Doing the honours for these last couple of categories, we're moving on to our next sub-category which is financial services sector and to do the honours for this particular sub-category, we invite on stage Ms. Rajna Chaudhary, media value works and Mr. Himanshu Kapadia, senior vice president corporate communication, the Aditya Birla group, request Mr. Himanshu Kapadia and Rajna Chaudhary to please join me on stage for doing the honours for the financial services sector and to the time they come on stage. Could we have the shortlisted nominees please? The financial category is one which does have a little bit more complication in terms of the products that you see as well as the regulatory and the other technical aspects to it. But I think the kind of entries that we saw this year were really top notch and we really had to put in real effort in terms of being able to differentiate between them and really be able to come out with the winner. Having said that I think again each one of them were really focused in terms of the objective, each one of them had something great to offer in terms of ideation, in terms of the way the whole idea was executed and we will look forward to these kind of entries in the years coming. Any guesses now in this one? My trophy giver only is shouting out. Let's find out who the medal goes to and only silver and gold by the way. Adfactors and ICICI backed limited getting pockets in every pocket. Thank you so much Rachna, thank you so much Imanshu for doing the honours.


Hi, my name is Lise. I am from the United Kingdom and I have recently completed two online courses with ITTT, the 120-hour TAFL course and one of the 50-hour supplementary courses. And I have to say I was pleasantly surprised. The quality of the courses exceeded my expectations. I've learned a lot from them. As a non-native speaker, however, I would have liked to have seen more grammar points included in the course syllabus as I found the grammar units were easily achieved and didn't present much of a challenge to me personally. So perhaps expanding on those would be highly beneficial to future trainees. That said, I really enjoyed the course. I found it well organized, professional and I'll be recommending it to my peers. So thank you and all the best to you. Bye-bye.


Have you ever heard someone say that only God can judge me? Well, one, that's not true, but even if it were, that's not a good thing to look forward to. People tend to say that because they might be involved in saying don't want anyone to say anything about them because they just don't like to feel uncomfortable, even though we're told that the body of believers will judge other believers if indeed you are a believer. Well, let's say you're not a believer or even if you were a believer, you don't want to wait on the judgment of God to be your final judgment. In Ecclesiastes 8, 11 says, because the sentence of someone is delayed, that person will end up feeling more emboldened and continuing their sin. Well, all you're doing is storing up wrath, storing up more judgment. And I promise you, you don't want to have God's judgment be the final judgment. It would be much better for someone on earth to render a judgment and you heed that judgment, repent and change, then to face the wrath of God. Amen.


My name is Deputy Baker with the Paso County Sheriff's Office and today you'll be doing a ride-along with me on your Twitter account. I'm Major Carter Roan with the Explore Post and I'm going to be doing a ride-along with Deputy Baker today. So we're going to his citizens right now.  So we're going to check it out. I'm just going to contact the Sheriff's Office and they can notify me okay? Yep. Whenever we get found property we like to inventory it. That way when whoever comes to pick up the items can't say that oh this was in there and now it's missing. So it's just a liability issue. Sometimes there's stuff in there that's not supposed to be in there. If it gets that point what we just do is we just submit it to be destroyed. If it's any type of drug. Drug paraphernalia. So let's see. We got his jacket in the backpack. Why do you think it's a drug related? You think there's going to be...  He's on that? And I've never seen anything. And this is what it was last week? Yeah. One KB and then quantity weight is one. This is a jacket. And then black leather jacket. So we just cleared the citizens assist call. And then there being a found property the woman allowed a man to stay at the house for an extended amount of time. And he left and leaving his jacket in his backpack there. So she doesn't want it there anymore. She doesn't want him to give him the opportunity to come pick it up. So we're just going to take it as a found property. Submit it to our property in evidence and when he wishes to come and claim it he can do so. As far as next year goes my goal is to get back into school. The agency, they're getting more into education. So as far as advancement goes they want you to have some type of degree. So I plan on going back to school and get my bachelors in English. So that's my goal for 2018 is to get back into school. You're okay though? Everything's doing well? Same thing? One more spice? This is the last time you use it. Take care, like I said, so they have to clear this wood. You're going to have to find somewhere else to go, okay? This is Suboxone. It's what they use at the methadone clinics to wean people off opiates. So unless you have a prescription for this you're not allowed to carry. It's considered control substance. But this is, it's been used so there's nothing in it. Over there? Yes. I have her address. She's harmless. She is. She is. Things were robots. And if I need her to have to go home. She's reduced. She's intoxicated. What's going on? She has had a customer in there. Apparently she had a few drinks at the bar, another major. And they said when she went to the bathroom she came out. Appeared to be more intoxicated. So they're under the impression she may have put something off she's in there. So right now she's eating trespass. She's understood what that means. So if she comes back onto the property and we come out. Then she's obviously going to be so good to her as so. That's essentially what's going to happen. So we're waiting for her to get a ride right now. But it's going to be up to her to leave. So she comes back. Then we have to come back out and take her. So that's it. Hey, it's Seppy Baker. And I'm Explore Major Carter Roan. We're going to be signing up today. We appreciate you following with us today with a tweet along. And we have a good night.


Okay, very good morning to you. It's Wednesday 24th November. Hope you're doing well and a couple of things we're going to cover starting with the look at crude oil. We've got a chart here I'll come back to in a moment, but we had the SPR tapped predominantly by the US but other nations as well and actually Instead of oil moving lower. They actually moved up and had its biggest move north in two weeks So we'll look at the rationale behind there and there's some good comments as well from the analysts at Goldman Sachs about what they have to say about that latest deal. And then we're going to talk about the Turkish lira in freefall yesterday fell as much as 15% The reason is why and then the RBNZ overnight they came out and hiked rates now for the second time rates now at 0.75% But their currency actually moved down in overnight trade and again I'll go into explain at why that price reaction occurred and then we've got an update from Elon Musk He's now halfway through or so that Twitter poll that he put out about the 10% disposing of his shareholding And so we'll have a look at what the latest is on that from and then we'll talk about the day ahead Obviously a really busy day all very much concentrated today in terms of US economic data this afternoon London time And that's because US markets of course are closed for Thanksgiving tomorrow early electronic closes as well on Friday Meaning that most US participants won't come back then after today until Monday next week So we've got things like US PCE which will go up obviously very closely watched given inflationary focus at the moment And on the coattails of that multi-decade high in CPI. We've also got US GDP second reading We've got new home sales. We've got jobless We've got Durable goods so everything's coming out as well this afternoon to look forward to but quick reflection on the charts I'm not going to go into any of these in great detail really because it's a fairly quiet open major currency pairs top-left are basically flat and equity indices are pretty much unchanged Just consolidating large in the overnight session from where we were trading at the close on Wall Street last night The S&P now finished up two tenths and six tenths of 1% Slat under performance once again in the Nasdaq down 0.5 so continuation of a bit of that tech weakness as what we saw upon the Nomination of power and the high yield movement at beginning of the week still being digested for the moment European shares actually nursed the worst losses yesterday They slumped to a three-week low biggest daily loss We've had in nearly two months and of course a lot of people bit apprehensive about the resurgence of COVID-19 cases in the mainland and that's raised fears of tighter restrictions which are being inactioned at the moment across Europe and the impact that will have subsequently on economic activity being kind of reflected in price But I guess the one chart to look at is crude oil and as you can see here This captures the sell-off that we had on the trendline break on Friday as people Anticipating the fact that the US were getting more serious about tapping the SPR and then the announcement itself came out yesterday And in fact prices removed higher biggest gain that we've had in two weeks with WCI crude on The basic notion that the deal that they done was smaller than many had expected And so the US will make 50 million brows of oil available to buyers And as such then prices given that we'd already factored in something more sizable and all the banks were talking more like 80 to 90 This obviously is way smaller, which in itself I think is again very much more Biden pushing this through it's gonna have I think a very minimal impact in fact on on the performance of crude oil But that's probably not the point the optics will appear at least that he's managed to do something for the consumer to manage then Heightened energy prices, which of course are having a really meaningful impact to lift energy price and inflation At the moment, which is a real headache for him politically domestically So we're back at a $79 hand or at the moment Holding on to some of the gains that were seen yesterday The next thing that people will look out for of course when it comes to now oil going forward is what's OPEC's response going to be And they're not going to have to wait long because OPEC are meeting the next week as they always do on a month-to-month basis and Speaking before the reserves release were announced yesterday a member from the UAE came out and basically said there was no need for OPEC Plus to increase oil production any faster than their predetermined plan despite pressure that they're getting from other consumers at the moment And if anything what's happened the US led yesterday with the tapping of the SPR is probably even put even more Friction between say the US and Saudi and other like Russia Participants of OPEC plus at this point in time But Russia of course has got this whole other angle as well at the moment of a source of friction over Ukraine Lots of military movement happening military drills in the Black Sea about whether or not they'll look to invade Ukraine and so on you know if you want to read about the likelihood of that and why that's happening if you just go to my Twitter account I shared a really good breakdown of that from a Reuters article late last night if you want to have a read But one of the things here about this this latest move the reason why I call it More political optics than something more meaningful to really move the needle on the supply side of trying to counteract higher oil prices at the moment A couple of things for one. This is a bit of a look at Going back in time to 2008 And again, you can access this chart on my my Twitter account, but this is looking at the last times Over the recent years that the US has basically tapped the SPR So it marks all releases of at least one million barrels since 2007 And you can see more often or not prices do tend to respond But that isn't always the case in fact when they did this back in 2017 and they released five point two million barrels actually prices went went up And so that's not always the case that it has the the intended kind of impact This is actually the top sheet of a research report that was put out from Goldman Sachs Shortly after the announcement yesterday, and they were writing that so going by the numbers the US have released 50 million barrels with the US From the US as much as 30 million barrels from Korea Japan China India and the UK And what they're suggesting is then the aggregate size of the releases 70 to 80 and that was both smaller than the hundred 100 plus that the market had been pricing in and this is one of the important things We were talking about in the beginning of the week the swap nature of most of these barrels implies an even smaller Cirque of 40 million barrels net increase in oil supplies over 2022-23 Because one of the things here is that actually it needs to be the oil returned back with interest And so actually when you factor that in this latest supply increase is absolutely Insignificant in the grander scheme of things and hence the reason why the market was quick to jump on this and fade the initial knee-jerk headline reaction lower and then just rally the market back up on the back of that Okay, the other thing then is the Turkish lira Just for interest I'm just going to give you a very brief overview because if you go on to the YouTube homepage for amplify me and you go down to the latest videos Which is the one the category where every daily one gets uploaded Eddie and I did a video yesterday about why the Turkish lira is in free fall Really good conversation had some nice interaction with this post So he goes into it Eddie does in a lot more detail given the backstory of the history How we've got to this point why it's been kind of blown out in a latest catalyst by the the convergence of really Erdogan the president pushing back Defending his recent sharp rate cuts To give you an idea of top-level numbers interest rates around 15% res inflation is tracking at 20% in Turkey He doesn't look like he's gonna back down from that and all the meanwhile while the domestic currency weakens The dollar is strengthening under the more hawkish tilt now We're hearing from Federal Reserve officials of which is creating further downside pressure for the Turkish lira So yeah, check check that out. The lira is absolutely hammered yesterday It was down as much as 15% at one point the lira is 11-day losing streak is now It's longest it's had in 20 years and it just really Was an acceleration of what has been a pattern of several years of declining value for currency But in November alone to give you some context the Turkish lira has lost a third of its value now So yeah, although we might fade a bit of the aggressiveness of the move yesterday Given the fact that Erdogan is probably unlikely to back down Could be one to continue to watch and it could get it could get worse before it gets better to that extent The other thing then just quickly to talk about is the RBNZ and the reason why is they became the first central bank amongst developed nations to increase rates for a second time in 2021 rates were lifted by a 25 basis points overnight and now reside at 0.75% in response to runaway inflation and Overheating economy you can see here the prior to the episode really of the economy starting to roll over a bit And then of course the pandemic hitting rates have gone from kind of circle one seven five all the way down to the lower Bound and then we've had this to break hike return More recently in actuality though the Kiwi dollar although it spiked and saw some initial volatility on the release I transitioned my screens here. This is looking at Kiwi Kiwi futures And as you can see here the volatility on the release and we've actually Generally moved lower post that announcement which might seem strange just looking on top level this bank It's just height rates for the second time this year one of the only developed Nation banks to have done so the bank said they forecast inflation to run above 5% for the next three quarters peaking at 5.7% in March because of higher oil prices rising Transportation costs and the impact of course of supply shortfalls the main rationale behind why the currency reacted negative way is that Although they expect inflation to return towards a 2% midpoint of its target banned over the next two years They do see it moderating over time the important thing of why it slipped to a six-week low is that most people are actually looking for a More aggressive rate hike. So although they've done a Second one's been executed in the cycle people actually thought just given the conditions particularly on the inflationary side That they were going to step it up and go for 50 basis points rather than 25 and that didn't materialize And so we've just generally trended a little bit lower there overall So that was the Kiwi side of things and then pray briefly just an update on on Elon Musk Here's the chart of what he's pledged and the amount of shares he would need to sell to fulfill that pledge of Offloading 10% of his stake so it came to light because all of this stuff needs to be filed And so it's quite visible for markets to see and Musk sold an additional 934,000 shares for about a billion dollars according to regulatory filings late on Tuesday session He also exercised about 2.15 million stock options and the sales were made to cover Taxes related related to the transaction when he does execute these he has to pay tax on it Which is why it becomes quite a tricky thing to manage when you're talking about such such size I've not actually looked Directly at this to mark it up Recently, but here's just a look at the general ebb and flow of Tesla shares and in fact, you know, this is only really looking at the last two months or so of price activity And you can see here. We have saw quite a sharp bounce here As trade recommence for the beginning of the week and we've actually faded that quite sharply We ran into the kind of 1200 dollars a share as generally a bit of an obstacle And since that point we've declined to the lows around 11% from those that were seen at the close yesterday on this latest filing You could say though that the magnitude of these sell-offs is getting smaller as the market kind of acclimatizes to him Doing these share sales. I mean if you look at that first one that we had that was more like 16 overall move of 20% The move now in fact from the highs is more like 10 to 11% So I would imagine he gets through the rest of this was out really too much damage to the stock price and overall one of the key levels of course, which has Broadly held is the psychological 1000 in the Tesla stock price And we did have a brief for a beneath their beginning of last week Managed to see a really sharp recovery So that's obviously quite a key lower bound level around 978 But for now, I think The the impact will become a deep diminishing impact now that the markets are becoming a lesser sensitive to these developments But they still are having an impact is the point So good for medium-term holders. I don't think it's a big issue what's happening now for the intraday guys Yeah, you just need to have your wits about you to keeping an eye on some of the news flow that's coming out All right in terms of the day ahead So we've got German ifo coming out shortly this morning And the headline figure expected at 96.6 So a slight move lower down from 97.7 But it's going to be an increasingly interesting figure to watch I guess going further forward because it's only most recently that the covid case rate in Germany continues to tick up quite aggressively And then now continue to talk about more onerous Restrictions and the impact that might have then for companies in particular and their confidence going forward Will be key to watch one would imagine this number will decline in time to reflect that and probably today's number Maybe a little bit too early to really reflect that in full And so something to just bear in mind And then for this afternoon. Yeah, super busy day for the states As you can see durable goods second estimate q3 us GDP you got pce weekly jobless You've got university michigan new home sales all different trees And then don't forget you've got the fmc minutes as well So I'm not going to talk about everything just a couple of the key ones. Of course, one of the big ones will be pce It's going to be monitored quite closely given the inflation focus Which has kind of risen faster And to a higher level and perhaps the the Fed officials were contemplating originally and that then Has contributed to this more hawkish developments in markets for rate pricing And subsequently in step with the shift in in some of the Fed rhetoric of late um The pce data reflects change in household expenditures and a subsection of that data core pce Which discounts the effects of volatile food and energy sectors is the one that's going to be particularly closely watched and that's Expected to remain unchanged For q3 at 4.5 percent But definitely markets will will pay close attention to that. The other thing we've got then is is gdp Uh analysts at the dutch bank i and g expect a modest upward revision But the october personal spending will be more significant as it tells us how the fourth quarter started New home sales also coming out today not expected to be Move much on the month but increase in the home of the sentiment suggests buyer traffic is on the rise And that should lift housing activity going into the new year And then finally initial jobless claims expected to be tracking down at the kind of mid 200 000 level Looking for it to be fairly consistent with last week um, you the oil inventories Um, obviously we'll look out for this afternoon and then the markets close um will happen In terms of thursday sessions So it's going to be a very jam-packed day And then it's probably going to be very quiet buying anything unexpected for the rest of the week Although there might be some electronic trade happening actual volume will be very small state side Then you've got the fmc minutes of course last thing just to wrap up This is from that meeting where they really commenced tapering And so a lot of people might scrutinize the actual line-by-line account of those discussions However, I guess the key thing markets are looking for at the moment is What would constitute and what type of Progression would need to be seen and how would it how would it look in terms of a speeding up of tapering It's probably way too early to see that have materialized in the minutes that came out because this was about the launching of Not now where the discussion is at in markets right now What two weeks or later after the event three weeks later where the where the narrative was moved now And so for me the minutes are perhaps a little bit dated And I wouldn't actually be looking for too much to come out to them to be quite honest All right, that is it from me Again any questions at all feel free to drop me a comment Hope that was useful, and I'll see you guys tomorrow. Thanks very much


Poor nutrition costs Nigeria over 1.5 billion U.S. dollars in GDP every year, threatening the health of citizens and economic potential of the nation. Fortifying staple foods with key vitamins and minerals is one of the most scalable, sustainable and cost-effective tools to combat malnutrition in Nigeria and worldwide. This was a main thrust at the 4th annual Nigeria Food Processors and Nutrition Leadership Forum to announce progress in fortifying staple foods with essential vitamins and minerals. Justin Akadwe has more. 4th annual Nigeria Food Processing and Leadership Forum, data showing significant progress in the fortification of staple foods in Nigeria was presented. During the last four years, the Forum has experienced increased engagement by the Federal Government and CEOs of Nigeria's largest food processing companies, resulting in years of steady progress. The data presented at the Forum, which was chaired by Aliko Dangute, demonstrated sustained fortification compliance for some key micronutrients and a decline for others largely due to supply chain issues caused by the pandemic of COVID-19. Also, the issue of the Russia-Ukraine crisis came to the fore with a specific mention of wheat production. It's not a false claim and I'm sure that NAVDAC has also been working on this because we've got several visits from NAVDAC on this issue. So it's not a wasted question and we are on top of it. We are also working on not just the saturated fats, we're also working on use of multi-purpose tankers and trailers and conveying vegetable oil and we are working with NAVDAC on that. As of today, prices of wheat have gone up. Now, there's a lag in the system that comes because of inventory controls and inventory management, but it is something that we need to be sitting down with government today to discuss about what measures can we put in place to alleviate what is coming down the road. Russia and Ukraine, they do almost about 30 percent of the world's urea and then 26 percent of the world's potash and then phosphate also they're one of the largest in the world. So and that dough has actually, you know, gone up. There will be scarcity of food generally, you know, because people will not be able to access fertilizers going forward and we will not see the effect now, but in the next two, three months, you know, this thing is going to show.


Should you quit alcohol or should you do moderation? I'm James Swannick, I help people quit alcohol. There's some free resources for you down below. Just go ahead and grab some of those. But I get this all the time from my clients and members and my 30 day no alcohol challenge, my Project 90 program. Should I quit or should I do moderation? So here's the thing, if you're thinking about doing moderation then you're already or you're continuing to think that alcohol is something fun and joyous and something to be celebrated. It's not, it's a poison.  So in my opinion, just quit and be done with it. Human beings were not designed to drink this poison. We were not, we created it. We discovered it, we created it and we started drinking it and then all these problems started, okay? So should you moderate? You can if that's better than what you're currently drinking. Sure, any reduction is going to be better. But why go for moderation when you can just quit? I haven't drunk alcohol now since 2010. And since that time I've lost about 35 pounds. I've got the body nature intended me to have. I got my dream job hosting a TV show, Sports Center on ESPN. I started two successful businesses. I've now helped tens of thousands of people quit drinking around the world. And I credit quitting drinking from giving me all those things, for giving me the clarity and the energy and the focus to be able to accomplish those things. Now that doesn't mean I'm successful just because I've done a bunch of stuff but I sure as heck wouldn't have achieved any of those things if I was still drinking. I would probably still be in a state of mediocrity just kind of like coasting through life. But now that I'm in my 40s probably looking back and going wow I've wasted a lot of opportunities. So it doesn't necessarily mean that you like gauge success by having built a business or made more money or any of those kind of things. It doesn't matter. Whatever you want to achieve in life whether it's attract a dream partner, attract a new partner, serve people, build a business, make lots of money, break up with someone, learn a musical instrument, travel the world, have freedom.  Drinking alcohol leaves you in a state of stress, anxiety. It compromises your sleep quality which leads to irritation, which leads to you snapping at your wife or your husband or your kids, not being present, not being focused, feeling foggy all the time. So people say should I moderate or should I quit? Quit and be done with it. Just get it out of your life. Because moderation, well okay, you'll say alright I'll only drink on weekends.  It's not. Oh, but I'll lose all my friends. You'll get new ones. And you won't lose your friends either. You can keep your existing friends. There's lots of ways to socialize without alcohol. I've been doing this since 2010. Nobody will ever accuse me or has accused me of being dull. Trust me. I jump up and down. I dance. I have a great time. I'm energized. I get things done. I travel the world and I'm not saying this is all about me and I'm so great and look at me and that's wonderful. I'm just saying what is possible for your life if you quit entirely versus moderation, moderation, whatever. Just get it out of your life. Why do you want to do moderation? Why?  Actually, this weekend can you please chain the ball and chain around my ankle just for this weekend? I'd really like that. And then you're like dragging yourself like this through life again. Just cut it out. You don't need it. Yes, society is all saying drink this attractively packaged poison. There are smiling assassins everywhere. Your family and friends are always going to want you to have a drink. But you're different. You see the matrix that society is in. You see that everyone's walking around. You're like, oh, have some of this more poison. Have some more poison. Drink some more poison. You don't need moderation.  But quit. Stop trying to hang on to this thing. And I get it. Like it's been with you your entire adult life and it's scary to let go of that. What will you do? Who will you become? How are you going to feel the void? Well, but I'm used to drinking at the end of every day. If I'm not drinking at the end of the day, what am I going to do? How am I going to feel that time with other stuff? With fun stuff, with building a business, with taking dancing lessons, with traveling, which taking out a friend, going to a bookstore, taking up windsurfing, kayaking, whatever. Learn a language. Whatever you're into, everyone's different. That's the beautiful thing. What I'm into, you may not be into. What you're into, I may not be into. But do stuff. Do epic stuff. Look at me. I'm in Bali for damn sake. I love being here. I choose to be here. I'm not doing moderation. I've got that poison out of my life. I don't think of it as fun. I don't think I'm missing out on anything. I have Jomo. FOMO is the fear of missing out. I have Jomo, the joy of missing out. The joy of missing out on the poison that is alcohol that is holding you back. So let's not do moderation. Let's just quit and stay quit. There are resources down below for free that you can sign up to. You can download. You can watch to get you started. Forget moderation. Just quit and be done with it and thrive in life.