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Opinion: Setting the record straight on mortgage pricing

Recently, the director of the Federal Housing Finance Agency (FHFA) issued a statement clarifying the agency's rationale for changes to loan level pricing adjustment (LLPA) fees going into effect on May 1.The changes have created some controversy due to the fact that better credit quality borrowers will experience higher fees after May 1 than under the current LLPA grids and vice versa for lower credit quality borrowers.
from www.independent.co.uk
1 year ago

Braverman appears to rule out safe and legal routes for refugees from Sudan

Suella Braverman has appeared to rule out introducing safe and legal routes to the UK for refugees trying to escape the conflict in Sudan.The Home Secretary confirmed on Tuesday the Government has no plans to consider making provisions for civilians from the war-torn country to access Britain.During a visit to Northamptonshire, Ms Braverman was asked about the prospect of turning efforts towards helping those trying to flee Khartoum once the evacuation of British nationals has been completed.
from Washington Post
1 year ago

Analysis | Cathie Wood May Be Right About Jay Powell Being Wrong

In the community of professional money managers, no one is more vilified than Cathie Wood, who runs the $6.81 billion ARK Innovation ETF, which focuses on the technology sector.Her detractors criticize Wood for making big calls - the price of Bitcoin will reach $1 million by 2030, and by then autonomous vehicle sales will bring in  around $10 trillion, for example - without the research to back them up.

Opinion: Setting the record straight on mortgage pricing

Recently, the director of the Federal Housing Finance Agency (FHFA) issued a statement clarifying the agency's rationale for changes to loan level pricing adjustment (LLPA) fees going into effect on May 1.The changes have created some controversy due to the fact that better credit quality borrowers will experience higher fees after May 1 than under the current LLPA grids and vice versa for lower credit quality borrowers.

Braverman appears to rule out safe and legal routes for refugees from Sudan

Suella Braverman has appeared to rule out introducing safe and legal routes to the UK for refugees trying to escape the conflict in Sudan.The Home Secretary confirmed on Tuesday the Government has no plans to consider making provisions for civilians from the war-torn country to access Britain.During a visit to Northamptonshire, Ms Braverman was asked about the prospect of turning efforts towards helping those trying to flee Khartoum once the evacuation of British nationals has been completed.

Analysis | Cathie Wood May Be Right About Jay Powell Being Wrong

In the community of professional money managers, no one is more vilified than Cathie Wood, who runs the $6.81 billion ARK Innovation ETF, which focuses on the technology sector.Her detractors criticize Wood for making big calls - the price of Bitcoin will reach $1 million by 2030, and by then autonomous vehicle sales will bring in  around $10 trillion, for example - without the research to back them up.
morenecessarily
#people
from www.independent.co.uk
1 year ago
UK news

Just two thirds of British public have confidence in police, global study shows

The UK ranks among the bottom half of countries for confidence in the police while confidence in Parliament has halved in recent decades, according to a global survey.Just two thirds (67%) of the British public who were polled said they had a great deal or quite a lot of confidence in policing, down from 87% in 1981.

Public urged not to eat semi-soft Baronet cheeses after listeria outbreak death

One person in the UK has died in a listeria outbreak and consumers have been warned to avoid Baronet semi-soft cheeses that have been recalled because they are contaminated with the bacteria.The Food Standards Agency (FSA) and UK Health Security Agency (UKHSA) issued the warning on Friday after exceptionally high levels of listeria were found in some of the cheeses.

Questions over future of Met as Commissioner and Casey due before committees

Metropolitan Police Commissioner Sir Mark Rowley and Baroness Louise Casey will be scrutinised by MPs and City Hall on Wednesday as the fallout continues from her damning report into the force.A review commissioned in the wake of Sarah Everard's murder and published on Tuesday found that Britain's biggest police force is institutionally racist, misogynist and homophobic and there may be more officers like killer Wayne Couzens and serial rapist David Carrick.

Is Wine Gluten-Free? The Answer May Not Be So Simple

Adhering to a strict gluten-free diet can be stressful and time-consuming.Whether driven by celiac disease or non-celiac gluten sensitivity, the ability to read labels is an indispensable skill.But although most food products are required to include detailed nutritional and ingredient information on their labels, many alcoholic beverages are a different story.

Metropolitan Police: What are the key findings of the Casey review?

Baroness Louise Casey's review, commissioned in the wake of Sarah Everard's murder, has laid bare in more than 300 pages a series of grave concerns about the Metropolitan Police's culture and standards.Describing her findings as rigorous, stark and unsparing, she said she hopes they will lead to fundamental change in the force.

Report finds London's Met Police racist, misogynist, homophobic'

Independent review was commissioned after a young woman was raped and killed by a serving officer.Britain's biggest police force is institutionally racist, misogynist and homophobic, according to an independent review commissioned after a young woman was raped and killed by a serving officer.The Metropolitan Police Service, which has more than 34,000 officers, must change itself or risk being broken up, the report published on Tuesday said.

Just two thirds of British public have confidence in police, global study shows

The UK ranks among the bottom half of countries for confidence in the police while confidence in Parliament has halved in recent decades, according to a global survey.Just two thirds (67%) of the British public who were polled said they had a great deal or quite a lot of confidence in policing, down from 87% in 1981.

Public urged not to eat semi-soft Baronet cheeses after listeria outbreak death

One person in the UK has died in a listeria outbreak and consumers have been warned to avoid Baronet semi-soft cheeses that have been recalled because they are contaminated with the bacteria.The Food Standards Agency (FSA) and UK Health Security Agency (UKHSA) issued the warning on Friday after exceptionally high levels of listeria were found in some of the cheeses.

Questions over future of Met as Commissioner and Casey due before committees

Metropolitan Police Commissioner Sir Mark Rowley and Baroness Louise Casey will be scrutinised by MPs and City Hall on Wednesday as the fallout continues from her damning report into the force.A review commissioned in the wake of Sarah Everard's murder and published on Tuesday found that Britain's biggest police force is institutionally racist, misogynist and homophobic and there may be more officers like killer Wayne Couzens and serial rapist David Carrick.

Is Wine Gluten-Free? The Answer May Not Be So Simple

Adhering to a strict gluten-free diet can be stressful and time-consuming.Whether driven by celiac disease or non-celiac gluten sensitivity, the ability to read labels is an indispensable skill.But although most food products are required to include detailed nutritional and ingredient information on their labels, many alcoholic beverages are a different story.

Metropolitan Police: What are the key findings of the Casey review?

Baroness Louise Casey's review, commissioned in the wake of Sarah Everard's murder, has laid bare in more than 300 pages a series of grave concerns about the Metropolitan Police's culture and standards.Describing her findings as rigorous, stark and unsparing, she said she hopes they will lead to fundamental change in the force.

Report finds London's Met Police racist, misogynist, homophobic'

Independent review was commissioned after a young woman was raped and killed by a serving officer.Britain's biggest police force is institutionally racist, misogynist and homophobic, according to an independent review commissioned after a young woman was raped and killed by a serving officer.The Metropolitan Police Service, which has more than 34,000 officers, must change itself or risk being broken up, the report published on Tuesday said.
morepeople

The US government is gearing up for an AI antitrust fight

The US Federal Trade Commission and the Department of Justice's antitrust division say they'll scrutinize the new field of artificial intelligence-powered tools for signs of anti-competitive behavior.FTC Chair Lina Khan and Justice Department antitrust head Jonathan Kanter made remarks about the issue at the agencies' joint Enforcers Summit, raising the fear of large companies leveraging AI's economies of scale to crush competition.
#years

Opinion: Americans' health is a big reason for high COVID-19 death rate

For the past three years, the COVID-19 pandemic has demonstrated, and will continue to demonstrate in the future, that America is one of the unhealthiest countries in the industrialized world.Critics on the right and left harp on how the pandemic was handled, but in fact the dismal outcomes in the U.S. do not reflect management of the crisis so much as our underlying health as a country.

A Pentagon Study Finds Higher Cancer Rates in Military Pilots and Ground Crews

WASHINGTON A Pentagon study has found high rates of cancer among military pilots and for the first time has shown that ground crews who fuel, maintain and launch those aircraft are also getting sick.The data had long been sought by retired military aviators who have raised alarms for years about the number of air and ground crew members they knew who had cancer.

Pentagon study finds higher cancer rates in military pilots, ground crews

WASHINGTON A Pentagon study has found high rates of cancer among military pilots and for the first time has shown that ground crews who fuel, maintain and launch those aircraft are also getting sick.The data had long been sought by retired military aviators who have raised alarms for years about the number of air and ground crew members they knew who had cancer.

Higher rates of cancer in military pilots and ground crew, Pentagon study finds

A Pentagon study has found high rates of cancer among military pilots and the ground crews who fuel, maintain and launch their aircraft.he data had long been sought by retired military aviators who have raised alarms for years about the number of air and ground crew members they knew who had cancer.

Diabetes and obesity are on the rise in young adults, a study says

Obesity in young adult Americans rose from 33% to 41% over the timeframe of the study.M. Spencer Green/AP Diabetes and obesity two risk factors for heart disease are on the rise among young adults in the U.S., according to a newly published study of about 13,000 people ages 20 to 44 years old.The prevalence of diabetes climbed from 3% to 4.1%; obesity shot up from 32.7% to 40.9%, based on the study, published in the Journal of the American Medical Association on Sunday, which uses data from 2009 to 2020.

Women and patients on more medicines at higher risk of adverse drug reaction'

Women and patients on a higher number of medicines are at greater risk of having an adverse drug reaction, a new study of older people has suggested.One in four experienced at least one adverse drug reaction (ADR) over the six-year period looked at by researchers in Cork.Patients prescribed 10 or more medicines had a threefold increased risk of experiencing a reaction, scientists said.

Opinion: Americans' health is a big reason for high COVID-19 death rate

For the past three years, the COVID-19 pandemic has demonstrated, and will continue to demonstrate in the future, that America is one of the unhealthiest countries in the industrialized world.Critics on the right and left harp on how the pandemic was handled, but in fact the dismal outcomes in the U.S. do not reflect management of the crisis so much as our underlying health as a country.

A Pentagon Study Finds Higher Cancer Rates in Military Pilots and Ground Crews

WASHINGTON A Pentagon study has found high rates of cancer among military pilots and for the first time has shown that ground crews who fuel, maintain and launch those aircraft are also getting sick.The data had long been sought by retired military aviators who have raised alarms for years about the number of air and ground crew members they knew who had cancer.

Pentagon study finds higher cancer rates in military pilots, ground crews

WASHINGTON A Pentagon study has found high rates of cancer among military pilots and for the first time has shown that ground crews who fuel, maintain and launch those aircraft are also getting sick.The data had long been sought by retired military aviators who have raised alarms for years about the number of air and ground crew members they knew who had cancer.

Higher rates of cancer in military pilots and ground crew, Pentagon study finds

A Pentagon study has found high rates of cancer among military pilots and the ground crews who fuel, maintain and launch their aircraft.he data had long been sought by retired military aviators who have raised alarms for years about the number of air and ground crew members they knew who had cancer.

Diabetes and obesity are on the rise in young adults, a study says

Obesity in young adult Americans rose from 33% to 41% over the timeframe of the study.M. Spencer Green/AP Diabetes and obesity two risk factors for heart disease are on the rise among young adults in the U.S., according to a newly published study of about 13,000 people ages 20 to 44 years old.The prevalence of diabetes climbed from 3% to 4.1%; obesity shot up from 32.7% to 40.9%, based on the study, published in the Journal of the American Medical Association on Sunday, which uses data from 2009 to 2020.

Women and patients on more medicines at higher risk of adverse drug reaction'

Women and patients on a higher number of medicines are at greater risk of having an adverse drug reaction, a new study of older people has suggested.One in four experienced at least one adverse drug reaction (ADR) over the six-year period looked at by researchers in Cork.Patients prescribed 10 or more medicines had a threefold increased risk of experiencing a reaction, scientists said.
moreyears
#back

Britain defends supplying Ukraine with weapons containing depleted uranium.

Britain on Wednesday defended its decision to supply Ukraine with weapons made with depleted uranium, a day after President Vladimir V. Putin of Russia falsely claimed the material had a nuclear component.Britain's government has confirmed that it would provide Ukraine with armor-piercing shells that contain depleted uranium, alongside its Challenger 2 tanks, which use them.

There is not another Wayne Couzens or David Carrick in Met, police chief says

The chairman of the Metropolitan Police Federation said he does not believe there is another Wayne Couzens or David Carrick in the force, despite Baroness Louise Casey's damning review.Ken Marsh hit back after Baroness Casey's report accused the Met Police of being institutionally racist, misogynist and homophobic.

12 Common Deadlift Mistakes and How to Fix Them - Breaking Muscle

Simple tricks to pull stronger and more safely.To be blunt, deadlifting is awesome.Once you get hooked, you are hooked for life.It is arguably the best test of full-body strength, and the deadlift will never lie to you.You can either grip it and rip it from the floor... or not.Getting better and stronger at the deadlift is a lifelong pursuit for many lifters who dive down the rabbit hole trying to lift more weight.

How to Manage Catastrophic Thinking

When something really bad happens to you, how do you think about your future?Catastrophizers think, Everything will now unravel, and my life will be ruined.This mindset turns out to be an enormous impediment to happiness and, even worse, it is a major risk factor for posttraumatic stress disorder (PTSD).

Better to raise rates too much than too little, Bank of Canada governor says | CBC News

Bank of Canada Governor Tiff Macklem says the bank's rate hikes this year will eventually succeed in lowering inflation.(Adrian Wyld/The Canadian Press) Bank of Canada Governor Tiff Macklem said Monday the risk of not rising rates enough and having inflation run wild is greater than the risk of raising them too much and fuelling a recession.

Baby Bouncers and Swings Are Only Dangerous When You Use Them Wrong

Baby bouncers and newborn baby swings are free-standing, elevated seats that let an infant sit at a semi-reclined angle.They're basically baby pedestals that make it easier for adults and siblings to interact with the baby.They can have a calming effect too, soothing a fussy baby, or even putting them to sleep.

Britain defends supplying Ukraine with weapons containing depleted uranium.

Britain on Wednesday defended its decision to supply Ukraine with weapons made with depleted uranium, a day after President Vladimir V. Putin of Russia falsely claimed the material had a nuclear component.Britain's government has confirmed that it would provide Ukraine with armor-piercing shells that contain depleted uranium, alongside its Challenger 2 tanks, which use them.

There is not another Wayne Couzens or David Carrick in Met, police chief says

The chairman of the Metropolitan Police Federation said he does not believe there is another Wayne Couzens or David Carrick in the force, despite Baroness Louise Casey's damning review.Ken Marsh hit back after Baroness Casey's report accused the Met Police of being institutionally racist, misogynist and homophobic.

12 Common Deadlift Mistakes and How to Fix Them - Breaking Muscle

Simple tricks to pull stronger and more safely.To be blunt, deadlifting is awesome.Once you get hooked, you are hooked for life.It is arguably the best test of full-body strength, and the deadlift will never lie to you.You can either grip it and rip it from the floor... or not.Getting better and stronger at the deadlift is a lifelong pursuit for many lifters who dive down the rabbit hole trying to lift more weight.

How to Manage Catastrophic Thinking

When something really bad happens to you, how do you think about your future?Catastrophizers think, Everything will now unravel, and my life will be ruined.This mindset turns out to be an enormous impediment to happiness and, even worse, it is a major risk factor for posttraumatic stress disorder (PTSD).

Better to raise rates too much than too little, Bank of Canada governor says | CBC News

Bank of Canada Governor Tiff Macklem says the bank's rate hikes this year will eventually succeed in lowering inflation.(Adrian Wyld/The Canadian Press) Bank of Canada Governor Tiff Macklem said Monday the risk of not rising rates enough and having inflation run wild is greater than the risk of raising them too much and fuelling a recession.

Baby Bouncers and Swings Are Only Dangerous When You Use Them Wrong

Baby bouncers and newborn baby swings are free-standing, elevated seats that let an infant sit at a semi-reclined angle.They're basically baby pedestals that make it easier for adults and siblings to interact with the baby.They can have a calming effect too, soothing a fussy baby, or even putting them to sleep.
moreback
#older-people

Footballers at higher risk of dementia DW 03/17/2023

23 minutes ago23 minutes ago Players had an increased risk of Alzheimer's disease and other types of dementia.But goalkeepers were saved from the neurological disorders, the research suggests.Elite footballers are more likely to develop dementia than the rest of the population, a new study suggested on Friday.

We need better crash test dummies, says Government Accountability Office

Women and older people are being failed by our crash test dummies, according to the US Government Accountability Office.The GAO has just published a new report on the topic and is concerned that the National Highway Traffic Safety Administration has not done enough to fill knowledge or research gaps that would make our vehicles safer for those more-vulnerable classes of occupants.

Footballers at higher risk of dementia DW 03/17/2023

23 minutes ago23 minutes ago Players had an increased risk of Alzheimer's disease and other types of dementia.But goalkeepers were saved from the neurological disorders, the research suggests.Elite footballers are more likely to develop dementia than the rest of the population, a new study suggested on Friday.

We need better crash test dummies, says Government Accountability Office

Women and older people are being failed by our crash test dummies, according to the US Government Accountability Office.The GAO has just published a new report on the topic and is concerned that the National Highway Traffic Safety Administration has not done enough to fill knowledge or research gaps that would make our vehicles safer for those more-vulnerable classes of occupants.
moreolder-people

London teens may be experiencing high blood pressure due to air pollution, study says

A higher level of particulate pollution is linked to elevated blood pressure among teens living in London, according to a new study.The research, published on Wednesday in the journal PLOS One, also found this association to be stronger for girls than boys.While studies have shown that air pollution exposure is linked to a greater risk of heart and lung disease, hospital visits and death, most research assessing particulate matter's impact on blood pressure has focused on adults, explained scientists from King's College.

Man taken to hospital after restaurant fire in Croydon

Man taken to hospital after restaurant fire in Croydon (Image: LFB) A man has been taken to hospital after suffering from smoke inhalation following a restaurant fire in Croydon.Firefighters were called to a restaurant fire on South End yesterday (February 28) at 9.14pm.Part of the extraction system in the kitchen was damaged and a two-storey outbuilding was damaged by the fire.
#northern-ireland

UK weather: Met Office explains why UK will see snow and -15C temperatures this week

The Met Office has warned UK residents to brace themselves for snow and plunging temperatures this week.Forecasters have explained that a major change in climate is underway, as Arctic air moves in from the north, bringing snow, ice and freezing temperatures for many.Experts believe the sudden drop in temperature is being caused by sudden stratospheric warming and could bring about similar freezing conditions to the Beast from the East in 2018.

UK braces for snow and big freeze as temperatures drop to minus 3C

Ice and a centimetre of snow were predicted in northeast England on Thursday night, with temperatures dropping to as low as minus 3C in some towns and even lower in rural areas.As freezing temperatures continue to grip the UK, travellers and anyone whose health is vulnerable were warned of disruption from snow showers and ice.

UK braces for snow and big freeze as temperatures drop to minus 3C

Ice and a centimetre of snow are predicted in northeast England on Thursday night, with temperatures dropping to as low as minus 3C in some towns and even lower in rural areas.As freezing temperatures continue to grip the UK, travellers and anyone whose health is vulnerable were warned of disruption from snow showers and ice.

UK weather: Met Office explains why UK will see snow and -15C temperatures this week

The Met Office has warned UK residents to brace themselves for snow and plunging temperatures this week.Forecasters have explained that a major change in climate is underway, as Arctic air moves in from the north, bringing snow, ice and freezing temperatures for many.Experts believe the sudden drop in temperature is being caused by sudden stratospheric warming and could bring about similar freezing conditions to the Beast from the East in 2018.

UK braces for snow and big freeze as temperatures drop to minus 3C

Ice and a centimetre of snow were predicted in northeast England on Thursday night, with temperatures dropping to as low as minus 3C in some towns and even lower in rural areas.As freezing temperatures continue to grip the UK, travellers and anyone whose health is vulnerable were warned of disruption from snow showers and ice.

UK braces for snow and big freeze as temperatures drop to minus 3C

Ice and a centimetre of snow are predicted in northeast England on Thursday night, with temperatures dropping to as low as minus 3C in some towns and even lower in rural areas.As freezing temperatures continue to grip the UK, travellers and anyone whose health is vulnerable were warned of disruption from snow showers and ice.
morenorthern-ireland
#possibility

Tory minister considering surprise bid to run for London mayor in 2024

A Tory government minister is considering a surprise bid to become the party's mayoral candidate, the Standard can reveal.Paul Scully, the Minister for London, said he may allow his name to go forward if he thought he was the best-placed person to have a chance of defeating Labour mayor Sadiq Khan in May next year.

Temporary concussion substitute trials what's happened, why, and what next?

The game's lawmakers have rejected a temporary concussion substitute trial in the Premier League and two other competitions next season, a move which has been criticised by players' unions, leagues and campaigners.Here, the PA news agency looks at the key issues.What's the background to this? World players' union FIFPRO has been calling for a trial of temporary concussion substitutes for the best part of a decade.

Tory minister considering surprise bid to run for London mayor in 2024

A Tory government minister is considering a surprise bid to become the party's mayoral candidate, the Standard can reveal.Paul Scully, the Minister for London, said he may allow his name to go forward if he thought he was the best-placed person to have a chance of defeating Labour mayor Sadiq Khan in May next year.

Temporary concussion substitute trials what's happened, why, and what next?

The game's lawmakers have rejected a temporary concussion substitute trial in the Premier League and two other competitions next season, a move which has been criticised by players' unions, leagues and campaigners.Here, the PA news agency looks at the key issues.What's the background to this? World players' union FIFPRO has been calling for a trial of temporary concussion substitutes for the best part of a decade.
morepossibility
#researchers

Drinking energy drinks accelerates hair loss for men, study finds

Stress, poor diet, and underlying medical conditions are all known causes of hair loss, but a recent study has suggested energy drinks are too.A group of Chinese scientists have claimed men who chug cans of energy drinks, fizzy drinks, sports drinks, and even sweetened tea and coffee are at greater risk of suffering from hair loss.

How New York City's Trees and Shrubs Help Clear Its Air

Andrew Reinmann looked past the buildings on a recent afternoon in Harlem and focused instead on the trees.Along St. Nicholas Terrace, Dr. Reinmann noted rows of London planes and oaks embedded in cement.In a park dotted with river birches, he saw a savanna.New York is surprisingly verdant for a city inseparable from its glass-and-steel towers.

Drinking energy drinks accelerates hair loss for men, study finds

Stress, poor diet, and underlying medical conditions are all known causes of hair loss, but a recent study has suggested energy drinks are too.A group of Chinese scientists have claimed men who chug cans of energy drinks, fizzy drinks, sports drinks, and even sweetened tea and coffee are at greater risk of suffering from hair loss.

Does Your Toddler's Tantrum Point to a Bigger Problem? Here's How to Know.

Tantrums are inevitable.More a milestone than a worrisome sign, everyday tantrums help kids to negotiate and grapple with emotional and physical discomfort.They're part of an essential, if unpleasant, phase of life that can't be avoided.But severe, frequent tantrums can be a worrying sign of longer-term mental health issues.

Drinking energy drinks accelerates hair loss for men, study finds

Stress, poor diet, and underlying medical conditions are all known causes of hair loss, but a recent study has suggested energy drinks are too.A group of Chinese scientists have claimed men who chug cans of energy drinks, fizzy drinks, sports drinks, and even sweetened tea and coffee are at greater risk of suffering from hair loss.

How New York City's Trees and Shrubs Help Clear Its Air

Andrew Reinmann looked past the buildings on a recent afternoon in Harlem and focused instead on the trees.Along St. Nicholas Terrace, Dr. Reinmann noted rows of London planes and oaks embedded in cement.In a park dotted with river birches, he saw a savanna.New York is surprisingly verdant for a city inseparable from its glass-and-steel towers.

Drinking energy drinks accelerates hair loss for men, study finds

Stress, poor diet, and underlying medical conditions are all known causes of hair loss, but a recent study has suggested energy drinks are too.A group of Chinese scientists have claimed men who chug cans of energy drinks, fizzy drinks, sports drinks, and even sweetened tea and coffee are at greater risk of suffering from hair loss.

Does Your Toddler's Tantrum Point to a Bigger Problem? Here's How to Know.

Tantrums are inevitable.More a milestone than a worrisome sign, everyday tantrums help kids to negotiate and grapple with emotional and physical discomfort.They're part of an essential, if unpleasant, phase of life that can't be avoided.But severe, frequent tantrums can be a worrying sign of longer-term mental health issues.
moreresearchers

CIO Essential Guidance: CISO Security Threat landscape

Despite massive spend to protect enterprise digital assets, security breaches are still on the rise.The disconnect between the level of investment and the volume and impact of attacks is largely attributed to outdated approaches that favor perimeter protection and point solutions despite a digital supply chain that is more distributed than ever.
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