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Wisconsin high school football: Grantsburg bows in Division 6 state finalDirect Line has rejected a £3.3bn takeover offer from its bigger UK rival Aviva , the second time it has rebuffed a suitor this year. Aviva, the UK’s largest insurer, said it offered 250p a share, made up of cash and Aviva shares, in a non-binding proposal on 19 November. This was rejected by Direct Line on Wednesday, which has declined to engage further with Aviva, according to the statement. The announcement came after markets shut. Aviva’s share price closed 1.6% higher at 489.5p, while Direct Line shares slipped by 0.2% to 158.7p. Its share price has fallen by 14% this year, giving the company a market value of £2.1bn. By contrast, Aviva’s shares are nearly 13% higher, valuing it at £13.2bn. “Aviva believes that an acquisition of Direct Line would be consistent with its strategy to accelerate growth in its UK businesses and further pivot the group towards capital-light business lines,” the insurer said. It added that it would create a more efficient platform from which to serve existing and new customers, and would allow Direct Line customers to “benefit from Aviva’s breadth, scale and financial strength”. However, Direct Line, known for its motor insurance, said it had considered the proposal with its advisers and concluded that it was “highly opportunistic and substantially undervalued the company”. It added: “The board has considerable conviction in the capabilities of our newly established leadership team and stands firmly behind their delivery of our strategy. Under this strategy, the company continues to make early progress towards our financial targets, and expects to deliver attractive growth in profitability, capital generation and shareholder returns.” The Kent-based company said earlier this month that it plans to cut 550 jobs as part of a turnaround plan aimed at saving £50m next year. It lost nearly 400,000 car insurance customers in the past year. Adam Winslow joined as chief executive in March from Aviva, where he ran the general insurance business in the UK and Ireland. In February, Direct Line rejected a £3.1bn takeover approach from Belgian insurer Ageas , saying it was “uncertain and unattractive” for shareholders. The company was spun out of Royal Bank of Scotland in 2012 and listed on the London Stock Exchange two years later. Sign up to Business Today Get set for the working day – we'll point you to all the business news and analysis you need every morning after newsletter promotion Aviva has sold businesses in France, Italy, Asia and elsewhere to focus on the UK, Ireland and Canada under chief executive Amanda Blanc. In March, it announced it was returning to the Lloyd’s insurance market through the £242m purchase of Probitas and completed the deal in July. Under UK takeover rules, Aviva has until 5pm on 25 December to announce a firm intention to make an offer or walk away.
Xtracker Msci Acwi Ex Us High ( NYSEARCA:HDAW – Get Free Report ) dropped 0% during trading on Friday . The stock traded as low as $25.35 and last traded at $25.36. Approximately 1,900 shares traded hands during mid-day trading, an increase of 13% from the average daily volume of 1,688 shares. The stock had previously closed at $25.37. Xtracker Msci Acwi Ex Us High Trading Down 0.0 % The firm has a market cap of $11.41 million, a P/E ratio of 9.61 and a beta of 0.64. The business’s 50-day moving average is $25.36 and its two-hundred day moving average is $25.31. Xtracker Msci Acwi Ex Us High Company Profile ( Get Free Report ) The Xtrackers MSCI All World ex US High Dividend Yield Hedged Equity ETF (HDAW) is an exchange-traded fund that mostly invests in high dividend yield equity. The fund tracks a market cap-weighted index of global ex-US stocks, selected by quality and dividend factors. HDAW was launched on Aug 12, 2015 and is managed by Xtrackers. Recommended Stories Receive News & Ratings for Xtracker Msci Acwi Ex Us High Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Xtracker Msci Acwi Ex Us High and related companies with MarketBeat.com's FREE daily email newsletter .ATLANTA — A Fulton County judge dismissed a lawsuit that sought to force the county to hire Republican poll workers for last month’s general election. The county hired 23 of 61 election workers recommended by the party. But in a lawsuit, the Republican Party argued that state law required Fulton to hire all of the workers. Superior Court Judge Kevin Farmer rejected that argument before the election. He ruled that state law does not give political parties priority when counties hire election workers. The lawsuit was still pending. But on Wednesday, Judge Robert McBurney dismissed it “for want of prosecution” after attorneys for the Republican Party failed to appear at a status conference on the case earlier in the week. ©2024 The Atlanta Journal-Constitution. Visit at ajc.com . Distributed by Tribune Content Agency, LLC.
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We are well-positioned to grow via key market opportunities at the forefront of global healthcare, including the incoming U.S. administration's aim to "Make America Healthy Again" by tackling chronic disease. Commercial and Community Care-Delivery: Continued expansion with market-leading employer, provider and payvider innovation partners Growth of GLP-1s: Engagement expertise provides unique ability to facilitate sustainable health outcomes and demonstrable ROI to GLP-1 sponsors Rise of Health AI: Unique data sets and capabilities will enrich and accelerate progress of next-gen clinical discovery platforms TORONTO , Nov. 27, 2024 /PRNewswire/ - Newtopia Inc. (" Newtopia " or the " Company ") (TSXV: NEWU) (OTCQB: NEWUF ), a tech-enabled whole health platform creating sustainable habits that prevent, slow and reverse chronic disease, today announced its third quarter 2024 financial results, operational highlights and filing of its financial statements. These results pertain to the three months ended September 30, 2024 . All amounts are expressed in Canadian dollars, unless otherwise noted. Third Quarter 2024 Financial Highlights: Revenue of $1.0 million Opex reduction of 16% New partnership with US supplemental payvider positions Newtopia for profitability in 2025 "As we have for eleven years, Newtopia continues to prove our unique ability to produce industry-leading patient engagement and to cultivate healthy habits that can prevent, slow and reverse chronic metabolic disease", said Jeff Ruby , Newtopia Founder and CEO. "Most recently, we reported nine-month outcomes from our ongoing trial with Arkansas -based Heartland Whole Health Institute, in which we delivered Newtopia's best-ever engagement rates and weight loss outcomes in both provider and employer environments." "This quarter we also further strengthened our underlying operations, and evolved our offerings to respond to emerging industry opportunities and value-based needs, including the incoming US administration's desire to 'Make America Healthy Again' by tackling chronic disease – something we do better than anyone else in the market", continued Ruby. "Building on the strength of this progress we continue to pursue three significant opportunities to accelerate Newtopia growth in the final quarter of the year and into 2025: (1) expanding our key innovation partnerships with providers, employers and provincial payers, including a new relationship with a US Supplemental Payvider covering millions of employee lives; (2) combining Newtopia's proven habit change platform with GLP-1 drugs for obesity and type 2 diabetes; and (3) partnering with health AI and clinical discovery innovators to improve our collective ability to deliver best in breed outcomes that prevent, reverse and slow chronic disease", Ruby concluded. Third Quarter 2024 Financial Results Revenue for the three months ended September 30, 2024 was $1.0 million compared to $2.4 million in the prior-year period. This decrease is driven by the loss of a client effective June 2024 , in addition to a structural incentive change with an existing client which the Company is actively working to offset. Gross profit for the third quarter was $0.3 million , or 34% of revenue. Gross profit consists of revenue less direct expenses, including the cost of Welcome Kits and labor costs associated with the Company's frontline health coaching team. Adjusted operating expenses for the three months ended September 30, 2024 , totaled $1.3 million , compared to $1.6 million in the prior-year period. The Company posted an adjusted operating loss of $987 thousand , compared to a gain of $21 thousand in the prior-year period. Given the new partnership with a US payvider, Newtopia anticipates returning to profitable growth in the near future. Conference Call The Company will host a conference call November 27 at 5 p.m. eastern time to discuss the third quarter 2024 results in further detail. To access the conference call, please dial (800) 717-1738 (U.S.) or (646) 307-1865 (International) 10 minutes prior to the start time and reference Conference ID number 15026. The call will also be available via live webcast on the investor relations portion of the Company's website located at investor.newtopia.com . A replay of the conference call will be available through December 18, 2024 , which can be accessed by dialing (844) 512-2921 (U.S.) or (412) 317-6671 (International) and entering the passcode 11157569. The webcast will also be archived on the Company's website. About Newtopia Newtopia is a personalized whole health platform helping people create positive lifelong habits that prevent, slow, or reverse chronic disease while reducing healthcare costs. The platform leverages genetic, social and behavioral insights to create individualized prevention programs with a focus on metabolic disease, diabetes, mental health challenges, hypertension, weight management and musculoskeletal disorders. With a person-centered approach that combines virtual care, digital tools, connected devices and actionable data science, Newtopia delivers sustainable clinical and financial outcomes. Newtopia serves some of the largest nationwide employers and health plans and is currently listed in Canada on the Toronto Stock Exchange (TSXV: NEWU) and is quoted in the US on the OTCQB ® Venture Market (OTCQB: NEWUF ). To learn more, visit newtopia.com , LinkedIn or X . Forward Looking Statements This news release contains forward-looking information and forward-looking statements, within the meaning of applicable Canadian securities legislation, and forward looking statements, within the meaning of applicable United States securities legislation (collectively, "forward-looking statements"), which reflects management's expectations regarding Newtopia's future growth, results from operations (including, without limitation, future production and capital expenditures), performance (both operational and financial) and business prospects and opportunities. Wherever possible, words such as "predicts", "projects", "targets", "plans", "expects", "does not expect", "budget", "scheduled", "estimates", "forecasts", "anticipate" or "does not anticipate", "believe", "intend" and similar expressions or statements that certain actions, events or results "may", "could", "would", "might" or "will" be taken, occur or be achieved, or the negative or grammatical variation thereof or other variations thereof, or comparable terminology have been used to identify forward-looking statements. All statements other than statements of historical fact may be forward- looking information. Such statements reflect Newtopia's current views and intentions with respect to future events, based on information available to Newtopia, and are subject to certain risks, uncertainties, and assumptions. Material factors or assumptions were applied in providing forward-looking information. While forward-looking statements are based on data, assumptions and analyses that Newtopia believes are reasonable under the circumstances, whether actual results, performance or developments will meet Newtopia's expectations and predictions depends on a number of risks and uncertainties that could cause the actual results, performance and financial condition of Newtopia to differ materially from its expectations. Forward-looking statements are not a guarantee and are based on a number of estimates and assumptions management believes to be relevant and reasonable, whether actual results, performance or developments will meet Newtopia's expectations and predictions depends on a number of risks and uncertainties that could cause the actual results, performance and financial condition of Newtopia to differ materially from its expectations. Certain of the "risk factors" that could cause actual results to differ materially from Newtopia's forward-looking statements in this press release include, without limitation: the termination of contracts by clients, risks related to COVID-19 including various recommendations, orders and measures of governmental authorities to try to limit the pandemic, including travel restrictions, border closures, non-essential business closures, quarantines, self-isolations, shelters- in-place and social distancing, disruptions to markets, economic activity, financing, supply chains and sales channels, and a deterioration of general economic conditions including a possible national or global recession; and other general economic, market and business conditions and factors, including the risk factors discussed or referred to in Newtopia's disclosure documents, filed with the securities regulatory authorities in certain provinces of Canada and available at www.sedarplus.ca including Newtopia's final long form prospectus dated March 30, 2020 . For more information on these risks please see the "Risk Factors" in Newtopia's final long-form prospectus dated March 30, 2020 . Should any factor affect Newtopia in an unexpected manner, or should assumptions underlying the forward-looking information prove incorrect, the actual results or events may differ materially from the results or events predicted. Any such forward-looking information is expressly qualified in its entirety by this cautionary statement. Moreover, Newtopia does not assume responsibility for the accuracy or completeness of such forward-looking information. The forward-looking information included in this news release is made as of the date of this news release, and Newtopia undertakes no obligation to publicly update or revise any forward-looking information, other than as required by applicable law. Neither the TSX Venture Exchange nor its Regulation Services Provider (as that term is defined in policies of the TSX Venture Exchange) accepts responsibility for the adequacy or accuracy of this release. Key Financial Measures and Schedule of Non-GAAP Reconciliations Unaudited Gross Profit Information- including amortization Reconciliation of Total Operating Expenses to Adjusted Operating Expenses Unaudited Adjusted Operating Loss Newtopia Inc. Condensed Interim Consolidated Statements of Financial Position (Unaudited) As at September 30, 2024 and December 31, 2023 (Expressed in Canadian Dollars) Newtopia Inc. Condensed Interim Consolidated Statements of Loss and Comprehensive Loss (Unaudited) Three Months Ended September 30, 2024 (Expressed in Canadian Dollars) Newtopia Inc. Condensed Interim Statements of Cash Flows (Unaudited) Nine Months Ended September 30, 2024 (Expressed in Canadian Dollars) SOURCE Newtopia Inc.49ers RBs Christian McCaffrey, Jordan Mason placed on IR
49ers RBs Christian McCaffrey, Jordan Mason placed on IRShoplifting is a growing blight on brick-and-mortar retailers globally and across the state, and San Francisco’s stores are no exception. Brazen criminals feel they can shoplift by day or break-and-enter at night, typically without fear of arrest or reprisals. The closure of Bayside Market is a notable recent example , but there are many more, and with stores operating on knife-edge margins, competing against online stores with few such concerns, the next theft could be the last. With little help from over-stretched police, despite a recent 911 response center $9 million renovation , and unresponsive politicians, stores have to take their own preventative steps. Larceny rates, which includes shoplifting, have been on the rise for years in San Francisco, despite a recent dip . Beyond more barriers and security guards, retailers aim to tilt the battle in their favor, replacing current security systems with smart and AI-powered systems. These improve on traditional models by being able to differentiate between suspicious and normal behavior. They can identify repeat offenders through facial ID, and other methods since many thieves wear hoods or masks, such as their clothing or walking gait. In grocery stores, AI is already used at self-checkouts in Walmart to monitor people “fake-scanning” high value goods and trying to escape without paying. Linked camera systems can follow and link criminals to their vehicles through license plate recognition. And in the integrated Internet of Things smart systems of the near future, they could track them through related big data services, identifying their mobile devices as they move, or even social media posts (not all criminals are particularly smart, after all). The question of privacy remains an obvious concern for shoppers. And, despite the recent state political opposition toward AI safety legislation, AI-powered security cameras are being rolled out around San Francisco stores today to save their stores for tomorrow. For those facing crime today, AI security systems and cameras help reduce the workload on the operators, alerting them to suspicious activity automatically. That means security teams can spend more time on the floor, being guided to incidents by the AI. Artificial intelligence can also perform behavior analysis that identifies and tracks suspicious activity, such as people loitering in one part of a store, or unusual movements like an accomplice trying to divert staff attention so the criminal can act unseen. Additional benefits of AI include the camera’s ability to identify the sound of breaking glass or gunshots and alert security teams and staff to the safest course of action, and call the police automatically. Beyond crime, an additional benefit of AI is footfall monitoring tools that can identify choke points or empty zones in the store, helping improve layouts for security, safety, and to improve sales. While the cost of a new AI security system for a large store can be substantial, the cost can be offset by lower insurance premiums, reduced crime, improved recovery rates, and greater visitor numbers as the store becomes a safer place. While crime continues largely unabated all shoppers are used to seeing cameras and their faces on screens by the tills. For stores, large and small, the arrival of AI comes as an invisible addition, but one that can improve their chances of survival and help drive growth through a range of AI-powered services. As mentioned at the start of this piece, shoplifting is a global problem, but retailers around the world are already seeing the benefits of AI in action. Across California and the wider US, Sam’s Club is installing AI-powered cameras in a trial to prevent shoplifting. It checks photos of their basket or cart against what they paid for at the checkout. British retail chain Co-op is using it in multiple stores to detect if someone has left without paying for an item, or whether someone has entered with a concealed weapon. And closer to home, a Chicago store reported a 50% drop in theft after installing AI-powered security cameras that monitor people making attempts to pocket or conceal items before leaving the store without paying. Given the distressed state of many malls, strip malls, and even high-end outlets, AI, already used successfully in medicine, insurance and many other areas of our lives is coming to a store near you to help prevent crime and keep the store alive, something that most shoppers will welcome. *The San Francisco Examiner newsroom and editorial were not involved in the creation of this content.
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None"Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum." Section 1.10.32 of "de Finibus Bonorum et Malorum", written by Cicero in 45 BC "Sed ut perspiciatis unde omnis iste natus error sit voluptatem accusantium doloremque laudantium, totam rem aperiam, eaque ipsa quae ab illo inventore veritatis et quasi architecto beatae vitae dicta sunt explicabo. Nemo enim ipsam voluptatem quia voluptas sit aspernatur aut odit aut fugit, sed quia consequuntur magni dolores eos qui ratione voluptatem sequi nesciunt. Neque porro quisquam est, qui dolorem ipsum quia dolor sit amet, consectetur, adipisci velit, sed quia non numquam eius modi tempora incidunt ut labore et dolore magnam aliquam quaerat voluptatem. Ut enim ad minima veniam, quis nostrum exercitationem ullam corporis suscipit laboriosam, nisi ut aliquid ex ea commodi consequatur? Quis autem vel eum iure reprehenderit qui in ea voluptate velit esse quam nihil molestiae consequatur, vel illum qui dolorem eum fugiat quo voluptas nulla pariatur?" 1914 translation by H. Rackham "But I must explain to you how all this mistaken idea of denouncing pleasure and praising pain was born and I will give you a complete account of the system, and expound the actual teachings of the great explorer of the truth, the master-builder of human happiness. No one rejects, dislikes, or avoids pleasure itself, because it is pleasure, but because those who do not know how to pursue pleasure rationally encounter consequences that are extremely painful. Nor again is there anyone who loves or pursues or desires to obtain pain of itself, because it is pain, but because occasionally circumstances occur in which toil and pain can procure him some great pleasure. To take a trivial example, which of us ever undertakes laborious physical exercise, except to obtain some advantage from it? But who has any right to find fault with a man who chooses to enjoy a pleasure that has no annoying consequences, or one who avoids a pain that produces no resultant pleasure?" 1914 translation by H. Rackham "But I must explain to you how all this mistaken idea of denouncing pleasure and praising pain was born and I will give you a complete account of the system, and expound the actual teachings of the great explorer of the truth, the master-builder of human happiness. No one rejects, dislikes, or avoids pleasure itself, because it is pleasure, but because those who do not know how to pursue pleasure rationally encounter consequences that are extremely painful. Nor again is there anyone who loves or pursues or desires to obtain pain of itself, because it is pain, but because occasionally circumstances occur in which toil and pain can procure him some great pleasure. To take a trivial example, which of us ever undertakes laborious physical exercise, except to obtain some advantage from it? But who has any right to find fault with a man who chooses to enjoy a pleasure that has no annoying consequences, or one who avoids a pain that produces no resultant pleasure?" To keep reading, please log in to your account, create a free account, or simply fill out the form below.Luigi Mangione , the suspect charged with murder in the fatal shooting of UnitedHealthcare CEO Brian Thomson allegedly had a homemade gun, known as a ghost gun, when police arrested him on Monday. The handgun that police say may have been made with a 3D printer, is similar to the gun that shot and killed Thomson. Download the CTV News App for breaking news alerts and video on all the top stories Ghost guns are untraceable. They can be assembled at home or 3D-printed, and don’t have a serial number that can be tracked. They don’t require a license or background check to be obtained. “That’s the beauty of it for the criminal and that’s the stumbling block for law enforcement,” said Mark Mendelson, a former homicide detective in Toronto. There are two common forms to obtaining a ghost gun, Mendelson said. People can legally purchase individual gun parts online -- in some cases there are do-it-yourself kits, which can be assembled at home. Sometimes, additional parts are 3D-printed to fill in the missing pieces. Other times, the entire gun can be 3D-printed using software obtained on the dark web, according to Mendelson. “If you know where you're going, you'll find it. There will always be somebody ready to sell it to you,” he said. Ghost guns in Canada It is illegal to manufacture firearms in Canada unless you have a business license to build them. Ottawa has taken steps to specifically crack down on ghost guns. Officials work with Canada Border Services Agency to help intercept imported parts for homemade guns. Recently, the government made it illegal to possess or distribute 3D printing software used to manufacture guns. But it’s not illegal to own a 3D printer. 3D printers are sold for as cheap as $300 online, but those in the printing business say criminals likely aren’t using the cheapest printer they can find. “They're not just buying a simple printer off of Amazon and going out and printing a gun. They're buying a very high-end printer that's going to be able to handle an explosion,” said Randy Janes, owner of Wave of the Future 3D in Saskatoon. “It's pretty crucial that it doesn't blow up on you when you're making these parts.” But technology is changing, and 3D printing is getting easier for the average person to dabble in, Mendelson said. And criminals are always looking for workarounds. Follow the CTV News channel on WhatsApp “As long as you have the sort of technological smarts to be able to put these things together with the software, with the consumables that go into these 3D printers, we will probably see more of this, unfortunately, as we move down the road,” Mendelson said. In June 2023, police seized 440 ghost guns and more than 50 3D printers in a cross-agency investigation that involved more than 20 police forces. Officers carried out 64 raids in Quebec, Ontario, Alberta, British Columbia, New Brunswick, Nova Scotia, Manitoba and Saskatchewan that resulted in 45 arrests. Ghost guns were unheard of ten years ago, Mendelson said. But he expects police will see more of them on the streets as Ottawa introduces new gun bans that make it harder for criminals to access guns. “Criminals do their best to stay out of jail and they'll use technology to their advantage if, in fact, it will help them to access guns. Guns are not going to go away,” Mendelson said.
New Merrillville BMV near U.S. 30 and Broadway opens FridayJoe Burrow's home broken into during Monday Night Football in latest pro-athlete home invasionIt has been a tough year for job hunters. As the labour market softened and unemployment increased, many people searching for work reported being up against hundreds of other applicants . Although the economy is set to improve next year, there is a warning things are likely to remain difficult for applicants for some time yet - and more people may choose to move offshore in their search for work. Shay Peters, chief executive of recruitment firm Robert Walters, said there had been significant numbers of New Zealanders looking for job opportunities in other countries in recent times - and that was likely to continue, at least in the short-term. "It's no secret that the job market in New Zealand is pretty dire currently. The fact of the matter is, there just aren't enough job prospects and opportunities to keep people here. As a result, we have observed a significant rise in the number of Kiwi applicants looking to relocate, particularly to Australia ." He said the firm's Australian offices had seen an unprecedented number of applicants from New Zealand enquiring about Australian job openings. He said that was likely to continue, and potentially intensify in the coming year. "The lack of opportunities and inadequate salaries in New Zealand are driving people to seek employment overseas. This is a concerning trend which could impact the country for many years, as it stands to lose a substantial number of highly skilled individuals, potentially for the long-term." Seek said while demand for most roles had declined over 2024, there were some that had bucked the trend. "Aged and disabled carer is one such role where ads have grown since pre-Covid and have been relatively stable in recent years. There is also still demand across information technology roles, such as programmers and systems analysts, although demand has softened notably from very high levels in recent years." Mike Jones, chief economist at BNZ, said the difficult labour market conditions were likely to extend well into 2026. "We think the unemployment rate has further to climb and might peak at just under 5.5 percent around the middle of the year." He said there were signs that the drops in job advertisements were starting to stabilise, albeit at a very low level. "Firms' surveyed employment intentions for next year have turned more positive and some of the more-timely economic indicators suggest the worst for the economy might be passing. But all of these things will take some time to feed through into firms' decisions about staffing and hiring. We've seen in past cycles the labour market tends to lag broader economic trends. "So I think for at least the first half of next year we're going to see employment remain under downward pressure, wage growth continuing to soften, and labour market conditions generally weaken a little more." Miles Workman, a senior economist at ANZ, agreed the labour market would lag the economic cycle. He expected a similar peak in unemployment, but said the rate should fall by the end of the year. "For jobseekers, the first half of 2025 is looking like it'll be tough going, but there is light at the end of the tunnel given the economy is turning a corner. "But it won't be a uniform recovery by industry. The most interest-rate sensitive pockets of the economy - private sector construction, non-food manufacturing, retail trade - should see the fastest recovery as interest rates become less of a handbrake." Sign up for Ngā Pitopito Kōrero, a daily newsletter curated by our editors and delivered straight to your inbox every weekday.
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