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Category: CTF

  • MIL-Evening Report: Drivers of SUVs and pick-ups should pay more to be on our roads. Here’s how to make the system fairer

    Source: The Conversation (Au and NZ) – By Milad Haghani, Associate Professor & Principal Fellow in Urban Risk & Resilience, The University of Melbourne

    In the year 2000, almost 70% of all new cars sold in Australia were small passenger vehicles – mainly sedans and hatchbacks. But over 25 years, their share has dropped dramatically to just 17%, as a car “size race” took hold.

    Now, SUVs and light commercial vehicles comprise almost 80% of the market. Four in five new vehicles sold in Australia today are an SUV, ute, van or light truck.

    As larger vehicles become the new norm, they bring more road wear, urban congestion and demands on infrastructure such as parking.

    It’s time to ask: should drivers of larger vehicles pay for the damage and disruption they cause, through higher registration charges? Generally, yes. Bigger cars mean bigger costs for everyone else. It’s only fair those costs are reflected in how we price their use of public roads.

    Reasons for going big

    There are several reasons for the shift to larger passenger vehicles in Australia. They include perceptions that bigger cars are safer and more prestigious, as well as lifestyle preferences.

    A loophole in the luxury car tax also encourages car buyers to go big. The tax was introduced on imports in 2000 and this financial year applies to vehicles worth more than A$80,576.

    Many utes and SUVs are exempt because they’re classified as light commercial vehicles. The exemption applies regardless of whether the car is used privately or for business.

    Counting the costs on our roads

    Larger vehicles – no matter how they are powered – generally impose bigger costs on society than smaller cars.

    Large SUVs and utes (if powered by fossil fuels) have a far greater climate impact. On average, a small car emits 2,040 kilograms less carbon dioxide (CO₂) a year than a pickup truck.

    But even big electric vehicles can cause climate harm. The substantial resources required to manufacture a large EV creates emissions, which may undermine the climate benefits electrification promises.

    Large passenger vehicles also create health system costs. In road crashes, for example, they may better protect their occupants, but pose greater risks to others – especially pedestrians and those in smaller vehicles.

    Research suggests for each fatal crash that occupants of large vehicles avoid, at least 4.3 fatal crashes involving others occur.

    Bigger vehicles also need more space. Standards Australia has proposed making car-parking spaces larger to accommodate the trend to larger cars. Cities such as Paris have introduced higher parking fees for SUVs on these grounds.

    Larger vehicles also slow overall traffic flow. For example, they have longer braking distances and other motorists tend to drive further behind them than smaller cars.

    And at signalised intersections, a large SUV’s impact on traffic flows is equal to 1.41 passenger cars.

    In real-world terms, these differences add up. In the United States in 2011, the annual cost of light-duty trucks on congestion and lost productivity was estimated at more than US$2 billion.

    Then there’s the cost of road wear. You might think heavier vehicles just wear roads a bit faster than smaller ones. But in reality, the relationship is far more dramatic.

    Let’s compare a vehicle with an axle weight of 500 kg and a vehicle with an axle weight of 1,000 kg. The second vehicle doesn’t produce double the road damage – it produces 16 times the damage. This phenomenon is known as the “fourth power rule”.

    It means heavier vehicles cost far more in road maintenance. Curious to test it? The Road Damage Calculator lets you compare the relative impact of vehicles of different weights.

    What does car rego pay for?

    Vehicle registration offers a way to recoup the societal costs caused by large vehicles.

    Part of car registration fees go toward administration, but they also help governments pay for the broader cost of vehicles on public infrastructure and shared spaces.

    In Australia, car registration systems vary widely between states. Not all reflect the impact of the vehicles on the road.

    In Victoria, fees are based mostly on location – whether the car is registered in a metropolitan, outer-metro or rural area. In the Australian Capital Territory, fees are calculated on a vehicle’s emissions.

    Queensland and Tasmania use the number of engine cylinders to set fees – a rough proxy for vehicle size, but not a precise one.

    In New South Wales and Western Australia, heavier vehicles pay more.

    South Australia and the Northern Territory apply different models again, using a combination of settings not directly based on weight.

    A fairer system

    Larger vehicles take up more road space, contribute more to congestion, and cause exponentially more damage to road surfaces. These are exactly the kinds of impacts a vehicle registration system should help account for.

    So, what would a truly equitable registration fee model look like? Based on the evidence, it would not only account for vehicle size and weight, but also how often the vehicle is driven. After all, a heavy car parked in a garage all year causes less impact than one on the road every day.

    Several countries, including New Zealand, have adopted distance-based or road-use charging schemes for certain types of vehicles, which uses a combination of vehicle weight and distance travelled.

    As our vehicle fleet continues to evolve, Australia should follow suit, with a smarter and more equitable registration fee system.

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

    – ref. Drivers of SUVs and pick-ups should pay more to be on our roads. Here’s how to make the system fairer – https://theconversation.com/drivers-of-suvs-and-pick-ups-should-pay-more-to-be-on-our-roads-heres-how-to-make-the-system-fairer-252381

    MIL OSI Analysis – EveningReport.nz –

    May 22, 2025

  • MIL-Evening Report: E-bikes for everyone: 3 NZ trials show people will make the switch – with the right support

    Source: The Conversation (Au and NZ) – By Caroline Shaw, Associate Professor in Public Health, University of Otago

    Getty Images

    Anyone who uses city roads will know e-bikes have become increasingly popular in Aotearoa New Zealand. But we also know rising e-bike sales have been predominantly driven by financially well-off households.

    The question now is, can e-biking be accepted and embraced by people and communities where it is currently not happening? Three pilot programmes from around the country have now given us cause for optimism.

    Understanding more about the barriers to e-bike access – especially in communities with low cycling levels or where income levels mean bikes are prohibitively expensive – has been one of the main gaps in our knowledge.

    But over the past few years, we have been involved in projects designed to examine how e-bikes might work in such places. The three pilots were based in Mangere (South Auckland), Wainuiomata (Lower Hutt) and Sydenham (Christchurch).

    These are all areas or communities with lower relative incomes and lower levels of cycling. The majority of individuals involved did not routinely cycle, and some hadn’t been on a bike for decades.

    In all three pilots, the results were positive. In some cases, participants reported long-term, life-changing benefits.

    What the pilot schemes showed

    Each pilot was different. The Mangere programme loaned e-bikes to people for two to three months between 2022 and 2023 through a community bikehub. The Wainuiomata programme involved a longer loan period of one year over 2023, and was run through a health provider at a local marae.

    The Christchurch programme, which ran between 2021 and 2024, was a free e-bike share scheme for tenants in a specific social housing complex, organised through a partnership with a shared e-bike provider.

    Where needed, participants in all pilots were supported as they gained riding confidence and knowledge of safe cycling routes.

    Participants in all the pilot programmes found e-biking acceptable, and they used and enjoyed the bikes. While these pilots were not set up to measure distance travelled, we know from other research that participants in e-bike access schemes ride on average 5km per day, half of which replaces car trips.

    Individuals reported practical benefits such as being able to travel to their jobs, mental and physical health improvements, and not having to pay for petrol each week.

    In the Wainuiomata pilot there were wider ripple effects, with participants reporting whānau members also started cycling as a result of the loan scheme. In one case, ten members of the wider whānau got involved.

    Good cycling infrastructure will encourage e-bike uptake.
    Getty Images

    3 policy actions needed now

    These results mirror what we know already about how e-bikes can improve physical and mental health, reduce transport greenhouse gas emissions, and make cities nicer places by reducing car use.

    Compared to conventional bikes, e-bikes also allow people to bike further and in hillier places. They are also great for groups with traditionally lower levels of cycling, such as people with health conditions, disabilities, older people and women.

    It also seems concerns about increased rates of injury may be less significant than initially thought. Overall, the broad benefits of e-bikes have seen hundreds of access schemes developed globally, including many in New Zealand.

    Combining international evidence and experience with the information from the three local pilot programmes, we see three main policy areas that will increase e-bike uptake and use in New Zealand.

    1. Physical infrastructure: this is needed to support cycling in all our cities and larger towns, and would involve a combination of cycle lanes and low-traffic neighbourhoods, alongside expanded bike parking and storage.

    The Climate Change Commission has recommended these networks be constructed, and experience from Wellington shows rapid construction is possible.

    2. Targeted access schemes: these help people who can’t afford e-bikes. Without targeting, such schemes tend to be mainly used by the well-off. It’s likely we will need a range of options, such as short-term and long-term low-cost (or free) loans, rent-to-buy schemes or subsidies.

    People should be able to access these schemes through a variety of organisations so as to target different motivations: saving money, improving health, commuting for work, ferrying children, environmental concern.

    3. Local organisation networks: these support individuals and communities to access bikes, maintain them, provide rider training, run bike libraries, route finding and community events to support and encourage people to ride.

    This wider support was a key factor to the success of the all pilots. Local organisations, champions and leaders are essential to help overcome some of the practical and cultural barriers that exist because we have such low levels of cycling.

    Change is achievable

    What we have outlined constitutes a different way of doing business for the transport sector. But there are already organisations doing a lot of this work, including bike hubs and cycling community organisations.

    Others have infrastructure in place that could expand to encompass e-bike programmes, such as marae and community health centres. What is needed is a commitment to support these activities as part of core transport business policy.

    We don’t need to wait for more research. The three things required – building infrastructure, increasing access and providing support programmes – are all understood and achievable.

    E-bikes can and should play an important role in expanding New Zealand’s transport options and improving the wellbeing of its people.

    Caroline Shaw receives funding from the Health Research Council of New Zealand, University of Otago and Waka Kotahi/New Zealand Transport Agency.

    Karen Witten receives funding from the Health Research Council of NZ, Ministry of Business Innovation & Employment,
    Waka Kotahi/NZTA and Auckland Council.

    Simon Kingham receives funding from Ministry of Business Innovation & Employment.

    – ref. E-bikes for everyone: 3 NZ trials show people will make the switch – with the right support – https://theconversation.com/e-bikes-for-everyone-3-nz-trials-show-people-will-make-the-switch-with-the-right-support-255956

    MIL OSI Analysis – EveningReport.nz –

    May 22, 2025

  • MIL-Evening Report: Please don’t tape your mouth at night, whatever TikTok says. A new study shows why this viral trend can be risky

    Source: The Conversation (Au and NZ) – By Moira Junge, Adjunct Clincal Associate Professor (Psychologist), Monash University

    K.IvanS/Shutterstock

    You might have heard of people using tape to literally keep their mouths shut while they sleep. Mouth taping has become a popular trend on social media, with many fans claiming it helps improve sleep and overall health.

    The purported benefits of mouth taping during sleep are largely anecdotal, and include claims of better airflow, less snoring, improved asthma symptoms, less of a dry mouth, being less likely to have bad breath, and better sleep quality.

    As the trend has gained momentum in recent years the claims have also come to include improved skin, mood and digestion – and even a sharper jawline.

    The rationale for mouth taping during sleep is to encourage breathing through the nose rather than through the mouth. When a person’s nasal passages are blocked, breathing switches from the nose to the mouth. Mouth breathing has been linked to conditions such as obstructive sleep apnoea.

    But is mouth taping an effective way to address these issues, and is it safe? A new review suggests taping your mouth shut while you sleep offers limited benefits – and could pose risks.

    What did the review find?

    In a new paper, Canadian researchers reviewed the scientific literature on mouth taping, searching for studies that mentioned terms such as “mouth breathing”, “mouth taping” and “sleep”.

    They searched specifically for studies looking at people with known mouth breathing and breathing-related sleeping problems such as obstructive sleep apnoea to understand the potential benefits and harms of mouth taping for this group.

    Obstructive sleep apnoea is a condition where your airway is partly or completely blocked at times while you’re asleep. This can cause you to stop breathing for short periods, called “apnoeas”. Apnoeas can happen many times a night, resulting in lowered oxygen levels in the blood as well as sleep disruption.

    The researchers found ten eligible studies published between 1999 and 2024, with a total of 213 participants. Eight studies looked at mouth taping, and two studies involved using a chin strap to keep the mouth shut.

    Only two studies identified any benefits of mouth taping for mild obstructive sleep apnoea. The observed improvements – to measures such as oxygen levels in the blood and number of apnoeas per hour – were modest.

    And although they were statistically significant, they were probably not clinically significant. This means these changes likely wouldn’t make much difference to symptoms or treatment decisions.

    The remainder of studies found no evidence mouth taping helps to treat mouth breathing or related conditions.

    Mouth taping has become a popular social media trend.
    K.IvanS/Shutterstock

    What’s more, four studies warned about potential serious harms. In particular, covering the mouth could pose a risk of asphyxiation (lack of oxygen that can lead to unconsciousness or death) for people whose mouth breathing is caused by significant blockage of the nasal airways. This kind of nasal obstruction could be a result of conditions such as hay fever, deviated septum, or enlarged tonsils.

    In other words, mouth taping is definitely not a good idea if you have a blocked nose, as it’s unsafe to have both the nose and the mouth obstructed at the same time during sleep.

    What’s the take-home message?

    The authors concluded there are very few benefits and some potential serious risks associated with mouth taping in people who are mouth breathers or have obstructive sleep apnoea.

    They did however note we need further high-quality evidence to better understand if mouth taping is safe and works.

    This review didn’t focus on any research relating to mouth taping for proposed improvements to mood, skin, digestion, sharper jaw lines and other things, so the researchers could not draw conclusions about the efficacy and safety of mouth taping for those purposes.

    Snoring is one of the problems mouth taping has been suggested to help with.
    Kleber Cordeiro/Shutterstock

    Internationally, qualified sleep health professionals do not recommend mouth taping.

    If you have concerns about your sleep, the best thing to do is to consult trusted scientific sources or a health-care professional who will be able to guide you to address the underlying causes of your sleep challenges.

    Trying social media trends such as mouth taping before you seek expert advice could lead to delays in diagnosing serious conditions for which there are evidence-based treatments available.

    Mouth taping should definitely not be attempted in children.

    It’s possible that in some healthy adults, without respiratory conditions, without significant sleep disorders, and who don’t have tape allergies, that mouth taping could pose little harm and produce some modest benefits. But we don’t have enough evidence yet to know one way or the other.

    Moira Junge is CEO of The Sleep Health Foundation. She is also affiliated with the Healthylife Health Advisory Board and is a psychologist and clinic director at Yarraville Health Group.

    – ref. Please don’t tape your mouth at night, whatever TikTok says. A new study shows why this viral trend can be risky – https://theconversation.com/please-dont-tape-your-mouth-at-night-whatever-tiktok-says-a-new-study-shows-why-this-viral-trend-can-be-risky-256901

    MIL OSI Analysis – EveningReport.nz –

    May 22, 2025

  • MIL-Evening Report: Labor now has the political clout to reset Australia’s refugee policy. Here’s where to start

    Source: The Conversation (Au and NZ) – By Mary Anne Kenny, Associate Professor, School of Law, Murdoch University

    Australia’s policy towards refugees and asylum seekers stands at a critical juncture.

    Global displacement is at record highs and many countries are retreating from their responsibilities. At this moment, Australia can lead by example.

    As Australia’s prime minister, Anthony Albanese, said on election night:

    We do not need to beg or borrow or copy from anywhere else. We do not need to seek our inspiration overseas. We find it right here in our values – and in our people.

    Those values should guide a principled and evidence-based response to the global refugee crisis. This response should be grounded in fairness, humanity and respect for Australia’s international human rights obligations.

    A principled reset

    Australia is a signatory to the 1951 Refugee Convention, which defines a refugee as a person who has a well-founded fear of persecution based on:

    • race
    • religion
    • nationality
    • membership of a particular social group
    • political opinion.

    However, aspects of Australia’s current approach to refugees have drawn criticism from the United Nations High Commissioner for Refugees, Filippo Grandi.

    The new Labor government could use its strength in parliament to initiate a principled and evidence-based reset. This could include:

    • creating a new emergency visa for humanitarian crises to assist people fleeing conflict

    • improving the efficiency and fairness of the asylum seeker process

    • ending offshore processing of refugees

    • streamlining the family reunification process

    • making immigration detention an option that could be used at the discretion of the Department of Home Affairs, instead of being mandatory

    • giving people access to independent review of their detention

    • improving systems for LGBTQ+ asylum seekers (many of whom face heightened risks, are not always believed about their sexuality, and lack culturally sensitive support).

    There are four key areas in particular need of reform.

    1. Ending the legal limbo

    A crucial priority is resolving the status of some 7,000 people who are part of what’s known as the “legacy caseload”.

    These people were refused refugee status under a problematic and now-defunct process known as the “fast track assessment”. They are now on bridging visas and in legal limbo.

    A solution is also needed for the roughly 1,000 people who were detained in offshore processing centres in Manus Island and Nauru but are now living in Australia. They are also on bridging visas, also in a state of legal uncertainty.

    People in both these groups have endured 13 years in legal and policy limbo. Reform is long overdue.

    One option is to allow people in both groups who were previously refused protection to apply for a permanent visa without requiring yet another drawn-out assessment of their protection claims.

    Community organisations, legal experts and mental health professionals could help the government develop clear, trauma-informed and evidence-based processes for reviewing their cases.

    2. Expanding the numbers

    Australia’s main way of accepting refugees is via what’s known as the humanitarian program. But the number of refugees accepted under this program doesn’t currently reflect the scale of global displacement.

    Labor has proposed expanding the number of refugees Australia takes.

    It has suggested Australia take 27,000 through the core Refugee and Humanitarian Program and an additional 10,000 through two pathways:

    • community sponsorship (which is where refugees are sponsored by Australians in the community)

    • complementary pathways (which include refugees who arrive, for instance, via a skilled worker program).

    At the UN’s 2023 Global Refugee Forum, the Australian government committed to gradually implementing this increase, beginning in 2023–24.

    A dedicated advisory and coordination body could help with planning and implementation.

    It’s also worth noting current policy prohibits asylum seekers registered with the United Nations High Commissioner for Refugees in Indonesia after June 2014 from being resettled to Australia.

    The new government could also consider lifting this arbitrary restriction to give these vulnerable refugees access to durable solutions.

    3. Strengthening the rights of children and young people

    Immigration systems are largely designed around adults. Children and young people are too often overlooked.

    As a result, children have been:

    • placed in immigration detention

    • transferred to offshore processing centres, or

    • separated from their families.

    Children (including those born in Australia) can’t sponsor their parents via family sponsorship processes. They’re denied a say in decisions that deeply affect their lives.

    The Migration Act should be amended to require that all decisions affecting children give primary consideration to the best interests and views of the child. This would be in line with Australia’s obligations under the UN Convention on the Rights of the Child.

    Similar principles are already embedded in Australian family law and child protection policy, providing a clear model for reform.

    4. Reviewing Australia’s boat turnback policy

    Since 2013, Australia has intercepted boats under Operation Sovereign Borders, using turnbacks and takebacks with little independent oversight.

    The United Nations High Commissioner for Refugees has raised concerns about this policy.

    Sometimes during these interactions Australian officials detain and interview people on boats about their reason for trying to enter Australia, but details about what happens during such encounters are kept largely secret. Most of these encounters end with the boat and people on it being returned to the country from which they came.

    A recent document published by the Commonwealth Ombudsman reported on conditions aboard vessels used for maritime detention.

    It found serious problems, including no private spaces for sensitive interviews and no interpreters on board.

    The Department of Home Affairs responded by saying formal interviews use accredited interpreters. However, the report highlights many crucial interactions do not.

    There is also no time limit on detention at sea, and no independent monitoring of how protection claims are assessed.

    A more comprehensive review is urgently needed.

    Mary Anne Kenny is a member of the Migration Institute of Australia and the Law Council of Australia and an affiliate of the UNSW Kaldor Centre for International Refugee Law. She was on the Ministerial Council on Asylum Seekers and Detention (an independent advisory body) between 2012 and 2018.

    – ref. Labor now has the political clout to reset Australia’s refugee policy. Here’s where to start – https://theconversation.com/labor-now-has-the-political-clout-to-reset-australias-refugee-policy-heres-where-to-start-255971

    MIL OSI Analysis – EveningReport.nz –

    May 22, 2025

  • MIL-Evening Report: Playing the crime card: do law and order campaigns win votes in Australia?

    Source: The Conversation (Au and NZ) – By Chloe Keel, Lecturer in Criminology and Criminal Justice, Griffith University

    Crime and public safety are usually the domain of state politics. But the Coalition tried to elevate them as key issues for voters in the recent federal election.

    Claiming crime had been “allowed to fester” under Labor, the opposition promised a A$750 million Operation Safer Communities plan, which included police strike teams targeting drugs, a national child sex offender register, and more money for Neighbourhood Watch.

    A Coalition government would also have given grants to community groups to install public lighting, bollards and CCTV cameras.

    But in the end, crime did not appear to be a deciding factor in the election, which was easily won by Labor.

    What does that tell us about leveraging public fear – either existing crime fears and general anxieties, or latent concerns that can be triggered – for political gain in Australia? Can it be a successful strategy?

    Stoking anxiety

    In culturally diverse countries, such as Australia and the United States, law and order rhetoric sometimes calls for supporting aggressive crime policies at the expense of racial and ethnic minorities, many of whom are immigrants.

    These policies can be effective in stoking public fear to win votes. US President Donald Trump’s exhortations on immigration and crime were a significant part of his election campaigns in 2016 and 2024.

    However, what experts call “protective factors”, such as strong communities and social cohesion, are important. They can reduce the influence of political narratives that try to define crime in narrowly punitive or racialised terms.

    Australia is not America

    Our peer-reviewed research, which will be published in the Journal of Criminology, investigated how public concerns about crime and safety in Australia and the US were associated with demographic factors that evolved over time. The study drew on data from the World Values Survey and indicated key differences in what makes Australians and Americans feel unsafe.

    We have found that in Australia in 2018, supporters of left-leaning parties (Labor/Green) reported feeling significantly safer than other voters. However, this gap disappeared when researchers took into account attitudes that blame crime problems on immigrants. This suggests immigrant-blaming in Australia can drive feelings of community fear and insecurity.

    The World Values Survey uncovered a different pattern in the US.

    Between 2011 and 2017, Republican voters reported feeling safer than other Americans – the opposite of Australia’s trend. The political divide in the US couldn’t be explained by immigrant-blaming attitudes. Rather, it was attributed to the “self-isolation” of American conservatives in more culturally homogeneous communities.

    Our study indicated that while immigration continued to influence safety perceptions in the US, it appeared to operate through different mechanisms than in Australia. Racial and ethnic minorities reported greater fear as the 2010s unfolded.

    Social connectedness also plays differently in each country. In Australia, trust in others and confidence in public institutions consistently influences safety perceptions. In the US, these factors have little impact.

    Social scientists have observed that in modern societies, responsibility for personal safety has increasingly shifted from the government to individuals. This trend is strong in the US, where market-focused, neoliberal economic and social policies dominate policies.

    By contrast, European research suggests stronger social welfare systems can reduce safety concerns by addressing underlying economic anxieties. Australia’s more robust social support appears to foster greater feelings of safety.

    Our research indicates social cohesion further helps reduce fear.

    Crime fears are not a vote winner

    Electoral strategies that seek to leverage public insecurities need to be understood in the context of these fear-mitigating factors. Media diversity can also counter fear-based messaging.

    In the 2018 Victorian election, crime became a prominent political issue through racialised commentary targeting “African gangs”. However, it failed to gain decisive political traction.

    Research found fear of crime was relatively rare in Victoria. Media reports of crime and comments by political leaders were distant from their own experiences

    With more diverse news sources and online platforms, political actors can no longer promote narratives unopposed. Fear-based messaging can backfire, especially when it overreaches.

    Outdated strategy

    Perceptions of crime are often shaped by a combination of actual crime rates and broader anxieties about social change, cultural difference, and uncertainty. This is frequently expressed as unease about the increasing presence of culturally diverse groups.

    While the coalition’s pivot to law-and-order rhetoric represented a familiar strategy, Labor positioned itself as the party of unity. This was underscored by Foreign Minister Penny Wong’s declaration after Labor won the election, in which she acknowledged

    […] the power in our 26 million people from more than 300 ancestries […] from the oldest continuing civilisation on the planet and I acknowledge the traditional owners. Friends, we love this country.

    Foreign Minister Penny Wong on election night.

    While harnessing fears of crime and cultural diversity was not effective in this election cycle, this is not the end of law and order politics. But the unique characteristics of this election appear to have rendered the formula less potent.

    Trump’s threat to democracy and the constitutional rule of law in the US may have fostered a sense of solidarity and social cohesion among Australian voters. Our research suggests this helped to mitigate fears about crime.

    The temptation to capitalise on law and order may continue to appeal to politicians. But in Australia, at least, there is no guarantee it will work.

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

    – ref. Playing the crime card: do law and order campaigns win votes in Australia? – https://theconversation.com/playing-the-crime-card-do-law-and-order-campaigns-win-votes-in-australia-256780

    MIL OSI Analysis – EveningReport.nz –

    May 22, 2025

  • MIL-Evening Report: Evidence shows AI systems are already too much like humans. Will that be a problem?

    Source: The Conversation (Au and NZ) – By Sandra Peter, Director of Sydney Executive Plus, University of Sydney

    Studiostoks / Shutterstock

    What if we could design a machine that could read your emotions and intentions, write thoughtful, empathetic, perfectly timed responses — and seemingly know exactly what you need to hear? A machine so seductive, you wouldn’t even realise it’s artificial. What if we already have?

    In a comprehensive meta-analysis, published in the Proceedings of the National Academy of Sciences, we show that the latest generation of large language model-powered chatbots match and exceed most humans in their ability to communicate. A growing body of research shows these systems now reliably pass the Turing test, fooling humans into thinking they are interacting with another human.

    None of us was expecting the arrival of super communicators. Science fiction taught us that artificial intelligence (AI) would be highly rational and all-knowing, but lack humanity.

    Yet here we are. Recent experiments have shown that models such as GPT-4 outperform humans in writing persuasively and also empathetically. Another study found that large language models (LLMs) excel at assessing nuanced sentiment in human-written messages.

    LLMs are also masters at roleplay, assuming a wide range of personas and mimicking nuanced linguistic character styles. This is amplified by their ability to infer human beliefs and intentions from text. Of course, LLMs do not possess true empathy or social understanding – but they are highly effective mimicking machines.

    We call these systems “anthropomorphic agents”. Traditionally, anthropomorphism refers to ascribing human traits to non-human entities. However, LLMs genuinely display highly human-like qualities, so calls to avoid anthropomorphising LLMs will fall flat.

    This is a landmark moment: when you cannot tell the difference between talking to a human or an AI chatbot online.

    On the internet, nobody knows you’re an AI

    What does this mean? On the one hand, LLMs promise to make complex information more widely accessible via chat interfaces, tailoring messages to individual comprehension levels. This has applications across many domains, such as legal services or public health. In education, the roleplay abilities can be used to create Socratic tutors that ask personalised questions and help students learn.

    At the same time, these systems are seductive. Millions of users already interact with AI companion apps daily. Much has been said about the negative effects of companion apps, but anthropomorphic seduction comes with far wider implications.

    Users are ready to trust AI chatbots so much that they disclose highly personal information. Pair this with the bots’ highly persuasive qualities, and genuine concerns emerge.

    Recent research by AI company Anthropic further shows that its Claude 3 chatbot was at its most persuasive when allowed to fabricate information and engage in deception. Given AI chatbots have no moral inhibitions, they are poised to be much better at deception than humans.

    This opens the door to manipulation at scale, to spread disinformation, or create highly effective sales tactics. What could be more effective than a trusted companion casually recommending a product in conversation? ChatGPT has already begun to provide product recommendations in response to user questions. It’s only a short step to subtly weaving product recommendations into conversations – without you ever asking.

    What can be done?

    It is easy to call for regulation, but harder to work out the details.

    The first step is to raise awareness of these abilities. Regulation should prescribe disclosure – users need to always know that they interact with an AI, like the EU AI Act mandates. But this will not be enough, given the AI systems’ seductive qualities.

    The second step must be to better understand anthropomorphic qualities. So far, LLM tests measure “intelligence” and knowledge recall, but none so far measures the degree of “human likeness”. With a test like this, AI companies could be required to disclose anthropomorphic abilities with a rating system, and legislators could determine acceptable risk levels for certain contexts and age groups.

    The cautionary tale of social media, which was largely unregulated until much harm had been done, suggests there is some urgency. If governments take a hands-off approach, AI is likely to amplify existing problems with spreading of mis- and disinformation, or the loneliness epidemic. In fact, Meta chief executive Mark Zuckerberg has already signalled that he would like to fill the void of real human contact with “AI friends”.

    Relying on AI companies to refrain from further humanising their systems seems ill-advised. All developments point in the opposite direction. OpenAI is working on making their systems more engaging and personable, with the ability to give your version of ChatGPT a specific “personality”. ChatGPT has generally become more chatty, often asking followup questions to keep the conversation going, and its voice mode adds even more seductive appeal.

    Much good can be done with anthropomorphic agents. Their persuasive abilities can be used for ill causes and for good ones, from fighting conspiracy theories to enticing users into donating and other prosocial behaviours.

    Yet we need a comprehensive agenda across the spectrum of design and development, deployment and use, and policy and regulation of conversational agents. When AI can inherently push our buttons, we shouldn’t let it change our systems.

    Jevin West receives funding from the National Science Foundation, the Knight Foundation, and others. The full list of funders and affiliated organizations can be found here: https://jevinwest.org/cv.html

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

    – ref. Evidence shows AI systems are already too much like humans. Will that be a problem? – https://theconversation.com/evidence-shows-ai-systems-are-already-too-much-like-humans-will-that-be-a-problem-256980

    MIL OSI Analysis – EveningReport.nz –

    May 22, 2025

  • MIL-OSI USA: Welch, Shaheen Lead 20 Colleagues in Call to Protect ENERGY STAR 

    US Senate News:

    Source: United States Senator Peter Welch (D-Vermont)
    WASHINGTON, D.C. — U.S. Senator Peter Welch, Ranking Member of the Senate Agriculture Subcommittee on Rural Development, Energy, and Credit, this week joined Senator Jeanne Shaheen (D-N.H.) in leading 20 of their colleagues urging the Trump Administration to immediately reverse course on its plan to illegally and unilaterally terminate the ENERGY STAR program. In their letter, the Senators highlight the cost-saving benefits of the program, which is projected to save the average American household $450 on utility bills each year simply by choosing ENERGY STAR certified products.  
    Since 1992, ENERGY STAR has reduced energy costs for American families and businesses by $500 billion, including $42 billion worth of savings in 2020 alone. For every federal dollar spent on ENERGY STAR, Americans have enjoyed $350 in savings. 
    “For over three decades, the ENERGY STAR program has lowered Americans’ energy bills by informing consumers about energy efficient products. The program has enjoyed bipartisan support since its creation under authority of Section 103 of the Clean Air Act, most recently receiving $35.7 million in fiscal year 2025 appropriations,” wrote the Senators. “Reporting has indicated, however, that the Environmental Protection Agency (EPA) plans to eliminate ENERGY STAR without Congressional approval. Not only is the program protected under federal statute and thus illegal for the Administration to terminate unilaterally, but this decision also lacks basic economic sense. We write to urge you to immediately reverse course.” 
    The Senators continued: “ENERGY STAR is the epitome of an effective public-private partnership. As the program’s administrators, EPA and the Department of Energy set qualifying energy efficiency standards for products. EPA also protects the integrity of the ENERGY STAR brand, ensuring it remains well-known, trusted, and indicative of a quality product. Appliance manufacturers then voluntarily display the ENERGY STAR label, notifying consumers that a product will reduce their energy consumption and lower utility bills. The program strengthens consumer choice by sharing critical product information.” 
    “Eliminating the ENERGY STAR program will not only raise energy costs for American families and businesses, but also inflict far-reaching economic harms, threatening industry jobs and the reliability of the grid at a time of growing demand. We again urge you to immediately reconsider eliminating this popular and effective Congressionally authorized program,” the Senators concluded. 
    Administered by the EPA and Department of Energy, ENERGY STAR is a voluntary, market-based program that has saved consumers billions of dollars annually. The ENERGY STAR program has cumulatively reduced four billion metric tons of harmful emissions and currently supports more than 790,000 American jobs manufacturing and installing ENERGY STAR products.  
    ENERGY STAR is strongly supported by a wide array of manufacturers, homebuilders, housing organizations, building owners, small businesses, and other organizations. In April, the U.S. Real Estate Industry sent a letter to the Trump Administration expressing its strong support for the ENERGY STAR program. Additionally, the U.S. Green Buildings Council partnered with the Alliance to Save Energy in leading over 1,000 organizations in urging the Trump Administration to protect the program and maintain full funding and staffing levels. 
    In addition to Senators Welch and Shaheen, the letter was signed by Senators Bernie Sanders (I-Vt.), John Fetterman (D-Pa.), Mazie Hirono (D-Hawaii), Angus King (I-Maine), Chris Coons (D-Del.), Ed Markey (D-Mass.), Sheldon Whitehouse (D-R.I.), Chris Van Hollen (D-Md.), Dick Durbin (D-Ill.), Tammy Baldwin (D-Wis.), Jeff Merkley (D-Ore.), Amy Klobuchar (D-Minn.), Brian Schatz (D-Hawaii), Lisa Blunt Rochester (D-Del.), Tina Smith (D-Minn.), Ron Wyden (D-Ore.), Martin Heinrich (D-N.M.), Richard Blumenthal (D-Conn.), Michael Bennet (D-Colo.), and Cory Booker (D-N.J.). 
    Read and download the full letter. 

    MIL OSI USA News –

    May 22, 2025

  • MIL-OSI USA: Welch Joins Colleagues in Introducing Resolution Reaffirming U.S.-Canada Partnership 

    US Senate News:

    Source: United States Senator Peter Welch (D-Vermont)
    WASHINGTON, D.C. — U.S. Senator Peter Welch today joined Senators Kevin Cramer (R-N.D.) and Angus King (I-Maine) in introducing a resolution to recognize the U.S.-Canada partnership and its shared interests in economic, energy and critical minerals, and national security. The United States and Canada share three oceans and the world’s longest border. About 400,000 people and more than $2.5 billion worth of goods and services move across the U.S.-Canada border each day. 
    Canada is the largest trading partner for 34 U.S. states, including Vermont. In 2024 alone, trade with Canada accounted for 35% of Vermont’s exports, 67% of imports, and 56% of its total trade. One in four businesses in Vermont relies on trade with Canada and sells more goods to Canada than the next six largest foreign markets combined. In 2023, Vermont exported $150 million just in food and agricultural products to Canada. 
    “Canada is Vermont’s biggest trading partner and one of our most important allies—but first and foremost, they’re our friend. That friendship is based on centuries of trust and mutual respect, and the success of our northern neighbors directly impacts the success of hardworking families, businesses, farms, and manufacturers here in the United States. This administration is challenging that relationship,” said Senator Welch. “Attacks on Canada—whether through rhetoric or reckless trade policy—are eroding the bond between our two countries. Staying rooted in the values that have defined our relationship over time–respect, trust, and friendship–are vital to strengthening our alliance now and in the future.” 
    “Representing a Northern border state, I recognize the importance of the unique partnership between the United States and Canada,” said Senator Cramer. “Not only are our neighbors to the north crucial economic and national security partners, but they are literally our closest ally. This resolution celebrates our closeness and is a testament to the enduring strength, friendship, and importance of the U.S.-Canada alliance across the country and the globe.” 
    “The United States and Canada have always been closely tied; we share our economies, cultures, military interests and more. In fact, in Maine, even our next door neighbor lives right across the border,” said Senator King. “I continue to be proud of the work we have achieved under the American-Canadian Economy and Security (ACES) Caucus alongside my Senate Co-Chair Kevin Cramer, but know that the current situation presents many unfortunate challenges. While I am excited to reintroduce this resolution to reaffirm our two nations’ commitment to one another, we must acknowledge the close ties between our countries to resolve and mitigate any potential disruptions to our intertwined interests. As close trade partners and allies, I look forward to strengthening this close alliance to tackle these shared challenges and seize new opportunities.” 
    Among other provisions, the resolution recognizes the relationship between the United States and Canada is critical to promoting peace, expanding global economic opportunity, and being prepared to respond to unforeseen events. It also reaffirms the bilateral and international alliance between the two countries, which allows both countries to face common threats together and uphold common values, including democracy, human rights, and the rule of law. 
    Additionally, the resolution emphasizes the shared defense and security commitments between the two nations, including the modernization of the North American Aerospace Defense Command (NORAD), joint border security initiatives, and cooperation in combating transnational threats such as illegal migration and fentanyl trafficking. 
    In addition to Senators Welch, Cramer, and King, the resolution is supported by Sens. Mike Crapo (R-Idaho), Maggie Hassan (D-N.H.), Marsha Blackburn (R-Tenn.), Amy Klobuchar (D-Minn.), Susan Collins (R-Maine), Lisa Murkowski (R-Ark.), and Mike Rounds (R-S.D.). A similar resolution was introduced in the House by U.S. Representative Mark Amodei (R-NV-02). 
    Read and download the full text of the resolution. 

    MIL OSI USA News –

    May 22, 2025

  • MIL-OSI United Kingdom: PM meeting with President Nikos Christodoulides of Cyprus: 21 May 2025

    Source: United Kingdom – Executive Government & Departments

    Press release

    PM meeting with President Nikos Christodoulides of Cyprus: 21 May 2025

    The Prime Minister hosted President Nikos Christodoulides of Cyprus for a short meeting in Downing Street during his visit to London.

    The Prime Minister hosted President Nikos Christodoulides of Cyprus for a short meeting in Downing Street during his visit to London.

    The leaders began by reflecting on the Prime Minister’s historic visit to Cyprus in December and welcomed the strengthening of the relationship between the two countries.

    The Prime Minister updated on the UK-EU Summit earlier in the week, and thanked President Christodoulides for his support in resetting the relationship between the UK and Europe. 

    The leaders looked forward to speaking again soon.

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    Updates to this page

    Published 21 May 2025

    MIL OSI United Kingdom –

    May 22, 2025

  • MIL-OSI USA: Rep. Torres and Rep. Calvert Bill Establishing an Eastvale Zip Code Advances House Committee

    Source: United States House of Representatives – Congresswoman Norma Torres (35th District of California)

    May 21, 2025

    WASHINGTON, D.C. – Today, Congresswoman Norma Torres (CA-35) and Congressman Ken Calvert (CA-41) praised the advancement of H.R. 672 by the House Oversight and Government Reform Committee. The bill requires the U.S. Postal Service to designate a single, unique ZIP Code for the city of Eastvale, in addition to other communities across the country. Reps. Torres and Calvert both represent portions of the city of Eastvale in the House of Representatives.

    “For too long, Eastvale has faced unnecessary challenges due to the lack of a single, unique ZIP Code. I’m proud to work with Congressman Calvert as we push for a bipartisan solution that meets the needs of Eastvale’s growing community,” said Congresswoman Norma Torres. “This bill is about more than numbers-it’s about ensuring every resident, small business, and neighborhood is accurately represented and properly served. Today’s vote in committee is a big step forward for fairness- and we will continue to push for passage through the full House of Representatives.”

    “Eastvale residents and small businesses are one step closer to having the single, unique ZIP Code they have been seeking since incorporating as a city,” said Rep. Calvert. “As we have heard, establishing a single, unique ZIP Code for Eastvale is important for the city’s identity, GPS directions, insurance rates, the collection of sales taxes, and other factors. I’m thankful for the support of Rep. Torres and my House colleagues who have supported this legislation.”

    Earlier this year, Reps. Torres and Calvert reintroduced legislation, H.R. 1225, to establish a unique ZIP Code for the city of Eastvale. That bill was incorporated into H.R. 672, an omnibus ZIP Code bill introduced by Rep. Mario Diaz-Balart (FL-26). 

    Currently, the city of Eastvale is split between two ZIP codes, 91752 and 92880. The 91752 ZIP code is shared between Eastvale and the city of Jurupa Valley. The City of Eastvale was incorporated in 2010 and has a population of approximately 70,000.

    ###

    MIL OSI USA News –

    May 22, 2025

  • MIL-OSI USA: Congressman Valadao Fights to Improve Central Valley Roads

    Source: United States House of Representatives – Congressman David G Valadao (CA-21)

    WASHINGTON – Today, Congressman David Valadao (CA-22) led Reps. Sheila Cherfilus-McCormick (FL-20), Vince Fong (CA-20), and Jim Costa (CA-21) in reintroducing the Farm to Market Road Improvement Act. In major agricultural regions like the Central Valley, local roads and bridges are traveled often by heavy trucks hauling up to 80,000 pounds of agricultural freight. This constant strain leads to serious wear and tear, and it’s often local governments left footing the bill. This bipartisan bill would make additional federal resources available to help repair and maintain the infrastructure that keeps America’s food supply chain moving.

    Congressman Valadao introduced the Farm to Market Road Improvement Act in the 118th Congress.

    “The Central Valley is the backbone of our nation’s food supply, but after years of wear and tear from heavy trucks, many of our rural roads are in desperate need of repair,” said Congressman Valadao. “This bipartisan bill gives our communities access to the federal resources needed to repair and strengthen critical infrastructure, and I’m proud to lead this effort to support our farmers, grow our economy, and keep America’s food supply chain moving.”

    “Farmers in the Glades rely on safe, drivable roads that allow them to feed families across both our state and nation,” said Congresswoman Cherfilus-McCormick. “I’m proud to introduce this bipartisan piece of legislation to protect our agricultural backbone, repair local infrastructure, and strengthen our supply chains.”

    “My district is one of the top agricultural producing regions in the nation, and I’m proud to partner with Congressman Valadao to create another resource to improve roadways in the Central Valley,” said Congressman Fong. “By investing in our rural infrastructure we’re supporting the hardworking farmers who feed America and strengthening the supply chain that keeps our economy moving.”

    “Our farmers grow the food that feeds the nation, but they can’t do it without reliable roads to get their goods to market. The Farm to Market Roads Improvement Act ensures that rural communities like those in the San Joaquin Valley aren’t left behind,” said Congressman Costa. “By setting aside dedicated funding for farm-to-market road projects, we’re investing in the backbone of America’s agricultural economy and strengthening our rural infrastructure.” 

    “Reps. Valadao, Cherfilus-McCormick, Fong, and Costa’s legislation directs more federal transportation funding to communities like Tulare County,” said Tulare County Association of Governments Chairman Rudy Mendoza. “Our roads are used not only by residents traveling to work, but by agricultural goods on their way to markets across the world. This bill recognizes the national economic impact of our region and we appreciate our Congressional delegation’s continued support.”

    “Our local economy depends on safe, reliable infrastructure to move agricultural goods efficiently from the fields to the market,” said Kings County Supervisor Doug Verboon. “Farm-to-market roads are vital for connecting growers to processors, distributors, and markets across the region. The Farm to Market Road Improvement Act recognizes the unique transportation needs of rural farming communities and delivers the kind of targeted federal investment needed to maintain and modernize these critical routes.”

    “We welcome Rep. Valadao’s attention on this issue, particularly at a time when investments in our nation’s rural infrastructure continues to lag behind our more urban areas,” said Shannon Douglass, President, California Farm Bureau. “As we like to say—food security is national security—and this legislation would help provide a much-needed boost towards protecting our critical food supply chains.” 

    “Palm Beach County, Florida supports resources to agricultural and rural communities to assist in repairing Farm to Market roads as efficiently as possible, so that agricultural products can be transported safely and quickly from farms to consumers,” said Maria G. Marino, Mayor, Palm Beach County, FL. “We support the legislative efforts of Reps. Valadao, Cherfilus-McCormick, Fong and Costa to define Farm-to-Market Roads in eligible counties, ensuring that 10% of the Rural Transportation Grant Program is directed to these crucial agricultural roadways.”

    Background:

    The Farm to Market Road Improvement Act would create a 10 percent set aside in the Rural Surface Grant Transportation Program for farm to market roads. Farm to market roads would be defined by this legislation as roads within a county that have an annual gross ag production value of at least $1 billion and ag production of at least $500,000 per square mile. Kern, Kings, and Tulare Counties all qualify under these criteria. The DOT and USDA would be required to create, and annually update, a list of covered counties.

    Read the full bill here.

    ###

    MIL OSI USA News –

    May 22, 2025

  • MIL-OSI New Zealand: Dansey Road, Ngongotaha Valley is closed due to a serious crash

    Source: New Zealand Police


    District:

    Bay of Plenty

    At around 8am emergency services received reports of a two-vehicle crash, where there are thought to be serious injuries.

    Traffic is being diverted onto State Highway 5.

    Motorists are asked to take alternate routes if possible.

    ENDS

    MIL OSI New Zealand News –

    May 22, 2025

  • MIL-OSI: Best Same Day Payday Loans for Quick Cash in 2025: MoneyMutual Picked as the Top Pick for Guaranteed Approval

    Source: GlobeNewswire (MIL-OSI)

    Las Vegas, NV, May 21, 2025 (GLOBE NEWSWIRE) —

    In today’s unpredictable economy, financial emergencies rarely come with a warning. A sudden car repair, medical bill, or missed paycheck can send even the most prepared households into a scramble. In such moments, speed isn’t just convenient, it’s essential.

    As Americans increasingly turn to fast, flexible lending options, the demand for same-day payday loans has surged. Just as we expect rapid food delivery and real-time updates, financial solutions must also keep pace. Consumers want cash in hand, not tomorrow, but today.

    Amid a crowded field of lenders and brokers, MoneyMutual has emerged as the leading online platform connecting borrowers with trusted same-day payday loan providers. Recognized for its efficiency, wide lender network, and secure process, MoneyMutual stands out as the top choice for those seeking fast financial relief in a pinch.

    Stay with us as we take a closer look at how MoneyMutual works and why it’s become the go-to resource for same-day lending solutions in 2025.

    >> Consider MoneyMutual for Same Payday Loans >>

    Overview of the Leading Same Day Payday Loan Connection Service – MoneyMutual

    When time is of the essence and financial relief can’t wait, MoneyMutual stands at the forefront of same-day payday loan connection services. With a reputation built on speed, simplicity, and trust, the platform offers a fast and accessible route for borrowers seeking immediate financial support.

    Speed of Potential Funding: One of MoneyMutual’s standout features is its ability to facilitate rapid access to funds, often as soon as the same business day. After submitting a short application, borrowers are swiftly connected with a lender from the platform’s expansive network. If approved, funds can be deposited directly into the applicant’s bank account within hours, depending on the lender’s processing times and bank policies.
    Extensive Lender Network: MoneyMutual doesn’t issue loans directly. Instead, it acts as a trusted intermediary, linking users to an array of verified online payday lenders. This expansive network increases the chances of loan approval by matching borrower needs with the criteria of various lending partners.

    >> Visit MoneyMutual to Find Out More >>

    Key Evaluation Factors

    To determine why MoneyMutual stands out among same-day payday loan connection services, several key factors were assessed, from lender quality to user experience.

    Quality and Size of Lender Network
    MoneyMutual partners with over 60 lenders, ranging from specialized payday providers to short-term installment loan companies. These are vetted for reliability and compliance, offering borrowers a better shot at finding a match tailored to their financial situation.

    Accessibility of Loan Options
    The platform supports a broad range of loan amounts, typically between $100 and $5,000, depending on individual lender terms and borrower qualifications. This flexibility accommodates everything from small emergencies to more urgent, moderate expenses.

    Potential for Rapid Funding
    Once connected with a lender, borrowers may receive funds as quickly as within 24 hours, and in some cases, the same day. This makes MoneyMutual a highly attractive option for those facing time-sensitive financial stressors.

    Platform Usability
    The MoneyMutual website is designed for ease and efficiency, featuring mobile compatibility and streamlined navigation. Borrowers can apply, review offers, and connect with lenders all within minutes.

    Simple Application Process
    Filling out MoneyMutual’s secure online form typically takes under five minutes. Applicants provide basic information about their income, employment status, and banking details. Once submitted, the platform immediately begins matching them with potential lenders.

    Features for Borrowers
    MoneyMutual allows users to compare loan offers from multiple lenders in one place. This increases transparency and empowers users to select the option that best meets their needs.

    Transparency of Lender Terms
    While MoneyMutual itself doesn’t dictate terms, it emphasizes partnerships with lenders that clearly disclose loan amounts, repayment dates, APRs, and fees, a crucial feature in helping borrowers make informed decisions.

    Ease of Navigation
    The website features a clean, modern interface with clear calls-to-action and informative content. Even first-time users will find it intuitive to use on desktop or mobile.

    Typical Loan Parameters
    Loan amounts facilitated through MoneyMutual generally range from $100 to $5,000, with repayment periods often between 14 and 30 days, depending on the lender and state regulations. Some lenders may offer extended terms for installment loans.

    >> Consider MoneyMutual for Same Payday Loans >>

    Pros and Cons of MoneyMutual for Same Day Payday Loans

    In a financial climate where speed often matters most, MoneyMutual has emerged as a go-to marketplace for borrowers seeking same day payday loans. But how does it really stack up? We take a closer look at the platform’s key advantages and potential drawbacks as more Americans turn to short-term lending for emergency expenses.

    Pros:

    • Potential for Fast Fund Access: Many users report receiving funds as soon as the next business day, sometimes even within hours, depending on the lender.
    • Large Network of Participating Lenders: MoneyMutual connects users with a broad pool of lenders, increasing the chances of finding a match, even with less-than-perfect credit.
    • Streamlined Online Application Process: The initial form takes just minutes to complete, making it ideal for time-sensitive borrowing needs.
    • User-Friendly Online Platform: The website is simple to navigate, guiding applicants from inquiry to lender match with minimal friction.
    • Opportunity to Compare Multiple Loan Offers: Users can review different offers and select terms that best align with their needs before committing.

    Cons:

    • MoneyMutual Is Not a Direct Lender: The platform acts as a facilitator, meaning users must evaluate and finalize terms with third-party lenders independently.
    • Loan Terms and Interest Rates Vary by Lender: APRs, repayment windows, and fees differ widely, and borrowers must scrutinize each offer carefully.
    • Payday Loans Typically Involve High Interest Rates and Fees: Even when fast cash is needed, these loans can become costly, especially if rolled over or extended.

    How to Utilize MoneyMutual for Potential Same Day Payday Loans

    As financial pressures grow for millions of Americans, platforms like MoneyMutual are seeing increased usage from borrowers in need of quick cash. Here’s how consumers can navigate the service to potentially access same day payday loans.

    Step-by-Step Process:

    • Visit the Official MoneyMutual Website: Begin by going to MoneyMutual.com, where users can start the loan inquiry process directly from the homepage.
    • Complete the Secure Online Application Form: Applicants are asked to enter basic personal and financial information. The form typically takes just a few minutes and is encrypted to protect sensitive data.
    • Review Loan Offers from Lenders in the Network: Once submitted, the system distributes the application to a network of participating payday lenders. Eligible borrowers may receive multiple offers to compare.
    • Examine Terms and Conditions Carefully Before Accepting: Each lender sets its own rates, fees, and repayment requirements. Experts caution that borrowers should read all terms closely and ensure they understand the total repayment cost before agreeing to any loan.

    With no obligation to accept an offer, MoneyMutual serves as a free intermediary rather than a direct lender. However, borrowers should be aware of state-specific payday loan regulations and consider all financial alternatives before proceeding.

    Types of Short-Term Financial Assistance Facilitated by MoneyMutual

    As rising costs and inflation strain household budgets, Americans are increasingly turning to alternative lending platforms for fast, flexible cash solutions. Among them, MoneyMutual has gained traction as a major online marketplace that connects borrowers with lenders offering a variety of short-term financial products. While the platform itself isn’t a direct lender, it facilitates access to multiple loan types tailored for immediate financial relief.

    Here’s a closer look at the key types of loans available through the MoneyMutual network:

    • Payday Loans: These are brief, high-cost loans intended to cover expenses until the borrower’s next paycheck. Loan amounts are typically small, often between $100 and $1,000, but carry high interest rates and fees. While controversial due to their cost, payday loans remain a common solution for those facing sudden emergencies like utility shutoff notices or medical expenses.
    • Short-Term Loans: This broader category includes installment loans and other forms of lending with short durations, usually ranging from a few weeks to several months. These loans may offer slightly more favorable repayment terms than traditional payday loans and can be used for a variety of needs, such as auto repairs, rent payments, or temporary income disruptions.
    • Bad Credit Loans: For borrowers with low credit scores or limited credit history, MoneyMutual helps facilitate access to lenders willing to work with higher-risk applicants. These loans come with elevated interest rates but offer a vital financial lifeline to consumers often excluded from traditional banking systems.
    • Cash Advances: Cash advances are designed for rapid disbursement, sometimes within 24 hours, and are ideal for extremely time-sensitive expenses. Typically repaid from the borrower’s next paycheck, these loans are often used to bridge the gap between pay periods or when an unexpected cost arises.

    While these financial products can offer short-term relief, experts caution they should be used carefully. Borrowers are urged to read loan terms closely, understand all associated fees, and assess whether repayment timelines align with their income schedule. Platforms like MoneyMutual may provide access, but financial responsibility lies squarely with the borrower.

    Customer Support and Resources Offered by MoneyMutual

    As more consumers turn to online lending marketplaces for fast financial relief, support and transparency have become increasingly important. MoneyMutual offers a basic but functional support system designed to guide users through the lending process.

    Unlike direct lenders, MoneyMutual serves as an intermediary, connecting users with its network of more than 60 short-term lenders. Because of this, its customer support doesn’t extend to loan management or repayment issues, which must be handled directly with the individual lender. However, the platform does provide users with access to key resources that help clarify how the loan matching process works.

    The company maintains a comprehensive FAQ section on its website, offering clear answers to common questions about eligibility, the loan request process, credit requirements, and fund disbursement. The site also outlines what borrowers can expect after being matched with a lender and encourages users to review terms carefully before signing any agreement.

    The platform doesn’t offer live chat or in-depth financial education tools, it emphasizes its role as a free service to connect borrowers with loan offers, placing the responsibility of further communication and decision-making on the user.

    Potential Disbursement Methods Through MoneyMutual’s Network

    As more consumers turn to online lending platforms for fast financial relief, how those funds are delivered becomes just as critical as loan approval itself. MoneyMutual, one of the most recognized payday loan marketplaces, connects borrowers with a wide range of lenders, each offering different methods of disbursing funds.

    • Direct Deposit to Bank Account: The most widely used and efficient method among lenders in the MoneyMutual network is direct deposit. Once approved, borrowers may receive funds directly into their checking account, often within 24 hours. For many facing urgent expenses, this speed and convenience are a significant advantage.
    • Other Methods (Varies by Lender): While direct deposit remains the standard, some lenders may offer alternative electronic disbursement options, such as ACH transfers or prepaid debit card funding. However, availability can vary by lender and borrower location, and these alternatives may affect how quickly funds are accessible.

    Borrowers using MoneyMutual should confirm disbursement methods and timelines directly with their matched lender to ensure there are no delays in accessing their funds.

    Navigating Same Day Payday Loans Responsibly: Important Cautions

    Same day payday loans can serve as a financial lifeline in moments of crisis, but they must be approached with caution. The high interest rates, short repayment terms, and risk of repeat borrowing make them a risky option for most consumers. 

    By understanding the costs, reading loan terms carefully, and seeking alternative financial solutions where possible, borrowers can protect themselves from unnecessary financial hardship. Responsible borrowing begins with informed decision-making, and when in doubt, seeking professional financial guidance is always a wise move.

    Understand the High Costs
    Same day payday loans may provide fast funds, but they are among the most expensive forms of borrowing available. These loans typically carry high interest rates, with annual percentage rates (APRs) that can reach or exceed 300%. 

    In many cases, the fees and interest owed may be nearly as much as the original loan amount. For example, borrowing $300 could cause repaying $375 or more in just two weeks. Without a clear repayment strategy, the costs can escalate quickly, especially if the borrower is forced to extend or roll over the loan.

    Review Loan Terms Carefully
    Payday loans are legally required to disclose all terms and fees, but borrowers often overlook the fine print. Each lender may have different repayment policies, fees for late or missed payments, or clauses that allow for automatic withdrawal from a borrower’s checking account. 

    Carefully reviewing these terms before accepting a loan is essential. Understanding the total repayment amount, due date, and what happens if repayment is delayed can help prevent surprises and avoid spiraling fees.

    Borrow Only What You Can Repay
    It may tempt you to borrow the maximum amount offered, especially when facing financial stress. However, payday loans are due in full within a short timeframe, usually on your next payday. Borrowing more than you can reasonably afford to repay can quickly result in bounced payments, overdraft fees, or the need to take out additional loans.

    A good rule of thumb is to borrow the minimum amount needed and ensure that full repayment can be made from your next paycheck without jeopardizing other essential expenses.

    Be Aware of Short Repayment Periods
    Unlike personal loans or credit cards that allow for flexible monthly payments, payday loans are typically due in a lump sum within 14 to 30 days. This compressed repayment window can strain already tight budgets.

    Missing the repayment deadline can trigger additional fees and result in a cycle of borrowing and debt accumulation. Many borrowers find themselves having to take out new payday loans just to cover the previous ones, further increasing financial stress.

    Consider Alternatives First
    Before committing to a payday loan, it’s worth exploring other, less expensive borrowing options. Credit unions often offer Payday Alternative Loans (PALs), which feature lower interest rates and longer repayment periods. Some banks provide small-dollar personal loans with predictable terms. 

    Other alternatives include negotiating payment plans with utility companies, seeking temporary hardship assistance from local nonprofits, or utilizing buy now, pay later services for specific purchases. These alternatives may not offer instant cash, but they typically come with fewer long-term risks and better repayment flexibility.

    Recognize the Risk of Debt Traps
    One of the most concerning aspects of payday loans is the potential for borrowers to fall into a debt trap. Many payday loan users find themselves unable to repay the full balance on time and must take out another loan to cover the previous one. This cycle of borrowing and repayment often continues for months, with fees compounding at every step. 

    Over time, a small loan can grow into a major debt burden, affecting a borrower’s ability to meet other financial obligations and damaging their overall financial stability.

    Seek Financial Advice if Needed
    For those considering payday loans or currently struggling with repayment, seeking help from a financial advisor or credit counselor can be a valuable step. Nonprofit credit counseling agencies offer free or low-cost services that include budgeting support, debt management plans, and guidance on safer borrowing options. 

    Some states and local governments also provide financial education programs to help consumers better understand loan terms and credit usage. Accessing these resources can provide long-term financial strategies that reduce reliance on high-cost, short-term loans.

    Frequently Asked Questions

    If you’re considering a same-day payday loan, it’s important to understand exactly how these loans work, what they cost, and what to expect from the process. Below are answers to the most common questions borrowers ask before applying.

    What Is a Same-Day Payday Loan?
    A same-day payday loan is a short-term, high-interest loan designed to give borrowers quick access to cash, usually on the same day they apply. These loans are used to cover urgent expenses such as medical bills, car repairs, or unexpected utility payments. The loan amount is usually small (often between $100 and $1,000) and must be repaid in full on your next payday, usually within two to four weeks.

    How Quickly Can I Get the Money?
    If approved, many lenders can deposit funds into your bank account within a few hours or by the end of the business day. However, actual timing depends on when you apply, the lender’s processing speed, and your bank’s deposit policies. Some lenders offer instant funding or same-day direct deposit if applications are submitted early in the day, while others may require overnight processing.

    Do I Need Good Credit to Get a Same-Day Payday Loan?
    No, same-day payday loans are generally accessible to borrowers with poor credit or no credit history at all. Most lenders don’t perform hard credit checks and instead focus on your income, employment status, and ability to repay the loan. Proof of a steady income, a valid ID, and an active checking account are typically the main requirements for approval.

    What Are the Costs Associated With Same-Day Payday Loans?
    Same-day payday loans can be very expensive. While the fees may seem modest upfront, the annual percentage rates (APRs) can reach 300% or more. For example, a $300 loan with a $45 fee for two weeks equates to a 391% APR. Failing to repay the loan on time can lead to additional fees, interest, and in some cases, collection activity. Always review the full cost of borrowing before committing.

    Can I Extend or Roll Over My Payday Loan If I Can’t Repay It on Time?
    Some lenders may offer extensions or rollovers, which allow you to delay repayment by paying an additional fee. However, this often leads to a cycle of debt, as the interest continues to accrue. Rolling over a loan once or multiple times can double or even triple your repayment obligation. If you’re struggling to repay, it’s best to contact the lender early and explore options, or seek help from a nonprofit credit counselor to avoid escalating costs.

    Editorial Note
    This article is provided solely for informational and entertainment purposes. Nothing within should be interpreted as legal, financial, or professional advice. Readers should carry out their own research before participating in payday loans.

    Affiliate Transparency
    This article may include affiliate links. If you click on a link and make a purchase or register, a commission may be earned, at no extra cost to you.

    Syndication and Liability Disclaimer
    Any third-party publishers, media platforms, or syndication partners that republish this content do so understanding that it’s meant for informational purposes only. These entities aren’t responsible for the legality, relevance, or interpretation of the material.

    Contact

    • Company: MoneyMutual
    • Address: 2510 E. Sunset Rd. Ste 6, #85 Las Vegas NV, 89120
    • Email: customerservice@moneymutual.com
    • Phone Support: 844-276-2063

    Attachment

    • MoneyMutual

    The MIL Network –

    May 22, 2025

  • MIL-OSI: F&M Bank Promotes Eric D. Faust to Executive Vice President

    Source: GlobeNewswire (MIL-OSI)

    ARCHBOLD, Ohio, May 21, 2025 (GLOBE NEWSWIRE) — F&M Bank (“F&M”), an Archbold, Ohio-based bank owned by Farmers & Merchants Bancorp, Inc. (Nasdaq: FMAO), is proud to announce the promotion of Eric D. Faust to Executive Vice President. Faust has served as the bank’s Chief Risk Officer since 2022, where he has led significant advancements in enterprise risk and regulatory compliance.

    In his role, Mr. Faust has successfully built F&M’s comprehensive risk and compliance team, integrated regulatory compliance more deeply into strategic decision-making, and enhanced the bank’s oversight structures. His efforts have helped ensure F&M continues to meet evolving regulatory expectations while maintaining a strong foundation for safe and sound growth.

    Prior to joining F&M, Mr. Faust served as First Vice President and Director of Risk Management at Northstar Financial Group in Wyoming, Michigan. He also held the position of Examination Manager for the State of Michigan’s Department of Insurance and Financial Services. He holds an MBA from Davenport University and a Bachelor of Science in Business Administration from Central Michigan University.

    “Eric’s promotion to Executive Vice President is a testament to his leadership and deep understanding of risk and compliance in today’s banking environment,” said Lars Eller, President and CEO of F&M. “He has played a vital role in strengthening our risk culture and ensuring we remain responsive and resilient in a highly regulated landscape.”

    Mr. Faust resides in Grand Rapids, Michigan, and will continue to lead F&M’s risk and compliance efforts in his expanded role.

    About F&M Bank:
    F&M Bank is a local independent community bank that has been serving its communities since 1897. F&M Bank provides commercial banking, retail banking and other financial services. Our locations are in Butler, Champaign, Fulton, Defiance, Hancock, Henry, Lucas, Shelby, Williams, and Wood counties in Ohio. In Northeast Indiana, we have offices located in Adams, Allen, DeKalb, Jay, Steuben and Wells counties. The Michigan footprint includes Oakland County, and we have Loan Production Offices in Troy, Michigan; Muncie, Indiana; and Perrysburg and Bryan, Ohio.

    Safe harbor statement
    Private Securities Litigation Reform Act of 1995. Statements by F&M, including management’s expectations and comments, may not be based on historical facts and are “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21B of the Securities Exchange Act of 1934, as amended. Actual results could vary materially depending on risks and uncertainties inherent in general and local banking conditions, competitive factors specific to markets in which F&M and its subsidiaries operate, future interest rate levels, legislative and regulatory decisions, capital market conditions, or the effects of the COVID-19 pandemic, and its impacts on our credit quality and business operations, as well as its impact on general economic and financial market conditions. F&M assumes no responsibility to update this information. For more details, please refer to F&M’s SEC filing, including its most recent Annual Report on Form 10-K and quarterly reports on Form 10-Q. Such filings can be viewed at the SEC’s website, www.sec.gov or through F&M’s website www.fm.bank.

    Company Contact: Investor and Media Contact:
    Lars B. Eller
    President and Chief Executive Officer
    Farmers & Merchants Bancorp, Inc.
    (419) 446-2501
    leller@fm.bank    		 Andrew M. Berger
    Managing Director
    SM Berger & Company, Inc.
    (216) 464-6400
    andrew@smberger.com
       

    A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/492467f9-4e52-45e6-a6fc-3278cf80cea0

    The MIL Network –

    May 22, 2025

  • MIL-OSI: United Fire Group, Inc. declares quarterly cash dividend of $0.16 per share

    Source: GlobeNewswire (MIL-OSI)

    CEDAR RAPIDS, Iowa, May 21, 2025 (GLOBE NEWSWIRE) — Today, the board of directors of United Fire Group, Inc. (UFG) (Nasdaq: UFCS) declared a common stock quarterly cash dividend of $0.16 per share. This dividend will be payable June 20, 2025, to shareholders of record as of June 6, 2025.

    UFG has a long history of paying quarterly dividends, with the quarterly cash dividend declared today marking the 229th consecutive quarterly dividend paid, dating back to March 1968.

    About UFG

    Founded in 1946 as United Fire & Casualty Company, UFG, through its insurance company subsidiaries, is engaged in the business of writing property and casualty insurance. The company is licensed as a property and casualty insurer in 50 states and the District of Columbia, and is represented by approximately 1,000 independent agencies. AM Best assigns a rating of “A-” (Excellent) for members of the United Fire & Casualty Group. For more information about UFG, visit www.ufginsurance.com.

    Contact:

    Investor relations
    Email: ir@unitedfiregroup.com 

    Media inquiries
    Email: news@unitedfiregroup.com 

    Disclosure of forward-looking statements

    This release may contain forward-looking statements about our operations, anticipated performance and other similar matters. The Private Securities Litigation Reform Act of 1995 provides a safe harbor under the Securities Act of 1933 and the Securities Exchange Act of 1934 for forward-looking statements. The forward-looking statements are not historical facts and involve risks and uncertainties that could cause actual results to differ from those expected and/or projected. Such forward-looking statements are based on current expectations, estimates, forecasts and projections about the Company, the industry in which we operate, and beliefs and assumptions made by management. Words such as “expect(s),” “anticipate(s),” “intend(s),” “plan(s),” “believe(s),” “continue(s),” “seek(s),” “estimate(s),” “goal(s),” “remain(s) optimistic,” “target(s),” “forecast(s),” “project(s),” “predict(s),” “should,” “could,” “may,” “will,” “might,” “hope,” “can” and other words and terms of similar meaning or expression in connection with a discussion of future operations, financial performance or financial condition, are intended to identify forward-looking statements. These statements are not guarantees of future performance and involve risks, uncertainties and assumptions that are difficult to predict. Therefore, actual outcomes and results may differ materially from what is expressed in such forward-looking statements. Information concerning factors that could cause actual outcomes and results to differ materially from those expressed in the forward-looking statements is contained in Part I, Item 1A “Risk Factors” of our Annual Report on Form 10-K for the year ended December 31, 2024, filed with the Securities and Exchange Commission (“SEC”) on February 26, 2025. The risks identified in our Annual Report on Form 10-K and in our other SEC filings are representative of the risks, uncertainties, and assumptions that could cause actual outcomes and results to differ materially from what is expressed in the forward-looking statements. Readers are cautioned not to place undue reliance on these forward-looking statements, which speak only as of the date of this release or as of the date they are made. Except as required under the federal securities laws and the rules and regulations of the SEC, we do not have any intention or obligation to update publicly any forward-looking statements, whether as a result of new information, future events, or otherwise.

    The MIL Network –

    May 22, 2025

  • MIL-OSI: Best Mobile Tracking & Monitoring App 2025: mSpy Review – Top Mobile Spy App for Hidden Phone Surveillance

    Source: GlobeNewswire (MIL-OSI)

    New York City, NY, May 21, 2025 (GLOBE NEWSWIRE) — In the contemporary era of digitization, the ubiquity of smartphones has redefined our modes of communication and global connectivity.

    Concomitant with this technological progress, the surge of phone surveillance applications has emerged, granting a window into the undertakings and engagements transpiring on these gadgets.

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    While phone surveillance software wields considerable potential within certain contexts, it is imperative to undertake their employment with a discerning consciousness of accountability and ethical considerations.

    Observing the current landscape, it becomes evident that social media platforms and mobile devices have assumed roles of paramount significance in the contemporary child’s life. Per findings unveiled by the Common Sense Census, a notable 84% of American adolescents within the age cohort of 13 to 18 acquired their initial smartphone during the year 2019. Subsequently, these youths dedicated an average of precisely 7 hours and 22 minutes daily, exclusively engrossed in social media applications and websites.

    ✅ Top Pick: mSpy – Best Mobile Spy & Monitoring App for Hidden Phone Surveillance this year.

    While the internet undeniably furnishes global youngsters with a commendable avenue for unfettered education and communication, it has concurrently engendered a milieu wherein they engage with individuals entirely unfamiliar to them. This virtual realm’s essence necessitates an appraisal of the electronic safety quotient. Young minds stand perpetually exposed to online perils, ranging from cyberbullying and harassment to the insidious realm of sextortion. Beyond this, extensive social media usage harbors the potential to precipitate internet dependency, potentially culminating in social interaction deficits amongst the youthful demographic.

    Don’t Settle for Less: Get the Best Mobile Spy App of 2025 – mSpy Is All You Need

    Advancements in technology are progressing rapidly, and the pervasive presence of smartphones is evident across diverse age groups. People spanning from children to adults rely on various applications and mobile services to facilitate their daily routines. The desire to ensure your children’s well-being in the digital realm, gather pertinent information from your spouse’s mobile device, or optimize workforce efficiency might lead to the inclination of discreetly and autonomously monitoring a specific individual’s Android device.

    However, not all of these options prove to be efficient and valuable. Among the array of spy applications we evaluated, mSpy emerged as our paramount selection after meticulous scrutiny. 

    Why Mobile Tracking Apps Are in High Demand in 2025
    The need for mobile tracking and monitoring apps has surged in 2025. With nearly everyone relying on smartphones for work, social interaction, and entertainment, concerns around digital safety, accountability, and privacy breaches have grown. Parents are more cautious than ever about their children’s online activity. Employers are seeking better ways to monitor company-issued devices. Even individuals in relationships are using tracking apps to rebuild trust or stay informed.
    Monitor Any Device in Stealth Mode – mSpy Is the Best Mobile Tracking App Trusted Worldwide
    Cyberbullying, online predators, screen addiction, and unauthorized data sharing are just a few reasons why mobile tracking solutions are in high demand. At the same time, the rise of remote workforces has made employee monitoring essential for business owners to prevent misuse of company time and resources.
    Apps like mSpy have emerged as tools that provide peace of mind. They offer insight into text messages, GPS locations, app usage, and more—without requiring direct access to the device in real time. These tools are becoming an integral part of modern digital life, helping people feel more secure in a hyper-connected world.
    What to Look For in a Mobile Spy App
    Not all mobile tracking apps are created equal. Some offer advanced features but lack ease of use; others are stealthy but limited in scope. If you’re looking for a phone spy app in 2025, there are several key features to prioritize.
    First, compatibility is crucial—make sure the app works on both Android and iOS devices. Look for real-time GPS tracking, call and SMS logs, social media monitoring, and browsing history access. The app should run discreetly in the background to avoid detection and provide a user-friendly dashboard for accessing tracked data.
    Security is equally important. Top-tier apps use encrypted data channels to ensure privacy, both for the person being monitored and the one viewing the information. Reliable customer support, frequent updates, and clear installation guides also add to a tool’s credibility.
    When evaluating mobile monitoring software, features like geofencing, app usage limits, and screen time analysis can add extra value—especially for parental use. A well-rounded app like mSpy offers all of these while keeping the setup process simple and discreet.
    Full Access. Zero Detection. mSpy Is the Best Mobile Spy App for Hidden Surveillance
    Is Phone Spying Safe & Ethical?
    Phone tracking, when used ethically, can serve as a protective tool. But misuse can raise serious privacy concerns. The line between security and surveillance often comes down to intent—and legality.
    In many countries, it’s legal for parents to monitor the phones of their minor children without consent. Employers may also monitor company-owned devices provided they disclose it in their policies. However, using a spy app to monitor a partner or adult without consent can cross legal and ethical boundaries.
    Apps like mSpy are designed for legitimate use cases, particularly child safety and employee productivity. The app clearly states that users must comply with local laws and have proper authorization. If used responsibly, mSpy can empower users to stay informed and make proactive decisions without violating trust.
    Understanding the ethical framework before using any mobile spy app is critical. When used as intended—for safety, protection, and responsible oversight—it becomes a digital ally rather than an invasion of privacy.

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    What Is mSpy?

    mSpy is a mobile tracking and monitoring application designed to give users discreet access to key data from smartphones and tablets. Introduced to the market in 2010, the spy application tailored for smartphones provides the capability to clandestinely observe individuals employing the designated device. It seamlessly integrates into employee phones or the devices of your progeny, facilitating real-time oversight of their whereabouts and engagements on the device.
    Leveraging mSpy’s free version, you can meticulously monitor diverse activities, encompassing geographic movements, social media interactions, phone conversations, as well as the dispatch and receipt of messages.

    The apex attribute of this application resides in its inconspicuous functionality, evading detection by the party under scrutiny. It discreetly operates in the backdrop, diligently acquiring information without arousing their awareness.

    Over the course of time, this technology has undergone refinement, with mSpy presently standing as the preeminent application of its genre. Its ascendancy is corroborated by a substantial user base exceeding one million parents who employ it as a means to oversee their children’s pursuits. Furthermore, it proves instrumental for spouses and employers who harbor the intent to gain insights into the activities of their target individuals.

    mSpy encompasses these pivotal features for parental supervision:

    • Online and application filtering — Dictate the permissible applications for your children and the websites they are permitted to access. It’s worth noting that mSpy’s capacity for website filtering is limited to specific blacklisting, without the option to categorically filter websites.
    • Location tracing — Maintain tabs on your child’s whereabouts and their historical movements.
    • Activity summaries — Consolidates and presents insights regarding your child’s device utilization, encompassing their most frequent contacts for messaging and calling, prevalent websites visited, and more.

    In addition to the aforementioned, mSpy boasts an array of supplementary functionalities, inclusive of call and SMS tracking, surveillance of social media applications, a keylogger, and screen recording capabilities.

    Get the Best Mobile Spy App of the Year – Instant mSpy Setup. No Tech Skills Needed.

    How does mSpy work?

    As previously indicated, subsequent to a successful installation of mSpy on the designated mobile device, it will seamlessly operate in the device’s background. It diligently assembles a wide spectrum of data from the said device, encompassing call logs, text messages, instant messaging dialogues, geographic positioning, among others, subsequently transmitting this data to your designated mSpy account.

    Subsequently, accessing your account is a streamlined process. You can effortlessly log into your account utilizing any web browser accessible through diverse devices such as mobile phones, desktops, and laptops, thus facilitating a thorough perusal of the accumulated information as per your convenience.
    Simplified Monitoring in Three Effortless Phases
    To initiate monitoring, you can effortlessly adhere to the ensuing three uncomplicated stages, commencing your child’s device oversight seamlessly.

    First Step: Select a Subscription
    Embark upon your journey by selecting an appropriate subscription plan from the mSpy website, catering to your precise software attribute prerequisites. Subsequently, finalize the purchase by inputting your payment particulars. Following this, an email confirming your transaction will be dispatched to your inbox.

    Second Step: Deploy mSpy onto the Target Device
    Contained within the welcome email is an installation manual, meticulously guiding you through the process of establishing the mSpy application upon the targeted device.

    Third Step: Initiate Surveillance
    With the successful implementation of mSpy upon the designated device, you can seamlessly access your control panel on the mSpy website, thereby commencing an effortless exploration of the acquired data through an intuitively designed dashboard.

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    Primary Features of mSpy

    mSpy has several unique features and we are explaining a few of them that piqued our interest.

    • Supervision and Site Limitation: Embedded within mSpy’s array of functionalities is the capacity to oversee the websites frequented by your child or designated individual, encompassing even bookmarked pages. Moreover, the application stands poised to furnish prompt notifications when particular keywords are inputted into the mobile device. This dynamic attribute can prove notably advantageous for parents, enabling them to attain heightened insights into their children’s online explorations and content consumption.
    • Moreover, an ancillary capability affords you the prerogative to restrict access to specific websites. This provision holds true on the premise that the monitored entity employs any of the prevalent web browsers such as Safari, Chrome, or a native Android browser. 
    • Procure Requisite Insights: The entirety of the data gleaned from the targeted device orchestrates its voyage to your dedicated dashboard on mSpy.com. This hub offers a comprehensive glimpse into the targeted phone’s operating system, memory utilization, as well as particulars regarding the cell provider and installed software version. The dashboard even presents real-time indications of the remaining battery charge. Furthermore, it extends visibility into the habitual usage patterns and synchronization status of the targeted phone.
    • From this vantage point, you wield the authority to either reactivate or entirely disable the software. Additional functionalities encompass log extraction, device locking, log removal, disconnection from the application, data preservation measures in the event of device loss, and the capacity to initiate a device reboot. mSpy endows you with a formidable realm of control, resting at your disposal.
    • Text Communication Surveillance: Beyond telephonic conversations, the mSpy tracking tool extends its reach to encompass transmitted, received, and erased text messages. This capacity affords the means to ascertain whether your child engages in the dissemination of unsuitable content or confidential details, or if such interactions transpire reciprocally.
    • Vigilance Over Virtual Networks: Resonating with akin surveillance solutions like WebWatcher, mSpy facilitates oversight of diverse messaging platforms and social media applications. To avail this elevated functionality, opting for the Premium or Family Kit subscription is a requisite. Additionally, there might be a need to undertake jailbreaking or rooting of the device to unlock this advanced layer of surveillance capability.
    • Contact and Schedule Examination: Employing mSpy empowers you to peruse the compilation of contact identities, email addresses, telephone digits, as well as the tangible address entries, meticulously archived within the target mobile device. Furthermore, you gain the prerogative to scrutinize the calendar itinerary featured on the target device. This extends the capability to remain attuned to scheduled engagements, calendar annotations, and any foreordained appointments.
    • App & Screen Activity: See which apps are installed and how frequently they’re used. You can also block specific apps from running if necessary.
    • Location Surveillance via GPS: Within the realm of parental surveillance, mSpy empowers you to virtually shadow your offspring. The application offers the prowess to trail your child’s spatial trajectory, revealing an encapsulated chronicle of their route history over a designated time span. This granular information encompasses specific addresses and coordinates, affording an exhaustive retrospective and contemporary snapshot of locations traversed.
    • Boundary Delimitation: An innovative facet encompassed within mSpy’s repertoire is the introduction of geofencing. This progressive attribute empowers you to demarcate regions of safety and restraint. As your child enters or departs these predefined zones, you are promptly apprised via email notifications. A supplementary benefit is the integrated mapping feature, which adeptly illustrates the historical trajectory of your child’s movements.
    • Keylogger: mSpy includes a built-in keylogger that records every keystroke made on the device. This is especially helpful for uncovering hidden logins, searches, or messages typed across apps.

    Parental Control? Employee Oversight? mSpy Is the Best Phone Monitoring App for You

    mSpy Pros and Cons

    ✅ Pros:

    • Stealth Mode: Operates invisibly in the background without user detection.
    • Multi-App Monitoring: Tracks major social media platforms.
    • Geofencing & Real-Time Alerts: Great for parents and employers.
    • User-Friendly Dashboard: Clean interface with easy navigation.
    • Cross-Platform Support: Compatible with Android and iPhone.

    ❌ Cons:

    • Some Features Require Rooting or Jailbreaking: Advanced tools need extra steps.
    • Pricing Is Subscription-Based: No one-time purchase option.
    • No Live Call Recording: Restricted due to privacy laws in many regions.

    Despite these limitations, mSpy remains one of the most balanced spy apps for those seeking depth without unnecessary complexity.

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    Compatibility of mSpy application Across Mobile Devices

    mSpy extends its compatibility umbrella over an extensive array of mobile phones and tablets, encompassing the following:

    • iOS 7 through 9.1 for mSpy with jailbreak. In scenarios where the targeted iPhone remains unjailbroken, data transfer is routed through iCloud storage, facilitating mSpy functionality on any phone with iOS 7 or higher.
    • Android 4 or subsequent iterations, although certain advanced facets of the application may solely be accessible on rooted Android devices.
    • Mac OS X variants encompassing 10.9 Mavericks, 10.8 Mountain Lion, 10.7 Lion, 10.11 El Capitan, and 10.10 Yosemite.

    Costing of mSpy
    Outlined below is the cost framework for mSpy’s mobile phone monitoring services:

    mSpy Basic Plan
    1-month subscription: $39.99 3 

    mSpy Premium Plan
    1-month subscription: $59.99 3-month subscription:

    mSpy Family Kit
    Moreover, the company introduces the Family Kit, facilitating concurrent oversight of 3 devices. This package is available at the ensuing rates: 12-month subscription: $199.99

    mSpy Refund Policy: What You Need to Know

    mSpy offers a 14-day refund window for first-time subscribers, but only under specific conditions.

    ✅ Eligible for Refund:

    • You experience technical issues that mSpy’s support team cannot resolve.
    • Your refund request is submitted within 14 days of purchase.
    • The request pertains to your initial subscription (not renewals or additional purchases). 

    ❌ Not Eligible for Refund:

    • You change your mind or make an accidental purchase.
    • The target device is incompatible, lacks internet access, or has been reset.
    • You refuse to follow installation instructions or decline technical assistance.
    • You lack physical access to the target device or cannot unlock it.
    • You fail to reinstall mSpy after an OS update or factory reset.
    • You lose your private encryption key, resulting in data loss.
    • You attempt to use mSpy on unsupported operating systems (e.g., Symbian, Windows Phone, BlackBerry 10).

    How to Request a Refund:

    • Email your request to refund@mspy.com.
    • Include your order details and the reason for the refund.
    • Note: Refund requests are not accepted via live chat or phone. 

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    mSpy Installation Guide: Step-by-Step

    For Android Devices:

    1. Purchase your mSpy plan
    2. Access installation guide in your dashboard
    3. Enable app installation from unknown sources
    4. Install the app on the target device
    5. Hide the app icon (automatic)
    6. Start monitoring via your web account

    For iPhones:

    1. Buy mSpy and log in to your account
    2. Enter iCloud credentials of the target phone
    3. Enable backup sync (2FA must be off)
    4. Start tracking through your dashboard

    Total setup time: Under 10 minutes in most cases
    No ongoing access required once installed
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    Exploring the mSpy Free Trial 

    Embark on a 7-day exploration of the mSpy free trial to ascertain its potential merits. Upon initiation, you will be granted unrestricted access to all functionalities, acquainting yourself with the benefits it bestows.

    This trial stint is instrumental in unveiling the capacity to invisibly and remotely oversee any mobile device. The process is straightforward: navigate to mSpy.com, select an appropriate subscription plan, and opt for the free trial alternative.

    Following a week of experiential utilization, you possess the liberty to either perpetuate the subscription or opt for its termination. Should you aspire to delve into its efficacy sans financial commitment, the avenue of this complimentary trial beckons.

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    Is mSpy Legal to Use?

    The legality of mobile tracking apps depends on how they’re used:

    • ✅ Legal for Parental Monitoring: Parents can track their minor children’s phones.
    • ✅ Legal on Company Devices: Employers can monitor work-issued devices with employee consent or policy documentation.
    • ❌ Illegal Without Consent: It’s unlawful in many regions to spy on a spouse, adult, or partner without permission.

    mSpy emphasizes responsible usage. Users must confirm that they own the device or have legal permission before installing the software. The platform clearly disclaims liability for misuse.
    If used within the bounds of law and intent, mSpy is a powerful and compliant solution for modern digital monitoring.
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    mSpy vs Competitors

    mSpy vs FlexiSPY

    FlexiSPY offers live call interception and ambient recording—features mSpy avoids for legal reasons. However, mSpy wins on ease of use, stealth, and customer support.

    mSpy vs uMobix

    uMobix has strong social media tracking, but its dashboard is less intuitive. mSpy provides a better overall user experience and is more stable on iOS.

    mSpy vs Cocospy

    Cocospy is beginner-friendly but lacks depth. mSpy offers more advanced features, such as keyword alerts, geofencing, and in-depth logs.
    In side-by-side comparisons, mSpy consistently delivers the best combination of reliability, discretion, and monitoring power.

    Why mSpy Earns Its Reputation as a Premier Mobile Surveillance App

    • Budget-Friendly Vigilance: mSpy emerges as a cost-effective avenue, facilitating the scrutiny of your child’s digital interactions or mobile pursuits for a mere fraction of a dollar per day.
    • Effortless Deployment: Installation proves a straightforward endeavor, requiring less than 10 minutes for comprehensive setup completion.
    • Concealed Operation: The application seamlessly functions in a concealed background mode, rendering it entirely imperceptible to the marked user.
    • Timely Updates: The flow of updated information from the target device remains uninterrupted, with data refresh cycles occurring every 5 minutes.
    • Comprehensive Assistance: A robust network of 24/7 multilingual support ensures that you receive the requisite guidance and aid throughout your journey with mSpy.
    • Unwavering Dependability and Security: mSpy embodies an unwavering commitment to reliability and security. All procured data undergoes encryption and safeguards, rendering it a steadfast and secure mobile monitoring solution.

    Track Smarter in 2025 – mSpy Is the Best Mobile Tracking App for Safe, Legal Use

    FAQs About mSpy Apps

    Q1: Is mSpy visible on the phone?
    No, once installed, mSpy runs in stealth mode and is not visible to the device user.
    Q2: Does mSpy work with the latest iOS and Android versions?
    Yes. mSpy supports Android 13/14 and iOS 17, with ongoing updates to maintain compatibility.
    Q3: What happens if the phone restarts or updates?
    The app auto-restarts in most cases and continues tracking unless uninstalled.
    Q4: Can I install mSpy without touching the phone?
    Only on iPhones with iCloud backup enabled and no 2FA. Android phones require brief physical access.
    Q5: What are people saying on Reddit or forums?
    Reddit users generally report that mSpy is dependable, especially for parental control. Some voice privacy concerns, but these are tied to misuse rather than flaws in the app.

    Click Here to Get mSpy From Its Official website

    mSpy Real User Reviews

    Jenna T. – Dallas, TX (Parent)

    “I needed a way to monitor my teenage son’s online behavior after some late-night messages raised concerns. mSpy helped me keep track of his activity without making him feel violated. It’s been a life-saver.”
    Raj M. – San Jose, CA (Employer)
    “We issued company phones last year and suspected misuse. mSpy provided the visibility we needed without disrupting work. The dashboard is intuitive, and the alerts help us spot problems early.”
    Carla R. – Atlanta, GA (Concerned Spouse)
    “mSpy gave me the peace of mind I was looking for. I had suspicions, and while it wasn’t easy, the clarity helped us have an honest conversation. It’s discreet and effective.”
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    “As someone who tests monitoring tools, mSpy stands out for its reliability and feature richness. It’s not the cheapest, but it delivers value, especially for less tech-savvy users.”
    See Their Calls, Chats & GPS – All From Your Dashboard with the Best Mobile Tracking App

    How mSpy Helps Prevent Digital Dangers

    The digital world is filled with unseen threats, especially for children and vulnerable users. mSpy plays a preventive role by giving parents and guardians real-time insights into mobile behavior—often before something harmful occurs.
    For example, cyberbullying often starts subtly, through text messages or social media. With mSpy’s keyword alert system and message monitoring, red flags can be detected early. Parents can intervene before emotional damage is done.
    Online predators are another concern. They typically engage victims through apps like Snapchat, Instagram, and WhatsApp. mSpy allows guardians to review conversations across these platforms, revealing inappropriate behavior or grooming tactics.
    Screen addiction is also on the rise. With app usage tracking, parents can understand where time is being spent and set digital boundaries. For employers, mSpy prevents productivity loss by identifying inappropriate device use during work hours.
    By offering visibility and early intervention tools, mSpy becomes more than just a spy app—it becomes a layer of digital protection.

    Can You Trust Spy Apps? Reputation Check & Scam Warning Signs

    The spy app industry is filled with copycats, scams, and malware-laced programs. Knowing who to trust is essential—and mSpy stands out for good reason.
    What Makes a Spy App Trustworthy?

    • Official website distribution only
    • Transparent pricing and feature lists
    • Clear legal use policy
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    mSpy checks every box. It’s not found on suspicious third-party app stores or fake marketplaces. The company has been in operation for over 10 years, with a verifiable user base and global presence.
    Red Flags to Avoid

    • Apps offering “undetectable call recording” without any legal disclaimer
    • Download links through sketchy APK sites
    • No refund policy or support contact

    Before installing any tracking tool, check reviews, legal policies, and trust ratings. If it looks too good to be true, it probably is.

    Best Mobile Spy App for Parents, Employers & Partners – Get mSpy Now
    Troubleshooting Guide: What to Do If mSpy Stops Working
    Even reliable apps can run into issues—especially after OS updates or permission resets. If mSpy stops syncing or collecting data, here’s what to do:
    Step 1: Check Internet Connection
    The app needs internet access to sync data. Ensure the target phone is connected to Wi-Fi or mobile data.
    Step 2: Revisit Permissions
    Go to the phone’s settings and ensure permissions like GPS, contacts, and storage are still enabled for mSpy.
    Step 3: Confirm App Visibility
    Make sure the app hasn’t been removed or flagged by antivirus software. If necessary, reinstall following the original setup guide.
    Step 4: Contact Support
    mSpy has 24/7 live chat support. Log in to your dashboard and connect with their team for personalized assistance.
    With the right response, most issues can be resolved within minutes—and your monitoring resumes without disruption.
    Best Mobile Spy App for Android & iPhone – Track Without Being Detected with mSpy
    The Final Conclusion

    After conducting a comprehensive exploration, juxtaposing the positives and negatives, we have arrived at a definitive conclusion. The pivotal question emerges: Does mSpy stand as a prudent investment, or is it best to avert its usage?

    Our exhaustive analysis of mSpy customer feedback resoundingly echoes the sentiment of admiration. This accord resonates with our own assessment, solidifying the stance that mSpy represents a high-value proposition, replete with an array of commendable attributes and exceptional customer assistance. It is our conviction that mSpy reigns as the preeminent tracking application, proficiently catering to the needs of those seeking to discreetly oversee the actions of their employees, children, or other individuals. It stands as a potent conduit to discreetly peruse incoming calls and dispatched messages, all while evading the awareness of the subject under observation.

    The stalwart customer support infrastructure, coupled with the seamless integration of routine updates to ensure a user-friendly experience, fuels our belief that mSpy’s enduring value will persist in the foreseeable future. Notably, mSpy extends a suite of preeminent monitoring features, further enhancing its allure.

    The Phone Monitoring App You Can Trust – Try mSpy Risk-Free

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    Company website: https://www.mspy.com/
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    Disclosure: The claim “#1 Choice in the United States” reflects our personal opinion and is not supported by independent market research.
    mSpy is intended strictly for legal use only. Installing monitoring software on a device you do not own, or without proper consent, may violate local laws. In most jurisdictions, you are required to notify the device owner before installation.
    Unauthorized use could lead to civil or criminal penalties. You are fully responsible for ensuring lawful use of the software.
    We strongly recommend consulting a licensed legal advisor before installing or using mSpy on any device.
    All trademarks, logos, and brand names mentioned are the property of their respective owners. References to third-party products or services are for identification purposes only and do not constitute endorsements.
    Always refer to the official website of the loan provider for the most accurate and up-to-date product terms, pricing, and eligibility requirements.

    Content Accuracy Disclaimer

    Every effort has been made to ensure the accuracy of the information presented in this article. However, due to the dynamic nature of product formulations, promotions, and availability, details may change without notice. The publisher makes no warranties or representations as to the current completeness or accuracy of any content, including product claims, pricing, or ingredient lists.
    It is the responsibility of the reader to verify product information directly through the official website or manufacturer prior to making a purchasing decision. Any reliance placed on the information in this article is done strictly at your own risk.

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    The MIL Network –

    May 22, 2025

  • MIL-OSI New Zealand: Northland accident: Delays SH1 near North Mangapai Intersection

    Source: New Zealand Police

    Motorists in Northland are advised to avoid travelling on State Highway One between the North Mangapai Intersection and Mata.

    A two vehicle accident on Oakleigh Wharf Road is causing major delays.

    Police advise one of the vehicles is a large truck which is blocking the road and may take some time to move.

    Traffic is backed-up several kilometres in both directions.

    Emergency services are at the scene.

    Motorists are advised to use alternative routes and avoid the area.

    ENDS

    MIL OSI New Zealand News –

    May 22, 2025

  • MIL-OSI Africa: International Islamic Trade Finance Corporation (ITFC) Advances Strategic Partnerships and Intra-OIC Trade at the 2025 Islamic Development Bank (IsDB) Group Annual Meetings

    Source: Africa Press Organisation – English (2) – Report:

    ALGIERS, Algeria, May 21, 2025/APO Group/ —

    On Day Two of the IsDB Annual Meetings in Algiers, the International Islamic Trade Finance Corporation (ITFC) (www.ITFC-IDB.org), a member of the Islamic Development Bank (IsDB), signed important agreements and engaged in strategic discussions with OIC member countries and various stakeholders. These engagements underscore ITFC’s continued commitment to advancing trade, economic cooperation, and sustainable development across the OIC region. 

    The day featured ITFC’s participation during the opening ceremony of the Private Sector Forum, which convened global and regional stakeholders under the theme: “Boosting Intra-OIC Trade and Investment: Overcoming Barriers and Seizing Opportunities.” Eng. Adeeb Y. Al Aama, CEO of ITFC, joined a high-level CEO session where he highlighted key challenges facing OIC countries and shared insights on solutions to scale intra-OIC trade. He emphasized the importance of targeted Islamic trade finance, capacity-building initiatives, and stronger cross-border collaboration to drive sustainable economic growth across the region. 

    The day’s proceedings also included a series of high-level meetings with key partners and member countries, including the Government of Pakistan and the Government of Tunisia, the OPEC Fund, Afreximbank, and Saudi EXIM Bank, among others. These meetings focused on advancing collaboration, particularly promoting trade and economic integration and supporting economic resilience and sustainability.   

    Key Signings and Agreements 

    Afreximbank–US$300 million Murabaha Financing  

    This financing is structured to facilitate the import of essential goods, ensuring stable supply chains and supporting trade resilience across the region. The agreement was signed by Eng. Adeeb Yousuf Al-Aama, CEO of ITFC, and Mr. Haytham El Maayergi, Executive Vice President of Afreximbank. This facility is designed to benefit enterprises from key sectors across common member countries in Africa. The facility is also aligned with ITFC’s broader mandate to promote regional integration and advance trade-led development among OIC member countries. 

    Commercial Bank of Cameroun (CBC) – EUR 10 million Murabaha Financing Agreement 

    A EUR 10 million Murabaha Financing was signed with Commercial Bank of Cameroun (CBC) to finance essential imports. The financing, signed by Mr. Jean Elise Gouater, Deputy CEO of CBC, and Mr. Nazeem Noordali, COO of ITFC will also support the development of Amana Finance Islamique, CBC’s Islamic finance window. Additionally, the signed facility includes an LC confirmation feature and falls under the broader FWA signed with Cameroon in April 2024. 

    MIL OSI Africa –

    May 22, 2025

  • MIL-OSI USA: AG Labrador Defends Trump Policy Upholding Biological Truth and Protecting Women

    Source: US State of Idaho

    Home Newsroom AG Labrador Defends Trump Policy Upholding Biological Truth and Protecting Women

    BOISE — Attorney General Raúl Labrador led a 26-state coalition, along with Indiana, in filing an amicus brief in the U.S. Court of Appeals for the D.C. Circuit supporting the federal government’s appeal in Doe v. Bondi. The appeal challenges a lower court’s preliminary injunction against a Trump Administration policy that protects the dignity, safety, and privacy of female inmates by requiring federal prison housing assignments based on biological sex. The policy also prohibits the use of taxpayer funds for sex-change procedures in federal prisons.
    “Truth matters—and it’s under attack in our culture today,” said Attorney General Labrador. “We’re standing up for biological reality, lawful executive authority, and the dignity and safety of women. If government policy or court rulings deny basic truth, it threatens both public trust and the rights of individuals.”
    In January 2025, President Trump signed Executive Order 14168, Defending Women from Gender Ideology Extremism and Restoring Biological Truth to the Federal Government. Among its provisions, the Order directed the Bureau of Prisons to house inmates according to their biological sex. It also prohibited federal funding for sex reassignment surgeries and related procedures in prisons and immigration detention centers.
    Shortly after the policy was issued, a lawsuit was filed in federal court seeking to block the housing provisions and the restriction on taxpayer-funded procedures. The plaintiffs aim to compel federal prison officials to place biologically male inmates in female correctional facilities and to provide sex-change operations at public expense.
    In response, Idaho is leading a multistate amicus brief urging the D.C. Circuit to defer to the Executive Order that directs federal prisons to house inmates according to their biological sex and bars federal funding for sex-change drugs and surgeries. The States argue that prison officials must be free to manage housing and medical decisions because they alone have the expertise to balance competing safety, privacy, and medical risks in a dangerous prison environment, and because placing biological males in women’s units jeopardizes female inmates’ privacy, safety, and dignity. 
    The case, Doe v. Bondi, is currently pending before the U.S. Court of Appeals for the D.C. Circuit. Idaho’s brief supports the federal government’s appeal and the Administration’s authority to enforce policies that prioritize safety and biological reality in federal custody.
    Read the amicus brief here.
    Read more from the Daily Wire here.

    MIL OSI USA News –

    May 22, 2025

  • MIL-OSI USA: Wyoming Guard hosts Tunisian NCO development exchange to strengthen military partnership

    Source: US State of Wyoming

    Wyoming National Guard

    By Staff Sgt. Cesar Rivas

    CHEYENNE, Wyo. – The Wyoming National Guard hosted a delegation from the Tunisian Armed Forces for a weeklong noncommissioned officer (NCO) development exchange, strengthening a long-standing partnership through the State Partnership Program.

    Staff Sgt. Eric Wenner, a civil affairs senior sergeant currently assigned to U.S. Africa Command’s Office of Security Cooperation Tunisia, said the visit aimed to showcase the U.S. Army’s approach to empowering NCOs and building leadership capacity at every level.

    “Although the Tunisian military is a robust force by African standards, we still like to show them how the U.S. Army uses its NCO Corps to grow and strengthen their force,” Wenner said. “It’s about giving them tools to develop their own NCOs and increase overall capability in a way that mirrors what we’ve done in the U.S.”

    One of the key challenges for Tunisia’s military, Wenner noted, is a lack of funding and access to modern facilities. The exchange provides an opportunity for Tunisian leaders to observe U.S. processes and infrastructure, sparking ideas on how to improve efficiency with limited resources.

    “This visit is about giving them better ideas on how to maximize what they have,” Wenner explained. “Through the State Partnership Program, they can see firsthand how we organize and train and adapt those lessons back home.”

    The visit included tours of Wyoming National Guard facilities, NCO-led workshops, and opportunities for Tunisian soldiers to engage directly with their American counterparts. The focus was not only on military tactics but also on leadership philosophy, mentorship, and the role of the NCO in mission success.

    From a civil affairs perspective, Wenner emphasized the importance of NCO empowerment and independent decision-making. In civil affairs teams, where small team sizes require flexibility, enlisted Soldiers are often expected to take on responsibilities typically reserved for officers.

    “We’d like to share that same concept with Tunisia—training their enlisted soldiers to operate independently without always needing direct orders,” he said. “This creates a more capable and ready force while reducing the need for constant oversight.”

    Wenner highlighted that Tunisia’s armed forces have been making steady progress in professionalizing their NCO Corps, but exchanges like these provide practical examples and firsthand experiences that can’t be replicated through briefings alone.

    “Being here, seeing how we do things, asking questions face-to-face—that makes a huge difference,” he said. “It’s about more than showing equipment or processes; it’s about building trust, sharing lessons learned, and growing together.”

    Beyond the tactical and operational lessons, the exchange also serves a larger purpose of fostering military-to-military and civil-military relationships. Wenner said civil affairs focuses heavily on integration, partnership, and sharing lessons learned.

    “The goal here is to grow the partnership and strengthen our relationship through a better understanding of each military’s capabilities,” Wenner said. “It’s about progressing together in an efficient and cooperative manner.”

    The Wyoming National Guard and the Tunisian Armed Forces have been partners through the National Guard Bureau’s State Partnership Program (SPP) since 2004. The SPP connects U.S. states with foreign military partners to build long-term relationships, enhance regional security, and promote shared values.

    MIL OSI USA News –

    May 22, 2025

  • MIL-OSI USA: Training on Camp Guernsey will close Emigrant Hill Road temporarily for training

    Source: US State of Wyoming

    CAMP GUERNSEY JOINT TRAINING CENTER, Wyo. – Training at Camp Guernsey Joint Training Center’s North Training Area will cause traffic delays on Emigrant Hill Road and significant noise hazards for the surrounding community June 4 to 11, 2025, Guernsey, Wyoming, due to indirect artillery firing over the road.

    The Wyoming National Guard thanks the community for their continued support.
    For more information, please call Lt. Col. LaQuendin Counts at 307-836-7638 or Wyoming National Guard at 307-772-5309 or look for updates on the Camp Guernsey Joint Training Center Facebook page, found here: https://www.facebook.com/CampGuernseyJTC/ .

    MIL OSI USA News –

    May 22, 2025

  • MIL-OSI USA: Senators Coons, Barrasso introduce bipartisan bill to expand access to mental health services for seniors

    US Senate News:

    Source: United States Senator for Delaware Christopher Coons
    WASHINGTON – U.S. Senators Chris Coons (D-Del.) and John Barrasso (R-Wyo.) introduced the Expanding Seniors Access to Mental Health Services Act. The bill would improve Medicare beneficiaries’ access to licensed clinical social workers. By providing these mental health professionals with the opportunity to participate in the Medicare program when delivering services in skilled nursing facilities, this bill expands the number of mental health providers available to Delaware’s seniors.  
    “Increasing access to clinical social workers improves seniors’ mental health and gives them hope no matter where they live,” said Senator Coons. “Unfortunately, outdated Medicare rules prevent too many older Americans from receiving support from social workers in skilled nursing facilities. The bipartisan Expanding Seniors Access to Mental Health Services Act fixes these rules and expands Medicare coverage to allow social workers to provide the best care to seniors when they need it most.”
    “As a doctor, I know how vital it is for seniors to have access to mental health services,” said Senator Barrasso. “In particular, for those living in rural communities, finding a mental health provider is challenging. This is why I am proud to support bipartisan solutions that help more patients get the care they need.”
    “On behalf of the National Association of Social Workers?–?Delaware Chapter, we thank Senator?Chris?Coons for championing the bipartisan Expanding Seniors Access to Mental Health Services Act,” said Molly?J.?Arbogast, Executive Director of NASW Delaware. “Delaware’s social workers are eager to meet our neighbors where they are, whether that is in a skilled-nursing facility, a community clinic, or their own living rooms, but outdated Medicare rules keep too many people waiting. This bill cuts red tape, recognizes the full value of clinical social work, and gives older adults and people with disabilities quicker access to the evidence-based care they deserve.”
    “We strongly support the Expanding Seniors Access to Mental Health Services Act and applaud Senators Coons and Barrasso for prioritizing nursing home residents’ mental health through expanded Medicare coverage of these essential services in long term and post-acute care settings. This bill also helps short-term patients at skilled nursing facilities maintain trusted relationships with their preferred clinical social workers—promoting continuity of care as well as safer, more successful transitions back to the community. Enabling seniors to access these services is a vital step in addressing the growing mental and behavioral health needs of older adults,” said Cheryl Heiks, Executive Director of Delaware Health Care Facilities Association.
    “On behalf of the National Association of Social Workers—Wyoming Chapter, we extend our heartfelt thanks to Senator John Barrasso for his leadership on the bipartisan Expanding Seniors Access to Mental Health Services Act,” said Nathan Stahley, Executive Director of NASW Wyoming. “Modernizing outdated Medicare regulations is essential to expanding access to mental health services for individuals in Wyoming and across the country. This vital legislation cuts through unnecessary red tape, elevates the role of clinical social workers, and ensures that older adults and people with disabilities can receive the timely, evidence-based care they need and deserve.”
    “The National Association of Social Workers (NASW) applauds Senators John Barrasso and Chris Coons for introducing the bipartisan Expanding Seniors Access to Mental Health Services Act. Passage of this legislation is critical to the health and well-being of Medicare beneficiaries, for our nation and the social work profession,” said NASW CEO Anthony Estreet, PhD, MBA, LCSW-C. “It will help Medicare beneficiaries access desperately needed, high-quality mental health services clinical social workers are authorized to perform under state law, and it will remove a significant barrier to mental health care provided by independent clinical social workers to older adults and people with disabilities in skilled nursing facilities.”
    The Expanding Seniors Access to Mental Health Services Act ensures clinical social workers can provide psychosocial services to patients in nursing homes, and the full range of Health and Behavior Assessment and Intervention (HBAI) services within their scope of practice.
    The text of the bill is available here.

    MIL OSI USA News –

    May 22, 2025

  • MIL-OSI USA: Senator Coons statement on President Biden’s cancer diagnosis

    US Senate News:

    Source: United States Senator for Delaware Christopher Coons
    WILMINGTON, Del. – U.S. Senator Chris Coons (D-Del.) issued the following statement in response to news that President Joe Biden has been diagnosed with prostate cancer:
    “Annie and I are praying for Joe and Jill as they confront this diagnosis. Over his decades of public service, Joe comforted so many of us in tough times and contributed so much to fighting cancer. Now we need to support and encourage him. Joe Biden has always been a fighter, and I know that won’t change as he confronts this disease head-on. Joe’s faith and family have brought him through tough challenges before and will again. Our prayers are with him and his family as he begins treatment.”

    MIL OSI USA News –

    May 22, 2025

  • MIL-OSI USA: Senators Coons, Cornyn welcome new members to the bipartisan Law Enforcement Caucus

    US Senate News:

    Source: United States Senator for Delaware Christopher Coons
    WASHINGTON – U.S. Senators Chris Coons (D-Del.) and John Cornyn (R-Texas), co-chairs of the bipartisan Senate Law Enforcement Caucus, celebrated the caucus’ new members for the 119th Congress during National Police Week, which started on May 11 and ended May 17.
    Senator Coons and Cornyn welcome U.S. Senators Ruben Gallego (D-Ariz.), Jim Justice (R-W.Va.), and Dave McCormick (R-Pa.).
    Senator Coons launched the Senate Law Enforcement Caucus over a decade ago with former Senator Roy Blunt (R-Mo.). Since then, the caucus has held briefings on policing issues like recruitment and retention, emerging threats such as generative AI’s impact on children, and best practices shared by law enforcement officials working on the ground.
    The caucus is more committed than ever to supporting law enforcement, protecting families, and strengthening communities across the country.
    A full member list can be found on the Senate Law Enforcement website and below:
    U.S. Senators Chris Coons (D-Del.), John Cornyn (R-Texas), Richard Blumenthal (D-Conn.), John Boozman (R-Ark.), Ted Budd (R-N.C.), Catherine Cortez Masto (D-Nev.), Dick Durbin (D-Ill.), Ruben Gallego (D-Ariz.), Lindsey Graham (R-S.C.), Mazie Hirono (D-Hawaii), John Hoeven (R-N.D.), Cindy Hyde-Smith (R-Miss.), Jim Justice (R-W.Va.), Amy Klobuchar (D-Minn.), Roger Marshall (R-Kan.), Dave McCormick (R-Pa.), Jeff Merkley (D-Ore.), Jerry Moran (R-Kan.), Lisa Murkowski (R-Alaska), Chris Murphy (D-Conn.), Gary Peters (D-Mich.), Mike Rounds (R-S.D.), Chuck Schumer (D-N.Y.), and Thom Tillis (R-N.C.).

    MIL OSI USA News –

    May 22, 2025

  • MIL-OSI USA: Senator Budd Meets with Prime Minister Masrour Barzani of the Iraqi Kurdistan Regional Government

    US Senate News:

    Source: United States Senator Ted Budd (R-North Carolina)
    Washington, D.C. — U.S. Senator Ted Budd (R-N.C.) met with Prime Minister Masrour Barzani of the Iraqi Kurdistan Regional Government today. They discussed recent energy agreements between the Kurdistan Regional Government and United States energy companies, as well as ways to strengthen security cooperation between the United States and the Iraqi Kurdistan Region.
    Following the meeting, Senator Budd released the following statement of support:
     “I’d like to thank Prime Minister Masrour Barzani for his hospitality when I met with him in Erbil last year. Today, I was glad to host the Prime Minister in my office to discuss United States commercial investments in the Iraqi Kurdistan region and ongoing security cooperation. The gas field development deals announced this week will strengthen shared bonds between the American and Kurdish people, but also result in much needed energy independence for Iraq.
    “In the meeting, I also received updates on security cooperation between the Department of Defense and Kurdish Peshmerga forces. Following our discussion, I am increasingly concerned by reported delays in the delivery of U.S. provided defense equipment to the Peshmerga,” said Senator Budd.

    MIL OSI USA News –

    May 22, 2025

  • MIL-OSI USA: Ernst on Revitalizing Manufacturing in the Heartland

    US Senate News:

    Source: United States Senator Joni Ernst (R-IA)
    WASHINGTON – Today, Chair Joni Ernst (R-Iowa) welcomed Small Business Administration (SBA) Administrator Kelly Loeffler to a U.S. Senate Committee on Small Business and Entrepreneurship hearing to continue their “Made in America” initiative fueling the great American manufacturing comeback.
    Watch Chair Ernst’s remarks here.
    Ernst’s full remarks:
    “We are here today to discuss how the Small Business Administration (SBA) can expand and support investment in our nation’s small manufacturers.
    “Last week, the Committee examined how the Small Business Investment Company (SBIC) program could help channel more private capital into American manufacturing.
    “To better understand the urgency of this situation, we need to take a closer look at the numbers. And let me tell you folks, this is staggering. 
    “Over the past 40 years, we did not simply lose manufacturing jobs. We witnessed the steady erosion of our industrial sector to China’s delight and advantage. 
    “Over the last 25 years in Iowa alone, we have lost nearly one in six manufacturing jobs. American manufacturing employment has fared even worse over the last forty years, falling by 28 percent and reaching depths we haven’t seen since 1946.
    “Only 3.7 percent of Americans are employed in manufacturing today – half the share we had forty years ago, and barely a third of our peak in the late ‘60s.
    “To put that in perspective, there are nearly twice as many people working in state and local governments than on the factory floor.
    “This is not simply an economic decline – it is a hollowing out.
    “The steady loss of skills, infrastructure, and investment in manufacturing undermines our ability to innovate and scale new technologies, leaving our homeland weakened and vulnerable.
    “The reason for this is not a mystery: government policies that encouraged offshoring production without regard for the long-term damage done to our domestic productive capacity.
    “Today, the consequences are visible in every corner of America.
    “Shuttered plants, decaying factories, and empty parking lots stand as monuments to the multi-generational disintegration of hard-earned knowledge, talent, and tradition that once formed the bedrock of our nation.    
    “But here is the good news: we have a President and SBA Administrator who understand what is at stake.
    “They recognize the size and complexity of the work needed to revitalize American manufacturing and are committed to rebuilding our industrial strength, from the ground up.
    “As we discussed during last week’s hearing, the SBIC program will continue to play its vital role in expanding our productive capacity by facilitating private investment and through federal partnerships like that between the SBA and the Department of Defense’s newly established Office of Strategic Capital – something I championed in the annual defense bill.
    “But that is only the beginning; we must do more.
    “Today, we welcome Administrator Loeffler to discuss the SBA’s ‘Made in America Manufacturing Initiative’ and the efforts underway to support the small businesses that make up 98 percent of our nation’s manufacturing base.
    “Part of that effort involves the Made in America Manufacturing Finance Act, which I was proud to introduce last month alongside Senator Coons.
    “This bipartisan legislation would double the SBA-backed loan limit from $5 million to $10 million for small manufacturers who need that capital to modernize, grow, and train the next generation of American workers.
    “That investment will have a meaningful impact across the entire supply chain. Because the smallest startups to the largest firms all rely on small manufacturers to get the job done.  
    “Revitalizing our industrial base and reclaiming our ability to make things in America starts with small businesses. We must ensure that cutting edge innovation and high-speed, high-quality production happens right here, at home – not overseas. 
    “If we are serious about competing with and beating China, creating good-paying jobs, and restoring economic resilience, we must empower our small manufacturers to lead the way.
    “This bipartisan legislation takes a bold step in that direction. 
    “I am grateful that we’re joined today by Administrator Loeffler, and I look forward to hearing from her how Congress can better equip the SBA to invest in the industrial revitalization of America.”

    MIL OSI USA News –

    May 22, 2025

  • MIL-OSI USA: Ernst Keeps Up Pressure for Sioux City Airfield Upgrades

    US Senate News:

    Source: United States Senator Joni Ernst (R-IA)
    WASHINGTON – During a Senate Committee on Armed Services hearing, U.S. Senator Joni Ernst (R-Iowa), secured a key commitment from the Chief of Staff of the U.S. Air Force, General David Allvin, to upgrade the runway used by the Iowa National Guard’s 185th Air Refueling Wing in Sioux City.
    Ernst, who served in the Iowa National Guard, pointed out the critical role the unit plays in defending the homeland and the Air Force’s previous commitments to it. Following her questioning, Allvin noted that design work progress is removing obstacles to be able to finish the runway upgrades.
    Click here for her full line of questioning.
    “Let me talk to you about Sioux City, those units there, and how proud we are of those units that have occupied this airfield,” Ernst said.
    She reminded the committee that the airfield is named after Colonel Bud Day, a Sioux City native who was awarded the Medal of Honor and Air Force Cross.
    Background:
    Ernst is dedicated to supporting servicemembers and their families in Iowa. For years, she has pushed the Air Force to honor its promises to Siouxlanders. Earlier this month, Ernst reaffirmed her resolve to continue fighting.

    MIL OSI USA News –

    May 22, 2025

  • MIL-OSI Security: Major strike against Italian-Albanian drug trafficking network: 52 suspects targeted

    Source: Eurojust

    During the action day, authorities in both countries seized assets worth at least several millions euros, including apartments and companies, as well as various luxury vehicles. . Large amounts of cash and quantities of cocaine and heroin were also seized. A full and complete evaluation of the seizures will be carried out in the coming days.

    No complete estimate of the total profits of the cooperation between the three OCGs is available. However, information obtained through the JIT shows that the criminal networks were involved in payments, often in cash, of close to EUR 5 million and the trafficking of at least 1 800 kilos of cocaine and heroin.

    Investigations into the linked criminal organisations were initiated in 2016 by the Public Prosecutor’s Office of Bari and the Special Anti-Corruption and Organised Crime Prosecutor’s Office of Tirana and the Albanian Police. On the Albanian side, one OCG, which operated from Durres, was responsible for the transport and wholesale distribution of large quantities of cocaine, heroin and cannabis trafficked between the Balkans, Northern Europe, South America and Puglia in Italy.

    Two Italian-led criminal gangs carried out the cutting and packaging of illicit drugs and supplied cocaine and heroin from Latin America and Turkey to local gangs in organisations in Bari, Brindisi and Lecce.

    The arrests in Italy and Albania are the result of a long-term collaboration through the JIT. This involved the use of wiretaps, intensive video surveillance, the monitoring of suspects and the analysis of encrypted chats. These chats were decrypted following intensive cooperation through Eurojust.

    Since 2020, Eurojust has supported the authorities in Italy and Albania with the JIT. Furthermore, the Agency provided assistance with the execution of requests for Mutual Legal Assistance during the action day and gave cross-border judicial support. Albania is one of the twelve countries outside the European Union with a Liaison Prosecutor at Eurojust. The investigations were also coordinated and supported by the office of the dedicated security expert at the Italian Embassy in Tirana.

    The judicial cooperation between Italy and Albania has already proven effective in recent years. Between 2018 and 2021, the Anti-Mafia Investigation Directorate of Bari issued and executed 118 arrest warrants against alleged drug traffickers operating in both countries. As a result, various defendants were sentenced up to 20 years imprisonment.

    This week’s operation was carried out at the request of and by the following authorities:

    • Italy: Public Prosecutor’s Office Bari – District Anti-Mafia Directorate; Anti-Mafia Investigation Directorate Bari, under the coordination of the National Anti-Mafia and Anti-Terrorism Directorate Rome, with support of the Office of the Security Expert at the Italian Embassy in Tirana
    • Albania: Special Anti-Corruption and Organised Crime Prosecutor’s Office (SPAK) of Tirana; Albanian Police

    MIL Security OSI –

    May 22, 2025

  • MIL-OSI: Trio completes acquisition of cash flow positive oil and gas assets in prolific heavy oil region of Saskatchewan Canada

    Source: GlobeNewswire (MIL-OSI)

    Bakersfield, CA, May 21, 2025 (GLOBE NEWSWIRE) — Trio Petroleum Corp (NYSE American: TPET) (“Trio” or the “Company”), a California-based oil and gas company, today is pleased to announce that it has closed on the balance of certain petroleum and natural gas properties held by Novacor Exploration Ltd. (“Novacor”). More specifically, TPET closed on the remaining Novacor TWP47 assets, located at the South-West quarter of Section 19, Township 47, Range 26W3M. These assets are in the prolific Lloydminster, Saskatchewan heavy oil region (the “Acquisition”). This acquisition strategically positions the Company to expand its operations into one of North America’s most promising heavy oil basins, with upside potential for long term production and reserve growth. Since the Novacor assets are in the heavy oil area, Trio believes they offer economic development and low operational costs. Trio also believes that the market accessibility combined with a favorable regulatory process makes this area very attractive for continued and future development within these lands.

    As reported in the Company’s press release on April 10, 2025, the Novacor assets are located at the South-West quarter of Section 19, Township 47, Range 26W3M and the Northeast Section 3, Township 48, Range 24W3M, both in the Lloydminster, Saskatchewan area. There are currently seven producing wells located on the two properties. Production from the wells in Section 19 is subject to Freehold Royalties of 13.5% and a GORR of 2%, and production from the wells in Section 3 is subject to Freehold Royalties of 15%. The wells produce heavy crude oil from the McLaren/Sparky and Lloydminster formation(s). Novacor is the operator of these cash flow positive wells and has the capability to rapidly double production. The area is home to some of the largest players in the industry such as Cenovus Energy, Canadian Natural Resources, Baytex Energy, Rife Resources and many others who have made Heavy Oil a staple of their operation, and where numerous opportunities to acquire additional highly economic fields exist.

    Important in this acquisition is Novacor’s ability to address recent fluctuations in global oil prices and their limited impact on the company’s operations. Novacor will continue as operator of the assets. While market volatility is inherent in the energy sector, the Company believes that Novacor’s strategic focus on operational efficiency and low lift costs provides a significant buffer against downward price pressures.

    Novacor’s current lift cost stands at a competitive CDN $10.00 per barrel. Trio believes that this low operational expenditure will help ensure Trio maintains strong profitability even in a lower oil price environment. Trio also believes that its commitment to cost management and efficient production techniques will allow it to navigate market fluctuations with greater resilience compared to companies with higher operating costs, thus providing Trio with a significant advantage in its ability to produce oil economically in the current market.

    Novacor has a long history of oil and gas development in the area. Trio’s plan is to aggressively grow its footprint in the area utilizing Novacor as an operator of the assets. The Company will continue to seek opportunities for strategic growth and optimization with Novacor’s operational efficiencies and its plan is to deliver consistent value to shareholders through a disciplined approach to operations and cost management.”

    Mr. Ross, Trio’s CEO stated, “Our immediate plan is to initiate our workover program to increase production on these newly acquired assets and we believe our next couple of quarters should reflect the benefit of our work. Our focus remains on acquiring projects that generate immediate cash flow or offer transformative growth potential with strategic investment. We believe that this approach aligns with our long-term vision of creating exponential value while managing risk and resources effectively.”

    Terms of the Acquisition

    The stated purchase price of the Acquisition was US$650,000 in cash paid in two tranches, and 526,536 in shares of common stock of Trio, which were registered for resale in a registration statement which Trio expects to be declared effective by the United States Securities and Exchange Commission in the near future. The Company paid Novacor a good faith deposit of $65,000, which was applied to the cash portion of the purchase price at the initial closing.

    About Trio Petroleum Corp

    Trio Petroleum Corp is an oil and gas exploration and development company in California, Utah and Lloydminster, Saskatchewan.

    Cautionary Statement Regarding Forward-Looking Statements

    All statements in this press release of Trio Petroleum Corp (“Trio”) and its representatives and partners that are not based on historical fact are “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 and the provisions of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended (the “Acts”). In particular, when used in the preceding discussion, the words “estimates,” “believes,” “hopes,” “expects,” “intends,” “on-track”, “plans,” “anticipates,” or “may,” and similar conditional expressions are intended to identify forward-looking statements within the meaning of the Acts and are subject to the safe harbor created by the Acts. Any statements made in this news release other than those of historical fact, about an action, event or development, are forward-looking statements. While management has based any forward-looking statements contained herein on its current expectations, the information on which such expectations were based may change. These forward-looking statements rely on a number of assumptions concerning future events and are subject to a number of risks, uncertainties, and other factors, many of which are outside of the Trio’s control, that could cause actual results to materially and adversely differ from such statements. Such risks, uncertainties, and other factors include, but are not necessarily limited to, those set forth in the Risk Factors sections of the Trio reports filed with the Securities and Exchange Commission (SEC). Copies of such documents are available on the SEC’s website, www.sec.gov. Trio undertakes no obligation to update these statements for revisions or changes after the date of this release, except as required by law.

    Investor Relations Contact:
    Redwood Empire Financial Communications
    Michael Bayes
    (404) 809 4172
    michael@redwoodefc.com 

    The MIL Network –

    May 22, 2025

  • MIL-OSI: AMSC Reports Fourth Quarter and Fiscal Year 2024 Financial Results and Business Outlook

    Source: GlobeNewswire (MIL-OSI)

    Business Highlights:

     • Full year revenues increased 53% year over year to $222.8 million
     • Full year net income increased $17.1 million year over year to $6.0 million
     • Generated $6.3 million of operating cash flow in the fourth quarter, helping to further strengthen the balance sheet

    Company to host conference call tomorrow, May 22 at 10:00 am ET

    AYER, Mass., May 21, 2025 (GLOBE NEWSWIRE) — AMSC (Nasdaq: AMSC), a leading system provider of megawatt-scale power resiliency solutions that orchestrate the rhythm and harmony of power on the grid™ and that protect and expand the capability and resiliency of our Navy’s fleet, today reported financial results for its fourth quarter and fiscal year ended March 31, 2025 (“fiscal 2024”).

    Revenues for the fourth quarter of fiscal 2024 were $66.7 million compared with $42.0 million for the same period of fiscal 2023. The year-over-year increase was driven by organic growth in New Energy Power Systems revenues along with the contributions from the acquisition of NWL, Inc. 

    AMSC’s net income for the fourth quarter of fiscal 2024 was $1.2 million, or $0.03 per share, compared to net loss of $1.6 million, or $0.05 per share, for the same period of fiscal 2023. The Company’s non-GAAP net income for the fourth quarter of fiscal 2024 was $4.8 million, or $0.13 per share, compared with a non-GAAP net income of $1.9 million, or $0.06 per share, in the same period of fiscal 2023. Please refer to the financial table below for a reconciliation of GAAP to non-GAAP results.

    Revenues for fiscal 2024 were $222.8 million as compared to $145.6 million in fiscal 2023. The year-over-year increase was driven by higher D-VAR and NEPSI revenues than in the prior year period along with the contribution from the acquisition of NWL, Inc. 

    AMSC reported net income for fiscal 2024 of $6.0 million, or $0.16 per share, compared to a net loss of $11.1 million, or $0.37 per share in fiscal 2023. The Company’s non-GAAP net income for fiscal 2024 was $24.0 million, or $0.65 per share, compared with non-GAAP net income of $0.6 million, or $0.02 per share, for fiscal 2023. Please refer to the financial table below for a reconciliation of GAAP to non-GAAP results.

    Cash, cash equivalents and restricted cash on March 31, 2025 totaled $85.4 million.

    “AMSC reported its strongest quarterly and annual performance in years,” said Daniel P. McGahn, Chairman, President and CEO of AMSC. “Fiscal fourth quarter revenue grew sequentially to over $66 million, up nearly 60% year-over-year. Net income surpassed $1.2 million, making our third consecutive quarter of profitability, and seventh consecutive quarter of positive operating cash flow. We secured $75 million in new orders, bringing total year-end orders to a recent record of nearly $320 million. Our fiscal 2024 results reflect improved financial performance, a resilient and diversified order pipeline, and solid operational execution—positioning AMSC for long-term success. With expanding end markets, we’re focused on broadening our offerings, entering new sectors, and strengthening customer relationships. We enter fiscal 2025 with strong momentum and confidence in our ability to continue building a more resilient and profitable company.”

    Business Outlook

    For the first quarter ending June 30, 2025, AMSC expects that its revenues will be in the range of $64.0 million to $68.0 million. The Company’s net income for the first quarter of fiscal 2025 is expected to exceed $1.0 million, or $0.03 per share. The Company’s non-GAAP net income (as defined below) is expected to exceed $4.0 million, or $0.10 per share. 

    Conference Call Reminder
    In conjunction with this announcement, AMSC management will participate in a conference call with investors beginning at 10:00 a.m. Eastern Time on Thursday, May 22, 2025, to discuss the Company’s financial results and business outlook. Those who wish to listen to the live or archived conference call webcast should visit the “Investors” section of the Company’s website at https://ir.amsc.com. The live call can be accessed by dialing 1-844-481-2802 or 1-412-317-0675 and asking to join the AMSC call. A replay of the call may be accessed 2 hours following the call by dialing 1-877-344-7529 and using conference passcode 4917468.

    About AMSC (Nasdaq: AMSC)
    AMSC generates the ideas, technologies and solutions that meet the world’s demand for smarter, cleaner … better energy™. Through its Gridtec™ Solutions, AMSC provides the engineering planning services and advanced grid systems that optimize network reliability, efficiency and performance. Through its Marinetec™ Solutions, AMSC provides ship protection and is developing propulsion and power management solutions designed to help fleets increase system efficiencies, enhance power quality and boost operational safety. Through its Windtec™ Solutions, AMSC provides wind turbine electronic controls and systems, designs and engineering services that reduce the cost of wind energy. The Company’s solutions are enhancing the performance and reliability of power networks, increasing the operational safety of navy fleets, and powering gigawatts of renewable energy globally. Founded in 1987, AMSC is headquartered near Boston, Massachusetts with operations in Asia, Australia, Europe and North America. For more information, please visit www.amsc.com.

    AMSC, American Superconductor, D-VAR, D-VAR VVO, Gridtec, Marintec, Windtec, Neeltran, NEPSI, NWL, Smarter, Cleaner … Better Energy and Orchestrate the Rhythm and Harmony of Power on the Grid are trademarks or registered trademarks of American Superconductor Corporation. All other brand names, product names, trademarks or service marks belong to their respective holders.

    Forward-Looking Statements

    This press release contains forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended (the “Exchange Act”). Any statements in this release regarding our goals and strategies; business diversification; order pipeline; long-term success, including through expanding end markets, broadening offerings, entering new sectors; strengthening customer relationships; strong momentum; building a more resilient and profitable company; our expected GAAP and non-GAAP financial results for the quarter ending June 30, 2025; and other statements containing the words “believes,” “anticipates,” “plans,” “expects,” “will” and similar expressions, constitute forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Such forward-looking statements represent management’s current expectations and are inherently uncertain. There are a number of important factors that could materially impact the value of our common stock or cause actual results to differ materially from those indicated by such forward-looking statements. These important factors include, but are not limited to: We have not been historically profitable, which may recur in the future. Our operating results may fluctuate significantly from quarter to quarter and may fall below expectations in any particular fiscal quarter; While we generated positive operating cash flow in fiscal 2024 and the prior year, we have a history of negative operating cash flows, and we may require additional financing in the future, which may not be available to us; Our technology and products could infringe intellectual property rights of others, which may require costly litigation and, if we are not successful, could cause us to pay substantial damages and disrupt our business; Changes in exchange rates could adversely affect our results of operations; If we fail to maintain proper and effective internal control over financial reporting, our ability to produce accurate and timely financial statements could be impaired and may lead investors and other users to lose confidence in our financial data; We may be required to issue performance bonds, which restricts our ability to access any cash used as collateral for the bonds; We may not realize all of the sales expected from our backlog of orders and contracts; If we fail to implement our business strategy successfully, our financial performance could be harmed; We rely upon third-party suppliers for the components and subassemblies of many of our Grid and Wind products, making us vulnerable to supply shortages and price fluctuations, which could harm our business; Our contracts with the U.S. government are subject to audit, modification or termination by the U.S. government and include certain other provisions in favor of the government. The continued funding of such contracts remains subject to annual congressional appropriation, which, if not approved, could reduce our revenue and lower or eliminate our profit; Changes in U.S. government defense spending could negatively impact our financial position, results of operations, liquidity and overall business; Our business and operations may be materially adversely impacted in the event of a failure or security breach of our or any critical third parties’ IT Systems or Confidential Information; Failure to comply with evolving data privacy and data protection laws and regulations or to otherwise protect personal data, may adversely impact our business and financial results; Our success is dependent upon attracting and retaining qualified personnel and our inability to do so could significantly damage our business and prospects; A significant portion of our Wind segment revenues are derived from a single customer. If this customer’s business is negatively affected, it could adversely impact our business; Our success in addressing the wind energy market is dependent on the manufacturers that license our designs; We may acquire additional complementary businesses or technologies, which may require us to incur substantial costs for which we may never realize the anticipated benefits; Many of our revenue opportunities are dependent upon subcontractors and other business collaborators; Problems with product quality or product performance may cause us to incur warranty expenses and may damage our market reputation and prevent us from achieving increased sales and market share; Many of our customers outside of the United States may be either directly or indirectly related to governmental entities, and we could be adversely affected by violations of the United States Foreign Corrupt Practices Act and similar worldwide anti-bribery laws outside the United States; We or third parties on whom we depend may be adversely affected by natural disasters, including events resulting from climate change, and our business continuity and disaster recovery plans may not adequately protect us or our value chain from such events; Pandemics, epidemics, or other public health crises may adversely impact our business, financial condition and results of operations; Adverse changes in domestic and global economic conditions could adversely affect our operating results; Our international operations are subject to risks that we do not face in the United States, which could have an adverse effect on our operating results; Our products face competition, which could limit our ability to acquire or retain customers; We have operations in, and depend on sales in, emerging markets, including India, and global conditions could negatively affect our operating results or limit our ability to expand our operations outside of these markets. Changes in India’s political, social, regulatory and economic environment may affect our financial performance; Industry consolidation could result in more powerful competitors and fewer customers; Our success could depend upon the commercial adoption of the REG system, which is currently limited, and a widespread commercial market for our REG products may not develop; Increasing focus and scrutiny on environmental sustainability and social initiatives could adversely impact our business and financial results; Growth of the wind energy market depends largely on the availability and size of government subsidies, economic incentives and legislative programs designed to support the growth of wind energy; Lower prices for other energy sources may reduce the demand for wind energy development, which could have a material adverse effect on our ability to grow our Wind business; We may be unable to adequately prevent disclosure of trade secrets and other proprietary information; Our patents may not provide meaningful or long-term protection for our technology, which could result in us losing some or all of our market position; Third parties have or may acquire patents that cover the materials, processes and technologies we use or may use in the future to manufacture our Amperium products, and our success depends on our ability to license such patents or other proprietary rights; Our common stock has experienced, and may continue to experience, market price and volume fluctuations, which may prevent our stockholders from selling our common stock at a profit and could lead to costly litigation against us that could divert our management’s attention; Unfavorable results of legal proceedings could have a material adverse effect on our business, operating results and financial condition;and the other important factors discussed under the caption “Risk Factors” in Part 1. Item 1A of our Form 10-K for the fiscal year ended March 31, 2025, and our other reports filed with the SEC. These important factors, among others, could cause actual results to differ materially from those indicated by forward-looking statements made herein and presented elsewhere by management from time to time. Any such forward-looking statements represent management’s estimates as of the date of this press release. While we may elect to update such forward-looking statements at some point in the future, we disclaim any obligation to do so, even if subsequent events cause our views to change. These forward-looking statements should not be relied upon as representing our views as of any date subsequent to the date of this press release.

     
    UNAUDITED CONSOLIDATED STATEMENTS OF OPERATIONS
    (In thousands, except per share data)
      Three Months Ended     Twelve Months Ended  
      March 31,     March 31,  
      2025     2024     2025     2024  
    Revenues                              
    Grid $ 55,592     $ 34,211     $ 187,170     $ 122,065  
    Wind   11,063       7,817       35,648       23,574  
    Total revenues   66,655       42,028       222,818       145,639  
                                   
    Cost of revenues   48,964       31,598       160,964       110,356  
                                   
    Gross margin   17,691       10,430       61,854       35,283  
                                   
    Operating expenses:                              
    Research and development   3,493       2,298       11,425       7,991  
    Selling, general and administrative   12,101       7,953       43,091       31,600  
    Amortization of acquisition related intangibles   444       538       1,733       2,152  
    Change in fair value of contingent consideration   —       1,870       6,682       4,922  
    Restructuring   —       —       —       (14 )
    Total operating expenses   16,038       12,659       62,931       46,651  
                                   
    Operating income (loss)   1,653       (2,229 )     (1,077 )     (11,368 )
                                   
    Interest income, net   807       784       3,708       1,302  
    Other expense, net   (49 )     (117 )     (265 )     (736 )
    Income (loss) before income tax (benefit) expense   2,411       (1,562 )     2,366       (10,802 )
                                   
    Income tax (benefit) expense   1,204       17       (3,667 )     309  
                                   
    Net income (loss) $ 1,207     $ (1,579 )   $ 6,033     $ (11,111 )
                                   
    Net income (loss) per common share                              
    Basic $ 0.03     $ (0.05 )   $ 0.16     $ (0.37 )
    Diluted $ 0.03     $ (0.05 )   $ 0.16     $ (0.37 )
                                   
    Weighted average number of common shares outstanding                              
    Basic   37,672       33,139       36,990       29,825  
    Diluted   38,516       33,139       37,718       29,825  
     
    CONSOLIDATED BALANCE SHEET
    (In thousands, except per share data)
      March 31,     March 31,  
      2025     2024  
    ASSETS              
    Current assets:              
    Cash and cash equivalents $ 79,494     $ 90,522  
    Accounts receivable, net   46,186       26,325  
    Inventory, net   71,169       41,857  
    Prepaid expenses and other current assets   8,055       7,295  
    Restricted cash   1,613       468  
    Total current assets   206,517       166,467  
                   
    Property, plant and equipment, net   38,572       10,861  
    Intangibles, net   5,916       6,369  
    Right-of-use assets   3,829       2,557  
    Goodwill   48,164       43,471  
    Restricted cash   4,274       1,290  
    Deferred tax assets   1,178       1,119  
    Equity-method Investments   1,113       —  
    Other assets   958       637  
    Total assets $ 310,521     $ 232,771  
                   
                   
    LIABILITIES AND STOCKHOLDERS’ EQUITY              
                   
    Current liabilities:              
    Accounts payable and accrued expenses $ 32,282     $ 24,235  
    Lease liability, current portion   685       716  
    Debt, current portion   —       25  
    Contingent consideration   —       3,100  
    Deferred revenue, current portion   66,797       50,732  
    Total current liabilities   99,764       78,808  
                   
    Deferred revenue, long term portion   9,336       7,097  
    Lease liability, long term portion   2,684       1,968  
    Deferred tax liabilities   1,595       300  
    Other liabilities   28       27  
    Total liabilities   113,407       88,200  
                   
    Stockholders’ equity:              
    Common stock, $0.01 par value, 75,000,000 shares authorized; 39,887,536 and 37,343,812 shares issued and 39,484,185 and 36,946,181 shares outstanding at March 31, 2025 and 2024, respectively   399       373  
    Additional paid-in capital   1,259,540       1,212,913  
    Treasury stock, at cost, 403,351 and 397,631 at March 31, 2025 and 2024, respectively   (3,765 )     (3,639 )
    Accumulated other comprehensive income   1,565       1,582  
    Accumulated deficit   (1,060,625 )     (1,066,658 )
    Total stockholders’ equity   197,114       144,571  
    Total liabilities and stockholders’ equity $ 310,521     $ 232,771  
     
    CONSOLIDATED STATEMENTS OF CASH FLOWS
    (In thousands)
      Year Ended March 31,  
      2025     2024  
    Cash flows from operating activities:              
    Net income (loss) $ 6,033     $ (11,111 )
    Adjustments to reconcile net income (loss) to net cash provided by operations:              
    Depreciation and amortization   5,560       4,494  
    Stock-based compensation expense   7,794       4,652  
    Provision for excess and obsolete inventory   1,532       1,970  
    Amortization of operating lease right-of-use assets   976       321  
    Deferred income taxes   (4,304 )     65  
    Earnings from equity method investments   132       —  
    Change in fair value of contingent consideration   6,682       4,922  
    Other non-cash items   (587 )     44  
    Unrealized foreign exchange gain on cash and cash equivalents   (41 )     (2 )
    Changes in operating asset and liability accounts:              
    Accounts receivable   (3,213 )     4,340  
    Inventory   (7,707 )     (6,841 )
    Prepaid expenses and other current assets   543       5,992  
    Operating leases   (1,563 )     (327 )
    Accounts payable and accrued expenses   3,209       (13,498 )
    Deferred revenue   13,239       7,117  
    Net cash provided by operating activities   28,285       2,138  
                   
    Cash flows from investing activities:              
    Purchases of property, plant and equipment   (2,415 )     (934 )
    Cash paid to settle NWL contingent consideration liability   (3,278 )     —  
    Cash paid for NWL Acquisition, net of cash acquired   (29,577 )     —  
    Change in other assets   64       (27 )
    Net cash used in investing activities   (35,206 )     (961 )
                   
    Cash flows from financing activities:              
    Repurchase of treasury stock   (126 )     —  
    Repayment of debt   (25 )     (65 )
    Cash paid related to registration of common stock shares   (148 )     —  
    Proceeds from public equity offering, net   —       65,227  
    Proceeds from exercise of employee stock options and ESPP   307       279  
    Net cash provided by financing activities   8       65,441  
                   
    Effect of exchange rate changes on cash, cash equivalents and restricted cash   14       (13 )
                   
    Net (decrease) increase in cash, cash equivalents and restricted cash   (6,899 )     66,605  
    Cash, cash equivalents and restricted cash at beginning of year   92,280       25,675  
    Cash, cash equivalents and restricted cash at end of year $ 85,381     $ 92,280  
     
    RECONCILIATION OF GAAP NET INCOME (LOSS) TO NON-GAAP NET INCOME
    (In thousands, except per share data)
      Three Months Ended March 31,     Year Ended March 31,  
      2025     2024     2025     2024  
    Net income (loss) $ 1,206     $ (1,579 )   $ 6,033     $ (11,111 )
    Stock-based compensation   2,855       1,044       7,794       4,652  
    Amortization of acquisition-related intangibles   706       538       2,433       2,158  
    Change in fair value of contingent consideration   —       1,870       6,682       4,922  
    Acquisition costs   —       —       1,095       —  
    Non-GAAP net income   4,767       1,873       24,037       621  
                                   
    Non-GAAP net income per share – basic $ 0.13     $ 0.06     $ 0.65     $ 0.02  
    Non-GAAP net income per share – diluted $ 0.12     $ 0.05     $ 0.64     $ 0.02  
    Weighted average shares outstanding – basic   37,672       33,139       36,990       29,825  
    Weighted average shares outstanding – diluted   38,516       34,447       37,718       30,909  
     
    Reconciliation of Forecast GAAP Net Income to Non-GAAP Net Income
    (In millions, except per share data)
      Three months ending  
      June 30, 2025  
    Net income $ 1.0  
    Stock-based compensation   2.6  
    Amortization of acquisition-related intangibles   0.4  
    Non-GAAP net income $ 4.0  
    Non-GAAP net income per share $ 0.10  
    Shares outstanding   38.7  
     

    Note: Non-GAAP net income (loss) is defined by the Company as net income (loss) before; stock-based compensation; amortization of acquisition-related intangibles; changes in fair value of contingent consideration; acquisition costs; other non-cash or unusual charges, and the tax effect of adjustments calculated at the relevant rate for our non-GAAP metric. The Company believes non-GAAP net income (loss) and non-GAAP net income (loss) per share assist management and investors in comparing the Company’s performance across reporting periods on a consistent basis by excluding these non-cash, non-recurring or other charges that it does not believe are indicative of its core operating performance. Actual GAAP and non-GAAP net income (loss) and net income (loss) per share for the fiscal quarter ending June 30, 2025, including the above adjustments, may differ materially from those forecasted in the table above, including as a result of changes in the fair value of contingent consideration.

    Generally, a non-GAAP financial measure is a numerical measure of a company’s performance, financial position or cash flow that either excludes or includes amounts that are not normally excluded or included in the most directly comparable measure calculated and presented in accordance with GAAP. The non-GAAP measures included in this release, however, should be considered in addition to, and not as a substitute for or superior to, operating income or other measures of financial performance prepared in accordance with GAAP. A reconciliation of GAAP to non-GAAP net income (loss) is set forth in the table above. Non-GAAP net income (loss) per share is defined as non-GAAP net income (loss) divided by shares outstanding.

    AMSC Contacts
    Investor Relations Contact:
    Carolyn Capaccio, CFA
    Phone: 212-838-3777
    amscIR@allianceadvisors.com

    AMSC Director, Communications:
     Nicol Golez
    978-399-8344
    Nicol.Golez@amsc.com

    Public Relations Contact:
     RooneyPartners
    Joe Luongo
    (914) 906-5903
    jluongo@rooneypartners.com

    The MIL Network –

    May 22, 2025
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