continue to face uncertainty about TikTok’s future. Creators will continue to fear that the platform could disappear at any moment. This situation is unfair and unworkable. We urge you to stand up for TikTok’s users and use your immense influence over congressional Republicans to demand a long-term solution to the TikTok ban.”

    Ahead of the April 5, 2025 deadline, the lawmakers request responses by March 28, 2025, to the following questions:

    1. Is your administration considering further extending the TikTok divestment deadline by executive order? If so, please identify the statutory basis for such an extension.
    2. Are news reports accurate that your administration is considering a potential deal with Oracle under which Oracle would take a stake in TikTok and provide certainty about the security of TikTok’s user data?
    3. Does your administration believe that any further legislative action is necessary to ensure that TikTok remains online in the United States?

    On January 16, 2025, Senator Markey, along with Senators Van Hollen and Booker, sent a letter to President Joe Biden urging him to trigger the 90-day extension in the Protection Americans’ Data from Foreign Adversary Controlled Applications Act to allow ByteDance additional time to divest from TikTok. Senators Markey, Booker, and Van Hollen, along with Senator Ron Wyden (D-Ore.) and Congressman Ro Khanna (CA-17), introduced the Extend the TikTok Deadline Act, legislation that would delay the January 19 deadline by which ByteDance must sell TikTok or face a ban, by an additional 270 days. In December 2024, Senators Markey and Rand Paul (R-Ky.), along with Congressman Khanna, submitted a bipartisan, bicameral amicus brief urging the U.S. Supreme Court to reverse the D.C. Circuit Court’s decision in TikTok Inc. v. Garland, which upheld the TikTok ban established under the Protecting Americans from Foreign Adversary Controlled Applications Act. On December 19, Senators Markey and Paul sent a letter to President Joe Biden urging him to provide TikTok owner ByteDance with a 90-day extension to either sell TikTok or face the ban.

    MIL OSI USA News

  • MIL-Evening Report: Trump silences the Voice of America: end of a propaganda machine or void for China and Russia to fill?

    Source: The Conversation (Au and NZ) – By Valerie A. Cooper, Lecturer in Media and Communication, Te Herenga Waka — Victoria University of Wellington

    Getty Images

    Of all the contradictions and ironies of Donald Trump’s second presidency so far, perhaps the most surprising has been his shutting down the US Agency for Global Media (USAGM) for being “radical propaganda”.

    Critics have long accused the agency – and its affiliated outlets such as Voice of America, Radio Free Europe and Radio Free Asia – of being a propaganda arm of US foreign policy.

    But to the current president, the USAGM has become a promoter of anti-American ideas and agendas – including allegedly suppressing stories critical of Iran, sympathetically covering the issue of “white privilege” and bowing to pressure from China.

    Propaganda is clearly in the eye of the beholder. The Moscow Times reported Russian officials were elated by the demise of the “purely propagandistic” outlets, while China’s Global Times celebrated the closure of a “lie factory”.

    Meanwhile, the European Commission hailed USAGM outlets as a “beacon of truth, democracy and hope”. All of which might have left the average person understandably confused: Voice of America? Wasn’t that the US propaganda outlet from World War II?

    Well, yes. But the reality of USAGM and similar state-sponsored global media outlets is more complex – as are the implications of the US agency’s demise.

    Public service or state propaganda?

    The USAGM is one of several international public service media outlets based in western democracies. Others include Australia’s ABC International, the BBC World Service, CBC/Radio-Canada, France Médias Monde, NHK-World Japan, Deutsche Welle in Germany and SRG SSR in Switzerland.

    Part of the Public Media Alliance, they are similar to national public service media, largely funded by taxpayers to uphold democratic ideals of universal access to news and information.

    Unlike national public media, however, they might not be consumed – or even known – by domestic audiences. Rather, they typically provide news to countries without reliable independent media due to censorship or state-run media monopolies.

    The USAGM, for example, provides news in 63 languages to more than 100 countries. It has been credited with bringing attention to issues such as protests against COVID-19 lockdowns in China and women’s struggles for equal rights in Iran.

    On the other hand, the independence of USAGM outlets has been questioned often, particularly as they are required to share government-mandated editorials.

    Voice of America has been criticised for its focus on perceived ideological adversaries such as Russia and Iran. And my own research has found it perpetuates stereotypes and the neglect of African nations in its news coverage.

    Leaving a void

    Ultimately, these global media outlets wouldn’t exist if there weren’t benefits for the governments that fund them. Sharing stories and perspectives that support or promote certain values and policies is an effective form of “public diplomacy”.

    Yet these international media outlets differ from state-controlled media models because of editorial systems that protect them from government interference.

    The Voice of America’s “firewall”, for instance, “prohibits interference by any US government official in the objective, independent reporting of news”. Such protections allow journalists to report on their own governments more objectively.

    In contrast, outlets such as China Media Group (CMG), RT from Russia, and PressTV from Iran also reach a global audience in a range of languages. But they do this through direct government involvement. CMG subsidiary CCTV+, for example, states it is “committed to telling China’s story to the rest of the world”.

    Though RT states it is an autonomous media outlet, research has found the Russian government oversees hiring editors, imposing narrative angles, and rejecting stories.

    A Voice of America staffer protests outside the Washington DC offices on March 17 2025, after employees were placed on administrative leave.
    Getty Images

    Other voices get louder

    The biggest concern for western democracies is that these other state-run media outlets will fill the void the USAGM leaves behind – including in the Pacific.

    Russia, China and Iran are increasing funding for their state-run news outlets, with China having spent more than US$6.6 billion over 13 years on its global media outlets. China Media Group is already one of the largest media conglomerates in the world, providing news content to more than 130 countries in 44 languages.

    And China has already filled media gaps left by western democracies: after the ABC stopped broadcasting Radio Australia in the Pacific, China Radio International took over its frequencies.

    Worryingly, the differences between outlets such as Voice of America and more overtly state-run outlets aren’t immediately clear to audiences, as government ownership isn’t advertised.

    An Australian senator even had to apologise recently after speaking with PressTV, saying she didn’t know the news outlet was affiliated with the Iranian government, or that it had been sanctioned in Australia.

    Switched off

    Trump’s move to dismantle the USAGM doesn’t come as a complete surprise, however. As the authors of Capturing News, Capturing Democracy: Trump and the Voice of America described, the first Trump administration failed in its attempts to remove the firewall and install loyalists.

    This perhaps explains why Trump has resorted to more drastic measures this time. And, as with many of the current administration’s legally dubious actions, there has been resistance.

    The American Foreign Service Association says it will challenge the dismantling of the USAGM, while the Czech Republic is seeking EU support to keep Radio Free Europe and Radio Liberty on the air.

    But for many of the agency’s journalists, contractors, broadcasting partners and audiences, it may be too late. Last week the New York Times reported some Voice of America broadcasts had already been replaced by music.

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

    ref. Trump silences the Voice of America: end of a propaganda machine or void for China and Russia to fill? – https://theconversation.com/trump-silences-the-voice-of-america-end-of-a-propaganda-machine-or-void-for-china-and-russia-to-fill-252901

    MIL OSI AnalysisEveningReport.nz

  • MIL-OSI USA: Attorney General Consumer Alert: Genetic Data Stored by ‘23andMe’ may be Sold in Bankruptcy Proceeding

    Source: US State of Idaho

    [BOISE] – Attorney General Raúl Labrador announced the following consumer protection alert to Idaho citizens:
    23andMe, a company that offers genetic testing and other genetic services to the public, filed for Chapter 11 bankruptcy protection on Sunday March 23, 2025.  23andMe is commonly known for providing health and ancestry information from genetic samples submitted by consumers.  As a result of the bankruptcy, 23andMe has disclosed that it intends to sell its corporate assets, which would likely include stored genetic data submitted by customers.
    “There is nothing more personal than an individual’s genetic information, said Attorney General Labrador, “and allowing that to be sold off to the highest bidder raises serious consumer protection concerns for privacy.  I want to make sure that 23andMe customers in Idaho have every opportunity to protect their genetic data.”
    Any consumer who submitted genetic data to 23andMe may have consented to 23andMe storing that data for research purposes.  According to online sources, consumers can withdraw their consent to 23andMe storing their genetic data through the following steps:

    Log into your account and navigate to Settings.
    Under Settings, scroll to the section titled 23andMe data. Select View.
    You may be asked to enter your date of birth for extra security.
    In the next section, you’ll be asked which, if any, personal data you’d like to download from the company (onto a personal, not public, computer). Once you’re finished, scroll to the bottom, and select Permanently delete data.
    You should then receive an email from 23andMe detailing its account deletion policy and requesting that you confirm your request. Once you confirm you’d like your data deleted, the deletion will begin automatically, and you’ll immediately lose access to your account.

    The above information is from the company’s website and an article from MIT Technology Review.
    Consumers may also use the Consumer Reports App to request that direct-to-consumer genetic testing companies, including 23andMe, delete any personal data. Permission Slip by CR.
    Consumers who have submitted genetic samples to other companies should determine if their genetic information has been stored by that company. If your data has been stored, you may request the company destroy any stored information either through the Consumer Reports App or through the company itself.

    MIL OSI USA News

  • MIL-OSI USA: Governor Kehoe Announces Seven Appointments to Various Boards

    Source: US State of Missouri

    MARCH 24, 2025

     — Today, Governor Mike Kehoe announced seven appointments to various boards.

    Mason Bell, of Williamsville, was appointed to the Missouri Veterinary Medical Board.

    Dr. Bell currently serves as the chief financial officer and veterinarian at Bell Veterinary Services, LLC DBA Hillcrest Animal Hospital. He is a member of several professional organizations including the American Veterinary Medical Association, Missouri Veterinary Medical Association, American Association of Beef Cattle Practitioners, American Association of Equine Practitioners, and the Society for Theriogenology. Dr. Bell earned his Bachelor of Science in Animal Science from Oklahoma State University and a Doctor of Veterinary Medicine from the University of Missouri-Columbia College of Veterinary Medicine.

    Mark Ellebracht, of Excelsior Springs, was appointed to the Missouri Board of Probation and Parole.

    Mr. Ellebracht is a principal partner at The Injury Council, a personal injury law firm in Clayton, Missouri. Ellebracht formerly served in the Missouri House of Representatives from 2017 to 2023 for District 17 and later worked as an assistant prosecuting attorney for Clay County. He also served as a squad leader for the United States Army. Mr. Ellebracht earned his Bachelor of Arts in Political Science from William Jewell College and his Juris Doctor from the University of Missouri School of Law in Columbia.

    Marcy Hammerle, of Troy, was appointed to the Missouri Veterinary Medical Board.

    Dr. Hammerle is an associate veterinarian at Elm Point Animal Hospital. She previously served as board chair and president of the Missouri Veterinary Medical Association and is an active member of the Missouri Veterinary Medical Foundation, Therapeutic Horsemanship Board, and the Greater St. Louis Veterinary Medical Association. Dr. Hammerle earned her Doctor of Veterinary Medicine from the University of Missouri-Columbia College of Veterinary Medicine.

    Jeremy Manley, of Springfield, was appointed to the State Board of Mediation.

    Mr. Manley is the president and business representative of Teamsters Local 245. From 2017 to 2019, Manley served as a Democrat, Republican, Independent Voter Education (DRIVE) representative for International Brotherhood of Teamsters in Washington, D.C. Prior to working with Teamsters, Manley worked as a delivery driver for the United Parcel Service.

    Michael Pfander, of Clever, was reappointed to the Missouri Veterinary Medical Board.

    Dr. Pfander is a small animal veterinarian at Cottage Veterinary Hospital in Springfield, Missouri. He has served on the Missouri Veterinary Medical Board since 2012. Outside of veterinary medicine, Dr. Pfander also worked as an adjunct professor at Drury University from 1996 to 2012. He is a member of several professional organizations including the American Veterinary Medical Association, Missouri Veterinary Medical Association, Southwest Missouri Veterinary Medical Association, and the University of Missouri-Columbia Veterinary Medicine Alumni Association. Dr. Pfander earned his bachelor’s degree in agriculture and Doctor of Veterinary Medicine from the University of Missouri-Columbia.

    Christopher Rohlfing, of Fayette, was reappointed to the Missouri Veterinary Medical Board.

    Mr. Rohlfing is the owner and operator of Production Agriculture. He has been a public member of the Missouri Veterinary Medical Board since 2014. Prior to starting his own business, Rohlfing worked as the member services manager at Boone Electric Cooperative before retiring after 33 years. He’s also worked as an independent crop insurance agent since 1983. Mr. Rohlfing is as a member of the Deans Strategic Advisory Committee for the University of Missouri-Columbia School of Veterinary Medicine and is the president of the Howard County Farm Bureau. He earned his Bachelor of Science and Master of Education from the University of Missouri-Columbia and his Master of Business Administration from William Woods University in Fulton, Missouri.

    Rodney Schad, of Versailles, was appointed to the State Environmental Improvement and Energy Resources Authority.

    Mr. Schad is the owner and operator of Schad Farm where he raises cattle, corn, soybeans, and wheat. He formerly represented the 115th District in the Missouri House of Representatives from 2005 to 2012 and later as the Morgan County Commissioner from 2012 to 2020. Schad is an active member of the First Christian Church of Versailles and the Missouri Farm Bureau. He also serves as a board member for several organizations, including Quality Industries, Show Me Christian Youth Home, Highland Mutual Insurance Company, and the Missouri Public Defender Commission.

    ###

    MIL OSI USA News

  • MIL-OSI Security: Belgium National and Utah Business Owner Charged After Allegedly Running a $5 Million Ponzi Scheme

    Source: Federal Bureau of Investigation (FBI) State Crime Alerts (c)

    $3M of investor funds allegedly used on real estate, a personal chef, Chevrolet Corvette & more

    SALT LAKE CITY, Utah –A Belgium national and the owner of K & K Strategies is facing federal charges after he allegedly operated a $5 million Ponzi scheme.  The Utah investment owner, who was not licensed to sell securities, allegedly defrauded approximately 75 investors, and used at least $3 million on real estate purchases, investor payouts, a personal chef, a 2002 Chevrolet Corvette, and other personal expenses.

    Kenny Dirk Van Der Spek, aka Kenny Vanderspek, 35, of South Jordan, Utah, was charged by complaint on March 12, 2025. He was charged by way of felony information on March 19, 2025.

    According to court documents, Van Der Spek, who was the owner and manager of K & K Strategies, LLC, defrauded at least 75 investors in his company between December 2017 and December 2023. K & K Strategies was a Utah limited liability company with a principal address in Salt Lake County and had investors in Utah and across the country. The stated purpose of the business was to help people who were not wealthy invest and teach about stock trading. However, Van Der Spek was not licensed to sell securities.

    As part of the scheme to defraud, Van Der Spek lied and manipulated clients to convince them to invest with K & K Strategies. He told them that K & K Strategies was legally operating a hedge fund and that he was licensed to do so. He represented to investors that their investments with K & K Strategies LLC were succeeding, showing them fabricated financial records, when in reality, investors were suffering losses. He also displayed an alleged “live stream” of trades on knkstrategies.com so that investors could “watch [their] money grow.”

    Van Der Spek is charged with securities fraud, wire fraud, and money laundering. His initial appearance on the felony information is scheduled for March 20, 2025, at 3:00 p.m. in courtroom 7.1 before a U.S. Magistrate Judge at the Orrin G. Hatch United States District Courthouse in downtown Salt Lake City.

    Acting United States Attorney Felice John Viti for the District of Utah made the announcement.

    The case is being investigated by the FBI Salt Lake City Field Office, Internal Revenue Service – Criminal Investigation (IRS-CI) Phoenix Field Office, and the Utah Division of Securities.

    Special Assistant United States Attorney Sachiko J. Jepson and Assistant United States Attorney Mark Y. Hirata, of the U.S. Attorney’s Office for the District of Utah are prosecuting the case.

    A felony information is merely an allegation and all defendants are presumed innocent until proven guilty beyond a reasonable doubt in a court of law. 
     

    MIL Security OSI

  • MIL-OSI USA: King: Administration’s Reckless Approach to Social Security “Disrespectful, Destructive, and Dangerous”

    US Senate News:

    Source: United States Senator for Maine Angus King

    WASHINGTON, D.C. — U.S. Senator Angus King (I-ME), is releasing the following statement in response to a decision made by the Trump Administration and Elon Musk’s Department of Government Efficiency (DOGE) to close dozens of Social Security offices across the country — a move following the February dismissal of 7,000 Social Security Administration (SSA) employees and one that could result in delayed or missing checks for the over 70 million Americans that rely on Social Security. The statement comes after Commerce Secretary Howard Lutnik, a billionaire, insisted during an interview that only ‘fraudsters’ would complain about missed Social Security checks, not honest Americans.   

    “The Trump Administration’s callous indifference to the millions of Americans who rely on the monthly Social Security checks they have earned – and the millions more Americans who are relying on Social Security for their planned retirements — is the most direct assault on this vital program in its almost 100 year history. It is disrespectful, destructive, and dangerous,

     “These payments have been penciled onto every page of Americans’ calendars for generations. These checks signify promises kept to millions of our family members and friendly neighbors when they reach into their mailbox every month. Household budgets rely on the timely arrival of these earnings to pay for mortgages, heat, and medications.

     “When the Trump White House and its corporate-suite cabinet sends reckless DOGE computer engineers into the Social Security networks, threaten cuts to the committed workforce who carefully manage this system, make it harder for citizens to interact with that workforce, or scoff at older Americans justifiably worried about late payments — as one of his billionaire cabinet members did just this week — this dismissive public stance frightens the very people who literally built this country, and who deserve a hell of a lot better.

     “Social Security is not social media; this ‘move fast and break things’ approach they seem to be following is a betrayal of the public trust.

     “The President has said repeatedly, during the campaign and since, that he would protect Social Security — but what’s happening now in his name is anything but protection, and he should put a stop to it.”

    MIL OSI USA News

  • MIL-OSI Global: How dreams, prophecies and intuitions can impact the decision to migrate

    Source: The Conversation – Canada – By James Kwateng-Yeboah, Assistant Professor, Department for the Study of Religion, Saint Mary’s University

    Aspirations transform migration from mere physical movement into a deeply personal conviction, reshaping how individuals see themselves and their futures.
    (NEOM/Unsplash)

    When governments, policymakers or the news media discuss migration, the focus is almost exclusively on those who physically cross borders, seek asylum or arrive at ports of entry. But migration does not begin at at the moment of departure or upon arrival. It starts much earlier, as an aspiration.

    Recent surveys show a sharp rise in global migration aspirations. In Canada, a Gallup poll found that 20 per cent of the population surveyed want to leave and much of this increase occurred since 2021.

    In the United States, that figure has hit a record 21 per cent. These figures challenge the common assumption that Canada and the U.S. are simply migration destinations. Increasingly, they are also places people aspire to leave. But what fuels migration desire?

    As a scholar of religion and migration, my recently published research focuses on aspiring migrants: those who dream and plan for a future elsewhere, even if they never leave.

    While studies have shown how religion might aid or hinder a person’s integration into new societies, I explore how religion shapes who wants to migrate in the first place and why.

    Not everyone who wants to migrate will ultimately do so, but their aspirations matter. Migration aspirations influence education, career choices, family formation and even political engagement. Yet, the forces behind these aspirations remain largely understudied.

    Migration aspirations influence education, career choices, family formation and even political engagement.
    (Evangeline Shaw/Unsplash)

    Who wants to migrate?

    My interviews with young Ghanaians between the ages of 20 and 35 reveal that migration is not just about where people go. It’s also about who they believe they are meant to be.

    Analyzing 565 surveys and 25 in-depth interviews, I found that the aspiraton to migrate was widespread, with nearly 78 per cent of those surveyed expressing a desire to migrate. However, aspirations were not evenly distributed.

    University students were the most eager to migrate, often viewing higher education abroad as a stepping stone. Family history also shaped migration aspirations. Those with relatives abroad and no prior travel experience were significantly more likely to want to leave, suggesting the influence of migrant social networks.

    Yet the strongest predictors of migration aspirations among participants were experiences like dreams, prophecies and intuitions that were considered religiously significant.

    Individuals who reported having migration-related dreams were more than twice as likely to express a strong desire to migrate, while those who believed migration was part of a divine plan were more than three times as likely. These findings challenge the traditional idea that migration is purely an economic decision, highlighting the role of religion and spirituality.

    Spiritual experiences and migration

    Dreams, prophecies and intuitions do more than inspire migration desires. They shape how people perceive and legitimize migration. These experiences transform migration from mere physical movement into a deeply personal conviction, reshaping how they see themselves and their futures.

    Participants in my study who had migratory dreams described them as vivid, immersive experiences in which they found themselves leaving their homeland, boarding airplanes or settling in foreign countries.

    These dreams transported them into sensory encounters with airports, unfamiliar climates like snowfall and racially diverse communities. Such dreams made migration feel imminent, influencing behaviours such as preparing travel documents and expanding social networks.

    Prophecy in many religious traditions are declarations made by spiritual leaders, often perceived as divine revelations about an individual’s life, future or destiny. In the context of migration, these prophecies foretell a person’s foreseeable journey abroad, shaping their understanding of the future.

    Dreams, prophecies and intuitions do more than inspire migration desires. They shape how individuals perceive and legitimize migration.
    (Adedotun Adegborioye/Unsplash)

    Migratory prophecies are often delivered in Pentecostal-Charismatic churches, through sermons, prayer sessions or direct pronouncements from pastors. Their significance lies not in predictive accuracy, but in their ability to inspire, shape emotions, and guide behaviours regarding migration.

    These prophecies legitimize a person’s migration aspirations as part of a divine plan, enhancing the aspiring migrant’s self-perception as one destined for success. They foster an internalized identity of a successful migrant even before the individual embarks on their journey, highlighting their potential to elevate social status and bring honour to their families and communities.

    Intuitions attributed to divine prompting also generate an inner certainty about migration. People feel an inexplicable but profound conviction that they must migrate, leading them to align their life decisions with what they perceive as a higher plan.

    By reinforcing deeply held aspirations, spiritual experiences do not just shape the desire to migrate; they construct the migrant’s very sense of self, embedding migration into their personal identity long before they ever set foot on foreign soil.

    Informing policy

    Most migration policies focus on border control, but rarely consider the social and cultural dynamics that shape migration. Dreams, prophecies and intuitions act as indicators of unmet aspirations.

    Understanding these experiences can help migration policymakers create strategies that are cross-culturally sensitive and context-specific. These strategies should move beyond the economics of migration to address the full spectrum of human motivations.

    Additionally, governments and news media must confront idealized narratives of migration destinations portrayed as utopias of opportunity. When such expectations clash with the stark realities of labour exploitation, cultural alienation and systemic racism, the resulting disillusionment can profoundly affect the well-being of individuals and communities.

    A responsible approach to migration must present a balanced view, acknowledging both opportunities and challenges, while preparing aspiring migrants for the complexities of their journeys and recognizing their aspirations as integral to their personhood.

    James Kwateng-Yeboah does not work for, consult, own shares in or receive funding from any company or organisation that would benefit from this article, and has disclosed no relevant affiliations beyond their academic appointment.

    ref. How dreams, prophecies and intuitions can impact the decision to migrate – https://theconversation.com/how-dreams-prophecies-and-intuitions-can-impact-the-decision-to-migrate-250736

    MIL OSI – Global Reports

  • MIL-OSI Global: Google’s AI-generated search feature hasn’t yet changed how users interact with search results

    Source: The Conversation – Canada – By Sylvain Senecal, Professor of Marketing and RBC Financial Group Chair of E-Commerce, HEC Montréal

    AI Overviews offers Google users AI-generated answers by sourcing and summarizing information from different websites. (Shutterstock)

    Google announced the launch of AI Overviews, its generative artificial intelligence-fuelled search feature, in May 2023. Initially named Search Generative Experience, AI Overviews offers Google users AI-generated answers by sourcing and summarizing information from different websites.

    These AI responses are positioned at the top of the page for immediate visibility. The aim is to improve user experience by providing an alternative and more straightforward way to access information while enhancing the relevance of search results.

    This feature has slowly been offered to the public, having initially been made available exclusively in the United States. AI Overviews is available worldwide and has been rolled out to more than 100 additional countries, including Canada.

    AI Overviews represents a key effort by Google to capitalize on the rapid emergence of generative AI technology amid fierce competition between AI-enabled search engines in the market. It’s a direct response to Open AI’s SearchGPT and Microsoft Bing’s Deep Search, which is powered by OpenAI’s ChatGPT.

    At the same time, conversational AI chatbots like ChatGPT, Microsoft’s Copilot and Google’s Gemini continue to resonate with users worldwide. Google’s investment in AI is critical to its ability to stay in the AI race among the other tech giants.

    Concerns about AI-assisted search

    The implementation of AI Overviews, however, has raised concerns among businesses, website managers and online advertisers.

    AI Overviews represents a key effort by Google to capitalize on the rapid emergence of generative AI technology.
    (Shutterstock)

    Critics worry this feature could decrease traffic to their websites if users were to rely too heavily on AI Overviews and ignore the links to websites displayed in the search results.

    Paid advertisements and sponsored content play a pivotal role in the revenue streams of companies and website operators. If traffic to websites diminishes, the incentive for these companies to invest in these advertising formats could decline, potentially disrupting the multi-billion-dollar online advertising industry.

    To better understand this, we conducted a study at HEC Montréal’s Tech3Lab to investigate the potential impact of search generative AI features like AI Overviews on user perceptions and behaviours compared to those associated with regular online search queries.

    User search behaviour and perceptions

    We developed a set of four Google search scenarios, either AI-assisted or non-AI-assisted. The two AI-assisted scenarios included an AI-generated overview at the top of the search results, while the two non-AI-assisted scenarios consisted of a regular Google search experience.

    For each scenario pair, participants performed a search for informational purposes and another search related to a product purchase. During each search task, users’ click behaviour (the number of clicks), cognitive load (the mental effort required to process information) and visual attention were measured.

    We used pupillometry — measuring pupil size and reactivity — and analyzed screen recordings to track these metrics. After completing each task, participants shared their perceptions through questionnaires.

    Through this experimental approach, we were able to achieve two goals. First, we determined whether AI-generated overviews in search results significantly impact user perceptions of the relevance, usefulness and satisfaction with search results.

    Second, we observed whether such generative AI summaries significantly impacted user behaviour in terms of the number of clicks on links appearing in the search results. This provided insight into the potential impact generative AI summaries might have on organic search traffic.

    What did we find?

    The results of our study suggest that the presence of AI-generated overviews has no significant impact on user perceptions of relevance, usefulness and satisfaction with search results. There was also no significant impact on the clickthrough rate — the ratio of clicks on a link — on links in the search results.

    The presence of AI Overviews did not significantly reduce the users’ interaction with Google’s classic list of suggested pages. While this finding indicates AI Overviews might not lead to an immediate or significant shift in website traffic, it’s important to note that user interactions could evolve over time as people become more familiar with this new feature.

    As such, the competition among the market leaders operating in the online search space will likely continue to intensify. For example, earlier this month, Google rolled out a new feature called AI mode that delivers additional AI-generated results for some users.

    Tech giants like Google and Microsoft will continue to vie for dominance in the market, aiming to create more engaging, higher-value search experiences for their online users.

    Co-researchers Alexander J. Karran, Thadde Rolon-Merette, Eugene Yuzan Guo, Fabien Poivré and Mehdi Benbousta co-authored this article.

    Sylvain Senecal receives funding from Ivado, Prompt, and Natural Sciences and Engineering Research Council of Canada.

    Constantinos K. Coursaris receives funding from Ivado, Prompt, and Natural Sciences and Engineering Research Council of Canada.

    Pierre-Majorique Léger receives funding from IVADO, Prompt, and Natural Sciences and Engineering Research Council of Canada.

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

    ref. Google’s AI-generated search feature hasn’t yet changed how users interact with search results – https://theconversation.com/googles-ai-generated-search-feature-hasnt-yet-changed-how-users-interact-with-search-results-244607

    MIL OSI – Global Reports

  • MIL-OSI Canada: Collaborating on overdue oil and gas taxes

    Source: Government of Canada regional news (2)

    MIL OSI Canada News

  • MIL-OSI USA: Chairman Wicker Statement on President Trump’s Next Generation Air Dominance Fighter/F-47 Decision

    US Senate News:

    Source: United States Senator for Mississippi Roger Wicker
    WASHINGTON – U.S. Senator Roger Wicker, R-Miss., the Chairman of the Senate Armed Services Committee, today reacted to President Trump’s White House announcement that the Next Generation Air Dominance (NGAD) sixth-generation fighter, now known as the F-47, will commence production under the aerospace company Boeing:
    “Today is a great day for American airpower, and an even better day for peace and prosperity. I am delighted that President Trump has made the decision to move forward on NGAD/F-47, and I congratulate the Boeing Company. The NGAD/F-47 is a vital platform that would allow the United States to rule the skies for years to come,” Chairman Wicker said. “The new F-47 is a fine first step in a broader effort to revitalize peace through strength. I now look forward to working with President Trump on a massive scale-up of Collaborative Combat Aircraft, supercharging B-21 bomber production, and a broad revitalization of the defense industrial base.”
    Chairman Wicker has long championed the NGAD/F-47 program. His May 2024 “Peace Through Strength” report calls for a major investment in national defense, adding that progress in funding the Collaborative Combat Aircraft should not come at the expense of NGAD/F-47. In October 2024, Chairman Wicker visited the Boeing facility in St. Louis, which will be primarily responsible for NGAD/F-47 production. Also in October, Wicker and Sen. Eric Schmitt, R-Mo., published an op-ed in the Wall Street Journal, which argued for rapid Air Force platform modernization, starting with NGAD/F-47. 

    MIL OSI USA News

  • MIL-OSI Australia: Canberra nights get even brighter

    Source: Northern Territory Police and Fire Services

    The changes encourage local businesses to play a more active role in Canberra’s nightlife.

    The ACT Government has introduced reforms to improve Canberra’s night-time economy. The changes will help create a more vibrant artistic and cultural scene.

    These reforms aim to help local licensed businesses to play a more active role in the city’s nightlife.

    Changes that began on 2 July 2024 include:

    • Supporting new businesses to begin trade as soon as possible. New businesses can now trade under an interim liquor license. This is possible where there is a delay on issuing the license because of the suitability of the premises. However, the Commissioner must be satisfied that the premises can still safely offer alcohol.
    • Supporting businesses to showcase Canberra’s artistic and cultural expression. License fees have been reduced by 80 per cent for some venues. This includes those with an occupancy of 150 people or less that showcase artists, musicians and other cultural activities.
    • Extending business trading hours to celebrate one-off special events. Where the Head of Access Canberra declares a special event, businesses will have greater flexibility. They will be able to extend their trading hours and celebrate events such as sports finals or holiday celebrations.
    • Providing 10 free authorisations for businesses to temporarily extend their trading hours and/or amend their floor plans. This will save liquor licensees time and money when temporarily extending their trading hours and/or changing the floor plan of a licensed premises. They will not have to move to a higher annual fee category or pay an application fee to get an authorisation. This amendment will allow for 10 authorisations in any 12-month period – an increase on the current 6.

    These changes follow the reforms that commenced from 1 January 2024, including:

    • allowing smaller licensed restaurants and cafés to trade until 2am
    • reducing liquor licensing fees for smaller restaurants, cafés, bars and general licences
    • removing the need for general licensed businesses to have separate areas for the sale of liquor for on-premises and off-premises consumption.

    Herbert’s, a small eatery serving local beers and wines in Evatt are excited by the changes. They say they have come just in time for summer.

    “This is an absolute game changer for small local venues like ours,” co-owners Kirstin and Dino Martiniello said.

    “At Herbert’s we proudly host local artists and musicians. We are so pleased that venues like ours are recognised and encouraged to continue this through meaningful and tangible support like fee reductions.”

    The ACT Government is committed to engaging with businesses and the community on noise settings for the City Centre Entertainment Precinct.

    It plans to review how noise complaints are managed. Consultation on this will start soon.

    Access Canberra’s Event Coordination and Business Assist Team is available to help businesses understand opportunities and flexibility under ACT legislation. The Team can give tailored support for individual business needs. Find out more about the Team.


    Get ACT news and events delivered straight to your inbox, sign up to our email newsletter:


    MIL OSI News

  • MIL-OSI: Asimily Earns 5-Star Rating in CRN® Partner Program Guide and Channel Chief Recognition

    Source: GlobeNewswire (MIL-OSI)

    SUNNYVALE, Calif., March 24, 2025 (GLOBE NEWSWIRE) — Asimily, a leading provider of IoT, OT, and IoMT security solutions, today announced significant channel achievements that include a 5-Star rating in CRN’s 2025 Partner Program Guide, the recognition of Wayne Hollinshead as a CRN Channel Chief EMEA, and the expansion of key strategic partnerships across multiple industries.

    Asimily Earns 5-Star Rating from CRN

    Asimily’s channel program—Launch—has received a 5-star rating by CRN®, a brand of The Channel Company, in the 2025 CRN Partner Program Guide. CRN’s annual guide is an essential resource for solution providers seeking vendor partner programs that match their business goals and deliver high partner value. The 5-Star Award is an elite recognition given to companies that have built their partner programs on the key elements needed to nurture lasting, profitable, and successful channel partnerships.

    Asimily’s program is built around a comprehensive channel approach that accommodates various partner roles, including resellers, managed service providers, and systems integrators. Launch excels by offering strong profit opportunities, comprehensive training, and robust support resources that help partners generate revenue quickly. Additionally, Launch simplifies partner engagement through streamlined processes and easy-to-use operational frameworks.

    “We’re honored to receive the 5-star rating in CRN’s Partner Program Guide, further validating our commitment to building a program that delivers lasting value to our partners,” said Shankar Somasundaram, CEO, Asimily. “Launch was designed from the ground up to simplify partner engagement while providing the resources needed to succeed in the complex IoT/OT security market. This recognition reflects the investments we’ve made in our channel infrastructure and our dedication to partner success.”

    Wayne Hollinshead Named CRN Channel Chief EMEA

    Wayne Hollinshead, RoW Channel Director at Asimily, has been recognized as a 2025 CRN Channel Chief EMEA. In the past year, Hollinshead has helped architect and implement an effective two-tier channel distribution model for Asimily. He established simple yet powerful operational structures, creating frameworks that internal teams and external partners could easily execute, laying the foundation for Asimily’s channel growth in EMEA and APAC regions.

    “This recognition reflects our team’s commitment to developing strong partnerships tailored to each organization’s unique market needs,” said Hollinshead. “By creating customized go-to-market strategies rather than using one-size-fits-all approaches, we’re building meaningful relationships with our partners that drive mutual success.”

    Strategic Partnership Growth

    Asimily continues to expand its channel ecosystem with new partnerships across industries, successfully recruiting strategic partners in competitive markets. Recent additions to Asimily’s partner network include:

    • Carahsoft: As Asimily’s Master Government Aggregator, Carahsoft is making Asimily’s IoT/OT solution available to the public sector through its reseller partners and NASA Solutions for Enterprise-Wide Procurement (SEWP) V and National Association of State Procurement Officials (NASPO) ValuePoint contracts.
    • Blood Centers of America: The partnership makes Asimily’s comprehensive lab, medical device, and IoT security and risk management platform directly available to all BCA members, enabling blood centers to protect their critical connected equipment and sensitive data.

    “Asimily’s new partnerships, such as those with Carahsoft and BCA, represent our commitment to empowering partners across multiple sectors,” said Somasundaram. “Our channel-first approach ensures that organizations in healthcare, government, critical infrastructure, and other industries can access our award-winning security solutions through trusted partners who understand their unique challenges.”

    Asimily’s channel momentum comes amid continued recognition for the company’s innovative approach to IoT/OT security and risk management. The company was recently named the 11th fastest-growing cybersecurity company in North America in the Deloitte Fast 500, with 514% growth driven by strong market demand for IoT, IoMT, and Industrial IoT/OT device security.

    About Asimily

    Asimily is a leading provider of IoT, OT, and IoMT security solutions that provide inventory, visibility, and risk analysis on all connected devices. The company’s platform helps organizations identify and prioritize vulnerabilities with the highest likelihood of being exploited, enabling efficient risk mitigation across healthcare, industrial, and enterprise environments. Asimily’s comprehensive solution combines vulnerability mitigation, visibility, threat detection/incident response, and risk modeling in a single platform. For more information, visit www.asimily.com.

    About The Channel Company

    The Channel Company (TCC) is the global leader in channel growth for the world’s top technology brands. We accelerate success across strategic channels for tech vendors, solution providers, and end users with premier media brands, integrated marketing and event services, strategic consulting, and exclusive market and audience insights. TCC is a portfolio company of investment funds managed by EagleTree Capital, a New York City-based private equity firm. For more information, visit thechannelco.com.

    Follow The Channel Company: X, LinkedIn and Facebook.

    © 2025 The Channel Company, Inc. CRN is a registered trademark of The Channel Company, Inc. All rights reserved.

    Asimily Contact
    Kyle Peterson
    kyle@clementpeterson.com

    A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/cfe9e39b-c87b-482b-a895-4167ddf45d59

    The MIL Network

  • MIL-OSI: Brompton Funds Declares Distribution

    Source: GlobeNewswire (MIL-OSI)

    TORONTO, March 24, 2025 (GLOBE NEWSWIRE) — (TSX: CLSA) Brompton Funds announces a distribution in the amount of Cdn$0.10 per unit to unitholders of Brompton Split Corp. Class A Share ETF for the following record date:

    Record Date Payment Date
    March 31, 2025 April 14, 2025

    The current monthly distribution represents an annualized distribution of 12% based on the initial issue price of $10.00.

    About Brompton Funds
    Founded in 2000, Brompton is an experienced investment fund manager with income and growth focused investment solutions including TSX traded closed-end funds and exchange-traded funds. For further information, please contact your investment advisor, call Brompton’s investor relations line at 416-642-6000 (toll-free at 1-866-642-6001), email info@bromptongroup.com or visit our website at www.bromptongroup.com.

    Commissions, management fees and expenses all may be associated with exchange-traded fund investments.  Please read the prospectus before investing. Exchange-traded funds are not guaranteed, their values change frequently and past performance may not be repeated.

    Certain statements contained in this news release constitute forward-looking information within the meaning of Canadian securities laws. Forward-looking information may relate to matters disclosed in this press release and to other matters identified in public filings relating to the fund, to the future outlook of the fund and anticipated events or results and may include statements regarding the future financial performance of the fund. In some cases, forward-looking information can be identified by terms such as “may”, “will”, “should”, “expect”, “plan”, “anticipate”, “believe”, “intend”, “estimate”, “predict”, “potential”, “continue” or other similar expressions concerning matters that are not historical facts. Actual results may vary from such forward-looking information. Investors should not place undue reliance on forward-looking statements. These forward-looking statements are made as of the date hereof and we assume no obligation to update or revise them to reflect new events or circumstances.

    The MIL Network

  • MIL-OSI USA: SBA Relief Still Available to Chickasaw Nation Private Nonprofits Affected by March Storms

    Source: United States Small Business Administration

    SACRAMENTO, Calif. – The U.S. Small Business Administration (SBA) is reminding eligible private nonprofit (PNP) organizations in the Chickasaw Nation of the April 23, 2025, deadline to apply for low interest federal disaster loans to offset economic losses caused by the severe storms occurring March 14–15, 2024.

    The disaster declaration covers the Chickasaw Nation.

    Under this declaration, SBA’s Economic Injury Disaster Loan (EIDL) program is available to PNPs providing non-critical services of a governmental nature who suffered financial losses directly related to the disaster. Examples of eligible non-critical PNPs include, but are not limited to, food kitchens, homeless shelters, museums, libraries, community centers, schools and colleges.

    EIDLs are available for working capital needs caused by the disaster and are available even if the PNP did not suffer any physical damage. The loans may be used to pay fixed debts, payroll, accounts payable and other bills not paid due to the disaster.

    “SBA loans help eligible small businesses and private nonprofits cover operating expenses after a disaster, which is crucial for their recovery,” said Chris Stallings, associate administrator of the Office of Disaster Recovery and Resilience at the SBA. “These loans not only help business owners get back on their feet but also play a key role in sustaining local economies in the aftermath of a disaster.”

    The loan amount can be up to $2 million with interest rates as low as 3.25% and terms up to 30 years. Interest does not accrue, and payments are not due, until 12 months from the date of the first loan disbursement. The SBA sets loan amounts and terms based on each applicant’s financial condition.

    The SBA encourages applicants to submit their loan applications promptly. Applications will be prioritized in the order they are received, and the SBA remains committed to processing them as efficiently as possible.

    To apply online, visit sba.gov/disaster. Applicants may also call SBA’s Customer Service Center at (800) 659-2955 or email disastercustomerservice@sba.gov for more information on SBA disaster assistance. For people who are deaf, hard of hearing, or have a speech disability, please dial 7-1-1 to access telecommunications relay services.

    Submit completed loan applications to SBA no later than April 23.

    ###

    About the U.S. Small Business Administration

    The U.S. Small Business Administration helps power the American dream of business ownership. As the only go-to resource and voice for small businesses backed by the strength of the federal government, the SBA empowers entrepreneurs and small business owners with the resources and support they need to start, grow, expand their businesses, or recover from a declared disaster. It delivers services through an extensive network of SBA field offices and partnerships with public and private organizations. To learn more, visit www.sba.gov.

    MIL OSI USA News

  • MIL-OSI USA: SBA Relief Still Available to Missouri Private Nonprofits Affected by May Storms

    Source: United States Small Business Administration

    SACRAMENTO, Calif. – The U.S. Small Business Administration (SBA) is reminding eligible private nonprofit (PNP) organizations in Missouri of the April 23, 2025, deadline to apply for low interest federal disaster loans to offset economic losses caused by severe storms, straight-line winds, tornadoes and flooding occurring May 19 – 27, 2024.

    The disaster declaration covers the counties of Barry, Bollinger, Butler, Carter, Howell, Madison, McDonald, New Madrid, Oregon, Reynolds, Ripley, Scott, Shannon, Stoddard and Texas.

    Under this declaration, SBA’s Economic Injury Disaster Loan (EIDL) program is available to PNPs providing non-critical services of a governmental nature who suffered financial losses directly related to the disaster. Examples of eligible non-critical PNPs include, but are not limited to, food kitchens, homeless shelters, museums, libraries, community centers, schools and colleges.

    EIDLs are available for working capital needs caused by the disaster and are available even if the PNP did not suffer any physical damage. The loans may be used to pay fixed debts, payroll, accounts payable and other bills not paid due to the disaster.

    “SBA loans help eligible small businesses and private nonprofits cover operating expenses after a disaster, which is crucial for their recovery,” said Chris Stallings, associate administrator of the Office of Disaster Recovery and Resilience at the SBA. “These loans not only help business owners get back on their feet but also play a key role in sustaining local economies in the aftermath of a disaster.”

    The loan amount can be up to $2 million with interest rates as low as 3.25% and terms up to 30 years. Interest does not accrue, and payments are not due, until 12 months from the date of the first loan disbursement. The SBA sets loan amounts and terms based on each applicant’s financial condition.

    The SBA encourages applicants to submit their loan applications promptly. Applications will be prioritized in the order they are received, and the SBA remains committed to processing them as efficiently as possible.

    To apply online, visit sba.gov/disaster. Applicants may also call SBA’s Customer Service Center at (800) 659-2955 or email disastercustomerservice@sba.gov for more information on SBA disaster assistance. For people who are deaf, hard of hearing, or have a speech disability, please dial 7-1-1 to access telecommunications relay services.

    Submit completed loan applications to the SBA no later than April 23.

    ###

    About the U.S. Small Business Administration

    The U.S. Small Business Administration helps power the American dream of business ownership. As the only go-to resource and voice for small businesses backed by the strength of the federal government, the SBA empowers entrepreneurs and small business owners with the resources and support they need to start, grow, expand their businesses, or recover from a declared disaster. It delivers services through an extensive network of SBA field offices and partnerships with public and private organizations. To learn more, visit www.sba.gov.

    MIL OSI USA News

  • MIL-OSI USA: SBA Relief Still Available to Missouri Small Businesses and Private Nonprofits Affected by May Storms

    Source: United States Small Business Administration

    SACRAMENTO, Calif. – The U.S. Small Business Administration (SBA) is reminding eligible small businesses and private nonprofit (PNP) organizations in Missouri of the April 23, 2025, deadline to apply for low interest federal disaster loans to offset economic losses caused by the severe storms, straight-line winds, tornadoes and flooding occurring May 19–27, 2024.

    The disaster declaration covers the counties of Barry, Bollinger, Butler, Cape Girardeau, Carter, Dent, Douglas, Dunklin, Howell, Laclede, Lawrence, McDonald, Mississippi, New Madrid, Newton, Oregon, Ozark, Pemiscot, Phelps, Pulaski, Reynolds, Ripley, Scott, Shannon, Stoddard, Stone, Texas, Wayne and Wright in Missouri, as well as Benton, Clay, Carroll, Fulton and Randolph counties in Arkansas, Alexander County in Illinois, Fulton County in Kentucky, and Lake County in Tennessee.

    Under this declaration, SBA’s Economic Injury Disaster Loan (EIDL) program is available to small businesses, small agricultural cooperatives, nurseries, and PNPs with financial losses directly related to the disaster. The SBA is unable to provide disaster loans to agricultural producers, farmers, or ranchers, except for small aquaculture enterprises.

    “SBA loans help eligible small businesses and private nonprofits cover operating expenses after a disaster, which is crucial for their recovery,” said Chris Stallings, associate administrator of the Office of Disaster Recovery and Resilience at the SBA. “These loans not only help business owners get back on their feet but also play a key role in sustaining local economies in the aftermath of a disaster.”

    EIDLs are available for working capital needs caused by the disaster and are available even if the business or PNP did not suffer any physical damage. The loans may be used to pay fixed debts, payroll, accounts payable, and other bills not paid due to the disaster.

    The loan amount can be up to $2 million with interest rates as low as 4% for businesses and 3.25% for PNPs, with terms up to 30 years. Interest does not accrue, and payments are not due, until 12 months from the date of the first loan disbursement. The SBA sets loan amounts and terms based on each applicant’s financial condition.

    To apply online, visit sba.gov/disaster. Applicants may also call SBA’s Customer Service Center at (800) 659-2955 or email disastercustomerservice@sba.gov for more information on SBA disaster assistance. For people who are deaf, hard of hearing, or have a speech disability, please dial 7-1-1 to access telecommunications relay services

    Submit completed loan applications to SBA no later than April 23.

    ###

    About the U.S. Small Business Administration

    The U.S. Small Business Administration helps power the American dream of business ownership. As the only go-to resource and voice for small businesses backed by the strength of the federal government, the SBA empowers entrepreneurs and small business owners with the resources and support they need to start, grow, expand their businesses, or recover from a declared disaster. It delivers services through an extensive network of SBA field offices and partnerships with public and private organizations. To learn more, visit www.sba.gov.

    MIL OSI USA News

  • MIL-OSI Security: Cuban National Sentenced To Over Five Years In $7.6 Million Medicare Fraud Scheme

    Source: Office of United States Attorneys

    Fort Myers, FL – United States District Judge Thomas P. Barber has sentenced Fernando Espinosa Leon (60) to 5 years and 10 months in federal prison for health care fraud and aggravated identity theft. Espinosa Leon was also ordered to forfeit $4,013,148.76, the proceeds of his offenses. Espinosa Leon pleaded guilty on December 6, 2024.

    According to court documents, Espinosa Leon engaged in a scheme to defraud Medicare using his company, Global Medical Supply Inc. To carry out the scheme, stole the personally identifiable information of Medicare beneficiaries and medical practitioners. Espinosa Leon fraudulently billed Medicare for durable medical equipment that he falsely claimed had been prescribed and supplied. From June 2020 through September 2020, Espinosa Leon utilized the services of a third-party biller and fraudulently submitted for billing more than $7.6 million in claims for reimbursement. As a result, over $4 million in fraudulently obtained Medicare fraud proceeds were deposited into a bank account that Espinosa Leon managed and controlled.

    This case was investigated by the U.S. Department of Health and Human Services – Office of Inspector General and the U.S. Marshals Service. It was prosecuted by Assistant United States Attorney Patrick L. Darcey.

    MIL Security OSI

  • MIL-OSI: Havila Shipping ASA:Allegation from lenders of default of the restructuring agreement

    Source: GlobeNewswire (MIL-OSI)

    Reference is made to the stock exchange announcement on 21 January 2025, informing about allegations from lenders that there is a breach of the company’s restructuring agreement from 2020.
    The company disputes the allegations and is of the opinion that there is no form of breach.
    The company seeks a final resolution and has therefore today filed a lawsuit with the Oslo District Court.

    Contacts:
    Chief Executive Officer Njål Sævik, +47 909 35 722
    Chief Financial Officer Arne Johan Dale, +47 909 87 706

    This information is subject to the disclosure requirements pursuant to Section 5-12 the Norwegian Securities Trading Act

    The MIL Network

  • MIL-OSI Economics: Microsoft at 50: The journey and future of the partner ecosystem

    Source: Microsoft

    Headline: Microsoft at 50: The journey and future of the partner ecosystem

    As we celebrate Microsoft’s 50th anniversary, our annual State of the Partner Ecosystem moment is a great opportunity to reflect on the incredible journey we’ve shared with our partners, employees and customers. Together, we’ve harnessed technology as a force for good, transforming industries and communities. From our early days of revolutionizing personal computing to leading the way in cloud innovation and now AI, our shared milestones highlight the power of collaboration and reinvention.

    Fifty years ago, Microsoft started with a bold idea: the belief that technology could change the world. Thanks to the largest partner ecosystem in the industry, numbering 500,000 and growing, that vision became a reality, and I know we are just getting started. From the early days of distributing Windows PCs and Office to now delivering AI transformation strategies that solve the most complex customer challenges, our ability to stay at the forefront of innovation as technology evolves is a testament to our culture of continuous reinvention.

    According to IDC, for every $1 of Microsoft revenue, services partners earn $8.45, and software partners earn $10.93. This underscores the immense opportunity available to partners of all types. As we look ahead to the future, we know that generative AI (GenAI) is forecast to grow exponentially faster than the overall IT market. Partners generating at least 25% of their Microsoft-related revenue from AI can expect higher margins and revenue growth, unlocking even more potential for transformation and success.*

    Microsoft has always been a partner-led company. Our partners are core to our heritage and our future. Their innovation and collaboration have driven real transformation and customer success and will continue to shape the future of industries around the world. As we commemorate this historic moment, I want to take the opportunity to say Thank You to our partners for being on this incredible journey with us.

    Here are just a few ways you can join us to celebrate this milestone:

    • Watch this video from Judson Althoff, Executive Vice President and Chief Commercial Officer, Microsoft.
    • Join the Microsoft AI Skills Fest for 50 days of learning and discovery starting April 8! Gain skills that will empower you and your team to build innovative AI solutions with Microsoft’s apps and services.

    “For decades, Intel’s partnership with Microsoft has sparked innovation and delivered value to our customers. Together, we’ve revolutionized industries and established new benchmarks for excellence. We look forward to collaborating for the next 50 years — and beyond.”

    — Jim Johnson, Senior Vice President, Client Computing Group, Intel

    Preparing for the future with the Microsoft AI Cloud Partner Program (MAICPP)

    Microsoft succeeds when our partners succeed. MAICPP has evolved to enable partners worldwide to deliver customer outcomes across every industry, from small businesses to the largest enterprises. Our program is designed to provide our partners with the most relevant tools and resources they need to thrive in a rapidly changing market, and it serves as the home for all partner types.

    As a proud Microsoft alum, I’ve seen firsthand how our collaboration has evolved to drive meaningful change for businesses across industries. From strategy through engineering and implementation, PwC and Microsoft drive innovation and deliver real business outcomes for clients worldwide.”

    — Stephanie Mosticchio, Principal, US and Global Microsoft Alliance Leader, PwC

    Through MAICPP, all partners can access updated benefits packages designed to accelerate growth and meet specific business needs. Software development companies are encouraged to explore ISV Success, a pathway offering additional benefits to expand development capabilities and shorten time to market. Whether building, publishing or growing sales, partners can leverage targeted offers to get the support they need.

    “As someone who has led global partnerships at several of the world’s leading technology companies, I am impressed by how Microsoft has leaned in with their partner ecosystem and taken a leadership position in cloud computing and AI. We, at Snowflake, are excited to continue to strengthen our partnership in the years to come, and we look forward to jointly driving customer success in the age of enterprise AI. Congratulations!

    — Tyler Prince, Senior Vice President of Worldwide Alliances & Channels, Snowflake

    Depending on business goals, partners may pursue a Solutions Partner designation or specialization, both of which provide tailored benefits to help differentiate their business in a competitive market. Achieving a designation unlocks valuable go-to-market resources, sales support, new incentives and product benefits to help expand customer reach, sharpen skills and drive growth. For software development companies, becoming a Solutions Partner** with certified software*** further enhances market presence by validating software capabilities in high-demand areas.

    “Having worked alongside every CEO of Microsoft in my career, I would like to personally congratulate Microsoft for its 50 extraordinary years of driving relentless innovation.”

    “Lenovo is proud to be a major part of this amazing journey with Microsoft and we are committed to this partnership for many more decades to come.”

    — Yuanqing Yang, Chairman and Chief Executive Officer, Lenovo

    For partners holding an Azure designation or Azure specialization, additional incentives are available through Azure Migrate and Modernize and Azure Innovate — both underpinned by Azure Essentials. With comprehensive resources, extensive coverage across scenarios and tailored incentives in one easy-to-navigate hub, Azure partners can better support customers from migration to innovation. Learn more in What’s new for Azure partner-led offerings: ISV Success and specialization updates.

    Our program offers benefits for partners aligned to their growth stage and across all customer segments. We have recently made the process of obtaining an Azure Solutions Partner designation more aligned to our partners who specialize in working with small and midsize customers. We are also expanding access to Azure Migrate and Modernize and Azure Innovate incentives for SMB pathways. Read more about the SMB path to Azure Solutions Partner designations.

    Cloud Solution Provider is our partner hero motion for small and medium enterprises

    In November at Microsoft Ignite, we highlighted the $661 billion total addressable market (TAM) opportunity for SME&C customers in FY25 and beyond. Cloud Solution Provider (CSP) partners are the trusted advisors who serve these customers and accelerate their AI transformation with the value-added services and solutions that create real business impact. CSP is our hero motion that enables those partners to drive this business transformation.

    “Our Microsoft partnership has evolved to meet the needs of our business and our partners. Together we’ve been able to support our partners to deliver true solution and value selling, leveraging the robust resources available through Microsoft AI Cloud Partner Program and benefitting from the rich incentives. It has enabled us to drive innovation and deliver exceptional experiences for our partners through our ArrowSphere platform and broader enablement programs to ensure they’re empowered to deliver real customer outcomes. Together, we’re enabling the channel to deliver solutions that deliver real impact for customers around the world.”

    — Brendan Murphy, Global Director, Public Cloud, Arrow Electronics

    We strive to provide CSP partners with the skilling, capabilities and investments to make this opportunity a reality. So far in FY25, we have:

    • focused our incentives to clearly align to our five strategic priorities — Copilot on every device across every role, AI design wins with every customer, securing the cyber foundation of every customer, a focus on migrations and Microsoft 365 execution
    • dedicated 70% of our total incentive spend to partners that serve the Small and Medium Enterprise and Customer (SME&C) segment
    • introduced a series of new promos, including a new-to-Microsoft 365 E5 offer to enable CSP partners to win new customers

    Expanding our portfolio of CSP offers and capabilities is an ongoing priority. We share updates as they become available.

    Capturing the marketplace opportunity

    As customers increasingly centralize their solution procurement, marketplaces have become the preferred buying platform. For software companies, adopting cloud marketplaces accelerates deal closure and increases deal sizes. Serving as a global B2B commerce engine, our marketplace empowers Microsoft partners to provide solutions to customers worldwide. It offers various sales models: digital direct, through partners or with Microsoft — providing flexibility to align with how customers want to buy and how partners want to sell. Learn more in this recent blog.

    Unlocking success through skilling and events

    The speed of technology innovation requires continuous learning. To support this, we offer our partners a variety of skilling opportunities, such as our popular in-person Microsoft AI Partner Training Days, designed to help partners develop both technical and sales capabilities.

    We are also streamlining and simplifying our skilling portals through initiatives like Microsoft Sales Titan (currently in private preview for CSP Accelerate partners and available for all partners in summer 2025), a program tailored to equip sales professionals with in-depth knowledge of Microsoft Threat Protection SKUs, empowering them to position themselves as industry leaders. Discover these and other skilling opportunities.

    Looking ahead, we invite our partners to join us at Microsoft Build, taking place May 19–22, 2025. This flagship event offers an exclusive opportunity to explore the latest advancements in AI, learn how to work smarter and elevate your projects. Connect with peers, industry experts and Microsoft leadership while diving into the code and innovations that will shape the future.

    “Schneider Electric and Microsoft have been driven by a shared vision of a world that is more electric and digital. We’re thrilled to celebrate Microsoft’s 50th anniversary and excited to continue pioneering innovative solutions together, harnessing the transformative power of AI, pushing the boundaries of what’s possible for our customers and shaping a sustainable future for generations to come.”

    — Frédéric Godemel, Executive Vice President, Energy Management, Schneider Electric

    Looking forward – the next 50 years

    As we celebrate this remarkable milestone, we remain focused on and optimistic for the future. We continue to innovate, collaborate and empower our partners to thrive in the era of AI and beyond. The past 50 years have been defined by shared success, and this will continue for our future. Together, we will unlock new opportunities, drive transformation and shape the future of technology.

    Throughout this journey, stories of innovation have inspired us. A few examples of how partners are celebrating our 50th anniversary are included in this blog. See the full list of partner quotes on the Microsoft 50th Anniversary celebration site.

    Thank you for being an integral part of our story. We can’t wait to see what we’ll accomplish together next!

    *IDC: Microsoft Partners: Driving Economic Value and AI Maturity

     **“Solutions Partner” refers to a company that is a member of the Microsoft AI Cloud Partner Program and may offer software, services, and/or solutions to customers. Reference to “Solutions Partner” in any content, materials, resources, web properties, etc. and any associated designation should be not interpreted as an offer, endorsement, guarantee, proof of effectiveness or functionality, a commitment or any other type of representation or warranty on the part of Microsoft. All decisions pertaining to and related to your business needs including but not limited to strategies, solutions, partner selection, implementation, etc. rest solely with your business. 

     ***A certification is (A) specific to the solution’s interoperability with Microsoft products and (B) based on self-attestation by the solution owner. Solutions are only certified as of the date the solution is reviewed. Solution functionality and capability are controlled by the solution owner and may be subject to change. The inclusion of a solution in marketplace and any such designations should not be interpreted as an offer, endorsement, guarantee, proof of effectiveness or functionality, a commitment or any other type of representation or warranty on the part of Microsoft. All decisions pertaining and related to your business needs including but not limited to strategies, solutions, partner selection, implementation, etc. rest solely with your business.

    Tags: AI, Azure, Build, Ignite, Microsoft AI Cloud Partner Program, Microsoft AI Partner Training Days, Microsoft AI Skills Fest, Microsoft Partners

    MIL OSI Economics

  • MIL-OSI Global: How eating undercooked pork could leave your body and brain riddled with tapeworm larvae

    Source: The Conversation – UK – By Adam Taylor, Professor of Anatomy, Lancaster University

    Pork tapeworm taenia solium D. Kucharski K. Kucharska/Shutterstock

    Eating undercooked meat is never a good idea – it can give you a nasty case of food poisoning within 24 hours. And there are other, longer-term risks to be wary of too.

    Spare a thought for the patient who attended a Florida hospital to be X-rayed following a fall – only to discover he was riddled with parasitic eggs that had turned into thousands of cysts inside his body.

    Sam Ghali, an urgent care doctor from the University of Florida, recently shared an image of the X-ray on social media, explaining that the patient had developed the condition after eating undercooked pork infected with tapeworm larvae.

    Pork can carry taenia solium larvae, a parasitic tapeworm. After eating infected pork, the larvae get into body tissues where they form cysts – a condition called cysticercosis. The larvae can travel anywhere in the body including muscles, liver, lungs and kidneys before decaying, which can lead to infections.

    While in many tissues the larvae may develop undetected, in the skin or muscles noticeable bulges may appear.

    Cysticercosis can be diagnosed through a variety of tests, including imaging, blood tests and potentially a lumbar puncture to look at cerebrospinal fluid.

    Parasites on the brain

    If you’re particularly unlucky, larvae cysts could travel to the brain, leading to neurocysticercosisa main cause of acquired epilepsy worldwide.

    On entry to the body, the parasite is in “immunologic equilibrium” with its host – meaning that it suppresses the body’s various immune responses and causes only minimal, if any, tissue inflammation. Eventually, though, neurocysticercosis can cause worrying symptoms including severe headaches, blindness, convulsions and epileptic seizures.

    In the final stage of the disease, the cysts degenerate and die, leaving a small calcified scar behind. This remnant often invokes an immune response in the body which can further increase calcification – the buildup of calcium deposits in body tissues. Calcified brain scars can contribute to symptoms including seizures long after the cyst has degenerated.

    Robert F. Kennedy Jr’s claim in his 2012 divorce deposition that previous health issues were “caused by a worm that got into my brain and ate a portion of it and then died” is a now notorious example of possible neurocysticercosis.

    RFK Jr. also described the effects of the parasite in his deposition: “I have cognitive problems, clearly. I have short-term memory loss, and I have longer-term memory loss that affects me.”




    Read more:
    Did a worm really eat part of Robert F. Kennedy Jr.’s brain?


    Wash your hands

    Intestinal infection by an adult tapeworm is called taeniasis. In humans, although the tapeworm can cause an upset stomach, it can also be asymptomatic – apart from rice grain-sized eggs in the faeces.

    There are three tapeworms that can lead to taeniasis: taenia saginata, taenia solium and taenia asiatica. Taenia saginata is transmitted by cattle whereas taenia solium and taenia asiatica are transmitted by pigs. Once in the intestines, these tapeworms continue to grow. After approximately four months, they release hundreds of proglottids (fertilised eggs) into the host’s gastrointestinal tract. These proglottids are expelled from body in faeces but are instantly infectious.

    As well as eating infected meat, humans can be infected by drinking contaminated water – or by infected people not washing hands their after going to the toilet and then preparing food.

    How to kill a tapeworm

    Anthelmintic drugs, including praziquantel and niclosamide, either kill or paralyse the tapeworm, making it easier for the body to expel it through faeces.

    But some studies report that approximately 38% of cysts calcify after taking anthelmintic drugs, worsening symptoms. Anti-inflammatory drugs may be used to treat neurocysticercosis cases, to prevent additional calcification occurring as part of the inflammatory response.

    In developing regions of the world, or where some of these drugs are not licensed or less accessible, more traditional remedies may be used to kill tapeworms or expel them from the body, while preventing infectious proglottids from being released. Studies show that eating a combination of pumpkin seeds and areca nuts allowed almost 80% of people with intestinal tapeworms to pass them whole.

    To avoid contracting a tapeworm or cysticercosis, observe basic hygiene measures such as regular hand washing. Also wash and peel your vegetables in clean water before eating them.

    If seeing the effects of cysticercosis hasn’t put you off pork for good, avoid the risk of infection by ensuring your pork is properly cooked to at least 80°C for ten minutes to kill all tapeworm eggs. Lower temperatures work too, but require longer cooking times. Of course, cooking meat thoroughly like this should also help you avoid any nasty cases of food poisoning.

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

    ref. How eating undercooked pork could leave your body and brain riddled with tapeworm larvae – https://theconversation.com/how-eating-undercooked-pork-could-leave-your-body-and-brain-riddled-with-tapeworm-larvae-250840

    MIL OSI – Global Reports

  • MIL-OSI Global: Flight chaos, stranded passengers and lost profits: how airlines manage crises like the Heathrow shutdown

    Source: The Conversation – UK – By Guglielmo Lulli, Professor in Network Analytics, Lancaster University

    EQRoy/Shutterstock

    In 2024, Heathrow was the busiest airport in Europe by passenger numbers and the fourth busiest worldwide. Nearly 84 million passengers passed through its five terminals during the year. These figures highlight the scale of disruption caused by its recent complete closure after a fire at an electricity substation.

    Airlines with just a limited number of flights to and from Heathrow are likely to have experienced only minimal disruption – something airlines face regularly as part of standard operations. But the impact on airlines that use Heathrow as a main hub will turn out to be severe. For these airlines, which operate on very slim margins, the associated costs can be so high that they may wipe out several months’ worth of profits.

    And this is something airline bosses will have been painfully aware of when news broke of the closure. Their first consideration, however, will have been for safety.

    From an operational perspective, the primary objective in a situation like this is to ensure that all flights already in the air can safely complete their journey, either by landing at an alternate airport or returning to their departure airport.

    The decision depends on a flight’s position and the amount of fuel the aircraft has left on board. As part of standard procedure all flights have a designated alternate airport – usually chosen based on proximity.

    However, in the specific Heathrow case, the sheer volume of diversions quickly saturated the UK’s diversion capacity, forcing many flights to reroute to airports overseas.

    This challenge was compounded by the nature of Heathrow’s traffic. As a major hub for long-haul flights operated by wide-body aircraft, these planes can only be diverted to large airports capable of handling their size and requirements. For instance, Heathrow is one of the main hubs for the Airbus A380, the largest passenger aircraft in the world. Due to its size, it can operate at only a limited number of airports.

    Although the Heathrow closure came out of the blue, airlines do of course have emergency plans setting out guidelines and procedures for various types of crises, which are regularly updated. Each airline has its own operations control centre, usually within its headquarters, which is responsible for activating and overseeing these plans.

    But in the case of a major crisis or disruptive event, such as when a hub like Heathrow shuts down, the company’s top management along with the heads of its operational departments will hold emergency meetings to enable rapid and effective decision-making.

    Airlines also have dedicated crisis rooms for this purpose. Throughout the crisis, the situation is continuously monitored and decisions are focused on minimising both operational and financial impact.

    Schedules planned months in advance

    Of course, when a disruption of the magnitude of the Heathrow shutdown occurs, the entire airline schedule is thrown into disarray.

    Planning and scheduling airline operations is a complex, lengthy process that begins up to two months before the day of the flight. It involves numerous operational aspects, including aircraft assignment, crew scheduling and maintenance.

    And for legacy air carriers, this process is complicated by the nature of their operations within a global network of often complex connected journeys. These airlines operate a diverse fleet of aircraft with hundreds of connecting flights.

    Pilots are qualified to fly only specific aircraft types, and passengers often travel to a hub such as Heathrow to continue their journey to their final destination. These operations are incredibly intricate, so in the event of a major disruption it becomes necessary to restart the process from scratch. This often leads to numerous flight cancellations.

    Given the high costs involved – including expenses for passenger rebooking and accommodation – each flight must be analysed individually to determine the most appropriate course of action.

    The Heathrow shutdown left hundreds of thousands of passengers stranded or unable to travel. It is a legal priority for the airline to offer them alternative options to reach their destination. Typically, passengers can be rebooked on flights operated by either the same airline or other carriers, or offered hotel accommodation until the next available flight.

    As a “force majeure” incident, airlines are not likely to be liable to pay compensation to passengers in the Heathrow case. But all the other costs quickly mount up for airlines – explaining the expected hit to their profits.

    In the end, Heathrow was up and running at full capacity again far quicker than many observers anticipated. But a shutdown at such a major global transport hub will leave airlines – and other businesses – counting the costs for some time to come.

    Guglielmo Lulli receives funding from Horizon 2020 and Horizon Europe programmes.

    ref. Flight chaos, stranded passengers and lost profits: how airlines manage crises like the Heathrow shutdown – https://theconversation.com/flight-chaos-stranded-passengers-and-lost-profits-how-airlines-manage-crises-like-the-heathrow-shutdown-252936

    MIL OSI – Global Reports

  • MIL-OSI Global: Syria after Assad: why many Syrian refugees aren’t returning home

    Source: The Conversation – UK – By Charlotte Al-Khalili, Leverhulme Early Career Fellow, University of Sussex

    Young boys play volleyball at an NGO centre in Zaatari camp, Jordan, in 2016. Melissa Gatter

    When news of Bashar al-Assad’s downfall broke on December 8 2024, 13 years after the beginning of the Syrian uprising, Syrians around the world rejoiced.

    We rejoiced along with them, having spent the last decade in conversation with Syrians displaced to the neighbouring countries of Jordan, Lebanon and Turkey, where we research humanitarian aid in refugee camps and revolutionaries in exile.

    The days and weeks following Assad’s ousting were spent on the phone with the people we have gotten to know since their lives changed drastically in 2011 – hoping that 2025 would be the turning point in a very long and harrowing odyssey. One of us (Charlotte) also travelled to Syria in January 2025 to see what was happening and speak to people trying to navigate the new reality there.

    “Syrians everywhere, inside Syria and outside Syria, did not ever imagine we would reach this stage,” said Qasim, 42, speaking from his home in Zaatari camp, the world’s third largest refugee camp, in northern Jordan. “No one ever expected that Assad would fall and leave the country.”

    Like the 80,000 others in the desert camp, Qasim has spent the last decade starting his life over again in Jordan. Since fleeing Daraa, in southwest Syria, in 2013, he worked a series of freelance jobs and created a network of clients. He has put food on the table with cash-in-hand work for aid organisations in the camp and offering painting and plastering services outside the camp.

    But in Syria, he said, “There’s no home, there’s no work, there’s nothing.”

    His family of four grew to 11, and his daughters who left Syria as young children have entered their final years of high school.


    The Insights section is committed to high-quality longform journalism. Our editors work with academics from many different backgrounds who are tackling a wide range of societal and scientific challenges.


    Now, with Assad gone seemingly overnight – and the revolution marking its 14th anniversary in March – the dream of returning home or simply the possibility to end a decade of exile is suddenly within reach. But this dream now comes with existential, practical and legal questions. After a decade in exile, how do you uproot yourself and your family yet again? How do you explain the return to the youngest, who have only known life outside Syria? What kind of life waits on the other side of the border?




    Read more:
    Syrians are torn between fear and hope as the frontlines rapidly shift


    Qasim’s family has outgrown the home he left behind. While life in the camp, with its electricity shortages and economic hardships, is nowhere near perfect, Qasim at least manages to get by.

    Returning to Syria also comes at a price – for Qasim’s family of 11, it would cost US$550 just to cross the border – and many Syrians in exile have not been afforded sufficient economic stability to prepare for the costs of return. For many, the return to Syria remains a distant dream they must work to save up for.

    Syria’s critical condition

    What is left of Syria in Assad’s wake will take years of recovery. The International Organization for Migration (IOM) has warned that Syria is not ready to receive returnees. US president Donald Trump imposed a freeze on US-funded foreign aid in January, affecting up to 90% of humanitarian activities in some areas in Syria, according to the UN’s emergency aid coordination office (OCHA). That has created a devastating ripple effect across Syria and neighbouring host countries.

    And yet western powers maintain their sanctions against Syria, where 90% of the population is already living below the poverty line and 70% are in dire need of humanitarian assistance.




    Read more:
    Syria: doubts increase over new regime’s commitment to women’s rights and inclusivity


    Meanwhile, the security situation is still precarious in parts of the country. Things in the northwest have improved since the agreement between the Kurdish-led Syrian Democratic Forces and Damascus’s provisional government, but March was marked by the killing of over a thousand mainly Alawi civilians in the coastal areas after attacks started from Assad loyalists. Israel has expanded its war against Palestine and Lebanon into parts of Syria, even bombing the capital city, as it looks to take advantage of a power vacuum.

    At the start of the new year, 115,000 Syrians had already returned home from Jordan, Lebanon and Turkey. In December, the United Nations High Commissioner for Refugees (UNHCR) expected 1 million Syrians would return by June, but now predicts only 600,000 to return by September.

    Unwelcome guests

    Jordan, Turkey and Lebanon are not signatories of the 1951 refugee convention which means they are not obliged to recognise the displaced Syrians in their country as refugees with internationally-protected rights. The governments of these countries recognise displaced Syrians only as “guests”, but that does not necessarily mean they are welcome.

    “We were not treated as guests in Turkey, people did not want us there,” Umm Ahmad said. She remembered her life in Gaziantep as one of constant humiliation, where she had to beg for assistance and her son was forced to work shifts of over 12-hours at a time in a clothing factory.

    As guests, Syrians face social and legal obstacles in accessing services, education, healthcare, housing and jobs. They are often blamed for waning economies and scarce resources and face xenophobic discrimination as a result. Having to work without protected rights or permissions pushes Syrians like Umm Ahmad’s son to the informal labour market, where they are vulnerable to exploitation and abuse.

    There are over 3 million Syrian refugees in Turkey and their status is uncertain and or illegal because residency documents are hard to obtain and are not consistently delivered in some areas. “Refugee” status is reserved only for European citizens. If Turkey was long considered the most welcoming host country among Syria’s neighbours for its open-border policy and friendly position towards the Syrian opposition, the situation changed dramatically after the EU-Turkey deal led to the border closure in 2016. Syrians in Turkey have increasingly faced deportation since 2019, and there is no clear path to Turkish citizenship.

    Around 1.5 million Syrians live in Lebanon where there is a long history of animosity towards them harking back to Assad’s occupation of Lebanon during the Lebanese civil war. But only 17% of those Syrians have obtained legal residency.

    Umm Ayman, who has lived for ten years in Beirut’s Shatila camp, told us: “I can’t wait to go back to Syria. Our life here has been so hard.” But before she returns she wants “to wait to see how the situation evolves and if it’s safe to go back”.

    Umm Ayman never managed to obtain legal status, which means having to home-school her children, who could not be admitted to the Lebanese school system – another reason she wants to go back. But she is still worried about the developing political situation that had taken her, as it did most Syrians, by surprise. Not knowing how the caretaker government would rule, and with no close relatives or home to return to in Syria, Umm Ayman is hesitant to commit to a final decision until she can visit her hometown of Homs to see the situation for herself.

    In Jordan, where only about 20% of the 1.3 million Syrian refugees are estimated to live in official camps, refugees have felt the decline in international funding directed towards the Syrian crisis in recent years, even before the January US aid freeze. “Recently there’s been scarce aid in the camp,” Qasim said, “so people are only just managing to take care of themselves.” Now, the refugee-run marketplace in Zaatari has grinded to a halt as camp residents save up for the return. As his current job is coming to an end, Qasim is looking for his next one outside Zaatari, “if there is any”.

    People driving through Jordan in January, returning to Syria with their belongings piled on the car.
    Charlotte Al-Khalili

    Outside the camps, Syrians toughing it out in Jordanian cities have even less access to aid. And while the 2016 Jordan compact allowed Syrian refugees access to formal employment, it failed to live up to its potential due to the high prices of work permits and social security contributions.

    Where is home?

    On the other side of the border, however, for millions of people home has been flattened to the ground. So many refugees have nowhere to return to and will need time to save up for rebuilding a house that has been bombed, burned or vandalised.

    Only those with the “money and the means”, as Qasim put it, will be able to return. He calculates that reconstructing and expanding his home to accommodate 11 family members will cost around US$5,000. “I don’t have the money to go back, where am I supposed to go, am I supposed to sleep on the street?” he said.

    Others like Qasim in Zaatari camp spoke about how much money they have already spent on the upkeep of their caravan shelter (often thousands of dollars) suggesting that they might be able to return if they could sell their caravan or even bring it with them to Syria.

    A view of Zaatari camp in Jordan showing how refugees have adapted their ‘caravans’.
    Melissa Gatter

    Maryam, for example, is a schoolteacher living in Zaatari camp with her husband and four-year-old daughter. She explained that the lack of money was the one thing holding them back from the return: “We paid a lot for our caravan, so if someone could take our house in exchange for money, it would help us to go back right away, in a month or less.” But the UNHCR owns the caravans, even those that camp refugees have bought or replaced over years of wear and tear.

    Returning to Syria requires transferring temporary ownership of the caravans back to the UNHCR – losing the years of investments they have made to live comfortably in the harsh desert environment. In Azraq camp, southeast of Zaatari, a woman called Shamsa, who has lived in the camp since 2016, believes that access to basic financial assistance in Syria would facilitate the return:

    If the UNHCR helped give money for each individual in the family for things like groceries – like they do now in the camp – people say they will return … But they can’t just return us when there’s nothing for us there.

    Many people are assessing the state of their homes and hometowns for themselves before committing to a long-term return.




    Read more:
    ‘My home city was destroyed by war but I will not lose hope’ – how modern warfare turns neighbourhoods into battlefields


    For example, Umm Mohammad, a mother of five in her late fifties currently living in Beirut, plans to send her husband and eldest son first. She wants to ensure that conditions are suitable for the return before giving up what they have fought hard to obtain in the last decade in Lebanon. “If they see that we can all join, we will,” she said.

    Work and school

    At the front of many Syrians’ minds is the question of work and school. Many of our interviewees noted that critical economic conditions in Syria mean that work is hard to come by, especially for entrepreneurs like Qasim who rely on a steady presence of customers.

    While the interim Syrian government has attempted to raise the cap on public sector salaries to stimulate the economy, those we spoke to were not optimistic about their prospects. “The economic situation is on the floor,” Shamsa said from Azraq camp.

    Umm Ayman has a low-paying job in Beirut, but her husband, formerly a doctor in Syria, is not allowed to work in Lebanon and can only receive a few patients off the books. Adding to their anticipated costs in Syria is the difficulty of integrating into the job market as her husband approaches retirement age. “He will need to open a practice or find one, and we don’t have this kind of money,” she said.

    A plot of empty caravans in Azraq camp’s ‘Village 5’ which has been under security lockdown since 2016 until recently.
    Melissa Gatter

    After the Israeli bombing near their home last October, the family moved into a school sheltering other displaced families in Beirut. Umm Ayman feels that going back to Syria – even with the accompanying price tag – might offer a brighter future.

    On the other hand, Rasha, a recent divorcee living in Turkey with her two children, is not ready to take the risk. “I cannot go back now,” she said. “My boys need to finish school first.” Her teenage sons, who are enrolled in Turkish schools, have become fluent in Turkish. Going back to Syria would mean adapting to a new curriculum – and having to learn formal Arabic.

    Many Syrians around the age of Rasha’s sons who are enrolled in school also prefer to earn their high school diplomas before making the journey back to Syria. Maryam explained to us that this is not always a straightforward decision for her students because it depends on how many years of schooling remain: “The students are feeling a little lost.”

    For Syrian students currently studying the first year of tawjihi (the final two years of high school in Jordan, assessed by exams that determine the direction of a student’s career) they must decide whether to stay in the country for one more year to complete their studies, and if this will be possible. For high school and university students alike, it is unclear how their studies will transfer to the Syrian system.

    “But most of my students tell me they don’t want to return at all because they honestly don’t remember anything about Syria,” Maryam said. Like Rasha’s teenagers, Maryam’s students were only toddlers at the start of the war and have spent the majority of their life outside their home country. Maryam wishes for her own daughter to grow up in Syria and receive the same education she and her husband did.

    But what kind of future would Syria offer them? A young mother of a toddler explained that there are no nurseries in her hometown of Daraa. As the only woman of her generation from her social circle left in the city, she was struggling to find childcare support and discourages her sister from returning with her children. “At least if she goes to Damascus she will find nurseries and good schools, but here there is nothing.”

    Crossing into a ‘void’

    For those who do wish to go home, returning to Syria involves committing to a one-way ticket – once you cross the border, there is little possibility of coming back. Host countries have introduced rules that ban re-entry for Syrians without legal status and residency permits (the case for most refugees).

    “You exit into a void,” Lina, who returned to Damascus from Beirut, explained. “No one can guarantee you’ll be able to come back.” In December, Syrians returning from Lebanon received only an exit stamp as there was still no one working on the Syrian side of the border.

    Ghada, a mother in her mid-30s, fled Shatila camp last October after Israeli bombing in southern Beirut intensified, returning to her village near Aleppo while her husband stayed behind to work in Beirut. She said:

    My children are so scared of the jet sound … We left Syria so they would not go through the war there and these horrifying sounds, so I did not want them to live here.

    Ghada was among the half a million people who fled Israeli bombing in Lebanon to Syria between October and November. Israel shelled all but one crossing point between Lebanon and Syria. In January, incidents between the Lebanese and newly established authorities in Damascus led to the temporary closing of the border, pushing Syrians to look for other routes back.

    By then, Ghada was already planning to come back to Lebanon. She said: “We have a home, my husband works, and the kids have a good school in Beirut.” Life in her Syrian village had been difficult, as access to everyday services was severely limited.

    But the Israeli war in Lebanon has not ended, as Israel refuses to respect the ceasefire agreement and parts of the country are still occupied.

    In Turkey, crossing the border without the required authorisation to return means losing temporary protection status, as was the case with Umm Ahmad once she left Gaziantep for east Aleppo. She won’t be able to see her daughter, who is as a Turkish passport-holder, for the foreseeable future as she is not allowed entry to Syria.

    At the moment, Syrians holding Turkish temporary status (kimlik) or residence permits can enter Syria if they apply for a permit. But the border crossing rules are constantly changing.

    Syrians returning from Jordan must pay a US$50 fee and sign an agreement consenting to being banned from re-entry to Jordan for five years. But many in Azraq camp are scared they will be forced to return, even after the UNHCR sent an SMS message to camp residents reassuring them that the decision to return to Syria would continue to be “voluntary, safe, and dignified.”

    The full SMS translation reads: “Refugees have the right to return to their homeland when they choose to of their own free will. The return will continue to be voluntary, safe, and dignified. The UNHCR works in cooperation with all concerned parties to address obstacles to refugee return in order to end their displacement.”

    SMS message from UNHCR sent to Zaatari residents on December 8.
    Melissa Gatter

    Fear is not a new emotion in Azraq, where a quarter of the camp’s nearly 40,000 residents lived under security lockdown for as many as six of the last ten years while the Jordanian government processed security clearance for each individual, deciding whether to accept or deport them.

    Shamsa noted that, while Azraq camp has become less stringent in recent years, “Everyone is still very afraid of forced returns.” Shamsa, who has spent the past eight years trying to find ways out of Azraq, said that staying there would be “more comfortable than it would be to go back right now”.

    A dignified return

    In January, the town of Darayya, 90% of which had been destroyed by the Assad regime, was alive with people rebuilding their homes. A man perched on the third floor of a very damaged building was putting concrete blocks together, laundry hung to dry on washing lines, and brand new windows sparkled on seemingly uninhabited homes. Lines of cars and minivans packed with bags and furniture entered from the Jordanian border and winded up Syrian roads – Syrians were returning and ready for a fresh start.

    Other cities have also seen their inhabitants return. Mohammad, a revolutionary who lived in exile in Turkey until Aleppo’s liberation on December 2, returned looking to reclaim justice and dignity – the core demands of the 2011 revolution. He said:

    I can finally seek justice, I can finally look people in the eye, I am going back home with my head held high.

    For those who supported the revolution, going back to a free Syria is an immense political and personal victory.

    Internally displaced Syrians living in camps in the northwestern region of Idlib have also begun to return to their homes, bringing their tents to live among the rubble as they rebuild. Iman, a woman in her 50s travelling to her home city of Idlib, said that the tents offered more dignified living than the camps: “You have to imagine that in the camps you have no intimacy, you hear everything your neighbours do and say in their tents.”

    But even in the relief of Assad’s absence, fear and mistrust is still rampant among refugees living in camps in Jordan. “People are expecting another downfall,” Qasim said, pointing to the number of coups preceding the Assad regime’s nearly 50-year history. What would happen if, upon returning, they must flee again?

    “There is still no hope,” Shamsa said wearily over a WhatsApp voice note from Azraq camp. She repeated the words her mother had told her almost ten years ago in their home in northern Syria, encouraging her to try a new life outside: “There’s nothing for us in Syria.”

    Drying laundry in the rubble of Darayya in January.
    Charlotte Al Khalili

    Shamsa and her family await a final decision on their resettlement application to the US, which they expect to receive in April, just after the 14th anniversary of the start of the Syrian revolution. Assad’s departure has not changed their plans.

    Despite the danger and uncertainty, some people are hopeful about the future of Syria and are taking a leap into the unknown to go back home. Umm Ahmad, a woman in her fifties, had been living in the city of Gaziantep, in southern Turkey, since 2012. She was among the first to go back to Syria. A mother of two martyred and three disappeared sons from the suburbs of Aleppo, Umm Ahmad decided to cross just a day after the fall of the regime, ecstatic to be able to reunite with her siblings who had not left Syria and whom she hadn’t seen for 13 years. With excitement in her voice, she told us:

    This is our country, there is no reason to leave it again now that we got rid of Bashar al-Assad. Inshallah [God-willing] we are staying here.

    Umm Ahmad’s life in Turkey, where she and her son’s family lived without residence permits, had been laced with hardship and financial insecurity. It did not matter to her that she would not be able to re-enter Turkey – she is happy to be home: “We visited our old flat yesterday. It is damaged but we will work on it with my husband and it should be ready to welcome my son and his family next month.” Back in Syria, Umm Ahmad can begin her quest to find her missing sons.

    A few others we spoke to rushed to return to Syria in the same way: revolutionaries who had waited at the border for years to be reunited with family who had stayed behind; relatives of the detained and forcibly disappeared trying to find their loved ones; people with nothing to lose being banned from re-entering a host country who had not given them legal status to begin with.

    A new blueprint for the return

    Although the figures presented by the UNHCR are high – more than half a million expected to return in six months – the number of returnees from neighbouring countries has reached around 235,000 as of February, with 35,000 coming from Turkey and 22,000 from Jordan, while figures from Lebanon remain unclear.

    The decision to return will not be a simple one for most, and the return will probably involve more than a single one-way trip. In many cases, young, single men are making this journey alone to test the waters on behalf of their families.

    Syrians abroad have been starting over for the past decade, and an entire generation has grown up in displacement. Kept on a hamster wheel of survival and deprived of the opportunity to prosper in exile, Syrian refugees must be able to make their own informed decisions about making the return – or not – in their own time.

    The idea of a “safe, voluntary, and dignified” return must account for the complicated logistical reality that repatriation to a country recovering from 50 years of an oppressive regime will not be a one-way journey for most. Rather than halting refugee programs and attempting to send as many Syrians back as quickly as possible, host countries should grant Syrian refugees freedom of movement to and from Syria.

    The return to Syria will ultimately only be possible with international support in rebuilding the country’s infrastructure, services and economy to see a peaceful political transition. Returnees will need financial and material assistance as they re-establish themselves, especially in the fallout of the drastic cuts to US-funded humanitarian aid. Western countries must lift their sanctions and hold Israel to account if they are genuinely interested in the long-term sustainability of Syria and the surrounding region.

    This moment is not only an opportunity for exiled Syrians to turn the page on displacement, it is also a rare opportunity for the international community to design a new blueprint for refugee returns in an age of criminalised migration. It is also a rare opportunity, then, for a cautious hope.

    “As for me, I’m thinking of getting my PhD from Damascus University,” Maryam said. While living in the camp, she earned a master’s degree at Al Al-Bayt University in the nearby city of Mafraq.

    Going back to Syria, her husband could return to his job as an IT engineer, and they could rent a flat while rebuilding their home in Daraa. Her daughter could start first grade in the Syrian school system. She is hopeful.

    “We’re seriously considering going back. It’s just a matter of time.”


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    Charlotte Al-Khalili receives funding from the Leverhulme Trust

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

    ref. Syria after Assad: why many Syrian refugees aren’t returning home – https://theconversation.com/syria-after-assad-why-many-syrian-refugees-arent-returning-home-251654

    MIL OSI – Global Reports

  • MIL-OSI Global: What makes the human brain unique? We compared it with monkeys and apes to find out

    Source: The Conversation – UK – By Rogier Mars, Professor of Neurosciences, University of Oxford

    KensCanning/Shutterstock

    Scientists have long tried to understand the human brain by comparing it to other primates. Researchers are still trying to understand what makes our brain different to our closest relatives. Our recent study may have brought us one step closer by taking a new approach – comparing the way brains are internally connected.

    The Victorian palaeontologist Richard Owen incorrectly argued that the human brain was the only brain to contain a small area termed the Hippocampus minor. He claimed that made it unique among the animal kingdom and, he argued, the human brain was therefore clearly unrelated to other species. We’ve learnt a lot since then about the organisation and function of our brain, but there is still much to learn.

    Most studies comparing the human brain to that of other species focus on size. This can be the size of the brain, size of the brain relative to the body, or or the size of parts of the brain to the rest of it. However, measures of size don’t tell us anything about the internal organisation of the brain. For instance, although the enormous brain of an elephant contains three times as many neurons as the human brain, these are predominantly located in the cerebellum, not in the neocortex that is commonly associated with human cognitive abilities.

    Until recently, studying the brain’s internal organisation was painstaking work. The advent of medical imaging techniques, however, has opened up new possibilities to look inside the brains of animals quickly, in great detail, and without harming the animal.

    We used publicly available MRI data of white matter, the fibres connecting parts of the brain’s cortex. Communication between brain cells runs along these fibres. This costs energy and the mammalian brain is therefore relatively sparsely connected, concentrating communications down a few central pathways.

    The connections of each brain region tell us a lot about its functions. The set of connections of any brain region is so specific that brain regions have a unique connectivity fingerprint.

    In our study, we compared these connectivity fingerprints across the human, chimpanzee and macaque monkey brain. The chimpanzee is, together with the bonobo, our closest living relative. The macaque monkey is the non-human
    primate best known to science. Comparing the human brain to both species meant we could not only assess which parts of our brain are unique to us, but also which parts are likely to be shared heritage with our non-human relatives.

    Much of the previous research on human brain uniqueness has focused on the prefrontal cortex, a group of areas at the front of our brain linked to complex thought and decision making. We indeed found that aspects of prefrontal cortex had a connectivity fingerprint in the human that we couldn’t find in the other animals, particularly when we compared the human to the macaque monkey.

    A higher value means the brains are more different.
    JNeurosci/Rogier Mars and Katherine Bryant, CC BY-NC-ND

    But the main differences we found were not in the prefrontal cortex. They were in the temporal lobe, a large part of cortex located approximately behind the ear. In the primate brain, this area is devoted to deep processing of information from our two main senses: vision and hearing. One of the most dramatic findings was in the middle part of the temporal cortex.

    The feature driving this distinction was the arcuate fasciculus, a white matter tract connecting the frontal and temporal cortex and traditionally associated with processing language in humans. Most if not all primates have an arcuate fasciculus but it is much larger in human brains.

    However, we found that focusing solely on language may be too narrow. The brain
    areas that are connected via the arcuate fasciculus are also involved in other cognitive functions, such as integrating sensory information and processing complex social behaviour. Our study was the first to find the arcuate fasciculus is involved in these functions. This insight underscores the complexity of human brain evolution, suggesting that our advanced cognitive abilities arose not from a single change, as scientists thought, but through several, interrelated changes in brain connectivity.

    While the middle temporal arcuate fasciculus is a key player in language processing, we also found differences between the species in a region more at the back of the temporal cortex. This temporoparietal junction area is critical in processing information about others, such as understanding others’ beliefs and intentions, a cornerstone of human social interaction.

    In humans, this brain area has much more extensive connections to other parts of
    the brain processing complex visual information, such as facial expressions and
    behavioural cues. This suggests that our brain is wired to handle more intricate
    social processing than those of our primate relatives. Our brain is wired up to be
    social.

    These findings challenge the idea of a single evolutionary event driving the
    emergence of human intelligence. Instead, our study suggests brain evolution happened in steps. Our findings suggest changes in frontal cortex organisation occurred in apes, followed by changes in temporal cortex in the lineage leading to humans.

    Richard Owen was right about one thing. Our brains are different from those of other species – to an extent. We have a primate brain, but it’s wired up to make us even more social than other primates, allowing us to communicate through spoken language.

    Rogier Mars receives funding from the Biotechnology and Biological Sciences Research Council (BBSRC) UK and the Medical Research Council (MRC) UK.

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

    ref. What makes the human brain unique? We compared it with monkeys and apes to find out – https://theconversation.com/what-makes-the-human-brain-unique-we-compared-it-with-monkeys-and-apes-to-find-out-252331

    MIL OSI – Global Reports

  • MIL-OSI United Kingdom: Oxford City Council secures £450,000 of National Lottery funding to support the Leys Youth Hub

    Source: City of Oxford

    Oxford City Council is celebrating after securing £450,000 in National Lottery funding from the Reaching Communities programme to support the Leys Youth Hub. 

    This vital funding will help sustain the staffing team and activity programme over the next four years, ensuring the hub provides opportunities for young people in Blackbird Leys. 

    The Leys Youth Hub, located at Blackbird Leys Leisure Centre, last year received funding from the Youth Investment Fund to create a dedicated space for young people. The new facility, which will be run by Oxford City Council’s Youth Ambition service and is in partnership with Oxfordshire County Council’s Targeted Youth Support Service (TYSS), will feature a climbing wall, teaching kitchen, music and media studio and social areas, offering a diverse range of activities designed to empower and engage young people. 

    Construction contractors ODS started the building work on site in September 2024, with the Youth Hub expected to open at the end of Spring 2025. 

    The additional funding from The National Lottery Community Fund, the largest community funder in the UK, will be crucial in supporting the hub’s operations for its first four years, with a tapered approach in the third and fourth years to work towards a sustainable, community-led model. The Youth Investment Fund has funded the construction work and staffing programme to date. 

    Oxford City Council will continue working closely with partners, including Oxfordshire County Council’s Targeted Youth Support Service (TYSS), and young people to shape the programme and ensure it meets the needs of the local community. 

    Councillor Chewe Munkonge, Cabinet Member for a Healthy Oxford, said: 

    “We are delighted to receive this funding from The National Lottery Community Fund, which will make a real difference to young people in Blackbird Leys. The Leys Youth Hub is an investment in their future, providing a safe and supportive space where they can develop new skills, build their confidence, and have their own community space to form connections and have fun. This funding ensures we can continue to deliver a high-quality programme that truly benefits the community, and I’m looking forward to seeing the newly-completed Hub open soon!” 

    Helen Bushell, Head of Regional Funding for London, the South East and East at The National Lottery Community Fund, said:  

    “Thanks to National Lottery players, we’re proud to support amazing projects like the Leys Youth Hub, which strengthens society and helps the community in Oxford come together. We know the best way for children and young people to achieve their potential is by helping them connect with others and enjoy enriching activities, empowering them to shape the decisions that affect their communities.” 

    Nick Temple, CEO for Social Investment Business, delivery partner for the Youth Investment Fund, added: 

    “Securing National Lottery Funding for the Leys Youth Hub is very welcome news for young people in Blackbird Leys. The Youth Investment Fund is all about prioritising the needs of young people and creating a more equal society for future generations. Along with funding the building and renovation of hundreds of youth centres across England, we want to make sure that they are sustainable long into the future, so young people have every opportunity to have fun, make friends and explore their passions. We are thrilled that the Leys Youth Hub has a secure future and look forward to celebrating when the new building opens its doors to young people in Spring.” 

    National Lottery players raise over £30 million a week for good causes across the UK. Thanks to them, last year (2023/24) The National Lottery Community Fund awarded over half a billion pounds (£686.3 million) of life-changing funding to communities across the UK, supporting over 13,700  projects to turn their great ideas into reality.  

    To find out more visit www.TNLCommunityFund.org.uk    

    MIL OSI United Kingdom