Paris, 27 November 2024 Capitalised terms used herein shall have the meaning specified for such terms in the Caisse Française de Financement Local base prospectus to the €75,000,000,000 Euro Medium Term Note Programme dated 8 July 2024 (the “ Base Prospectus ”). Caisse Française de Financement Local has decided to issue on 29 November 2024 – Euro 1,000,000,000 Fixed Rate Obligations Foncières due 29 November 2029. A Stabilisation Manager has been named in the applicable Final Terms. The Base Prospectus dated 8 July 2024 and the supplements to the Base Prospectus dated 13 September 2024 and 30 September 2024 approved by the Autorité des Marchés Financiers are available on the website of the Issuer (https://www.caissefrancaisedefinancementlocal.fr/), at the registered office of the Issuer: 112-114, avenue Emile Zola, 75015 Paris, France, and at the office of the Paying Agent indicated in the Base Prospectus. The Final Terms relating to the issue will be available on the website of the AMF ( www.amf-france.org ) and of the Luxembourg Stock Exchange (www.bourse.lu), at the office of the issuer and at the office of the paying agent. Attachment CAFFIL EMTN 2024-8_CommuniquéISLAMABAD: The federal government has categorically denied the allegations of indiscriminate firing by the Law Enforcement Agencies (LEAs) on Pakistan Tehreek-e-Insaf (PTI) workers during their protest at D-Chowk early this week. Responding to allegations of excessive use of force and indiscriminate firing during recent clashes, the government has termed the accusations “malicious and absolutely false.” In a statement issued by the office of Deputy Prime Minister (DPM), Ishaq Dar challenged the narrative, questioning, “Where are the graves and dead bodies?” The government claims that the protesting crowd came to Islamabad armed with heavy ammunition and tear gas canisters, intending to create chaos and incite violence in the pretext of protest. There will be effective prosecution of those involved in violence during PTI protest: Info minister According to the statement, law enforcers demonstrated “maximum restraint” despite suffering heavy casualties within their ranks. “Security forces exercised patience and professionalism in the face of violent attacks,” the statement said, adding that the protestors were prepared to kill and disrupt public order. The statement criticised PTI leaders, accusing them of abandoning their supporters and now fabricating a narrative of state brutality. The PTI’s blatant accusations have sparked intense debate on the conduct of law enforcement and the accountability of political leadership during the clashes. Foreign Office Spokesperson Mumtaz Zahra Baloch also said in a statement, “We have seen some external commentary on the recent developments in Pakistan. We believe that some of this commentary is based on inaccurate and incomplete picture about the situation in Pakistan”. Copyright Business Recorder, 2024
NoneBy Hannah Fry, Los Angeles Times (TNS) Every day millions of people share more intimate information with their accessories than they do with their spouse. Wearable technology — smartwatches, smart rings, fitness trackers and the like — monitors body-centric data such as your heart rate, steps taken and calories burned, and may record where you go along the way. Like Santa Claus, it knows when you are sleeping (and how well), it knows when you’re awake, it knows when you’ve been idle or exercising, and it keeps track of all of it. People are also sharing sensitive health information on health and wellness apps , including online mental health and counseling programs. Some women use period tracker apps to map out their monthly cycle. These devices and services have excited consumers hoping for better insight into their health and lifestyle choices. But the lack of oversight into how body-centric data are used and shared with third parties has prompted concerns from privacy experts, who warn that the data could be sold or lost through data breaches, then used to raise insurance premiums, discriminate surreptitiously against applicants for jobs or housing, and even perform surveillance. The use of wearable technology and medical apps surged in the years following the COVID-19 pandemic, but research released by Mozilla on Wednesday indicates that current laws offer little protection for consumers who are often unaware just how much of their health data are being collected and shared by companies. “I’ve been studying the intersections of emerging technologies, data-driven technologies, AI and human rights and social justice for the past 15 years, and since the pandemic I’ve noticed the industry has become hyper-focused on our bodies,” said Mozilla Foundation technology fellow Júlia Keserű, who conducted the research. “That permeates into all kinds of areas of our lives and all kinds of domains within the tech industry.” The report “From Skin to Screen: Bodily Integrity in the Digital Age” recommends that existing data protection laws be clarified to encompass all forms of bodily data. It also calls for expanding national health privacy laws to cover health-related information collected from health apps and fitness trackers and making it easier for users to opt out of body-centric data collections. Researchers have been raising alarms about health data privacy for years. Data collected by companies are often sold to data brokers or groups that buy, sell and trade data from the internet to create detailed consumer profiles. Body-centric data can include information such as the fingerprints used to unlock phones, face scans from facial recognition technology, and data from fitness and fertility trackers, mental health apps and digital medical records. One of the key reasons health information has value to companies — even when the person’s name is not associated with it — is that advertisers can use the data to send targeted ads to groups of people based on certain details they share. The information contained in these consumer profiles is becoming so detailed, however, that when paired with other data sets that include location information, it could be possible to target specific individuals, Keserű said. Location data can “expose sophisticated insights about people’s health status, through their visits to places like hospitals or abortions clinics,” Mozilla’s report said, adding that “companies like Google have been reported to keep such data even after promising to delete it.” A 2023 report by Duke University revealed that data brokers were selling sensitive data on individuals’ mental health conditions on the open market. While many brokers deleted personal identifiers, some provided names and addresses of individuals seeking mental health assistance, according to the report. In two public surveys conducted as part of the research, Keserű said, participants were outraged and felt exploited in scenarios where their health data were sold for a profit without their knowledge. “We need a new approach to our digital interactions that recognizes the fundamental rights of individuals to safeguard their bodily data, an issue that speaks directly to human autonomy and dignity,” Keserű said. “As technology continues to advance, it is critical that our laws and practices evolve to meet the unique challenges of this era.” Consumers often take part in these technologies without fully understanding the implications. Last month, Elon Musk suggested on X that users submit X-rays, PET scans, MRIs and other medical images to Grok, the platform’s artificial intelligence chatbot, to seek diagnoses. The issue alarmed privacy experts, but many X users heeded Musk’s call and submitted health information to the chatbot. While X’s privacy policy says that the company will not sell user data to third parties, it does share some information with certain business partners. Gaps in existing laws have allowed the widespread sharing of biometric and other body-related data. Health information provided to hospitals, doctor’s offices and medical insurance companies is protected from disclosure under the Health Insurance Portability and Accountability Act , known as HIPAA, which established federal standards protecting such information from release without the patient’s consent. But health data collected by many wearable devices and health and wellness apps don’t fall under HIPAA’s umbrella, said Suzanne Bernstein, counsel at Electronic Privacy Information Center. “In the U.S. because we don’t have a comprehensive federal privacy law ... it falls to the state level,” she said. But not every state has weighed in on the issue. Washington, Nevada and Connecticut all recently passed laws to provide safeguards for consumer health data. Washington, D.C., in July introduced legislation that aimed to require tech companies to adhere to strengthened privacy provisions regarding the collection, sharing, use or sale of consumer health data. In California, the California Privacy Rights Act regulates how businesses can use certain types of sensitive information, including biometric information, and requires them to offer consumers the ability to opt out of disclosure of sensitive personal information. “This information being sold or shared with data brokers and other entities hypercharge the online profiling that we’re so used to at this point, and the more sensitive the data, the more sophisticated the profiling can be,” Bernstein said. “A lot of the sharing or selling with third parties is outside the scope of what a consumer would reasonably expect.” Health information has become a prime target for hackers seeking to extort healthcare agencies and individuals after accessing sensitive patient data. Health-related cybersecurity breaches and ransom attacks increased more than 4,000% between 2009 and 2023, targeting the booming market of body-centric data, which is expected to exceed $500 billion by 2030, according to the report. “Nonconsensual data sharing is a big issue,” Keserű said. “Even if it’s biometric data or health data, a lot of the companies are just sharing that data without you knowing, and that is causing a lot of anxiety and questions.” ©2024 Los Angeles Times. Visit at latimes.com. Distributed by Tribune Content Agency, LLC.Roadblocks are 'price of pioneering': Gautam Adani
Southern Reps Caucus Back Tinubu’s Tax Reform Bills, Set For Dialogue
PHOENIX — A former University of Arizona football player now serving a prison sentence for murder had shocking Google searches in the days leading up to the deadly shooting. RELATED: New details in case against former Arizona Wildcats football player charged with murder Records released by the Maricopa County Sheriff's Office show on Nov. 7, 2017, DaVonte' Neal repeatedly searched for information about chloroform, including the search, "What can you smell that will make someone unconscious?" and "What does chloroform smell like?" That same day, Neal also searched for shooting ranges in the Phoenix area. It's unclear what his plan entailed, but four days later, Neal shot and killed Bryan Burns, the man dating the mother of Neal's child. Burns was driving near the I-10 overpass and Elliott Road in Tempe when he was sideswiped by Neal. Neal then fired multiple shots into Burns' vehicle, striking him repeatedly. Neal fled the scene in his vehicle as witnesses rushed to help, however, Burns died from his injuries. MCSO would later learn that Burns noticed he was being followed by a vehicle unknown to him and had told his friends about it. He even relayed a license plate number to them. They relayed that information to detectives who found the license plate matched a vehicle registered to Neal's sister and mother. Dozens of hours of body camera footage and recorded interviews show MCSO's initial interactions with those close to the victim, including his girlfriend. Within minutes of speaking with detectives, she told them they needed to investigate Neal. "I wouldn't not check my child's father," she said. She then recounted strange and unusual text messages she had received from Neal the night before the shooting and in the hours after. She said Neal told her to "be careful" and the following day, he told her he had seen her friend on the news. Burns had not yet been publicly identified as the shooting victim at the time of that text message. "Back when me and my child's father both first broke up three years ago, he found out that I was talking to Bryan and it was a really big deal. He felt like his family was stolen from him," Burns' girlfriend told detectives. Neal was quickly considered an investigative lead in the case. Five days after the shooting, he was brought in by MCSO for questioning. "I'm confident in myself that I didn't do it. I know that I didn't do it. I know where I was," Neal said. Neal claimed he had been home with his child at the time of the shooting. After sitting in the interrogation room for around three hours, he asked for a lawyer. "Is there a way that we can talk about this with a lawyer or something like that?" Neal asks. Neal was let go and the investigation would continue for close to five more years. He continued to live his life. He coached at Higley High School. He then was hired as an assistant football coach at Idaho State University. The silver vehicle seen by witnesses with the license plate that matched what Burns had reported was tracked down. It had damage consistent with a sideswipe collision and the interior of the vehicle tested positive for gunshot residue. MCSO also obtained Neal's cell phone records. On the day of the murder, Neal received a suspicious text message from his aunt, advising him to get rid of something and then to delete that text message. In addition to the concerning search history leading up to the shooting, there were unusual searches in the hours following. Neal repeatedly checked local news websites for information about the shooting in Tempe. A 1,500-page incident report shows that MCSO received that cell phone data in November of 2021. They also obtained location data from Neal's phone that placed him at the scene of the crime the night it happened. In March of 2022, MCSO submitted its case to the Maricopa County Attorney's Office. Two months later, he was arrested in Idaho. "Please note that criminal investigations, especially those involving serious felony charges such as murder, take time to ensure a complete and accurate case is provided to the MCAO. When the Detectives felt they had enough and the strongest case possible for the MCAO, it was submitted to them," said Sgt. Calbert Gillett of the Maricopa County Sheriff's Office regarding the timeline of the case. Earlier this year, Neal pleaded guilty to second-degree murder. He was sentenced to 20 years in prison in October and has now begun his time behind bars. His projected release date from prison is May of 2042. Prior to playing football at the University of Arizona, he played at Notre Dame. He was also an Arizona Gatorade Player of the Year at Chaparral High School. Watch 12News for free You can now watch 12News content anytime, anywhere thanks to the 12+ app! The free 12+ app from 12News lets users stream live events — including daily newscasts like "Today in AZ" and "12 News" and our daily lifestyle program, "Arizona Midday"—on Roku, Apple TV and Amazon Fire TV . 12+ showcases live video throughout the day for breaking news, local news, weather and even an occasional moment of Zen showcasing breathtaking sights from across Arizona. Users can also watch on-demand videos of top stories, local politics, I-Team investigations, Arizona-specific features and vintage videos from the 12News archives. Roku: Add the channel from the Roku store or by searching for "12 News KPNX." Amazon Fire TV: Search for "12 News KPNX" to find the free 12+ app to add to your account , or have the 12+ app delivered directly to your Amazon Fire TV through Amazon.com or the Amazon app.
Reilly scores 18 as Delaware downs Rider 72-66NoneThe average rate on a 30-year mortgage in the U.S. eased this week, though it remains near 7% after mostly rising in recent weeks. The rate slipped to 6.81% from 6.84% last week, mortgage buyer Freddie Mac said Wednesday. That’s still down from a year ago, when the rate averaged 7.22%. Borrowing costs on 15-year fixed-rate mortgages, popular with homeowners seeking to refinance their home loan to a lower rate, rose this week. The average rate climbed to 6.1% from 6.02% last week. A year ago, it averaged 6.56%, Freddie Mac said. Mortgage rates are influenced by several factors, including the yield on U.S. 10-year Treasury bonds, which lenders use as a guide to price home loans. The yield, which mostly hovered around 4.4% last week and was below 3.70% in September, has eased this week. It was at 4.23% at midday Wednesday. Elevated mortgage rates and rising home prices have kept homeownership out of reach of many would-be homebuyers. U.S. home sales are on track for their worst year since 1995. “The 30-year fixed-rate mortgage moved down this week, but not by much,” said Sam Khater, Freddie Mac’s chief economist. “Potential homebuyers are also waiting on the sidelines, causing demand to be lackluster. Despite the low sales activity, inventory has only modestly improved and remains dramatically undersupplied.” Mortgage rates slid to just above 6% in September following the Federal Reserve’s decision to cut its main interest rate for the first time in more than four years. While the central bank doesn’t set mortgage rates, its actions and the trajectory of inflation influence the moves in the 10-year Treasury yield. The central bank’s policy pivot is expected to eventually clear a path for mortgage rates to generally go lower. But that could change if the next administration’s policies send inflation into overdrive again. September’s pullback in mortgage rates helped drive a pickup in sales of previously occupied U.S. homes last month, and likely helped give a boost to demand early last month. The National Association of Realtor’s pending home sales index rose 2% in October from the previous month, its third straight monthly increase, the trade group said Wednesday. Pending transactions were up 5.4% compared to October last year. A lag of a month or two usually exists between when a contract is signed and when the home sale is finalized, which makes pending home sales a bellwether for future completed home sales. Still, because mortgage rates have mostly kept rising in recent weeks, that could dampen sales this month and next in what’s already typically a slow season for the housing market. “Though mortgage rates are likely to decline in the coming weeks, the dip will be too little and too late to boost home sales in December,” said Ralph McLaughlin, senior economist at Realtor.com . Forecasting the trajectory of mortgage rates is difficult, given that rates are influenced by many factors, from government spending and the economy, to geopolitical tensions and stock and bond market gyrations. Economists predict that mortgage rates will remain volatile this year, but generally forecast them to hover around 6% in 2025.