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Category: Health

  • MIL-OSI: Altai Mourns the Passing of Chairman and President Niyazi Kacira, and Announces Election of the Board of Directors, Appointment of New Chairman and President, and Stock Option Grants

    Source: GlobeNewswire (MIL-OSI)

    TORONTO, Oct. 22, 2024 (GLOBE NEWSWIRE) — Altai Resources Inc. (ATI, TSX VENTURE; US SEC Rule 12g3-2(b) File # 82-2950) (“Altai” or the “Company”) announces with great sadness the passing of its Chairman and President, Dr. Niyazi Kacira following a short illness. We extend our deepest sympathies to his family.

    The Board and the Altai family will greatly miss his extraordinary passion and devotion to the Company, thoughtful leadership and ability to connect with people. He was a person of great integrity and unparalleled reputation.

    Dr. Kacira took over the helm of the dormant Black Cliff Mines Ltd. (later changed the name to Altai Resources Inc) in 1987, revived it and listed it on the Toronto Stock Exchange. Since 1987, he served as President (except for a short period of time) and Chairman until his passing. He has made an invaluable and immeasurable contribution in nurturing, building and growing Altai with his tremendous geological expertise and foresight and always with the best interest of the Company in mind and in action, and has set the highest standard of integrity for the Company.

    At its annual general meeting of the shareholders held on October 21, 2024 (the “Meeting”) in Toronto, Jeffrey S. Ackert, Maria Au and Eric Yao as described in the Management Information Circular of the Meeting, were elected as Directors of the Company. Due to his passing, Dr. Kacira was not nominated as director in the Meeting. In the Meeting, Kursat Kacira, who has advised that he is willing and able to serve as a Director of Altai if elected, was nominated as permitted in accordance with the Company’s Advance Notice By-laws and was duly elected as a Director of the Company.

    Mr. Kursat Kacira, a resident of Ontario, Canada, is an accomplished finance and investment executive with over 25 years of global experience in investment management, real estate, corporate finance, capital markets, investment banking, and public accounting. He is a Chartered Professional Accountant (Ontario), has a Master of Business Administration (Dean’s Scholarship) from the Stern School of Business at New York University, and a Bachelor of Mathematics (Honours) from the University of Waterloo.

    He is currently the President of Kacira Holdings Ltd., a private family office investment company. Previously, he served as Managing Director, Head of Global Capital Markets in the Private Markets group at Manulife Investment Management, the Global Wealth & Asset Management division of Manulife Financial Corporation. Prior to joining Manulife, he was the CEO and a director of Firm Capital American Realty Partners Corp., a publicly traded real estate company focused on investing in multi-family residential real estate in the United States. He has also previously been the CEO (and Board Trustee) of Maplewood International REIT (a publicly traded REIT focused on investing in commercial real estate in Europe); CFO of NorthWest International Healthcare Properties REIT (a publicly traded REIT focused on investing in healthcare real estate in Europe, South America, and Australasia); CFO of Whiterock REIT, a publicly traded REIT focused on investing in commercial real estate in Canada and the United States, where he was responsible for the ultimate sale of Whiterock to publicly traded Dundee REIT in 2012, for an enterprise value of $1.4 billion (at the time, the 3rd largest Canadian commercial real estate M&A transaction since 2006). Prior to the above, he had been Vice President & Director in the Real Estate Group, Investment Banking at TD Securities Inc. in Toronto, Ontario, in investment banking with Bear, Stearns & Co. Inc. in New York, US and in public accounting in Canada and Europe (Price Waterhouse in Toronto and Paris). Through his investment banking career in Canada and the United States, he was responsible for completing over $10 billion of capital raising (equity and debt) and M&A transactions for companies across numerous industries, primarily in the real estate sector.

    Mr. Harold Tan, a director of the Company since 2023, did not stand for renomination as a director in this Meeting, for personal reasons. Altai sincerely thanks him for his contributions to the Company during his directorship and wishes him well in all his future ventures.

    In the Meeting, CAN Partners LLP, Chartered Professional Accountants were appointed as Auditors of the Company.

    On October 21, 2024 and after the Meeting, the Board appointed Kursat Kacira as the Chairman and President of the Company.

    On October 21, 2024, the Company granted to each of the two new directors and a new officer, a stock option of 200,000 shares to purchase common shares of the Company at an exercise price of $0.10 per share and expiring October 19, 2029.

    ABOUT ALTAI
    Altai Resources Inc. is a resource company with a producing oil property in Alberta and an exploration gold property in Quebec.

    For further information, please contact
    Maria Au, Secretary-Treasurer
    Tel: (416) 383-1328 Fax: (416) 383-1686
    Email: info@altairesources.com Internet: http://www.altairesources.com

    Neither TSX Venture Exchange nor its Regulation Services Provider (as that term is defined in the policies of the TSX Venture Exchange) accepts responsibility for the adequacy or accuracy of this release.

    The MIL Network –

    January 24, 2025
  • MIL-OSI Security: California Mobile Phlebotomy Lab and Its Owners to Pay $135,000 to Resolve Allegedly False Claims for Blood Testing Services and Travel Mileage

    Source: United States Attorneys General 13

    Veni-Express Inc. (Veni-Express), headquartered in California, and its owners Myrna and Sonny Steinbaum have agreed to pay at least $135,000 to resolve False Claims Act allegations that they submitted false claims for mobile phlebotomy services and associated travel mileage and paid kickbacks to a third-party marketer of these services, in violation of the Anti-Kickback Statute (AKS). Veni-Express has agreed to pay $100,000, plus additional amounts based on the sale of company property. Myrna Steinbaum has agreed to pay $25,000, and Sonny Steinbaum has agreed to pay $10,000. These settlements are based on their ability to pay.

    The United States alleged that from 2015 to 2019, Veni-Express and the Steinbaums knowingly caused false or fraudulent claims to federal health care programs for mobile phlebotomy services and associated travel mileage. Specifically, with the Steinbaum’s oversight and approval, Veni-Express submitted false claims for venipuncture (blood draw) procedures that the company did not actually perform during homebound patient visits, and for travel mileage associated with these visits that was not reimbursable by Medicare. The United States further alleged that, from July 2014 to June 2015, Veni-Express paid unlawful kickbacks (in the form of a percentage of company revenue) to a third-party, Altera Laboratories also known as Med2U Healthcare LLC, for the marketing of Veni-Express’ services, in violation of the AKS.

    “Health care providers that bill for services they did not provide or offer illegal incentives to increase profits will be held accountable,” said Principal Deputy Assistant Attorney General Brian M. Boynton, head of the Justice Department’s Civil Division. “We will continue to safeguard federal health care programs against those who seek to abuse them.”

    “Providers must not bill for services they did not perform. Further, the presence of unlawful kickbacks all too often corrupts medical judgment,” said U.S. Attorney Phillip A. Talbert for the Eastern District of California. “Our office is committed to investigating and holding accountable those who violate the False Claims Act and AKS to safeguard the public fisc and protect the integrity of our federal health care system.”

    “Improper incentives and billing Medicare for services never actually provided divert taxpayer funding meant to pay for medically necessary services for Medicare enrollees,” said Special Agent in Charge Steven J. Ryan of the Department of Health and Human Services Office of the Inspector General (HHS-OIG). “HHS-OIG and our law enforcement partners remain committed to identifying and holding accountable those who engage in such unlawful relationships.”

    The civil settlement resolves claims brought under the qui tam or whistleblower provisions of the False Claims Act by Banisha Evans, a former phlebotomist for another California provider, and Richard Drummond, a technical director at a Texas laboratory. Under those provisions, a private party can file an action on behalf of the United States for false claims and receive a portion of any recovery. The qui tam cases are captioned U.S. et al., ex rel. Evans v. PhlebXpress et al., No. 2:18-cv-2038 (EDCA) and U.S. ex rel. Drummond v. Veni-Express Inc., et al., No. 2:21-cv-1199 (EDCA).

    The relators’ share of the settlement has not yet been determined.

    The resolution obtained in this matter was the result of a coordinated effort between the Civil Division’s Commercial Litigation Branch, Fraud Section, the U.S. Attorney’s Office for the Eastern District of California and HHS-OIG.

    The investigation and resolution of this matter illustrates the government’s emphasis on combating health care fraud. One of the most powerful tools in this effort is the False Claims Act. Tips and complaints from all sources about potential fraud, waste, abuse and mismanagement can be reported to HHS at 800-HHS-TIPS (800-447-8477).

    Trial Attorney Gary R. Dyal of the Civil Division’s Commercial Litigation Branch, Fraud Section, and Assistant U.S. Attorney Colleen Kennedy for the Eastern District of California handled the matter.

    The claims resolved by the settlement are allegations only. There has been no determination of liability.

    Settlement

    MIL Security OSI –

    January 24, 2025
  • MIL-OSI United Kingdom: Trade Secretary launches new fund to unlock multi-billion exports boost 

    Source: United Kingdom – Executive Government & Departments

    Jonathan Reynolds will announce Regulatory Partnership for Growth Fund on visit to Brazil including his first G20 meeting

    • New £2.3million Regulatory Partnership for Growth Fund will help to unlock export opportunities worth nearly £5 billion for UK companies over five years   
    • Sectors like clean energy and life sciences set to benefit, as fund targets trade barriers worth £300m in its first year   
    • Announcement comes as Jonathan Reynolds visits Brazil for G20 trade talks  

    The UK’s pharmaceutical industry will find it easier to sell innovative medicines in huge markets like Brazil and around the world thanks to a new fund to cut red tape and boost exports.  

    Trade Secretary Jonathan Reynolds will announce the new £2.3 million Regulatory Partnership for Growth Fund as part of a three-day visit to Brazil, which will include his first G20 meeting.  

    The fund builds on the Prime Minister’s call at the International Investment Summit last week for UK regulators to support the Government’s growth mission, keep pace with emerging industries and upgrade the regulatory regime to make it fit for the modern age.  

    The fund will help UK regulators work with international partners to remove trade barriers and shape markets in various growing sectors. This will see sectors benefit from a potential £5 billion of new export opportunities over five years, with trade barriers worth £300 million being targeted within the first 12 months – which would be equal to an average of £135 in exports per pound invested.   

    In an exciting project in the life sciences sector, this will see UK regulators and expert bodies work closely with Brazil’s Ministry of Health in sharing best practice around evaluating cancer drugs, supporting them to improve their nation’s health while making it easier for the industry to access Brazil’s pharmaceutical market. 

    Business and Trade Secretary Jonathan Reynolds said:   

    We are rolling up our sleeves and removing red tape where it is holding this country back from harnessing every opportunity available.  

    This multi-million-pound fund will unleash the potential of some of the most prominent sectors in the UK, and through our excellent regulators businesses will find it easier to sell their world class goods and services to Brazil and other partners around the world, as we continue to build momentum ahead of our new Industrial Strategy.

    The fund will also:  

    • enable the Offshore Renewable Energy (ORE) Catapult to partner with Brazil as it develops a comprehensive offshore wind regulatory framework, which could generate an additional £55 million of exports over five years for the UK supply chain.   
    • in the professional services sector, the Law Society will build closer relationships with other countries to reduce requirements for UK lawyers to practice overseas, including in some US states, where they have faced onerous requirements.    
    • support UK regulators who will aim to improve the process for accreditation of UK education programmes, such as university degrees, in countries all over the world, including Malaysia.  

    Dr Stephen Wyatt, Director – Strategy and Emerging Technology, ORE Catapult said:   

    The UK is a world leader in offshore wind and, in partnership with the Department for Business & Trade, we now have the opportunity to translate two decades of experience into new export opportunities for UK companies.    

    Our work will help other countries to accelerate their plans to develop offshore wind and pinpoint key areas, such as floating wind, project development, and operations and maintenance where the UK’s leading companies can also flourish overseas.

    Richard Atkinson, President of The Law Society England and Wales said:   

    The Law Society of England and Wales appreciates the government’s initiative to establish the Regulatory Partnership for Growth Fund.  

    This funding will provide essential support to UK businesses by helping them move past regulatory barriers in various global markets.  

    By building closer relationships with countries overseas, this fund will contribute to the growth and progression of the legal profession globally.

    It comes as the Trade Secretary heads to São Paulo and Brasília to build on the UK’s strong and enduring relationship with Brazil, meeting investors including one of the world’s biggest aircraft manufacturers, Embraer, as well as some of the largest UK businesses in Brazil such as Astra Zeneca.   

    The Trade Secretary will then meet Brazil’s Vice President and Trade Minister Geraldo Alckmin in Brasília, where they will talk about how to build on the over £10bn of UK-Brazil trade last year and implementation of Brazil’s Industrial Strategy ahead of the UK publishing its own next year. He will then meet his G20 counterparts and call for pragmatic and meaningful reform to strengthen the World Trade Organization, as well as action to promote gender equality in trade.   

    The Trade Secretary will also use the visit to hold the first bilateral meeting on trade between the UK and Argentina since 2019 when he meets with his counterpart Diana Mondino, where he will commit to strengthening the UK’s trade and investment relationship in line with both governments’ goals to support economic growth.  

    He will also speak to the Vice-President of the European Commission Valdis Dombrovskis, where he will emphasise the importance on resetting the relationship between the UK and the EU.   

    The meetings are alongside wider G20 discussions under Brazil’s presidency on sustainable investment and how trade can drive greener and more sustainable development, ahead of South Africa taking on the G20 Presidency in 2025.   

    Notes to Editors

    • Not all the trade barriers that are part of the £2.3m fund can be made public due to commercial or diplomatic sensitivity.  
    • The data on trade barriers to be resolved by the £2.3m fund is extracted from the Digital Market Access Service (DMAS). DMAS is not a comprehensive repository of all market access issues facing UK exporters, and reporting rates vary widely across countries and regions  
    • The £2.3m fund will be used to aid the resolution of 36 barriers in scope – the aggregate valuation of these barriers is around £5bn over 5 years. The aggregate figure of around £300m over 5 years is for a sample of 6 barriers only. To calculate the aggregate figures, the mid-point for each valuation range is estimated over a five-year period and added to provide a central estimate. Further details on the methodology for the aggregate valuation figures are published in a DBT analytical working paper. In some cases, estimates may have been sourced externally from industry.  
    • The figure of around £135 in export value per pound over five years is calculated by dividing £300m by the cost of the fund (£2.3m). This is a potential export win and it should not be interpreted that every additional pound might get another £135 in return.

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    Updates to this page

    Published 23 October 2024

    MIL OSI United Kingdom –

    January 24, 2025
  • MIL-OSI USA: 10.22.2024 Cruz, Lankford Challenge Biden-Harris Administration’s ‘Gender Identity’ Guidance Targeting Women, People of Faith

    US Senate News:

    Source: United States Senator for Texas Ted Cruz
    ASHINGTON, D.C. – U.S. Sen. Ted Cruz (R-Texas), member of the Senate Judiciary Committee and Ranking Member of the Subcommittee on the Constitution, and Sen. James Lankford (R-Okla.) sent a letter to the Department of Health and Human Services (HHS) Secretary Xavier Becerra about new guidance from HHS that compels speech, targets the ability of federal employees to practice their faith, and endangers women.
    In the letter, the senators wrote, “We write out of deep concern over Guidance you issued entitled ‘Gender Identity Non-Discrimination and Inclusion Policy for Employees and Applicants.’… According to the Guidance, failure to use the preferred names and pronouns an individual asks to be addressed with ‘contribute[s] to an unlawful hostile work environment.’ Notably, your Guidance states that the Department cannot ‘require a legal change of name or gender marker, medical certification, or other documentation.’ In other words, anyone can change their names and pronouns and compel coworkers to use that name or pronoun, or face disciplinary action.
    “Perhaps more egregious than the Guidance’s position on compelled speech related to pronoun usage is the policy on bathroom, locker room, and lactation room usage. According to the Guidance, HHS will ‘ensure there are no barriers to equally accessing restrooms, locker rooms, lactation rooms, or other personal care spaces.’… Including lactation rooms in this same Guidance is blatantly offensive—males cannot breastfeed their children, and claiming to be female does not change that reality. The only reason for including this in the Guidance is to continue to push a radical agenda in every facet of the federal workplace.”
    Sens. Cruz and Lankford were joined by Sens. Jim Risch (R-Idaho), Mike Lee (R-Utah), Marco Rubio (R-Fla.), and Steve Daines (R-Mont.) in signing the letter.
    Read the full letter here or below:
    Dear Mr. Secretary:
    We write out of deep concern over Guidance you issued entitled “Gender Identity Non-Discrimination and Inclusion Policy for Employees and Applicants.” This Guidance denies science, compels speech, jeopardizes the ability of federal employees to practice their faith without fear of retaliation, endangers women, and further erodes the American people’s trust in public institutions. We urge you to reverse course and rescind this Guidance.
    According to the Guidance, failure to use the preferred names and pronouns an individual asks to be addressed with “contribute[s] to an unlawful hostile work environment.” Notably, your Guidance states that the Department cannot “require a legal change of name or gender marker, medical certification, or other documentation.” In other words, anyone can change their names and pronouns and compel coworkers to use that name or pronoun, or face disciplinary action. The Guidance also stipulates that training on this guidance will be included in “all new employee training.” It also says additional trainings regarding gender identity will be made available, and that “specialized training” may be deemed necessary “for particular offices or Department-wide.” There is no mention anywhere in the Guidance about accommodations for those with religious or conscience objections to the compelled use of incorrect pronouns.
    In addition to violating extremely clear, long-standing Supreme Court precedents on compelled speech, reaffirmed as recently as 303 Creative v Elenis, this also violates Title VII of the Civil Rights Act of 1964, as well as the Religious Freedom Restoration Act. In forcing employees to choose between deeply held religious beliefs or losing their job, HHS is creating a hostile work environment for employees.
    Perhaps more egregious than the Guidance’s position on compelled speech related to pronoun usage is the policy on bathroom, locker room, and lactation room usage. According to the Guidance, HHS will “ensure there are no barriers to equally accessing restrooms, locker rooms, lactation rooms, or other personal care spaces.” The Guidance notes that, “HHS will not condition this access on an employee having undergone or providing proof of gender-affirming surgeries or other medical procedures.” Further, if any employees are made uncomfortable by having to share bathrooms, locker rooms, or lactation rooms with individuals using the wrong space, they will be directed to use other facilities, because “employees will not be barred from using the restroom consistent with their gender identity.”
    Given the Guidance’s stipulation on not requiring any evidence of gender dysphoria or gender transition procedures, women could be forced to be exposed to fully male anatomy in the bathroom or in the locker room. This creates a hostile work environment for women who may have no other option than using the facilities at work. A female employee who has used a women’s restroom for more than a decade will be told that she has to find a new option for a restroom if she is uncomfortable with a biological male in her restroom. Women deserve better. Including lactation rooms in this same Guidance is blatantly offensive—males cannot breastfeed their children, and claiming to be female does not change that reality. The only reason for including this in the Guidance is to continue to push a radical agenda in every facet of the federal workplace.
    Finally, the Guidance’s denial of science—and incorporation of that denial into the hiring, firing, and promotion process—raises questions about the work and research being done through the HHS. Gender is not, as the Guidance erroneously asserts, “a social construct of identities, norms, behaviors, and roles that vary between societies over time.” There are only two sexes: male and female. Research by the HHS at taxpayer expense should not be done in contravention of that scientific and self-evident fact.
    HHS is rapidly losing the confidence of the American people over the last three years. According to Pew Research polling, in 2020, HHS had a favorable/unfavorable rating of 73/19. In 2023, that favorability metric had plummeted to 55/30. By rejecting science and diving deeper into the culture wars, HHS risks further undermining faith in critical public institutions. We urge you to rescind this Guidance, and request answers to the following questions no later than October 30.
    In your response to a Finance Committee question for the record, you stated that this Guidance does not change any religious protections for employees, but you did not answer whether there was a specific exemption process in place for this guidance. What exemption process is HHS providing to employees and managers being required to follow or implement this guidance based on religious or conscience objections?
    Please provide detailed account of the exemption process; how HHS is ensuring employees are aware of this process; if individuals have to apply for an exemption; and how many individuals have received exemptions.
    The Guidance requires managers who become aware of “derogatory remarks or demeaning behaviors” to “take appropriate steps to immediately and effectively stop these activities.”
    Is an employee’s refusal to use preferred name or pronouns considered “derogatory remarks or demeaning behavior?”
    What does HHS consider “appropriate steps?”
    How many HHS employees have faced employment consequences of any type for not abiding this guidance?
    The Guidance refers to updating websites, policies, programs, trainings, and publications to “replace gendered language with gender-neutral and gender-inclusive language.”
    Please provide detailed accounts of how many hours have already or will be used on this, the total cost of updating training materials, and any other expenses incurred as a result of this change.
    Will information pertaining to male and female specific medical issues—including testicular or ovarian cancer, maternal health, etc.—also be changed to gender neutral language?
    The Guidance creates an “LGBTQI+ Coordinating Committee.”
    Who will determine the members of this committee?
    What funds will be used to pay for the activities of this committee?
    Will there be a member on this committee dedicated to ensuring the protection of employees with religious and conscience objections?
    On what statutory authority does HHS base this Guidance?
    We look forward to your prompt response.
    Sincerely,
    /X/

    MIL OSI USA News –

    January 24, 2025
  • MIL-Evening Report: Deadly bus ambush in PNG’s Enga province kills, wounds many

    By Miriam Zarriga in Port Moresby

    A deadly ambush unfolded in Enga province between 6 p.m. and 7 p.m. last night, leaving multiple people dead after a bus was attacked by armed men.

    Police confirmed to the Post-Courier that bodies were found both inside the bus and scattered in nearby bushland. Men and women attempting to flee the gunfire were gunned down before they could get far.

    Witnesses reported that the bus, a public motor vehicle (PMV), was riddled with bullets during the ambush.

    Blood and bodies lay strewn across the area when a distress call alerted police at Surunki station to the tragic scene.

    The PMV was later escorted to Wabag General Hospital, where the bodies were removed. Hospital staff have warned that more victims may still arrive.

    Local MP Aimos Akem attributed the deaths to escalating violence linked to ongoing conflict in Porgera, saying it continues to take a heavy toll on the people of Lagaip.

    Republished from the PNG Post-Courier with permission.

    MIL OSI Analysis – EveningReport.nz –

    January 24, 2025
  • MIL-OSI New Zealand: LEBANON: Over 400,000 forcibly displaced children at growing risk of scabies, cholera and waterborne diseases

    Source: Save the Children

    Over 400,000 children forced from their homes by the escalating conflict in Lebanon are at risk of skin diseases, cholera, and other waterborne diseases due to overcrowded, basic conditions in collective- shelters and a lack of water and sanitation facilities, said Save the Children.
    The first case of cholera and cases of scabies have already been reported among some of the 1.2 million people forcibly displaced from their homes. The World Health Organisation expressed concerns that many of those who had fled the violence in the south had no protection from cholera, which thrives in poor water and sanitary conditions.
    With winter fast approaching, children and families sleeping out in the open or in collective shelters that lack adequate heating will be exposed to harsh conditions and forced to endure cold, wet weather without proper protection, warned Save the Children which is working in 194 of the 1,094 collective shelters in Lebanon. These poor living conditions will expose children to a high risk of respiratory infections and other cold-related health issues.
    Fatima, 31, was displaced from the south with her 11-year-old child and is now staying at a collective shelter in Mount Lebanon, sharing a crowded classroom with about eight other families. She said:
    “Everything is difficult. We’re running out of essential medications for chronic illnesses, especially for the elderly. We can’t even find blood pressure medicine. We left our home with just the clothes we were wearing. Winter is coming, and we need warm clothes, blankets, and heaters.
    Can you imagine 30 families per floor sharing a single toilet? It’s a school toilet, so there’s no shower or water heater. We have to fill plastic containers with water and leave them in the sun to heat up, just so we can bathe the children. The elderly and kids are falling sick because they must wash with cold water. These living conditions are unbearable.”
    One in five people in Lebanon have been uprooted from their homes in the past four weeks. Many of those fleeing are already vulnerable, including children and refugee populations who have already been displaced for months.
    Over 190,000 people are now living in 1,094 collective shelters across the country, which are schools, community centres and other public institutions that have been repurposed.
    Kamal Nasser El Deen, Emergency Response Coordinator at Save the Children Lebanon said:
    “I’ve been in multiple shelters where I’ve seen families and children waiting in long lines just to access the bathrooms. The facilities are inadequate for the number of people, and to make matters worse, the water supply is inconsistent. This lack of clean, reliable water creates a significant risk for waterborne diseases. It’s heartbreaking to know that these children, already displaced and vulnerable, face the additional threat of illness simply because basic needs like sanitation and clean water aren’t being met.”
    The health care system is also under huge strain due to intense Israeli airstrikes, with almost half of all primary health care centres in conflict-affected areas now closed, while 11 hospitals have been either fully or partially evacuated. A total of 28 water facilities have been damaged, affecting over 360,000 people.
    Jennifer Moorehead, Save the Children’s Country Director in Lebanon said:
    “Children in Lebanon now have to face not only bombs but also the risk of vaccine-preventable disease. We’re alarmed – but not surprised – by the first case of cholera case given last year we’ve observed a sharp decline in vaccination coverage. Thousands of vulnerable children are now unprotected and with winter just round the corner and temperatures dropping, they will become even more susceptible to diseases such as measles, meningitis and hepatitis A. We have already seen in Gaza how the lethal combination of mass displacement, attacks on healthcare and lack of nutritious food and water can impact children’s lives. We cannot allow this to happen again. The international community must act now to prevent a humanitarian catastrophe and exert pressure for an immediate ceasefire.”
    Save the Children has been working in Lebanon since 1953. Since October 2023, we’ve been scaling up our response in Lebanon, supporting displaced Lebanese, Syrian and Palestinian children and families, and now have escalated an emergency response throughout the country in 194 collective shelters. Since October 2023, we’ve supported more than 110,000 people, including 47,000 children, with cash, blankets, mattresses and pillows, food parcels, water bottles and kits containing essential hygiene items. 
    – “Collective shelters” are pre-existing buildings and structures where large groups of displaced people find shelter for a short time while durable solutions are pursued. A variety of facilities may be used as collective centres – community centres, town halls, hotels, gymnasiums, warehouses, unfinished buildings, disused factories. Infrastructure and basic services are provided on a communal basis or access to them is made possible. 

    MIL OSI New Zealand News –

    January 24, 2025
  • MIL-OSI Security: Whitehorse — Crime Reduction Unit arrests repeat offender

    Source: Royal Canadian Mounted Police

    At approximately 4 pm on October 16, 2024, members of Yukon Crime Reduction Unit, assisted by Whitehorse Detachment General Investigation Section arrested 34-year-old Marcus Hickey. Mr. Hickey was wanted on an un-endorsed warrant for two counts of breaching a release order.

    Hickey resisted arrest and subsequently struck an officer in the eye. Both Mr. Hickey and the officer were evaluated at Whitehorse General Hospital for minor injuries.

    Mr. Hickey while in the process of being transported from Whitehorse General Hospital to the Arrest Processing Unit, pushed police and attempted to grab items on the officer’s duty belt. Mr. Hickey then attempted to flee from police by running away but was quickly caught and arrested.

    Mr. Hickey was charged with: attempting to disarm a police officer, two counts of assault on a police officer, two counts of resist arrest, and escape lawful custody.

    Mr. Hickey currently has 31 charges before the courts. His next appearance is October 30, 2024.

    MIL Security OSI –

    January 24, 2025
  • MIL-OSI New Zealand: Lifestyle – The Summer Transition: Body Composition Change During Seasonal Change

    Source: Exercise New Zealand

    As we transition into summer, it’s important to understand how our bodies respond to seasonal changes—both voluntary and involuntary. These shifts can happen to anyone, but the good news is that regular exercise can play a crucial role in managing these changes. 

    Whether you’re looking to boost muscle tone, shed excess weight, or simply feel your best, staying active is the key to unlocking your summer fitness goals.

    Recent studies indicate that seasonal changes impact body composition, particularly in relation to lean mass (LM), fat mass (FM), and overall body conditioning. 

    Research published in BMC Sports Science, Medicine and Rehabilitation, highlights how seasonal transitions from cooler to warmer months bring about changes in body composition, particularly in the distribution of fat and muscle. 
    During this time individuals, specifically those that have an established exercise routine, often experience shifts in body mass, bone density, and muscle development. While the focus has often been on elite athletes, this research provides valuable insights for anyone looking to optimise their health and fitness goals heading into summer.

    In addition to regular exercise, staying properly hydrated is essential for maintaining peak performance and body composition during the summer months. 

    Recent research published in Nutrients Journal emphasises the importance of a targeted hydration strategy, particularly in these warmer conditions, to prevent dehydration and enhance physical performance. 
    Studies show that individuals who follow a personalised hydration plan are better able to maintain fluid balance, avoid excessive sodium loss, and reduce the perception of thirst and physical effort during high-intensity workouts.

    Lean Mass Increases: The transition from cooler to warmer months can lead to an increase in lean muscle mass, especially with regular strength and conditioning exercises.

    Fat Mass Maintenance: Consistent exercise during warmer months can help manage body fat.

    Bone Density Boost: Increased physical activity during summer, particularly weight-bearing exercises, can improve bone mineral density.

    Hydration: Water and sodium are critical in the warmer months. Commercially available electrolyte drinks can suffice for maintaining hydration.

    ExerciseNZ highlights the importance of making the most of the lead-up to summer by staying active and well-hydrated. 

    Whether it’s hitting the gym for strength training, swimming, or taking a walk around your neighbourhood, summer provides the perfect opportunity to boost your fitness, enhance body composition, and also improve mental health through exercise. 
    By embracing a healthy lifestyle and regular exercise, Kiwis across Aotearoa can enjoy the benefits of lean muscle growth, better bone health, and overall well-being.

    MIL OSI New Zealand News –

    January 24, 2025
  • MIL-OSI Translation: Save, rebuild and rebuild New Caledonia

    MIL OSI Translation. French Polynesian to English –

    Source: Government of New Caledonia

    On October 17, 21 and 22, the government organized a major conference at the Tjibaou cultural center devoted to the community-led plan for safeguarding, rebuilding and reconstruction (PS2R). Three days during which the government was able to present its vision and measures and discuss with the stakeholders present.

    Following the riots that broke out on 13 May 2024, New Caledonia finds itself in an extremely difficult financial, economic and social situation. In this context, the members of the 17th government wanted to put in place a plan for safeguarding, rebuilding and reconstruction, “three concepts that reflect the depth and intensity of the questions that are shaking our country, as we go through a particularly difficult period”, as Louis Mapou indicated during his opening speech on Thursday 17 October.

    The PS2R will make it possible to organise short-term safeguard measures, to define in the medium term the major principles on which the future Caledonian model will be based and to identify, for the long term, the priority avenues for reconstruction. It represents “a crucial step for the future of New Caledonia”, according to the President of the Government.

     

    Findings on the current model

    In an effort to make the PS2R a concerted and shared approach, the government initiated a series of meetings with institutions, communities, unions, employer organizations, economic stakeholders and civil society before its conference in order to gather their opinions and proposals. An online public consultation was also launched and received approximately 3,000 responses.

    This work allowed, in a first step, to make observations on the current models at the economic, health-social, institutional and societal levels. A methodology aimed at having a solid basis for a successful overhaul and to avoid repeating the mistakes of the past.

    Building on core values

    To achieve these objectives, the government also intends to rely on fundamental values, which are essential for rebuilding the Caledonian model and which must be translated as principles that could constitute the guiding principles of our collective investment:

    Kindness and solidarity because it is necessary to provide for the needs of the population in this difficult context and to strengthen social cohesion and community ties. The proximity of public action, to guarantee transparent and effective management of the country’s affairs. But above all because these events have revealed a significant gap between the expression of needs by a large category of the population, particularly Kanak youth, and public action. Complementarity rather than competition, particularly in the management of public affairs, in order to maximize synergies and avoid divisions. Ethics and integrity in governance, in order to restore citizens’ confidence in their institutions.

     

    Values that have made it possible to identify the four pillars on which the re-establishment of the Caledonian model will be based. “These pillars are self-evident to be addressed in this trajectory that we are establishing over three years,” affirmed Louis Mapou.

    The first pillar concerns the concept of “living together” which must be the primary, central and collective ambition of New Caledonia. It is based on a common foundation: belonging to this country and the desire to give it its own unique identity. The second pillar concerns our economic model and the desire to make it competitive and attractive by highlighting the wealth of New Caledonia. The third pillar is the social pillar which today needs to be rethought in order to perpetuate the health and social protection systems, so that they can meet the needs of current and future generations. The fourth pillar focuses on the issue of governance with the ambition of making institutions more responsive, more effective and closer to Caledonians.

    Clear strategic objectives

    In order to work as efficiently as possible, the government has defined, based on the findings and contributions collected, strategic objectives (SO) to be achieved in each model. These objectives will be achieved through concrete measures, some of which are already being considered or implemented.

    Business model

    OS1 – Preserve decent purchasing power

    OS2 – Restore the attractiveness of the territory and the competitiveness of the economy

    OS3 – Freeing up financing for the economy

    OS4 – Adapting land use planning and infrastructure to the needs of the population

    OS5 – Redefining the nickel industry model

    OS6 – Major infrastructure works

     

    Health and social model

    OS7 – Make the Caledonian health system viable and efficient

    OS8 – Controlling social protection expenditure

    OS9 – Strengthening family policy

     

    Institutional model

    OS10 – Making public action more efficient

    OS11 – Optimize the distribution of skills

    OS12 – Promoting the expression and representation of civil society

     

    Societal model

    OS13 – Build an identity based on common and shared values and practices and reinforced by a sense of belonging to New Caledonia

    OS14 – Adapting education, training and integration to the contemporary context

    OS15 – Protect and enhance natural resources

    OS16 – Preventing and adapting to climate change

    The prospects of PS2R

    The day after the conference dedicated to the plan, the government intends to publish a booklet incorporating all the observations noted during this unifying event. It also plans to travel to the three provinces to present the plan to the population, who “must absolutely take ownership of it”, as President Louis Mapou insisted.

    It is also envisaged to annex the PS2R to the budget orientation debate for the year 2025, which will allow in particular to develop a series of prospective scenarios for the next three years. Furthermore, the government plans to begin discussions in order to set up a State support agreement, on the basis of the PS2R, in order to ensure that the necessary measures can actually be put in place.

    The implementation of the PS2R will be subject to regular monitoring by the interinstitutional committee and the committee of vital forces.

    EDITOR’S NOTE: This article is a translation. Apologies should the grammar and/or sentence structure not be perfect.

    MIL Translation OSI

    January 24, 2025
  • MIL-Evening Report: Scurvy is largely a historical disease but there are signs it’s making a comeback

    Source: The Conversation (Au and NZ) – By Lauren Ball, Professor of Community Health and Wellbeing, The University of Queensland

    Matilda Wormwood/Pexels

    Scurvy is is often considered a historical ailment, conjuring images of sailors on long sea voyages suffering from a lack of fresh fruit and vegetables.

    Yet doctors in developed countries have recently reported treating cases of scurvy, including Australian doctors who reported their findings today in the journal BMJ Case Reports.

    What is scurvy?

    Scurvy is a disease caused by a severe deficiency of vitamin C (ascorbic acid), which is essential for the production of collagen. This protein helps maintain the health of skin, blood vessels, bones and connective tissue.

    Without enough vitamin C, the body cannot properly repair tissues, heal wounds, or fight infections. This can lead to a range of symptoms including:

    • fatigue and weakness
    • swollen, bleeding gums or loose teeth
    • joint and muscle pain and tenderness
    • bruising easily
    • dry, rough or discoloured skin (reddish or purple spots due to bleeding under the skin)
    • cuts and sores take longer to heal
    • anaemia (a shortage of red blood cells, leading to further fatigue and weakness)
    • increased susceptibility to infections.

    It historically affected sailors

    Scurvy was common from the 15th to 18th centuries, when naval sailors and other explorers lived on rations or went without fresh food for long periods. You might have heard some of these milestones in the history of the disease:

    • in 1497-1499, Vasco da Gama’s crew suffered severely from scurvy during their expedition to India, with a large portion of the crew dying from it

    • from the 16th to 18th centuries, scurvy was rampant among European navies and explorers, affecting notable figures such as Ferdinand Magellan and Sir Francis Drake. It was considered one of the greatest threats to sailors’ health during long voyages

    • in 1747, British naval surgeon James Lind is thought to have conducted one of the first clinical trials, demonstrating that citrus fruit could prevent and cure scurvy. However, it took several decades for his findings to be widely implemented

    • in 1795, the British Royal Navy officially adopted the practice of providing lemon or lime juice to sailors, dramatically reducing the number of scurvy cases.

    Evidence of scurvy re-emerging

    In the new case report, doctors in Western Australia reported treating a middle-aged man with the condition. In a separate case report, doctors in Canada reported treating a 65-year old woman.

    There’s an abundance of vitamin C in our food supply, but some people still aren’t getting enough.
    Rebecca Kate/Pexels

    Both patients presented with leg weakness and compromised skin, yet the doctors didn’t initially consider scurvy. This was based on the premise that there is abundant vitamin C in our modern food supply, so deficiency should not occur.

    On both occasions, treatment with high doses of vitamin C (1,000mg per day for at least seven days) resulted in improvements in symptoms and eventually a full recovery.

    The authors of both case reports are concerned that if scurvy is left untreated, it could lead to inflamed blood vessels (vasculitis) and potentially cause fatal bleeding.

    Last year, a major New South Wales hospital undertook a chart review, where patient records are reviewed to answer research questions.

    This found vitamin C deficiency was common. More than 50% of patients who had their vitamin C levels tested had either a modest deficiency (29.9%) or significant deficiency (24.5%). Deficiencies were more common among patients from rural and lower socioeconomic areas.

    Now clinicians are urged to consider vitamin C deficiency and scurvy as a potential diagnosis and involve the support of a dietitian.

    Why might scurvy be re-emerging?

    Sourcing and consuming nutritious foods with sufficient vitamin C is unfortunately still an issue for some people. Factors that increase the risk of vitamin C deficiency include:

    • poor diet. People with restricted diets – due to poverty, food insecurity or dietary choices – may not get enough vitamin C. This includes those who rely heavily on processed, nutrient-poor foods rather than fresh produce

    • food deserts. In areas where access to fresh, affordable fruits and vegetables is limited (often referred to as food deserts), people may unintentionally suffer from a vitamin C deficiency. In some parts of developing countries such as India, lack of access to fresh food is recognised as a risk for scurvy

    • the cost-of-living crisis. With greater numbers of people unable to pay for fresh produce, people who limit their intake of fruits and vegetables may develop nutrient deficiencies, including scurvy

    Capsicums are a good source of vitamin D but they’re not cheap.
    Pexels/Jack Sparrow
    • weight loss procedures and medications. Restricted dietary intake due to weight loss surgery or weight loss medications may lead to nutrient deficiencies, such as in this case report of scurvy from Denmark

    • mental illness and eating disorders. Conditions such as depression and anorexia nervosa can lead to severely restricted diets, increasing the risk of scurvy, such as in this case report from 2020 in Canada

    • isolation. Older adults, especially those who live alone or in nursing homes, may have difficulty preparing balanced meals with sufficient vitamin C

    • certain medical conditions. People with digestive disorders, malabsorption issues, or those on restrictive medical diets (due to severe allergies or intolerances) can develop scurvy if they are unable to absorb or consume enough vitamin C.

    How much vitamin C do we need?

    Australia’s dietary guidelines recommend adults consume 45mg of vitamin C (higher if pregnant or breastfeeding) each day. This is roughly the amount found in half an orange or half a cup of strawberries.

    When more vitamin C is consumed than required, excess amounts leave the body through urine.

    Signs of scurvy can appear as early as a month after a daily intake of less than 10 mg of vitamin C.

    Eating vitamin C-rich foods – such as oranges, strawberries, kiwifruit, plums, pineapple, mango, capsicum, broccoli and Brussels sprouts – can resolve symptoms within a few weeks.

    Vitamin C is also readily available as a supplement if there are reasons why intake through food may be compromised. Typically, the supplements contain 1,000mg per tablet, and the recommended upper limit for daily Vitamin C intake is 2,000mg.

    Lauren Ball receives funding from the National Health and Medical Research Council, Queensland Health and Mater Misericordia. She is a Director of Dietitians Australia, a Director of Food Standards Australia and New Zealand, a Director of the Darling Downs and West Moreton Primary Health Network and an Associate Member of the Australian Academy of Health and Medical Sciences.

    – ref. Scurvy is largely a historical disease but there are signs it’s making a comeback – https://theconversation.com/scurvy-is-largely-a-historical-disease-but-there-are-signs-its-making-a-comeback-241894

    MIL OSI Analysis – EveningReport.nz –

    January 24, 2025
  • MIL-OSI: Dime Community Bancshares, Inc. Reports Third Quarter 2024 Results

    Source: GlobeNewswire (MIL-OSI)

    Acceleration in Core Deposit Growth Drives Increase in Quarterly Net Interest Margin to 2.50%

    Balance Sheet Well Positioned to Benefit From Federal Reserve Rate Cuts

    HAUPPAUGE, N.Y., Oct. 22, 2024 (GLOBE NEWSWIRE) — Dime Community Bancshares, Inc. (NASDAQ: DCOM) (the “Company” or “Dime”), the parent company of Dime Community Bank (the “Bank”), today reported net income available to common stockholders of $11.5 million for the quarter ended September 30, 2024, or $0.29 per diluted common share, compared to $16.7 million, or $0.43 per diluted common share, for the quarter ended June 30, 2024, and $13.2 million, or $0.34 per diluted common share for the quarter ended September 30, 2023.

    Stuart H. Lubow, President and Chief Executive Officer (“CEO”) of the Company, stated, “Strong growth in low-cost core deposits drove a significant linked quarter expansion in the Net Interest Margin. Importantly, following the recent 50 basis point reduction in the Federal Funds rate, we lowered deposit costs and expect to benefit from these actions in the fourth quarter and beyond. Since the Federal Reserve rate cut in mid-September, the spread between the weighted average rate on loans and core deposits has improved by approximately 15 basis points. We anticipate the full quarter impact of this spread improvement to drive continued Net Interest Margin expansion in the fourth quarter.”

    Mr. Lubow commented, “During the third quarter, our Business loan portfolio increased by over $120 million and we continue to have strong pipelines in our Middle Market and Healthcare verticals. Compared to the prior quarter, the level of net charge-offs and criticized and classified loans remained stable and we continued to prudently build our allowance for credit losses to total loans and risk-based capital levels. In conclusion, I am extremely proud of our employees for their unwavering focus on our customers and enabling us to be the premier business bank on Greater Long Island.”

    Highlights for the Third Quarter of 2024 Included:

    • Total deposits increased $389 million compared to the second quarter of 2024;
    • Core deposits (excluding brokered and time deposits) increased $505 million compared to the second quarter of 2024;
    • The ratio of average non-interest-bearing deposits to average total deposits for the third quarter was 29% compared to 28% for the second quarter of 2024;
    • The cost of total deposits declined by 4 basis point versus the prior quarter;
    • The net interest margin increased to 2.50% for the third quarter of 2024 compared to 2.41% for the prior quarter;
    • The loan to deposit ratio declined to 95.4% at the end of the third quarter compared to 98.2% for the prior quarter;
    • Net charge-offs to average loans was 0.15% for the third quarter of 2024 compared to 0.14% for prior quarter;
    • The allowance for credit losses to total loans increased to 0.78% at the end of the third quarter compared to 0.72% for the prior quarter; and
    • The Company’s total risk based capital ratio increased to 14.76% at the end of the third quarter compared to 14.46% for the prior quarter.

    Management’s Discussion of Quarterly Operating Results

    Net Interest Income

    Net interest income for the third quarter of 2024 was $79.9 million compared to $75.5 million for the second quarter of 2024 and $76.5 million for the third quarter of 2023.

    The table below provides a reconciliation of the reported net interest margin (“NIM”) and adjusted NIM excluding the impact of purchase accounting accretion on the loan portfolio.

                         
    (Dollars in thousands)   Q3 2024   Q2 2024   Q3 2023  
    Net interest income   $ 79,924     $ 75,502     $ 76,479  
    Purchase accounting amortization (accretion) on loans (“PAA”)     (266 )     (101 )     186  
    Adjusted net interest income excluding PAA on loans (non-GAAP)   $ 79,658     $ 75,401     $ 76,665  
                         
    Average interest-earning assets   $ 12,734,246     $ 12,624,556     $ 12,984,061  
                         
    NIM (1)     2.50   %   2.41   %   2.34 %
    Adjusted NIM excluding PAA on loans (non-GAAP) (2)     2.49   %   2.40   %   2.34 %

    (1) NIM represents net interest income divided by average interest-earning assets.
    (2) Adjusted NIM excluding PAA on loans represents adjusted net interest income, which excludes PAA amortization on acquired loans divided by average interest-earning assets.

    During the quarter ended June 30, 2024, there was a recovery of interest income from a loan that was previously on non-accrual status in the amount of $1.3 million. Excluding the impact of this item, the second quarter NIM was 2.37%.

    Loan Portfolio

    The ending WAR on the total loan portfolio was 5.40% at September 30, 2024, a 1 basis point increase compared to the ending WAR of 5.39% on the total loan portfolio at June 30, 2024.

    Outlined below are loan balances and WARs for the quarter ended as indicated.

                                     
        September 30, 2024   June 30, 2024   September 30, 2023  
    (Dollars in thousands)      Balance      WAR (1)      Balance      WAR (1)      Balance      WAR (1)  
    Loans held for investment balances at period end:                                
    Business loans (2)   $ 2,653,624   6.82 % $ 2,530,896   6.92 % $ 2,271,768   6.72 %
    One-to-four family residential, including condominium and cooperative apartment     934,209   4.65     906,949   4.55     892,869   4.39  
    Multifamily residential and residential mixed-use (3)(4)     3,866,931   4.60     3,920,354   4.59     4,102,024   4.45  
    Non-owner-occupied commercial real estate     3,281,923   5.25     3,315,100   5.25     3,374,281   5.09  
    Acquisition, development, and construction     149,299   8.46     144,860   8.96     203,402   8.92  
    Other loans     6,058   10.71     6,699   3.39     6,267   6.28  
    Loans held for investment   $ 10,892,044   5.40 % $ 10,824,858   5.39 % $ 10,850,611   5.20 %

    (1) WAR is calculated by aggregating interest based on the current loan rate from each loan in the category, adjusted for non-accrual loans, divided by the total balance of loans in the category.
    (2) Business loans include commercial and industrial loans and owner-occupied commercial real estate loans.
    (3) Includes loans underlying multifamily cooperatives.
    (4) While the loans within this category are often considered “commercial real estate” in nature, multifamily and loans underlying cooperatives are reported separately from commercial real estate loans in order to emphasize the residential nature of the collateral underlying this significant component of the total loan portfolio.

    Outlined below are the loan originations, for the quarter ended as indicated.

                       
    (Dollars in millions)   Q3 2024   Q2 2024   Q3 2023
    Loan originations   $ 122.7   $ 162.4   $ 153.4


    Deposits and Borrowed Funds

    Period end total deposits (including mortgage escrow deposits) at September 30, 2024 were $11.42 billion, compared to $11.03 billion at June 30, 2024 and $10.53 billion at December 31, 2023.

    Total Federal Home Loan Bank advances were $508.0 million at September 30, 2024 compared to $633.0 million at June 30, 2024 and $1.31 billion at December 31, 2023.

    Mr. Lubow commented, “During the third quarter of 2024, we continued our strategy of utilizing core deposit growth to reduce our wholesale funding position.”

    Non-Interest Income

    Non-interest income was $7.6 million during the third quarter of 2024, $11.8 million during the second quarter of 2024, and $7.9 million during the third quarter of 2023. Included in non-interest income for the second quarter of 2024, was income related to the sale of premises of approximately $3.7 million.

    Non-Interest Expense

    Total non-interest expense was $57.7 million during the third quarter of 2024, $55.7 million during the second quarter of 2024, and $59.5 million during the third quarter of 2023. Excluding the impact of the loss on extinguishment of debt, amortization of other intangible assets and severance expense, adjusted non-interest expense was $57.4 million during the third quarter of 2024, $55.4 million during the second quarter of 2024, and $50.6 million during the third quarter of 2023 (see “Non-GAAP Reconciliation” tables at the end of this news release).

    Mr. Lubow commented, “As we have communicated previously, the increase in non-interest expense has been due to the significant investments and hires in the Private and Commercial Bank and the Middle Market C&I Lending operations. Third quarter results reflected a fully-loaded run-rate for these initiatives and we expect to keep our expense base relatively flat in the fourth quarter of 2024.”

    The ratio of non-interest expense to average assets was 1.71% during the third quarter of 2024, compared to 1.66% during the linked quarter and 1.73% for the third quarter of 2023. Excluding the impact of the loss on extinguishment of debt, amortization of other intangible assets and severance expense, the ratio of adjusted non-interest expense to average assets was 1.70% during the third quarter of 2024, compared to 1.65% during the linked quarter and 1.48% for the third quarter of 2023 (see “Non-GAAP Reconciliation” tables at the end of this news release).

    The efficiency ratio was 65.9% during the third quarter of 2024, compared to 63.8% during the linked quarter and 70.5% during the third quarter of 2023. Excluding the impact of net (gain) loss on sale of securities and other assets, fair value change in equity securities and loans held for sale, severance expense, loss on extinguishment of debt and amortization of other intangible assets the adjusted efficiency ratio was 65.6% during the third quarter of 2024, compared to 65.9% during the linked quarter and 59.7% during the third quarter of 2023 (see “Non-GAAP Reconciliation” tables at the end of this news release).

    Income Tax Expense

    The reported effective tax rate for the third quarter of 2024 was 26.9% compared to 29.0% for the second quarter of 2024, and 35.1% for the third quarter of 2023.

    Credit Quality

    Non-performing loans were $49.5 million at September 30, 2024, compared to $24.8 million for the prior quarter.

    A credit loss provision of $11.6 million was recorded during the third quarter of 2024, compared to a credit loss provision of $5.6 million during the second quarter of 2024, and a credit loss provision of $1.8 million during the third quarter of 2023.

    Capital Management

    The Company’s and the Bank’s regulatory capital ratios continued to be in excess of all applicable regulatory requirements as of September 30, 2024. All risk-based regulatory capital ratios increased in the third quarter of 2024.

    Dividends per common share were $0.25 during the third and second quarters of 2024, respectively.

    Book value per common share was $29.31 at September 30, 2024 compared to $28.97 at June 30, 2024.

    Tangible common book value per share (which represents common equity less goodwill and other intangible assets, divided by the number of shares outstanding) was $25.22 at September 30, 2024 compared to $24.87 at June 30, 2024 (see “Non-GAAP Reconciliation” tables at the end of this news release).

    Earnings Call Information

    The Company will conduct a conference call at 9:00 a.m. (ET) on Tuesday, October 22, 2024, during which CEO Lubow will discuss the Company’s third quarter 2024 financial performance, with a question-and-answer session to follow.

    Participants may access the conference call via webcast using this link: https://edge.media-server.com/mmc/p/hfnjf6ym. To participate via telephone, please register in advance using this link: https://register.vevent.com/register/BI017781a02def49c0ad228b72ba201600. Upon registration, all telephone participants will receive a one-time confirmation email detailing how to join the conference call, including the dial-in number along with a unique PIN that can be used to access the call. All participants are encouraged to dial-in 10 minutes prior to the start time.

    A replay of the conference call and webcast will be available on-demand for 12 months at https://edge.media-server.com/mmc/p/hfnjf6ym.

    ABOUT DIME COMMUNITY BANCSHARES, INC.
    Dime Community Bancshares, Inc. is the holding company for Dime Community Bank, a New York State-chartered trust company with over $13.7 billion in assets and the number one deposit market share among community banks on Greater Long Island(1).

    (1) Aggregate deposit market share for Kings, Queens, Nassau & Suffolk counties for community banks with less than $20 billion in assets.

    This news release contains a number of forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended and Section 21E of the Securities Exchange Act of 1934, as amended (the “Exchange Act”). These statements may be identified by use of words such as “annualized,” “anticipate,” “believe,” “continue,” “could,” “estimate,” “expect,” “intend,” “likely,” “may,” “outlook,” “plan,” “potential,” “predict,” “project,” “should,” “will,” “would” and similar terms and phrases, including references to assumptions.

    Forward-looking statements are based upon various assumptions and analyses made by the Company in light of management’s experience and its perception of historical trends, current conditions and expected future developments, as well as other factors it believes are appropriate under the circumstances. These statements are not guarantees of future performance and are subject to risks, uncertainties and other factors (many of which are beyond the Company’s control) that could cause actual results to differ materially from future results expressed or implied by such forward-looking statements. Accordingly, you should not place undue reliance on such statements. Factors that could affect our results include, without limitation, the following: the timing and occurrence or non-occurrence of events may be subject to circumstances beyond the Company’s control; there may be increases in competitive pressure among financial institutions or from non-financial institutions; changes in the interest rate environment may affect demand for our products and reduce interest margins and the value of our investments; changes in deposit flows, the cost of funds, loan demand or real estate values may adversely affect the business of the Company; changes in the quality and composition of the Company’s loan or investment portfolios or unanticipated or significant increases in loan losses may negatively affect the Company’s financial condition or results of operations; changes in accounting principles, policies or guidelines may cause the Company’s financial condition to be perceived differently; changes in corporate and/or individual income tax laws may adversely affect the Company’s financial condition or results of operations; general socio-economic conditions, public health emergencies, international conflict, inflation, and recessionary pressures, either nationally or locally in some or all areas in which the Company conducts business, or conditions in the securities markets or the banking industry may be less favorable than the Company currently anticipates and may adversely affect our customers, our financial results and our operations; legislation or regulatory changes may adversely affect the Company’s business; technological changes may be more difficult or expensive than the Company anticipates; there may be failures or breaches of information technology security systems; success or consummation of new business initiatives may be more difficult or expensive than the Company anticipates; there may be difficulties or unanticipated expense incurred in the consummation of new business initiatives or the integration of any acquired entities; and litigation or other matters before regulatory agencies, whether currently existing or commencing in the future, may delay the occurrence or non-occurrence of events longer than the Company anticipates. For discussion of these and other risks that may cause actual results to differ from expectations, please refer to the sections entitled “Forward-Looking Statements” and “Risk Factors” in the Company’s most recent Annual Report on Form 10-K and updates set forth in the Company’s subsequent Quarterly Reports on Form 10-Q and Current Reports on Form 8-K.

    Contact: Avinash Reddy  
    Senior Executive Vice President – Chief Financial Officer  
    718-782-6200 extension 5909  
    DIME COMMUNITY BANCSHARES, INC. AND SUBSIDIARIES
    UNAUDITED CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION
    (In thousands)
                       
        September 30,    June 30,    December 31, 
        2024
      2024
      2023
    Assets:                    
    Cash and due from banks   $ 626,056     $ 413,983     $ 457,547  
    Securities available-for-sale, at fair value     774,608       819,222       886,240  
    Securities held-to-maturity     592,414       588,000       594,639  
    Loans held for sale     13,098       14,766       10,159  
    Loans held for investment, net:                  
    Business loans (1)     2,653,624       2,530,896       2,310,379  
    One-to-four family and cooperative/condominium apartment     934,209       906,949       889,236  
    Multifamily residential and residential mixed-use (2)(3)     3,866,931       3,920,354       4,017,703  
    Non-owner-occupied commercial real estate     3,281,923       3,315,100       3,381,842  
    Acquisition, development and construction     149,299       144,860       168,513  
    Other loans     6,058       6,699       5,755  
    Allowance for credit losses     (85,221 )     (77,812 )     (71,743 )
    Total loans held for investment, net     10,806,823       10,747,046       10,701,685  
    Premises and fixed assets, net     35,066       36,054       44,868  
    Premises held for sale     —       —       905  
    Restricted stock     64,235       68,445       98,750  
    Bank Owned Life Insurance (“BOLI”)     372,367       354,761       349,816  
    Goodwill     155,797       155,797       155,797  
    Other intangible assets     4,181       4,467       5,059  
    Operating lease assets     48,537       51,703       52,729  
    Derivative assets     105,636       134,489       122,132  
    Accrued interest receivable     54,578       55,588       55,666  
    Other assets     93,133       104,442       100,013  
    Total assets   $ 13,746,529     $ 13,548,763     $ 13,636,005  
    Liabilities:                   
    Non-interest-bearing checking (excluding mortgage escrow deposits)   $ 3,231,160     $ 3,012,481     $ 2,884,378  
    Interest-bearing checking     938,070       633,721       515,987  
    Savings (excluding mortgage escrow deposits)     1,845,266       2,340,222       2,335,354  
    Money market     3,898,509       3,607,090       3,125,996  
    Certificates of deposit     1,416,467       1,382,271       1,607,683  
    Deposits (excluding mortgage escrow deposits)     11,329,472       10,975,785       10,469,398  
    Non-interest-bearing mortgage escrow deposits     87,841       52,647       61,121  
    Interest-bearing mortgage escrow deposits     5       2       136  
    Total mortgage escrow deposits     87,846       52,649       61,257  
    FHLBNY advances     508,000       633,000       1,313,000  
    Subordinated debt, net     272,300       262,814       200,196  
    Derivative cash collateral     68,960       130,090       108,100  
    Operating lease liabilities     51,362       54,530       55,454  
    Derivative liabilities     98,108       122,567       121,265  
    Other liabilities     66,552       66,732       81,110  
    Total liabilities     12,482,600       12,298,167       12,409,780  
    Stockholders’ equity:                   
    Preferred stock, Series A     116,569       116,569       116,569  
    Common stock     416       416       416  
    Additional paid-in capital     488,607       488,760       494,454  
    Retained earnings     827,690       826,080       813,007  
    Accumulated other comprehensive loss (“AOCI”), net of deferred taxes     (72,970 )     (82,780 )     (91,579 )
    Unearned equity awards     (10,111 )     (12,023 )     (8,622 )
    Treasury stock, at cost     (86,272 )     (86,426 )     (98,020 )
    Total stockholders’ equity     1,263,929       1,250,596       1,226,225  
    Total liabilities and stockholders’ equity   $ 13,746,529     $ 13,548,763     $ 13,636,005  

    (1) Business loans include commercial and industrial loans, owner-occupied commercial real estate loans and Paycheck Protection Program (“PPP”) loans.
    (2) Includes loans underlying multifamily cooperatives.

    (3) While the loans within this category are often considered “commercial real estate” in nature, multifamily and loans underlying cooperatives are here reported separately from commercial real estate loans in order to emphasize the residential nature of the collateral underlying this significant component of the total loan portfolio.

    DIME COMMUNITY BANCSHARES, INC. AND SUBSIDIARIES
    UNAUDITED CONSOLIDATED STATEMENTS OF OPERATIONS
    (Dollars in thousands except share and per share amounts)
                                   
        Three Months Ended   Nine Months Ended
        September 30,    June 30,    September 30,    September 30,    September 30, 
        2024   2024
      2023
      2024
      2023
    Interest income:                               
    Loans   $ 151,828   $ 147,099     $ 142,995     $ 442,492     $ 409,744  
    Securities     7,766     7,907       7,916       23,553       24,261  
    Other short-term investments     4,645     4,412       6,930       18,621       16,599  
    Total interest income     164,239     159,418       157,841       484,666       450,604  
    Interest expense:                                
    Deposits and escrow     74,025     72,878       62,507       219,972       152,395  
    Borrowed funds     8,764     9,033       16,925       32,494       50,855  
    Derivative cash collateral     1,526     2,005       1,930       5,244       4,904  
    Total interest expense     84,315     83,916       81,362       257,710       208,154  
    Net interest income     79,924     75,502       76,479       226,956       242,450  
    Provision (recovery) for credit losses     11,603     5,585       1,806       22,398       (950 )
    Net interest income after provision (recovery)     68,321     69,917       74,673       204,558       243,400  
    Non-interest income:                                
    Service charges and other fees     4,267     3,972       3,963       12,783       12,633  
    Title fees     190     294       291       617       829  
    Loan level derivative income     132     1,085       783       1,623       6,353  
    BOLI income     2,606     2,484       2,317       7,551       7,332  
    Gain on sale of Small Business Administration (“SBA”) loans     19     113       335       385       1,061  
    Gain on sale of residential loans     38     27       21       142       103  
    Fair value change in equity securities and loans held for sale     39     (416 )     (299 )     (1,219 )     (1,079 )
    Net loss on sale of securities     —     —       —       —       (1,447 )
    Gain (loss) on sale of other assets     2     3,695       (22 )     6,665       (22 )
    Other     338     554       539       1,359       1,571  
    Total non-interest income     7,631     11,808       7,928       29,906       27,334  
    Non-interest expense:                                
    Salaries and employee benefits     36,132     32,184       30,520       100,353       87,054  
    Severance     —     —       8,562       42       9,068  
    Occupancy and equipment     7,448     7,409       7,277       22,225       21,794  
    Data processing costs     4,544     4,405       4,309       13,262       12,744  
    Marketing     1,629     1,637       2,079       4,763       5,016  
    Professional services     2,036     2,766       1,277       6,269       4,876  
    Federal deposit insurance premiums     2,105     2,250       1,866       6,594       5,613  
    Loss on extinguishment of debt     1     —       —       454       —  
    Amortization of other intangible assets     286     285       349       878       1,075  
    Other     3,548     4,758       3,284       11,094       11,944  
    Total non-interest expense     57,729     55,694       59,523       165,934       159,184  
    Income before taxes     18,223     26,031       23,078       68,530       111,550  
    Income tax expense     4,896     7,552       8,093       19,033       31,764  
    Net income     13,327     18,479       14,985       49,497       79,786  
    Preferred stock dividends     1,822     1,822       1,822       5,465       5,465  
    Net income available to common stockholders   $ 11,505   $ 16,657     $ 13,163     $ 44,032     $ 74,321  
    Earnings per common share (“EPS”):                                
    Basic   $ 0.29   $ 0.43     $ 0.34     $ 1.13     $ 1.92  
    Diluted   $ 0.29   $ 0.43     $ 0.34     $ 1.13     $ 1.92  
                                   
    Average common shares outstanding for diluted EPS     38,366,619     38,329,485       38,203,961       38,317,223       38,177,704  
    DIME COMMUNITY BANCSHARES, INC. AND SUBSIDIARIES
    UNAUDITED SELECTED FINANCIAL HIGHLIGHTS
    (Dollars in thousands except per share amounts)
                                             
        At or For the Three Months Ended   At or For the Nine Months Ended  
        September 30,      June 30,      September 30,    September 30,      September 30,   
        2024     2024     2023   2024     2023  
    Per Share Data:                                        
    Reported EPS (Diluted)   $ 0.29     $ 0.43     $ 0.34     $ 1.13     $ 1.92  
    Cash dividends paid per common share     0.25       0.25       0.25       0.75       0.74  
    Book value per common share     29.31       28.97       28.03       29.31       28.03  
    Tangible common book value per share (1)     25.22       24.87       23.87       25.22       23.87  
    Common shares outstanding     39,152       39,148       38,811       39,152       38,811  
    Dividend payout ratio     86.21 %       58.14 %     73.53 %     66.37 %     38.54 %
                                             
    Performance Ratios (Based upon Reported Net Income):                                         
    Return on average assets     0.39 %       0.55 %     0.44 %     0.49 %     0.78 %
    Return on average equity     4.19       5.88       4.91       5.24       8.78  
    Return on average tangible common equity (1)     4.70       6.88       5.69       6.06       10.73  
    Net interest margin     2.50       2.41       2.34       2.37       2.52  
    Non-interest expense to average assets     1.71       1.66       1.73       1.63       1.56  
    Efficiency ratio     65.9       63.8       70.5       64.6       59.0  
    Effective tax rate     26.87       29.01       35.07       27.77       28.48  
                                             
    Balance Sheet Data:                                         
    Average assets   $ 13,502,753     $ 13,418,441     $ 13,759,493     $ 13,571,710     $ 13,623,570  
    Average interest-earning assets     12,734,246       12,624,556       12,984,061       12,791,233       12,853,701  
    Average tangible common equity (1)     996,578       979,611       943,805       981,614       933,072  
    Loan-to-deposit ratio at end of period (2)     95.4       98.2       102.0       95.4       102.0  
                                             
    Capital Ratios and Reserves – Consolidated: (3)                                         
    Tangible common equity to tangible assets (1)     7.27 %       7.27 %     6.87 %                
    Tangible equity to tangible assets (1)     8.13       8.14       7.73                  
    Tier 1 common equity ratio     10.16       10.06       9.67                  
    Tier 1 risk-based capital ratio     11.28       11.17       10.76                  
    Total risk-based capital ratio     14.76       14.46       13.33                  
    Tier 1 leverage ratio     8.76       8.78       8.38                  
    Consolidated CRE concentration ratio (4)     487       499       547                  
    Allowance for credit losses/ Total loans     0.78       0.72       0.67                  
    Allowance for credit losses/ Non-performing loans     172.29       313.21       311.16                  

    (1) See “Non-GAAP Reconciliation” tables for reconciliation of tangible equity, tangible common equity, and tangible assets.
    (2) Total deposits include mortgage escrow deposits, which fluctuate seasonally.
    (3) September 30, 2024 ratios are preliminary pending completion and filing of the Company’s regulatory reports.

    (4) The Consolidated CRE concentration ratio is calculated using the sum of commercial real estate, excluding owner-occupied commercial real estate, multifamily, and acquisition, development, and construction, divided by consolidated capital. The September 30, 2024 ratio is preliminary pending completion and filing of the Company’s regulatory reports.

    DIME COMMUNITY BANCSHARES, INC. AND SUBSIDIARIES
    UNAUDITED AVERAGE BALANCES AND NET INTEREST INCOME
    (Dollars in thousands)
                                                       
        Three Months Ended  
        September 30, 2024   June 30, 2024   September 30, 2023  
                    Average               Average               Average  
        Average         Yield/   Average         Yield/   Average         Yield/  
        Balance   Interest   Cost   Balance   Interest   Cost   Balance   Interest   Cost  
    Assets:                                                     
    Interest-earning assets:                                                     
    Business loans (1)   $ 2,609,934   $ 46,656   7.11 %   $ 2,400,219   $ 42,933   7.19 % $ 2,260,203   $ 38,384   6.74 %
    One-to-four family residential, including condo and coop     924,150     11,024   4.75     886,037     9,968   4.52     879,688     9,165   4.13  
    Multifamily residential and residential mixed-use     3,902,220     45,790   4.67     3,958,617     45,775   4.65     4,114,476     46,099   4.45  
    Non-owner-occupied commercial real estate     3,297,760     44,804   5.40     3,359,004     44,728   5.36     3,382,927     44,184   5.18  
    Acquisition, development, and construction     147,875     3,505   9.43     164,283     3,638   8.91     222,039     5,075   9.07  
    Other loans     4,891     49   3.99     5,100     57   4.50     6,156     88   5.67  
    Securities     1,493,492     7,766   2.07     1,537,487     7,907   2.07     1,619,960     7,916   1.94  
    Other short-term investments     353,924     4,645   5.22     313,809     4,412   5.65     498,612     6,930   5.51  
    Total interest-earning assets     12,734,246     164,239   5.13 %     12,624,556     159,418   5.08 %   12,984,061     157,841   4.82 %
    Non-interest-earning assets     768,507                 793,885               775,432            
    Total assets   $ 13,502,753               $ 13,418,441             $ 13,759,493            
                                                       
    Liabilities and Stockholders’ Equity:                                                  
    Interest-bearing liabilities:                                                  
    Interest-bearing checking (2)   $ 798,024   $ 4,635   2.31 %   $ 631,403   $ 1,499   0.95 % $ 786,892   $ 2,896   1.46 %
    Money market     3,771,562     36,841   3.89     3,495,989     33,193   3.82     2,975,267     24,275   3.24  
    Savings (2)     2,102,282     19,492   3.69     2,336,202     23,109   3.98     2,342,424     20,316   3.44  
    Certificates of deposit     1,232,984     13,057   4.21     1,393,678     15,077   4.35     1,494,491     15,020   3.99  
    Total interest-bearing deposits     7,904,852     74,025   3.73     7,857,272     72,878   3.73     7,599,074     62,507   3.26  
    FHLBNY advances     528,652     4,455   3.35     671,242     6,429   3.85     1,250,717     14,370   4.56  
    Subordinated debt, net     271,450     4,307   6.31     202,232     2,604   5.18     200,232     2,553   5.06  
    Other short-term borrowings     131     2   6.07     —     —   —     120     2   6.61  
    Total borrowings     800,233     8,764   4.36     873,474     9,033   4.16     1,451,069     16,925   4.63  
    Derivative cash collateral     91,305     1,526   6.65     145,702     2,005   5.53     156,795     1,930   4.88  
    Total interest-bearing liabilities     8,796,390     84,315   3.81 %     8,876,448     83,916   3.80 %   9,206,938     81,362   3.51 %
    Non-interest-bearing checking (2)     3,209,502                 3,042,382               3,065,186            
    Other non-interest-bearing liabilities     223,546                 242,980               265,559            
    Total liabilities     12,229,438                 12,161,810               12,537,683            
    Stockholders’ equity     1,273,315                 1,256,631               1,221,810            
    Total liabilities and stockholders’ equity   $ 13,502,753               $ 13,418,441             $ 13,759,493            
    Net interest income          $ 79,924              $ 75,502             $ 76,479      
    Net interest rate spread                 1.32 %               1.28 %             1.31 %
    Net interest margin                 2.50 %               2.41 %               2.34 %
    Deposits (including non-interest-bearing checking accounts) (2)   $ 11,114,354   $ 74,025   2.65 %   $ 10,899,654   $ 72,878   2.69 % $ 10,664,260   $ 62,507   2.33 %

    (1) Business loans include commercial and industrial loans, owner-occupied commercial real estate loans and PPP loans.
    (2) Includes mortgage escrow deposits.

    DIME COMMUNITY BANCSHARES, INC. AND SUBSIDIARIES
    UNAUDITED SCHEDULE OF NON-PERFORMING ASSETS
    (Dollars in thousands)
                       
        At or For the Three Months Ended
        September 30,    June 30,    September 30, 
    Asset Quality Detail   2024
      2024
      2023
    Non-performing loans (“NPLs”)                   
    Business loans (1)   $ 25,411     $ 20,287     $ 19,555  
    One-to-four family residential, including condominium and cooperative apartment     3,880       3,884       2,874  
    Multifamily residential and residential mixed-use     —       —       —  
    Non-owner-occupied commercial real estate     19,509       15       15  
    Acquisition, development, and construction     657       657       657  
    Other loans     6       —       219  
    Total Non-accrual loans   $ 49,463     $ 24,843     $ 23,320  
    Total Non-performing assets (“NPAs”)   $ 49,463     $ 24,843     $ 23,320  
                       
    Total loans 90 days delinquent and accruing (“90+ Delinquent”)   $ —     $ —     $ —  
                       
    NPAs and 90+ Delinquent   $ 49,463     $ 24,843     $ 23,320  
                       
    NPAs and 90+ Delinquent / Total assets     0.36 %     0.18 %     0.17 %
    Net charge-offs (“NCOs”)   $ 4,199     $ 3,640     $ 4,864  
    NCOs / Average loans (2)     0.15 %     0.14 %     0.18 %

    (1) Business loans include commercial and industrial loans, owner-occupied commercial real estate loans and PPP loans.
    (2) Calculated based on annualized NCOs to average loans, excluding loans held for sale.

                         

    DIME COMMUNITY BANCSHARES, INC. AND SUBSIDIARIES
    NON-GAAP RECONCILIATION
    (Dollars in thousands except per share amounts)

    The following tables below provide a reconciliation of certain financial measures calculated under generally accepted accounting principles (“GAAP”) (as reported) and non-GAAP measures. A non-GAAP financial measure is a numerical measure of historical or future financial performance, financial position or cash flows that excludes or includes amounts that are required to be disclosed in the most directly comparable measure calculated and presented in accordance with GAAP in the United States. The Company’s management believes the presentation of non-GAAP financial measures provides investors with a greater understanding of the Company’s operating results in addition to the results measured in accordance with GAAP. While management uses these non-GAAP measures in its analysis of the Company’s performance, this information should not be viewed as a substitute for financial results determined in accordance with GAAP or considered to be more important than financial results determined in accordance with GAAP.

    The following non-GAAP financial measures exclude pre-tax income and expenses associated with the fair value change in equity securities and loans held for sale, net (gain) loss on sale of securities and other assets, severance, the FDIC special assessment and loss on extinguishment of debt:  

                                     
        Three Months Ended   Nine Months Ended  
        September 30,    June 30,       September 30,    September 30,    September 30,   
        2024
      2024
      2023
      2024
      2023
     
    Reconciliation of Reported and Adjusted (non-GAAP) Net Income Available to Common Stockholders                                
    Reported net income available to common stockholders   $ 11,505     $ 16,657     $ 13,163     $ 44,032     $ 74,321    
    Adjustments to net income (1):                                 
    Fair value change in equity securities and loans held for sale     (39 )     416       299       1,219       1,079    
    Net (gain) loss on sale of securities and other assets     (2 )     (3,695 )     22       (6,665 )     1,469    
    Severance     —       —       8,562       42       9,068    
    Loss on extinguishment of debt     1       —       —       454       —    
    Income tax effect of adjustments     13       1,043       (176 )     1,574       (985 )  
    Adjusted net income available to common stockholders (non-GAAP)   $ 11,478     $ 14,421     $ 21,870     $ 40,656     $ 84,952    
                                     
    Adjusted Ratios (Based upon Adjusted (non-GAAP) Net Income as calculated above)                                
    Adjusted EPS (Diluted)   $ 0.29     $ 0.37     $ 0.56     $ 1.04     $ 2.19    
    Adjusted return on average assets     0.39   %     0.48   %   0.69   %   0.45   %   0.88   %
    Adjusted return on average equity     4.18       5.17       7.76       4.89       9.95    
    Adjusted return on average tangible common equity     4.69       5.97       9.38       5.60       12.25    
    Adjusted non-interest expense to average assets     1.70       1.65       1.48       1.62       1.46    
    Adjusted efficiency ratio     65.6       65.9       59.7       65.5       54.7    

    (1) Adjustments to net income are taxed at the Company’s approximate statutory tax rate.

    The following table presents a reconciliation of operating expense as a percentage of average assets (as reported) and adjusted operating expense as a percentage of average assets (non-GAAP):

                                   
        Three Months Ended     Nine Months Ended
           September 30,      June 30,      September 30,      September 30,         September 30,   
        2024       2024       2023       2024       2023    
    Operating expense as a % of average assets – as reported   1.71   %     1.66   %   1.73   %   1.63   %     1.56   %
    Loss on extinguishment of debt   —       —       —       —       —    
    Severance   —       —       (0.25 )     —       (0.09 )  
    Amortization of other intangible assets   (0.01 )     (0.01 )     —       (0.01 )     (0.01 )  
    Adjusted operating expense as a % of average assets (non-GAAP)   1.70   %     1.65   %   1.48   %   1.62   %   1.46   %

    The following table presents a reconciliation of efficiency ratio (non-GAAP) and adjusted efficiency ratio (non-GAAP):

                                     
        Three Months Ended   Nine Months Ended  
           September 30,       June 30,       September 30,       September 30,    September 30,   
        2024
      2024
      2023
      2024
      2023
     
    Efficiency ratio – as reported (non-GAAP) (1)        65.9   %     63.8   %   70.5   %   64.6   %     59.0   %
    Non-interest expense – as reported   $ 57,729     $ 55,694     $ 59,523     $ 165,934     $ 159,184    
    Severance     —       —       (8,562 )     (42 )     (9,068 )  
    Loss on extinguishment of debt     (1 )     —       —       (454 )     —    
    Amortization of other intangible assets     (286 )     (285 )     (349 )     (878 )     (1,075 )  
    Adjusted non-interest expense (non-GAAP)   $ 57,442     $ 55,409     $ 50,612     $ 164,560     $ 149,041    
    Net interest income – as reported   $ 79,924     $ 75,502     $ 76,479     $ 226,956     $ 242,450    
    Non-interest income – as reported   $ 7,631     $ 11,808     $ 7,928     $ 29,906     $ 27,334    
    Fair value change in equity securities and loans held for sale     (39 )     416       299       1,219       1,079    
    Net (gain) loss on sale of securities and other assets     (2 )     (3,695 )     22       (6,665 )     1,469    
    Adjusted non-interest income (non-GAAP)   $ 7,590     $ 8,529     $ 8,249     $ 24,460     $ 29,882    
    Adjusted total revenues for adjusted efficiency ratio (non-GAAP)   $ 87,514     $ 84,031     $ 84,728     $ 251,416     $ 272,332    
    Adjusted efficiency ratio (non-GAAP) (2)     65.6   %     65.9   %   59.7   %   65.5   %     54.7   %

    (1) The reported efficiency ratio is a non-GAAP measure calculated by dividing GAAP non-interest expense by the sum of GAAP net interest income and GAAP non-interest income.
    (2) The adjusted efficiency ratio is a non-GAAP measure calculated by dividing adjusted non-interest expense by the sum of GAAP net interest income and adjusted non-interest income.

    The following table presents the tangible common equity to tangible assets, tangible equity to tangible assets, and tangible common book value per share calculations (non-GAAP):

                         
           September 30,       June 30,       September 30,   
        2024
      2024
      2023
     
    Reconciliation of Tangible Assets:                    
    Total assets   $ 13,746,529     $ 13,548,763     $ 13,651,405    
    Goodwill     (155,797 )     (155,797 )     (155,797 )  
    Other intangible assets     (4,181 )     (4,467 )     (5,409 )  
    Tangible assets (non-GAAP)   $ 13,586,551     $ 13,388,499     $ 13,490,199    
                         
    Reconciliation of Tangible Common Equity – Consolidated:                    
    Total stockholders’ equity   $ 1,263,929     $ 1,250,596     $ 1,204,344    
    Goodwill     (155,797 )     (155,797 )     (155,797 )  
    Other intangible assets     (4,181 )     (4,467 )     (5,409 )  
    Tangible equity (non-GAAP)     1,103,951       1,090,332       1,043,138    
    Preferred stock, net     (116,569 )     (116,569 )     (116,569 )  
    Tangible common equity (non-GAAP)   $ 987,382     $ 973,763     $ 926,569    
                         
    Common shares outstanding     39,152       39,148       38,811    
                         
    Tangible common equity to tangible assets (non-GAAP)     7.27   %   7.27   %   6.87   %
    Tangible equity to tangible assets (non-GAAP)     8.13       8.14       7.73    
                         
    Book value per common share   $ 29.31     $ 28.97     $ 28.03    
    Tangible common book value per share (non-GAAP)     25.22       24.87       23.87    

    The MIL Network –

    January 24, 2025
  • MIL-OSI New Zealand: Health – New Zealand should heed UK concerns with physician associates, invest in growing workforce

    Source: General Practice Owners Association of Aotearoa New Zealand

    New Zealand should heed British concerns with physician associates and invest in growing the number of GPs, rather than spending time and money writing regulations to create a lesser role.

    “It’s telling that the British Medical Association (BMA) committee voted in favour of stopping hiring physician associates in general practice, and for existing roles to be phased out,” said Dr Angus Chambers, Chair of General Practice Owners Association of Aotearoa New Zealand.

    The British vote came on the same day that New Zealand doctors, nurses, practice owners and their professional bodies called on the government to pause regulation of physician associates to fill workplace shortages.

    “Similar concerns are being aired in Britain and New Zealand because physician associates are a distraction from focussing on the root problems in our primary health system – underfunding, which results in under resourcing due to insufficient retention and recruitment.

    That’s why GPs are retiring, general practices are closing, reducing their services, and exiting after-hours care. And that’s why patients are waiting weeks for appointments, can’t enrol with their local GP, and hospital emergency departments have long wait times.

    “Writing regulations to support the establishment of physician associates is a political diversion from tacking these fundamental problems.

    “GenPro doesn’t want to criticise the work of physician associates, many of whom contribute to general practice patient care, but is frustrated by the government’s willingness to support PA regulations when it is doing nothing to help fix the broken funding model impacting patient care in our communities.

    “GenPro supports a multi-disciplinary approach to patient care and recognises the crucial roles that different staff perform. This is not about job patch protection as some claim, but we are concerned at the government choosing to invest now in this nascent workforce, rather than in GPs, which are in crisis.

    “This short-term approach appeals because it gives the appearance of driving down costs, but is instead a diversion from the importance of supporting general practices, which contribute more in the long term through, for example, reducing demands on hospitals.
     
    “The government should focus on properly funding general practice so we can rebuild our depleted and over-stretched work force, rather than wasting time and money on regulating a new profession when there is a fit-for-purpose existing solution.

    “The government must as a matter of urgency increase its support of primary healthcare, overhaul the current out-of-date funding model, and help increase the supply of medical professionals into primary healthcare,” said Dr Chambers.

    GenPro, which represents about half of all general practices in Aotearoa, is ready to work with the Minister of Health and the Health NZ Commissioner to develop the solutions needed.

    MIL OSI New Zealand News –

    January 24, 2025
  • MIL-OSI United Nations: Renault Group takes a stand alongside the United Nations Special Envoy for Road Safety to make mobility safer

    Source: United Nations Economic Commission for Europe

    Renault Group and the United Nations, via the UN Economic Commission for Europe (UNECE), have entered into a two-year strategic partnership agreement to support the work of the UN Secretary-General’s Special Envoy for Road Safety, Jean Todt. 

    With this partnership, Renault Group has become the first automobile manufacturer to take a stand alongside the Special Envoy’s Secretariat and is stepping up its long-standing commitment to increasingly safe and accessible mobility in all its markets. 

    The partners will take action together to promote road safety by providing training, raising awareness and deploying innovation, with a view to benefiting everyone on roads.  

    Boulogne-Billancourt (France) and Geneva (Switzerland) – Renault Group and the Secretariat of the UN Secretary-General’s Special Envoy for Road Safety announce today a partnership to draw attention to road safety around the world, provide training and deploy technological breakthroughs to save lives. By supporting the UN’s endeavour, Renault Group is reasserting its determination to work towards ever safer and more accessible mobility benefiting everyone on roads. During this two-year partnership, Renault Group will share with the Special Envoy the expertise it has gathered through its long-standing commitment to road safety.  

    Renault Group’s commitment supports the UN’s aim to halve the number of global deaths and injuries from road traffic crashes.  

    “For Renault, taking safety seriously doesn’t just mean ticking boxes. It means fulfilling our regulatory obligations but also pushing further, guided by what we believe in and our determination to make a difference. By coming up with solutions that make our cars even safer and by pushing innovation everywhere it makes sense. So we are pioneering technology, but also taking action that can potentially make mobility safer, while ranking the issue at the top of the agenda everywhere. That is why I feel very happy that we are supporting Jean Todt’s and the United Nations’ commitment to road safety” Luca de Meo, Chief Executive Officer of Renault Group 

    A major societal concern

    In a world where road crashes remain the leading killer of children and youth aged 5 to 29 years (WHO 2023), there is an urgent need for collective efforts to address this crisis and pave the way for safer roads. 

    “There were an estimated 1.19 million road traffic deaths in 2021. These new WHO figures give us a sense of the horror we have to deal with. This is why it is so urgent to join forces with partners such as Renault to put an end to the carnage and shine a light on this silent pandemic. Without the active involvement of all actors, including institutional and public sector partners, civil society and the private sector, including car manufacturers, we won’t achieve our objective of halving the number of victims on roads by 2030. I commend Renault Group for its leadership and commitment at our side in this battle.” Jean Todt, the UN Secretary-General’s Special Envoy for Road Safety. 

    Road safety facts and figures worldwide (World Health Organization, 2023) 

    • Only 7 countries (France, Greece, Hungary, Italy, Luxembourg, Portugal and Sweden) have applied the WHO’s legislative best practices relating to five risk factors: speeding, drinking and driving, not wearing seat belts, not wearing helmets, and not transporting children in child restraints 

    • Only 10 countries (Belarus, Brunei Darussalam, Denmark, Japan, Lithuania, Norway, Russian Federation, Trinidad and Tobago, United Arab Emirates and Venezuela) succeeded in reducing road traffic deaths by over 50% between 2010 and 2021.

    About Renault Group  

    Renault Group is at the forefront of reinventing mobility. Backed by its alliance with Nissan and Mitsubishi Motors, and its unique expertise in terms of electrification, Renault Group draws on the complementary nature of its four brands – Renault, Dacia, Alpine and Mobilize – to offer its customers sustainable and innovative mobility solutions. With operations in more than 130 countries, the Group sold 2.235 million vehicles in 2023. It employs nearly 105,000 people who embody its raison d’être on a daily basis, so that mobility brings us closer to one another. Ready to take up challenges on the road as well as in competition, the Group is committed to an ambitious and value-generating transformation. This is centred on the development of new technologies and services, and a new range of even more competitive, balanced and electrified vehicles. In line with environmental challenges, Renault Group’s ambition is to achieve carbon neutrality in Europe by 2040. 

    https://www.renaultgroup.com  

    About the UN and road safety  

    The United Nations has been promoting road safety since the late 1940s, when the first international agreements on the issue were signed. Following the “Decade of Action for Road Safety 2011-2020”, the UN General Assembly in August 2020 adopted a resolution on “Improving Road Safety”, that reconfirmed its commitment to halving the number of global traffic deaths and injuries and to providing access to safe, affordable, accessible, and sustainable transport systems for all by 2030. In October 2021, the World Health Organization and the United Nations Regional Commissions, in cooperation with partners in the United Nations Road Safety Collaboration and other stakeholders, developed the Global Plan for the Decade of Action for Road Safety 2021-2030, as a guiding document to support the implementation of the Decade of Action 2021–2030 and its objectives. 

    In July 2022, the road safety community met in New York City for the first ever High-Level Meeting on Improving Global Road Safety at the United Nations General Assembly, unanimously adopting a text titled: “Political declaration of the high-level meeting on improving global road safety”. 

    To galvanize intersectoral actions and raise the visibility of road safety, the UN Secretary-General, Ban Ki-moon, appointed in 2015 Jean Todt as his Special Envoy for Road Safety. He was reconfirmed in this role by António Guterres, in 2017 and in 2021. In 2018, Jean Todt contributed to the creation of the UN Road Safety Fund (UNRSF). In his role as UN Special Envoy, Mr. Todt contributes, among other things, to mobilize sustained political commitment to make road safety a priority; to advocate and raise awareness of UN legal instruments on road safety; to share established good practices in this area; to generate adequate funding through strategic partnerships between the public, private and non-governmental sectors. 

    Special Envoy brochure and Twitter account. 

    The secretariat of the UN Secretary-General’s Special Envoy for Road Safety is hosted in UNECE. UNECE is the custodian of the United Nations road safety legal instruments applicable worldwide, such as the Convention on Road Traffic, the Convention on Road Signs and Signals, and the 1958, 1997 and 1998 Vehicle Regulations Agreements. UNECE remains the only permanent intergovernmental forum in the United Nations that focuses on improving road safety. 

    MIL OSI United Nations News –

    January 24, 2025
  • MIL-OSI United Nations: UN’s MindCompanion Web and Mobile Application Provides Essential Mental Health Support to UN Peacekeepers

    Source: United Nations – Peacekeeping

    United Nations peacekeepers operate in some of the world’s most dangerous environments and are often tasked with protecting civilians against physical violence. Hence, they are often themselves exposed to atrocities, war crimes, and crimes against humanity. While the physical safety of peacekeepers is of the utmost importance, it is equally critical that their mental health is also taken care of.

    A survey by the Division of Healthcare Management, Occupational Safety, and Health in the United Nations Department of Operational Support (DHMOSH/DOS) revealed that nearly one-third of peacekeepers report disrupted sleep patterns while deployed.  Some may manifest with anxiety, sadness, and stress, and these may arise during service or even months or years after peacekeepers return home. While mental health challenges are universal, many countries lack the mechanisms needed to identify mental health issues and provide the necessary support. Cultural factors, particularly in military settings, often discourage personnel from reporting symptoms.  

    Recognizing the pressing need to address these challenges, the UN Security Council adopted Resolution 2668 in December 2022. This resolution calls for comprehensive mental health and psychosocial support for UN peacekeeping personnel. This resolution is a pivotal step toward transforming how mental health is addressed in peacekeeping operations, focusing on providing peacekeepers with tools and resources to manage stress and trauma. 

    Building a Mental Health Strategy for Peacekeepers

    In response to the resolution, DHMOSH/DOS has developed a Mental Health Strategy for uniformed personnel. This strategy focuses on prevention, protection, and promotion of mental health throughout all deployment phases. The aim is to raise awareness about mental health issues, train personnel on coping strategies, and create a supportive culture that encourages peacekeepers to seek help without fear of stigma. 

    Introducing the UN’s MindCompanion App

    A key component of this strategy is the development of the UN’s MindCompanion mental health app. Launched on 10 Oct 2024 the app is designed to help peacekeepers monitor their psychological well-being, access mental health resources, and seek help when necessary. It provides a confidential platform for peacekeepers to prioritise self-care and act before mental health issues worsen. This app will give peacekeepers 24/7 access to essential resources, information, and support. The app is designed to provide immediate mental health guidance and help users identify potential issues before they become severe.  

    Although it is tailored for peacekeepers’ mental health, the app is open to everyone. 

    With the support of Member States and the UN’s continued dedication to peacekeeper well-being, the UN’s MindCompanion app is a significant step toward ensuring that mental health care is accessible for those serving in some of the world’s most challenging environments. The Web App is available at  https://un-mindcompanion.un.org and the Mobile app is available for download on the Google Play Store and the Apple App Store.

    MIL OSI United Nations News –

    January 24, 2025
  • MIL-OSI USA News: A Proclamation on National School Lunch Week,  2024

    Source: The White House

         America’s children deserve every opportunity to live fulfilling and healthy lives, and nutritious meals are key components in building those lives.  During National School Lunch Week, we reaffirm that the health and well-being of our Nation’s children are a national priority.  We recommit to doing everything we can to end child hunger.  And we celebrate school nutrition professionals, who do the critical work of planning, preparing, and serving nutritious school meals to more than 30 million students each day.

          Healthy school lunches benefit our Nation’s students and their families.  Fueled by a good lunch, students can better focus in the classroom and be set up for success throughout the rest of their day.  Free and reduced-price school meals provide families with some breathing room.  And for families that live in areas where there are no grocery stores with healthy food options nearby, school meals can be a lifeline — offering children reliable, nutritious meals.

         My Administration is committed to putting a healthy school lunch within reach of all our Nation’s children, no matter their family’s income.  That is why we are giving more schools the option to make free school meals available to every student, and we published a final rule updating nutrition standards for school meals to improve children’s health.  For the first time since 1975, we modernized the Thrifty Food Plan, making a healthy diet more affordable for the millions of families with Supplemental Nutrition Assistance Program benefits.  These actions are a part of our national strategy to end hunger and reduce diet-related diseases by 2030.  That plan includes the goal of expanding access to healthy, free school meals to nine million more kids — working toward a future where every kid has access to one.  We also hosted the first White House Conference on Hunger, Nutrition, and Health in over 50 years.  Since then, we have galvanized over $10 billion in external commitments dedicated to ending hunger and reducing diet-related diseases in children and families across the country.  Furthermore, we are giving schools the resources they need to purchase food from local farmers and ranchers and cook meals from scratch — giving kids healthier options and powering our rural economy.

         My Administration is taking steps to ensure our Nation’s children and families do not go hungry and can afford healthy food.  This year my Administration launched SUN Bucks — also referred to as Summer Electronic Benefits Transfer — to provide families with money to buy groceries when school is out, reaching an estimated 21 million children.  My American Rescue Plan expanded the Child Tax Credit, slashing child poverty by nearly 50 percent and helping keep food on the table for millions of families during the pandemic.  I continue to call on the Congress to restore the enhanced Child Tax Credit to ensure families have the money they need to feed and care for their kids.

         During National School Lunch Week, we recognize how important school lunches are to kids and families alike and recommit to expanding access to healthy, free school meals to support the health of the next generation.  And we thank all the school staff, school nutrition professionals, educators, and school leaders, whose tireless work nourishes the future leaders of our Nation. 

         NOW, THEREFORE, I, JOSEPH R. BIDEN JR., President of the United States of America, by virtue of the authority vested in me by the Constitution and the laws of the United States, do hereby proclaim October 13 through October 19, 2024, as National School Lunch Week.  I call upon all Americans to recognize and commemorate all those who operate the National School Lunch Program with activities that raise awareness of the steadfast efforts in support of the health and well-being of our Nation’s children.

        IN WITNESS WHEREOF, I have hereunto set my hand this
    eleventh day of October, in the year of our Lord two thousand twenty-four, and of the Independence of the United States of America the two hundred and forty-ninth.

                            JOSEPH R. BIDEN JR.

    MIL OSI USA News –

    January 24, 2025
  • MIL-OSI USA News: FACT SHEET: Biden-⁠ Harris Administration Continues Recovery Efforts in North Carolina Following Hurricane  Helene

    Source: The White House

    Following Hurricane Helene’s devastating impacts across the Southeast and Appalachia, the Biden-Harris Administration continues its robust Federal efforts to help communities recover and rebuild. The storm heavily impacted North Carolina, where the Administration continues to surge resources and assist families, business owners, farmers, and other impacted communities receive the support and assistance they need and deserve.

    Federal disaster assistance for Hurricane Helene survivors has surpassed $474 million – including more than $86 million in housing and other types of assistance for survivors in North Carolina. Survivors can register for assistance at one of three Disaster Recovery Centers in Caldwell, McDowell, and Buncombe Counties, or on disasterassistance.gov, by calling 1-800-621-3362, or via the FEMA app.

    The Department of Defense continues to support search-and-rescue operations, route clearance, and commodities distribution across western North Carolina with 1,500 active-duty troops. The Department of Defense is also employing additional capabilities to assist with increasing situational awareness across the remote terrain of Western North Carolina. The Army Corps of Engineers continues missions supporting debris removal, temporary emergency power installation, infrastructure and water and wastewater assessments, and technical assistance. Over 2,000 North Carolina National Guard personnel along with over 200 Guardsmen from 15 States are conducting response operations in western North Carolina.

    As response efforts continue in North Carolina, more than 1,250 FEMA staff remain on the ground, with more arriving daily. Nearly 400 Urban Search and Rescue personnel remain in the field helping people. These teams have rescued or supported over 3,200 survivors to date.  

    Power has been restored to more than approximately 96 percent of customers, as a result of 10,000 utility personnel working around the clock. Cellular restoration also continues to improve, with more than 93 percent of cellular sites in service. FEMA is boosting response coordination by providing 40 Starlink units to ensure first responders can communicate with each other.

    Commodity distribution, mass feeding, and hydration operations continue in areas of western North Carolina. FEMA continues to send commodity shipments and voluntary organizations are supporting feeding operations with bulk food and water deliveries coming via truck and aircraft. Mobile feeding operations are reaching survivors in heavily impacted areas, including three mass feeding sites in Buncombe, McDowell and Watauga counties. The Salvation Army has 20 mobile feeding units supporting this massive operation and has provided emotional and spiritual care to survivors. To date, the American Red Cross is engaging in targeted distribution of emergency supplies in low-income communities with high levels of minor or affected residential damage.

    Additional recovery efforts in North Carolina include:

    Supporting Infrastructure Recovery

    As part of the robust, whole-of-government response to Hurricane Helene, the U.S. Department of Transportation is supporting response and recovery efforts in impacted communities in North Carolina. DOT personnel are on the ground in multiple locations of the state.

    On October 5, the Department of Transportation’s Federal Highway Administration (FHWA) announced $100 million in Quick Release Emergency Relief funding to support North Carolina. The funding helps pay for the costs of immediate emergency work resulting from Hurricane Helene flood damage. Additional funding will flow to affected communities from the Emergency Relief program.

    FHWA worked closely with North Carolina and other federal agencies to assess infrastructure damage, including supporting hundreds of bridge inspections and other critical infrastructure assessments across the Southeast. On October 8, FHWA Acting Administrator Kristin White visited the region with Governor Roy Cooper, North Carolina Department of Transportation Secretary Joey Hopkins and other federal, state and local officials and got a first-hand look at impacts from the storm and recovery efforts.   

    The Federal Aviation Administration (FAA) continues to work with partners in affected parts of North Carolina and Tennessee, as the national airspace steadily returned to normal operations.

    The FAA Air Traffic Organization Technical Operations Team is on-site and leading communications restoration efforts at air traffic facilities. FAA also supported the North Carolina Air National Guard by providing advisory services at Rutherford County Airport and Avery County Airport.

    The FAA worked with state and local governments, critical infrastructure owners and operators, and first responders to enable drones to support response and recovery. The FAA granted permission to allow Wing to temporarily conduct beyond visual line of sight drone package deliveries for Walmart’s pharmacy in western North Carolina, delivering essential items including prescription medicine, medical supplies, and medical equipment to hard-to-reach locations.

    Additionally, President Biden’s approval of a Presidential Emergency Declaration for North Carolina affords the state a period of emergency regulatory relief from Federal Motor Carrier Safety regulations, including flexibility around driving time for property- and passenger-carrying vehicles. This allows truck drivers to get essential supplies to affected areas in North Carolina. It may also provide opportunities for motorcoach buses to deliver relief teams to response locations and allow for the transport and evacuation of residents.

    On October 10, Environmental Protection Agency (EPA) Administrator Michael Regan joined Governor Cooper, Senator Tillis, Congressman Edwards and local officials to assess federal and state recovery efforts in response to Hurricane Helene. EPA and its state partners have made significant progress bringing drinking water and wastewater systems back online, including restoring service to more than 75 drinking water systems that serve approximately 260,000 people in the Asheville area. EPA is also providing technical assistance and drinking water testing to systems and private drinking water well owners across the Asheville area through their Mobile Drinking Water lab – giving residents clear data and confidence that their water is safe to drink. The lab is capable of testing 100 samples per day. Water utilities and private well owners must request sampling services through their local health departments. EPA will remain on the ground in North Carolina helping area residents as long as their assistance is needed.  

    The Department of Energy’s Energy Response Organization remains activated to respond to storm impacts, and responders remain deployed to FEMA regional response coordination centers. Via the Electricity Sub-Sector Coordinating Council and Oil and Natural Gas Sub-Sector Coordinating Council, the Department of Energy has been coordinating continuously with energy sector partners on the ongoing Hurricane Helene response. As noted above, there are 10,000 line workers supporting power restoration efforts.

    The National Oceanic and Atmospheric Administration continues to support post-disaster imagery flights following Hurricane Helene, already totaling over 68 flight hours during 20 flights, including over western North Carolina. This imagery not only supports FEMA and the broader response community, but the public at large.

    Providing Financial Flexibilities to Homeowners and Taxpayers

    The U.S. Department of Housing and Urban Development (HUD) is providing a 90-day moratorium on foreclosures of mortgages insured by the Federal Housing Administration (FHA) as well as foreclosures of mortgages to Native American borrowers guaranteed under the Section 184 Indian Home Loan Guarantee program. Additionally, affected homeowners that have mortgages through Government-Sponsored Enterprises – including Fannie Mae and Freddie Mac – and the FHA are eligible to suspend their mortgage payments through a forbearance plan for up to 12 months.

    HUD announced $3 million for the State of North Carolina to support people experiencing homelessness in communities impacted by Hurricane Helene. Funding from the Rapid Unsheltered Survivor Housing program will help residents and families who are experiencing or at risk of homelessness and have needs that are not otherwise served or fully met by existing Federal disaster relief programs.

    This summer, HUD launched a new streamlined process for requesting additional flexibility on existing grants after a disaster is declared. Recipients of annual HUD funding – including in North Carolina – may request waivers to unlock and accelerate the use of their funding for disaster response and recovery. With the updated waiver process, HUD is proactively issuing maximum flexibility to communities impacted by disasters. These flexibilities will expedite the recovery process, reduce administrative burden, and allow impacted jurisdictions to quickly tailor programs and activities to address the post disaster needs of their communities. The Disaster Assistance and Recovery Team within HUD’s Office of Housing Counseling continues to conduct focused meetings with housing counseling agencies in each state impacted by these disasters to discuss their unique response and recovery challenges and identify resources available to assist.

    The Internal Revenue Service announced disaster tax relief for all individuals and businesses affected by Hurricane Helene in North Carolina. North Carolina taxpayers now have until May 1, 2025, to file various federal individual and business tax returns and make tax payments.

    Protecting Public Health

    The U.S. Department of Health and Human Services (HHS) declared a Public Health Emergency for North Carolina to address the health impacts of Hurricane Helene. HHS’s Administration for Strategic Preparedness and Response (ASPR) continues to provide medical support for Hurricane Helene, predominantly onsite in North Carolina. These ASPR personnel are deployed to support Hurricane Helene response operations, which include four Disaster Medical Assistance Teams and personnel from a Disaster Mortuary Operational Response Team (DMORT) in North Carolina. ASPR Health and Medical Task Forces and ASPR Disaster Medical Assistance Teams from the National Disaster Medical System are providing 24-hour surge support to three hospitals: Mission Hospital in Asheville, Blue Ridge Regional Hospital in Spruce Pine, and Caldwell Memorial in Lenoir. To date, ASPR teams have seen nearly 1000 patients. ASPR will continue to work with federal, state, and local partners to prioritize medical assistance to other areas affected by Hurricane Helene as required and requested.  

    Supporting Workers and Worker Safety

    Working alongside the Department of Labor, the States of North Carolina has announced that eligible workers can receive federal Disaster Unemployment Assistance to compensate for income lost directly resulting from Hurricane Helene. And, through the Department of Labor’s innovative partnership with the U.S. Postal Service, displaced workers in North Carolina can now go to the post office in any other state and verify their ID for purposes of getting their benefits quickly.

    Supporting Farmers and Agriculture

    The U.S. Department of Agriculture (USDA) has put contingency plans and program flexibilities into place to ensure farmers, foresters and communities are able to get the support they need, such as by extending program signup opportunities, expediting crop insurance payments, and using waivers and emergency procedures to expedite recovery efforts on working lands. USDA’s Food and Nutrition Service has issued flexibilities and waivers for North Carolina to ensure that food and nutritional assistance reaches those in need as soon as possible. In North Carolina, waivers have been issued to increase access to WIC products, replace benefits through Summer EBT, allow the purchase of hot foods through SNAP, and more.

    Additionally, USDA is currently coordinating over 200 staff on the ground in North Carolina, including saw support teams and emergency road clearance teams, to help clear trees and debris, including in Waterville, Marion, Newton, and Weaverville.

    Supporting Students and Student Loan Borrowers

    The Department of Education has offered technical assistance to states and local educational agencies to support recovery efforts and shared critical resources, including those developed by other federal agencies and organizations, to support restoring the teaching and learning environment.

    The Department’s office of Federal Student Aid (FSA) has flexibilities that are automatically available to affected institutions of higher education to help their continued management of the federal student aid programs. These flexibilities help schools if they need to adjust their academic calendars, such as due to unexpected closures, and also help students who may need to take a leave of absence. The flexibilities also help students avoid reductions in their federal aid due to any state or federal disaster assistance provided. FSA will also work with affected institutions that need help on other areas, such as paying credit balances. FSA has communicated with schools located in the areas impacted by Hurricane Helene. Those communications included existing Department guidance about how natural disasters impact schools and their administration of financial aid, resources, and links to FEMA disaster aid information. FSA’s communications also included a way for schools to share more information about the disaster impact on their campus and submit questions about administrative relief and flexibilities.

    The Department is ensuring affected borrowers in areas impacted by the hurricanes can focus on their critical needs without needing to worry about missing their student loan payments. Direct Loan borrowers and federally-serviced FFEL borrowers in the affected area who miss their payments will be automatically placed into a natural disaster forbearance. During forbearance, payments are temporarily postponed or reduced, and interest is still charged. Thanks to regulations issued by the Biden-Harris Administration, months in this forbearance will count toward PSLF and IDR forgiveness. Direct Loan and federally serviced FEEL borrowers are not required to take an action but have the option to call their servicer if they wish to enroll in the forbearance proactively. Perkins loan borrowers should contact their loan holder to request natural disaster forbearance. 

    Continuing to Survey Data

    The Department of the Interior’s U.S. Geological Survey (USGS) continues working to measure river levels and flow, and repair streamgages that transmit critical data. USGS crews continue working to determine the extent of flooding by surveying for high-water marks. These flood-peak data and high-water marks are used to determine flood frequency and are critical in the design of infrastructure and in determining flood plain boundaries. USGS stood up a landslide response team that now includes 32 USGS scientists, 19 of which ware mapping landslides, to provide technical assistance to the North Carolina Geological Survey and Tennessee Geological Survey. Their work includes reconnaissance using satellite imagery, flights, and on-the-ground assessments to map landslides.

    ###

    MIL OSI USA News –

    January 24, 2025
  • MIL-OSI USA News: A Proclamation on National Character Counts Week,  2024

    Source: The White House

         In the Oval Office, I sit surrounded by portraits of exceptional American Presidents and busts of inspiring American leaders.  They remind me each and every day that we are a Nation of dreamers and doers, of promise and possibilities, and of ordinary Americans doing extraordinary things.  Above all, we are a Nation of good people, who show our kindness and character through small acts every single day.  This National Character Counts Week, we celebrate the core values of decency, honesty, dignity, and equality that have long defined the character of America.

         Our Nation is strong, and our future is bright — in large part because of the upstanding character that resides within all Americans.  I have witnessed it up close in educators like the First Lady, who inspire our Nation’s youth to reach for every possibility; mothers, fathers, and parental figures who raise their children with care, courage, and grit; first responders, who run toward danger to protect others; union workers, who are building America; and brave service members, who stand on the frontlines of freedom to defend our democracy.  Across the country, American workers are writing the greatest comeback story we have ever known — restoring pride in our hometowns, pride in America, and pride in knowing we can get big things done when we work together.

         Since I came into office, my Administration has taken large strides toward building an America that lives up to those values.  The American Rescue Plan helped keep child care programs open, families in their homes, and small businesses on their feet.  We set a record for Federal contract spending on small businesses.  Our historic investments across the clean energy economy are helping to combat climate change and create good-paying jobs.  Through the American Rescue Plan and Bipartisan Safer Communities Act, we have made significant investments in reducing crime, preventing gun violence, and saving lives, and last year, we saw one of the lowest rates of violent crime in more than 50 years.  We are also ensuring that America is a Nation where everyone is respected and where we give hate no safe harbor.  That is why I signed the COVID-19 Hate Crimes Act, making it easier to report hate crimes, and hosted the United We Stand Summit to counter the corrosive effects of hate-fueled violence.  My Administration continues to work to counter antisemitism, Islamophobia, and hate in all its forms and ensure that everyone is treated with dignity and respect.

         Under my Unity Agenda, we are tackling the opioid epidemic and mental health crisis, holding Big Tech accountable, supporting our veterans and their families, and ending cancer as we know it.  We are investing more than $1 billion to help schools across the country train and hire new mental health counselors through the Bipartisan Safer Communities Act, we have granted new disability benefits to over one million veterans and their families under the PACT Act, and we launched the Advanced Research Projects Agency for Health to fast-track progress on how we prevent, detect, and treat cancer and other diseases.

         My father taught me that our character is not measured by how many times or how hard we get knocked down but by how quickly we get back up.  Even in the face of challenges ahead and obstacles in our way, Americans always get back up.  It is what drives our great country forward and what makes our Nation strong.  This week and every week, let us recommit to upholding our most essential values and remember that the sacred task of perfecting our Union is not just about any one of us but about “We the People.” 

         NOW, THEREFORE, I, JOSEPH R. BIDEN JR., President of the United States of America, by virtue of the authority vested in me by the Constitution and the laws of the United States, do hereby proclaim October 20 through October 26, 2024, as National Character Counts Week.  Now and throughout the year, I encourage all Americans to engage in efforts that honor and express the best attributes of our character, extend a hand of fellowship to their neighbors, and unite in service to their communities.

         IN WITNESS WHEREOF, I have hereunto set my hand this
    eighteenth day of October, in the year of our Lord two thousand twenty-four, and of the Independence of the United States of America the two hundred and forty-ninth.
     
     
                                 JOSEPH R. BIDEN JR.
     

    MIL OSI USA News –

    January 24, 2025
  • MIL-OSI Australia: Hunter and New England regions welcome new overseas nurses

    Source: New South Wales Government 2

    Headline: Hunter and New England regions welcome new overseas nurses

    Published: 22 October 2024

    Released by: Minister for the Hunter, Minister for Regional Health


    Communities across the Hunter and New England are experiencing a welcome boost of new nurses, with more than 140 registered nurses recruited from the United Kingdom (UK) and Ireland.

    Hunter New England Local Health District has welcomed the first of these new skilled nurses, who are now settling into the District’s hospitals and towns, following an international recruitment drive to attract staff and boost the capacity of local healthcare teams.

    The incoming nurses are qualified and experienced in emergency, surgical care, intensive care, and paediatrics, with many honing their skills at specialist hospitals in the UK.

    Nurses are being placed across the District’s hospitals and facilities, including 41 at Tamworth, 37 at Manning and 28 at Maitland hospitals, with dozens having already transitioned into their new roles.

    As part of their welcome, the new nurses and their families are greeted at the airport by District staff, before being escorted to local accommodation.

    Ongoing training and personal support are provided, including an orientation and buddy-up system to ensure the nurses feel comfortable and supported in their new environment.

    The District is currently assisting the remaining overseas nurses through the visa and immigration process, and anticipates their arrival in the coming months.

    The international recruitment drive is one of a range of initiatives currently underway to attract and retain nurses to HNELHD’s facilities, with other measures including the employment of more than 250 graduate nurses and midwives, the implementation of the NSW Government’s Rural Health Workforce Incentive Scheme, school-based trainee program, and tertiary study subsidies.

    Quotes attributable to Minister for Regional Health Ryan Park:

    “I warmly welcome these much needed and valued nurses to our Hunter and New England regions, who are bringing a wealth of experience to our facilities and communities.

    “Health worker shortages in our regions is one of the biggest challenges confronting our health system.

    “International recruitment drives are just one way we are helping to attract and retain health workers in our regional and rural areas. We want to ensure everyone can access high quality healthcare no matter where they live.”

    Quotes attributable to Minister for the Hunter Yasmin Catley:

    “It’s fantastic to welcome so many new nurses who have chosen to make the Hunter home.

    “These workers will make a real difference to peoples’ lives and help deliver better outcomes for patients and their families.

    “The NSW Labor Government is working hard to rebuild our public health system and the recruitment of these overseas nurses plays an important role in boosting the current workforce.”

    Quotes attributable to Elizabeth Grist, Executive Director, Nursing and Midwifery, Hunter New England Local Health District:

    “I am thrilled to see over 140 overseas nurses continue their healthcare careers in NSW and I want to pass on my thanks for choosing our District.”             

    “No two days are the same in our hospitals, and we are committed to providing these nurses with continuous opportunities for career-enhancing experiences and learning development across a variety of areas.”

    Quotes attributable to Michelle Keir, Director of Nursing and Midwifery, Tamworth Hospital:

    “We’ve welcomed over two dozen overseas nurses to our hospital so far, who are all settling well into the community and enjoying their new lifestyle and nursing roles.”

    “The overseas recruitment drive has been an extremely rewarding initiative, which has boosted morale and wellbeing among our existing staff as well as benefiting our patients.”

    “I look forward to welcoming and supporting more nurses over the coming weeks and months, as we continue to receive applications from highly-skilled nurses from across the world.”

    Quotes attributable to Bindhya Thomas, Registered Nurse, Tamworth Hospital:

    “I have 12 years’ experience in nursing, and I’m currently working in the acute surgical ward at Tamworth Hospital, taking care of post-surgical patients.”      

    “It was my dream to migrate to Australia and I’m so happy to be here, the sun is shining every day and that makes it so enjoyable.”

    “My colleagues are so supportive. I feel like I’ve been here for many years and that’s a wonderful feeling.”

    MIL OSI News –

    January 24, 2025
  • MIL-OSI China: UN chief condemns ‘continued and widespread’ loss of life across Gaza

    Source: China State Council Information Office

    Children injured in an Israeli attack are treated at Al-Ahli Arab Hospital in Sheikh Radwan neighborhood, north of Gaza City, on Oct. 21, 2024. [Photo/Xinhua]

    UN Secretary-General Antonio Guterres condemned the “continued and widespread” loss of life across the Gaza Strip, including Israeli strikes on a residential block in Beit Lahiya on Saturday, a UN spokesman said on Monday.

    “Civilians must be respected and protected at all times,” said Farhan Haq, deputy spokesman for the UN chief, at a daily briefing.

    Eighty-seven Palestinians were killed and more than 40 others injured on Saturday after Israeli jet fighters raided a residential area in Beit Lahia in northern Gaza, according to the Gaza-based health authorities.

    The UN chief “remains deeply alarmed by the rapidly deteriorating situation for civilians in northern Gaza, including mass displacement and the lack of essentials for survival,” Haq said.

    Guterres called for immediate and unhindered access for humanitarian and rescue teams to allow them to continue their lifesaving work.

    “The recent attacks that have hit hospitals in North Gaza are exacerbating an already dire humanitarian crisis and placing the lives of tens of thousands at grave risk,” Haq continued, calling for combatants to protect patients and medical staff.

    “The violations of international humanitarian law that we are witnessing in Gaza by all parties to this conflict are unacceptable. Accountability for any international crimes that have been committed by any party is essential,” the spokesman said, adding that the secretary-general reiterated his calls for an immediate ceasefire and the immediate and unconditional release of all hostages in Gaza.

    MIL OSI China News –

    January 24, 2025
  • MIL-OSI China: At least 4 killed, 24 injured in Israeli airstrike in Beirut

    Source: China State Council Information Office

    At least four people, including a child, were killed and 27 others injured in an Israeli airstrike Monday night near Lebanon’s largest public hospital close to Beirut’s southern suburbs, according to the Lebanese Ministry of Public Health.

    The Israeli strike targeted the vicinity of Rafik Hariri University Hospital in the Jnah area, located on the outskirts of southern Beirut.

    The al-Jadeed local TV channel said that over 25 ambulances for the Lebanese Red Cross and Civil Defense teams rushed to the area. The search for victims trapped under the rubble near the hospital is still ongoing.

    The airstrike had forced residents in the area to leave their houses, seeking safer shelters elsewhere.

    Israeli warplanes also launched an airstrike on Ouzai, a densely populated area located on the outskirts of Beirut’s southern suburbs, near the Beirut airport.

    On Monday night, Israeli warplanes launched over 12 violent airstrikes on several areas in Beirut’s southern suburbs, including Haret Hreik, Burj Barajneh, al Hadath, Jamous, and Saint Therese.

    The Israeli army has been waging intensive attacks on Lebanon since late September in a dangerous escalation with Hezbollah.

    MIL OSI China News –

    January 24, 2025
  • MIL-OSI China: Israel claims major blow to Hezbollah’s rocket capabilities

    Source: China State Council Information Office 3

    This photo taken on Oct. 20, 2024 shows smoke caused by Israeli airstrike in the southern suburb of Beirut, Lebanon. [Photo/Xinhua]

    Israel’s military said on Monday that it had destroyed about 70 percent of Hezbollah’s rocket capabilities, dismantled parts of its financial network, and killed a senior Hezbollah official in Syria who oversaw the group’s money transfers.

    In a statement, the Israel Defense Forces (IDF) said that it had killed seven Hezbollah brigade commanders, 21 battalion commanders, and 24 company commanders.

    The IDF added that since the beginning of its ground offensive in Lebanon in early October, it had struck more than 3,200 sites in the country, including hundreds of weapons storage facilities, rocket launchers, anti-tank positions, and command and control centers.

    Roughly 300 of those targets were hit in the last 24 hours alone, according to the military.

    Citing senior security officials, Israel’s Channel 13 TV news reported that Hezbollah retains about 30 percent of its rocket capabilities, a significant reduction from the beginning of the conflict in October.

    Later in a press briefing, IDF spokesman Daniel Hagari said Israeli warplanes had bombed around 20 Hezbollah sites linked with financial network overnight from Sunday to Monday, with most of the strikes focused on Beirut. The strikes, Hagari said, are expected to resume tonight.

    Among the targets was an underground warehouse belonging to the Al-Qard Al-Hasan Association, a Hezbollah-affiliated financial organization operating primarily in Lebanon with headquarters in Beirut’s southern suburb, where Hezbollah’s headquarters are located.

    According to Hagari, Hezbollah had stockpiled cash and gold worth “tens of millions of dollars, intended for living expenses and post-war reconstruction” in this underground warehouse.

    Hagari also said that under Al-Sahel Hospital, in Beirut’s southern suburb, Hezbollah had built an underground bunker storing “at least half a billion dollars in cash and gold.”

    The bunker, described as a central financial hub, was not struck, but Hagari warned that Israeli aircraft were monitoring the site closely. “We will continue to track it,” he added.

    According to the spokesman, Hezbollah has established a financial network involving Yemen, Lebanon, Türkiye, and Syria. The network was managed by Mohammad Jaafar Qasir and Sheikh Salah, the head of Unit 4400, which is responsible for financial transfers and the financial management of Hezbollah.

    Qasir was killed by Israel in Beirut in early October, and according to Hagari, his successor was also killed in an Israeli airstrike in Syria on Monday.

    The crackdown on Hezbollah’s financial network, Hagari added, aims to “deal a blow to its primary financial centers, making it difficult for the group to restore its capabilities.”

    Also on Monday, Israeli Defense Minister Yoav Gallant signed an order designating the Al-Qard Al-Hasan Association as a terrorist organization. The decision, Gallant said in a statement, was due to “the financing of terrorism through the purchase of weapons, payment of salaries to terrorists, and the storage of Hezbollah funds within the association’s facilities.”

    The confrontation between the Israeli army and Hezbollah, since its onset on Oct. 8, 2023, has killed more than 2,300 people, injured over 11,000 others, and displaced about 1.2 million residents in Lebanon, according to Lebanese authorities.

    MIL OSI China News –

    January 24, 2025
  • MIL-OSI China: Officials strive for quality elder care

    Source: People’s Republic of China – State Council News

    Authorities are stepping up efforts to promote the healthy development of the elder care sector in China, officials said.

    Li Yongxin, deputy director of the elder care service department at the Ministry of Civil Affairs, said during a news conference that the number of elderly care facilities in China had surged to around 410,000 by June, with 369,000 of them community-based. This represents a 100 percent increase in elderly care facilities and a 120 percent increase in community-based ones since 2019.

    The expansion and a recent crackdown are part of a broader initiative to address the challenges posed by China’s rapidly aging population and fraudulent practices in facilities designed to help seniors.

    “The ministry has strengthened its policy framework, diversified care options and enhanced regulatory measures, resulting in significant improvements in elderly care services,” Li said.

    Li added that legislative efforts are underway to create a law outlining the responsibilities of elder care service providers, with the goal of better protecting seniors’ rights. The move is a response to widespread concerns about financial scams targeting the elderly, including fraudulent schemes disguised as membership fees or unauthorized financial products being offered by some retirement homes.

    In 2022, a government crackdown on elder care fraud led to the arrest of 66,000 suspects and the recovery of 30.8 billion yuan ($4.3 billion) in stolen funds. Last year, an additional 33,000 suspects were apprehended.

    Along with fraud prevention, authorities are conducting inspections to reduce fire risks, improve building safety and create a more secure environment for seniors. The National Health Commission estimates that 78 percent of China’s elderly people have at least one chronic illness, and roughly 40 million seniors are disabled or semidisabled and require intensive care.

    Meanwhile, despite the growing number of elder care facilities, China still faces a shortage of caregivers, with only 500,000 currently available to meet the country’s needs. To fill the gap, authorities are promoting home-based care that allows seniors to stay in their homes while receiving regular visits from community workers and medical professionals.

    Since 2021, approximately 350,000 seniors have benefited from home-based care, with 650,000 home visits conducted, according to the ministry.

    By the end of 2023, nearly 300 million Chinese citizens were age 60 or older. By 2050, that number is expected to grow to one-third of the population.

    MIL OSI China News –

    January 24, 2025
  • MIL-OSI New Zealand: Strategic Intentions 2024–2028

    Source: New Zealand Ministry of Health

    Summary

    The Strategic Intentions 2024–2028 is how the Ministry informs Parliament and the public about:

    1. the strategic objectives that the Ministry intends to achieve or contribute to over the medium term
    2. what the Ministry intends to achieve with appropriations
    3. the nature and scope of the Ministry’s functions and operations to achieve or contribute to the strategic objectives.

    There are three main sections.

    • Section one – introduction, including our purpose, functions and responsibilities, and our context
    • Section two – our strategic direction, which includes our strategic priorities and priority activities
    • Section three – how we operate as an organisation to achieve our strategic intentions. 

    The document sets out the Ministry’s own strategic focus, functions and priorities aligned and contributing to, but distinct from those of the Government. 

    The Ministry is responsible for reporting annually on progress against the Strategic Intentions 2024–2028 and what has been achieved with appropriations. Parliament sees information on performance reporting in the Ministry’s annual reports and information supporting the Estimates.

    The Ministry’s Strategic Intentions 2024–2028 also includes the strategic intentions of Te Aho o Te Kahu – Cancer Control Agency. The agency is a departmental agency hosted by the Ministry and is operating within the Ministry’s strategic and policy framework.

    MIL OSI New Zealand News –

    January 24, 2025
  • MIL-OSI New Zealand: Ministry of Health Annual Report for the year ended 30 June 2024

    Source: New Zealand Ministry of Health

    Summary

    The Annual Report for the year ended 30 June 2024 sets out who we are and what we do, how we manage our business, our financial statements and statement of service performance as specified in Vote Health – Main Estimates of Appropriation 2023/24 and (where updated) in Vote Health – Supplementary Estimates of Appropriation 2023/24.

    It provides a detailed breakdown of our achievements for the 2023/24 financial year and the progress made towards our six strategic objectives:

    • Provide system-level leadership
    • Drive system strategy and performance
    • Be the Government’s primary advisor on health
    • Future-proof our health system 
    • Be the regulator of the health system 
    • Transform ourselves.

    Disclaimer: The graph for Figure 10, ‘Percentage of kaimahi who believe te ao Māori perspectives are relevant to their work’, differs from the print version of the Te Aho o Te Kahu 2023/23 Annual Report. This was due to an error where the graph for Figure 9, ‘Explain kaupapa Māori concepts’, was duplicated for both Figure 9 and Figure 10.

    MIL OSI New Zealand News –

    January 24, 2025
  • MIL-OSI New Zealand: Third man charged with murder of Darshak Narran

    Source: New Zealand Police (District News)

    Waikato Police have today charged a third person with the murder of Darshak Narran.

    A 23-year-old Papakura man will appear in the Manukau District Court tomorrow (23 October).

    Darshak, aged 43, was located with critical injuries on the roadside in the vicinity of the Hampton Downs Racetrack shortly after midnight on Monday 14 October.

    He subsequently died in Auckland Hospital.

    Police are not ruling out further arrests in relation to the assault on Darshak.

    ENDS

    Issued by Police Media Centre. 

    MIL OSI New Zealand News –

    January 24, 2025
  • MIL-OSI USA: October 21st, 2024 Heinrich Highlights $2.5 Million for Mobile Training Unit to Connect Rural New Mexicans to In-Demand Careers in the Skilled Trades, Participates in Training Demo with U.A. Local 412

    US Senate News:

    Source: United States Senator for New Mexico Martin Heinrich
    PHOTOS & VIDEO
    ALBUQUERQUE, N.M. — U.S. Senator Martin Heinrich (D-N.M.), Chairman of the U.S. Joint Economic Committee and a member of the Senate Appropriations Committee, highlighted more than $2.5 million he has secured through the Appropriations process for the United Association of Plumbers & Pipefitters Local 412 (U.A. Local 412) to operate a mobile training unit that provides pre-apprenticeship training to New Mexicans living in rural and Tribal communities. 
    The mobile training unit is creating more pathways to in-demand careers in the skilled trades and has already trained dozens of New Mexicans in Española, Taos, Las Vegas, Mora, Raton, and Santa Fe. Heinrich also participated in a training demonstration with U.A. Local 412 leadership and apprentices who are learning skills in the plumbing, pipefitting, and HVAC trades.

    U.S. Senator Martin Heinrich (D-N.M.) participates in a training demonstration with the United Association of Plumbers & Pipefitters Local 412 (U.A. Local 412), October 21, 2024.
    “Thanks to our Inflation Reduction Act and CHIPS and Science Act, New Mexico is experiencing a manufacturing and clean energy renaissance that is creating new high-quality careers New Mexicans can build their families around,” said Heinrich. “I’m focused on expanding pathways to skills training and apprenticeships that connect New Mexicans to careers in their own communities. This is how we can address workforce shortages, grow the middle class, and strengthen our economy.”
    Heinrich-Secured Federal Investments for the Mobile Training Unit:
    The U.A. Local 412 Mobile Training Unit was initially paid for by an Economic Development Administration (EDA) Good Jobs Challenge Grant, as part of a $6.4 million award to the Northern N.M. Workforce Integration Network. The Good Jobs Challenge funds were authorized by the American Rescue Plan, the critical economic recovery legislation that Heinrich was proud to pass in 2021. 
    Through his work on the Senate Appropriations Committee, Heinrich has further supported the U.A. Local 412’s workforce development efforts by securing more than $2.5 million in Congressionally Directed Spending (CDS) in the Fiscal Year 2023 and Fiscal Year 2024 Appropriations Bills. These awards helped the union secure the equipment and staffing they need to train New Mexicans for jobs in the skilled trades, including specialized training needed to fill the many new, well-paying jobs being created by the CHIPS and Science Act and the Inflation Reduction Act. 
    Heinrich is currently fighting to pass the Fiscal Year 2025 Appropriations Bills, which include an additional $870,000 CDS award that he secured within the Senate Appropriations Committee-passed Labor, Health and Human Services, Education Appropriations Bill to sustain the U.A. Local 412’s mobile training unit’s operations past the original EDA funding, and to expand its reach to new communities including Grants, Gallup, Silver City, and Zuni Pueblo. 
    Heinrich’s Longtime Support for Workforce Training and Apprenticeships:
    Heinrich has long championed proven workforce training programs like U.A. Local 412’s apprenticeship and pre-apprenticeship programs that are growing the middle class, creating and connecting New Mexicans to high-quality careers they can access in their communities, and continuing New Mexico’s leading role in the clean energy transition that is being built by union workers in the skilled trades. 
    Last week, Heinrich hosted a “Pro-Worker, Pro-Business Opportunities” roundtable to talk directly with New Mexicans about how federal legislation he helped pass into law, like the Inflation Reduction Act and Infrastructure Law, is creating careers in high-demand sectors and strengthening New Mexico’s health care, early childhood education, and skilled trades workforce.  
    Last year, Heinrich introduced the bipartisan Apprenticeship Pathways Act, legislation to create pathways to careers for high school students by expanding access to apprenticeship programs for occupations with high need, including the building trades, healthcare, manufacturing, technology, telecommunications, and early childhood education. Earlier this year, Heinrich introduced the Pre-Apprenticeships To Hardhats (PATH) Act, legislation to strengthen the pipeline for careers in New Mexico, address rising workforce shortages, and grow the state’s economy through quality pre-apprenticeship programs. 
    Last year, Courtenay Eichhorst, Business Manager of U.A. Local 412 and President of New Mexico Building Trades, testified about the importance of apprenticeships and pre-apprenticeships during a hearing that Heinrich convened as the Chairman of the Joint Economic Committee on “Job Training for the Clean Energy Transition.” 
    Eichhorst said during that JEC hearing, “In addition to our ‘gold standard’ apprenticeship programs, the UA and other Building Trades’ unions are also increasingly investing in pre-apprenticeship programs that can be designed to help prepare high school students or individuals from underrepresented communities for a career in the trades. These programs help fill the role that used to be filled by the ‘shop classes’ that were found in high schools but have become increasingly rare. Pre-apprenticeship programs also focus on the ‘soft skills’ that are necessary for success in any industry, such as showing up on time and other work etiquette.”
    Earlier this year, also in the Fiscal Year 2024 Appropriations Bills, Heinrich secured $1,200,000 in Congressionally Directed Spending for the SMART Local Union No. 49 Joint Apprenticeship and Training Committee to enhance and expand specialized HVAC apprenticeship training. 
    In March, Heinrich introduced the Providing Resources and Opportunities for Health Education and Learning (PRO-HEAL) Act, legislation that will tackle the health care provider shortage in New Mexico and nationwide by expanding pathways to high-quality, in-demand health care careers that medical professionals can access in their communities. Specifically, the PRO-HEAL Act addresses medical provider shortages by incentivizing states and institutions of higher education to expand or create health care provider pipeline programs, particularly in underserved and rural communities. The legislation is inspired by the success of the Combined BA/MD Degree Program at the University of New Mexico, where over 65% of students who have graduated from their program practice medicine in New Mexico.    
    Last year, Heinrich introduced the Pathways to Health Careers Act, legislation that reauthorizes and modernizes the Health Profession Opportunity Grant (HPOG) program to help address health care shortages in New Mexico and across the country and create pathways to high-quality, in-demand health care careers. The HPOG program has a proven track record of successfully educating workers for jobs in the health care industry, while also providing career coaching, job placement, and a mix of other support services. The Pathways to Health Careers Act would restart and expand the HPOG Program, providing $425 million to make HPOG available nationwide from FY2024 through FY2028 and includes set asides for Tribes and U.S. Territories.  
    In 2021, Heinrich introduced the Championing Apprenticeships for New Careers and Employees in Technology (CHANCE in Tech) Act, legislation to create earlier pathways to high-paying careers in the information technology (IT) industry. Heinrich previously introduced similar bipartisan legislation in 2019 with former Senator Cory Gardner (R-Colo.).

    MIL OSI USA News –

    January 24, 2025
  • MIL-OSI Translation: October 5-13, 2024: Geneva launches the 1st Mental Health Week

    MIL OSI Translation. Government of the Republic of France statements from French to English –

    Source: Switzerland – Canton Government of Geneva in French

    The mental health of Genevans will be in the spotlight from October 5 to 13. Throughout the week, 126 activities will be offered free of charge to the population in order to raise awareness of this major public health issue.

    As part of the cantonal plan for health promotion and prevention 2024-2028 (PSP), the State of Geneva is launching the 1st edition of Mental Health Week.

    This topic concerns everyone because it is normal to experience difficulties in one’s life for a while. But when these difficulties persist or become too overwhelming and burdensome, help may be necessary.

    In order to inform the people of Geneva about the resources and tools available to them in this area, the Cantonal Health Office and 84 Geneva institutions have designed a rich programme of 126 activities – conferences, practical workshops, open days, sports and artistic activities – accessible free of charge to all.

    For more information:

    Find this week’s program as well as all the useful information on the dedicated websiteRead it press release from the Department of Health and Mobility (DSM)

    EDITOR’S NOTE: This article is a translation. Apologies should the grammar and/or sentence structure not be perfect.

    MIL Translation OSI

    January 24, 2025
  • MIL-OSI Translation: Glarus Nord: Rabies confirmed in bat

    MIL OSI Translation. Region: Italy –

    Source: Switzerland – Canton Government of Grisons in Italian

    The Swiss Rabies Center has identified the presence of the rabies virus in a Daubenton’s bat found in the Canton of Glarus.

    The Daubenton’s bat was found in Mühlehorn (municipality of Glarus Nord) on 20 September 2024. Switzerland is considered free of rabies in domestic and wild animals. However, individual cases of rabies in bats can rarely occur. Since 1992, only seven cases have been diagnosed in Switzerland.

    What to do? If you find a wild animal, especially if it appears sick or exhibits abnormal behavior, it is important not to touch it and inform the foundation Fledermaus Protection Foundation or the hunting supervisory body. If you are bitten by a bat, you should immediately consult a doctor and take the necessary precautions. More information is available on the website of Swiss Rabies Center.

    The enforcement of veterinary, food and chemical law for the Canton of Glarus is a task undertaken by the Office for Food Safety and Animal Health of the Grisons.

    Contact person:

    Giochen Bearth, Head of the Office for Food Safety and Animal Health of the Grisons, Tel. 41 81 257 24 11 (reachable between 11:00 and 12:00), e-mailGiochen.Bearth@alt.gr.ch

    Competent body: Office for Food Safety and Animal Health

    EDITOR’S NOTE: This article is a translation. Apologies should the grammar and/or sentence structure not be perfect.

    MIL Translation OSI

    January 24, 2025
  • MIL-OSI United Nations: Experts of the Committee on the Elimination of Discrimination against Women Praise Japan for Criminalising Non-Consensual Sexual Intercourse, Ask about Women’s Representation in Public and Private Bodies and the Single Surname System for Married Couples

    Source: United Nations – Geneva

    The Committee on the Elimination of Discrimination against Women today considered the ninth periodic report of Japan, with Committee Experts praising the State’s revision of legislation on rape to criminalise non-consensual sexual intercourse, and raising questions about women’s representation in public and private bodies and the single surname system for married couples.

    Bandana Rana, Committee Expert and Rapporteur for Japan, commended the State party for redefining rape as “non-consensual sexual intercourse” and for raising the age of consent to 16.

    Ms. Rana noted, however, that Japan had been ranked one hundred and twenty-fifth globally in terms of gender equality, due to, among other factors, the low level of women’s representation in government and deeply rooted gender stereotypes that hampered women’s standing.  The State party needed to address these issues, she said.

    Several Committee Experts raised concerns regarding women’s representation in public and private bodies.  One Expert noted that the number of women representatives in government had decreased recently, and that only around 0.8 per cent of company chief executive officers and 7.1 per cent of senior diplomats were women.  How would the State party improve female representation?

    A Committee Expert noted that 94.7 per cent of women adopted their husband’s surname under the current single surname system.  This had negative impacts on their identity and employment.  What were the prospects of reforming the law to allow for a dual surname system?

    Introducing the report, Keiko Okada, Director-General, Gender Equality Bureau, Cabinet Office of Japan and head of the delegation, said revisions to the Penal Code in 2023 clarified that non-consensual sexual acts constituted crimes regardless of marital status and raised the age of sexual consent from 13 to 16.  Multiple other laws addressing sexual violence, including against children, had also been enacted.

    Ms. Okada said the Government aimed to increase the percentage of women among candidates for the House of Representatives and the House of Councillors to 35 per cent by 2025.  The Act on Promotion of Women’s Participation and Advancement in the Workplace made it obligatory for national and local governments to set targets for women’s representation and make information about women’s participation publicly available. 

    The delegation added that companies with 301 employees or more were obliged to develop action plans on promoting women’s participation and publish statistics on women’s representation in workforces, and there were plans to extend this obligation to companies with 101 employees or more. There had been a gradual increase in women’s representation in managerial positions in private companies in recent years.

    Ms. Okada also said public opinion in Japan varied greatly regarding separate surnames for married couples.  The Government would proceed with deliberations on the introduction of such a system while closely monitoring public opinion. It was raising awareness that former surnames could be recorded alongside formal surnames on many official documents.

    In closing remarks, Ms. Okada said the delegation had engaged sincerely in the dialogue.  It hoped that the responses it had provided would be useful for the Committee.

    Ana Peláez Narváez, Committee Chair, in her concluding remarks, said that the dialogue had provided further insight into the situation of women in Japan. The Committee encouraged the State party to undertake further efforts to implement the Convention more comprehensively for the benefit of all women and girls in the State.

    The delegation of Japan consisted of representatives from the Cabinet Office; Cabinet Secretariat; National Police Agency; Children and Families Agency; Ministry of Justice; Ministry of Foreign Affairs; Ministry of Education, Culture, Sports, Science and Technology; Ministry of Health, Labour, and Welfare; and the Permanent Mission of Japan to the United Nations Office at Geneva.

    The Committee will issue concluding observations on the report of Japan at the end of its eighty-ninth session on 25 October.  All documents relating to the Committee’s work, including reports submitted by States parties, can be found on the session’s webpage.  Meeting summary releases can be found here.  The webcast of the Committee’s public meetings can be accessed via the UN Web TV webpage.

    The Committee will next meet in public at 10 a.m. on Friday, 18 October to consider the ninth periodic report of Cuba (CEDAW/C/CUB/9).

    Report

    The Committee has before it the ninth periodic report of Japan (CEDAW/C/JPN/9).

    Presentation of Report

    KEIKO OKADA, Director-General, Gender Equality Bureau, Cabinet Office of Japan and head of the delegation, said that for nearly 40 years since ratifying the Convention in 1985, Japan had committed itself to implementing gender equality measures with the aim of eliminating discrimination against women both in its legislation and in practice.

    Following Committee recommendations, a bill to revise the Civil Code to make the minimum legal age of marriage the same for men and women was enacted in 2018 and took effect in 2022.  Another revision to the Civil Code enacted in 2022 abolished the waiting period for women to remarry after divorce.  This took effect in 2024.

    Public opinion in Japan varied greatly regarding separate surnames for married couples. The Fifth Basic Plan for Gender Equality stated that the Government would proceed with deliberations on the introduction of such a system while closely monitoring public opinion and developments in the National Diet’s discussion on the matter.  The Government was committed to expanding the use of former surnames; it was raising awareness that former surnames could be recorded alongside formal surnames on many official documents.

    The Hate Speech Elimination Act, the Act on the Promotion of the Elimination of Buraku Discrimination, and the Act on Promoting Measures for the Ainu People all incorporated the principle that discrimination was unacceptable, while the Basic Plan on Human Rights Education and Human Rights Awareness-Raising promoted human rights education and awareness-raising, identifying issues concerning women, the Buraku community, the Ainu people, and foreign nationals.  The content of the Plan was now being reviewed to address emerging issues.

    Revisions to the Penal Code in 2023 introduced crimes of “penetrative sexual assault” and “indecent assault”; clarified that non-consensual sexual acts constituted crimes regardless of marital status; raised the age of sexual consent from 13 to 16; criminalised requesting or engaging in a meeting with a child aged 15 or under for the purpose of an indecent act; and extended the statute of limitations for prosecuting sexual crimes.  Multiple other laws had also been enacted, including acts establishing the crime of non-consensual recording of a sexual image, preventing harm as a result of performing in sexually explicit videos, and stipulating measures to prevent sexual violence against children in schools and childcare providers. As of 2023, courts were able to issue orders banning spouses, including same-sex spouses, from approaching victims not only in cases of physical violence, but also in cases of non-physical acts causing psychological harm.  A 2022 law also stipulated comprehensive provision of a wide range of assistance for women victims of violence.

    Following 2019 legislation, a lump-sum payment of 3.2 million yen was provided to people with disabilities who underwent forced surgeries or other sterilization procedures. As of 2024, 1,129 claimants, including 817 women, had been approved for receipt of such payments.  In July 2024, the Supreme Court ruled that the provisions of the now-defunct Eugenic Protection Act relating to sterilization surgeries were unconstitutional.  The Prime Minister subsequently apologised on behalf of the Government for its role in enforcing the Act.  In September 2024, a “Basic Agreement” was signed with stakeholders aiming for a comprehensive solution to the issues of the now-defunct Eugenic Protection Act. The Diet also passed and enacted a bill on payment of compensation to persons who underwent eugenic surgery in October 2024.

    Following another Committee recommendation, Japan enacted and enforced domestic legislation to give effect to the United Nations Convention against Transnational Organized Crime and its supplementary protocol on trafficking in persons in 2017.

    In June 2021, measures to combat sexual harassment and harassment related to pregnancy and childbirth were made mandatory.  The Government aimed to increase the percentage of women among candidates for the House of Representatives and the House of Councillors to 35 per cent by 2025. The Act on Promotion of Women’s Participation and Advancement in the Workplace made it obligatory for national and local governments to set targets for women’s representation, formulate action plans comprising measures to achieve their targets, and make information about women’s participation publicly available.

    The Government aimed to ensure that by 2031, 40 per cent of single-parent households received child support, and that 70 per cent of single-parent households that had a child support agreement received it.  Revisions to the Civil Code in May 2024 introduced a statutory child support system that enabled a parent who lived with a child to claim child support from the parent who lived separately.  The revisions updated provisions relating to child support, parental responsibility and custody, making it possible for both parents to be designated as having parental responsibility following divorce.  Sole parental responsibility was always mandated in potential cases of child abuse, domestic violence, or other potential harm.

    Following the Committee’s recommendations, the Government had revised legislation to make it obligatory for employers with 301 or more regularly employed workers to make information about the gender wage gap publicly available.  The Government also offered a consultation service to help companies analyse the factors and reduce gender wage gaps and was promoting the use of digital tools to help companies calculate those gaps.  Local and national governments were also required to make information on gender wage gaps for all their agencies publicly available.

    The Act on Childcare and Family Care Leave was revised in June 2021, creating a parental leave system that allowed fathers to take leave twice, up to a maximum total of four weeks, within the first eight weeks after the birth of their child. Employers with more than 300 employees were required to make uptake rates of parental leave publicly available. Employers were also required to provide flexible ways of working for workers with preschool age children. Legislation was revised to allow employees who took childcare leave for 14 days or more to receive 80 per cent of their pre-leave pay for 28 days.

    ATSUYUKI OIKE, Permanent Representative of Japan to the United Nations Office at Geneva, said Japan had successfully formulated three national action plans on women, peace and security and was eagerly ensuring cross-cutting intergovernmental coordination.  Bodies promoting women, peace and security were established within the Ministry of Foreign Affairs and the Ministry of Defence.  Japan was currently implementing 57 projects across the globe, contributing to promoting the women, peace and security agenda in Asia, Africa and Latin America.  In 2025, Japan would assume the role of Co-Chair of the Women, Peace and Security Focal Points Network; it would make every effort to advance the agenda internationally.

    Questions by Committee Experts 

    BANDANA RANA, Committee Expert and Rapporteur for Japan, commended Japan for its efforts since its last report.  Ms. Rana said that Hiroko Akizuki, the Committee’s Vice-Chair, made valuable contributions to the Committee.  Japan was also congratulated for being nominated as the Co-Chair of the Women, Peace and Security Focal Points Network for 2025.

    Challenges remained for fully achieving gender equality.  Japan had been ranked one hundred and twenty fifth globally in terms of gender equality, due to, among other factors, the low level of women’s representation in government and deeply rooted gender stereotypes that hampered women’s standing.  The State party needed to address these issues.

    Ms. Rana commended the State party for redefining rape as “non-consensual sexual intercourse” and for raising the age of consent to 16.  There was a lack of enforcement of gender equality legislation, leading gender gaps and discriminatory practices to persist.  What legal complaint mechanisms were in place for women who faced discrimination and how was the State party raising awareness of these mechanisms?

    Ms. Rana commended the State party on adopting several laws that addressed discrimination.  There was no definition of intersectional discrimination in legislation.  Would the State party adopt such a definition?  What was the status of efforts to ratify the Convention’s Optional Protocol?

    Japan’s Basic Plan for Gender Equality lacked concrete commitments to address structural barriers for women. How would the State party address the shortcomings in the Plan?

    International treaties had the same effect as domestic legislation in Japan, but courts reportedly rarely applied the Convention.  There were commendable training programmes for judges on the Convention.  How would the State party further promote implementation and awareness of the Convention?

    A Committee Expert commended Japan on its stand on lethal autonomous weapons systems, which was in line with the Committee’s general recommendation 30.

    Responses by the Delegation

    The delegation said that under the Constitution and domestic laws, gender-based discrimination was prohibited. The Fifth Basic Plan on Gender Equality called on the Government to raise awareness about remedy mechanisms available to the public.  The plan would run until the end of 2025.  Consideration of the next plan would begin at a later stage.

    Japan was taking into consideration various issues, including organisational frameworks, in its deliberations on ratifying the Optional Protocol, and would seriously consider ratifying it soon.

    All international human rights treaties ratified by Japan had the same effect as domestic law, and were referred to when necessary in courts.  The Convention attached rights and obligations to the State party, not individuals.  The Legal Training and Research Institute trained judges each year on human rights issues.  Prosecutors also received training on international conventions. 

    Non-governmental organizations had contributed to the State party’s policies on gender; women, peace and security; and to drafting the State party’s report.

    Questions by Committee Experts 

    A Committee Expert said Japan had created shelters and strong policies to address human trafficking.  There were problems in the State party’s measures to address trafficking, which had not changed in the last five years and did not cover the whole country.  What was the role of women in the peacebuilding process in Japan?  Had the Diet implemented gender budgeting?  Would the State party develop an independent national human rights institute for the benefit of women?  Japan needed to provide increased support for non-governmental organizations.

    Another Committee Expert acknowledged legislative measures to promote women’s participation in public life.  The Basic Plan for Gender Equality set targets to increase women’s representation in political bodies, disaster management bodies, and leadership positions to 30 per cent.  Other countries of similar economic capacity were seeking to achieve parity, so it was disappointing that these modest targets had not been reached.  What progress had been made in achieving the targets in the Plan?  Would the State party adopt temporary special measures to reduce the fee of three million yen required for running for political office?  Were there temporary special measures targeting Buraku women and women with disabilities?  The Expert congratulated Nihon Hidankyo on receiving the 2024 Nobel Peace Prize and asked how the Government was supporting women hibakusha and women and girls affected by the Fukushima Daiichi nuclear disaster.

    Responses by the Delegation

    The delegation said Japan had 10 women ambassadors and six general counsels who were women.  Forty per cent of Foreign Ministry employees were women, and this percentage was expected to increase.

    The Government had announced preventative measures to address sexual abuse by United States forces in Okinawa.  A new forum had been established between the military and residents of Okinawa.  Japan had primary jurisdiction over offences committed by military personnel.

    National and regional legal affairs bureaus had staff members that received complaints of human rights violations from women. There had been a significant increase in the budget promoting gender equality in recent years.  The Government’s 2024 budget included investments of 10.6 trillion yen in gender policies.

    The Government was working to promote the participation of women with disabilities in decision-making processes.  The Government had a policy committee for persons with disabilities; 40 per cent of its members were women with disabilities. The central government mandated local governments to formulate plans supporting persons with disabilities.

    The Convention did not apply to the period of the Second World War.  However, Japan had legally concluded all claims and property issues related to comfort women.  It had also established a fund that provided atonement for former comfort women, who were also sent letters of apology by the Prime Minister.  Meetings had been conducted with former comfort women.  The Government had also significantly invested in a healing foundation for comfort women and provided direct support to 65 surviving comfort women.

    Some women who had evacuated Fukushima after the nuclear incident had returned.  Experts monitored the health impact of radioactive material and were providing accurate information on risks to residents.

    Questions by Committee Experts

    A Committee Expert said the State party was promoting awareness of unconscious gender bias, but patriarchal attitudes continued to be present in various aspects of life.  How did the Government measure the effectiveness of awareness activities? Would the State party consider policies to counter gender stereotyping at all levels, which appeared to be normalised in society?  How would the State party prohibit discriminatory remarks by politicians?

    How could rape be prosecuted without accusation from victims? There were reports that perpetrators of offences by United States military personnel in Okinawa against women were not brought to justice.  How was the State party addressing this?  Could the State party provide data on arrests, prosecutions and convictions?

    Resource allocations to enforce prevention of spousal violence were reportedly insufficient.  Would the State party consider revising legislation to address coercion and psychological violence?  How was it building the capacity of the judiciary related to their understanding of gender-based violence?  How were shelters for victims of domestic violence being funded?  Was there a level of awareness amongst women regarding new legislation on non-consensual sex and their right to refuse sex?

    BANDANA RANA, Committee Expert and Rapporteur for Japan, commended the 2014 national action plan to combat trafficking in persons and the establishment of the council to combat trafficking in persons.  What measures were in place to improve identification mechanisms for victims of trafficking?  Current legal provisions did not fully encompass non-coercive forms of trafficking. How would this be addressed? Labour trafficking remained significantly underreported.  How would the State party secure convictions in trafficking cases and enhance cross-border cooperation to ensure the safe return of trafficking victims? Victimisation of girls persisted in the online sphere through child prostitution and pornography.  How was this being addressed?  Did programmes to prevent trafficking reach rural areas? What measures were in place to prevent the trafficking of young women and girls forced into prostitution by economic hardship?

    The Committee acknowledged efforts made by Japan to address the comfort women issue.  These steps needed to be sustained and enhanced to ensure the rights of victims to truth, justice and reparation.

    ANA PELÁEZ NARVÁEZ, Committee Chair, asked how legislation addressed sexual acts against persons who could not give consent, such as children and persons with disabilities.

    Responses by the Delegation

    The delegation said that the Cabinet Office had conducted surveys in 2021 and 2022 that revealed unconscious bias related to gender.  It had since implemented various measures to promote awareness of unconscious bias in government and society.  The Act on Promotion of Gender Equality in the Political Field required political bodies to implement training to prevent sexual harassment against persons holding public office.  Individual cases of harassment were handled according to the law.

    In 2023, the Penal Code was revised to specify that non-consensual sexual relations were prohibited in all situations. Information had been posted on Government websites, and leaflets and posters had been created, informing women and girls about the new legislation.  Lectures on the new law had also been provided for staff at one-stop support centres.  Persons who had sex with persons who could not give consent due to a disability or other factors were punished under the law.

    A victim-centred approach was taken to addressing the issue of sexual abuse by military personnel against women in Okinawa. Suspects were held by the military until the Japanese Government indicted them.  The Government was committed to holding all perpetrators accountable.  There were three arrests of United States forces for non-consensual sex with women and one arrest for indecent assault.

    The Act against Sexual Violence was amended in 2023 to address threats of violence and extend restraining orders for perpetrators of domestic violence.  The Legal Training and Research Institute had conducted training on domestic violence for family court clecks and investigators.  Courts could order prohibition of repeated phone calls to victims. Forty-seven publicly run shelters were provided for victims of sexual and gender-based violence, and the Government also supported privately run shelters.  Livelihood support was provided for victims, as was education support for their children.  In 2023, 1,100 protection orders were issued by courts.

    In 2022, the Government introduced an action plan on trafficking in persons, which promoted the identification and support of victims. After 2022, Japan had been attending the meetings of the Bali Process and contributing funds to the International Organization for Migration to promote awareness of trafficking and voluntary returns of victims.  Japan had supported the return of over 600 victims.  The Japan Coast Guard conducted inspections of vessels and took protective measures if there were suspicions of trafficking.  The Immigration Services Agency investigated whether asylum seekers were victims of trafficking.  Residence visas could be issued to persons found to be victims.  The Agency provided consultations and information on trafficking in persons in multiple languages, and victim protection services through regional contact points.  The police had also been trained in identifying victims of trafficking.

    Legislation had been enacted to address online child pornography and child prostitution.  Persons who distributed child pornography were prosecuted under this legislation.

    Japan aimed to lead global efforts to prevent gender-based violence.  It was providing financial contributions to organizations supporting women affected by conflict and was conducting awareness raising campaigns to prevent such incidents.

    Questions by Committee Experts

    A Committee Expert commended efforts to remove barriers to female political representation in Japan.  It was concerning that the number of women representatives in government had decreased recently.  Only around 0.8 per cent of company chief executive officers were women, there were only two female justices in the Supreme Court, and only 7.1 per cent of senior diplomats were women.  How would the State party improve female representation in these areas? Would it implement penalties or incentives to improve female representation?

    Another Committee Expert said that mixed nationality couples and single foreign parents had issues with passing nationality onto their children.  Did children of mixed couples obtain Japanese nationality upon birth, regardless of the marital status of their parents? Could more detail be provided about changes in the nationality law in 2024?  Children of foreign nationals born in Japan were not granted Japanese nationality and foreign residents were not allowed the right to vote.  Could they be appointed to government positions?  Was there a complaints mechanism for denied nationality applications?

    Responses by the Delegation

    The delegation said the Basic Act for Gender Equality called on the Government to pursue affirmative actions to promote gender equality.  It set numerical targets for women’s representation and measures were developed to achieve those targets.  Numerical targets had been set for the representation of women in private sector companies.  More than half of new employees of the Foreign Ministry were women.  Currently, the Supreme Court had three women judges, meaning 20 per cent of its judges were women.  The Government was exerting efforts to increase the representation of women in the judiciary.  Companies with more than 301 employees were obliged to develop action plans on promoting women’s participation and publish statistics on women’s representation in their workforces, and there were plans to extend this obligation to companies with more than 101 employees.  There had been a gradual increase in women’s representation in managerial positions in private companies in recent years.

    The 2024 revision to the law on nationality was enacted to ensure that nationality was not granted when false claims were made by applicants.  There was no specific complaint mechanism related to obtaining nationality. Nationality could be obtained through naturalisation and other means.

    Questions by Committee Experts

    BANDANA RANA, Committee Expert and Rapporteur for Japan, said that Japan was one of the world’s largest donors to international efforts promoting gender equality.  How would the State party promote women’s participation in peace negotiations?

    Another Committee Expert said horizontal segregation persisted in Japan.  The share of female students in physical science education was 15 per cent, and around 10 per cent in engineering education. Women professors made up around 17 per cent of professors in universities.  Would the State party introduce temporary special measures to address these issues?  Why were many female lecturers hired in temporary positions?  How was the State party encouraging women to become doctors?

    How did the State party ensure standardisation and the accuracy of information in history textbooks?  How many male teachers were there in primary schools?  What measures were in place to improve the working environment for women teachers?  Did teacher training address verbal and psychological violence?  Would the State party adopt Convention standards related to sexual education?  What measures were in place to address bullying against lesbian, gay, bisexual, transgender and intersex children and children from non-conventional families?

    A Committee Expert said the Penal Code had recently been revised to address online insults; how many cases of online insults had since been prosecuted?  Marginalised women experienced disproportionate levels of workplace harassment.  The gender wage gap was wide, at 23 per cent, and there was a large proportion of unemployed work-age women.  What measures were in place to address these issues?  Most women worked in irregular employment positions; would the State party consider requiring companies to report on the percentage of women in such positions?  What protections were available for workplace harassment of whistle-blowers?  The Convention needed to be upheld in Supreme Court deliberations regarding selective surnames for women.

    Responses by the Delegation

    The delegation said that in 2023, Japan positioned gender mainstreaming as an important part of official development assistance.  It was promoting women’s empowerment through foreign policies. Wide-ranging discussions were held on the empowerment of women at the G-7 as a part of gender mainstreaming efforts. Women were encouraged to participate in humanitarian aid activities.

    Under the fifth Basic Plan for Gender Equality, there was a target for increasing women and girls’ participation in science, technology, engineering and maths education.  Women’s participation in this education had gone up this year.  The Government was also promoting diversity among university students and supporting women studying science, technology, engineering and maths subjects through scholarships.  It also awarded universities that took positive measures to enrol women students and was distributing increased funding for universities that employed high percentages of women professors and women in leadership positions.  The Government was supporting women to return to work in research after childbirth.  It found that there had been discrimination against women in three medical schools’ entrance examinations.  Measures had been taken to ban such discrimination and prevent its recurrence.

    The Government had national curriculum standards that textbook publishers needed to adhere to.  School textbooks promoted harmony between students and provided education on gender equality.  In the authorisation process, academic and other experts assessed draft textbooks created by private sector companies to ensure that they explicitly promoted gender equality.

    Overtime payment was not provided to teachers, but teachers’ salaries were adjusted based on the amount of work they conducted.  The Government was trying to reduce working hours for teachers by hiring additional teachers and implementing other measures. Teacher training covered respect for human rights and support for students of diverse backgrounds.

    Bullying, including of lesbian, gay, bisexual, transgender and intersex children, was not tolerated in schools.  Psychological health surveys and individual support teams were employed to respond quickly to school bullying, and guidelines were being revised to strengthen responses to bullying.  A policy to address deep-fake pornography was included in the Basic Plan for Gender Equality.

    Employers were not allowed to select employees based on weight, height or physical strength, or based on their ethnic background or belief. Each public and private entity had a quota for employment of persons with disabilities.  This had led to increased employment of such persons.  A workplace diversity promotion project was launched in 2019.  Companies that actively employed women were certified and provided with tax incentives. The Government, over the next three years, would introduce measures to support women’s employment in the digital field.  There were 73 prosecutions involving insults in 2023.

    Questions by Committee Experts

    A Committee Expert said the Equal Employment Act did not recognise discrimination based on pregnancy, rural background or age. Would the State party amend this legislation?  More than 50 per cent of female workers were in temporary positions.  This needed to be addressed.  The 2025 World Expo was an opportunity to showcase that the future of work was female.

    Another Committee Expert asked about the slow pace of dismantling single-sex schools, which validated differences between the sexes.  What timeline did the Government have to achieve this?  What reparation had been provided to women who had been denied admission to medical schools due to discrimination?  How would the State party address negative comments by authorities related to reproductive education?

    A Committee Expert said a 2023 Government pilot had made emergency contraception pills available in pharmacies.  Would this pilot project be made permanent, and would contraception be provided to persons under 18?  Women in Japan had to get consent from spouses to seek abortions.  There were even cases where single women had had to seek permission from partners to obtain abortions.  Would the Government remove this requirement?  Only around three per cent of clinics offered abortion pills that were as expensive as other abortion procedures and needed to be taken in front of medical staff.  What measures were in place to increase access to abortion pills and to allow women to take these pills at home?

    The Committee commended the Government for apologising for the sterilisation of persons with disabilities conducted under the former eugenic protection law and for committing to provide compensation to victims. What reproductive rights did women with disabilities currently have?  What progress had been made in reducing per- and polyfluoroalkyl substances in water supplies, which were harmful for pregnant women?

    Another Committee Expert commended the revised Pension Act and support provided for start-ups created by women.  Around 15 per cent of women in Japan lived below the poverty line. Women in part-time work lacked adequate safety nets to keep them from poverty.  What measures were in place to further extend women’s access to employment opportunities and low-interest credit?  How would the State party address the gender digital skills gap? Were there financial literacy programmes for women in rural areas?  What percentage of the social security budget was devoted to older women, women with disabilities, foreign students and rural women workers?  Had the State party considered reforms that would establish guaranteed pensions for all individuals and family benefits for women with children classified as “illegitimate”?  How was the State party promoting women’s participation in sports and cultural programmes?

    Responses by the Delegation

    The delegation said the Government would continue to consider expanding the scope of legislation on indirect discrimination in recruitment, considering societal attitudes.  Japan’s efforts to promote women’s empowerment would be showcased at World Expo 2025. 

    Japan had no plans to dismantle single-sex schools.  Schools and boards of education made decisions related to single-sex education in individual schools.  Sexual and reproductive education called on students to respect the opposite gender and to make informed decisions regarding sexual activities.

    A trial was being conducted on the sale of emergency contraception pills at pharmacies and a research project on the provision of the abortion pill at medical clinics had been concluded this year.  The Government would analyse their results.  Male spouses needed to permit pregnant women to seek abortions, except in cases of domestic abuse or for unmarried mothers. The Government would deepen social discussions on this issue.

    The Government had developed a plan for promoting female digital talent; it was expanding opportunities for female high school and university students to receive education on programming.  The Government provided loans to female entrepreneurs who had difficulties obtaining funds and was collecting statistics on the number of start-ups created by women.  Seminars had been conducted to promote capacity building for women entrepreneurs.

    In 2022, the Government published cross-sectoral guidelines on business and human rights.  It would continue to study the possibility of future laws on human rights due diligence.

    The average monthly pension as of 2022 was 58,000 yen for men and 54,000 yen for women.  There was no gender gap in the system itself; the difference was due to gaps in work style between men and women.  Japan had a universal pension system.  The Government would expand the scope of employees qualified to receive pensions and would provide additional support to elderly women recipients of pensions.

    Questions by Committee Experts

    A Committee Expert asked about the timeline for the trial of emergency contraception, and asked whether the Government would change legislation to remove the requirement for people who wished to change genders to be sterilised.  It was extraordinary that women in Japan needed to get permission from spouses to obtain abortions, except in cases of divorce, domestic violence or death of spouses. Would the State party revise this?

    Another Committee Expert asked about the number of female beneficiaries of financial loans.  How would the State party provide pension coverage for all vulnerable groups, including women not in employment, education or training?

    Responses by the Delegation

    The delegation said it was currently difficult to indicate a timeline for the trial of emergency contraception, but the Government would continue to consider this.

    The poverty rate was higher for females than for males. To address this, a supplementary pension benefit was provided for low-income households.

    The Government provided various sporting opportunities for women and was promoting women’s participation in governance of sporting organizations.  A plan had been adopted that promoted women’s participation in cultural activities.

    Questions by Committee Experts

    BANDANA RANA, Committee Expert and Rapporteur for Japan, commended plans to support land ownership for rural women.  Rural women lacked access to adequate social benefits such as maternity and sickness leave. How would the State party address this? 

    Ms. Rana welcomed inspections that had led to the detection of abuse of migrant technical intern trainees.  However, migrant women workers continued to face discrimination, threats of repatriation abroad, and poor working conditions.  How was the State party addressing these issues?  What measures were in place to address barriers to accessing health care for women with disabilities?

    Women’s representation in climate change decision making was low.  How would the Government address this, and ensure that extraterritorial investments protected women’s rights?  How would the State party take responsibility for monitoring nuclear standards with regards to the dumping of nuclear treatment water into the ocean?

    Another Committee Expert said that 94.7 per cent of women adopted their husband’s surname under the current single surname system.  This had negative impacts on their identity and employment. What were the prospects of reforming the law to allow for a dual surname system?

    What measures were in place to address the impact of discriminatory practices against children born out of wedlock?  There were barriers to women accessing assets in divorce settlements.  How was the Government working to train the judiciary on these issues so that justice could be imparted with a gender perspective?  How would it protect victims of family violence after the introduction of joint custody decisions?  Were there plans to increase court resources for this purpose?  Would the State party allow for adoption by same-sex couples?  The Committee suggested that the State party consider establishing equality between men and women regarding the appointment of female emperors.

    Responses by the Delegation

    The delegation said foreigners could be appointed to certain public servant positions, but not all positions.  In 2022, several thousands of inspections were carried out under the technical intern trainee law, which had identified human rights violations.  Employers that violated migrant workers’ rights were sanctioned.

    The Ministry of Environment was actively employing women. Discharged water from the Fukushima Daiichi nuclear plant was not contaminated with nuclear material.  The International Atomic Energy Agency had determined that the radiation impact of this water was negligible and that the disposal of this water into the ocean was safe.

    Opinions were mixed regarding selective separate surnames. The Government was offering information to deepen debate on the topic in the public and in the Diet.

    The best interests of the child needed to be considered regarding visitation rights for parents.  The revision of legislation on visitation did not harm the rights of children. In 2024, the Civil Code was revised to promote the separation of property after divorces.  The period in which claims could be made to family courts were extended from two to five years.  The revised law promoted the fair division of property.

    It was not appropriate for the Committee to raise the issue of revising the system of succession to the Imperial Throne of Japan.

    Questions by Committee Experts

    ANA PELÁEZ NARVÁEZ, Committee Chair, said that the Committee had capacity to raise relevant questions regarding equality between men and women, including regarding succession to the throne.  This was a topic that was directly relevant to the Convention.

    A Committee Expert welcomed that the Government had removed a policy offering grants to women to move away from Tokyo to get married. What was the level of engagement of women in policy making such as this?

    Another Committee Expert asked about efforts to ensure that family law included a gender perspective.

    Responses by the Delegation

    The delegation said the Japanese Government had set targets regarding the percentage of per- and polyfluoroalkyl substances in drinking water.  There had been no reports of health issues related to levels of these substances, but monitoring of water resources would continue to ensure the safety of the public.

    The Government would continue to support the capacity building efforts of family courts.  It was providing information about women’s ability to use maiden names to apply for certain State services.

    Concluding Remarks

    KEIKO OKADA, Director-General, Gender Equality Bureau, Cabinet Office of Japan and head of the delegation, said the delegation had engaged sincerely in the dialogue.  It hoped that the responses it had provided would be useful for the Committee.

    ANA PELÁEZ NARVÁEZ, Committee Chair, said that the dialogue had provided further insight into the situation of women in Japan.  The Committee encouraged the State party to undertake further efforts to implement the Convention more comprehensively for the benefit of all women and girls in the State.

     

    Produced by the United Nations Information Service in Geneva for use of the media; 
    not an official record. English and French versions of our releases are different as they are the product of two separate coverage teams that work independently.

     

    CEDAW24.030E

    MIL OSI United Nations News –

    January 24, 2025
  • MIL-OSI New Zealand: Assessments – New Zealand, UK, and Australia lead global list of economies engaging in sustainable trade best practices

    Source: Hinrich-IMD Sustainable Trade Index 2024

    New Zealand has topped the Hinrich-IMD Sustainable Trade Index (STI) 2024 for the third consecutive year, with the United Kingdom (UK) following in second place and Australia securing third. 

    The Index measures how well trade contributes to mutually beneficial and balanced economic, social, and environmental outcomes among 30 trading economies. (ref. https://www.hinrichfoundation.com/research/wp/sustainable/sustainable-trade-index-2024 )

    New Zealand (first) retains its top spot for the third consecutive edition and leads the environmental dataset.

    The UK is second for the third edition in a row. However, it does perform worse than in 2023 in the economic dataset.

    Australia (third) has risen two positions since last year. Its greatest progress is in the environmental dataset.

    Crucially, building “workforce resilience” is becoming a major goal of governments and the private sector worldwide, the report signals. This means having a healthy, educated, and unexploited workforce, which allows economies to better withstand shocks and seize emerging opportunities. “National resilience” and “environmental resilience” are also key concerns.

    “Workforce resilience” is part of a broader trend to encourage “societal resilience,” the authors say. Societal resilience is the effect of investments that foster both economic and social stability. New Zealand, Canada, Australia, Taiwan, and Singapore do best here.

    The Index is a joint project between the Hinrich Foundation and the International Institute for Management Development (IMD) and is in its third year.

    It measures 30 economies, including members and applicants of major trade alliances, such as the Asia-Pacific Economic Cooperation (APEC), the Comprehensive and Progressive Agreement for Trans-Pacific Partnership (CPTPP), and the Regional Comprehensive Economic Partnership (RCEP).

    “The STI allows us to track how effectively trading economies are meeting the three pillars of sustainability: economic growth, societal advancement, and environmental stewardship. Achieving balanced outcomes between the three pillars is essential for resilience,” said Kathryn Dioth, CEO of the Hinrich Foundation.

    “By investing in human capital, countries can build adaptable workforces capable of thriving amid economic fluctuations and global challenges,” said Christos Cabolis, Chief Economist of the IMD World Competitiveness Center, which led the research for IMD.

    Other major findings include:

    ·         Global trade is increasingly shaped by protectionist regulations, where economies favor policies that strengthen domestic industries and secure supply chains. This shift toward industrial policy, aimed at building economic resilience, marks a long-term trend, resulting in the fragmentation of the global trading system.

    ·         Addressing climate resilience is complex because tackling climate change often requires regulatory interventions, whereas global trade flourishes with fewer barriers. The emergence of climate and trade agreements that promote trade in environmental goods and services could balance the dual objectives of open trade while addressing climate change. 

    ·         A few mid-ranking economies have shown consistent progress or stability over the last three years (2022-2024). Amongst them, Thailand gained three spots in the STI from 2022 to reach 12th place this year, Vietnam recorded a six-place rise, and Chile held a steady position at 11th across the three years.

    The Index measures 72 data points, categorized into three “pillars”: economic, societal, and environmental, considered by the researchers to be the main axes of sustainable trade. They represent economic growth, societal well-being, and environmental stewardship, respectively.

    A new indicator measuring universal health coverage (UHC) from the WHO’s Global Health Observatory (GHO) was introduced to the societal pillar in this edition.

    About the Hinrich Foundation

    The Hinrich Foundation is an Asia-based philanthropic organization that works to advance mutually beneficial and sustainable global trade. We believe sustainable global trade strengthens relationships between nations and improves people’s lives. We support original research and education programs that build understanding and leadership in global trade. Our approach is independent, fact-based, and objective. We are an authoritative source of knowledge, sharp analysis, and fresh thinking for policymakers, business, media, and scholars engaged in global trade.

    hinrichfoundation.com

    MIL OSI New Zealand News –

    January 24, 2025
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