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  • MIL-OSI: Security Federal Corporation Announces Increase in First Quarter Earnings

    Source: GlobeNewswire (MIL-OSI)

    AIKEN, S.C., May 01, 2025 (GLOBE NEWSWIRE) — Security Federal Corporation (the “Company”) (OTCBB: SFDL), the holding company for Security Federal Bank (the “Bank”), today announced earnings and financial results for the quarter ended March 31, 2025.

    The Company reported net income available to common shareholders of $2.6 million, or $0.81 per common share, for the quarter ended March 31, 2025, compared to $1.8 million, or $0.54 per common share, for the first quarter of 2024. The increase in net income available to common shareholders was primarily due to increases in net interest income and non-interest income, as well as a decrease in the provision for credit losses, which were partially offset by an increase in non-interest expense, provision for income taxes and the payment of preferred stock dividends during the first quarter of 2025.

    First Quarter Financial Highlights

    • Net interest income increased $1.2 million, or 12.5%, to $11.2 million as interest income increased and interest expense decreased.
    • Total interest income increased $514,000, or 2.7%, to $19.2 million while total interest expense decreased $733,000, or 8.4%, to $8.0 million during the first quarter of 2025 compared to the same quarter in 2024. The increase in interest income was the result of a $1.6 million increase in interest income from loans, which was partially offset by a decrease in interest income from investments and other interest-earning assets. Interest expense decreased during the first quarter of 2025 due to lower market interest rates and the payoff of outstanding borrowings with the Federal Reserve, which resulted in a lower balance of average interest-bearing liabilities compared to the first quarter of 2024.
    • Non-interest income increased $122,000, or 5.3%, to $2.4 million during the first quarter of 2025 compared to the same quarter in the prior year primarily due to a $60,000 increase in rental income and $62,000 gain on sale of land held for sale. During the first quarter of 2025, we purchased a multi-tenant property resulting in an increase to rental income. The property is intended to be the future site of a full-service branch.
    • Non-interest expense increased $205,000, or 2.1%, to $9.8 million during the quarter ended March 31, 2025, compared to the same quarter in the prior year primarily due to a $256,000 increase in salaries and expenses for employee benefits, which was partially offset by a decrease in expenses for advertising and depreciation and maintenance of equipment.
      Quarter Ended
    (Dollars in Thousands, except for Earnings per Share) 3/31/2025   3/31/2024
    Total interest income $ 19,233     $ 18,719  
    Total interest expense   8,004       8,737  
    Net interest income   11,229       9,982  
    Provision for credit losses   –       335  
    Net interest income after provision for credit losses   11,229       9,647  
    Non-interest income   2,443       2,321  
    Non-interest expense   9,840       9,635  
    Income before income taxes   3,832       2,333  
    Provision for income taxes   826       580  
    Net income   3,006       1,753  
    Preferred stock dividends   415       –  
    Net income available to common shareholders $ 2,591     $ 1,753  
    Earnings per common share (basic) $ 0.81     $ 0.54  
                   

    Credit Quality

    • The Bank recorded no provision for credit losses during the first quarter of 2025 compared to $300,000 in provision for credit losses on loans and $35,000 in provision for credit losses on unfunded commitments, resulting in a total provision for credit losses of $335,000 for the first quarter of 2024.
    • Non-performing assets were $7.3 million, or 0.46% of total assets, at March 31, 2025, compared to $7.6 million, or 0.47% of total assets, at December 31, 2024.
    • The allowance for credit losses as a percentage of gross loans was 1.99% at March 31, 2025, compared to 1.98% at December 31, 2024.
               
    At Period End (dollars in thousands): 3/31/2025
    		   12/31/2024
    		   3/31/2024
    Non-performing assets $ 7,264     $ 7,636     $ 6,635  
    Non-performing assets to total assets   0.46%       0.47%       0.44%  
    Allowance for credit losses $ 14,005     $ 13,894     $ 12,842  
    Allowance for credit losses to gross loans   1.99%       1.98%       1.95%  
                           

    Balance Sheet Highlights and Capital Management

    • Total assets were $1.6 billion at March 31, 2025, a year-over-year increase of $65.8 million, or 4.3%, and a $27.7 million, or 1.7% decrease from the prior quarter.
    • Cash and cash equivalents decreased $45.2 million during the first quarter of 2025 to $133.1 million at March 31, 2025 primarily because of the repayment of borrowings with the Federal Reserve.
    • Total loans receivable, net was $689.1 million at March 31, 2025, an increase of $2.0 million, or 0.3%, since December 31, 2024.
    • Investment securities increased $13.7 million, or 2.1%, during the quarter to $674.6 million at March 31, 2025, purchases of investment securities exceeded maturities and principal paydowns.
    • Deposits increased $21.5 million, or 1.6%, during the first quarter to $1.3 billion at March 31, 2025.
    • Borrowings decreased $53.6 million, or 57.6%, during the quarter to $39.4 million at March 31, 2025, primarily due to the repayment of borrowings with the Federal Reserve Bank.
    • Common equity book value per share increased to $32.57 at March 31, 2025, from $31.21 at December 31, 2024.
               
    Dollars in thousands (except per share amounts) 3/31/2025   12/31/2024
    		   3/31/2024
    Total assets $ 1,584,027     $ 1,611,773     $ 1,518,214  
    Cash and cash equivalents   133,080       178,277       92,775  
    Total loans receivable, net   689,111       687,149       646,007  
    Investment securities   674,569       660,823       691,554  
    Deposits   1,345,548       1,324,033       1,205,879  
    Borrowings   39,391       92,964       125,383  
    Total shareholders’ equity   186,738       182,389       174,569  
    Common shareholders’ equity   103,789       99,440       91,620  
    Common equity book value per share $ 32.57     $ 31.21     $ 28.41  
    Total risk based capital to risk weighted assets (1)   20.16%       19.96%       19.27%  
    CET1 capital to risk weighted assets (1)   18.90%       18.71%       18.01%  
    Tier 1 leverage capital ratio (1)   10.58%       9.88%       9.91%  
    (1) – Ratio is calculated using Bank only information and not consolidated information
         

    Security Federal has 19 full-service branches located in Aiken, Ballentine, Clearwater, Columbia, Graniteville, Langley, Lexington, North Augusta, Ridge Spring, Wagener and West Columbia, South Carolina and Augusta and Evans, Georgia. A full range of financial services, including trust and investments, are provided by the Bank and insurance services are provided by the Bank’s wholly owned subsidiary, Security Federal Insurance, Inc.  

    Forward-looking statements:

    Certain matters discussed in this press release may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. These forward-looking statements relate to, among other things, expectations of the business environment in which the Company operates, projections of future performance, perceived opportunities in the market, potential future credit experience, and statements regarding the Company’s mission and vision. These forward-looking statements are based upon current management expectations and may, therefore, involve risks and uncertainties. The Company’s actual results, performance, or achievements may differ materially from those suggested, expressed, or implied by forward-looking statements as a result of a wide variety or range of factors including, but not limited to: potential adverse impacts to economic conditions in our local market area or other aspects of the Company’s business, operations or financial markets, including, without limitation, as a result of employment levels, labor shortages and the effects of inflation, a potential recession or slowed economic growth; economic conditions in the Company’s primary market area; demand for residential, commercial business and commercial real estate, consumer, and other types of loans; success of new products; competitive conditions between banks and non-bank financial service providers; changes in the Community Development Capital Initiative (CDCI) Program; changes in management’s business strategies, including expectations regarding key growth initiatives and strategic priorities; legislative or regulatory changes that adversely affect the Company’s business, including the interpretation of regulatory capital or other rules; the ability to attract and retain deposits; the availability of resources to address changes in laws, rules, or regulations or to respond to regulatory actions; adverse changes in the securities markets; changes in accounting policies and practices, as may be adopted by the financial institution regulatory agencies or the Financial Accounting Standards Board, including additional guidance and interpretation on accounting issues and details of the implementation of new accounting methods; technology factors affecting operations, including disruptions, security breaches, or other adverse events, failures or interruptions in, or attacks on, our information technology systems or on the third-party vendors who perform critical processing functions for us; pricing of products and services; environmental, social and governance goals and targets; the effects of climate change, severe weather events, natural disasters, pandemics, epidemics and other public health crises, acts of war or terrorism, and other external events on our business; and other risks detailed in the Company’s reports filed with the Securities and Exchange Commission, including its Annual Report on Form 10-K for the fiscal year ended December 31, 2024. These factors should be considered in evaluating forward-looking statements, and undue reliance should not be placed on such statements. The Company does not undertake any responsibility to update or revise any forward-looking statement.

    The MIL Network –

  • MIL-OSI China: Xi Story: From grit to greatness, hard work builds a nation

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

    BEIJING, May 1 — Prior to International Workers’ Day 2025, the Great Hall of the People in Beijing — the heart of China’s political life — welcomed a proud assembly: over 2,000 exemplary representatives drawn from the country’s vast workforce of hundreds of millions.

    In a ceremony on Monday, President Xi Jinping joined technicians, judges, nurses, and farmers to recognize not only their vital contributions, but also the spirit of dedication and hard work that fuels a nation.

    Hailing the honorees as exemplars of the people and pillars of the country, Xi called on citizens to draw inspiration from them — staying grounded and working hard — so that, step by step, they can turn the grand vision of national rejuvenation into reality.

    Xi sent the message at the gathering marking the 100th anniversary of the All-China Federation of Trade Unions. It drives home a point he has long emphasized — great dreams are not achieved by waiting or chanting slogans; they are earned through hard work and determination.

    A LEADER FORGED THROUGH HARD WORK

    Xi’s respect for hard work is built on his own past.

    In 1969, just shy of 16, Xi arrived at Liangjiahe, a rugged village on the arid Loess Plateau in northwest China, to work the fields alongside the farmers who called the rural community home.

    He took on nearly every kind of task, but spent an especially large number of hours on one in particular: building the dams by compacting the earth layer by layer with heavy stone pounders.

    Xi threw himself into the labor. Day one left his hands blistered; day two saw them bleeding. Still, he kept working without complaint.

    “What a fine lad,” remarked the locals.

    The hard work did not end when Xi was elected Party chief of Liangjiahe in 1974. He rolled up his sleeves and led villagers in digging wells, building terraced fields, and installing biogas pits — gradually transforming the community.

    Living and working alongside the farmers for seven years, Xi grew from a slightly bewildered teenager into a man determined to serve the people.

    “Most importantly,” he later said, “I learned from my fellow farmers the values of respecting facts and working hard with perseverance.”

    Those formative years left an indelible mark on Xi, shaping the strong work ethic that has been his character either as village Party chief or general secretary of the Communist Party of China Central Committee.

    He works tirelessly, juggling domestic meetings, inspections and overseas visits — his schedule always packed to the brim.

    In a rare reflective moment during a foreign media interview, Xi was asked about life as China’s leader. His candid reply laid bare his sacrifice. “My personal time? It’s all consumed by work,” he said. “Entrusted by the people … I must put them first, serving with unwavering diligence.”

    MODEL WORKERS AS STARS

    “What a galaxy of stars,” Xi said at a conference room ahead of International Workers’ Day in 2013.

    By a “galaxy of stars,” he was referring to the 65 role models before him, those honored for their hard work in their industries over the past decades.

    Liang Jun, one of the earliest model workers, recounted how she helped turn northeast China’s barren land into a national granary.

    After listening to Liang’s story, Xi told the then 84-year-old lady, “Your deeds are well known to our generation. As the first female tractor driver in China, you are truly remarkable.”

    As a leader who emerged from the ranks of the working people, Xi not only respects them but is also committed to ensuring that their needs are met.

    Since Xi took the helm of China in 2012, the country has introduced more measures, laws and regulations to safeguard workers’ rights and interests.

    Moreover, Xi often visits workers during domestic inspection tours to personally assess their working and living conditions.

    In 2023, he inspected a residential community in Shanghai built to house workers such as construction laborers, delivery drivers and sanitation staff.

    He stepped into their homes and shared facilities — public kitchens, laundries — and spoke with them to understand their living conditions firsthand.

    “Migrant workers, who come to contribute to Shanghai, are equally the city’s masters,” he stressed. “It is our responsibility to ensure they can arrive, settle down, live comfortably, and thrive here.”

    INVESTMENT IN SKILLS FOR THE FUTURE

    At Monday’s celebration ceremony, Xi underscored the importance of adapting to the new wave of technological and industrial transformation and enhancing the workforce’s capabilities.

    “High-quality development cannot be achieved without high-quality work and innovation,” he said.

    This resonates with his consistent emphasis on the crucial role of skilled talent in advancing the manufacturing sector.

    Over the years, Xi’s passion for craftsmanship has taken him to factory floors across the country, where he encouraged engineers, technicians and workers to hone their skills and push boundaries.

    “Times may change and missions may shift, but the spirit of hard work, unity, and unyielding effort should never change,” he said at Monday’s ceremony.

    MIL OSI China News –

  • MIL-OSI: AutoScheduler.AI Discusses How Disjointed Tech Wreaks Havoc on Distribution on Supply Chain Now Podcast

    Source: GlobeNewswire (MIL-OSI)

    AUSTIN, Texas, May 01, 2025 (GLOBE NEWSWIRE) — AutoScheduler.AI, an innovative Warehouse Orchestration Platform and WMS accelerator, recently participated in a podcast on Supply Chain Now, the voice of supply chain. AutoScheduler CEO Keith Moore discussed how disjointed tech wreaks havoc on distribution with hosts Scott Luton and Jake Barr, who used AutoScheduler when he worked at P&G.

    To listen to the podcast, visit: https://www.youtube.com/watch?v=5m3bzn2vpls.

    “Distribution centers and warehouses have no shortage of challenges, including labor shortages, increased demand, and disparate automation and technology that doesn’t integrate well,” says Keith Moore, CEO of AutoScheduler.AI. “For enterprises serious about efficiency and resource maximization, AutoScheduler delivers dynamic orchestration tailored to warehouse complexities, ensuring every asset and process is optimized to support production, boost throughput, and drive profitability.”

    On the podcast “The Logistics Problem No One Talks About: How Disjointed Tech is Wreaking Havoc on Distribution,” AutoScheduler highlighted:

    • The real cost of scattered data and disconnected workflows.
      • Many companies build buffers to account for the disjointed information, resulting in excess inventory, additional labor, and underutilized automation. Adding more space and crew also adds unnecessary costs.
      • AutoScheduler improves the quality of work by eliminating the endless firefighting cycle of ensuring the right products arrive at the right place at the right time.

    “These buffers, costs, and challenges that exist because of the disjointed nature of systems wouldn’t exist in a perfect world because everything would just get where it needs to go,” adds Moore. “You would have optimized service at optimized cost. For example, a production schedule changes by the minute, so companies need to know what raw materials need to be brought to what line at what time. This must be perfectly orchestrated to get everything there so production continues running.”

    • Why traditional WMS and ERP solutions aren’t enough anymore.
      • The traditional WMS is not designed to optimize a facility’s overall constrained flows. An ERP doesn’t plan in size buckets for less than a day, but most changes in the warehouse occur in minutes, not days.
      • To meet customer delivery requirements, businesses need to know where inventory is, what inventory is going on which truck, how many pick processes are needed to get the inventory, and the capacity limits that the dock or production line can handle at a particular time. This can only be done with advanced mathematics like AI that can think further than the next 5, 10, or 20 minutes into the future.

    “The snowball effect that as all these changes, dilemmas, and delays add up, so we need to take a smarter, better, forward-looking approach with available technology, rather than using the very limiting traditional platforms that are out there,” adds Moore.

    • How visibility and orchestration eliminate operational silos.
      • Step one is to have a single pane of glass showing all the ingested data from the siloed units so you can pull together the threads that hold the data together and show how they will impact each other. AutoScheduler allows companies to have all the data in one place by integrating the data across platforms, giving businesses a single view of information, which enhances decision-making.
      • Step two is predictivity—being able to examine the data, examine known boundaries and conditions inside your facility, and start to predict what will happen.
      • Step three is “prescriptivity”—or orchestration—where you make decisions to optimize future outcomes.

    “With orchestration, we take all the data, do scenario modeling to figure out where the world’s going to break and where my bottlenecks are going to be, and then start to make tradeoffs to optimize outcomes – and at the end of the day, that optimized outcome is some combination of maximized service, minimized cost,” adds Moore.

    • AI’s role in integrating, predicting, and optimizing distribution workflows.
      • It creates calm out of the chaos because you have taken the prescriptive steps to create a cadence of activities where the people running the operations know what to execute next without stopping and waiting.
      • AI is evaluating all the different potential options for running a facility, not just for the next five minutes but for the next day or two, based on all known information.
    • What an intelligent, dynamic logistics platform looks like in action.
      • It harmonizes the data across all systems.
      • It continuously and dynamically runs and understands exactly how each site needs to operate.
      • It’s configurable so that when we model a site inside our platform, it is tuned to that site to understand how it operates and runs.
      • Identifies where the bottlenecks are – telling the who, what, where, and when.

    “With AutoScheduler.AI, people inside of facilities can spend their valuable time on fighting actual fires and not on the management of overall orchestration of work,” says Moore.

    About AutoScheduler.AI

    AutoScheduler.AI empowers you to take full control of your warehouse with a cloud-based solution that seamlessly integrates with your existing WMS/LMS/YMS or any other solution. We automate critical tasks like labor scheduling, dock management, and task sequencing, ensuring everything runs smoothly and efficiently. You’ve already invested in the software to run your warehouse—what we do is provide the orchestration layer that ties it all together to make real-time data driven decisions. With AutoScheduler.AI, you get smart orchestration for a smarter, more agile warehouse. For more information, visit: http://www.autoscheduler.ai.

    Contact:
    Becky Boyd
    MediaFirst PR
    Becky@MediaFirst.Net
    Cell: (404) 421-8497  

    A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/5cd16654-28f3-4390-b9d3-c358231e7c5c

    The MIL Network –

  • MIL-OSI Global: Laudato Si’: A look back on Pope Francis’s environmental legacy

    Source: The Conversation – Canada – By Donald Wright, Professor of Political Science, University of New Brunswick

    The Vatican’s College of Cardinals will soon gather in Rome to elect a new head of the Catholic Church following the death of Pope Francis.

    As the church prepares for the papal conclave, the world is assessing Francis’s legacy and his stance on the role of women in the church, LGBTQ+ rights and the needs of migrants and refugees.

    However, every assessment should include a discussion of Laudato Si’: On Care for Our Common Home, his 2015 encyclical on climate change.

    In many ways, it’s a remarkable document. At once rational and urgent, it calls on all of us — “every person living on this planet” — to think about what we are doing to the only planet we have.



    Read more:
    Three ways Pope Francis influenced the global climate movement

    Our common home, Francis wrote, “is like a sister with whom we share our life and a beautiful mother who opens her arms to embrace us.” And yet, we “have come to see ourselves as her lords and masters, entitled to plunder her at will.”

    The end result? Runaway climate change in the form of higher temperatures, extreme weather events and biodiversity loss. In this sense, reading Laudato Si’ — “Praise be to you” in Italian — is like reading an assessment report by the Intergovernmental Panel on Climate Change (IPCC).

    Unlike the IPCC report, however, Francis didn’t pull his punches. “The Earth, our home,” he wrote, “is beginning to look more and more like an immense pile of filth.”

    Francis didn’t hold back

    A few months after the publication of Laudato Si’, the world gathered in Paris to draft a new climate treaty. It too is a remarkable document. However, if the authors of the Paris Agreement couldn’t mention the economic roots of the climate crisis – they couldn’t even use the term fossil fuels — the pope could and did.

    Francis relentlessly called out our “models of growth which have proved incapable of ensuring respect for the environment,” our “irrational confidence in progress and human abilities” and our “blind confidence in technical solutions.”

    He was critical of “current models of production and consumption” and our faith in “the invisible forces of the market,” as well as our “misguided anthropocentrism” and our “throwaway culture.”

    Francis pointed a finger at obstructionism and denial. He worried about the rise of social media, which has led to disconnection from each other and from nature. And he was critical of “the idea of infinite or unlimited growth.”

    Although terribly “attractive to economists, financiers, and experts in technology,” it’s a fantasy based on the lie “that there is an infinite supply of the Earth’s goods.” There isn’t, and the planet is “being squeezed dry beyond every limit.”

    Using ironic quotation marks, he even criticized “green” rhetoric, so fashionable in eco-capitalist circles.

    It wasn’t the first time Francis talked about a global economy that doesn’t work. A few years earlier, in 2012, he caused a minor fit in some circles with the publication of Evangelli Gaudium. Wealth moves up, not down, he argued, while the poor are excluded and grow in number.

    The late American pundit Rush Limbaugh called it “pure Marxism.” Undeterred, Francis went further in Laudato Si’ when he linked the climate crisis to an economy premised on constant consumption.

    Former Florida Gov. Jeb Bush, a Catholic convert and at the time a presidential aspirant, told him to stick to his knitting: “I don’t get economic policy from my bishops or my cardinal or my pope.”

    Laudato Si’ and abortion

    Of course, Francis had stuck to his knitting in one important way: on at least four separate occasions in Laudato Si’, he singled out abortion — or, in his words, “eliminating children” — as part of the climate problem. He wrote:

    “Thinking that we enjoy absolute power over our own bodies turns, often subtly, into thinking that we enjoy absolute power over creation.”

    No, it doesn’t. Moreover, empowering women through access to birth control and abortion care is part of the solution to poverty in both the Global South and the Global North, something Francis cared deeply about, like his namesake St. Francis of Assisi.



    Read more:
    Francis − a pope who cared deeply for the poor and opened up the Catholic Church

    In 2023, Francis published Laudate Deum, a short followup to Laudato Si’. At the same time as he urged the world to act, he condemned those who blame climate change on the poor for having so many children and who “attempt to resolve the problem by mutilating women in less developed countries.”

    According to one Catholic news and information site, this was an apparent reference “to campaigns in favour of contraception and abortion regularly conducted by the West.”

    Centuries of pro-life absolutism in the Catholic Church meant that Francis couldn’t make the connection between women’s lack of bodily autonomy and poverty, and between reproductive justice and climate justice, and, in part, the idea that climate change disproportionately impacts women.

    Still, Laudato Si’ invites all of us to connect the dots between growth, consumption, poverty and climate breakdown. One doesn’t need to be Catholic, or even religious, to read Pope Francis’s encyclical on climate change for what it is: a powerful and deeply moral reminder that the climate is not something separate from us.

    To quote Francis, it’s a “common good” that belongs to all of us.

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

    – ref. Laudato Si’: A look back on Pope Francis’s environmental legacy – https://theconversation.com/laudato-si-a-look-back-on-pope-franciss-environmental-legacy-255604

    MIL OSI – Global Reports –

  • MIL-OSI United Kingdom: Starmer treating Scotland as an afterthought as he avoids by-election

    Source: Scottish National Party

    Scotland will always be an afterthought to Labour

    Keir Starmer’s reported absence from the Hamilton, Larkhall and Stonehouse is yet another example of how the Labour party treats Scotland, says Katy Loudon, the SNP’s candidate in the by-election.

    In comments reported in the Daily Record, Labour’s Scottish leader, Anas Sarwar said that he didn’t expect Keir Starmer to be campaigning in the by-election, excusing his absence on the basis of “national security”. Yet he has found time to campaign in local elections in England.

    Other reports describe how Keir Starmer is not playing well on the doorsteps in light of widespread backlash to Labour decisions like cutting the Winter Fuel Payment from 900,000 Scottish pensioners, and £5 billion of cuts to support for people with disabilities.

    Katy Loudon said his absence shows that Scotland is little more than an afterthought to this Labour government, and it is no surprise he will be avoiding this by-election.

    “The Labour Party has lost its way, saying they’ll reduce bills by £300 and then doing the opposite and cutting support for disabled people”, she said.

    She continued by saying, “The Prime Minister is clearly embarrassed by his own record, but he owes it to the people of Hamilton, Larkhall and Stonehouse to answer for it.

    “While Keir Starmer remains missing in action, the SNP under John Swinney’s leadership is taking action to keep key bills lower and improve our NHS.”

    Cllr Loudon concluded: “This election is a chance to send a message to Labour that we expect them to keep their promises  – and to vote for the SNP, a party that always wants what’s best for Scotland.”

    MIL OSI United Kingdom –

  • MIL-OSI: APPlife Digital Solutions, Inc. Announces Definitive Agreement to Acquire Sugar Auto Parts, Inc.

    Source: GlobeNewswire (MIL-OSI)

    SAN FRANCISCO, May 01, 2025 (GLOBE NEWSWIRE) — APPlife Digital Solutions, Inc. (OTCQB: ALDS) (“APPlife” or “the Company”), a business incubator and portfolio manager specializing in e-commerce and cloud-based solutions, today announced the signing of a definitive agreement (“Agreement”) to acquire Sugar Auto Parts, Inc., a Nevada corporation.

    The acquisition is anticipated to close in May 2025, subject to customary closing conditions outlined in the Agreement. Shareholders and interested parties can find comprehensive details regarding the transaction in the Company’s forthcoming 8-K filing with the Securities & Exchange Commission, expected within the next five business days.

    ABOUT APPLIFE DIGITAL SOLUTIONS, INC.
    APPlife Digital Solutions Inc., with offices in San Francisco, CA., and Shanghai, China, is a business incubator and portfolio manager that creates and invests in e-commerce and cloud-based solutions. The Company invests in and develops solutions for work, home life, recreation, and research that make users more productive and efficient, whether at work, home, or traveling the world. APPlife’s cloud-based businesses are designed to provide easy-to-use life solutions, often to address everyday issues and needs. They include a wide array of topics and needed services to cover the full marketplace across the spectrum. For more information, visit www.applifedigital.com.

    Contact Information:
    APPlife Digital Solutions
    Investor Relations
    Tel: (585) 232-5440
    Email: jody@applifedigital.com

    FORWARD-LOOKING STATEMENTS 
    This news release includes forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934, as amended, regarding, among other things our plans, strategies, and prospects — both business and financial. Although we believe that our plans, intentions, and expectations reflected in or suggested by these forward-looking statements are reasonable, we cannot assure you that we will achieve or realize these plans, acquisitions, intentions, or expectations. Forward-looking statements are inherently subject to risks, uncertainties, and assumptions. Many of the forward-looking statements contained in this news release may be identified by the use of forward-looking words such as “believe,” “expect,” “anticipate,” “should,” “planned,” “will,” “may,” “intend,” “estimated,” and “potential,” among others. Important factors that could cause actual results to differ materially from the forward-looking statements we make in this news release include market conditions and those set forth in reports or documents that we file from time to time with the United States Securities and Exchange Commission. All forward-looking statements attributable to APPlife Digital Solutions, Inc. or a person acting on its behalf are expressly qualified in their entirety by this cautionary language.

    The MIL Network –

  • MIL-OSI USA: Luttrell Applauds Historic Border Security and National Defense Investments

    Source:

    WASHINGTON — Congressman Morgan Luttrell (R-TX) released the following statement after the House Homeland Security Committee and the House Armed Services Committee advanced major reconciliation packages that deliver on President Trump’s “Promises Made, Promises Kept” agenda, which secures America’s borders, rebuilds our military, and restores American strength on the world stage.

    “House Republicans followed through on our commitment to the American people. We’re bringing law and order back to our border, and we’re rebuilding American strength around the world.

    We’re building the wall, expanding Border Patrol forces, investing in the advanced technology, and taking the fight to the cartels and stopping the flow of drugs and human trafficking into our communities,” said Congressman Luttrell. 

    Luttrell continue, “We’re also making a generational investment to secure America’s future. We’re rebuilding our Navy, ramping up production of munitions and advanced weapons, modernizing our nuclear deterrent, accelerating our capabilities in cyber warfare and hypersonic weapons, building the Golden Dome missile defense shield to protect our country, enhancing forces to deter Communist China in the Pacific, and ensuring our servicemembers have the housing, healthcare, and support they have earned.

    We are restoring American deterrence, defending American sovereignty, and securing the American Dream for generations to come. Promises made, promises kept.”

    The Homeland Security Committee reconciliation package includes:

    • $46.5 billion to complete 701 miles of primary border wall, 900 miles of river barriers, and 629 miles of secondary barriers, integrating cutting-edge surveillance and technology.
    • $5 billion to modernize and expand CBP facilities.
    • $4.1 billion to hire 8,200 new CBP personnel, including Border Patrol agents, customs officers, and air and marine agents.
    • $2 billion for CBP workforce retention and recruitment incentives.
    • $2.7 billion to expand border surveillance and counter-drone technologies.
    • $1.076 billion to strengthen non-intrusive inspection systems at ports of entry.
    • $625 million for security planning for the 2026 FIFA World Cup, with Houston as one of the host cities.

    The Armed Services Committee reconciliation package includes:

    • $9 billion to improve Servicemember Quality of Life including housing, healthcare, and family support.
    • $34 billion for Shipbuilding and the Maritime Industrial Base to strengthen the Navy and invest in autonomous technologies.
    • $25 billion to develop the “Golden Dome” missile defense shield and counter hypersonic threats.
    • $21 billion to replenish America’s arsenal and expand production of critical minerals and munitions.
    • $14 billion to expedite innovation, scaling game-changing technology to the warfighter.
    • $13 billion to modernize and strengthen America’s nuclear deterrent.
    • $12 billion to enhance military readiness, including improving depots and shipyards.
    • $11 billion to expand Pacific deterrence and improve readiness.
    • $7 billion to reverse fighter force declines and accelerate next-generation air superiority.
    • $5 billion for Department of Defense (DoD) border security operations supporting Department of Homeland Security efforts.
    • $400 million to ensure fiscal responsibility through a historic clean audit initiative at DoD.

    MIL OSI USA News –

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

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

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

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

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

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

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

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

    You can find the passport application HERE.

    ###

    MIL OSI USA News –

  • MIL-OSI Global: As heated tobacco products reenter the US market, evidence on their safety remains sparse – new study

    Source: The Conversation – USA – By Jamie Hartmann-Boyce, Assistant Professor of Health Promotion and Policy, UMass Amherst

    Most studies on the safety of heated tobacco products are funded by tobacco companies. YaroslavKryuchka/iStock via Getty Images Plus

    Heated tobacco products are often marketed by tobacco companies as less harmful than cigarettes, but they can pose health risks to users, according to a new review I co-authored in the journal Tobacco Control. Evidence on their health risks in people who smoke is limited, sometimes contradictory, and hard to make sense of.

    Heated tobacco products are electronic devices that heat tobacco so users can inhale nicotine. Common brands include IQOS, available in the U.S., and Ploom and Glo, sold in other countries.

    Heated tobacco products are different from e-cigarettes, though they may look similar. E-cigarettes, which are also called vapes, heat a liquid containing nicotine but not tobacco, whereas heated tobacco products heat actual tobacco leaf. Heated tobacco products are also different from traditional cigarettes, which burn tobacco rather than heating it. These distinctions matter because it’s the burning of tobacco leaf – not the nicotine – that directly causes the disease and death associated with smoking.

    There is limited long-term data about the health harms of heated tobacco products. My colleagues and I analyzed the available data, drawn from 40 clinical trials, that followed participants who used these products for a year or less. We looked at molecular changes in the blood, breath and urine, called biomarkers, to explore the potential risks of heated tobacco products.

    The studies we reviewed reported changes in 143 different biomarkers, including measures linked to heart disease and cancer. But drawing clear conclusions from the data was hard because of issues with the available evidence. Of the 40 studies, 29 were funded by the tobacco industry. Furthermore, 31 of the 40 studies were conducted in confined settings, meaning that participants’ activities and their use of the assigned product were controlled. This may not reflect heated tobacco products’ real-world use.

    If heated tobacco products are less harmful than cigarettes, we would expect to see largely beneficial effects in smokers who switched to them. However, the evidence we reviewed was inconclusive. Though most studies suggested that heated tobacco products might reduce risks of disease compared with smoking, other studies found no difference, or even the potential of increased risk. Compared with quitting smoking completely, use of heated tobacco products had more consistently harmful effects.

    Tobacco companies claim that heated tobacco products pose less of a health risk than cigarettes.

    Few studies have directly compared the effects of heated tobacco products with e-cigarettes. However, many independently funded, longer-term studies have examined e-cigarettes and have shown they can help people stop smoking and reduce health risks in people who switch completely from smoking to vaping.

    Why it matters

    Heated tobacco products may be coming to a town near you – or already be there. They are already widely used in Japan. IQOS was removed from the U.S. market in 2021 after a court ruled that the product had infringed on an existing patent. However, following a flurry of promotional activities, IQOS relaunched in March 2025 in Austin, Texas. Like most heated tobacco product brands, IQOS is owned by one of the largest cigarette companies in the world, Philip Morris International.

    The company claims it wants to bring IQOS to the U.S. market to provide smoking adults a “better alternative” to cigarettes. But the science we’ve reviewed on whether heated tobacco products are truly healthier is inconclusive. Our review found inconsistencies in data on health effects, and other research suggests these products may not help smokers quit.

    What still isn’t known

    We do not know the long-term health effects of heated tobacco products, nor whether they can actually reduce the risk of disease and death in people who switch from smoking to using heated tobacco products. It is also unclear how heated tobacco products fit into the wider tobacco and nicotine market, especially in light of other available products and interventions already proved to help smokers quit.

    While our findings do not rule out the possibility that these products have fewer health risks than cigarettes, they provide little support for such claims.

    Jamie Hartmann-Boyce receives research funding for tobacco related research from the US NIH-FDA and Cancer Research UK. She has provided research consultancy for the Truth Initiative. Her involvement in this work was not funded and the views expressed here are those of the researchers and do not necessarily represent those of her funders. Other authors of this work are funded by Bloomberg Philanthropies as part of the Bloomberg Initiative to Reduce Tobacco use. This funder had no role in the study design, data collection and analysis, decision to publish, or preparation of the manuscript.

    – ref. As heated tobacco products reenter the US market, evidence on their safety remains sparse – new study – https://theconversation.com/as-heated-tobacco-products-reenter-the-us-market-evidence-on-their-safety-remains-sparse-new-study-254278

    MIL OSI – Global Reports –

  • MIL-OSI Global: What makes people flourish? A new survey of more than 200,000 people across 22 countries looks for global patterns and local differences

    Source: The Conversation – USA – By Victor Counted, Associate Professor of Psychology, Regent University

    Flourishing is about your whole life being good, including the people and places around you. Westend61 via Getty Images

    What does it mean to live a good life? For centuries, philosophers, scientists and people of different cultures have tried to answer this question. Each tradition has a different take, but all agree: The good life is more than just feeling good − it’s about becoming whole.

    More recently, researchers have focused on the idea of flourishing, not simply as happiness or success, but as a multidimensional state of well-being that involves positive emotions, engagement, relationships, meaning and accomplishment − an idea that traces back to Aristotle’s concept of “eudaimonia” but has been redefined within the well-being science literature.

    Flourishing is not just well-being and how you feel on the inside. It’s about your whole life being good, including the people around you and where you live. Things such as your home, your neighborhood, your school or workplace, and your friends all matter.

    We are a group of psychological scientists, social scientists and epidemiologists who are all contributors to an international collaboration called the Global Flourishing Study. The goal of the project is simple: to find patterns of human flourishing across cultures.

    Do people in some countries thrive more than others? What makes the biggest difference in a person’s well-being? Are there things people can do to improve their own lives? Understanding these trends over time can help shape policies and programs that improve global human flourishing.

    What does the flourishing study focus on?

    The Global Flourishing Study is a five-year annual survey of over 200,000 participants from 22 countries, using nationally representative sampling to understand health and well-being. Our team includes more than 40 researchers across different disciplines, cultures and institutions.

    With help from Gallup Inc., we asked people about their lives, their happiness, their health, their childhood experiences, and how they feel about their financial situation.

    The study looks at six dimensions of a flourishing life:

    1. Happiness and life satisfaction: how content and fulfilled people feel with their lives.

    2. Physical and mental health: how healthy people feel, in both body and mind.

    3. Meaning and purpose: whether people feel their lives are significant and moving in a clear direction.

    4. Character and virtue: how people act to promote good, even in tough situations.

    5. Close social relationships: how satisfied people are with their friendships and family ties.

    6. Financial and material stability: whether people feel secure about their basic needs, including food, housing and money.

    We tried to quantify how participants are doing on each of these dimensions using a scale from 0 to 10. In addition to using the Secure Flourish measure from Harvard’s Human Flourishing Program, we included additional questions to probe other factors that influence how much someone is flourishing.

    For example, we assessed well-being through questions about optimism, peace and balance in life. We measured health by asking about pain, depression and exercise. We measured relationships through questions about trust, loneliness and support.

    Who is flourishing and why?

    Our first wave of results reveals that some countries and groups of people are doing better than others.

    We were surprised that in many countries young people are not doing as well as older adults. Earlier studies had suggested well-being follows a U-shape over the course of a lifespan, with the lowest point in middle age. Our new results imply that younger adults today face growing mental health challenges, financial insecurity and a loss of meaning that are disrupting the traditional U-shaped curve of well-being.

    Married people usually reported more support, better relationships and more meaning in life.

    People who were working – either for themselves or someone else – also tended to feel more secure and happy than people who were seeking jobs.

    People who go to religious services once a week or more typically reported higher scores in all areas of flourishing – particularly happiness, meaning and relationships. This finding was true in almost every country, even very secular ones such as Sweden.

    It seems that religious communities offer what psychologists of religion call the four B’s: belonging, in the form of social support; bonding, in the form of spiritual connection; behaving, in the cultivation of character and virtue through the practices and norms taught within religious communities; and believing, in the form of embracing hope, forgiveness and shared spiritual convictions.

    But some people who attend religious services also report more pain or suffering. This correlation may be because religious communities often provide support during hard times, and frequent attendees may be more attentive to or more likely to experience pain, grief or illness.

    Your early years shape how you do later in life. But even if life started off as challenging, it doesn’t have to stay that way. Some people who had difficult childhoods, having experienced abuse or poverty, still found meaning and purpose later as adults. In some countries, including the U.S. and Argentina, hardship in childhood seemed to build resilience and purpose in adulthood.

    Globally, men and women report similar levels of flourishing. But in some countries there are big differences. For example, women in Japan report higher scores than men, while in Brazil, men report doing better than women.

    Where are people flourishing most?

    Some countries are doing better than others when it comes to flourishing.

    Indonesia is thriving. People there scored high in many areas, including meaning, purpose, relationships and character. Indonesia is one of the highest-scoring countries in most of the indicators in the whole study.

    Mexico and the Philippines also show strong results. Even though these countries have less money than some others, people report strong family ties, spiritual lives and community support.

    Japan and Turkey report lower scores. Japan has a strong economy, but people there report lower happiness and weaker social connections. Long work hours and stress may be part of the reason. In Turkey, political and financial challenges may be hurting people’s sense of trust and security.

    One surprising result is that richer countries, including the United States and Sweden, are not flourishing as well as some others. They do well on financial stability but score lower in meaning and relationships. Having more money doesn’t always mean people are doing better in life.

    In fact, countries with higher income often report lower levels of meaning and purpose. Meanwhile, countries with higher fertility rates often report more meaning in life. These findings show that there can be a trade-off. Economic progress might improve some things but weaken others.

    One of the authors reflects on what the survey data reveals about what helps people truly flourish across the world.

    The big picture

    The Global Flourishing Study is helping us see that people all over the world want many of the same basic things: to be happy, healthy, connected and safe. But different countries reach those goals in different ways. There is no one-size-fits-all answer to flourishing. What it means to flourish can look different from place to place and from one person to another.

    One challenge with the Global Flourishing Study is that it uses the same set of questions in all 22 countries. This method, known as an etic approach, helps us compare results across cultures. But it can miss the nuance and local meanings of flourishing. What brings happiness or purpose in one country or context might not mean the same thing in another.

    We consider this study to be a starting point. It opens the door for more emic studies – research that uses questions and ideas that fit the values, language and everyday life of specific cultures and societies. Researchers can build on this study’s findings to expand how we understand and measure flourishing around the world.

    Tyler J. VanderWeele reports consulting fees from Gloo Inc., along with shared revenue received by Harvard University in its license agreement with Gloo according to the University IP policy.

    Byron R. Johnson and Victor Counted do not work for, consult, own shares in or receive funding from any company or organization that would benefit from this article, and have disclosed no relevant affiliations beyond their academic appointment.

    – ref. What makes people flourish? A new survey of more than 200,000 people across 22 countries looks for global patterns and local differences – https://theconversation.com/what-makes-people-flourish-a-new-survey-of-more-than-200-000-people-across-22-countries-looks-for-global-patterns-and-local-differences-243671

    MIL OSI – Global Reports –

  • MIL-OSI Security: DHS Reveals Second Domestic Abuse Filing Filed by Kilmar Abrego Garcia’s Wife

    Source: US Department of Homeland Security

    So-called “Maryland Dad’s” Track Record of Violence 

    WASHINGTON – On Wednesday April 30, the Department of Homeland Security (DHS) revealed that the wife of Kilmar Abrego Garcia — the so-called “Maryland Dad”—filed a petition for protection against him in 2020.  

    “The facts are clear: Kilmar Abrego Garcia is a violent illegal alien who abuses women and children. He had no business being in our country and we are proud to have deported this violent thug,” Assistant Secretary Tricia McLaughlin said in a statement. “We have now found two petitions for protection against him, in addition to the fact that he entered the country illegally and is a confirmed member of MS-13. Our country is safer with him gone.” 

    According to the petition filed by Jennifer Vasquez on August 3, 2020, in the District Court of Maryland for Prince George’s County, Garcia verbally abused her, kicked her, slapped her, shoved her, mentally abused her kids, locking them in their bedroom while they cried, and detained Vasquez against her will. In November 2019, Vasquez alleges that Garcia grabbed her by the hair while in a vehicle. In December 2019, she states Garcia grabbed her from her hair in the car and dragged her out of the vehicle–abandoning her in the street. In January 2020, Vasquez claims Garcia broke her son’s tablet and broke doors in their house. In March 2020, she alleges that Garcia pushed her against the wall while breaking phones and TVs. 

    This newly released petition was filed in 2020, prior to the petition Vasquez filed against Garcia 2021. In that filing, Vasquez claimed he bruised, punched, and scratched her while ripping off her shirt. 

    DHS has previously revealed that Garcia was involved in a suspected human trafficking incident, is an MS-13 gang member, and had been accused of domestic abuse on at least one other occasion. Still, the media continues to call him a victim while ignoring the real victims: the women he battered, the children he terrorized, and the communities he endangered. 

    The Aug. 2020 protection order petition can be found here.

    MIL Security OSI –

  • MIL-OSI: Best Online Casinos: JACKBIT Rated Top Casino Site In 2025

    Source: GlobeNewswire (MIL-OSI)

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              Legal Disclaimer

              This content is for informational and entertainment purposes only and should not be interpreted as legal, financial, or gambling advice. All information is presented “as is,” with no warranties regarding accuracy or completeness. Readers are responsible for verifying information and ensuring compliance with local gambling laws. Gambling involves financial risk and potential addiction. Gamble responsibly, only wagering what you can afford to lose. Seek help from organizations like the National Council on Problem Gambling if needed. Some links may be affiliate links, earning a commission at no cost to you. JACKBIT is licensed outside your jurisdiction and may be restricted in certain regions.

              A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/dffa4a83-8d63-4896-b946-7c34d8acc993

              The MIL Network –

  • MIL-OSI: TravMark’s 2024 Claims Report Reveals Setbacks Families Face When Kids Go Away to Summer Camps & Travel Programs

    Source: GlobeNewswire (MIL-OSI)

    HO-HO-KUS, N.J., May 01, 2025 (GLOBE NEWSWIRE) — TravMark, a specialty insurance broker that has protected more than one million travelers, including youth program and summer camp participants, today released a first-of-its-kind analysis on the reasons families make insurance claims on behalf of their children attending summer camps and programs. The examination of claims made by the parents of 10,000 TravMark-insured campers and travelers in 2024 showed that the need to use an insurance policy is most often based on events that can happen to anyone before or during these wonderful experiences.

    TravMark’s 2024 Summer Camp & Program Insurance Utilization Report found that 41% of claims were related to sickness and 17.5% due to accidental injury, while 36.8% of claims involved families using a “cancel for any reason (CFAR)” option prior to traveling. Overall, just over half (50.5%) of claims were made to cancel prior to departure.

    “Our 2024 Summer Camp & Program Insurance Utilization Report highlights the fact that insured families file claims for a diverse array of reasons and it’s generally not about ‘that will never happen’ events,” said Mark Ceslowitz, president and chief executive officer of TravMark. “Camp and youth travel programs are memorable experiences that shape children’s lives in so many meaningful ways – ones that families typically spend thousands of dollars on each year. TravMark uses decades of data and real-world case studies to protect that investment, shaping policies that truly protect young campers and travelers.”

    There are two parts to most travel insurance policies, including those offered for summer camps and youth travel programs: cancellation insurance, which covers the period before departing home for covered reasons (medical, etc.) and often includes the CFAR option that generally protects the insured person until two days prior to leaving; and interruption insurance, which then takes over if the stay is interrupted or impacted for covered reasons.

    TravMark 2024 Summer Program Claims by Type:

    • Trip Cancellation: 50.5%
    • Trip Interruption: 21.3%
    • Travel Delay: 13.7%
    • Travel Medical: 11.9%
    • Baggage: 2.6%

    TravMark 2024 Details of Cancellation Claims by Type:

    • Sickness: 41%
    • Cancel for Any Reason: 36.8%
    • Accidental Injury: 17.5%
    • Death of a family member 3.8%
    • Other: 0.9%

    Protecting Physical & Mental Health

    TravMark is one of the few companies to remove psychological exclusions from many of its policies, providing coverage that recognizes the significance of mental health to effectively support the needs of today’s youth.

    “Going to summer camp or traveling on your own – for the first time or any time – can be an overwhelming experience for many children and their families, and insurance protection offers valuable peace of mind,” said Shannon Lofdahl, TravMark managing director. “From ensuring you are financially covered for medical issues that might arise to reducing the unease that your plans might change before summer arrives, camp and youth program insurance helps assure that you are making the most of summer.”

    TravMark works with camp registration platforms, standalone camps and individual families to provide insurance that meets the unique needs of both campers and camps. With more than 20,000 year-round and summer camps annually serving 26 million campers, according to the American Camping Association, it’s a thriving industry where too few insurance providers have the experience and insight to effectively protect campers and camp operators.

    To learn more about TravMark’s camp insurance options, visit TravMark.com.

    About TravMark
    Established in 2000, TravMark provides all forms of business and individual insurance programs, assisting travel providers and program operators with their insurance needs. Based in Ho-Ho-Kus, New Jersey, TravMark insures travelers and program participants through its custom developed plans, focusing on the unique demands of the market and the changing demands of travelers in today’s travel environment. TravMark is a proud member of the U.S. Travel Insurance Association (USTIA), U.S. Tour Operator Association (USTOA), Student Youth Travel Association (SYTA) and American Camp Association (ACA).

    Contact:
    Lisa Trapani for TravMark
    ltrapani@rosecomm.com
    Cell: 410-245-0094

    An infographic accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/dc887f1a-4a27-4d46-826f-55db45fef54c

    The MIL Network –

  • MIL-OSI: 1 Hour Payday Loans Online No Credit Check Direct Lenders Guaranteed Approval – IOnline Payday Loans

    Source: GlobeNewswire (MIL-OSI)

    SHERIDAN, Wyo., May 01, 2025 (GLOBE NEWSWIRE) — Life is full of surprises—medical bills, home or car repairs, or even travel expenses and sometimes you need a little help. In those situations, waiting days for instant payday loans approvals doesn’t make sense. That’s when 1 Hour Payday Loans with No Credit Check come out the smartest. The loans are meant to provide short-term financial relief, even if your credit isn’t great. In this guide, we’re going to break down how these fast loans function and their benefits. We’ll also explain the basics of IOnline Payday Loans, another trustworthy lender known for approving loans within the hour. Get emergency funds with an easy application and there’s no hard credit check with IOnline!

    Click Here to Apply for No Credit Check Loans >>

    1-Hour Payday Loans No Credit Check— What is it?

    1-Hour Payday Loans With No Credit Check are typically small loans— $100 to $1,500, that are meant to be used to cover emergency expenses, such as medical bills, car repairs or unpaid rent. The main characteristic of these loans is they do not require a standard credit check, such as the one conducted by banks, which often means that are available even to people with bad credit or no credit history at all.

    Lenders consider current income, employment status and the borrower’s repayment ability, not a credit score. Once approved, the funds tend to be deposited directly into the borrower’s bank account that day. But these loans carry high interest rates and are supposed to be repaid on the next payday, so that’s why they got the name. They provide a quick fix, but it’s important to use them responsibly — or you risk falling into a cycle of debt.

    Click Here to Apply for No Credit Check Loans >>

    Types of 1-Hour Payday Loans Online No Credit Check Instant Approval

    1-Hour payday loans online with no credit check instant approval can be in a variety of forms to suit a variety of short-term financial needs. 1-Hour payday loans online with no credit check instant approval or payday loans online no credit check instant approval can be in a variety of forms. All of them are based on fast approval and quick funding, but they have distinct terms and purposes. Here are the primary kinds, all with the option of immediate approval without any credit check:

    1. Traditional Payday Loans:

    Instant payday loans online can help borrowers receive $100 to $1,500 without heavy paperwork or long wait times. One-hour payday loans are these things that you if you could simply get one, would solve all of your problems. Borrowers are lent a small amount —usually between $100 and $1,500 and must repay it by their next payday. Lenders don’t make hard credit checks, but they look at income and employment. Money is sent 24/7 and arrives the same day if approved.

    2. Installment Payday Loans:

    Unlike traditional payday loans, installment loans allow you to repay in multiple payments, which are available through Personal Money Network and the direct lenders we work with, have the flexibility to repay in multiple payments over the period of your loan. These are perfect for borrowers who want the flexibility of more time for repayment.

    3. Bad Credit Payday Loans:

    Online payday loans for bad credit cater to borrowers with low credit scores, focusing on income and bank activity instead. These are loans for people with bad or no credit; they are offered and marketed specifically for borrowers in this situation. Lenders don’t use a credit score but instead look at your financial situation today — such as regular income and how much activity is in your bank account. Bad credit payday loans can be approved instantly and you can have the money in your account within an hour.

    4. Same-Day Payday Loans:

    Same-day payday loans are structured to guarantee that when you apply, the cash is deposited directly into your account within a few hours of approval. Same-day payday loans, or no credit check payday loans with same-day approval, are structured to guarantee. No credit checks, no prolonged procedures and no bureaucracy at all. Provided you satisfy a few basic eligibility criteria, including age, income, and bank account verification, you can have the money in your account in as little as a few hours, perfect for a financial emergency.

    How To Apply 1 Hour Payday Loans No Credit Check?

    Getting a 1-hour payday loan with no credit check is not difficult. Follow these simple measures so that your application gets approved:

    1. Select a Trusted Lender: Select a reputable, licensed lender such as IOnline Payday Loans, with quick approvals, secure sites and without hard credit checks.
    2. Complete the Online Application Form: Check the lender’s website and fill out a brief application. You will be required to provide your full name, contact information, employment details, income, and banking information.
    3. Submit Documents for Verification: As proof of identity and income, you will need to upload files including your government-issued ID (driver’s license or passport), recent pay stubs and a bank statement that demonstrates regular deposits.
    4. Wait For Instant Approval Decision: Once you’ve completed the form and uploaded your documents, the lender will process your application and provide a decision in minutes with no hard credit pull.
    5. Receive Funds Within 1 Hour: Once approved, the money is transferred directly into your bank account–often in an hour or less, because processing time varies from bank to bank.

    Some lenders even offer instant payday loans online with guaranteed approval, based solely on income verification.

    Features & Benefits of IOnline Payday Loans

    Here are the amazing benefits of choosing the IOnline Payday loans:

    • Easy online application: IOnline Payday Loans has made applying for a payday loan straightforward and easy. No long paperwork or in-person visits are required. This quick digital process means that you receive credit matching and approval even quicker, making it great for people who need access to money quickly to deal with emergencies or unexpected expenses.
    • High Approval Rates: IOnline Payday Loans has one of the highest approval rates in the market and can allow you to get money on the same day you apply. Also, IOnline connects users with a vast network of lenders, even those with bad credit can have a good shot at being approved.
    • No Hard Credit Checks: Unlike other lenders, IOnline Payday Loans does not perform hard credit checks which can have a detrimental effect on your credit score. Instead, they conduct soft checks or use other methods such as income verification or employment history.
    • Loan Amounts and Terms Vary: IOnline lends from $100 up to $5,000, with loan terms between 2 and 24 months. This variation allows borrowers to select a loan that best suits their circumstances and budget. Whether you need some quick cash for an emergency, or a little more with longer to repay, IOnline finds you the ideal loan that suits your personal financial circumstances without added pressure on you.
    • Clear Fees and Interest Rates: Transparency is one of the best attributes that customers appreciate at IOnline Payday Loans. Any fees, interest rates and repayment terms are disclosed to you before you accept the loan. APRs fall typically between 5.99% and 35.99%, depending on your lender and your financial profile.

    Why is IOnline Payday Loans the best choice for you?

    Here are some additional reasons which will make IOnline payday loans the best choice for your instant approval loan:

    1. Lending decisions for the public service: IOnline Payday Loans will consider borrowers who receive income through TANF and SSI. They accept those as legitimate sources of income, lending to people who are not conventionally employed.
    2. Completely Online—No Phone Calls: At IOnline Payday Loans, the entire money lending process is performed online, and phone calls are not needed. This allows the loan application process to be faster, more confidential and more accommodating.
    3. Loans for the Unemployed: Even if you are currently unemployed you may be eligible for a loan if you have regular income from other sources such as social security, pensions or benefits. Moreover, IOnline Payday Loans refers applicants to lenders who are all willing to help regardless of employment status.
    4. Flexible Repayment Terms: The loan periods range from 2 to 24 months, so borrowers may select their own repayment schedule based on their level of income. This eases the repayment burden and helps borrowers make their repayments more comfortable.

    Process For Application: IOnline Payday Loans

    To qualify for 1 Hour Payday Loans No Credit Check through IOnline Payday Loans, simply do the following:

    Step 1: Selecting Your Loan Amount

    Consider how much you really need and whether or not you really will be able to repay it on time. Look at your income and expenses, then select a repayment amount that feels comfortable to you. Ensure the repayments are within your budget—failure to meet repayments could mean additional charges and penalties.

    Step 2: Organize Your Documents

    You’ll have to include some documents to prove you qualify, and to help speed your application along. When you are ready to apply for a loan through IOnline Payday Loans, have the following prepared:

    • A government-issued ID
    • Evidence of having been paid in the last 3 months (such as bank statements or payslips)
    • Your bank account details

    Step 3: Complete Application Form

    The application form at IOnline Payday Loans is fast and simple to fill out. Click on the “Apply Now” button on the top right of the screen and fill out the form in a few minutes. You’ll provide your basic details, including your full name, email, zip code, loan amount and how long you need to repay it. Then, hit the “Next” button.

    Step 4: Check If You Qualify

    As you enter your personal information and the amount of the loan, you will also be asked for a little more detailed information including the status of your job, financial situation and monthly expenses. This is to see if you qualify for a loan and your details are kept safe all the way till they are received by IOnline Payday Loans & your lender.

    Step 5: Wait till you get a lender

    Once we have your information, IOnline Payday Loans will search our lender network for the right lender for you. This typically lasts only a couple of minutes, and in around 2 minutes you’ll find out whether you have a match or not. If you’re approved, you will be brought to the lender’s website to complete the process. And if you don’t find you’re approved, you’ll also definitely hear from us soon.

    Step 6: Sign the Contract & Receive Your Funds

    Once you’re matched with a lender, they’ll provide you with a loan agreement. Take the time to read through the terms, check the fees and be sure that it’s manageable for you. If you’re in agreement, simply sign and return the form — and you’re finished!

    Eligibility Requirements: IOnline Payday Loans

    There are fairly straightforward requirements you’ll need to meet to apply with most lenders. These usually include:

    1. Applicants must be at least 18 years of age to be eligible.
    2. You must bring an official, government-issued ID with you—a driver’s license or a passport.
    3. You must have a bank checking account name to get funds.
    4. You will need evidence of regular income, whether from work, benefits or other regular sources.
    5. They will require you to provide a permanent residential address and some lenders might request proof of your address.
    6. You do need to reside in a state the lender operates in, borrowing ranges by state.
    7. To qualify for online no credit check instant approval, applicants must meet basic eligibility like age, ID and income.
    8. U.S. citizenship, permanent residency or a long-term visa is usually a prerequisite.
    9. A legitimate social security number is frequently required for identity and credit verification.

    Types of Other No Credit Check Payday Loans

    Small Payday Loans Online No Credit Check:

    Small payday loans online no credit check are perfect for emergencies under $500 and usually come with fast approvals. These are small, short-term loans, usually in the range of $500 or less, that are made with no credit check. They are perfect for those few emergency costs and can be approved within a few minutes.

    $255 Online Payday Loans Same Day No Credit Check:

    These loans are for $255 and they are meant to be taken out and returned the same day—no traditional credit check is required. They’re a favourite in states like California that have eyes on such loan amounts. $255 payday loans online loans same day no credit check are a quick fix for small emergencies, ideal for short-term borrowing needs.

    Tribal Loans for Bad Credit:

    Tribal loans are loans issued by Native American-operated lenders. They also commonly work around state regulations and provide flexible terms, which can make them an option for people with low or no credit history.

    $500 Loan No Credit Check Direct Lender:

    $500 loan no credit check direct lenders are made directly from lenders (not brokers) and don’t require a credit check. You could be approved for a loan of $500 and receive funds quickly, making it an ideal solution for emergency expenses.

    Frequently Asked Questions

    1. Is it possible to get a 1 Hour Payday Loans No Credit Check?

    Yes, a lot of lenders do provide instant decisions and quick funding. Some lenders will okay the loan in a matter of minutes, but funds transfer normally takes 1 business day but also varies depending on your bank.

    2. Does applying for a 1 hour payday loan have an effect on my credit score?

    Most no-credit-check lenders employ soft inquiries or alternative data, so it does not hurt your credit score to apply.

    3. Am I eligible for these loans in every state?

    No, some rules and regulations would determine availability. Payday loans are illegal in some states, while other states regulate or restrict them.

    Wrapping Up

    1 Hour Payday Loans No Credit Check is a quick and easy way to get a couple of days or a week when you need it the most. Whether it’s a crisis or an incidental emergency, services such as IOnline Payday Loans can connect you with trustworthy contracting lenders in just a few minutes. Services like IOnline Payday Loans help you connect with some of the best online payday loans available quickly and securely. Remember to always borrow responsibly, check the terms before you apply, and try to borrow the money you can afford to pay back.

    Project Name: IOnline Payday Loans

    Registered Office Address: 1095 Sugar View Dr Ste 500 Sheridan, WY 82801

    Company Website: https://ionlinepaydayloans.com/

    Email: mria@ionlinepaydayloans.com

    Phone: 307-777-7311

    Contact person name: Mria

    contact person email: mria@ionlinepaydayloans.com

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

    A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/4201c2bd-e15f-40f8-89d7-7f5ad360b1fc

    The MIL Network –

  • MIL-OSI: Drone-Mounted Lidar Systems for Bathymetric Surveys Market Expected to Reach $890 Million By 2032

    Source: GlobeNewswire (MIL-OSI)

    PALM BEACH, Fla., May 01, 2025 (GLOBE NEWSWIRE) — FN Media Group News Commentary – Bathymetry is a rising subset of uses in the drone universe. Bathymetry is the study of the “beds” or “floors” of water bodies, including the ocean, rivers, streams, and lakes. LIDAR and drones drive this segment. According to a recent industry report from Grand View Research said: “The drone-mounted LiDAR systems for bathymetric surveys market is projected to experience significant growth, with the global LiDAR drone market expected to reach around $892 million by 2032. The market is driven by factors such as increasing demand for high-precision geospatial data, technological advancements in LiDAR sensors, and the integration of LiDAR with AI and machine learning. Advancements in LiDAR technology, such as improved accuracy and reduced costs, have made it more accessible for a wide range of applications. Moreover, LiDAR integration with drones and autonomous vehicles is driving market expansion. The airborne segment dominated the U.S. LiDAR industry with a revenue share of over 44.9% in 2024. Airborne LiDAR holds a dominant position in the U.S. market and is also the fastest-growing segment, driven by its extensive use in large-scale mapping, urban planning, and environmental monitoring. The ability of airborne LiDAR to cover vast areas with high accuracy makes it an essential tool for applications such as topographic mapping, flood risk assessment, and forest management. The integration of LiDAR systems with advanced drones and aircraft has further enhanced its utility, enabling cost-effective and efficient data acquisition. The rise of smart city initiatives and infrastructure development projects in the U.S. is another key factor propelling the growth of airborne LiDAR.”   Active Companies in the drone industry today include ZenaTech, Inc. (NASDAQ: ZENA), ParaZero Technologies Ltd. (NASDAQ: PRZO), AgEagle Aerial Systems Inc. (NYSE: UAVS), EHang (NASDAQ: EH), Ondas Holdings Inc. (NASDAQ: ONDS).

    Grand View Research continued: “The mobile & UAV accounted to hold significant market share in 2024. The mobile and Unmanned Aerial Vehicle (UAV) LiDAR segment is experiencing significant growth in the U.S., primarily due to its versatility and ability to collect data in dynamic environments. Mobile LiDAR systems, mounted on vehicles, are widely used for road mapping, urban modeling, and autonomous vehicle navigation. UAV-based LiDAR has gained traction in industries like agriculture, construction, and mining, where flexibility and accessibility are critical. The reduced cost of UAV platforms and advancements in compact LiDAR sensors have made this technology more accessible to a broader range of industries. Additionally, advancements in miniaturization and cost reduction are opening up new opportunities for LiDAR applications. Smaller, more affordable sensors are becoming available for use in drones, allowing for rapid aerial mapping and surveying in hard-to-reach areas.”

    ZenaTech’s (NASDAQ:ZENA) Drone as a Service (DaaS) Offerings Expand to Bathymetric Surveys for Underwater Terrain Mapping for Commercial and Government Customers – ZenaTech, Inc. (FSE: 49Q) (BMV: ZENA) (“ZenaTech”), a technology company specializing in AI (Artificial Intelligence) drones, Drone as a Service (DaaS), enterprise SaaS, and Quantum Computing solutions, announces its DaaS offerings have expanded to include bathymetric surveys, a specialized method of mapping underwater terrain using drones equipped with sonar. These surveys are important for critical underwater depth and contour data to support maintenance, dredging, environmental planning, and aquatic development for both commercial and government customers.

    ZenaTech’s DaaS bathymetric surveys are now available in South Florida through the recently acquired Wallace Surveying where the team has both golf course and Intracoastal Waterway project relationships and surveying expertise. Utilizing advanced sonar and ZenaDrone drones, high-resolution underwater maps help customers make informed decisions ─ from enhanced water management and lake and channel design strategies, to ensuring long-term sustainability.

    “The Wallace team brings key customer relationships and bathymetric survey expertise that will enhance our national DaaS drone offerings. Bathymetric surveys using aerial drones offer faster, safer, and more cost-effective data collection, especially in hard-to-reach or hazardous environments. Unlike conventional manned survey vessel methods, drones require fewer personnel, reduce operational risks, and can access shallow or narrow areas with greater precision,” said CEO Shaun Passley, Ph.D.

    According to DataIntelo market research, the global Bathymetry Survey Sonar Market was valued at approximately $1.2 billion in 2023, this market is projected to reach $2.1 billion by 2032, growing at a CAGR of 6.2%. This encompasses sonar systems utilized in bathymetric surveys, including those deployed on drones.

    ZenaTech’s DaaS business will incorporate the ZenaDrone 1000 and the IQ series of multifunction autonomous drones to provide a variety of service solutions from land surveys to power line inspections or power washing, made accessible and cost effective through an Uber-like business model on a regular subscription or pay-per-use basis. Customers can conveniently access drones for eliminating manual or time-consuming tasks achieving superior results, such as for surveying, inspections, security and law enforcement, or precision farming applications, without having to buy, operate, or maintain the drones themselves.

    The DaaS business model offers customers such as government agencies, real estate developers, construction firms, farmers or energy companies reduced upfront costs as there is no need to purchase expensive drones, as well as convenience, as there is no need to manage maintenance and operation. The model also offers scalability to use more often or less often based on business needs and enables access to advanced drone technology sensors or attachments without the need for specialized training.   Continued… Read this full release by visiting: https://www.financialnewsmedia.com/news-zena/

    Other recent developments in the markets include:

    ParaZero Technologies Ltd. (NASDAQ: PRZO) announced recently that official marketing approval from the Israeli Ministry of Defense’s Defense Export Controls Agency (DECA) was received for the DropAir™ Precision Airdrop System, developed in collaboration with Heven Drones (“Heven”).

    Heven is a leading U.S. drone manufacturer with roots in Israel that specializes in custom autonomous UAV platforms. This authorization from DECA enables ParaZero and Heven to actively market their joint DropAir-integrated solution to global clients across commercial, defense, and humanitarian sectors.

    The DropAir system, integrated with Heven’s advanced UAVs, enables accurate and safe aerial delivery of critical payloads, including medical supplies, tactical equipment, and humanitarian aid. The combined solution is designed for autonomous deployment, enhanced safety, and mission-critical precision—especially in hard-to-reach or hazardous environments.

    AgEagle Aerial Systems Inc. (NYSE: UAVS) recently announced the launch of its eBee VISION next generation application software featuring a variety of critical updates. Of particular note, is the capability for autonomous position updates with map referencing to provide precise navigation even in GNSS-denied areas where satellite signals are unavailable or unreliable due to various factors.

    AgEagle CEO Bill Irby commented, “Of the many new features provided in our latest software update, overcoming GNSS-denied shortfalls marks a significant leap forward in drone operations especially for defense personnel, public safety agencies and industrial teams working in high-stakes, GNSS-denied environments. Whether operating in dense urban centers, near critical installations, or in contested zones with active signal interference, our global eBee VISION customers can now maintain full navigational command of their drone using only the camera and map-based interface. This feature directly addresses a core challenge faced by tactical and industrial drone operators in today’s complex mission environments. Our technical team will continue to work relentlessly on refinements and ongoing advancements to ensure AgEagle remains at the forefront of UAV innovation.”

    EHang (NASDAQ: EH), the world’s leading Urban Air Mobility (UAM) technology platform company, recently announced that its wholly-owned subsidiary, Guangdong EHang General Aviation Co., Ltd. (“EHang General Aviation”), and its joint venture company in Hefei, Hefei HeYi Aviation Co., Ltd. (“HeYi Aviation”), have been granted the first batch of Air Operator Certificates (“OC”) for civil human-carrying pilotless aerial vehicles by the Civil Aviation Administration of China (“CAAC”).

    This milestone officially marks the launch of China’s human-carrying flight era in the low-altitude economy, allowing citizens and consumers to purchase flight tickets for low-altitude tourism, urban sightseeing, and diverse commercial human-carrying flight services at related operation sites in Guangzhou and Hefei. In the future, operators will also gradually expand into more other scenarios such as urban commuting based on operational conditions legally and compliantly. The issuance of the first batch of OCs sets a new benchmark for the low-altitude economy and urban air mobility and further unleashing a more powerful vitality of the new-quality productive forces.

    Ondas Holdings Inc. (NASDAQ: ONDS) recently announced it has secured a $3.4 million order for its Iron Drone Raider Counter-UAS system from renowned European defense contractor for their governmental end client. This marks the initial deployment of the Iron Drone Raider in Europe and represents a major milestone in the global expansion of Ondas’ counter-UAS business.

    “Ongoing geopolitical instability and the rapid proliferation of hostile drone technologies have intensified the urgency for effective counter-UAS capabilities across NATO-aligned and partner nations,” said Eric Brock, Chairman and CEO of Ondas. “This order reflects the rising global demand for autonomous aerial defense systems that can be rapidly deployed, scaled, and adapted to modern threat environments. Iron Drone Raider delivers a differentiated solution for military and homeland security operators charged with safeguarding critical infrastructure and civilian populations from increasingly sophisticated aerial threats.”

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    The MIL Network –

  • MIL-OSI Global: Why do people continue to support politicians who attack their democracies? Expert Q&A

    Source: The Conversation – UK – By Scott Williamson, Associate Professor, Department of Politics and International Relations, University of Oxford

    Ahead of a public event in London on May 8 on what the latest research can tell us about the state of democracy, The Conversation asked Scott Williamson, Associate Professor in Comparative Political Economy at the University of Oxford, to help us understand why people don’t always immediately push back when politicians attack their democracies.

    Your findings show that people around the world have relatively similar ideas about what democracy means and are relatively committed to this idea of democratic governance. So why are so many people polarised about whether today’s crop of politicians are attacking our democracies and what to do about it?

    Most people in most countries say it is important to them that they live in a democracy. Research by my colleagues and me also suggests that people tend to agree that competitive elections and protections for civil liberties are central elements of democratic governance.

    Yet, many people who claim to care about democracy also support political leaders and movements that have attacked democratic institutions and values.

    We have to recognise that even when people agree about the fundamental definition of democracy, there is still plenty of room to disagree over the specifics of how democracy is implemented in practice.

    Democracy in decline? The risk and rise of authoritarianism

    Democracy is under pressure around the world in 2025. But is this part of a larger historical cycle or does it signal a deeper, more fundamental shift? Join us for a free event in central London on May 8 to discuss these important questions. Come for a panel discussion and stay for food, drinks and conversation.

    Get tickets here

    Anti-democratic political leaders can take advantage of these disagreements to argue that their actions defend rather than disrupt democracy. Their supporters will often be motivated to believe these claims, especially where politics and the media are highly polarised.

    In the US, Donald Trump and the Republican party have long argued they are protecting American democracy from the deep state and the Democratic party. A prominent example is the claim that Democrats stole the 2020 election, and that subsequent charges against Trump were an attempt at political persecution.

    This message is consistently amplified by rightwing media. Such claims are false, but they create a framework for justifying Trump’s actions in democratic terms.

    A second potential problem is that people who understand democracy similarly and view democracy favourably may still decide that opposing anti-democratic leaders is less important than securing other political objectives. Several recent studies suggest that people in many countries, including the United States, are reluctant to make such trade-offs. Commitment to democracy is relatively strong.

    However, this research also highlights certain conditions under which people may begin to give up this commitment. Some people will care less about democracy if they can secure significantly better economic outcomes. In ongoing research with my co-authors, we also show that perceived threats to safety are especially likely to induce democratic trade-offs.

    One important finding from these studies is that people are strongly committed to maintaining competitive elections in their countries, but they are more willing to give up civil liberties and constraints on executive power in exchange for preferred economic and security outcomes. Some people are openly sympathetic to a majoritarian vision of democracy that empowers elected leaders to ignore institutional constraints if it means giving the people what they want.

    The relatively weaker commitment to these aspects of democracy means that anti-democratic leaders who first focus on undermining political freedoms and expanding their own power, rather than undercutting elections, are less likely to face a backlash.

    This well-used playbook may explain why Trump has faced relatively inconsistent pushback from the public, despite brazenly seizing legislative powers and violating civil liberties.

    Because Trump won the 2024 election, and because many Americans likely believe that subsequent elections will still meet democratic standards, they may tolerate attacks on civil liberties and checks and balances – especially if it gives them policy outcomes they prefer.

    Yet, it is important for Americans who care about democracy to recognise that several of Trump’s actions directly threaten the ability of the United States to hold free and fair elections in the future. The president and his allies have deployed lawsuits and withheld legally obligated funding in an effort to silence critical voices in the media, universities, NGOs, businesses, the legal community, and the Democratic party. Such actions are already muting criticisms of Trump and will make it harder for opposition to compete fairly in upcoming elections.

    Vice president J.D. Vance recently accused European leaders of “running in fear” from voters over immigration. What did you make of his intervention?

    These comments are a good example of how political leaders who attack democracy often claim to be defending democracy instead. A common strategy is to claim that they are the true representatives of the people and their preferences. As a result, their actions must be democratic, and those who oppose them are blocking the will of the people.

    Such claims about immigration should be viewed as a rhetorical cudgel used by the extreme right to beat back accusations of their own anti-democratic stances. Even if their immigration policies are more preferred by the public, this stronger alignment on a single issue should constitute only a small piece of the pie in terms of evaluating their democratic credentials.

    And their claims to represent public opinion on immigration stand on shaky ground at best. Attitudes toward immigration are complicated and multifaceted. Though negative views on the issue are clearly prevalent, attitudes have become more favourable over time in several European countries.

    Negative voices are often louder but do not necessarily represent the majority. Public opinion also fluctuates. In the United States, Trump was perceived more favourably than Kamala Harris on immigration during the 2024 election. But already by late April, a majority of Americans expressed opposition to Trump’s extreme approach.

    How can defenders of democracy meet these challenges?

    In countries where anti-democratic parties are on the rise, political leaders and the public should resist normalising them. The more they are treated as just any other party, the more people may begin to perceive their anti-democratic politics as acceptable.

    When anti-democratic parties come to power, it is important for their opponents to push back as forcefully as possible before the party can consolidate an authoritarian regime. As the political system becomes more repressive, people will increasingly hide their views, and it will be harder to mobilise opposition moving forward.

    For these efforts to succeed, it is important for the opposition to remain as unified as possible. If the ruling party can use its power to make elections less fair, state institutions more biased, and protests more dangerous, then the opposition will need to make use of every advantage they can to oust the government. A divided opposition will be much more likely to fail.

    Scott Williamson receives funding from the UKRI/EPSRC Frontier Research Guarantee Scheme (EP/Y036832/1) for the project Democratic Values and Authoritarian Legitimacy (DEVAL).

    – ref. Why do people continue to support politicians who attack their democracies? Expert Q&A – https://theconversation.com/why-do-people-continue-to-support-politicians-who-attack-their-democracies-expert-qanda-255565

    MIL OSI – Global Reports –

  • MIL-OSI Global: Why older adults shouldn’t worry about having sore muscles after a workout – new research

    Source: The Conversation – UK – By Lawrence Hayes, Lecturer in Physiology, Lancaster University

    Kostiantyn Voitenko/ Shutterstock

    Only 2% of people over the age of 70 strength train at least twice a week. This is worrying, as age-related muscle loss can increase risk of social isolation, falls, loss of independence and even early death.

    There are many reasons why older people may avoid strength training, such as a lack of knowledge about exercise, lack of access to a gym and stigma. Another major reason is the fear that exercise might make their muscles and joints even more sore than they already are.

    But the good news is that older adults are no more likely to experience muscle soreness after a workout than young adults are. In fact, our recent study found older adults actually experienced less muscle soreness following exercise than young adults did. This research overturns the widespread belief that ageing muscles are less resilient.

    We pooled data from 36 studies which looked at a total of 389 younger adults and 390 older adults with the aim of comparing their experiences of exercise-induced muscle damage. We analysed three different types of studies in our research, including those where participants self-reported on their muscle soreness, studies which looked at markers of muscle damage in the blood, and studies which analysed muscle function the day after a workout.

    We found that older adults do not experience greater muscle function loss after exercise compared with younger people. Maybe most importantly, muscle soreness was consistently lower in older adults after a workout. Older adults experienced only two-thirds of the soreness younger people did at 48 hours, and only one-third of the muscle soreness at 72 hours compared with younger people.

    Because we looked at 36 different studies, not all of them compared the same age groups. But they generally compared younger adults (people in their 20s) to older adults (people aged between 30 and 60).

    We also found that biological sex appeared to play a role in muscle function recovery, with males showing slightly greater losses in muscle function after exercise than females. This effect was true for both upper body and lower body exercises, as well as body strength and aerobic workouts.

    These findings challenge the widespread belief that ageing muscles recover more slowly or are more prone to exercise-induced damage. This misconception often discourages older adults from engaging in regular physical activity due to fears of prolonged soreness or weakness. The findings also show us that older adults may not need longer recovery periods between workouts – potentially allowing for more frequent or intense training sessions, leading to better long-term health outcomes.

    How to get started

    Although our study shows that older adults are no more likely to experience muscle damage compared to younger adults, this doesn’t mean older people won’t experience some soreness when they start working out.

    There are two important factors that can increase muscle damage (including soreness) after exercise.

    Women were less likely to experience losses in muscle function.
    nastya_ph/ Shutterstock

    The first is novelty. If you haven’t done a particular exercise before (or even for a long time) then it’s more likely you’ll feel sore for a couple of days afterwards if you overdo it. This happens because a new movement or type of exercise challenges our muscles. This causes the body to trigger a cascade of processes that build new muscle. While this temporarily makes us sore, it ultimately makes it easier for us to cope when we do that exercise again.

    The second are “eccentric” muscle contractions. What we mean by eccentric contractions is when you’re attempting to slow down a weight (imagine the downwards phase of a bicep curl – your bicep is working to slow the bar from dropping to the floor). Another example of an eccentric muscle movement is downhill running.

    Eccentric muscle contractions cause more damage than other movements mainly because they subject the muscle fibers to exceptionally high force loads, which is often distributed unevenly. This can overstretch and disrupt the integrity of our muscles, causing stress and damage. But while this leads to soreness in the short-term, these changes ultimately make us stronger.

    To overcome the problem of being new to exercise, you should ease yourself into a new exercise programme. The couch to 5K programme is a great example of this. This programme guides people to build their aerobic fitness gradually.

    So for instance, you might start by going for a 5-minute walk on Monday. If you feel okay on Wednesday, you might try a 10-minute walk instead. This means that every walk is only five additional minutes of novel exercise, allowing your body to gradually build fitness without too much risk of soreness.

    The same principle applies to the eccentric exercises we might do while strength training. Start easy. For an older beginner, just standing up from a chair and returning to seated can be a starting point. This is a very useful movement as it uses our main leg muscles. Being able to raise from a chair is also a huge predictor of independence in later life. Another benefit of this exercise is that you can always return to the seat if you lose balance – so it is quite safe.

    If you can do five of these in a row on Tuesday, see you if you can do two lots (we call these sets) of five on Thursday. Much like aerobic fitness, you’ll soon improve your muscle strength. For the upper body, raising light weights above your head and back down to your lap can be a start. You could also use tins of unopened beans if you don’t have any equipment at home. Try to do these strength-based activities at least two days per week.

    The findings of our study and many others suggest exercise has no age limit. Move more to live longer and healthier. Aim for 150 minutes of activity each week, add strength training twice per week – and most importantly, find a workout you love. When you enjoy it, you’re more likely to stick with it.

    Lawrence Hayes has received funding from the National Institute for Health and Care Research (NIHR), the Chief Scientist Office (CSO), the RS Macdonald Charitable Trust, and the Physiological Society.

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

    – ref. Why older adults shouldn’t worry about having sore muscles after a workout – new research – https://theconversation.com/why-older-adults-shouldnt-worry-about-having-sore-muscles-after-a-workout-new-research-254262

    MIL OSI – Global Reports –

  • MIL-OSI Global: Robert Macfarlane’s new book is a plea to feel the pulse of our rivers

    Source: The Conversation – UK – By Julian Dobson, Senior Research Fellow, Sheffield Hallam University

    beerlogoff/Shutterstock

    Suggesting that a river could be alive has the potential to change everything. Robert Macfarlane, one of Britain’s best-read writers on the natural environment, has done just this in his latest book.

    At one level, Is A River Alive? is a travelogue of adventuring in extreme environments: a lucid, lyrical addition to a genre Macfarlane has made his own. His odyssey through the cloudforests of Ecuador, the stricken rivers of Chennai in India and the tumultuous rapids of the Mutehekau Shipu in north-east Canada has it all: larger-than-life companions, astonishing revelations about the natural world and inadvisable levels of personal risk (including some particularly scary whitewater kayaking).

    Like all good odysseys, it’s a journey of psychological and spiritual self-discovery with a profound sense of nostos, an ancient Greek word meaning the journey home. But it’s much more than that.

    This is a quest with an agenda and an urgency and one that puts its cards on the table from the outset. If a river is alive, our perceptions, laws and politics must change course to recognise that, Macfarlane argues.

    That recognition must be rapid, because we’re already seeing the consequences of treating rivers – and the natural world – as “limitless source and limitless sump”, as he puts it. As an illustration, think of Lake Ontario in the 1990s, which he suggests was so chemically polluted that you could develop photographic film in its water.



    Read more:
    Some rivers have ‘legal personhood’. Now they need a lawyer

    This is new territory for Macfarlane, who shows a sharper critical edge than in his earlier work but also engages more personally and emotionally with his material. Wrecked or restored relationships between humans and the natural world prompt the writer, like a contemporary William Blake, to throw down a moral gauntlet to those who hold economic and political power.

    While lacking the anticolonial anger of Indian author Amitav Ghosh’s polemic The Nutmeg’s Curse, Macfarlane comes to comparable conclusions. Ghosh declares in his book that “if non-human voices are to be restored to their proper place, then it must be, in the first instance, through the medium of stories”. Is A River Alive? seeks to do that.



    Read more:
    Rivers are increasingly being given legal rights. Now they need people who will defend these rights in court

    Interrogating a mystery

    Macfarlane engages seriously with knotty complexities. A river may be alive, but not in any way that can be readily incorporated into human systems. “If you interrogate a mystery, don’t expect answers in a language you can understand,” he muses. He also insists on the necessity of opening our perceptions to the life of and in a river: “to imagine that a river is alive causes water to glitter differently.”

    Macfarlane adopts an animist outlook, declaring non-human entities to have voices and worth in and of themselves. His stance is part of a wave of thinking and writing that is transporting such beliefs from the margins of western spirituality and scholarship into mainstream literature.

    This is vital work, but the challenge shouldn’t be overestimated. If you address these questions from a government perspective, you quickly get quagmired in legal systems and questions of ownership. The result, critics say, is ecological injustice, silencing the voices of nonhumans and of the humans who speak up for them. Yet action to give legal rights to rivers is increasing, from the Rio los Cedros in Ecuador to the Whanganui in Aotearoa New Zealand.

    Logics of inaction

    These are important victories, and work to foreground the rights of nature is gathering pace in the UK. In my own city of Sheffield, my colleagues and I are part of a growing network of academics and community organisations working with the River Dôn project, exploring how the river that runs through our city centre could be given a voice, legal status and, we hope, stronger protection from environmental damage.

    This work joins an increasing flow of thinking in universities, cities and communities that challenges extractive mindsets. But such voices remain sidelined even as the evidence of the damage wrought by the rapacious exploitation of Earth becomes starker.

    My own research has shown how “logics of inaction” persist – even when policymakers know they need to invest in and protect the natural world (in cities, urban parks and wild places), they find reasons to avoid doing so. More often than not, it comes down to money – finances are too tight, or the benefits aren’t obviously quantifiable.

    Even when the benefits of natural spaces are compiled and described in terms that pose no philosophical challenge – they support human health and wellbeing, relationships, participation in society – these benefits are deemed insufficient to stop the cycle of neglect. Indeed, as UK chancellor Rachel Reeves recently declared, developers should “stop worrying about bats and newts” and “focus on getting things built”.

    Is a River Alive? may not stem the tide of environmental destruction. But for those frustrated by the logics of inaction of short-term decision-making, it provides timely and necessary inspiration.

    Don’t have time to read about climate change as much as you’d like?

    Get a weekly roundup in your inbox instead. Every Wednesday, The Conversation’s environment editor writes Imagine, a short email that goes a little deeper into just one climate issue. Join the 45,000+ readers who’ve subscribed so far.

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

    – ref. Robert Macfarlane’s new book is a plea to feel the pulse of our rivers – https://theconversation.com/robert-macfarlanes-new-book-is-a-plea-to-feel-the-pulse-of-our-rivers-247580

    MIL OSI – Global Reports –

  • MIL-OSI Global: Why Donald Trump’s trade tariffs are a threat to global food security

    Source: The Conversation – UK – By Lotanna Emediegwu, Senior Lecturer in Economics, Manchester Metropolitan University

    Billion Photos/Shutterstock

    Donald Trump’s tariffs will make many things more expensive for his fellow US citizens. The price of imported cars, building materials and some tech will go up – and so will the cost of the food on American dining tables.

    The US currently imports around 16% of its food supply, with a large proportion of its fruit and vegetables coming from countries now hit by tariffs.

    Mexico stands out. It supplies over half the fresh fruit and nearly 70% of the fresh vegetables consumed in the US.

    And even when it comes to home grown produce, the US still depends on imported fertiliser for its crops, with Canada providing up to 85% of its neighbour’s supply.

    So grocery bills for American families, especially for fresh produce (and processed foods dependent on foreign ingredients) will get higher. But there will also be a noticeable effect on food prices outside the US.

    The consequences could be particularly serious for developing economies that rely on stable international prices to secure affordable food imports. The prices of many global staples including maize, wheat and soybeans are benchmarked against US markets so when disruptions occur, they reverberate globally.

    Research I conducted with a colleague found that when international prices are disturbed, local food prices, especially in developing countries, go up.

    Take global maize prices, which this year rose by 7% between April 2 (Trump’s “liberation day”) and April 11. Our study suggests this will immediately lead to a similar increase in local maize prices in places like sub-Saharan Africa.

    This is where many of the world’s poorest people live, with hundreds of millions in households earning below the World Bank’s poverty line of US$2.15 (£1.61) per day. When much of that income is spent on food, a 7% increase in the price of maize could be devastating.

    Growth market

    According to another study, tariffs on agricultural products such as fertiliser will increase global production costs, potentially lowering crop yields and worsening food insecurity.

    While the US has reduced tariffs on Canadian potash from 25% to 10%, other fertiliser producers face steeper levels (up to 28% for another major exporter, Tunisia, before Trump’s reciprocal tariffs were paused).

    This is especially worrying for agriculture in countries like Brazil, India and Nigeria, which are still reeling from fertiliser shortages caused by the war between Russia and Ukraine. As with food costs, US tariffs are likely to drive up prices in the global fertiliser market, making it more expensive for everyone, everywhere.

    And when the cost of farming rises, crop production can suffer. This could significantly weaken food production in developing countries that are already battling climate change and volatile markets.

    Another study I conducted found that countries such as the Democratic Republic of the Congo and Somalia – already struggling with food insecurity – are among the most vulnerable to local food price shocks. These economies depend heavily on food imports and face high exposure to currency fluctuations and transport costs.

    A banana field in the Democratic Republic of the Congo.
    giulio napolitano/Shutterstock

    If the trade war escalates, farmers in these regions may be forced to abandon staple crops for cash commodities such as cocoa or coffee, deepening their reliance on volatile global markets and reducing their food self-sufficiency. Global inequality will worsen unless things change.

    One option would be to protect essential agricultural imports, especially fertilizers and staple foods, from punitive tariffs. This would stabilise prices and protect vulnerable economies. The recently announced 90-day pause for negotiations offers a glimmer of hope, but it must be used wisely to build a more equitable trading system.

    In the long term, developing countries need to bolster the resilience of their food systems. My research recommends investing heavily in mechanised agriculture which is resilient to climate change, incentivising farmers with government support, and strengthening regional trade.

    The global food system is heavily interconnected. Decisions made in Washington can quickly affect food prices in Lagos, Cairo and New Delhi. And if tariffs go unchecked, they may unleash a silent and subtle crisis – one measured not in GDP, but in millions of empty stomachs.

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

    – ref. Why Donald Trump’s trade tariffs are a threat to global food security – https://theconversation.com/why-donald-trumps-trade-tariffs-are-a-threat-to-global-food-security-255064

    MIL OSI – Global Reports –

  • MIL-OSI Global: Astonishing Things: The Drawings of Victor Hugo at the Royal Academy is dark and brilliant

    Source: The Conversation – UK – By Martin Lang, Senior Lecturer and Programme Leader in Fine Art , University of Lincoln

    The Royal Academy’s latest exhibition, Astonishing Things: The Drawings of Victor Hugo offers a rare glimpse into the dark and moody world of the renowned writer best known for his novels The Hunchback of Notre-Dame and Les Misérables.

    The exhibition is set in exceptionally low lighting, a necessary measure to preserve the fragile drawings, which are usually only accessible under archival conditions. This dim ambience enhances the foreboding atmosphere of Hugo’s works, which are often landscapes featuring cathedrals that appear to be in ruin or emerging from mist or dust clouds.

    These drawings are reminiscent of Dennis Creffield’s gestural, energetic and dark, cathedral sketches. Hugo’s are similar, but much smaller and with a more post-apocalyptic and surreal twist.

    Titles like The Dead City attest to this, while Breakwater on Jersey, with its obscure imagery that recalls looking up a steep incline towards some towers, evokes a sense of Gothic horror, reminiscent of Dracula.

    Looking for something good? Cut through the noise with a carefully curated selection of the latest releases, live events and exhibitions, straight to your inbox every fortnight, on Fridays. Sign up here.

    Other drawings in the exhibition are more surreal. One features a giant mushroom with a face looming over a desolate landscape, eerily evoking nuclear war (something that Hugo could not have possibly fathomed in 1850). Windmill on the Roof of a Farmhouse depicts a windmill improbably emerging from another building, adding to the surreal quality of Hugo’s work. And, one of the first drawings visitors encounter is of a poisonous tree with a skull emerging from its shadow, setting the tone for the exhibition.

    The Serpent resembles a Chinese dragon twisting through the sky over the sea with a mountain obscured in mist below its fire-breathing jaws. The light specs illuminating the water add to the mystery, as the light source itself remains unclear. Is the light emanating from the dragon’s mouth or from behind the mountain? This ambiguity adds to the surreal quality of the work.

    The Bowels of Leviathan is one of the largest and most abstract pieces in the exhibition. Loose brushwork, possibly created with a large brush or feather (as suggested by the wall text) fills the surface. Vertical lines appear like prison bars in a dark arch (one of many allusions to Les Misérables in the exhibition), while the title actually refers to the Parisian sewers – a recurring theme in Hugo’s novel.

    Several drawings in the exhibition can be interpreted as metaphors for political turmoil. Lighthouse at Casquets, Guernsey features a heavily tilting ship, while Boat without Sails depicts what appears to be a single piece of wood from a ship wreck, or perhaps a raft afloat.

    Ship in a Storm further emphasises the theme of stormy waters, reflecting the turbulent political landscape of Hugo’s time. His father was a general in the Napoleonic empire, which crumbled when Victor was 12. He saw the Bourbon monarchy restored, then the revolutions of 1830 and 1848. Not only a witness, Hugo was deeply involved in politics, resulting in his exile to the Chanel Islands, where he made most of the drawings on display, during the reign of Napoleon III.

    The Durande Ship After Sinking and The Wreck are positioned on either side of Octopus, a fantastical depiction of what lies beneath the stormy seas. Or perhaps life after the storm, strange and other worldly. There are two versions of Octopus on display, both of which would not look out of place as illustrations for a H.P. Lovecraft novel. These pieces suggest a strange and otherworldly life after turmoil and the sense of uncertainty feels oddly present today.

    Hugo’s use of lace imprints and collage, such as postage stamps, was avant-garde for his time. He combined charcoal, pen, brown ink and wash, gouache, graphite, and more, showcasing his experimental approach to art. Compositionally, these works are sophisticated and live up to Van Gogh’s description of them as “astonishing things”.

    Astonishing Things: The Drawings of Victor Hugo at the Royal Academy is a captivating exhibition that offers a rare opportunity to experience the dark and surreal world of one of history’s most celebrated writers and artists. The exhibition is a must-see for art lovers and fans of Victor Hugo alike.

    Astonishing Things: The Drawings of Victor Hugo is on at the Royal Academy, London until June 29 2025.

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

    – ref. Astonishing Things: The Drawings of Victor Hugo at the Royal Academy is dark and brilliant – https://theconversation.com/astonishing-things-the-drawings-of-victor-hugo-at-the-royal-academy-is-dark-and-brilliant-255262

    MIL OSI – Global Reports –

  • MIL-OSI Global: Current legal frameworks can’t protect the oceans from deep-sea mining and the negative impacts on humankind

    Source: The Conversation – Canada – By Susan Reid, Postdoctoral Fellow, University of British Columbia

    A soil boring boat used to collect geological information from the seafloor. (Shutterstock)

    The international legal order is floundering. The geopolitical and resource policy priorities of the United States are shifting.

    These changes now implicate the international framework for governing the seabed: on April 24, U.S. President Donald Trump signed an executive order that moves toward allowing deep-sea mining by the Americans.

    Driven by a critical minerals expansionary agenda, the U.S. is considering measures to fast-track approvals for corporations to mine the international seabed.

    What is the difference — for marine environments — between excavation under an international legal framework or U.S. domestic law? Both systems permit state and private organizations to mine vulnerable marine ecosystems: does an international framework offer stronger environmental protections than U.S. law?

    A ‘constitution’ for the ocean

    Under the United Nations’ watch, ocean conditions have declined.

    The international seabed zone encompasses 54 per cent of the planet’s surface. The designation was created in 1994 under the UN Convention on the Law of the Sea (UNCLOS). When described as the “constitution for the oceans,” UNCLOS deceivingly implies that its role is protective. However, the treaty functions as architecture for exploiting ocean resources.

    It does this by dividing the ocean into zones that control how and where nations and corporations can exploit the seas. As well, it supports the idea of the ocean as a vast, exploitable resource. Weak environmental protections are offered in return. UNCLOS speaks little of either the ocean itself or of diverse human-ocean relationships.

    It is a constitution for the ocean, without the ocean.

    PBS reports on the impacts of deep-sea mining.

    Regulating mining

    UNCLOS established the International Seabed Authority (ISA) to manage the international seabed as the “common heritage of humankind.” Since it was established 30 years ago, the ISA has prioritized the development of a regulatory framework for commercial mining. But the ISA’s stewardship of the deep seabed as humankind’s common heritage involves more than the advancement of commercial mining.

    Given the multiple ocean crises intensifying under the impacts of climate change, it is bewildering that the ISA could still be pursuing such a destructive regime.

    Under UNCLOS, the ISA has legal responsibilities to protect the marine environment. Yet it doesn’t have a comprehensive environmental policy, environmental management plan or dedicated scientific division. This is despite the central role marine science plays in understanding and protecting the ocean. Instead, the ISA appears to be patching together environmental regulations on the fly.

    Extractive interests

    The scientific data that the ISA relies on comes from the very companies seeking to mine the seabed. Commercial miners conduct their own environmental assessments and benchmarks, and as such, the ISA’s governance approach appears to be one of companies self-regulating.

    Despite the “ocean emergency” and scientific concerns about marine ecological risks, the ISA maintains an extractivist path.

    It is now finalizing regulations to allow commercial mining in the Clarion–Clipperton zone of the North Pacific Ocean. If all exploration licences currently issued in this zone are converted to exploitation licenses, this will be the largest mining operation the planet has ever experienced.

    The ISA’s 170 members, including the U.S., have upheld a consensus-based governance approach. In doing so, they’ve prevented any unilateral claims to the international seabed. Although the U.S. never ratified UNCLOS, it too has largely observed the consensus-based legal order. Until now.

    The Metals Company (TMC), a Canadian deep-sea mining company, recently announced its intention to bypass the ISA and work with the Trump administration to pursue seabed mining in international waters. To do so, it will rely on the Deep Seabed Hard Mineral Resources Act (DSHMRA), administered by the National Oceanic and Atmospheric Association (NOAA). Congress had previously noted that this domestic law was always considered a temporary measure until the development of an acceptable system under UNCLOS.



    Read more:
    Terminations at U.S. government agencies that monitor extreme weather events will have negative effects

    In principle, NOAA’s deep ocean scientific expertise enables it to competently oversee U.S. seabed mining. This includes assessing the potential environmental impacts of mining and ensuring the protection of the marine environment. It has already developed DSHMRA mining regulations within a “precautionary and adaptive management framework.”

    Before granting a mining licence, NOAA is required to prepare and publish an environmental impact statement. However, recent staff cuts and the new administration’s rollback of marine environmental protections potentially compromise its oversight capacity.

    How NOAA’s scientific teams feel about fast-tracking a “gold rush” is another story.

    The ISA has denounced its snubbing by The Metals Company. However, by shopping around for a jurisdiction of convenience, TMC has inadvertently shone a spotlight on gaps in the ISA’s environmental governance approach.

    Future marine research

    In the meantime, momentum for a ban or moratorium is growing.

    Without a foundational science policy or in-house scientific expertise, the ISA is ill-equipped to safeguard the deep ocean. Marine science offers a way to better understand the deep ocean and its vulnerabilities and can help re-imagine the ISA’s direction toward a more generative role as an environmental steward.



    Read more:
    Humanity depends on the ocean — Here is what we need to prioritize for immediate ocean science research

    Through marine social sciences, ocean humanities and Indigenous knowledge, other pathways can be explored toward a better understanding of human-ocean relationships. The ISA has the potential to step up to its planetary stewardship role by developing policy guidelines to guide such transitions. The oceanographic background of the ISA’s new secretary-General, Leticia Carvalho, bodes well. Perhaps this may happen through a renewed focus on marine science — time will tell.

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

    – ref. Current legal frameworks can’t protect the oceans from deep-sea mining and the negative impacts on humankind – https://theconversation.com/current-legal-frameworks-cant-protect-the-oceans-from-deep-sea-mining-and-the-negative-impacts-on-humankind-254967

    MIL OSI – Global Reports –

  • MIL-OSI Global: Using fire to produce nanoparticles could revolutionize various industries

    Source: The Conversation – Canada – By Keroles Riad, Postdoctoral fellow, Energy and Particle Technology Laboratory, Carleton University

    Fire is how most widely used nanoparticles — and by extension nanotechnologies — are made. (Shutterstock)

    Fire is arguably humanity’s earliest discovery. It was pivotal in advancing society — underpinning many of humanity’s most transformative inventions, from cooking and forging weapons to generating energy and enabling car combustion engines.

    Today, fire continues to be the gateway to some of the most cutting-edge nanotechnologies currently being developed for use in cancer treatments and as breath sensors for early detection of diabetes and other metabolic diseases.

    Nanotechnologies can be found in almost every aspect of our daily lives. For instance, I have previously written about the nanotechnology used in the mRNA vaccines that helped us through the pandemic, and have facilitated conversations discussing how nanotechnology affects our wine, gut and climate.

    For example, gas sensors incorporating nanoparticles made via fire can be used to verify that there’s no methanol in alcoholic beverages. Methanol is a highly poisonous alcohol contaminant, and has caused numerous poisonings worldwide.

    Fire is how most widely used nanoparticles — and by extension, nanotechnologies — are made. For example, a third of a car tire’s weight is comprised of carbon black nanoparticles, which are made using fire. These nanoparticles help to reinforce the tire. The white paint we use on our walls and the coatings on some pills contain fire-made titania nanoparticles. Similarly, fumed silica — which is used in the optical fibres needed for internet and communication systems — are also forged in fire.

    How nanotechnology is made

    So how do nanoparticles, which are 80 to 100 thousand times smaller than the thickness of a human hair, form inside a fire?

    I specialize in making nanoparticles in fire — specifically using a technology called flame spray pyrolysis.

    In my research, I burn flammable chemicals that contain the target metal elements to form my nanoparticles. Everything gets oxidized during combustion: carbon becomes CO2, hydrogen becomes water vapor and metal elements become metal oxides.

    During the milliseconds that these metal oxide particulates spend inside the fire, they collide and grow into nano- or micro-particles. I collect these particles on a filter on top of the fire. Important properties such as the size and crystal structure of the nanoparticles that are produced depend on how much time these particles spend inside the fire.

    The more time the particles have to collide inside the forging fire, the larger they grow. We can also make complicated particles consisting of multiple elements by burning a mixture of different chemicals. This process is both versatile and scalable — allowing millions of tonnes of nanoparticles to be produced each year.

    Carbon black is a nanoparticle that is produced through flame spray pyrolysis.
    (Shutterstock)

    Overcoming limitations

    Being able to mass-produce nanoparticles has been one of the biggest challenges of producing nanotechnologies on a larger scale. This is because most of the nanoparticles used in nanotechnologies can only be made via “wet chemistry,” or by using liquids.

    It can take hours of working with liquid in beakers, mixing them, heating them, then separating and centrifuging them just to obtain tiny amounts of material. These processes are often too expensive and too dangerous to scale enough for viable commercialisation.

    For instance, quantum dots (nanoparticles made from semiconducting materials which have both optical and electrical properties) — the discovery of which was celebrated by the Chemistry Noble Prize in 2023. These have the potential to revolutionize many technologies — including solar cells, carbon capture and contrast agents used in medical imaging.

    However, quantum dots are hardly ever used in those technologies on a large scale because the prohibitive cost of making them via wet chemistry can be as high as US$45,000 per gram.

    But unlike wet chemistry, fire is simple, cheap, scaleable and surprisingly safe. So when processes that allow for the production of high value nanoparticles, such as quantum dots, with fire are developed, costs drastically drop and they become immediately scaleable and of potential interest to industry.

    Fire can also produce harmful particles and by-products.

    For instance, if you place a napkin in front of the exhaust of your car, black stuff will accumulate on it. This black residue is soot particles produced by the fire burning inside the engine. Similarly, smoking cigarettes causes soot to form and accumulate in a smoker’s lung, often causing cancer.

    Soot is also, by some estimations, the third highest contributor to global warming after carbon dioxide and methane. However, those assessments may actually be underestimating the true contribution of soot to greenhouse gas effects.

    Flame spray pyrolysis technology has also been used to simulate combustion conditions to not only study the impact of generated soot more accurately, but also test process changes that could virtually eliminate soot emissions. For example, one study used flame spray pyrolysis to show that injecting air downstream of jet fuel combustion can reduce soot emission by more than 90 per cent. Flame spray pyrolysis could continue to be a useful tool in researching the impacts of pollution.

    The future of nanoparticles

    But not all nanoparticles can be produced by fire. As such, research exploring new recipes and processes to make high-value nanoparticles that are not yet possible to make in fire could have a large impact.

    For example, a major focus of my current work is to explore the possibility of using fire to make graphene. Graphene is the strongest material known at the nanoscale. My previous work shows that by using ultraviolet light, graphene can be transformed into strong macroscopic structures — possibly allowing it to be used in 3D printing.

    Graphene is the strongest material known at nanoscale.
    (Shutterstock)

    Further, there’s massive untapped potential in nanomedicine to integrate the nanoparticles that are already possible to make in fire. Only about 30 types of nanoparticles are approved by the U.S. Food and Drug Administration — such as those used in COVID-19 vaccines, as well as iron-based nanoparticles used for treating anemia and kidney disease.

    All those approved nanomedicines are given via injections. This leaves plenty of room to explore the benefits of inorganic nanoparticles in medicine — especially orally administrated therapeutics.

    Keroles Riad is the founder and CEO of O Nanotech Solutions, a startup that produces flame-made quantum dots. He also receives funding from NSERC as a Canada Banting Postdoctoral Fellow. He also receives funding from MITACS as a part of their Accelerate Entrepreneur Program. He holds both scholarships at Carleton University. He is also the CEO of enuf, a Bcorp-certified social enterprise focused on sustainable waste management.

    – ref. Using fire to produce nanoparticles could revolutionize various industries – https://theconversation.com/using-fire-to-produce-nanoparticles-could-revolutionize-various-industries-234058

    MIL OSI – Global Reports –

  • MIL-OSI Global: The woman who turned the Met Gala into the biggest party of the year

    Source: The Conversation – USA – By Elizabeth Castaldo Lundén, SweAmfo/ASF Research Fellow at USC School of Cinematic Arts | Fulbright Scholar, University of Southern California

    Diana Vreeland takes a drag from her cigarette as she greets Andy Warhol. Ron Galella Collection/Getty Images

    The annual Met Gala in New York City is a dazzling collision of celebrity, fashion and media frenzy.

    The event is ostensibly a fundraiser for the Metropolitan Museum of Art’s Costume Institute, which houses a vast collection of historical costumes and fashion artifacts.

    But for many people, it’s that time of year when their social media feeds become awash with posts, stories and live streams of A-list actors, musicians and influencers ascending the iconic steps of the Metropolitan Museum of Art to showcase their elaborate outfits.

    Zendaya at the 2024 Met Gala, which was themed ‘Sleeping Beauties: Reawakening Fashion.’
    Neilson Barnard/MG24/Getty Images for The Met Museum/Vogue

    The gala has come a long way since its early days as an intimate fundraising event for the local fashion industry and New York’s old-guard elite.

    Through my research at the Met’s Thomas J. Watson Library, I discovered the ways in which a former fashion editor named Diana Vreeland elevated this formerly stuffy charity ball into a global media sensation.

    A low-key affair

    Philanthropist and arts patron Irene Lewisohn launched the Museum of Costume Art in 1937 to promote the preservation and study of historical clothing. In 1946, New York fashion publicist Eleanor Lambert helped bring the museum’s collection under the purview of the Metropolitan Museum of Art, with the caveat that it would operate independently of the museum’s budget. It was then renamed the Costume Institute.

    Dorothy Shaver burnished the reputation of the Costume Institute in its early years.
    Erwin Blumenfeld/Condé Nast via Getty Images

    In 1948, Lambert organized the inaugural gala to raise funds for the institute. The following year, Lord & Taylor president Dorothy Shaver established a formal management structure for both the institute and its annual gala, streamlined operations, and helped burnish the reputation of the fledgling institution among New York’s social elite. During her tenure, gala revenues climbed steadily, from US$31,723 in 1949 to $118,775 in 1958 – roughly $1.3 million in today’s dollars.

    The Met Gala that Shaver shaped looked similar, in many ways, to today’s: There was a theme, a formal dinner, live entertainment and a fashion parade that attendees could participate in. There were also a photographers row, where guests could be snapped by famed fashion photographers for a fee, and raffles with department store prizes.

    After Shaver’s death in 1958, department store executives continued to steer the gala, but attendance and revenue waned. In 1961, in an effort to cut costs and revive interest, the event was moved into the museum itself.

    The gala needed a reinvention. Soon, it would get one.

    Vreeland’s vision

    Diana Vreeland took the reins of the Met Gala in 1973.

    She’d had a storied career in fashion journalism, including stints as fashion editor of Harper’s Bazaar and editor-in-chief of Vogue.

    Vreeland, however, understood that in order for the gala to grow, it needed to become a newsworthy event that would be of interest to those who might not even attend the gala itself. So she selected spectacular, sometimes controversial themes that would generate interest from the press.

    Vreeland’s first exhibition in 1973 was bold: a tribute to a single designer, Cristóbal Balenciaga.

    “The World of Balenciaga” was funded by the Spanish government, Iberia Airlines and five Spanish banks – a controversial move, considering Spain was still under Francisco Franco’s dictatorship. The show featured Franco’s granddaughter’s wedding dress as one of the central pieces.

    Some curators also bristled at Vreeland’s unorthodox approach to exhibition planning, such as blurring time periods, displaying clothes without providing historical context and prioritizing beauty over scholarship.

    “She knows fashion and who wore it,” one former museum official said, “but she doesn’t know history.”

    Nonetheless, critics deemed the gala and its accompanying exhibition a huge success. American designer Stan Herman declared that the garments “belong in a museum, like good paintings.”

    In the coming years, Vreeland’s other themes included “Romantic and Glamorous Hollywood Design,” “The ‘10s, ’20s and ’30s,” and “American Women of Style.” The latter was accompanied by a Vogue magazine spread starring actress and model Marisa Berenson, who channeled iconic American “it girls” like Irene Castle, Consuelo Vanderbilt and Josephine Baker.

    Models and actresses wear costumes and masks for the Costume Institute’s 1974 exhibition ‘Romantic and Glamorous Hollywood Design.’ Diana Vreeland is seated in the center, sans mask.

    Buzz and pizzazz

    Before Vreeland, coverage of the gala was limited to society pages and publications like Women’s Wear Daily.

    Vreeland knew how to generate buzz because she thought like an editor. She also knew how to charm the press. Vreeland popularized words like “pizzazz,” “splendeur” and “deeveen.” She told tales of discovering model and actress Lauren Bacall and the work of fashion designer Roy Halston. She regaled reporters with stories of allegedly visiting Buffalo Bill in Wyoming.

    Under Vreeland’s leadership, media coverage of the gala and exhibitions exploded, with articles appearing in The New York Times, The New Yorker, New York Magazine, People, Interview, Le Figaro, Le Monde, Revista Hola!, ABC de las Americas, Il Tempo, Paris Herald Tribune and Tokyo’s High Fashion, among others. During her tenure, she also opened the doors to reporters and photographers so they could cover the night of the event.

    In an interview with Women’s Wear Daily she said, “I am an entertainer. And I believe in wit, and good nature, and laughter.”

    Corporate controversies

    With “The World of Balenciaga,” Vreeland also pioneered the use of corporate sponsorships to finance the exhibitions and parties. In 1982, Pierre Cardin Management funded “La Belle Époque,” a Met Gala theme associated with the relaunch of the famed Paris restaurant Maxim’s, in which Cardin had invested.

    In 1983, Vreeland courted controversy again with the first exhibition honoring a living designer — Yves Saint Laurent — underwritten by the Pierre Bergé Foundation. Bergé was Saint Laurent’s life and business partner.

    The show was launched amid rumors of the designer’s declining health and growing criticism of the museum being exploited as a publicity platform.

    “One day the god of the Temple of Dendur will cry: ‘I am not on earth to share a museum with a bunch of fashion freaks!’” critic John Heilpern groused in the East Side Express.

    The following year, Ralph Lauren became the central sponsor and guest of honor for “Man and the Horse.”

    Diana Vreeland and designer Ralph Lauren at the 1984 gala, which was themed ‘Man and the Horse’ and sponsored by Lauren.
    Sonia Moskowitz/Getty Images

    The Met set

    Under Vreeland, a new kind of guest list also emerged.

    The rise of celebrity culture in the 1960s gave birth to the “jet set” – beautiful people whose fame transcended traditional society circles.

    Vreeland embraced this shift. She made space at the gala for the likes of Andy Warhol, Bianca and Mick Jagger, Halston and his Halstonettes, David Bowie, Cher, Diana Ross, Warren Beatty and Jack Nicholson.

    Their presence helped transform the gala from society soirée to pop culture phenomenon.

    After Vreeland’s death in 1989, the event lost some its splendor under the guidance of museum curators. Women’s Wear Daily columnist Aileen Mehle later lamented the decline, writing that the event had become “a far cry from the dear old Diana Vreeland days when that fashion oracle called the Costume Institute’s shots, and elegance and anticipation abounded.”

    In the late 1990s, however, the museum curators who had run the event since Vreeland’s death ceded control back to the fashion industry. High-end brands like Chanel, Versace and Christian Dior sponsored the Met Gala, while fashion editors such as Liz Tilberis and Anna Wintour chaired the event.

    By channeling Vreeland’s vision, they were able to turn the gala into the global media spectacle it is today, which now thrives in an era of social media and global branding.

    This year’s theme, “Superfine: Tailoring Black Styles,” is co-chaired by rapper-producer Pharrell Williams, who is also the artistic director of Menswear at Louis Vuitton. The LVMH conglomerate – Moët Hennessy Louis Vuitton – is the sponsor, showing how the gala continues to operate as a platform where corporate branding, celebrity culture and high culture converge.

    Taylor Swift attends the 2014 Met Gala, themed ‘Charles James: Beyond Fashion.’
    Dimitrios Kambouris/Getty Images

    Elizabeth Castaldo Lundén received funding from Fulbright (2023-2024)

    – ref. The woman who turned the Met Gala into the biggest party of the year – https://theconversation.com/the-woman-who-turned-the-met-gala-into-the-biggest-party-of-the-year-250363

    MIL OSI – Global Reports –

  • MIL-OSI Global: Pandas and politics − from World War II to the Cold War, zoos have always been ideological

    Source: The Conversation – USA – By John M. Kinder, Professor of History and American Studies, Oklahoma State University

    Giant panda Xiao Qi Ji walks around his enclosure at the Smithsonian National Zoo in September 2023 in Washington, D.C. Anna Moneymaker/Getty Images

    President Donald Trump’s sweeping range of more than 130 executive orders and other decisions aim to upend everything from long-standing immigration policy to the control of a performing arts center.

    But so far, zoos are not among the many issues the Trump administration has focused on.

    That might no longer be the case.

    Trump issued an executive order on March 27, 2025, to restore “truth and sanity” at federal history sites.

    “Over the past decade, Americans have witnessed a concerted and widespread effort to rewrite our Nation’s history,” Trump wrote in the executive order, “replacing facts with a distorted narrative driven by ideology rather than truth.” As a corrective, he instructed Vice President JD Vance to ferret out “improper ideology” at the Smithsonian Institution, a group of museums and research centers created and funded by the federal government.

    The executive order also applied to the National Zoo in Washington, D.C., which has been part of the Smithsonian since 1890.

    For Trump’s critics, the suggestion that zoos might be indoctrinating visitors was absurd.

    NBC “Late Night” host Seth Meyers joked about the executive order on his show on April 2, characterizing it as evidence of an authoritarian personality.

    “Seriously, what the hell is ‘improper’ ideology at the zoo? Trump is starting to get into weird dictator s—,” Meyers said.

    Meyers’ astonishment should come as no surprise. Zoos go to great lengths to portray themselves as scientifically objective and politically neutral.

    Yet as a scholar of wars’ effects on American culture and society, I know that zoos have always been ideological, sending subtle – and not so subtle – messages about topics that have little to do with animals.

    Historically, zoos have been used to justify colonial exploitation. They have lent weight to eugenicist ideas about racial hierarchy. And they have served as backdrops for all kinds of political theater.

    During the 1920s and 1930s, for example, Italian strongman Benito Mussolini liked to climb inside the lion cage at the Rome Zoo to demonstrate the courage and vitality he associated with fascist politics.

    As I argue in my 2025 book “World War Zoos: Humans and Other Animals in the Deadliest Conflict of the Modern Age,” the links between zoos and national politics are especially pronounced in periods of war.

    Benito Mussolini, the longtime fascist dictator of Italy, visits a zoo in Rome in 1924.

    World war zoos

    Zoo ownership and funding models depend on the individual zoo, but many zoos receive at least some government funding to operate.

    At the start of World War II, most governments required zoos to embrace an ideology of sacrifice – a willingness to set the needs of the state above their own.

    For zoos in North America and the British Empire, this meant slashing workers’ pay, rationing food supplies and offering uniformed soldiers special access to zoo facilities.

    It also meant destroying animals considered a threat to public safety, especially in the event of a bombing or assault that could set them free. In 1939, the London Zoo killed more than 200 animals, starting with the black widow spiders and venomous snakes. Other zoos did the same, slaughtering their animal collections as a precaution against possible escape.

    Joan the hippo at the London Zoo gets a drink of water in June 1939.
    Fox Photos/Getty Images

    Authoritarian governments during World War II exercised almost total control over their nations’ zoos.

    Under Adolf Hitler, German zoos enforced “Aryan-only” visitation policies, festooned their grounds with swastikas, hosted galas for Nazi dignitaries and exhibited animals looted from zoos in occupied nations.

    In Japan, the governor of Tokyo ordered the Ueno Zoo to carry out a series of “propaganda killings” aimed at strengthening public commitment to the wartime struggle. Starting in August 1943, zoo staff shot, electrocuted, stabbed and strangled more than 20 animals, including a polar bear, an American bison, a python and a leopard cub.

    Tokyo’s zoo also starved to death three elephants named Jon, Tonki and Hanako. Weeks after the zoo held an official funeral for its animals, two of the three elephants that were not actually dead continued to suffer, their cages covered in bunting so the public would not see the ghastly evidence.

    Even as the fighting raged, the Soviet government directed its zoos to develop practical measures to help the war effort. At the Moscow Zoo, staff taught people how to breed mice and rabbits for medical applications, such as vaccine testing.

    All the while, Soviet zoo employees had to demonstrate ideological vigilance in the workplace. Any slipup could mean official sanction, loss of position or worse.

    Cold War zoos

    During the Cold War, governments around the world continued to view zoos through an ideological lens.

    This was especially true in Berlin, where the city’s two zoos – one in the capitalist West, the other in the communist East – became symbols of competing ideological worldviews.

    No zoo animals were more ideologically fraught in the Cold War than giant pandas, endemic to the forested mountains of central China.

    In the 1950s and 1960s, American zoos were denied permission by the U.S. government to import pandas from China. The State Department considered them “enemy goods.”

    First lady Pat Nixon welcomes pandas to the National Zoo in Washington, D.C., in 1972.

    That changed in 1972, when President Richard Nixon, during a thawing of the Cold War, famously returned from China with Ling-Ling and Hsing-Hsing, the first giant pandas who were gifted to and exhibited in the U.S. in decades.

    The National Zoo unveiled China’s latest “soft power ambassadors” in January 2025. Three-year-old pandas Bao Li and Qing Bao are set to remain in D.C. for 10 years – long enough to win the hearts and minds of millions of zoo visitors.

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

    – ref. Pandas and politics − from World War II to the Cold War, zoos have always been ideological – https://theconversation.com/pandas-and-politics-from-world-war-ii-to-the-cold-war-zoos-have-always-been-ideological-255305

    MIL OSI – Global Reports –

  • MIL-OSI Global: Guns in America: A liberal gun-owning sociologist offers 5 observations to understand America’s culture of firearms

    Source: The Conversation – USA – By David Yamane, Professor of Sociology, Wake Forest University

    About 86 million American adults own at least one of the estimated 400 million firearms in the U.S. today. Paul Campbell, iStock / Getty Images Plus

    An Asian American and lifelong liberal from the San Francisco Bay Area, I became a first-time gun owner as a 42-year-old in 2011. I began a now 14-year journey into an unfamiliar and complex world of firearms. In my work, I draw on both my personal experiences and sociological observations to understand the long-standing presence of a robust legal gun culture in America.

    In contrast to the dominant scholarly approaches, which focus on gun deviance and harm, I find there is more to firearms than criminal violence, injury and death; more to gun owners than straight white men; and more to gun culture than democracy-destroying right-wing politics.

    Let me share five observations essential to understanding guns in America:

    1. Guns are normal

    About 86 million American adults – 1 in 3 – own at least one of the estimated 400 million firearms in the U.S. today.

    Imagine if everyone who uses TikTok in the U.S. owned a gun – and then add the population of New York City. That is enough gun owners to fill over 1,000 NFL stadiums.

    Humans have used projectile weapons like rocks and spears from the beginning. This unbroken history continues in every society, with firearms as the weapon of choice in all but the most isolated communities. People who could legally own guns in colonial America commonly did so. Even today, civilian firearms ownership remains exceptionally high in the U.S. compared with other industrialized nations.

    The right of everyday Americans to own guns is a deep part of American culture, enshrined in the U.S. Constitution and many state constitutions.

    2. Gun culture 2.0

    The culture of guns in the U.S. has evolved over time.

    Before the mid-1800s, people primarily used firearms for practical purposes: hunting for food, defense from and offense against indigenous populations, controlling enslaved people, expanding territory and fighting against oppressive rulers.

    Kevin Dixie, at a firearms retailer and gun range in Ballwin, Mo., believes that gun rights are about empowering minority communities and ensuring freedom for every American.
    AP Photo/Jeff Roberson

    Starting in the mid-1800s, Americans developed a more complex gun culture that included recreational hunting, organized target shooting and gun collecting. These elements continue today, but, in a shift, Americans increasingly own guns for self-defense.

    Evidence for the evolution to what I call “Gun Culture 2.0” appears in three key areas: surveys about why people own guns, the loosening of gun-carrying laws beginning in the 1980s, and changes in both the types of firearms sold and how companies market them, especially toward small, concealable pistols.

    3. Gun ownership is diverse

    Black Americans have a particularly strong tradition of gun ownership dating at least to the 19th-century abolitionist movement.

    Today, 1 in 4 Black Americans, as well as 1 in 5 Latinos and 1 in 4 women, personally own a gun. Twenty percent of gun owners consider themselves politically liberal. For every four evangelical Protestants who own handguns, three people who don’t identify with any religion own them too. Scholars are even beginning to discover the importance of LGBTQ+ gun owners.

    Gun Culture 2.0 is more diverse and inclusive than the United States’ historical gun culture because security is a universal human concern.

    The response to feelings of insecurity varies. Portfolios of protective measures in the U.S. include home security systems, dogs, the hyperlocal social networking service Nextdoor, gated communities and firearms.

    4. Guns are lethal tools

    Many tools like knives and chainsaws are lethal, meaning they have the capacity to cause death. Guns differ because their lethality is by design. Consequently, guns can make dangerous situations more deadly.

    Despite their ubiquity and deadly potential, accidental firearm deaths are relatively rare and declining in the U.S., numbering fewer than 500 annually in recent years. Most gun deaths are intentional, with suicides accounting for 58% and homicides for 38% of 46,728 gun deaths in 2023.

    While the U.S. has a moderate overall suicide rate compared with other developed countries, it has a firearm suicide rate that substantially exceeds these other nations. This is because firearms are widely available and highly lethal. When people attempt suicide using guns, they die in up to 90% of cases.

    Similarly, although the U.S. is not exceedingly violent or criminal compared with peer nations, its criminal violence is more deadly because these lethal tools are more frequently involved.

    Starting in the mid-1800s, Americans developed a more complex gun culture that included recreational hunting, as depicted in this 1852 lithograph of woodcock hunters.
    Universal History Archive/Getty Images

    5. Guns are paradoxical

    Despite high rates of firearm suicide and homicide, most guns in the U.S. will not kill anyone, and most American gun owners will not commit violence against themselves or others. My calculations, based on the 2023 Centers for Disease Control and Prevention data, indicate that just one gun death occurred per 8,560 firearms and 1,840 gun owners – meaning at least 99.99% of guns and 99.95% of gun owners were not directly involved in fatalities that year.

    These observations collectively point to a final insight: Guns resist simple categorization and embody multiple paradoxes.

    To different people, they are fun and frightening, dangerous and protective, diffuse and concentrated, unifying and divisive, attractive and repulsive, interesting and controversial, useful and useless, good and bad, and neither good nor bad.

    This is to say, guns are not inherently anything. They take on different meanings according to the various purposes to which people put them.

    A realistic view requires maintaining a clear-eyed understanding of the lethal capabilities of firearms. But the tendency to focus exclusively on firearms-related harms, while understandable, becomes a problem, in my view, when it fails to acknowledge the normality of guns and the diversity of gun owners.

    David Yamane has received funding from The Louisville Institute for the Study of American Religion to study church security. He is a member of the Liberal Gun Club, National African American Gun Association, and National Rifle Association, and financially supports the Liberal Gun Owners 501c4 and Walk the Walk America 501c3 organizations.

    – ref. Guns in America: A liberal gun-owning sociologist offers 5 observations to understand America’s culture of firearms – https://theconversation.com/guns-in-america-a-liberal-gun-owning-sociologist-offers-5-observations-to-understand-americas-culture-of-firearms-251084

    MIL OSI – Global Reports –

  • MIL-OSI Global: Deporting international students risks making the US a less attractive destination, putting its economic engine at risk

    Source: The Conversation – USA – By David L. Di Maria, Vice Provost for Global Engagement, University of Maryland, Baltimore County

    Boston University students march to demand the school declare itself a sanctuary campus to protect their peers from the federal government regardless of their immigration status, on April 3, 2025. Jessica Rinaldi/The Boston Globe via Getty Images

    In early April 2025, the Trump administration terminated the immigration statuses of thousands of international students listed in a government database, meaning they no longer had legal permission to be in the country. Some students self-deported instead of facing deportation.

    The U.S. Department of Homeland Security recently announced that it would reverse the terminations after courts across the country determined they did not have merit.

    These moves come as the White House seeks to enhance vetting and screening of all foreign nationals.

    The State Department in March announced plans to use artificial intelligence to review international students’ social media accounts.

    As an administrator and scholar who specializes in international higher education, I know that international students in the United States have long been subjected to a high level of vetting, screening and monitoring.

    Inserting additional bureaucracy into current processes could make the U.S. a less attractive study destination. I believe this would ultimately hamper the Trump administration’s ability to achieve its “America First” priorities related to the economy, science and technology, and national security.

    International students in the US

    The U.S. has long been the global leader in attracting international students. But competition for these students is increasing as other countries, such as Germany and South Korea, enact strategies for attracting international education.

    The U.S. hosts 16% of all students studying outside of their home country, down from 22% in 2014 and 28% in 2001, according to the Institute of International Education. Of the more than 1 million international students who were present in the U.S. during the 2023-2024 academic year, 54% came from just two countries, China and India.

    Most international students pursue graduate degrees in STEM fields – science, technology, engineering and mathematics. And, according to the National Science Foundation, international students make up a significant portion of enrollment at the master’s and doctoral levels.

    How international students are screened

    International students in the U.S. are already subjected to intense screening and continuous monitoring. These measures include:

    • Vetting the student’s school. Before they can apply for a visa, international students must be admitted to a school authorized by the Department of Homeland Security to enroll people on student visas.

    • Vetting at the embassy. As part of the visa application process, international students are subjected to national security reviews carried out by various intelligence and law enforcement agencies. In some cases, such as when a U.S. consular officer in their home country decides that more information is required from external sources to determine visa eligibility, additional screenings occur. That is done through a process known as administrative processing.

    • Vetting upon arrival. When they arrive in the U.S., international students are again screened by a U.S. Customs and Border Protection officer. If the officer is unable to verify any information, the student is sent to secondary inspection, a secure interview area where the student waits while officers complete additional assessment. The student is then either admitted to the U.S. or forced to depart the country.

    • Ongoing monitoring while in the U.S. If permitted to enter the country, students must enroll full time, earn good grades and notify their school within 10 days of substantive changes to their circumstances.

    Examples include a change to their address, academic major or financial sponsor. And school officials are required to report this information to the Student and Exchange Visitor Program, part of U.S. Immigration and Customs Enforcement’s National Security Investigations Division.

    Students participating in temporary, postgraduation training programs must continue to comply with reporting requirements. And certain STEM graduates, and their employers, are subject to additional requirements. They include certification of training plans, annual evaluations and site visits.

    Most international students prefer to study in the U.S., recent research shows. But they are willing to change their preferences as other countries introduce friendlier visa policies, such as more flexible post-study work opportunities and lower visa costs.

    Given the current level of screening and monitoring already imposed on international students in the U.S., it is unclear how additional measures would add value.

    Boston University police officers speak to each other as students protest outside a dean’s office demanding the school declare itself a sanctuary campus, on April 3, 2025.
    Jessica Rinaldi/The Boston Globe via Getty Images

    Critical to an America First agenda

    President Donald Trump’s “America First” agenda aims to grow the U.S. economy.

    It also intends to maintain U.S. leadership in science and technology and enhance national security.

    Trump administration officials have underlined the importance of recruiting top global talent. And Trump has said that international students who graduate from U.S. colleges should be awarded a green card with their degree.

    During the 2023-2024 academic year, international students contributed US$43.8 billion to the U.S. economy through tuition and living expenses, which supported an estimated 378,175 U.S. jobs.

    Their contributions don’t end following graduation, according to the National Bureau of Economic Research. Many go on to launch successful startups at a rate that is eight to nine times higher than their domestic peers. In fact, 25% of billion-dollar companies in the U.S. were founded by a former international student.

    Such companies include Eventbrite, Grammarly, Moderna, OpenAI, Robinhood and SpaceX.

    International students also help the U.S. maintain global leadership in STEM.

    Consider that 45% of STEM workers in the U.S. holding a doctoral degree were born outside the U.S.

    A 2024 report cautions that the U.S. is failing to develop domestic STEM talent at all levels of the education system. Just 3.2% of U.S. high school graduates are estimated to enter the STEM workforce.

    Moreover, the country’s ability to attract and retain international STEM talent is decreasing due to immigration restrictions and increased global competition.

    Finally, international students are critical to establishing global networks and promoting soft power diplomacy. This is evidenced by the U.S. having graduated more world leaders than any other nation.

    Further restricting the ability of international students to study in the U.S. will ultimately redirect talent to other countries, allies and adversaries alike.

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

    – ref. Deporting international students risks making the US a less attractive destination, putting its economic engine at risk – https://theconversation.com/deporting-international-students-risks-making-the-us-a-less-attractive-destination-putting-its-economic-engine-at-risk-249245

    MIL OSI – Global Reports –

  • MIL-OSI Video: Department of State Press Briefing – May 1, 2025 – 2:00 PM

    Source: United States of America – Department of State (video statements)

    Spokesperson Tammy Bruce leads the Department Press Briefing, at the Department of State, on May 1, 2025.

    ———-
    Under the leadership of the President and Secretary of State, the U.S. Department of State leads America’s foreign policy through diplomacy, advocacy, and assistance by advancing the interests of the American people, their safety and economic prosperity. On behalf of the American people we promote and demonstrate democratic values and advance a free, peaceful, and prosperous world.

    The Secretary of State, appointed by the President with the advice and consent of the Senate, is the President’s chief foreign affairs adviser. The Secretary carries out the President’s foreign policies through the State Department, which includes the Foreign Service, Civil Service and U.S. Agency for International Development.

    Get updates from the U.S. Department of State at www.state.gov and on social media!
    Facebook: https://www.facebook.com/statedept
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    Subscribe to the State Department Blog: https://www.state.gov/blogs
    Watch on-demand State Department videos: https://video.state.gov/
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    State Department website: https://www.state.gov/
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    Terms of Use: https://state.gov/tou

    #StateDepartment #DepartmentofState #Diplomacy

    https://www.youtube.com/watch?v=ztlWO0yZy14

    MIL OSI Video –

  • MIL-OSI China: China’s Canton Fair cuts booth fees to support exporters

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

    GUANGZHOU, May 1 — The 137th China Import and Export Fair, also known as the Canton Fair, will reduce booth fees by 50 percent for export exhibitors, a move aimed at helping exporters navigate global trade challenges.

    Booths in rural revitalization and other special zones will remain rent-free, the China Foreign Trade Center, organizer of the Canton Fair, announced on Thursday as the third phase of the fair opened.

    The adjusted booth fees have been published on the fair’s official website, with a 9-square-meter booth now generally priced at just over 10,000 yuan (about 1,375 U.S. dollars). The waived portion of the previously collected fees will be refunded, according to the organizer.

    The third phase features over 12,000 exhibitors in 21 sections, showcasing products such as toys and maternity goods, fashion, home textiles, stationery, and health and recreation items.

    This edition of the fair, held in the southern Chinese metropolis of Guangzhou from April 15 to May 5, is organized into three themed phases. The first one focused on advanced manufacturing, the second on quality home furnishings, and the third on products that promote a better quality of life.

    More than 220,000 overseas buyers from 219 countries and regions attended the first two phases, setting a record. The fair has seen packed venues with vibrant buyer-seller engagement since opening, indicating the resilience of China’s foreign trade.

    MIL OSI China News –

  • MIL-OSI: Lloyds Bank PLC: 2025 Q1 Interim Management Statement

    Source: GlobeNewswire (MIL-OSI)

    LONDON, May 01, 2025 (GLOBE NEWSWIRE) —

    Lloyds Bank plc
    Q1 2025 Interim Management Statement
    1 May 2025

    Member of the Lloyds Banking Group

    FORWARD LOOKING STATEMENTS

    This document contains certain forward-looking statements within the meaning of Section 21E of the US Securities Exchange Act of 1934, as amended, and section 27A of the US Securities Act of 1933, as amended, with respect to the business, strategy, plans and/or results of Lloyds Bank plc together with its subsidiaries (the Lloyds Bank Group) and its current goals and expectations. Statements that are not historical or current facts, including statements about the Lloyds Bank Group’s or its directors’ and/or management’s beliefs and expectations, are forward-looking statements. Words such as, without limitation, ‘believes’, ‘achieves’, ‘anticipates’, ‘estimates’, ‘expects’, ‘targets’, ‘should’, ‘intends’, ‘aims’, ‘projects’, ‘plans’, ‘potential’, ‘will’, ‘would’, ‘could’, ‘considered’, ‘likely’, ‘may’, ‘seek’, ‘estimate’, ‘probability’, ‘goal’, ‘objective’, ‘deliver’, ‘endeavour’, ‘prospects’, ‘optimistic’ and similar expressions or variations on these expressions are intended to identify forward-looking statements. These statements concern or may affect future matters, including but not limited to: projections or expectations of the Lloyds Bank Group’s future financial position, including profit attributable to shareholders, provisions, economic profit, dividends, capital structure, portfolios, net interest margin, capital ratios, liquidity, risk-weighted assets (RWAs), expenditures or any other financial items or ratios; litigation, regulatory and governmental investigations; the Lloyds Bank Group’s future financial performance; the level and extent of future impairments and write-downs; the Lloyds Bank Group’s ESG targets and/or commitments; statements of plans, objectives or goals of the Lloyds Bank Group or its management and other statements that are not historical fact and statements of assumptions underlying such statements. By their nature, forward-looking statements involve risk and uncertainty because they relate to events and depend upon circumstances that will or may occur in the future. Factors that could cause actual business, strategy, targets, plans and/or results (including but not limited to the payment of dividends) to differ materially from forward-looking statements include, but are not limited to: general economic and business conditions in the UK and internationally (including in relation to tariffs); imposed and threatened tariffs and changes to global trade policies; acts of hostility or terrorism and responses to those acts, or other such events; geopolitical unpredictability; the war between Russia and Ukraine; the conflicts in the Middle East; the tensions between China and Taiwan; political instability including as a result of any UK general election; market related risks, trends and developments; changes in client and consumer behaviour and demand; exposure to counterparty risk; the ability to access sufficient sources of capital, liquidity and funding when required; changes to the Lloyds Bank Group’s or Lloyds Banking Group plc’s credit ratings; fluctuations in interest rates, inflation, exchange rates, stock markets and currencies; volatility in credit markets; volatility in the price of the Lloyds Bank Group’s securities; natural pandemic and other disasters; risks concerning borrower and counterparty credit quality; risks affecting defined benefit pension schemes; changes in laws, regulations, practices and accounting standards or taxation; changes to regulatory capital or liquidity requirements and similar contingencies; the policies and actions of governmental or regulatory authorities or courts together with any resulting impact on the future structure of the Lloyds Bank Group; risks associated with the Lloyds Bank Group’s compliance with a wide range of laws and regulations; assessment related to resolution planning requirements; risks related to regulatory actions which may be taken in the event of a bank or Lloyds Bank Group or Lloyds Banking Group failure; exposure to legal, regulatory or competition proceedings, investigations or complaints; failure to comply with anti-money laundering, counter terrorist financing, anti-bribery and sanctions regulations; failure to prevent or detect any illegal or improper activities; operational risks including risks as a result of the failure of third party suppliers; conduct risk; technological changes and risks to the security of IT and operational infrastructure, systems, data and information resulting from increased threat of cyber and other attacks; technological failure; inadequate or failed internal or external processes or systems; risks relating to ESG matters, such as climate change (and achieving climate change ambitions) and decarbonisation, including the Lloyds Bank Group’s or the Lloyds Banking Group’s ability along with the government and other stakeholders to measure, manage and mitigate the impacts of climate change effectively, and human rights issues; the impact of competitive conditions; failure to attract, retain and develop high calibre talent; the ability to achieve strategic objectives; the ability to derive cost savings and other benefits including, but without limitation, as a result of any acquisitions, disposals and other strategic transactions; inability to capture accurately the expected value from acquisitions; and assumptions and estimates that form the basis of the Lloyds Bank Group’s financial statements. A number of these influences and factors are beyond the Lloyds Bank Group’s control. Please refer to the latest Annual Report on Form 20-F filed by Lloyds Bank plc with the US Securities and Exchange Commission (the SEC), which is available on the SEC’s website at www.sec.gov, for a discussion of certain factors and risks. Lloyds Bank plc may also make or disclose written and/or oral forward-looking statements in other written materials and in oral statements made by the directors, officers or employees of Lloyds Bank plc to third parties, including financial analysts. Except as required by any applicable law or regulation, the forward-looking statements contained in this document are made as of today’s date, and the Lloyds Bank Group expressly disclaims any obligation or undertaking to release publicly any updates or revisions to any forward-looking statements contained in this document whether as a result of new information, future events or otherwise. The information, statements and opinions contained in this document do not constitute a public offer under any applicable law or an offer to sell any securities or financial instruments or any advice or recommendation with respect to such securities or financial instruments.

    FINANCIAL REVIEW

    Income statement

    The Group’s profit before tax for the first three months of 2025 was £1,177 million, 26% lower than the same period in 2024. This was driven by higher operating expenses and a higher impairment charge. Profit after tax was £881 million (three months to 31 March 2024: £1,159 million).

    Total income for the first three months of 2025 was £4,371 million, broadly in line with the same period in 2024 (three months to 31 March 2024: £4,385 million). Net interest income of £3,244 million was up 4% on the prior year (three months to 31 March 2024: £3,127 million), driven by a higher margin and higher average interest-earning assets. Other income decreased by 10% to £1,127 million (three months to 31 March 2024: £1,258 million). The decrease in other income reflected improved performance in UK Motor Finance, with fleet growth and higher average vehicle rental values, which was more than offset by negative market volatility and a reduction in income from fellow Lloyds Banking Group undertakings.

    Total operating expenses of £2,884 million were 6% higher than in the prior year. This reflects higher costs, combining inflationary pressures, timing of strategic investment including planned higher severance front-loaded into the first quarter of 2025 and business growth costs, partly offset by cost savings and continued cost discipline. This is alongside higher operating lease depreciation, as a result of fleet growth, the depreciation of higher value vehicles and declines in used electric car prices over 2024.

    No net remediation charge was recognised by the Group in the first three months of 2025 (three months to 31 March 2024: £25 million). There have been no further charges relating to motor finance commission arrangements. The Supreme Court heard the appeal of the Wrench, Johnson and Hopcraft decision in early April and has stated that it is likely to produce its judgment in July. The FCA has indicated that the decision will inform its next steps in the discretionary commission arrangements (DCA) review and that it will confirm within six weeks of the decision if it is proposing a redress scheme and if so, how it will take that forward. The FCA has also noted that its next steps on non-DCA complaints will be informed by the decision.

    The impairment charge was £310 million, up from £70 million in the three months to 31 March 2024. Asset quality remained resilient in the quarter. The charge included strong portfolio performance in Retail, more than offset by a higher charge in Commercial Banking, partly due to the non-recurrence of a release from loss rates used in the model in 2024. The charge also included a £100 million central adjustment to address downside risks to the base case related to the potential impact from US tariff policies announced at the start of April. These were becoming apparent around the balance sheet date and were determined to not be fully captured within the modelled divisional ECL allowances. This is partially offset by benefits to the MES from small increases to house price and wage growth expectations.

    FINANCIAL REVIEW (continued)

    Balance sheet

    Total assets were £5,143 million, or 1%, higher at £616,356 million at 31 March 2025 (31 December 2024: £611,213 million).

    Financial assets at amortised cost were £3,135 million higher at £508,032 million (31 December 2024: £504,897 million) with increases in loans and advances to customers. This included growth of £4,807 million in UK mortgages and growth across UK Retail unsecured loans, credit cards, UK Motor Finance and the European retail business. Lending balances reduced in Commercial Banking as a result of repayments of government-backed lending. The growth in loans and advances to customers was partly offset by a £908 million reduction in reverse repurchase agreements, a £302 million reduction in loans and advances to banks and a £1,474 million reduction in debt securities.

    Cash and balances at central banks decreased 1% to £42,000 million. Financial assets held at fair value through profit or loss increased by £733 million, due to increased reverse repurchase agreements. Derivative financial assets were £520 million lower at £3,715 million (31 December 2024: £4,235 million), driven by interest rate and currency movements in the period. Financial assets at fair value through other comprehensive income were stable in the period at £30,682 million. Other assets were £1,853 million higher, primarily reflecting increased settlement balances.

    Total liabilities were £3,230 million higher at £574,696 million (31 December 2024: £571,466 million). Customer deposits of £456,574 million increased in the period by £4,780 million. Retail deposits increased by £2,637 million in the period, driven by net inflows to limited withdrawal and fixed term deposits alongside higher current account balances. Commercial Banking deposits were up in the quarter, aided by short term balances.

    Other liabilities increased by £1,034 million reflecting increased settlement balances, while debt securities in issue decreased by £2,789 million, with higher levels of maturities in the period.

    Total equity increased to £41,660 million at 31 March 2025 (31 December 2024: £39,747 million). The increase primarily reflected profit attributable to ordinary shareholders alongside unwind of the cash flow hedge reserve and issuance of an AT1 capital instrument in February 2025 to Lloyds Banking Group plc.

    Capital

    The Group’s common equity tier 1 (CET1) capital ratio reduced to 13.6% at 31 March 2025 from 13.7% at 31 December 2024. Profit for the first three months of the year was offset by the accrual for foreseeable ordinary dividends and an increase in risk-weighted assets.

    The Group’s total capital ratio at 31 March 2025 remained at 19.9% (31 December 2024: 19.9%). The increase in CET1 capital and the issuance of a new AT1 capital instrument were offset by the increase in risk-weighted assets and a reduction in tier 2 capital reflecting an instrument call and other movements.

    Risk-weighted assets increased by £3,955 million to £190,951 million at 31 March 2025 from £186,996 million at 31 December 2024. This reflects the impact of lending growth, but also includes a temporary c.£2.5 billion increase primarily due to hedging activity that is expected to reverse by the third quarter. The growth in risk-weighted assets was partly offset by continued optimisation activity and other movements.

    The Group’s UK leverage ratio increased to 5.5% at 31 March 2025 from 5.4% at 31 December 2024, reflecting an increase in the total tier 1 capital position, partially offset by an increase in the leverage exposure measure. The latter reflects increases across loans and advances and other assets, due in part to lending growth, partially offset by a reduction in the measure for securities financing transactions.

     
    CONDENSED CONSOLIDATED INCOME STATEMENT (UNAUDITED)
               
      Three
    months
    ended
    31 Mar
    2025
    £m    		     Three
    months
    ended
    31 Mar
    2024
    £m    		  
           
    Net interest income 3,244     3,127  
    Other income 1,127     1,258  
    Total income 4,371     4,385  
    Operating expenses (2,884 )   (2,728 )
    Impairment (310 )   (70 )
    Profit before tax 1,177     1,587  
    Tax expense (296 )   (428 )
    Profit after tax 881     1,159  
           
    Profit attributable to ordinary shareholders 774     1,069  
    Profit attributable to other equity holders 98     86  
    Profit attributable to equity holders 872     1,155  
    Profit attributable to non-controlling interests 9     4  
    Profit after tax 881     1,159  
               
     
    CONDENSED CONSOLIDATED BALANCE SHEET (UNAUDITED)
               
      At 31 Mar
    2025
    £m    		     At 31 Dec
    2024
    £m    		  
               
    Assets          
    Cash and balances at central banks 42,000     42,396  
    Financial assets at fair value through profit or loss 3,054     2,321  
    Derivative financial instruments 3,715     4,235  
    Financial assets at amortised cost 508,032     504,897  
    Financial assets at fair value through other comprehensive income 30,682     30,344  
    Other assets 28,873     27,020  
    Total assets 616,356     611,213  
    Liabilities          
    Deposits from banks 3,899     3,144  
    Customer deposits 456,574     451,794  
    Repurchase agreements 38,474     37,760  
    Due to fellow Lloyds Banking Group undertakings 3,981     4,049  
    Financial liabilities at fair value through profit or loss 4,538     4,630  
    Derivative financial instruments 5,327     5,787  
    Debt securities in issue at amortised cost 42,492     45,281  
    Other liabilities 12,844     11,810  
    Subordinated liabilities 6,567     7,211  
    Total liabilities 574,696     571,466  
    Total equity 41,660     39,747  
    Total equity and liabilities 616,356     611,213  
               

    ADDITIONAL FINANCIAL INFORMATION

    1.  Basis of presentation

    This release covers the results of Lloyds Bank plc together with its subsidiaries (the Group) for the three months ended 31 March 2025.

    The Group’s Q1 2025 Interim Pillar 3 Disclosures can be found at: www.lloydsbankinggroup.com/investors/financial-downloads.html.

    Accounting policies

    The accounting policies are consistent with those applied by the Group in its 2024 Annual Report and Accounts.

    2.  Loans and advances to customers and expected credit loss allowance

    At 31 March 2025 Stage 1
    £m    		     Stage 2
    £m    		   Stage 3
    £m    		   POCI
    £m    		   Total
    £m    		     Stage 2
    as % of
    total    		   Stage 3
    as % of
    total
    Loans and advances to customers                          
    UK mortgages 275,816     31,912   4,137   6,016   317,881     10.0   1.3
    Credit cards 13,875     2,327   261   –   16,463     14.1   1.6
    UK unsecured loans and overdrafts 9,660     1,325   171   –   11,156     11.9   1.5
    UK Motor Finance 14,197     2,491   131   –   16,819     14.8   0.8
    Other 18,462     471   151   –   19,084     2.5   0.8
    Retail 332,010     38,526   4,851   6,016   381,403     10.1   1.3
    Business and Commercial Banking 25,778     2,946   1,160   –   29,884     9.9   3.9
    Corporate and Institutional Banking 36,705     2,528   1,007   –   40,240     6.3   2.5
    Commercial Banking 62,483     5,474   2,167   –   70,124     7.8   3.1
    Other1 (414 )   –   –   –   (414 )        
    Total gross lending 394,079     44,000   7,018   6,016   451,113     9.8   1.6
                               
    Customer related ECL allowance (drawn and undrawn)
    UK mortgages 52     245   322   179   798          
    Credit cards 199     308   130   –   637          
    UK unsecured loans and overdrafts 167     240   114   –   521          
    UK Motor Finance2 170     118   75   –   363          
    Other 14     14   38   –   66          
    Retail 602     925   679   179   2,385          
    Business and Commercial Banking 133     183   172   –   488          
    Corporate and Institutional Banking 108     149   323   –   580          
    Commercial Banking 241     332   495   –   1,068          
    Other3 50     50   –   –   100          
    Total 893     1,307   1,174   179   3,553          
                               
    Customer related ECL allowance (drawn and undrawn) as a percentage of loans and advances to customers
      Stage 1
    %    		     Stage 2
    %    		   Stage 3
    %    		   POCI
    %    		   Total
    %    		          
    UK mortgages –     0.8   7.8   3.0   0.3          
    Credit cards 1.4     13.2   49.8   –   3.9          
    UK unsecured loans and overdrafts 1.7     18.1   66.7   –   4.7          
    UK Motor Finance 1.2     4.7   57.3   –   2.2          
    Other 0.1     3.0   25.2   –   0.3          
    Retail 0.2     2.4   14.0   3.0   0.6          
    Business and Commercial Banking 0.5     6.2   14.8   –   1.6          
    Corporate and Institutional Banking 0.3     5.9   32.1   –   1.4          
    Commercial Banking 0.4     6.1   22.8   –   1.5          
    Other         –   –            
    Total 0.2     3.0   16.7   3.0   0.8          
                                   

    1 Contains central fair value hedge accounting adjustments.
    2 UK Motor Finance includes £178 million relating to provisions against residual values of vehicles subject to finance leases.
    3 Other includes a £100 million central adjustment that has not been allocated to specific portfolios.

    ADDITIONAL FINANCIAL INFORMATION (continued)

    3.  UK economic assumptions

    Base case and MES economic assumptions

    The Group’s base case scenario is for a slow expansion in gross domestic product (GDP) and a modest rise in the unemployment rate alongside small gains in residential and commercial property prices. Inflationary pressures remain persistent, but gradual cuts in UK Bank Rate are expected to continue during 2025. Risks around this base case economic view lie in both directions and are largely captured by the generation of alternative economic scenarios.

    The Group has taken into account the latest available information at the reporting date in defining its base case scenario and generating alternative economic scenarios. The scenarios include forecasts for key variables as of the first quarter of 2025. Actuals for this period, or restatements of past data, may have since emerged prior to publication and have not been included. The Group’s approach to generating alternative economic scenarios is set out in detail in note 19 to the financial statements of the Group’s 2024 annual report and accounts.

    The Group had included assumptions for expected tariffs and potential responses in its quarter-end base case conditioning assumptions prior to announcements at the start of April. Initial non-UK tariffs announced in the first few days of April and the immediate market response were larger than expected. Accordingly, the Group has adopted a £100 million central adjustment to reflect the potential ECL impact, informed by high level sensitivity to key UK economic metrics based on tariff scenarios. Subsequent developments through April were judged to relate to conditions after the balance sheet date and will be reflected in the second quarter reporting period.

    UK economic assumptions – base case scenario by quarter

    Key quarterly assumptions made by the Group in the base case scenario are shown below. GDP growth is presented quarter-on-quarter. House price growth, commercial real estate price growth and CPI inflation are presented year-on-year, i.e. from the equivalent quarter in the previous year. Unemployment rate and UK Bank Rate are presented as at the end of each quarter.

    At 31 March 2025 First
    quarter
    2025
    %    		 Second
    quarter
    2025
    %    		 Third
    quarter
    2025
    %    		 Fourth
    quarter
    2025
    %    		 First
    quarter
    2026
    %    		 Second
    quarter
    2026
    %    		 Third
    quarter
    2026
    %    		 Fourth
    quarter
    2026
    %
                     
    Gross domestic product growth 0.2 0.2 0.3 0.3 0.4 0.4 0.4 0.4
    Unemployment rate 4.6 4.7 4.8 4.8 4.8 4.8 4.8 4.8
    House price growth 3.8 3.8 2.4 1.7 1.3 1.7 1.9 1.8
    Commercial real estate price growth 2.6 2.8 2.7 1.3 0.9 0.7 0.8 1.1
    UK Bank Rate 4.50 4.25 4.00 4.00 3.75 3.75 3.50 3.50
    CPI inflation 2.8 3.6 3.6 3.5 3.0 2.8 2.6 2.7
                     

    ADDITIONAL FINANCIAL INFORMATION (continued)

    3.  UK economic assumptions (continued)

    UK economic assumptions – scenarios by year

    Key annual assumptions made by the Group are shown below. GDP growth and CPI inflation are presented as an annual change, house price growth and commercial real estate price growth are presented as the growth in the respective indices within the period. Unemployment rate and UK Bank Rate are averages for the period.

    At 31 March 2025 2025
    %    		   2026
    %    		   2027
    %    		   2028
    %    		   2029
    %    		   2025-2029
    average
    %    		  
                 
    Upside            
    Gross domestic product growth 1.3   2.2   1.6   1.5   1.4   1.6  
    Unemployment rate 4.1   3.2   3.1   3.1   3.2   3.3  
    House price growth 2.9   5.9   6.8   5.4   4.3   5.1  
    Commercial real estate price growth 6.1   5.7   2.6   1.0   0.4   3.2  
    UK Bank Rate 4.43   4.72   4.86   5.06   5.20   4.85  
    CPI inflation 3.3   2.8   2.8   3.1   3.0   3.0  
                 
    Base case            
    Gross domestic product growth 0.8   1.4   1.6   1.6   1.5   1.3  
    Unemployment rate 4.7   4.8   4.6   4.5   4.5   4.6  
    House price growth 1.7   1.8   1.9   2.5   2.9   2.1  
    Commercial real estate price growth 1.3   1.1   1.2   0.6   0.3   0.9  
    UK Bank Rate 4.19   3.63   3.50   3.50   3.50   3.66  
    CPI inflation 3.4   2.8   2.5   2.5   2.4   2.7  
                 
    Downside            
    Gross domestic product growth (0.2 ) (0.9 ) 0.9   1.5   1.5   0.6  
    Unemployment rate 5.6   7.4   7.6   7.3   7.0   7.0  
    House price growth 0.5   (3.4 ) (6.7 ) (4.2 ) (1.1 ) (3.0 )
    Commercial real estate price growth (4.7 ) (5.7 ) (1.7 ) (2.2 ) (2.3 ) (3.4 )
    UK Bank Rate 3.83   1.67   0.96   0.65   0.42   1.51  
    CPI inflation 3.4   2.8   2.0   1.5   1.0   2.1  
                 
    Severe downside            
    Gross domestic product growth (1.1 ) (2.3 ) 0.7   1.4   1.5   0.0  
    Unemployment rate 6.8   10.0   10.2   9.7   9.3   9.2  
    House price growth (0.6 ) (8.4 ) (13.8 ) (9.6 ) (5.0 ) (7.6 )
    Commercial real estate price growth (12.5 ) (13.3 ) (7.1 ) (5.7 ) (4.9 ) (8.8 )
    UK Bank Rate – modelled 3.38   0.39   0.09   0.03   0.01   0.78  
    UK Bank Rate – adjusted1 4.25   2.94   2.80   2.76   2.75   3.10  
    CPI inflation – modelled 3.4   2.5   1.3   0.4   (0.2 ) 1.5  
    CPI inflation – adjusted1 3.8   3.8   3.2   2.7   2.4   3.2  
                 
    Probability-weighted            
    Gross domestic product growth 0.5   0.6   1.3   1.5   1.5   1.1  
    Unemployment rate 5.0   5.6   5.6   5.4   5.4   5.4  
    House price growth 1.4   0.5   (0.8 ) 0.1   1.3   0.5  
    Commercial real estate price growth (0.4 ) (1.0 ) (0.1 ) (0.7 ) (1.0 ) (0.6 )
    UK Bank Rate – modelled 4.07   3.04   2.81   2.76   2.74   3.08  
    UK Bank Rate – adjusted1 4.16   3.30   3.08   3.04   3.01   3.32  
    CPI inflation – modelled 3.4   2.7   2.3   2.1   1.9   2.5  
    CPI inflation – adjusted1 3.4   2.9   2.5   2.4   2.2   2.7  
                             
    1 The adjustment to UK Bank Rate and CPI inflation in the severe downside is considered to better reflect the risks to the Group’s base case view in an economic environment where the risks of supply and demand shocks are seen as more balanced.
                             

    CONTACTS

    For further information please contact:

    INVESTORS AND ANALYSTS
    Douglas Radcliffe
    Group Investor Relations Director
    020 7356 1571
    douglas.radcliffe@lloydsbanking.com

    Rohith Chandra-Rajan
    Director of Investor Relations
    07786 988936
    rohith.chandra-rajan@lloydsbanking.com

    Nora Thoden
    Director of Investor Relations – ESG
    020 7356 2334
    nora.thoden@lloydsbanking.com

    Tom Grantham
    Investor Relations Senior Manager
    07851 440 091
    thomas.grantham@lloydsbanking.com

    Sarah Robson
    Investor Relations Senior Manager
    07494 513 983
    sarah.robson2@lloydsbanking.com

    CORPORATE AFFAIRS
    Matt Smith
    Head of Media Relations
    07788 352 487
    matt.smith@lloydsbanking.com

    Emma Fairhurst
    Media Relations Senior Manager
    07814 395 855
    emma.fairhurst@lloydsbanking.com

    Copies of this Interim Management Statement may be obtained from:
    Investor Relations, Lloyds Banking Group plc, 33 Old Broad Street, London, EC2N 1HZ
    The statement can also be found on the Group’s website – www.lloydsbankinggroup.com

    Registered office: Lloyds Bank plc, 25 Gresham Street, London, EC2V 7HN
    Registered in England No. 2065

    This information is provided by RNS, the news service of the London Stock Exchange. RNS is approved by the Financial Conduct Authority to act as a Primary Information Provider in the United Kingdom. Terms and conditions relating to the use and distribution of this information may apply. For further information, please contact rns@lseg.com or visit www.rns.com.

    The MIL Network –

  • MIL-OSI: Jackery Launches Homepower 3000: the Smartest Choice for Essential Home Backup Power

    Source: GlobeNewswire (MIL-OSI)

    FREEMONT, Calif., May 01, 2025 (GLOBE NEWSWIRE) — Jackery, a global leader in innovative solar generators and green off-grid energy solutions, has unveiled the Jackery Solar Generator HomePower 3000, the newest addition to its best-selling 3kWh solar generator range. Designed specifically for essential home backup needs, the HomePower 3000 offers a simplified, high-performance power solution built to handle extreme conditions with ease. Marking a shift in branding from the “Explorer” series to the new “HomePower” line, this release underscores Jackery’s focus on practical, dependable energy solutions for the modern home.

    With a powerful 3072Wh battery capacity and 3,600W output (7200W Surge), the Jackery HomePower 3000 is engineered to keep essential household appliances and tools running during blackouts, emergencies, or everyday off-grid use. Capable of supporting high-demand appliances up to 7,200W surge power – including refrigerators, air conditioners, water pumps, wifi, lights and coffee machines, even capable of powering multiple essential home appliances at the same time. With the U.S. Energy Information Administration’s recent Annual Electric Power Industry Report, noting the average length of a power outage in the U.S. is five to six hours long, consumers can rest assured that the HomePower 3000 has the capability to power their refrigerator for up to two days. Delivering reliable power when it’s needed most, the system can keep a household running for up to 15 hours, supporting essential devices like a refrigerator (≤200W), fan (30W), lighting (60W), and Wi-Fi router (7W); all operating simultaneously*.

    The Jackery HomePower 3000 not only delivers powerful performance but also ensures effortless ease of use as Jackery has become known for. Designed by Jackery in the U.S., and utilizing real customer feedback from more than 10 years industry experience, the HomePower 3000 offers a plug-and-play operation and an intelligent display, making device control a breeze for the whole family, and a wide variety of ages.

    The HomePower 3000 is also built for extreme durability. Capable of performing in temperatures ranging from -40°F to 185°F, it is housed in a rugged design ideal for both home use and off-grid projects. Plus, with its UL certified uninterruptible power supply (UPS) functionality, it kicks in automatically within 20 milliseconds of detecting power loss, ensuring critical devices stay operational without a hitch.

    As the world’s lightest and most compact 3kWh LiFePO₄ power station — officially certified by Frost & Sullivan — the Jackery HomePower 3000 sets a new standard in portable home energy. It’s 47 percent smaller and 43 percent lighter than mainstream products of the same capacity, thanks to breakthrough automotive-grade CTB (Cell to Body) technology, which boosts space efficiency by 14percent. A rugged honeycomb bottom shell design further enhances durability and safety, all within a unit no larger than a standard microwave.

    Beyond its compact form, the HomePower 3000 delivers serious performance: it can be recharged in as fast as 1.7 hours and supports multiple charging options; including AC, AC+DC, solar, and even gas generator, ensuring users stay powered in any situation. The Jackery App enables smart features like scheduled and off-peak charging, as well as prioritized solar charging, helping users save up to 25 percent annually on electricity bills. And thanks to proprietary ZeroDrain™ technology, when stored at full capacity, the unit retains 95 percent of its power even after a full year, ready whenever it’s needed.

    The HomePower 3000 can generate up to 3,500 kWh of free energy over 5 years with its two Jackery SolarSaga 200W bifacial solar panels. Slim yet durable, designed to endure 4,000 folds, and easy to carry, these panels deliver superior performance with industry-leading IBC technology and TÜV Class II certification.

    “The HomePower 3000 delivers a robust combination of reliability and versatility – anytime, anywhere,” said Jack Sun, CEO of Jackery. “With increasingly unpredictable weather patterns affecting communities nationwide, the HomePower 3000 represents Jackery’s commitment to providing consumers with dependable power security that works both during emergencies and everyday life. This isn’t just another generator – it’s peace of mind in an uncertain world.”

    Whether you’re preparing for hurricane season, powering essential appliances during power outages due to unpredictable emergencies, or simply looking to reduce your dependence on the grid, the Jackery Solar Generator HomePower 3000 offers peace of mind through advanced engineering and performance that’s ready for anything. Trusted by over 120,000 five-star reviewers and with 90% favorable ratings in the U.S., Jackery delivers reliability that customers consistently count on.

    The HomePower 3000 retails for $2,299 and is currently available for purchase online at Jackery’s website. Jackery will also offer a specially priced solar generator bundle that includes the HomePower 3000 with two 200W Solar Panels between May 2-14, available for $1,999.

    For more information on Jackery, the HomePower 3000 and other products, please visit www.jackery.com. Be sure to follow Jackery on social media at @JackeryUSA for the latest updates in real time.

    *Tested under Jackery Lab conditions.

    ABOUT JACKERY
    Founded in California in 2012, Jackery is a leader in innovative solar generators and renewable energy solutions. Offering a diverse range of products—from compact 100W units to essential home backup systems, all the way to robust 123kWh energy storage solutions for whole-home use—Jackery combines cutting-edge technology with a steadfast commitment to sustainability. Designed in the USA based on customer usability and the diverse energy needs of the United States, Jackery is dedicated to providing reliable, renewable energy solutions, prioritizing convenience, trust, energy independence, and environmentally responsible practices. With over 150,000 five-star reviews, Jackery has earned the trust of customers worldwide. To learn more, check out Jackery on Facebook, Instagram, X, YouTube, and LinkedIn.

    MEDIA CONTACT
    ICR
    jackery@icrinc.com

    A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/8e9dabad-6f51-4d34-81e4-e6f5bb5aa15c

    The MIL Network –