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Category: Commerce

  • MIL-OSI Asia-Pac: The Business of Influence: A Symphony of Stories, Passion, and Purpose at WAVES 2025

    Source: Government of India

    The Business of Influence: A Symphony of Stories, Passion, and Purpose at WAVES 2025

    WAVES 2025 celebrates creators shaping culture, community, and conversation through stories that matter

    Posted On: 01 MAY 2025 7:21PM by PIB Mumbai

    Mumbai, 1 May 2025

     

    In a world awash with content, where voices rise above algorithms and passion trumps performance, the breakout session “The Business of Influence: Creators Shaping Global Culture” at WAVES 2025 unfolded like a vibrant tapestry threaded with authenticity, curiosity, and community. Moderated by Gautam Anand, Vice President, YouTube APAC, the session brought together four extraordinary creators whose journeys, rooted in passion and purpose, have quietly transformed corners of the digital world.

    Gautam Anand began by echoing Prime Minister Narendra Modi’s vision from the inaugural ceremony of a billion voices rising from India. He called creators the very heart of YouTube, beating with diversity and depth, capable of shaping narratives that ripple across borders.

    The session opened with a moment that stunned the audience, Japanese creator Mayo Murasaki, of the popular channel Mayo Japan, began speaking fluently

    MIL OSI Asia Pacific News –

  • MIL-OSI Asia-Pac: WAVES 2025 witnesses exchange of ideas on the future of Indian Media & Entertainment Industry

    Source: Government of India

    WAVES 2025 witnesses exchange of ideas on the future of Indian Media & Entertainment Industry

    Indian M&E @100: Reimagining the Future of Media and Entertainment at WAVES 2025

    Posted On: 01 MAY 2025 7:15PM by PIB Mumbai

    Mumbai, 1 May 2025

     

    The inaugural day of WAVES 2025 at the Jio World Convention Centre, Mumbai, featured a compelling panel discussion titled “Indian M&E @100: Reimagining the Future of Media and Entertainment.” The session brought together leading voices from the industry to reflect on its growth and the road ahead as India moves towards 2047. The discussion was moderated by Vanita Kohli Khandekar, Contributing Editor, Business Standard.

    Opening the session, Vanita Kohli Khandekar recalled how the media and entertainment sector, valued at just ₹500 crore around the year 2000, has now grown into a ₹70,000 crore industry. She pointed to two policy decisions that played a critical role in fuelling this growth—the granting of industry status to filmmaking and the initial tax exemptions granted to multiplexes. She also posed an important question on the ability of AI not just to improve content quality, but also to aid in its monetisation. Emphasizing the country’s cultural and linguistic diversity, she underlined that scaling must be inclusive and sensitive to India’s varied audience.

    Vinit Karnik, Managing Director, GroupM, noted that 60% of the advertising revenue in the M&E sector today comes from digital platforms. He observed that the sector has undergone significant disruptions over the last few years, which have fundamentally reshaped how content is consumed and marketed. While acknowledging AI as a strong enabler, he emphasised that content must remain humanised—especially at a time when culture itself is being shaped by mobile technology. He highlighted the need to use technology constructively to enhance storytelling and informed the audience about Mumbai University’s new course on prompt engineering aimed at equipping future professionals.

    Rajan Navani, Founder and CEO of JetSynthesys, focused on the future of content delivery, which he believes will evolve into cross-platform interactive experiences. He stated that India holds just 2–3% of the global M&E market, and to further increase this share by 2047, it is imperative to invest in talent and enhance the country’s investment capacity. He noted that entertainment is becoming increasingly dynamic and will require different technologies for different formats. Addressing Vanita’s concerns on monetization, he pointed out the relatively low disposable income in India compared to developed markets, but expressed optimism that sustained economic growth will boost consumer spending. He cited the example of the Global e-Cricket Premier League, where audiences are already engaging in individualized consumption and payments.

    Vikram Tanna, CEO of Eros Now, called for India to aspire to become a global hub for AI innovation in media. He argued that AI would transform both the creation and delivery of content, enabling new ways for users to become creators. According to him, the digital age will present numerous inflection points, and strategic interventions are required to ensure that India remains competitive. He emphasized that simplifying new technologies—making them as accessible as the internet—will naturally expand the business. He concluded the session by noting that, in this evolving environment, it is crucial for the industry to understand how to engage with machines and harness the vast content landscape for advertising and audience engagement.

    The session offered a forward-looking view of India’s M&E sector, underscoring the interplay of policy, technology, talent, and cultural relevance in shaping its future. WAVES 2025 continues at Jio World Centre till May 4, with sessions highlighting global trends in audio-visual and entertainment industries.

     

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    MIL OSI Asia Pacific News –

  • MIL-OSI USA: Cantwell Questions Commerce Deputy Sec Nominee on Drastic NOAA Cuts: “We Are Going to Hold This Administration Accountable.”

    US Senate News:

    Source: United States Senator for Washington Maria Cantwell

    05.01.25

    Cantwell Questions Commerce Deputy Sec Nominee on Drastic NOAA Cuts: “We Are Going to Hold This Administration Accountable.”

    At committee hearing, Cantwell takes Dabbar to task over admin’s decision to slash 2.5K employees from NOAA NOAA’s core functions like weather forecasting, predicting climate change impacts, and fishery stock assessments are crucial to the PNW

    WASHINGTON, D.C. – Today, U.S. Senator Maria Cantwell (D-WA), ranking member of the Senate Committee on Commerce, Science, and Transportation and senior member of the Senate Finance Committee, grilled Paul Dabbar – President Trump’s nominee to serve as Deputy Secretary of Commerce – on the administration’s plans to gut the National Oceanic and Atmospheric Administration (NOAA) during a hearing before the Commerce committee.

    “The Department continues to slash essential workers at NOAA, with approximately 2,500 employees of the 12,000-person workforce fired or otherwise departing since the start of this administration. These staffing shortages are already impacting NOAA’s core functions, including reduced and suspended weather balloon launches at many of our weather forecast offices — and I can’t tell you how important this is for us, particularly related to fire season, these NOAA weather activities are giving us essential data about how best to prepare for fire season — and further cuts are expected in the coming weeks.

    “On top of that, the Trump administration is pursuing a 2026 budget proposal that would reduce NOAA’s budget by more than 27%, including a 75% cut to the Office of Oceanic and Atmospheric Research, the closures of all its weather climate labs, and an 85% cut to the Office of Space Commerce.

    “I can tell you this, Mr. Dabbar, as somebody who ran a science organization, that we are going to hold this administration accountable for the cuts in science. It is not acceptable. Innovation is the way we’re going to grow our economy. It is the way we are going to protect our industries that exist today.

    “At the same time, the administration is calling for major reorganizations of NOAA, including moving part of the National [Marine Fisheries] Service to the Department of Interior. I’m not sure why the most important management resource we have for our fisheries, having our science management system, we would give up to the Department of Interior.

    “I’m particularly shocked to see this proposal, given that Mr. Lutnick promised to me during this confirmation hearing that ‘I have no interest in separating NOAA.’ And that breaking up NOAA ‘is not on my agenda.’ What changed?” Sen. Cantwell said.

    In February, Sen. Cantwell voted against confirming Commerce Secretary Howard Lutnick, citing – among other issues – his “tepid support” for NOAA. She then sent a letter to Lutnick directly following his confirmation calling on him to exempt the National Weather Service (NWS) from the federal hiring freeze, and protect all NOAA workers from firings “that would jeopardize the safety of the American public.”

    NOAA provides critical services to the nation including weather forecasts, extreme storm tracking and monitoring, tools to enable communities to adapt to sea level rise and climate change, supporting fisheries management, and conserving marine mammals and other protected species.

    Sen. Cantwell is a champion of NOAA and helped secure $3.3 billion in NOAA investments in the Inflation Reduction Act to help communities prepare for and adapt to climate change, boost science needed to understand changing weather and climate patterns, and invest in advanced computer technologies that are critical for extreme weather prediction and emergency response. Her Fire Ready Nation Act, bipartisan legislation to strengthen NOAA’s ability to help forecast, prevent, and fight wildfires, passed the Commerce committee unanimously earlier this year and now heads to the full Senate for consideration.

    Video of Sen. Cantwell’s remarks in the hearing today can be watched HERE; audio is HERE; and a transcript is HERE.

    MIL OSI USA News –

  • MIL-OSI USA: Commerce Committee Unanimously Passes Sullivan-Whitehouse FISH Act to Combat Illegal Foreign Seafood Harvest

    US Senate News:

    Source: United States Senator for Alaska Dan Sullivan

    05.01.25

    WASHINGTON—U.S. Senators Dan Sullivan (R-Alaska) and Sheldon Whitehouse (D-R.I.) thanked their colleagues on the Senate Commerce, Science & Transportation Committee for unanimously passing their Fighting Foreign Illegal Seafood Harvest (FISH) Act yesterday. The FISH Act would combat foreign illegal, unreported and unregulated (IUU) fishing by blacklisting offending vessels from U.S. ports and waters, bolstering the U.S. Coast Guard’s enforcement capabilities and partnerships, and advancing international and bilateral negotiations to achieve enforceable agreements and treaties. The legislation is cosponsored by Sens. Lisa Murkowski (R-Alaska) and Roger Wicker (R-Miss.).

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    “The geopolitics of the North Pacific and the Arctic are changing dramatically, with Russia and China increasing their aggression and ruinous activities near Alaska’s waters,” said Sen. Sullivan. “One particularly insidious threat is Chinese and Russian fishing fleets that ignore basic seafood harvest rules and best practices, and ravage fish stocks without regard for any other users or future generations. These grey fleets, which literally utilize slave labor in many cases, are a cancer on fisheries throughout the world and undercut our fishermen, who fish sustainably. I want to thank my Commerce Committee colleagues for unanimously passing our FISH Act and fighting back against IUU fishing on behalf of our fishermen and coastal communities.”

    “I thank Senator Sullivan, my longtime partner on oceans issues, for his leadership in shepherding the bipartisan FISH Act through the Commerce Committee. Our bill cracks down on illegal pirate fishing operations to level the playing field for Rhode Island fishermen and processors who play by the rules, and will help nurture the fisheries that keep our oceans and coastal communities so healthy and vibrant,” said Sen. Whitehouse, co-founder of the Senate Oceans Caucus.

    The FISH Act builds on prior landmark legislation against IUU fishing, including the Maritime SAFE Act, authored by Senators Wicker and Chris Coons (D-Del.) and signed into law in December 2019 as part of the National Defense Authorization Act.

    Key provisions of the FISH Act: 

    • Direct the National Oceanic and Atmospheric Administration (NOAA) to establish a blacklist of foreign vessels and owners that have engaged in IUU fishing.
    • Direct the administration to address IUU fishing in any relevant international agreement.
    • Direct the U.S. Coast Guard to increase its work with partner countries and increase at-sea inspection of foreign vessels suspected of IUU fishing.
    • Direct the administration to report to Congress on how new technologies can aid in the fight against IUU fishing, the complexities of the seafood trade relationship between Russia and China, and the economic costs of IUU fishing to the U.S.

    On April 17, President Trump signed an executive order, “Restoring American Seafood Competitiveness,” directing the Secretary of Commerce, U.S. Trade Representative (USTR), and Interagency Seafood Trade Task Force to assess seafood competitiveness issues and collectively develop a comprehensive seafood trade strategy. Among these strategies, the USTR will examine the relevant trade practices of major seafood-producing nations, including IUU fishing and the use of forced labor in the seafood supply chain.

    Senators Sullivan and Whitehouse have worked together extensively on ocean sustainability issues, most notably on the Save Our Seas 2.0 Act, the most comprehensive legislation ever to address the global marine debris crisis, which became law in 2020.

    MIL OSI USA News –

  • MIL-OSI USA: John James Introduces Landmark App Store Accountability Act

    Source: United States House of Representatives – Congressman John James (Michigan 10th District)

    WASHINGTON, D.C. – Today, Representative John James (MI-10) introduced the App Store Accountability Act, a landmark bill designed to increase safeguards within app stores to empower parents and protect children. Rep. James had previously introduced the legislation in 2024. Senator Mike Lee (R-UT) is leading an identical companion bill in the Senate.

    The bill ensures that children are not accessing age restricted material through online app stores and provides parents with more control over what their children can access. A national poll commissioned by Digital Childhood Alliance found that 88% of parents want app stores to require parental approval before minors can download a new app.

    Just as how brick-and-mortar stores are held responsible for selling age-restricted materials like tobacco or alcohol to minors, the App Store Accountability Act will hold digital app stores accountable for providing adult or age restricted material to minors. 

    Rep. James issued the following statement regarding his legislation:

    “Kids cannot consent — and any company that exposes them to addictive or adult material should be held accountable. The App Store Accountability Act holds Big Tech companies to the same standard as local corner stores. It safeguards the next generation by empowering parents and ensures that when it comes to protecting children, no one is above the law.” 

    Senator Lee issued this statement:

    “For too long, Big Tech has profited from app stores through which children in America and across the world access violent and sexual material while risking contact from online predators. Our legislation brings age verification and accountability to the source of the problem.”  

    “Requiring parental consent before kids can download apps is a commonsense measure that ensures parents have the ability to stay informed and engaged in their children’s digital lives, helping to prevent exposure to harmful apps and privacy risks,” said Congressman Gus Bilirakis.  “By equipping parents with effective, easy-to-use tools and resources, we empower them to better protect their children while fostering open communication and digital literacy within families.”

    “App stores are the digital gatekeepers of our children’s lives. They control what gets through, but until now, they’ve had zero accountability. This bill fixes that.”– Casey Stefanski, Executive Director, Digital Childhood Alliance

    “The App Store Accountability Act is a commonsense solution to an acute problem created by tech companies. The fact is that contracts signed by minors are unenforceable, but the app stores, including Apple’s and Google’s, make all users – including children – sign a user agreement entitling the companies to collect data and limiting their liability. We wouldn’t accept this from a bank. We wouldn’t accept this from a car dealership. Why are we accepting this on an iPhone?” – Joel Thayer, President of the Digital Progress Institute

    “App stores open the door to exploit vulnerabilities in kids. Protecting our children online begins with age verification and parental consent. This bill can end exploitation before it starts!” –Russ Tuttle, Founder & President The Stop Trafficking Project

    “App stores treat children like virtual adults—promoting adult-oriented platforms and allowing minors to accept terms and download any app without parental oversight. Parents, not tech companies, should have the final say over their child’s app usage. This bill restores parents’ digital sovereignty, empowers them to make informed choices, and reestablishes appropriate digital boundaries for children.”—Annie Chestnut Tutor, The Heritage Foundation

    “Protecting our children from predatory online business practices should be automatic. And those who don’t honor this common-sense principle must be held accountable. Requiring age verification, parental consent, and enhanced transparency in today’s powerful App Stores is a lifeline parents have been waiting for.”—Chris McKenna, Founder & CEO Protect Young Eyes

    Specifically, the App Store Accountability Act would:

    • Require age verification for access to App Store ID.
    • Require parental consent for users under 18 using App stores.
    • Link devices of minors on app stores to parents/guardians.
    • Establish enforcement mechanisms for violations of this act.

    As a member of the Energy and Commerce Committee and father of three young boys, Rep. James has been a vocal advocate for empowering parents, protecting children, and holding Big Tech accountable. The bill is being supported by the Digital Childhood Alliance and more than 100 advocacy organizations. 

    A full list of supporting groups, as well as the full bill text, can be found below.

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    MIL OSI USA News –

  • MIL-OSI USA: Cramer, Warner Reintroduce Bipartisan Bill to Authorize Remote Online Notarizations Nationwide

    US Senate News:

    Source: United States Senator Kevin Cramer (R-ND)
    ***Click here for audio.***
    WASHINGTON, D.C. – Despite significant advancements in digital technology, remote notarization has yet to be fully deployed and accepted on an interstate basis. While nearly every state allows for remote electronic notarization, regulations and recognition vary between states.
    U.S. Senators Kevin Cramer (R-ND) and Mark Warner (D-VA) introduced their bipartisan Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act. This bill would permit the nationwide use of Remote Online Notarizations (RON), enabling notaries and signers to complete the process from different physical locations. It authorizes every notary in the United States to perform RON and provides certainty for interstate recognition of RON. The SECURE Notarization Act requires tamper-evident technology and fraud prevention measures through the use of multifactor authentication.
    “We’ve made a lot of progress toward much more widespread use of online notarizations in the past few years, particularly through the pandemic,” said Cramer. “But this patchwork of state regulations really leaves consumers without consistent access to some notary services. Quite honestly, I think it violates, certainly, the spirit of interstate commerce. Our bill simply makes sure online notarizations are valid across [state] lines and allow every notary to perform them, and perform them in a very secure way.”
    “It’s time to finally bring the notarization process into the 21st century,” said Warner. “Remote notarizations have proven to be a safe and convenient way for individuals to complete essential services such as executing wills, completing financial documents, and buying or selling a home online. This legislation would continue to modernize this system by permitting nationwide use of Remote Online Notarization to complete important documents.”
    The SECURE Notarization Act will complement state regulations, including those in North Dakota, which already allow for remote notarizations.
    The bill is endorsed by American Land Title Association (ALTA), Mortgage Bankers Association (MBA), National Association of REALTORS (NAR), and American Council of Life Insurers (ACLI).
    “Senators Cramer and Warner have been longstanding champions in recognizing the clear benefits of extending RON access to all Americans and leading this bipartisan legislation, which offers a safe and secure path to remotely close real estate and mortgage transactions,” said Diane Tomb, CEO of ALTA. “By passing the SECURE Notarization Act, Congress will embrace a proven innovation and modernize the notarization process with a secure system that meets consumer needs and expectations, including those of our military heroes overseas, the elderly, and homebuyers seeking convenience.”
    “The SECURE Notarization Act would make the mortgage closing process more convenient for consumers by creating federal minimum standards to allow notaries in all states to perform remote online notarization (RON) transactions,” said Bill Killmer, Senior Vice President of Legislative and Political Affairs at MBA. “MBA appreciates Senator Cramer and Warner’s commitment to enable nationwide use of RON technology. Their continued diligence and hard work on this critical issue will greatly simplify and improve mortgage transactions for all borrowers.” 
    “The National Association of REALTORS applauds Senators Cramer and Warner for reintroducing the SECURE Notarization Act,” said Shannon McGhan, EVP & Chief Advocacy Officer for the National Association of REALTORS. “This commonsense, bipartisan bill will modernize an essential part of real estate transactions by allowing nationwide use of secure, remote online notarization. Reliable, accessible notarized records are the bedrock of real estate, and this technology ensures Americans can continue to buy, sell, and finance property with confidence in today’s digital age.”
    “Senators Cramer and Warner understand that families need practical, modern tools to plan for their financial futures,” said David Chavern, President and CEO of the ACLI. “During COVID, life insurers demonstrated how well remote online notarization works for consumers. Allowing its use nationwide is a smart, commonsense step to bring the notarization process into the 21st century.”
    Click here for bill text.

    MIL OSI USA News –

  • MIL-OSI USA: VIDEO: Pressley Shares Powerful Story of Family from Republican District at Risk from Proposed Medicaid Cuts

    Source: United States House of Representatives – Congresswoman Ayanna Pressley (MA-07)

    Mary from Michigan: “I’m a hospice nurse who works four days a week. My son, Michael, was diagnosed with autism when he was two years old… These politicians don’t care about people like my son. They would rather that people like my son would just die. They don’t think that he contributes to society or is worth anything. But as his mom, I know that is so, so, so, wrong.”

    Pressley Also Introduced Amendments to Strengthen CFPB, Expose Harmful Impact of DOGE

    Video (YouTube)

    WASHINGTON – In the House Financial Services Committee’s markup of the Republican reconciliation bill, Congresswoman Ayanna Pressley (MA-07) condemned the bill’s proposed cuts to Medicaid and shared the story of Mary Marinelli, a 70-year-old hospice nurse from a Republican district in Michigan whose family depends on Medicaid to care for their autistic son. Congresswoman Pressley also introduced several amendments to the legislation to strengthen the Consumer Financial Protection Bureau (CFPB) and expose the harmful impact of the so-called Department of Government Efficiency (DOGE).

    Congresswoman Pressley’s amendments to the reconciliation bill would:

    • Ensure the CFPB remains fully funded so that it may continue returning billions of dollars to consumers by charging risk-based assessments to the largest banks and non-bank financial companies, including big tech payment providers and payday lenders
    • Ensure the CFPB remains fully funded by changing its funding structure so that any company found to have violated a consumer financial protection law since 2010 would pay annually to fund the CFPB through an annual assessment.
    • Conduct a study on the types and amounts of sensitive data that DOGE has been provided access to, and to assess whether such information sharing has undermined data privacy, competition, cybersecurity or other financial stability considerations.
    • Conduct a study to evaluate the damage and risk posed to our financial systems by DOGE cuts, as well as the concerning impacts on consumer and investor protection

    Republicans rejected every amendment proposed by Pressley and her Democratic colleagues.

    A transcript of the Congresswoman’s testimony on behalf of Ms. Marinelli is below and the video is available here.

    Transcript: Pressley Condemns Reconciliation Bill, Shares Heartbreaking Story of Family from GOP District at Risk from Medicaid Cuts

    House Financial Services Committee

    April 30, 2025

    Democrats have been sounding the alarm on the hurt and harm this Republican bill will unleash. 

    In my district, the Massachusetts 7th, I’ve been holding town halls, listening to my constituents who oppose this bill for many reasons, but especially the Medicaid cuts.

    Republicans were told to not host town halls, and they definitely haven’t been listening to the people in their district. It’s gotten so bad that people living in Republican districts are now reaching out to my office to have their voices heard.

    Here is a letter from a constituent of Rep. McClain’s, who sits on this very committee. These are the words of Mary Marinelli:

    “I’m a hospice nurse who works four days a week. My son, Michael, was diagnosed with autism when he was two years old. He’s non-verbal. He cannot be left alone and needs to be supervised 24/7. Through Medicaid, my youngest son, Sean, gets paid to be a caretaker for Michael, which really helps us out. 

    “When Michael became 18, he got on Medicaid and Medicare. It pays for his medication, treatment, hospital stays, and allows us to do some different therapies with him. He’s also on Social Security, which he started receiving at the age of 18. It gives us extra money, about $900 a month, to take care of him. 

    “I am 70 years old. I am still working as a hospice nurse four days a week. If they take Medicaid away, I don’t know what I’ll do. I’d have to get a second job. I received a letter on Friday. They want me to come into the Social Security office to talk about Michael’s benefits. They’ve never done that before, and I was in despair all weekend, worried about them taking away his benefits. 

    “I don’t know how we would function without Medicaid. It’s already stressful enough, even with these services. I can’t imagine how much worse things will get. It would be a death sentence. 

    “As a nurse, I can talk about a lot of different angles to this, the physical ramification of patients falling more between the cracks. These politicians don’t care about people like my son. They would rather that people like my son would just die. They don’t think that he contributes to society or is worth anything. But as his mom, I know that is so, so, so, wrong. 

    “Michael is a wonderful person who brings so much. I don’t know what I would have done without Medicaid.”

    I don’t know if Rep. McClain is here and has anything to say to Mary, her constituent, communicating to you through me. 

    Silence.

    The American people do not support this bill, and that includes those living in Republican districts.

    Mr. Chair, I’m grateful for the reconciliation survival kit that you gifted to members. I only wish I had one for the American people.

    I yield back.

    ###

    MIL OSI USA News –

  • MIL-OSI USA: Congresswoman Tenney Introduces Legislation to Stimulate Investments into American Manufacturing

    Source: United States House of Representatives – Congresswoman Claudia Tenney (NY-22)

    Washington, DC – Congresswoman Claudia Tenney (NY-24) today lead 19 of her colleagues in introducing the Building Advanced Semiconductors Investment Credit (BASIC) Act to increase and extend the advanced manufacturing investment credit. 

    This legislation increases the advanced manufacturing investment credit from 25% to 35% and extends its availability through December 31, 2030. Semiconductors are essential to nearly every modern technology and producing these domestically is foundational to both America’s economy and its national security. Extending this tax credit will promote further investment in establishing new production facilities to manufacture semiconductors, which will spur job growth in advanced science, technology, engineering, and manufacturing, as well as ensure that the United States can compete globally and maintain its technological dominance over adversaries like China. Extending this critical tax incentive signals long-term U.S. commitment to tech leadership and levels the playing field for American companies ensuring the United States does not fall behind in this critical strategic sector.

    Additional original cosponsors of this legislation include Tom Suozzi (D-NY), Nicole Malliotakis (R-NY), Brian Fitzpatrick (R-PA), Mike Carey (R-OH), Joe Morelle (D-NY), John Mannion (D-NY), Paul Tonko (D-NY), Tim Kennedy (D-NY), Josh Riley (D-NY), Mike Simpson (R-ID), Jen Kiggans (R-VA), Joe Neguse (D-CO), Young Kim (R-CA), Becca Balint (D-VT), Elise Stefanik (R-NY), Steven Horsford (D-NV), Mike Lawler (R-NY), Ro Khanna (D-CA), and Suhas Subramanyan (D-VA).  

    “To restore America as a manufacturing powerhouse, we must empower American companies with the tools they need to succeed. The BASIC Act extends and expands the manufacturing investment credit, encouraging investment in the U.S. economy and enabling companies like Micron to build factories right here in New York. This legislation works hand in hand with the Trump administration to revitalize American manufacturing and bring jobs back to the United States,” said Congresswoman Tenney.

    “Bringing semiconductor manufacturing to the United States is both a critical national security priority and massive economic opportunity for the next generation of American workers,” said Congressman Carey. “Increasing and extending this tax credit will help our economy grow and create a reliable supply chain for critical semiconductors. I am proud to join with my colleagues on this legislation and look forward to it passing.” 

    “Bringing semiconductor manufacturing back to the United States is critical not only for our national security but also to ensure we no longer rely on adversaries like Communist China for this vital industry that powers nearly every modern technology. Extending and enhancing this tax credit will strengthen our domestic supply chain, create good-paying American jobs, and help our nation remain competitive on the global stage. I thank my friend Rep. Claudia Tenney for leading this important effort,” said Congresswoman Malliotakis. 

    “Securing America’s economic and national security starts with rebuilding our domestic supply chains. By strengthening and extending the semiconductor investment credit, the BASIC Act will empower American innovators, bolster advanced manufacturing, and help ensure the United States—not China—leads the future of technology,” said Congressman Fitzpatrick.

    “The Building Advanced Semiconductors Investment Credit (BASIC) is critical legislation to advance semiconductor manufacturing in the U.S. BASIC will generate additional economic activity across the semiconductor ecosystem in the U.S. over the next four years to meet economic and national security goals,” said Sanjay Mehrotra, Micron Chairman, President and CEO. “Micron is appreciative of the leadership from Rep. Tenney and Members of Congress to ensure semiconductor companies can make cost-competitive, long-term investments in advanced U.S. manufacturing.

    “As the historic investment being made by Micron moves forward, partners at every level of government must continue to work together to do everything we can to expedite this critical investment – especially for our national security. The Building Advanced Semiconductors Investment Credit (BASIC) is vital for semiconductor manufacturers like Micron in order to maintain global competitiveness and create certainty in their construction timelines. I want to thank Congresswoman Tenney for her leadership in advocating for the expansion of BASIC and passionate advocacy to help Central New York and Upstate New York become the hub for memory technology manufacturing in the world,” said Onondaga County Executive Ryan McMahon.  

    “Extending and expanding the Advanced Manufacturing Investment Credit is crucial for growth of U.S. semiconductor manufacturing to strengthen national and economic security. The Building Advanced Semiconductors Investment Credit legislation will help GlobalFoundries continue to expand and modernize our facilities in Upstate New York and Vermont, as well as to ensure that the U.S. semiconductor industry maintains global competitiveness. GlobalFoundries is proud to be making chips in America and we would like to thank Congresswoman Tenney and the co-sponsors of this legislation for their continued support for domestic semiconductor manufacturing,” said Dr. Thomas Caulfield, Executive Chairman of GlobalFoundries.

    “The statutory extension of IRC §48D past its December 31, 2026 expiration is an essential factor that supports TSMC’s continued expansion in Arizona, specifically our recently announced plans to build three additional chip fabrication plants, two back-end packaging facilities, and a major semiconductor R&D center. TSMC’s overall U.S. investment now stands at $165 billion. The company is deeply grateful to Representative Tenney and her cosponsors for leading this important legislation,” said Peter Cleveland, SVP, Global Government Affairs, TSMC.

     “This legislation is a timely and essential measure to secure long-term investment in the U.S. semiconductor sector and ensure our domestic industry remains competitive in an increasingly aggressive global marketplace. By increasing the investment tax credit to 35% and prolonging the eligibility period, this bill addresses the structural cost disadvantages that U.S.-based manufacturers face—especially compared to Asia—where faster permitting, cheaper labor, and state-backed subsidies give foreign competitors an unfair edge. BASIC directly offsets these imbalances and provides semiconductor manufacturers the financial certainty needed to move forward with building new fabrication facilities here in the United States over the next four years. I commend Representative Tenney and the co-sponsors of this legislation for their leadership and foresight,” said Jason Hsu, Senior Fellow, Hudson Institute.

    “To win the chip race, the U.S. must continue to reinforce domestic chip production and advance innovation. The BASIC Act is a welcome effort to strengthen this proven driver of investment by increasing the credit’s rate and extending its duration, spurring continued investment in America’s growing ecosystem. This proposal, along with the expansion of the credit to include chip R&D and design, is critical to America’s competitiveness and sustained technology leadership,” said John Neuffer, President and CEO of the Semiconductor Industry Association.

    “The CHIPS Act has spurred a massive resurgence in American semiconductor production. We lost our global leadership in chips, a technology we invented, because other countries pursued effective industrial strategies while we did nothing. The United States has finally woken up to the fact that we can fight back, and we have hundreds of billions of dollars in new domestic semiconductor investment to show for it. Rep. Tenney and her colleagues deserve tremendous credit for their continued focus on smart public policy that strengthens American industry,” said Chris Griswold, Policy Director, American Compass.

    “The advanced manufacturing investment credit is a vital tool to support domestic manufacturing and growth of key industries like semiconductors, microelectronics and more,” said Robert M. Simpson, president of CenterState CEO, in Syracuse. “This legislation to increase the tax credit to 35% and extend its availability through 2030 will further support Central New York’s ability to lead in the domestic production of chips that we rely on every day, making the region an essential hub for advanced manufacturing and innovation, while supporting national and economic security.” 

    “This bi-partisan legislation is a home run for New York and its goal of being the leader is semiconductor manufacturing. We applaud Congresswoman Tenney for getting the support of 17 colleagues behind the bill. We urge all of congress to support this legislation that will undoubtedly create jobs and grow New York’s economy for years to come,” said Heather Mulligan, President & CEO, The Business Council of New York State Inc.

    ###

    MIL OSI USA News –

  • MIL-OSI USA: Ernst, Williams, Loeffler Bring Back “Made in America”

    US Senate News:

    Source: United States Senator Joni Ernst (R-IA)

    WASHINGTON – U.S. Senate Committee on Small Business and Entrepreneurship Chair Joni Ernst (R-Iowa) and House Small Business Committee Chairman Roger Williams (R-Texas) are introducing key bipartisan legislation with Senator Chris Coons (D-Del.) to continue unleashing American industry.
    Manufacturing loans are already up 74% under President Trump and by doubling the individual loan limit for 7(a) and 504 small manufacturing loans from $5 million to $10 million, the Made in America Manufacturing Finance Act will allow small businesses to access the capital they need to invest in new equipment, hire new employees, and grow their businesses.
    “In Iowa and across the country, Main Street is roaring back under President Trump,” said Ernst. “I am proud to work with Administrator Loeffler and Chairman Williams to continue unleashing American industry by allowing small manufacturers to grow and equipping Iowa small business to lead the way. Today marks a major step in bringing back ‘Made in America.’”
    “I want to thank Administrator Loeffler and Senators Ernst and Coons for their partnership on this crucial legislation, as we support America’s small businesses, which make up nearly 99% of all U.S. manufacturers,” said Williams. “The Made in America Manufacturing Finance Act provides small business owners the capital they need to expand, modernize, and compete. We must continue to support and empower the job creators who keep our communities thriving. Together, we will continue driving the America First agenda forward and creating an environment where the success of Main Street is a priority.”
    “On Liberation Day, President Trump made a clear promise to fight for our businesses and workers by bringing back the jobs and supply chains that built this nation—and today, we’re delivering,” said Loeffler. “The Made in America Manufacturing Finance Act will double SBA loan limits for small manufacturers, supercharging the return of American industry by giving small businesses the capital they need to expand, hire, and compete. I’m grateful to Senator Ernst and Representative Williams for leading this bipartisan effort that will empower our small businesses to reclaim our economic independence and rebuild the foundation of American power.”
    “Every big business started as a small business that just needed a little help to grow,” said Coons. “This bipartisan bill builds on years of work to give small manufacturers access to the funding they need to invest in their American dream. This is how we keep manufacturing jobs in America and help communities up and down Delaware thrive.”  
    Click here to view the bill.

    Background:
    After discussing undoing the damage of the Biden administration and fixing the financial integrity of the 7(a) loan program with Administrator Kelly Loeffler during her confirmation hearing, Ernst praised Loeffler for restoring financial responsibility to SBA’s loan programs.
    These responsible reforms were a great relief to Ernst and Williams, who previously raised concerns that the Biden administration’s rapid expansion of the 7(a) lending program was leaving taxpayers on the hook for risky lending practices by non-bank lenders.

    MIL OSI USA News –

  • MIL-OSI USA: VIDEO: On Fox Business, Cornyn Details Priorities for Bill Extending Trump Tax Cuts

    US Senate News:

    Source: United States Senator for Texas John Cornyn

    WASHINGTON – Today on Fox Business’ Mornings with Maria, U.S. Senator John Cornyn (R-TX) discussed his priorities for the reconciliation package, including cutting government spending, extending the Trump Tax Cuts, and leading the charge to reimburse the State of Texas for border security costs incurred during the Biden administration. Excerpts of Sen. Cornyn’s remarks are below, and video can be found here.

    “We’ve got a lot to do in this one big, beautiful bill, but this is our one chance to get not only an extension of the expiring tax provisions, but to cut some of the mandatory spending programs that have driven our debt to $37 trillion and to do other things like the President’s priorities that he campaigned on.”

    “It’s important that Texas get reimbursed for what was and is a federal responsibility, which is to secure the border—which didn’t happen during the Biden administration, so Governor Abbott and Texas leaders had to step up and fill that gap.”

    “We’re working with the President, the Speaker, and Senator Thune to get this done.”

    “If we were to fail—and we cannot fail—that would be a multitrillion-dollar tax increase on the American people, on top of 40-year high inflation as a result of the incredible spending spree that the Biden administration went on.”

    “Democrats are not going to help us at all. For some reason, they think a multitrillion-dollar tax increase is a good idea, but of course, they’re the party of bigger government.”

    “We want to cut the government. We want to cut federal spending. We want to bring down inflation, which was exacerbated by the spending spree that we saw the last four years.”

    MIL OSI USA News –

  • MIL-OSI USA: SBA Relief Available to Indiana Small Businesses and Private Nonprofits Affected by September Drought

    Source: United States Small Business Administration

    ATLANTA – The U.S. Small Business Administration (SBA) is reminding small businesses and private nonprofit (PNP)organizations of the May 30, deadline to apply for low interest federal disaster loans to offset economic losses caused by the drought beginning Sep. 24, 2024. 

    The disaster declaration covers Dearborn, Decatur, Fayette, Franklin, Jefferson, Jennings, Ohio, Ripley, Rush, Switzerland and Union counties in Indiana, as well as Boone County in Kentucky, and Butler and Hamilton counties in Ohio. 

    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. 

    EIDLs are available for working capital needs caused by the disaster and are available even if the small 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. 

    “Through a declaration by the U.S. Secretary of Agriculture, SBA provides critical financial assistance to help communities recover,” said Chris Stallings, associate administrator of the Office of Disaster Recovery and Resilience at the SBA. “We’re pleased to offer loans to small businesses and private nonprofits impacted by these disasters.”  

    The loan amount can be up to $2 million with interest rates as low as 4% for small 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. 

    The deadline to return economic injury applications is May 30, 2025. 

    ### 

    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, or 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: North Dakota Unveils New ND Icon

    Source: US State of North Dakota

    North Dakota’s new icon was unveiled at the 2025 North Dakota Travel Industry Conference. This icon is a colorful representation of the state’s geography, scenery, and spirit. It will be used in conjunction with the “Be Legendary” brand, which for more than 20 years has signified the state’s adventure, hospitality, and pioneering ambition.

    “The new ND Icon captures the essence of North Dakota – a place where our opportunities are as big as our skies, and our smiles are as bright as our sunsets,” said Commerce Tourism and Marketing Director Sara Otte Coleman. “It will serve as a powerful symbol of our shared identity and a source of pride for all North Dakotans.”

    The public was invited to participate in choosing the new icon through a widely advertised poll, which garnered over 10,000 responses, with 80% favoring the selected icon.

    The icon was designed in collaboration with state and local tourism officials and by the experienced marketing professionals at North Dakota advertising agency, The Good Kids. It is inspired by North Dakota’s vast and beautiful landscape, characterized by its wide-open spaces, stunning sunsets, and rural charm. It also draws upon the authentic and compelling voice of the “Be Legendary” brand:

    • Honest: Reflecting the state’s genuine and trustworthy character.
    • Real: Communicating in an approachable, conversational, and human style.
    • Spirited: Conveying the state’s energy, dynamism, and enthusiasm.
    • Optimistic: Expressing excitement about North Dakota’s future potential and the endless possibilities it offers.

    The icon will be used in a variety of applications to promote North Dakota and instill a sense of pride and unity among residents and help improve awareness for our state to attract visitors, businesses, and new residents.

    Get your own ND merchandise at https://belegendary.link/ShopND.

    MIL OSI USA News –

  • MIL-OSI USA: BERKS COUNTY – Shapiro Administration to Kick Off Small Business Week in Hamburg, Highlight Importance of Investing in Our Downtowns and Main Streets

    Source: US State of Pennsylvania

    May 02, 2025 – Hamburg, PA

    ADVISORY – BERKS COUNTY – Shapiro Administration to Kick Off Small Business Week in Hamburg, Highlight Importance of Investing in Our Downtowns and Main Streets

    Department of Community and Economic Development (DCED) Secretary Rick Siger will celebrate Small Business Week by touring downtown Hamburg and highlighting the important impact small businesses have on Pennsylvania’s economy. Governor Josh Shapiro has proclaimed May 4 through 10, 2025, as Small Business Week in Pennsylvania.

    Secretary Siger will also be announcing a new designation for the Berks County borough, highlighting a recent $100,000 investment through the Main Street Matters Program, and visiting local small businesses.

    The tour will include stops at the following: the Art & Craft Gallery of Hamburg, the Balthaser building, the Hamburg Item building, AEC Market, Liv Holistic, the Hamburg Strand Theater, Hazel’s Cafe, and the Hamburg Antique Center.

    Governor Shapiro created Main Street Matters to help revitalize downtowns, support small businesses, and strengthen local economies. The Governor, who recently announced investments in 81 community projects across Pennsylvania through the program, has included another $20 million in his 2025-26 budget proposal for this successful initiative.

    WHO:
    Rick Siger, DCED Secretary
    Deena Kershner, Executive Director, Our Town Foundation
    Lynn Weller, Assistant Director, Our Town Foundation
    Alyssa Mengel Wentz, Owner, AEC Market

    WHEN:
    Friday, May 2, 2025, at 10:00 AM

    WHERE:
    Our Town Foundation Office, 320 State Street, Hamburg, PA 19526

    VISUALS:
    Following brief remarks, Secretary Siger will join local leaders to visit with owners and employees of the above-mentioned small businesses. The walking tour will occur rain or shine.

    MEDIA RSVP:
    Press who are interested in attending should RSVP to dcedpress@pa.gov.

    MIL OSI USA News –

  • MIL-OSI Economics: AI agents in Copilot Chat are ready to assist teachers and students with routine tasks

    Source: Microsoft

    Headline: AI agents in Copilot Chat are ready to assist teachers and students with routine tasks

    Discover how Microsoft 365 Copilot Chat agents in education can enhance learning with personalized student support, instructor assistance, and more.

    AI is changing the way we work across a multitude of industries, and education is no exception. Agents—specialized AI assistants—take the power of generative AI a step further by allowing customization and the ability to work for you or alongside you. Agents in education can be tailored to support you with expertise in instructional design, unique student preferences, institutional data analysis, and many other tasks.

    Transforming education with Microsoft 365 Copilot Chat

    We believe there’s an opportunity to empower everyone with a copilot and transform education experiences with agents. That’s why we offer agents in Copilot Chat, available at no additional cost when referencing data from the web and on a pay-as-you-go basis when using institutional data. Agents are also available with a Microsoft 365 Copilot license.

    You can build an agent using natural language and additional configuration in Copilot Chat or get started with an agent template. With Copilot Chat, agents can be accessed and managed directly in the chat and enterprise data protection helps keep your experience safe and secure.

    Try agents in Copilot Chat

    Using Copilot Chat agents in education

    Whether you’re building a custom agent or taking advantage of agent templates, there are numerous ways that agents in Copilot Chat can make a positive impact on your day-to-day activities. Here are some of the ways eligible students, educators, administrators, and leaders can benefit from agents in Copilot Chat:

    • Provide immediate support – Answer commonly asked questions using your data sources and help navigate institutional resources in real-time. Agents can help troubleshoot IT issues, provide guidance from resources on school policies, programs, or processes like enrollment.
    • Generate tailored content – Create the materials you need based on your instructions and reference resources whether it’s a study guide, lesson plan, professional development, or school communication. Upload your files like standards, curriculum documents, guidelines, or requirements to tailor your agent for the task.
    • Test your knowledge – Build agents to help students succeed in their classes by designing them with specific instructions and materials. Agents can then support students as they study with custom quizzes, feedback, and practice through simulations of relevant real-world scenarios.
    • Uncover and dive into insights – Instantly summarize, analyze, and explore insights across multiple files or a folder of knowledge. Understand and ask questions about trends in your data across areas like student performance, finance, operations, or community feedback.
    Download the agent overview guide

    Using agent templates in Copilot Chat

    Microsoft 365 Copilot comes with a set of agent templates that are ready to use and perform a wide range of tasks to help support you. Here are a few existing agents that are ready to customize and use:

    • Idea Coach – Enhance brainstorming with fun and engaging agenda and action plans.
    • Prompt Coach – Create effective Copilot Chat prompts.
    • Writing Coach – Refine your writing to boost effectiveness.
    • Career Coach – Receive personalized career advice, goals, and action plans.

    Select “Get agents” in the right-side panel of Copilot Chat to find agent templates, including the ones above. You can search for specific agents or simply browse the library within Copilot Chat to find additional agents that work for you. Additionally, your institution may have created tailored agents for you to use.

    Creating agents in Copilot Chat

    It’s quick and easy to create customized agents in Copilot Chat. Here’s how to start building your own agents:

    1. Create an agent. Select “Create an agent” in the right-side pane of Copilot Chat to open the agent builder. You can create and name your new agent or choose a provided template.
    2. Define your agent’s instructions. Use the chat to describe what you’d like your agent to do. You should also include the style and tone it should use while completing tasks. For example: “Create an agent to help students in my Intro to Business Comms study and prepare for the midterm.”
    3. Configure your agent. If you’d like to make improvements or changes to your agent, you can add documents, data, and files to its knowledge base. You can also edit your agent’s instructions at any time to adjust its responses.
    4. Publish the agent. When you’re happy with your agent’s output, you can publish your agent for you and others in your institution to use. As the needs of your institution change, you can continue to adjust your agent or create new ones for different purposes.

    Here are some ways you can use your customized agents:

    • Answering frequently asked questions.
    • Helping new students navigate school resources.
    • Giving feedback based on existing rubrics or frameworks.
    • Explore insights from data in accessible ways.
    • Tailoring lessons to specific content, standards, or student needs.

    You can keep agents up to date by selecting “Create an agent” to open the agent builder and expanding the drop-down menu at the top to select “View all agents.” This will allow you to view, edit, and share agents within your institution and ensure they’re still meeting your needs.

    Managing agents in Copilot Chat for IT admins

    The key to successful agent management for IT administrators is understanding how agent usage is measured and billed. Each agent’s usage is tracked by the number of messages they handle, and the total cost for your institution is calculated based on the sum of these messages.

    For IT admins, purchasing messages is straightforward. You can buy them through the Copilot Studio meter in Microsoft Azure, which offers a convenient pay-as-you-go option. Once you’ve got your messages, Microsoft Power Platform admin center is where you’ll set up billing and assign message capacity to Copilot Chat and individual agents.

    Download the agent set up guide

    It’s important to note that agent message usage can vary. Factors such as an agent’s complexity, how frequently they’re used, and the specific features they employ all play a role in determining their message count. See a quick walkthrough of agent management within Microsoft Power Platform admin center and learn more about agent management.

    Agent innovation in education

    Agents in Copilot Chat offer ways to enhance and streamline your daily activities. You can build one using natural language or start with an agent template. Managing agents directly within Copilot Chat is designed to be seamless, and enterprise data protection helps keep your experience secure. Discover how agents can provide immediate support by answering common questions and navigating institutional resources, generate tailored content like study guides and lesson plans, and uncover valuable insights from your data.

    Try agents in Copilot Chat

    We’re excited to continue developing resources to support your use of AI in education. Whether you choose to create custom agents or use templates, Copilot Chat helps to ensure a secure and efficient way to make AI work for you. Explore how using agents in education can support your unique needs and help free up your time to focus on what matters most.

    MIL OSI Economics –

  • MIL-OSI Global: Whether GDP swings up or down, there are limits to what it says about the economy and your place in it

    Source: The Conversation – USA – By Sophie Mitra, Professor of Economics, Fordham University

    The price of eggs might mean more to some Americans than what’s going on with GDP. Scott Olson/Getty Images

    The Bureau of Economic Analysis released the latest U.S. gross domestic product data on April 30. In the first three months of 2025, it said, GDP contracted by 0.3%. The GDP growth rate captures the pace at which the total value of goods and services grows or shrinks. Together with unemployment and inflation, it usually receives a lot of attention as an indicator of economic performance.

    Some economists and analysts said the economy might not be as bad as this rate’s decline might suggest. While this is the first time in three years that GDP has shrunk instead of growing, it is a relatively small decline.

    This raises a critical question: Does a relatively small GDP contraction mean the economy is in trouble? I have spent much of my working life studying economic well-being at the level of individuals or families.

    What I’ve learned can offer a different lens on the economy than you’d get from just focusing on the most popular indicators, such as the GDP growth rate.

    GDP problems

    The GDP growth rate has many limitations as an economic indicator. It captures only a very narrow slice of economic activity: goods and services. It pays no attention to what is produced, how it is produced or how people assess their economic lives.

    GDP gets a lot of attention, in part, because of the misconception that economics only has to do with market transactions, money and wealth. But economics is also about people and their livelihoods.

    Many economists would agree that economics treats wealth or the production of goods and services as means to improve human lives.

    Since the 1990s, a number of international commissions and research projects have come up with ways to go beyond GDP. In 2008, the French government asked two Nobel Prize winners, Joseph Stiglitz and Amartya Sen, as well as the late economist Jean-Paul Fitoussi, to put together an international commission of experts to come up with new ways to measure economic performance and progress. In their 2010 report, they argued that there is a need to “shift emphasis from measuring economic production to measuring people’s well-being.”

    Considering complementary metrics

    One approach is to use a composite index that combines data on a variety of aspects of a country’s well-being into a single statistic. That one number could unfold into a detailed picture of the situation of a country if you zoom into each underlying indicator, by demographic group or region.

    The production of such composite indices has flourished. For example, the Human Development Index of the United Nations, started in 1990, covers income per capita, life expectancy at birth and education. This index shows how focusing on GDP alone can mislead the public about a country’s economic performance.

    In 2024, the U.S. ranked fifth in the world in terms of GDP per capita, but was in 20th place on the Human Development Index due to relatively lower life expectancy and years of schooling compared to other countries at the top of the list, like Switzerland and Norway.

    Monitoring other indicators

    Another approach is to rely on a larger number of indicators that are frequently updated. These other data points reflect a variety of perspectives about the economy, including subjective ones that convey personal perceptions and experiences.

    For instance, in addition to inflation rates, there is data on stress due to inflation as well as inflation expectations. Both offer insights into people’s perceptions, perspectives and experiences about inflation.

    During the COVID-19 pandemic, the annual U.S. inflation rate increased from 1% in July 2020 to 8.5% in July 2022. My research partners and I found, using U.S. Census data, that more than 3 in 4 adults in the U.S. were experiencing moderate or high levels of stress due to inflation at that time and continued to do so even after inflation went down in 2023.

    More recently, the Trump administration’s sporadic tariff changes have made future prices more uncertain, which exposes people to risks. That, in turn, makes people adjust their expectations and feel worse off.

    The share of consumers expecting higher inflation rates has climbed sharply in 2025, while consumer confidence has declined abruptly. About 1 in 3 consumers expect that there will be fewer jobs created in the next six months, which is almost as low as during the Great Recession of 2007-2009.

    Consumers also have negative expectations about their own future income and worry about their own economic status.

    At this moment, the U.S. economy has not officially entered a recession – which requires a longer period of GDP contraction than just one quarter. Although unemployment and inflation rates remain relatively low, the broad picture of the economy that takes into account people’s expectations and perceptions is troubling. To be clear, I’m not saying that just because of what the GDP data may indicate.

    This article includes material from an article originally published on Aug. 7, 2018.

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

    – ref. Whether GDP swings up or down, there are limits to what it says about the economy and your place in it – https://theconversation.com/whether-gdp-swings-up-or-down-there-are-limits-to-what-it-says-about-the-economy-and-your-place-in-it-255688

    MIL OSI – Global Reports –

  • MIL-OSI: Best Loans For Bad Credit in 2025 – By Low Credit Finance

    Source: GlobeNewswire (MIL-OSI)

    CHAMPLAIN, N.Y., May 01, 2025 (GLOBE NEWSWIRE) — Bad credit doesn’t mean you’re out of options—it just means you need to look in the right places. Many lenders now offer specialized loans tailored for those with less-than-perfect credit scores. These aren’t just high-interest traps; some provide realistic repayment terms, flexible criteria, and fast approvals. The key is knowing which ones are trustworthy and which ones to avoid.

    This article breaks down the best loans for bad credit. From secured personal loans to credit union alternatives and online platforms that factor in more than just your credit score, you’ll find practical choices that can actually help rebuild your financial standing. Each option listed here has been evaluated for transparency, approval speed, and fairness—so you can focus on borrowing without added stress.

    Getting the funds you need shouldn’t feel impossible. If you’ve been denied in the past, or are worried about predatory terms, this guide will point you toward lenders that still say yes—without punishing you in the long run. Let’s take a closer look at which loans make the most sense for bad credit borrowers in 2025.

    Low Credit Finance – Our No. 1 Pick for Bad Credit Loans in 2025 Guaranteed Approval

    After reviewing dozens of online lenders that cater to individuals with low credit scores, Low Credit Finance ranks as the top choice for bad credit loans in 2025. It offers a large loan range, minimal application friction, and fast turnaround times—making it a strong fit for people looking for emergency funds, debt consolidation, or unexpected expenses.

    Loan Amounts, APR Range, and Repayment Terms

    Low Credit Finance enables borrowers to request funds between $100 and $50,000, with APR rates ranging from 5.99% to 35.99%, depending on the lender match, loan type, and personal credit profile. Unlike many bad credit loan services that cap lending at $5,000 or impose narrow terms, Low Credit Finance provides access to a broader network of lenders, which increases the likelihood of finding a loan that fits specific needs.

    Repayment terms are not one-size-fits-all. Borrowers have flexibility to choose repayment plans that stretch over months or even years. This avoids the pressure of short balloon-style payments, a common drawback with other low-credit loan providers. The ability to repay on terms that suit your cash flow helps reduce the financial strain that often comes with unsecured loans.

    Why It’s the Top Pick

    Several reasons place Low Credit Finance above its competitors:

    • Inclusive Approval Process: All credit types are accepted. No minimum credit score is required to apply.
    • Fast Funding: If approved, borrowers can receive funds within 60 minutes—an edge over traditional banks and slower platforms.
    • Transparent APR Details: There are no hidden charges or surprise penalties. APR range is clearly disclosed upfront.
    • Flexible Loan Amounts: Few platforms allow bad credit borrowers to access amounts up to $50,000.
    • Simple Application: The online form takes only 2 minutes to complete, with no paperwork required.
    • Wide Lender Network: Low Credit Finance connects applicants with multiple lenders, increasing match potential.

    For people with a poor credit history, this service reduces the typical friction seen in traditional lending. It acts as a bridge between those in urgent need and lenders that evaluate more than just credit scores. The platform is designed to minimize barriers while keeping risk levels in check.

    Apply now at Low Credit Finance for fast bad credit loan offers>>

    What Is a Bad Credit Score?

    A bad credit score generally refers to a credit rating that falls below a lender’s acceptable range for offering loans at favorable terms. In most scoring models, such as FICO and VantageScore, a score below 580 is typically categorized as poor.

    Credit scores are built from several factors, including:

    • Payment history
    • Amount of debt
    • Length of credit history
    • Types of credit accounts
    • Recent credit inquiries

    When payments are missed, debts are too high compared to available credit, or accounts go into collections, the score drops significantly. A low score signals higher risk to lenders, making it difficult to obtain loans or resulting in loans with higher interest rates.

    Credit score categories typically break down like this:

    • Excellent: 800 and above
    • Very Good: 740 – 799
    • Good: 670 – 739
    • Fair: 580 – 669
    • Poor: 579 and below

    Financial setbacks, medical bills, unemployment, or limited credit history can all contribute to having a poor credit score. Rebuilding credit takes time through consistent, responsible use of financial products and services.

    Example Scenario: Who This Is Best For

    Consider an individual named Raj, who had a credit score of 580 due to past missed payments. He needed $8,000 to pay for urgent medical expenses and was rejected by his bank and two other online lenders. Through Low Credit Finance, he submitted a short application, was matched with a lender offering an 18-month loan term, and received the funds later that same day. Raj repaid the loan early without penalty, and his credit score improved after consistent repayments.

    This platform is best suited for:

    • Individuals with credit scores below 650
    • Those needing urgent loans for bad credit
    • Applicants looking for personal loans with bad credit
    • People who want flexible repayment plans
    • Borrowers uncomfortable with lengthy paperwork or branch visits

    Those seeking easy approval loans for bad credit often face inflated rates or exploitative contracts. Low Credit Finance provides a safer alternative with clear conditions and faster outcomes.

    What Are Bad Credit Loans?

    Bad credit loans are financial products specifically tailored for individuals with low or damaged credit scores. Traditional banks often deny applications based solely on credit scores. In contrast, bad credit loans are offered by lenders willing to assess the bigger financial picture, not just a number.

    These loans come in several forms:

    • Personal Loans: Lump-sum loans repaid in installments over a fixed term.
    • Secured Loans: Loans backed by collateral such as a car, savings account, or home.
    • Payday Alternative Loans: Short-term small loans typically offered by credit unions.
    • Peer-to-Peer Loans: Loans funded by individual investors rather than traditional financial institutions.

    Bad credit loans often carry higher interest rates to offset the lender’s risk. Some lenders also charge additional fees like origination fees, late payment penalties, or prepayment penalties. Reading the terms carefully before agreeing to a loan offer becomes important to avoid costly mistakes.

    These loans serve several purposes:

    • Emergency expenses
    • Debt consolidation
    • Major purchases
    • Medical bills
    • Business financing

    For many people with low scores, a bad credit loan is a necessary step toward financial stability. Responsible use of the funds and timely repayment can help improve the credit score over time.

    Eligibility & Application Process To Get A Loan With Bad Credit

    One major advantage of Low Credit Finance is the minimal entry barrier. It does not require a high credit score or long financial history. This makes it more accessible to borrowers who have been turned away elsewhere.

    Minimum Credit Score

    There is no official minimum credit score requirement to apply. The platform accepts applications from users with bad credit, fair credit, or even limited credit history. Approval depends on lender-specific factors like income, existing debts, employment status, and identity verification—not just credit score alone.

    This open-criteria approach allows for higher match rates and gives users a real opportunity to secure funds without needing to “fix” their credit first.

    Required Documents

    There is no need to upload scanned documents or visit a branch office. The entire process is digital. During the application, you may need to provide:

    • Full name and contact information
    • Proof of income or employment (self-reported)
    • Bank account details (to receive funds)
    • Valid identification (basic KYC)

    Lenders in the network may ask for additional verification, but this typically happens after initial approval and is done electronically.

    Approval Time and Disbursement

    One of the key highlights of Low Credit Finance is the speed of processing. After submitting the short online form, applicants receive an instant decision. If matched with a lender and approved, funds are often sent the same working day, and in many cases, within 60 minutes.

    This makes it one of the fastest personal loan options for bad credit available right now.

    Check your eligibility in 2 minutes—no credit score required.

    How to Apply Online

    The process to request funds is designed to be fast and intuitive:

    1. Select Loan Amount
      Choose from predefined loan ranges: $100–$1,000, $1,000–$2,500, up to $50,000.
    2. Complete the Form
      Provide your details through the secure online application form. It takes under 2 minutes to fill out.
    3. Get Matched & Review Terms
      If you’re matched, the lender will show the loan terms, including the interest rate, repayment schedule, and total repayment amount. You can choose to accept or decline.
    4. Receive Funds
      Once accepted, the lender transfers the loan directly to your bank account—typically within the hour.

    Pros

    • Wide Loan Range: You can request as little as $100 or as much as $50,000, offering flexibility depending on your needs.
    • Same Day Funding: If approved, the loan can arrive in your bank account in as little as 60 minutes.
    • No Minimum Credit Score: Applications are accepted from borrowers across all credit backgrounds, making it accessible.
    • Quick Application: Completing the online form takes under two minutes and requires no physical paperwork.
    • Transparent APR Range: Rates are openly disclosed between 5.99% and 35.99%, helping you make informed decisions.
    • Flexible Repayment Terms: You are able to repay the loan over a period that matches your budget, avoiding stress from tight deadlines.
    • Large Lender Network: Multiple lenders increases the chances of matching with an offer that fits your needs.
    • No Prepayment Penalties: Pay off your loan early without extra fees.
    • Safe, Encrypted Platform: Personal information remains protected during the application and loan disbursement process.

    Cons

    • Higher APR for Poor Credit: Applicants with very low credit scores may receive offers on the higher end of the APR spectrum.
    • Lender Variation: Loan terms, fees, and conditions vary depending on the specific lender you are matched with.

    Why It’s Hard to Get Loans with Bad Credit

    A low credit score can close a lot of financial doors. Most traditional lenders, including banks and credit unions, rely heavily on credit reports to assess the risk of lending money. A credit score below 580 is typically considered poor, while scores between 580 and 669 are classified as fair. Anything below 620 often triggers automatic denials from mainstream financial institutions.

    Lenders use credit scores to measure trust. Missed payments, defaults, high credit utilization, and past bankruptcies signal risk. As a result, people with these red flags often find themselves blocked from access to standard financial products.

    Banks prioritize security. If someone’s financial history suggests they might struggle to repay, the loan application rarely moves forward. This leads borrowers with low scores into the hands of alternative lenders, many of whom impose steep fees and sky-high interest rates to offset the risk. While some lenders are legitimate, others exploit desperation. They use confusing terms, aggressive marketing, and hidden charges to trap borrowers in cycles of debt.

    Traditional lending models don’t consider context. A single medical emergency or job loss can trigger missed payments, leading to a cascading effect on one’s score. That doesn’t always reflect current ability to repay—but many lenders don’t account for that nuance. This gap leaves a large segment of borrowers underserved, with few safe and realistic lending options.

    What to Look for in a Bad Credit Loan

    Not all loans are structured to punish. Some lenders design products specifically for borrowers with low scores. But selecting the right one requires more than checking the first result online. Here are the features that actually matter:

    Fair Interest Rates

    Many bad credit loans come with inflated APRs, often exceeding 100%. While higher rates are expected when risk is high, anything beyond 36% annual percentage rate is considered predatory by most experts. Responsible lenders cap their interest rates even for low-score applicants. When reviewing loan options, check the APR—not just the monthly installment. A low monthly payment stretched over several years may end up costing far more in the long run.

    Look for fixed-rate loans over variable ones. Variable interest can lead to ballooning payments if economic conditions shift. A fixed rate keeps repayment predictable and manageable.

    Also, be cautious of extremely short-term loans like payday loans. These may seem helpful at first, but the effective interest rates can reach 400% or more. They often lead to a cycle of repeat borrowing, which can be financially crippling.

    No Prepayment Penalties

    Some lenders penalize borrowers who pay off loans early. This might seem counterintuitive, but early repayment can reduce the lender’s interest earnings. Penalties come in different forms—flat fees, a percentage of the balance, or a sliding scale based on time left in the loan term.

    Avoid lenders that charge for being financially responsible. A borrower should be allowed to clear their debt faster without financial punishment. Transparent lenders make this clear in their terms and often advertise “no prepayment penalty” as a feature.

    Repaying a loan early saves money and improves credit scores. It’s an option that should remain open, especially for borrowers working to rebuild financial health.

    Soft Credit Checks or Alternative Criteria

    Many people avoid applying for loans out of fear that a hard inquiry will further lower their credit score. That fear is valid. A hard credit pull can shave off a few points, especially if the score is already low. That’s why it’s helpful to choose lenders who use a soft inquiry for pre-qualification.

    Soft checks don’t affect credit scores and give borrowers an idea of loan terms before committing. This makes shopping for loans less risky. It also gives borrowers the ability to compare multiple options without negative consequences.

    Some lenders also consider alternative data. This includes rental history, income stability, utility payments, or even educational background. A growing number of financial providers are recognizing that credit scores alone don’t offer the full picture. Lenders using alternative criteria can offer more inclusive terms that reflect a borrower’s actual financial behavior.

    When reviewing lenders, prioritize those who offer prequalification with a soft check. Avoid lenders who won’t disclose whether they use hard or soft inquiries until after the application is submitted.

    Fast Disbursement and Clear Terms

    Emergencies don’t wait. When a borrower needs funds quickly, loan disbursement speed matters. Some online lenders process applications and release funds within 24 to 48 hours. Others take a week or more. Always check expected timelines before applying—especially for urgent expenses like medical bills, rent, or car repairs.

    But speed shouldn’t come at the cost of clarity. Many bad credit loan providers advertise instant approvals and quick cash while burying fees in fine print. Borrowers should always understand:

    • The total repayment amount (principal + interest + fees)
    • Due dates and installment frequency
    • Penalties for late payments
    • Any upfront charges, including origination fees

    If the loan terms are vague, or hidden behind layers of conditions, that’s a red flag. A credible lender presents all terms in clear, easy-to-read language. Better yet, the loan agreement should be available before entering any binding commitment.

    Loan calculators can help here. Some sites allow borrowers to input loan amount, interest rate, and duration to see total costs before applying. These tools make it easier to avoid traps and pick loans with manageable repayment structures.

    It’s also worth checking customer service responsiveness. Can someone be reached if there’s a problem? Does the lender offer phone support, chat, or email help? A responsible loan provider offers accessible help—not just automated responses.

    How to Find Personal Loans for Bad Credit

    Finding a personal loan when credit is poor involves preparation, careful research, and avoiding predatory lenders. Borrowers should focus on options that are transparent and willing to work with their current credit standing.

    Steps to find a personal loan with bad credit:

    1. Know Your Credit Score

    Before applying, checking your current credit score provides a baseline for understanding what lenders will see. Some lenders specialize in specific score ranges. Knowing your score also prevents falling for offers that sound too good to be true.

    2. Research Lenders

    Look for lenders that publicly state they work with low credit score applicants. Focus on lenders offering personal loans for bad credit without excessive fees or unreasonable conditions. Reviews, Better Business Bureau ratings, and customer testimonials can provide insights into how a lender treats its clients.

    3. Prequalify When Possible

    Some lenders allow you to prequalify with a soft credit check. This gives a preview of potential loan offers without harming your credit score. Prequalification shows the likely loan amount, APR, and repayment terms based on your profile.

    4. Compare APRs and Fees

    The Annual Percentage Rate (APR) includes both the interest rate and any associated fees. A lower APR means a more affordable loan. Comparing several offers side-by-side ensures you get the best possible deal based on your situation.

    5. Understand Terms and Conditions

    Loan agreements often contain fine print about penalties, fees, and repayment structures. Understanding these details before accepting any offer prevents future issues.

    6. Be Ready to Offer Collateral

    If unsecured loans seem difficult to obtain, offering collateral such as a vehicle or savings account can improve approval odds and lower the interest rate.

    7. Avoid Payday Lenders

    Payday loans often trap borrowers in cycles of debt due to extremely high-interest rates and short repayment windows. Even with bad credit, better alternatives exist that are safer and more manageable.

    8. Consider a Co-Signer

    Having a trusted co-signer with better credit can open access to larger loan amounts and better rates. However, both parties must understand that the co-signer becomes equally responsible for the debt.

    Where to Find Bad Credit Loans

    Several types of lenders offer personal loans specifically designed for applicants with bad credit. Choosing the right source depends on the amount needed, speed of funding, and flexibility of repayment terms.

    1. Online Lenders

    Online lending platforms such as Low Credit Finance connect borrowers directly with a network of lenders. These platforms often have easier applications, faster decisions, and a broader acceptance of low scores compared to banks.

    Online lenders usually offer:

    • Quick prequalification
    • Soft credit checks
    • Same-day funding
    • Flexible loan amounts up to $50,000

    They have become a primary source for personal loans for bad credit due to their accessibility and speed.

    2. Credit Unions

    Credit unions are member-owned financial cooperatives that often provide more lenient lending standards. Many offer personal loans for members with low credit scores, sometimes at much lower APRs than traditional banks or online lenders. Membership might require living in a specific area or working for a certain employer.

    3. Peer-to-Peer Lending Platforms

    Peer-to-peer lenders connect borrowers directly with investors willing to fund loans. These platforms use different scoring systems, sometimes taking employment history, education, and debt-to-income ratio into account. Funding speed varies but can be competitive for borrowers seeking fair rates.

    4. Community Banks

    Some small community banks have bad credit loan programs designed to serve local residents. Though options may be limited, speaking directly with a loan officer could provide customized offers not found elsewhere.

    5. Nonprofit Lenders

    Certain nonprofit organizations provide low-interest personal loans to individuals struggling with bad credit. These programs are designed to promote financial inclusion and often come with financial education resources.

    FAQs About Bad Credit Loans

    Q. Is it possible to get a $3,000 loan with bad credit?

    Yes, getting a $3,000 loan with bad credit is possible. Many online lenders, credit unions, and alternative financing platforms offer loans based on factors like income and employment, not just credit scores. Lenders like Low Credit Finance can help you secure $3,000 quickly, even if your credit history isn’t perfect. Approval usually depends on proof of steady income and ability to repay.

    Q. What loans can I get with really bad credit?

    Even with very bad credit, you have several options. Secured loans backed by collateral, credit union loans, peer-to-peer lending, and personal loans through online platforms are all available. Some lenders focus more on your income and current financial situation rather than just your credit score. Using a co-signer can also help you access better loan offers.

    Q. Can I get a loan with a 500 credit score?

    A 500 credit score still leaves you eligible for certain loans. Online lenders, credit unions, and bad credit specialists often approve borrowers with scores around 500. You may face higher interest rates, but stable income, low existing debts, or a co-signer can improve your loan terms. Always compare different lenders to find the most reasonable offer.

    Q. What credit score is needed for a $5,000 loan?

    Many lenders require a minimum score around 580 to approve a $5,000 loan, although requirements can vary. Traditional banks prefer higher scores, but online platforms and credit unions are more flexible. If your score is under 600, showing strong income and a low debt-to-income ratio can improve your chances of securing $5,000 at a fair rate.

    Q. Who can give me money right now?

    Online lending platforms such as Low Credit Finance can connect you to lenders offering same-day funding. Completing a short application can result in instant decisions, and approved borrowers often receive funds within 60 minutes. If you need money urgently, online lenders are usually faster than banks or credit unions, provided you meet their minimum eligibility.

    Conclusion: Is This Loan Right for You?

    Low Credit Finance provides an opportunity for borrowers who need fast, flexible funding without facing the traditional barriers placed on those with bad credit. It matches a wide range of applicants to lenders ready to offer loans without demanding perfect financial histories.

    This platform suits you if:

    • You need access to up to $50,000 quickly
    • Your credit score is below 650
    • You prefer an application that requires no paperwork
    • You want fast approval decisions with same-day funding
    • You are comfortable with reviewing lender terms independently before accepting an offer

    Low Credit Finance bridges a major gap left by traditional banks and smaller online lenders. The transparent APR range, large borrowing limits, and quick application make it an ideal solution for emergency needs, debt consolidation, or covering large expenses.

    Applicants should remember that loan offers can vary depending on individual profiles. Comparing the terms, rates, and repayment conditions carefully ensures the loan remains manageable and affordable.

    If you are ready to apply, the process is simple: select your desired loan amount, complete the quick online form, and review the matched offers. Low Credit Finance brings you closer to securing the funds you need without unnecessary delays.

    Media Details:

    Company: Low Credit Finance

    Full Company Address: 102 W Service Rd, Apt: 820, Champlain, NY 12919

    Company Website: https://lowcreditfinance.com/

    Contact Person: David C. Hans

    Official Email ID: David.hans@lowcreditfinance.com

    Disclaimer: This announcement contains general information about Low Credit Finance services and should not be considered financial advice. Low Credit Finance services does not guarantee loan approval, and loan terms may vary by applicant and lender requirements. Loans are available to U.S. residents only.

    A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/89176a9c-6390-41f6-a2fe-e4b691dd606c

    A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/15d5aa19-5447-4948-a453-7c57085de8c0

    The MIL Network –

  • MIL-OSI USA: House Small Business Committee Passes Alford’s Returning SBA to Main Street Act

    Source: United States House of Representatives – Representative Mark Alford (Missouri 4th District)

    Today, the House Small Business Committee passed Oversight, Investigations, and Regulations Subcommittee Chairman Mark Alford’s (MO-04) H.R. 2027, the Returning SBA to Main Street Act by a vote of 15-11. This legislation will decentralize the Small Business Administration (SBA) by relocating 30% of SBA D.C. headquarters employees across the country to be closer to the Americans they serve.

    The Senate version of this bill is led by Senate Small Business and Entrepreneurship Committee Chair Joni Ernst (R-IA).

    Watch Rep. Alford’s remarks at the Small Business Committee in support of is legislation here or by clicking the image above.

    “We are on step closer to giving rural small businesses in Missouri’s Fourth District and across our great nation a seat at the table,” said Subcommittee Chairman Alford. “By passing our Returning SBA to Main Street Act out of Committee, Republicans are making it clear to small business owners: the days of empty SBA headquarters, unanswered phone calls, and inadequate access to capital and counseling are over. I thank Chairman Williams for his leadership and support, and Senator Ernst for her partnership. I look forward to passing this critical legislation on the House floor to drain the swamp and ignite a new golden age for American job creators.”

    “Small businesses across the country are faced with unique challenges. Despite this, the SBA is not located on Main Street, but instead, centralized in Washington, D.C.,” said House Small Business Committee Chairman Roger Williams (TX-25). “I want to thank Rep. Alford for introducing the Returning SBA to Main Street Act, which passed out of Committee today. By moving Agency employees to Main Street, this bill will ensure the SBA is more responsive and in tune with small businesses nationwide.”

    Read the full text of the legislation here.

    Background:

    According to a 2023 Government Accountability Office (GAO) study, SBA headquarters was operating at a mere 10% capacity under the previous administration. This, combined with lax telework policies, prevented the SBA from fully fulfilling its statutory mandate. Our office has received countless complaints from constituents unable to get basic SBA services.

    The Returning SBA to Main Street Act complements the work of the Trump Administration’s Department of Government Efficiency (DOGE) by saving taxpayer money on unused office space, making SBA interactions with small businesses more efficient, and improving SBA’s customer service.

    ###

    MIL OSI USA News –

  • MIL-OSI: Aurora Payments Appoints Embedded Commerce Leader John Badovinac

    Source: GlobeNewswire (MIL-OSI)

    LAS VEGAS, May 01, 2025 (GLOBE NEWSWIRE) — Aurora Payments, a full-service payment technology provider, today announced the appointment of John Badovinac as Senior Vice President of Embedded Commerce. A proven leader in the payments space, Badovinac will oversee Aurora’s embedded and integrated payments strategy, with a focus on accelerating growth through ISV, SaaS, and ecommerce partner ecosystems

    Badovinac brings over 25 years of go-to-market experience across the full spectrum of payments services, including integrated ISV payments, merchant acquiring, value-added resellers, EMV certification, and point-of-sale systems.

    “John is a respected leader in the integrated payments space with deep relationships and a unique understanding of how to bring value to software platforms and partners,” said Derek Dean, CRO at Aurora Payments. “His ability to drive strategy while building trusted, long-term partnerships will be instrumental as we expand our embedded commerce capabilities.”

    Prior to joining Aurora, Badovinac led the B2B Channel at Fortis, where he was responsible for business strategy, revenue growth, and partner success across the company’s ISV and VAR segments. He also held senior roles at International Bancard, TSYS, and Discover Financial Services, where he played a foundational role in developing integrated payments solutions and establishing go-to-market motions with ISVs and payment facilitators.

    Badovinac joins Aurora at a pivotal moment as the company continues to scale its ARISE platform, expand its partner ecosystem, and bring seamless, intelligent payments infrastructure to ISVs, vertical SaaS providers and traditional businesses alike.

    “What drew me to Aurora is the team’s bold vision, the strength of the platform, and the opportunity to truly enable software platforms to grow revenue,” said Badovinac. “I’m thrilled to join an organization of proven and decisive leaders that are committed to innovation and to building meaningful relationships with its partners.”

    This appointment marks the latest investment in Aurora’s leadership team, following the recent addition of Avin Arumugam as Chief Product Officer and Derek Dean as Chief Revenue Officer.

    About Aurora Payments

    Aurora Payments is a united network of processing, technology, and payments solutions, supporting over 27,000 merchants and $12 billion in annual processing volume. Founded in 2005, Aurora has carved out leadership in several industries through its innovative products, exceptional service, and deep vertical expertise. The company’s proprietary platforms —ARISE, RISE CRM, Calendarise, and NailSoft—are cloud-based solutions designed to simplify payments and operations for small and midsize businesses. Headquartered in Las Vegas, Aurora Payments is backed by Corsair, a leading private equity firm focused on payments, software, and financial service investments.

    Follow Aurora Payments on LinkedIn or X, or learn more at https://risewithaurora.com.

    Contacts
    Media Contacts:
    Dominic Litten
    SVP, Marketing and Partnerships
    +1 2165132935
    Dom.Litten@risewithaurora.com

    A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/8127d210-49f2-4a49-84a1-0e0257335550

    The MIL Network –

  • MIL-OSI USA: Governor Stein Announces $55 Million in Grants Have Been Distributed to Nearly 3,000 Western North Carolina Businesses

    Source: US State of North Carolina

    Headline: Governor Stein Announces $55 Million in Grants Have Been Distributed to Nearly 3,000 Western North Carolina Businesses

    Governor Stein Announces $55 Million in Grants Have Been Distributed to Nearly 3,000 Western North Carolina Businesses
    lsaito

    Raleigh, NC

    Today Governor Josh Stein announced that the Dogwood Health Trust, the Duke Endowment, and the State of North Carolina have distributed $55 million to 2,812 small businesses through the Western North Carolina Small Business Initiative. These grants are supporting western North Carolina businesses impacted by Hurricane Helene and bolstering regional economic recovery. More than 7,300 businesses applied.

    “These grants will go a long way in helping western North Carolina’s beloved small business owners keep their doors open after Helene,” said Governor Josh Stein. “But the volume of unfunded applications makes it crystal clear – more help is desperately needed. I’m ready to work with the legislature to deliver support for small businesses that power our mountain economy.”

    “The Dogwood Health Trust is proud of this partnership’s work to support small business owners in western North Carolina,” said Dogwood President and CEO Dr. Susan Mims. “The Dogwood Health Trust created the Western North Carolina Small Business Initiative last fall as part of our larger Helene relief efforts. These businesses are vital to the health of our communities, and we must continue to support them.”

    The Western North Carolina Small Business Initiative, initiated by the Dogwood Health Trust and then expanded by the State of North Carolina and the Duke Endowment, awarded grants of up to $50,000 to small business with an annual revenue of up to $2.5 million. Earlier this week, Governor Stein announced the new $55 million Small Business Infrastructure Grant Program, which directs up to $1 million in grants to local governments to rebuild public infrastructure like sewers and sidewalks, which small businesses rely upon to attract business. Governor Stein’s second Hurricane Helene relief budget proposal will include increased support for small businesses in western North Carolina. 

    May 1, 2025

    MIL OSI USA News –

  • MIL-OSI Security: FIVE PEOPLE SENTENCED FOR FRAUD AND IDENTITY THEFT TARGETING ELDERLY RETIRED FLORIDA SCHOOL DISTRICT EMPLOYEES

    Source: Office of United States Attorneys

    TALLAHASSEE, FLORIDA – Five defendants who were convicted of a conspiracy scheme to defraud the retirement accounts of elderly and retired Florida school district employees have been sentenced after three defendants pleaded guilty and two defendants were found guilty by a federal jury. Michelle Spaven, Acting United States Attorney for the Northern District of Florida, announced the sentences of the following defendants:

    • Lambert Aguebor, 33, of Miramar, Florida, has been sentenced to 71 months in federal prison after previously being found guilty by a federal jury of Conspiracy to Commit Wire Fraud and Conspiracy to Commit Money Laundering.
    • Floyd Bostic, 42, of Tallahassee, Florida, has been sentenced to 87 months in federal prison after previously being found guilty by a federal jury of Conspiracy to Commit Wire Fraud, three counts of Wire Fraud, Aggravated Identity Theft, and Conspiracy to Commit Money Laundering, 16 counts of Money Laundering, and Operating an Unlicensed Money Transmitting Business.
    • Grace Aguebor, 36, of Miramar, Florida, has been sentenced to 70 months in federal prison after previously pleading guilty to Conspiracy to Commit Wire Fraud and Aggravated Identity Theft.
    • Ronald Vargas, 38, of Osteen, Florida, has been sentenced to 24 months in federal prison after previously pleading guilty to Conspiracy to Commit Wire Fraud, Aggravated Identity Theft, and Conspiracy to Commit Money Laundering.
    • Sarina Levy, 34, of Pembroke Pines, Florida, has been sentenced to 6 months and 1 day in federal prison, to be followed by 6 months of home detention, after previously pleading guilty to Conspiracy to Commit Wire Fraud and Aggravated Identity Theft.

    “Americans are fed up with the constant barrage of scams that maliciously target the elderly,” said Acting United States Attorney Spaven. “With the assistance of our dedicated law enforcement partners, we are committed to investigating and aggressively prosecuting those who seek to steal the hard-earned savings of our senior citizens.”

    Evidence presented at trial and court records show that Vargas worked as a Retirement Specialist at a Tallahassee-based company that administers a retirement 401(k) savings program whose participants are comprised largely of Florida school district employees or prior employees. Between January 2022, and March 2022, Vargas conspired with siblings Grace Aguebor and Lambert Aguebor to steal the retirement funds from the accounts of elderly retired school district employees—some of whom were deceased. Through his position, Vargas had access to the retired employees’ personally identifiable information (“PII”) and oversaw the processing of withdrawal requests from the 401(k) accounts. Vargas provided Grace and Lambert with PII of elderly 401(k) participants whose retirement accounts appeared to be dormant so the PII could be used to prepare fraudulent withdrawal request forms for these accounts.

    The fraudulent withdrawal request forms were then faxed to the company where Vargas worked so he could process them. Grace and Bostic personally faxed some of the fraudulent withdrawal request forms; in other cases, the fraudulent forms were given to other conspirators, including Levy, to fax. Once Vargas processed the forms, the stolen retirement funds were transferred to bank accounts controlled by Grace, Bostic, and other conspirators. In total, the conspirators withdrew and attempted to withdraw retirement funds from 25 different 401(k) accounts, resulting in a net total of $1.1 million actually being stolen.

    Evidence presented to the jury showed that Bostic also served as a money launderer who received over half of the stolen funds into his personal bank accounts and those of his Tallahassee-based music promotion businesses. Bostic then transferred some of the stolen funds between his various bank accounts in an effort to conceal or disguise its nature, location, source, or ownership. Evidence also showed that Bostic used some of the stolen funds to purchase a residence and pay for his personal and business expenses. Bostic also withdrew over $400,000 worth of stolen funds in cash at various banks and ATMs in Tallahassee and central Florida. The jury also saw evidence which showed that Bostic communicated and coordinated with Lambert Aguebor about the transfer of the stolen funds and to arrange meetings in central Florida.

    In addition to their prison sentences, the defendants were ordered to pay restitution totaling approximately $1,000,000 to the victims. The defendants’ imprisonment will be followed by three years of supervised release.

    This case resulted from a joint investigation by the Tallahassee Police Department and the Federal Bureau of Investigation. The case was prosecuted by Assistant United States Attorney Justin M. Keen.

    “Motivated by sheer greed, these individuals conspired to take advantage of Florida’s public servants, and their punishments mark an important step in holding these fraudsters accountable,” said FBI Jacksonville Acting Special Agent in Charge Jason J. Carley. “Fraud and corruption pose a fundamental threat to our national security and our way of life, and the FBI and our partners will continue to identify and bring to justice anyone who takes advantage of hardworking Americans, and especially educators who dedicate their lives to supporting our children.”

    “As law enforcement professionals, it is our duty to protect our community, especially our most vulnerable members, from those who seek to exploit them for personal gain,” said Chief Lawrence Revell of the Tallahassee Police Department. “This case is a clear example of how greed can drive individuals to harm others, and we remain committed to working alongside our federal partners to ensure those who commit such crimes are held accountable.”

    If you or someone you know is age 60 or older and has experienced financial fraud, experienced professionals are standing by at the National Elder Fraud Hotline 1-833-FRAUD-11 (1-833-372-8311). This Justice Department hotline, managed by the Office for Victims of Crime, can provide personalized support to callers by assessing the needs of the victim and identifying relevant next steps. Case managers will identify appropriate reporting agencies, provide information to callers to assist them in reporting, connect callers directly with appropriate agencies and provide resources and referrals, on a case-by-case basis. Reporting is the first step. Reporting can help authorities identify those who commit fraud and reporting certain financial losses due to fraud as soon as possible can increase the likelihood of recovering losses. The hotline is open Monday through Friday from 10:00 a.m. to 6:00 p.m. ET. English, Spanish, and other languages are available.

    More information about the department’s efforts to help American seniors is available at www.justice.gov/elderjustice. For more information about the Consumer Protection Branch and its enforcement efforts visit www.justice.gov/civil/consumer-protection-branch. Elder fraud complaints can be filed with the FTC at www.reportfraud.ftc.gov/ or at 877-FTC-HELP. The Justice Department provides a variety of resources relating to elder fraud victimization through its Office for Victims of Crime, at www.ovc.gov.

    The United States Attorney’s Office for the Northern District of Florida is one of 94 offices that serve as the nation’s principal litigators under the direction of the Attorney General.  To access public court documents online, please visit the U.S. District Court for the Northern District of Florida website. For more information about the United States Attorney’s Office, Northern District of Florida, visit http://www.justice.gov/usao/fln/index.html.

    MIL Security OSI –

  • MIL-OSI Economics: Release wave brings hundreds of updates to Microsoft Dynamics 365 and Power Platform

    Source: Microsoft

    Headline: Release wave brings hundreds of updates to Microsoft Dynamics 365 and Power Platform

    The next wave of innovation for Microsoft Dynamics 365 and Microsoft Power Platform starts today. This morning, at the Microsoft Business Applications Launch Event, we are officially launching the 2025 release wave 1, a six-month rollout of new and enhanced capabilities that will be rolled out between April 2025 and September 2025.

    This release wave comes at an exciting moment, in a year marked by rapid advancements in AI. Microsoft Copilot and agents are at the heart of this release wave, promising to transform how we all work and to help elevate organizations into AI-first companies. New Copilot and agent capabilities showcased at today’s event will help you to improve business processes, enhance customer engagement, and empower your workforce to automate tasks.

    Watch the Microsoft Business Applications Launch Event to hear directly from product teams as they share demos and real customer stories that showcase the newest features in action. Companies like Eneco, Intralox, Apollo Travel, Murdoch’s Ranch & Home Supply, Pro Refrigeration Incorporated, and State Farm are leveraging these features to drive transformation.

    Explore the Microsoft Business Applications Launch Event

    Create your own autonomous agents with Microsoft Copilot Studio

    In this release wave, Copilot and agents take center stage with even more functionalities to help organizations transform their operations and deliver exceptional customer experiences. At the event, we are showcasing custom agents that can autonomously conduct a range of processes across sales, service, finance and supply chain functions.

    Explore agents pre-built for you in Microsoft Copilot Studio

    Read the blog

    Microsoft Copilot Studio serves as the foundation for agents, making it easy to customize and build your own customer and internal facing agents using your data and workflows. In addition, upcoming pre-built agents for Dynamics 365 are ready to customize and launch, accelerating your time to value. Stay tuned for blog updates and deep dives about Copilot and agent capabilities during this release wave.     

    Transform customer experiences with AI agents

    AI is transforming every aspect of customer experience, from rethinking user experience and business processes to the way apps are built and maintained. The 2025 release wave 1 features Dynamics 365 customer experience apps designed to help you deliver connected and personalized experiences for customers.  

    Microsoft Dynamics 365 Sales brings the power of AI to help sellers meet their targets while boosting seller productivity. Copilot and agents enhance performance and simplify tasks to help grow your pipeline, sharpen strategies, and accelerate deals. A re-imagined user experience ensures sellers never miss the best move to close a deal. And automated research, ongoing follow-ups, and prioritized tasks provide continuous guidance—allowing you to focus on the right actions to drive success and grow your business. 

    Dynamics 365 Sales introduces new Copilot and agent capabilities to research and prioritize inbound leads, initiate sales conversations, and develop personalized sales engagements. These features help your teams to simplify tasks to help grow your pipeline, sharpen strategies, and accelerate deals.

    During the launch event, we showcase how Intralox, an industry leader in complex conveyance solutions, is leveraging the sales qualification agent in Dynamics 365 Sales to help qualify leads, build stronger relationships with customers, and close deals faster.

    New functionalities for Microsoft Dynamics 365 Customer Service and Microsoft Dynamics 365 Contact Center include Microsoft Teams phone integration, which helps to reduce telephony complexity, proactive conversational journeys, and three agents that work in concert to create an autonomous contact center. These agents automate intent determination, manage the case lifecycle from creation to closure, and convert cases and related conversations into knowledge articles to support your contact center operations.

    Learn how Apollo Travel, a subsidiary of European travel leader Dertour Group, is using Dynamics 365, Microsoft Power Platform, Microsoft Copilot, and agents to automate a range of processes—from generating hotel descriptions to developing chatbots for case summarization. In addition, using Dynamics 365 Contact Center with Dynamics 365 Customer Insights, Apollo Travel can now leverage custom-built agents to proactively reach out to customers with personalized recommendations, adding value to the customer’s travels and opportunities for upselling additional services. This experience is enabled through new proactive engagement activities such as SMS or phone calls, helping to create personalized journeys in real-time.

    Explore the release plans for:

    Optimize workflows with autonomous ERP

    Today’s launch also showcases innovation across ERP solutions that is leading organizations into a new era of autonomous operations—where humans and agents work together to drive increased efficiency across business processes.

    To support autonomous financial operations, Dynamics 365 Finance introduces the Account Reconciliation Agent, along with a new financial task workspace to help teams manage and track recurring processes like period close with greater structure and visibility.

    In Dynamics 365 Project Operations, new capabilities will simplify time, expense, and approvals; accelerate scenario planning with what-if analysis; and improve planning accuracy with customizable task details. Dynamics 365 Human Resources will add AI-powered candidate assessment to help hiring teams identify top applicants faster by comparing resumes to job requirements, and a new onboarding agent that guides new hires through personalized onboarding journeys directly within Microsoft Teams.​

    In Dynamics 365 Commerce and Dynamics 365 Supply Chain Management, we’re delivering new tools to enhance pricing strategy and procurement efficiency. Unified pricing management enables organizations to centralize omnichannel pricing across segmentation, channel-specific rules, and price trees. At the launch event, we showcase how Murdoch’s Ranch & Home Supply is using the new Supplier Communications Agent in Dynamics 365 Supply Chain Management to reduce manual vendor follow-ups and improve purchase order accuracy.​

    We also feature how Pro Refrigeration Incorporated is using the Sales Order Agent in Dynamics 365 Business Central to process customer orders faster and improve responsiveness. Business Central also adds the integration with Dynamics 365 Field Service, new Copilot summarization capabilities and Scope 3 emissions tracking to help organizations meet sustainability goals.

    Updates include Copilot-first experiences in Dynamics 365 Finance to streamline complex tax and compliance management and automate account and bank reconciliations using intelligent agents. Dynamics 365 Supply Chain Management introduces integrated AI, analytics, and automation features to improve operational efficiency, enhanced supplier communication, demand planning accuracy, and intelligent manufacturing features that align production data to real-world processes.

    Microsoft Dynamics 365 Business Central also adds the integration of Field Service with service management, as well as the ability to enhance purchase order line matching with Copilot.  

    Explore the release plans for:

    Redefine development: AI-first innovation in Microsoft Power Platform

    Microsoft Power Platform continues to empower everyone to build their own AI-powered solutions through low-code or no-code tools with new features. Microsoft Power Apps is changing how software solutions are built with plan designer, enabling makers to build an end-to-end solution plan from simply describing their business problems, generating business requirements, data tables, and suggested solution architecture. 

    Microsoft Copilot Studio brings together the best AI innovations into a single low-code agent platform so that you can build amazing things. New capabilities like Agent Flows and Deep Reasoning expand the frontier of agents you can build, while new text and generative AI tools give you the ability to direct agents in specialized ways. The general availability of triggers and generative orchestration enables new categories of autonomous agents to transform business processes. We also are introducing more tools to optimize your agents including new diagnostics, testing, and performance analytics.

    Explore the release plans for:

    Watch the virtual Microsoft Business Applications Launch Event

    Watch the Microsoft Business Applications Launch Event to discover the latest in Dynamics 365 and Microsoft Power Platform. You’ll get access to in-depth demos of new autonomous agents and other capabilities designed to optimize your workflows and streamline operations.

    Don’t forget to review the detailed release plans for Dynamics 365 and Microsoft Power Platform. Stay updated on the latest features and upcoming enhancements, and create your personalized release plan using the release planner to ensure you’re equipped with the knowledge needed to maximize on this new release wave.

    We look forward to seeing how capabilities in this release wave enhance your business processes and bring new levels of efficiency and customer success.  

    MIL OSI Economics –

  • MIL-OSI: BexBack Launches Game-Changing 100x Leverage, No KYC, and $100 Trading Bonus for New Traders

    Source: GlobeNewswire (MIL-OSI)

    SINGAPORE, May 01, 2025 (GLOBE NEWSWIRE) — As the cryptocurrency market experiences increased volatility, BexBack, a leading cryptocurrency derivatives platform, is offering traders unparalleled opportunities to maximize their profits. With Bitcoin surging to new highs, reaching $95,000, BexBack is at the forefront, helping both new and experienced traders capitalize on the market’s fluctuations. The platform provides up to 100x leverage, no KYC, and exclusive bonuses, redefining the way crypto trading is done.

    Why Choose BexBack?

    BexBack is designed to offer more than just a simple trading platform. Its innovative features empower traders to take control of their investments with enhanced flexibility, safety, and profitability. Key advantages of the platform include:

    1. No KYC Requirement: Users can start trading immediately without undergoing complicated identity verification processes, ensuring maximum privacy.
    2. 100x Leverage: BexBack provides up to 100x leverage on Bitcoin, Ethereum, Solana, and more, allowing traders to open larger positions with smaller capital and maximize profit potential in volatile market conditions.
    3. Exclusive Bonuses:
      • $100 Trading Bonus: New users who deposit at least 0.01 BTC or 1000 USDT and complete their first trade will receive a $100 bonus, helping them get started with trading and offset potential losses.
      • 100% Deposit Bonus: Double your funds with a 100% deposit bonus, which can be used as margin for increased trading power. While this bonus is non-withdrawable, it can significantly amplify profits by allowing traders to open larger positions.
    4. Zero Deposit Fees: There are no deposit fees on the BexBack platform, giving traders more freedom to manage their investments without worrying about additional costs.

    How Does 100x Leverage Work?

    100x leverage allows traders to open positions much larger than their initial investment, enabling them to profit from even small price movements in the market. For example, if the price of Bitcoin rises by $5,000, a trader using 100x leverage can earn up to 5 BTC from a 1 BTC investment, resulting in a 500% return. However, traders should be cautious, as higher leverage also increases the risk of liquidation.

    Global Access and 24/7 Support

    BexBack is accessible to users across the globe, including in the United States, Canada, Europe, and many other regions. The platform is available via both web and mobile applications, offering users a feature-rich, seamless trading experience wherever they are. Additionally, BexBack offers 24/7 customer support to assist traders with any questions or issues they may encounter.

    The Future of Crypto Trading

    BexBack continues to innovate, offering traders the tools they need to succeed in the ever-changing world of cryptocurrency. The platform’s commitment to providing high-leverage trading, a user-friendly interface, and robust customer support has quickly earned it a reputation as a trusted platform in the global crypto community.

    Join BexBack Today

    If you’re ready to take your crypto trading to the next level, now is the time to act. With 100x leverage, a 100% deposit bonus, and the opportunity to earn a $100 trading bonus, BexBack is the perfect platform for those seeking to capitalize on the current crypto market trends.

    Sign up now and start trading with BexBack today!

    About BexBack?

    BexBack is a leading cryptocurrency derivatives platform that offers 100x leverage on BTC, ETH, ADA, SOL, and XRP futures contracts. It is headquartered in Singapore with offices in Hong Kong, Japan, the United States, the United Kingdom, and Argentina. It holds a US MSB (Money Services Business) license and is trusted by more than 500,000 traders worldwide. Accepts users from the United States, Canada, and Europe. There are no deposit fees, and traders can get the most thoughtful service, including 24/7 customer support.

    Website: www.bexback.com

    Contact: business@bexback.com

    Contact:
    Amanda
    business@bexback.com

    Disclaimer: This content is provided by BexBack. The statements, views, and opinions expressed in this content are solely those of the content provider and do not necessarily reflect the views of this media platform or its publisher. We do not endorse, verify, or guarantee the accuracy, completeness, or reliability of any information presented. We do not guarantee any claims, statements, or promises made in this article. This content is for informational purposes only and should not be considered financial, investment, or trading advice. Investing in crypto and mining-related opportunities involves significant risks, including the potential loss of capital. It is possible to lose all your capital. These products may not be suitable for everyone, and you should ensure that you understand the risks involved. Seek independent advice if necessary. Speculate only with funds that you can afford to lose. Readers are strongly encouraged to conduct their own research and consult with a qualified financial advisor before making any investment decisions. However, due to the inherently speculative nature of the blockchain sector—including cryptocurrency, NFTs, and mining—complete accuracy cannot always be guaranteed.
    Neither the media platform nor the publisher shall be held responsible for any fraudulent activities, misrepresentations, or financial losses arising from the content of this press release. In the event of any legal claims or charges against this article, we accept no liability or responsibility. Globenewswire does not endorse any content on this page.

    Legal Disclaimer: This media platform provides the content of this article on an “as-is” basis, without any warranties or representations of any kind, express or implied. We assume no responsibility for any inaccuracies, errors, or omissions. We do not assume any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information presented herein. Any concerns, complaints, or copyright issues related to this article should be directed to the content provider mentioned above.

    Photos accompanying this announcement are available at
    https://www.globenewswire.com/NewsRoom/AttachmentNg/f1ff86a4-36f8-4db0-a81f-f1d07e85e3c0
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    The MIL Network –

  • MIL-OSI USA: Ricketts Spends State Work Period Fighting for Nebraska Priorities

    US Senate News:

    Source: United States Senator Pete Ricketts (Nebraska)

    WASHINGTON, D.C. – Yesterday, U.S. Senator Pete Ricketts (R-NE) highlighted his efforts to fight for Nebraska priorities during the recent Senate state work period. Ricketts led a bipartisan delegation trip to the Philippines and Taiwan focused on deterring Communist China. Trade issues were also discussed. He then held a series of public events in Nebraska. Those included town halls in Scottsbluff, Valentine, and Kearney. He made the following comments while on a conference call with Nebraska media:

    “Before Easter, I visited the Philippines and Taiwan,” said Ricketts. “I met with the leaders in both those countries. We discussed ways to push back on Communist China’s aggression. Communist China is our greatest external threat.”

    Ricketts also underscored the potential for expanded trade opportunities for Nebraska agriculture producers.

    “There is a lot of interest in signing new trade deals,” said Ricketts. “For example, Taiwanese Vice President Hsiao expressed an interest in buying more of our soybeans instead of buying them from Brazil. Others expressed interest in buying more of our natural gas. They know Communist China is a bad trading partner. They want to work with us. There’s a lot of opportunity. We need to start cutting these trade deals.”

    In addition, Ricketts recapped the many public events he held across Nebraska. This included three town halls, roundtable conversations in Grand Island and Scottsbluff, a cattle branding in Sioux County, and events in Lincoln with Nebraska Farm Bureau and the Lincoln Chamber of Commerce.

    “I shared how I’m working with President Trump to secure the southern border, protect the 2017 tax cuts, and support Nebraska agriculture,” continued Ricketts. “I gave an update on how I’m fighting to address our $36 trillion national debt – which is our greatest domestic threat. I also heard feedback and answered questions directly from Nebraskans. These conversations help me stay connected to the priorities and values of my constituents.”

    [embedded content]

    Watch the video here

    TRANSCRIPT:

    Senator Ricketts: “Over the last two weeks, I focused on some of the priorities that we face now as a nation. 

    “For example, specifically deterring China and tackling our debt.

    “Before Easter, I visited the Philippines and Taiwan.  

    “I met with the leaders in both those countries.  

    “We discussed ways to push back on Communist China’s aggression. 

    “Communist China is our greatest external threat.  

    “Xi Jinping has said that he wants to be the world’s dominating power by 2049. 

    “Communist China’s dramatic military buildup and increasingly provocative actions are designed to force everyone else to bend to its will.  

    “Just this week, it took over an island in the West Philippine Sea.  

    “In the past, they have stolen intellectual property and continue to do so.  

    “They manipulate or disregard rules to gain advantages that risk our security. 

    “That threatens our security and threatens the security of many of our allies and partners. 

    “We also discussed expanding trade opportunities for American producers. 

    “There is a lot of interest in signing new trade deals. 

    “For example, Taiwanese Vice President Hsiao expressed an interest in buying more of our soybeans instead of buying them from Brazil. 

    “Others expressed interest in buying more of our natural gas. 

    “They know Communist China is a bad trading partner. They want to work with us. 

    “There’s a lot of opportunity. We need to start cutting these trade deals. 

    “Last week, I held public events in the Western, Central, and Eastern parts of our state. 

    “For example, I hosted three town halls in Scottsbluff, Valentine, and Kearney. 

    “At these town halls, I shared updates on my work in Washington. 

    “I shared how I’m working with President Trump to secure the southern border, protect the 2017 tax cuts, and support Nebraska agriculture. 

    “I gave an update on how I’m fighting to address our $36 trillion national debt – which is our greatest domestic threat. 

    “I also heard feedback and answered questions directly from Nebraskans. 

    “These conversations help me stay connected to the priorities and values of my constituents. 

    “In addition to the townhalls, I spoke to the Lincoln Chamber of Commerce. 

    “I gave a legislative update and answered questions about taxes, tariffs, and other topics. 

    “In Lincoln, I partnered with Nebraska Farm Bureau to call for making the Trump tax cuts permanent. 

    “If the tax cuts expire, Americans would see a $4 trillion tax increase. 

    “That would hurt Nebraska families, farmers, and small businesses. 

    “The child tax credit will be cut by $1,000. 

    “The standard deduction will be cut in half. 

    “And the deduction for the Death Tax would also be cut in half, putting our Nebraska family farms and ranches at risk.

    “If these tax cuts were to expire, a family of four making $80,000 would pay $1,700 more in taxes. 

    “I want to see Nebraskans’ taxes cut, not raised. 

    “I also held several important roundtable meetings. 

    “In Grand Island, I heard directly from local Chambers of Commerce. 

    “They shared their strategies for economic development and revitalization. 

    “For example, I heard about the Kearney sportsplex, which is attracting events from all over the region. 

    “In fact, they told me that they are entirely booked, having only two open weeks from now until 2029. 

    “That’s huge for central Nebraska. 

    “In Scottsbluff, I sat down with agriculture leaders. 

    “They shared with me the challenges facing rural communities. 

    “Nebraska’s farmers and ranchers feed the world. 

    “I’m committed to passing a comprehensive farm bill that delivers the tools they need to succeed. 

    “While in western Nebraska, I took part in a cattle branding in Sioux County. 

    “Branding is a great part of western life. 

    “It’s tough, honest work that brings families and communities together. 

    “The brand identifies cattle and protects against theft. 

    “The calves are also vaccinated to protect their health.

    “Nebraska is the Beef State because of the grit demonstrated every day by our ranchers. 

    “I’ll always advocate for Nebraska agriculture. 

    “In addition, my team and I are hosting Mobile Office Hours in every single county. 

    “We did that in all 93 counties last year – twice.

    “We help Nebraskans navigate the federal bureaucracy. 

    “And I’ll continue fighting every day to make sure Nebraskans’ voices are heard in Washington. 

    “Nebraskans deserve nothing less.”

    MIL OSI USA News –

  • MIL-OSI Canada: Bank of Canada announces 2024–25 scholarship recipients

    Source: Bank of Canada

    The Bank of Canada is pleased to announce this year’s recipients of its scholarship awards for students with disabilities, Indigenous students, LGBTQ2S+ students, francophones and students who identify as a woman or as a member of a racialized group. We know that the inclusion of diverse identities and ideas fosters innovative thinking and better policy outcomes for Canadians. It’s core to our success as a leading central bank. That is why our scholarships are designed to encourage Canadians from diverse backgrounds to further their education and consider employment in fields related to the work of the Bank.

    The 2024-25 award recipients are as follows:

    • Abigail Meloche, pursuing a Bachelor of Economics at Carleton University
    • Allison Tsypin, pursuing a Bachelor of Mathematics at McGill University
    • Andy Duan, pursuing a Bachelor of Arts in Economics at Princeton University
    • April Quill, pursuing a Bachelor of Science with major in Statistics at University of Manitoba
    • Wendy Liao, pursuing a bachelor’s degree in computer science and business at Western University
    • Elliot Thordarson, pursuing a Bachelor of Commerce at I.H. Asper School of Business (University of Manitoba)
    • Katherine Brennan, completed a bachelor’s degree in economics and statistics at University of Toronto, with plans to pursue a master’s degree in economics
    • Katherine Karapetrovic, pursuing a Bachelor of International Economics at University of British Columbia
    • Laila Virani, pursing a bachelor’s degree in business at University of British Columbia
    • Linda Nidale-Sadeck, pursuing a Bachelor of Economics at Carleton University
    • Manahil Malik, completed a bachelor’s degree in economics at University of Toronto, with plans to pursue a master’s degree in economics
    • Manuel Fernandez, pursuing a Bachelor of Commerce, Management, Economics and Finance at University of Guelph
    • Melody Johnson, pursuing a college diploma in Protection, Security and Investigation at Conestoga College
    • Rand Al-Nauimi, pursuing a Bachelor of Commerce with option in Business Technology Management at Telfer School of Management (University of Ottawa)
    • Rosana Gao, pursuing a Bachelor of Applied Science in Engineering Science at University of Toronto
    • Simeon Muepu, pursuing a Bachelor of Finance at Université de Montreal
    • Xavier Desroches Borelly, pursuing a Bachelor of Science degree in Computer Science at Western University
    • Yeo Eun Chi, completed a bachelor’s degree in business administration with specialization in finance at University of Toronto, with plans to pursue a master’s degree in economics

    The 2024–25 recipients of the Bank’s Scholarship Award for Post-Secondary Students receive Can$8,000. The award is intended to assist the following students with tuition at an accredited academic institution:

    • students with disabilities
    • Indigenous students
    • LGBTQ2S+ students
    • francophones
    • students who identify as a woman
    • students who identify as a member of a racialized group

    Successful candidates may be offered a work opportunity at the Bank, with mentorship by a Bank employee.

    Recipients of the Master’s Scholarship Award for Women in Economics and Finance must have completed or be in the final two years of an undergraduate degree at a Canadian university and self-identify as a woman. In addition to the award of Can$10,000, successful candidates may be offered a work opportunity at the Bank, with mentorship by a Bank employee.

    For more information on all opportunities for students, please visit our webpage.

    MIL OSI Canada News –

  • MIL-OSI USA: Feenstra to Host Passport Fairs in Council Bluffs and Sioux City

    Source: United States House of Representatives – Representative Randy Feenstra (IA-04)

    WASHINGTON, D.C. – Today, U.S. Rep. Randy Feenstra (R-Hull) announced that his office will host two in-person passport fairs in Council Bluffs and Sioux City. 

    Iowans interested in attending must register beforehand by either emailing our office at IA04passports@mail.house.gov or calling our office at 202-225-4426.

    “I’m excited to announce that our office will hold two passport fairs in Council Bluffs and Sioux City. These events are a great opportunity for Iowans to have their questions answered by professionals and submit applications to get a new passport or renew an existing passport,” saidRep. Feenstra. “I encourage anyone who needs help with their passport to attend one of our passport fairs, and as always, I urge Iowans who need assistance with federal agencies to contact our office online at Feenstra.House.Gov or by phone at 202-225-4426.”

    Constituents who wish to get a new passport or renew an existing passport must come with a completed application, government-issued ID, proof of citizenship, a State Department approved 2”x 2” printed passport photo, and method of payment (money order, credit card, or check; cash will not be accepted).

    The passport fair in Council Bluffs will be held on Tuesday May 13th from 9 AM – 4 PM at the Council Bluffs Chamber of Commerce office. The address is 149 West Broadway Council Bluffs, IA 51503.

    The passport fair in Sioux City will be held on Wednesday May 14th from 9 AM – 4 PM at the Sioux City Public Library in the Gleeson Room. The address is 529 Pierce Street Sioux City, IA 51101.

    You can find the passport application HERE.

    ###

    MIL OSI USA News –

  • MIL-OSI USA: Bankruptcies Rise 13.1 Percent Over Previous Year

    Source: United States Courts

    Bankruptcy filings rose 13.1 percent during the 12-month period ending March 31, 2025. That is a similar rate of acceleration as in the Dec. 31, 2024, quarterly report, but new bankruptcy cases remain significantly lower than after the 2007-08 Great Recession. 

    According to statistics released by the Administrative Office of the U.S. Courts, total filings rose to 529,080 cases, compared with 467,774 cases reported during the year ending March 31, 2024.

    Business filings increased 14.7 percent, from 20,316 in March 2024 to 23,309 in the newest report. Non-business filings rose 13.0 percent, from 447,458 in March 2024 to 505,771 in March 2025. 

    Bankruptcy totals for the previous 12 months are reported four times annually.

    For more than a decade, total filings fell steadily, from a high of nearly 1.6 million in September 2010 to a low of 380,634 in June 2022. Total filings have increased each quarter since then, but they remain far lower than historical highs.

    Business and Non-Business Filings, Years Ending March 31, 2021-2025
    Year Business Non-Business Total
    2025 23,309 505,771 529,080
    2024 20,316 447,458 467,774
    2023 14,467 388,806 403,273
    2022 13,160 382,213 395,373
    2021 19,911 453,438 473,349
    Total Bankruptcy Filings By Chapter, Years Ending March 31, 2021-2025
    Year Chapter
      7 11 12 13
    2025 320,571 8,844 259 199,130
    2024 271,825 8,036 155 187,539
    2023 231,200 5,371 148 166,449
    2022 265,071 4,333 228 125,655
    2021 345,224 7,823 487 119,502

    Additional statistics released today include:

    • Business and non-business bankruptcy filings for the 12-month period ending March 31, 2025 (Table F-2, 12-month),
    • A comparison of 12-month data ending March 2024 and March 2025 (Table F),
    • Filings for the most recent three months, (Table F-2, 3-month); and filings by month (Table F-2, January, February, and March),
    • Bankruptcy filings by county (Report F-5A).

    For more on bankruptcy and its chapters, view the following resources:

    MIL OSI USA News –

  • MIL-OSI: Superstar Platforms, Inc Files Registration Statement with the Securities and Exchange Commission

    Source: GlobeNewswire (MIL-OSI)

    Marks Key Milestone Toward Becoming a Fully Reporting Public Company

    ATLANTA, GA, May 01, 2025 (GLOBE NEWSWIRE) — Dinewise, Inc (OTC PINK-DWIS) (referred to as “Dinewise”, “we”, “us”, “our” or the “Company”) A leading national technology conglomerate specializing in automotive, fintech, and entertainment solutions has announced the filing of its Form 10 Registration Statement with the U.S. Securities and Exchange Commission (SEC). Formerly known as Dinewise, the Company will now operate under its new name, Superstar Platforms, Inc., as it transitions into a fully reporting public entity.

    “This is a pivotal milestone in our company’s journey,” said Michael Farr, CEO of Superstar Platforms, Inc. “From the moment I accepted the role of CEO, I have been laser-focused on providing transparency and meeting all necessary compliance requirements in our operations. This filing reflects our commitment to our stakeholders, and paves the way for greater liquidity.”

    With this filing, Superstar Platforms, Inc. will now adhere to the SEC’s regulatory framework required of public companies. The company has also established a board of directors composed of a diverse group of seasoned entrepreneurs, trailblazers, and community leaders, each bringing valuable experience and insight to guide the company’s strategic initiatives.

    Looking forward, the company anticipates finalizing its acquisition of TitlePal; a fintech company that has developed an innovative online solution for Title Pawn transactions, in the coming month. Superstar Platforms also plans to update its ticker symbol to better align with its new corporate identity.

    About Superstar Platforms

    Superstar Platforms, a leading national technology conglomerate, is the parent company that owns and controls a diversified portfolio of subsidiaries across various industries. Growth will primarily be driven through strategic acquisitions. Currently Superstar Platforms owns PawnTrust: a specialized marketplace designed exclusively for the approximately 11,000 pawn shops across the country. The online marketplace (www.pawntrust.com) digitizes the inventory using advanced image recognition algorithms to automate item descriptions of the participating pawn shops and markets them on a national scale. The marketplace contains cutting-edge technology that streamlines the borrowing, buying, and bartering transactions typically found at a pawn shop. The platform plans to leverage Artificial Intelligence (AI) to optimize pricing, reduce fraud, and create personalized search recommendations to enhance the customer’s experience. These enhancements let consumers experience a frictionless shopping experience on their mobile app that gives them instant access to this nationwide inventory of pawn shops. Not only does this provide a more efficient way for consumers to shop, eliminating the need to visit multiple stores, but it also amplifies the reach of individual pawn shop owners. By joining the PawnTrust- ‘Pawn Partners’ network, shop owners gain access to a broader audience, enhancing their visibility and sales opportunities. This innovative approach aligns customer convenience with business growth, reshaping how people interact with the pawn industry. Consumers that purchase items outside of their local area will have their items conveniently shipped to them. As the intermediary in each transaction, PawnTrust earns a fee on every item sold in the marketplace. Many of these local pawn shops lack an online presence or the capital to market their inventory on a national scale. By bridging this gap, PawnTrust opens up opportunities for incremental sales from a wider buying base, effectively transforming the pawn shop and micro-lending industries. This model not only supports local businesses but also extends their reach, driving growth and innovation within the market. 

    About TitlePal 

    TitlePal is an innovative, web-based lender that delivers fast, convenient cash loans to individuals with clear auto titles. By harnessing advanced algorithms and integrating with third-party systems, the platform ensures seamless verification of applicants’ identity, financial capacity, and vehicle condition. Approved funds are deposited directly into customers’ bank accounts, often within minutes, setting a new standard for efficiency in title lending

    Forward-Looking Information

    This release includes statements that may constitute ”forward-looking” statements, usually containing the words ”believe,” ”estimate,” ”project,” ”expect” or similar expressions. These statements are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. While the Company believes the expectations reflected in forward-looking statements are reasonable, there can be no assurances such expectations will prove to be accurate. Security holders are cautioned such forward-looking statements involve risks and uncertainties. Certain factors may cause results to differ materially from those anticipated by the forward-looking statements made in this release. Factors that would cause or contribute to such differences include, but are not limited to, acceptance of the Company’s current and future products and services in the marketplace, the ability of the Company to develop effective new products and receive regulatory approvals of such products, competitive factors, dependence upon third-party vendors, risks and uncertainties related to the current unknown duration and severity of the COVID-19 pandemic and other risks detailed in the Company’s periodic report filings with the Securities and Exchange Commission. By making these forward-looking statements, the Company undertakes no obligation to update these statements for revisions or changes after the date of this release.

    Investor Relations:
    Resources Unlimited
    718-269-3366
    mike@resourcesunlimitedllc.com

    The MIL Network –

  • MIL-OSI: LPL Financial Welcomes Barlow Capital Advisors

    Source: GlobeNewswire (MIL-OSI)

    SAN DIEGO, May 01, 2025 (GLOBE NEWSWIRE) — LPL Financial LLC announced today that financial advisor R. Brennan Barlow, AAMS™, has joined LPL Financial’s broker-dealer, Registered Investment Advisor (RIA) and custodial platforms. He reported serving approximately $250 million in advisory, brokerage and retirement plan assets* and joins LPL from Raymond James.

    Based just outside of Dallas in Flower Mound, Texas, Barlow is a second-generation financial advisor who founded Barlow Capital Advisors in 2009. After a decade working in the financial services industry, Barlow wanted to create a family-owned and operated independent practice to serve his community. Supported by Senior Client Service Associate Keri Alanis and Client Service Associate Amanda Barlow — Brennan’s wife — Barlow takes a holistic approach to offering wealth management advice and strategy to his clients.

    “I believe in the ‘Three P’s’: Protect your wealth, preserve your lifestyle and prevent surprises in retirement,” Barlow said. “To that end, I take the time to educate my clients on the wealth management process and then work alongside them to ensure our strategies are consistently angled toward their ideal financial outcome.”

    Looking for more autonomy and the flexibility to run and grow his business, the Barlow Capital Advisors team turned to LPL Financial.

    “LPL offers unmatched flexibility and service options that will allow me to enhance my current practice and provide an elevated client experience,” Barlow said. “By partnering with LPL, I am confident I can build my business the way I envision and in a way that exceeds my clients’ expectations.”

    Scott Posner, LPL Managing Director, Business Development, said, “We welcome Brennan, Keri and Amanda to LPL and wish them success on this next chapter of their business. At LPL, we understand that advisors are looking for sophisticated capabilities and the autonomy to build and grow their practice according to their vision. We look forward to supporting Barlow Capital Advisors for years to come.”

    Related

    Advisors, learn how LPL Financial can help take your business to the next level.

    About LPL Financial

    LPL Financial Holdings Inc. (Nasdaq: LPLA) is among the fastest growing wealth management firms in the U.S. As a leader in the financial advisor-mediated marketplace, LPL supports nearly 29,000 financial advisors and the wealth management practices of approximately 1,200 financial institutions, servicing and custodying approximately $1.7 trillion in brokerage and advisory assets on behalf of approximately 6 million Americans. The firm provides a wide range of advisor affiliation models, investment solutions, fintech tools and practice management services, ensuring that advisors and institutions have the flexibility to choose the business model, services, and technology resources they need to — run thriving businesses. For further information about LPL, please visit www.lpl.com.

    Securities and advisory services offered through LPL Financial LLC (“LPL Financial”), a registered investment advisor and broker-dealer, member FINRA/SIPC. Barlow Capital Advisors and LPL Financial are separate entities.

    Throughout this communication, the terms “financial advisors” and “advisors” are used to refer to registered representatives and/or investment advisor representatives affiliated with LPL Financial.

    We routinely disclose information that may be important to shareholders in the “Investor Relations” or “Press Releases” section of our website.

    *Value approximated based on asset and holding details provided to LPL from end of year, 2024.

    Media Contact: 
    Media.relations@LPLFinancial.com 

    Tracking #732197

    The MIL Network –

  • MIL-OSI: Applied Epic Ranks Highest in G2’s Insurance Agency Management Systems Category for 20 Straight Quarters

    Source: GlobeNewswire (MIL-OSI)

    Chicago, IL., May 01, 2025 (GLOBE NEWSWIRE) — Applied Systems® today announced that Applied Epic has been recognized with highest overall score in Insurance Agency Management Systems, outranking competitors in all 12 feature sets including task management, policy management, payment processing, sales tools and more. The rankings are made up of more than 1,000 customer reviews with nearly 70% of those reviews scoring Applied Epic 5 stars.

    Applied Epic is the world’s most widely-used agency management system that provides customers with automated capabilities for each stakeholder within the business to better manage operations, and relationships with insurer partners and insureds, while also delivering the choice for integrating both Applied and non-Applied technology for easy and secure flow of data in and out of the application. Notably, seven of the top 10 largest brokers ranked by Business Insurance in 2024 have chosen Applied Epic to automate their operations and create more intelligence and productivity.

    “We are proud to see Applied Epic recognized as the top insurance agency management system by our clients on G2,” said Anupam Gupta, chief product officer, Applied Systems. “Applied Epic is differentiated by its vertical, insurance-specific focus and built by world-class engineers who closely partnered with our agency customers to uniquely understand the workflows of the independent agency, creating unmatched value for our customers as evident in its review scores.”

    # # #

    The Applied products and logos are trademarks of Applied Systems, Inc., registered in the U.S.

    About Applied Systems
    Applied Systems is the leading global provider of cloud-based software that powers the business of insurance. Recognized as a pioneer in insurance automation and the innovation leader, Applied is the world’s largest provider of agency and brokerage management systems, serving customers throughout the United States, Canada, the Republic of Ireland, and the United Kingdom. By automating the insurance lifecycle, Applied’s people and products enable millions of people around the world to safeguard and protect what matters most.

    The MIL Network –

  • MIL-OSI: Fresche Solutions Optimizes IBM i Modernization with AI-Powered Insights

    Source: GlobeNewswire (MIL-OSI)

    SAN FRANCISCO, May 01, 2025 (GLOBE NEWSWIRE) — Fresche Solutions, a global leader in AI-powered IT modernization, announces the enhanced release of its Application Intelligence toolset. AI advancements to X-Analysis empower organizations to overcome challenges like talent shortages and complex legacy applications while achieving faster, more impactful results.

    “AI-powered X-Analysis is more than a tool – it’s a partner in your modernization journey,” said Joe Zarrehparvar, President & CEO at Fresche Solutions. “It simplifies business application analysis, helping customers determine and optimize the modernization of code and data. By delivering actionable insights, businesses can reduce time-to-results, increase confidence in modernizing complex applications, and drive growth. Companies using this solution have already significantly improved their UIs and operational efficiency. I’m confident this powerful tool will help you modernize your business applications with ease and certainty.”

    Key Benefits for Your Business:

    • Faster Results: Accelerate modernization with actionable insights and efficient workflows.
    • Ease of Use: Designed for teams of all expertise levels – from junior staff to seasoned professionals.
    • Smarter Modernization: Streamline updates to code, databases, and user interfaces using phased, low-risk approaches.
    • Cost Efficiency: Reduce IT costs and maintenance while improving adoption and user satisfaction.

    “Our mission is to make modernization easier, smarter, and more accessible,” said John Clark, Chief Technology Officer at Fresche Solutions. “X-Analysis combines AI-powered insights, intuitive visual tools, and user-friendly features like the Explain function to bridge skill gaps. This release empowers IT teams to efficiently tackle complex projects, mitigate risks, and unlock new business potential.”

    To learn how AI-powered X-Analysis can help your business modernize smarter and faster, join Fresche Solutions for a live webinar, “Smarter IBM i Modernization with AI-Powered Application Intelligence,” on May 15th. Register here to save your seat. Explore more about the Application Intelligence toolset and how it can support your success here.

    ABOUT FRESCHE SOLUTIONS 
    Innovators in AI-powered IT modernization, Fresche manages and maximizes the value of IBM i and Microsoft Azure business-critical systems to reduce technical debt. Our market-leading IP and proven solutions in Modernization, AI & Data Analytics, KTLO, and Cloud Managed Services have earned the trust of global leaders from 2200+ companies. Reimagine your IT challenges into future growth and innovation with Fresche Solutions. Learn more at www.freschesolutions.com.

    Media Contact:  
    Kimberley Hernandez 
    Corporate Marketing Manager 
    Fresche Solutions Inc. 
    kimberley.hernandez@freschesolutions.com  
    +1 800 361 6782

    A photo accompanying this announcement is available at: 
    https://www.globenewswire.com/NewsRoom/AttachmentNg/c650bb8b-89fa-44c7-b5ad-1f92693872c8

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