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online games y8 Renuka Rayasam | (TNS) KFF Health News In April, just 12 weeks into her pregnancy, Kathleen Clark was standing at the receptionist window of her OB-GYN’s office when she was asked to pay $960, the total the office estimated she would owe after she delivered. Clark, 39, was shocked that she was asked to pay that amount during this second prenatal visit. Normally, patients receive the bill after insurance has paid its part, and for pregnant women that’s usually only when the pregnancy ends. It would be months before the office filed the claim with her health insurer. Clark said she felt stuck. The Cleveland, Tennessee, obstetrics practice was affiliated with a birthing center where she wanted to deliver. Plus, she and her husband had been wanting to have a baby for a long time. And Clark was emotional, because just weeks earlier her mother had died. “You’re standing there at the window, and there’s people all around, and you’re trying to be really nice,” recalled Clark, through tears. “So, I paid it.” On online baby message boards and other social media forums , pregnant women say they are being asked by their providers to pay out-of-pocket fees earlier than expected. The practice is legal, but patient advocacy groups call it unethical. Medical providers argue that asking for payment up front ensures they get compensated for their services. How frequently this happens is hard to track because it is considered a private transaction between the provider and the patient. Therefore, the payments are not recorded in insurance claims data and are not studied by researchers. Patients, medical billing experts, and patient advocates say the billing practice causes unexpected anxiety at a time of already heightened stress and financial pressure. Estimates can sometimes be higher than what a patient might ultimately owe and force people to fight for refunds if they miscarry or the amount paid was higher than the final bill. Up-front payments also create hurdles for women who may want to switch providers if they are unhappy with their care. In some cases, they may cause women to forgo prenatal care altogether, especially in places where few other maternity care options exist. It’s “holding their treatment hostage,” said Caitlin Donovan, a senior director at the Patient Advocate Foundation . Medical billing and women’s health experts believe OB-GYN offices adopted the practice to manage the high cost of maternity care and the way it is billed for in the U.S. When a pregnancy ends, OB-GYNs typically file a single insurance claim for routine prenatal care, labor, delivery, and, often, postpartum care. That practice of bundling all maternity care into one billing code began three decades ago, said Lisa Satterfield, senior director of health and payment policy at the American College of Obstetricians and Gynecologists . But such bundled billing has become outdated, she said. Previously, pregnant patients had been subject to copayments for each prenatal visit, which might lead them to skip crucial appointments to save money. But the Affordable Care Act now requires all commercial insurers to fully cover certain prenatal services. Plus, it’s become more common for pregnant women to switch providers, or have different providers handle prenatal care, labor, and delivery — especially in rural areas where patient transfers are common. Some providers say prepayments allow them to spread out one-time payments over the course of the pregnancy to ensure that they are compensated for the care they do provide, even if they don’t ultimately deliver the baby. “You have people who, unfortunately, are not getting paid for the work that they do,” said Pamela Boatner, who works as a midwife in a Georgia hospital. While she believes women should receive pregnancy care regardless of their ability to pay, she also understands that some providers want to make sure their bill isn’t ignored after the baby is delivered. New parents might be overloaded with hospital bills and the costs of caring for a new child, and they may lack income if a parent isn’t working, Boatner said. In the U.S., having a baby can be expensive. People who obtain health insurance through large employers pay an average of nearly $3,000 out-of-pocket for pregnancy, childbirth, and postpartum care, according to the Peterson-KFF Health System Tracker . In addition, many people are opting for high-deductible health insurance plans, leaving them to shoulder a larger share of the costs. Of the 100 million U.S. people with health care debt, 12% attribute at least some of it to maternity care, according to a 2022 KFF poll . Families need time to save money for the high costs of pregnancy, childbirth, and child care, especially if they lack paid maternity leave, said Joy Burkhard , CEO of the Policy Center for Maternal Mental Health, a Los Angeles-based policy think tank. Asking them to prepay “is another gut punch,” she said. “What if you don’t have the money? Do you put it on credit cards and hope your credit card goes through?” Calculating the final costs of childbirth depends on multiple factors, such as the timing of the pregnancy , plan benefits, and health complications, said Erin Duffy , a health policy researcher at the University of Southern California’s Schaeffer Center for Health Policy and Economics. The final bill for the patient is unclear until a health plan decides how much of the claim it will cover, she said. But sometimes the option to wait for the insurer is taken away. During Jamie Daw’s first pregnancy in 2020, her OB-GYN accepted her refusal to pay in advance because Daw wanted to see the final bill. But in 2023, during her second pregnancy, a private midwifery practice in New York told her that since she had a high-deductible plan, it was mandatory to pay $2,000 spread out with monthly payments. Daw, a health policy researcher at Columbia University, delivered in September 2023 and got a refund check that November for $640 to cover the difference between the estimate and the final bill. “I study health insurance,” she said. “But, as most of us know, it’s so complicated when you’re really living it.” While the Affordable Care Act requires insurers to cover some prenatal services, it doesn’t prohibit providers from sending their final bill to patients early. It would be a challenge politically and practically for state and federal governments to attempt to regulate the timing of the payment request, said Sabrina Corlette , a co-director of the Center on Health Insurance Reforms at Georgetown University. Medical lobbying groups are powerful and contracts between insurers and medical providers are proprietary. Because of the legal gray area, Lacy Marshall , an insurance broker at Rapha Health and Life in Texas, advises clients to ask their insurer if they can refuse to prepay their deductible. Some insurance plans prohibit providers in their network from requiring payment up front. If the insurer says they can refuse to pay up front, Marshall said, she tells clients to get established with a practice before declining to pay, so that the provider can’t refuse treatment. Related Articles Health | Which health insurance plan may be right for you? Health | Your cool black kitchenware could be slowly poisoning you, study says. Here’s what to do Health | Does fluoride cause cancer, IQ loss, and more? Fact-checking Robert F. Kennedy Jr.’s claims Health | US towns plunge into debates about fluoride in water Health | Older Americans living alone often rely on neighbors or others willing to help Clark said she met her insurance deductible after paying for genetic testing, extra ultrasounds, and other services out of her health care flexible spending account. Then she called her OB-GYN’s office and asked for a refund. “I got my spine back,” said Clark, who had previously worked at a health insurer and a medical office. She got an initial check for about half the $960 she originally paid. In August, Clark was sent to the hospital after her blood pressure spiked. A high-risk pregnancy specialist — not her original OB-GYN practice — delivered her son, Peter, prematurely via emergency cesarean section at 30 weeks. It was only after she resolved most of the bills from the delivery that she received the rest of her refund from the other OB-GYN practice. This final check came in October, just days after Clark brought Peter home from the hospital, and after multiple calls to the office. She said it all added stress to an already stressful period. “Why am I having to pay the price as a patient?” she said. “I’m just trying to have a baby.” ©2024 KFF Health News. Distributed by Tribune Content Agency, LLC.Retailers coax Black Friday shoppers into stores with big discounts and giveaways NEW YORK (AP) — Retailers in the U.S. have used giveaways and bigger-than expected discounts to reward shoppers who ventured out on Black Friday. The day after Thanksgiving still reigns for now as the unofficial kickoff of the holiday shopping season even if it’s lost some luster. Analysts reported seeing the biggest crowds at stores that offered real savings. They say many shoppers are being cautious with their discretionary spending despite the easing of inflation. Stores are even more under the gun to get shoppers in to buy early and in bulk since there are five fewer days between Thanksgiving and Christmas this year. Online sales figures from Thanksgiving Day gave retailers a reason to remain hopeful for a lucrative end to the year. Southwest Airlines says it is ending cabin service earlier to reduce chance of injury Southwest Airlines is ending its cabin service earlier starting next month. Beginning on Dec. 4, a company spokesperson says flight attendants will begin preparing the cabin for landing at an altitude of 18,000 feet instead of 10,000 feet. The company says it's making the changes to reduce the risk of in-flight turbulence injuries. For passengers, that means they will need to return their seats to an upright position or do other pre-landing procedures earlier than before. While turbulence-related fatalities are quite rare, injuries have piled up over the years. Why your favorite catalogs are smaller this holiday season PORTLAND, Maine (AP) — While retailers hope to go big this holiday season, customers may notice that the catalogs arriving in their mailboxes are smaller. Many of the millions of catalogs getting sent to U.S. homes were scaled down to save on postage and paper. Some gift purveyors are sending out postcards. In a sign of the times, the American Catalog Mailers Association rebranded itself in May as the American Commerce Marketing Association. Despite no longer carrying an extended inventory of goods, industry experts say catalogs help retailers cut through the noise and still hold their own in value because of growing digital advertising costs. Canada's Trudeau says he had an 'excellent conversation' with Trump in Florida after tariffs threat WEST PALM BEACH, Fla. (AP) — Canadian Prime Minister Justin Trudeau says he had an “excellent conversation” with Donald Trump in Florida after the president-elect’s threat to impose significant tariffs on two of America’s leading trade partners raised alarms in Ottawa and Mexico City. It's unclear, as Trudeau headed back to Canada on Saturday, whether the conversation had alleviated Trump’s concerns. Trump’s transition team hasn't responded to questions about what the leaders had discussed at their dinner Friday night at Trump's Mar-a-Lago club. The Republican president-elect has threatened to impose tariffs on products from Canada and Mexico if the countries don’t stop what he said was the flow of drugs and migrants across their borders. Trump and Republicans in Congress eye an ambitious 100-day agenda, starting with tax cuts WASHINGTON (AP) — Republicans swept to power on Election Day and now control the House, the Senate and the White House, with plans for an ambitious 100-day agenda come January. Their to-do list includes extending tax breaks, cutting social programs, building the border wall to stop immigration and rolling back President Joe Biden's green energy policies. Atop that list is a plan to renew some $4 trillion in expiring tax cuts that were a signature domestic achievement of Republican Donald Trump’s first term as president. It's an issue that may define his return to the White House. The ruble's in a slump. For the Kremlin, that's a two-edged sword Russia’s ruble is sagging against other currencies, complicating the Kremlin’s efforts to keep consumer inflation under control with one hand even as it overheats the economy with spending on the war against Ukraine with the other. Over time a weaker ruble could mean higher prices for imports from China, Russia's main trade partner these days. President Vladimir Putin says things are under control. One wild card is sanctions against a key Russian bank that have disrupted foreign trade payments. If Russia finds a workaround for that, the ruble could regain some of its recent losses. Iceland votes for a new parliament after political disagreements force an early election REYKJAVIK, Iceland (AP) — Icelanders are electing a new parliament after disagreements over immigration, energy policy and the economy forced Prime Minister Bjarni Benediktsson to pull the plug on his coalition government and call early elections. This will be Iceland’s sixth general election since the 2008 financial crisis devastated the economy of the North Atlantic island nation and ushered in a new era of political instability. Opinion polls suggest the country may be in for another upheaval, with support for the three governing parties plunging. Benediktsson, who was named prime minister in April following the resignation of his predecessor, struggled to hold together the unlikely coalition of his conservative Independence Party with the centrist Progressive Party and the Left-Green Movement. Massachusetts lawmakers push for an effort to ban all tobacco sales over time BOSTON (AP) — A handful of Massachusetts lawmakers are hoping to persuade their colleagues to support a proposal that would make the state the first to adopt a ban meant to eliminate the use of tobacco products over time. Other locations have weighed similar “generational tobacco bans.” The bans phase out the use of tobacco products based not just on a person's age but on birth year. Lawmakers plan to file the proposal next year. If approved, the bill would set a date and ban the sale of tobacco to anyone born after that date forever, eventually banning all sales. Vietnam approves $67 billion high-speed railway project between Hanoi and Ho Chi Minh city HANOI, Vietnam (AP) — Vietnam has approved the construction of a high-speed railway connecting the capital Hanoi in the north with the financial capital of Ho Chi Minh in the south. It is expected to cost $67 billion and will stretch 1,541 kilometers (957 miles). The new train is expected to travel at speeds of up to 350 kph (217 mph), reducing the journey from the current 30 hours to just five hours. The decision was taken by Vietnam’s National Assembly on Saturday. Construction is expected to begin in 2027 and Vietnam hopes that the first trains will start operating by 2035. But the country has been beleaguered by delays to its previous infrastructure projects. Inflation rose to 2.3% in Europe. That won't stop the central bank from cutting interest rates FRANKFURT, Germany (AP) — Inflation in the 20 countries that use the euro currency rose in November — but that likely won’t stop the European Central Bank from cutting interest rates as the prospect of new U.S. tariffs from the incoming Trump administration adds to the gloom over weak growth. The European Union’s harmonized index of consumer prices rose 2.3 percent, up from 2.0% in October, according to EU statistics agency Eurostat. However, worries about growth mean the Dec. 12 ECB meeting is not about whether to cut rates, but by how much. Market buzz says there could be a larger than usual half-point cut in the benchmark rate, currently 3.25%.

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‘An existential battle’: how Trump’s win is shifting the US media landscapeTrump appoints longtime foreign policy adviser Richard Grenell to serve as special missions envoyAs Christmas is soon approaching and festive adverts dominate our screens, there’s an additional process shaping the holiday magic: artificial intelligence. AI is altering how brands connect with audiences, from crafting personalized stories to powerful visuals. Ben Clayton, CEO of Media Medic and an expert in forensic audio and video analysis, has been analysing how AI has infiltrated Christmas this year, and what this means for consumers and brands alike. He outlines the main themes to Digital Journal. AI and Christmas, it’s a mixed bag “AI is everywhere right now, and the holiday season is no exception. AI makes things slicker, more engaging, and, let’s be honest, a bit magical. Whether it’s creating picture-perfect turkey dinners for food brands or those super cute CGI characters in adverts, it’s impressive stuff. It’s a massive win for creativity and efficiency,” Clayton explains. Clayton continues: “But, there’s always a but, there’s something to be said for the human touch. AI can create incredible visuals and heartwarming stories, but it doesn’t always capture the true essence of the holidays. AI is great at spreading festive vibes far and wide, but what happens when everything starts to feel algorithm-driven? Will people still feel the magic if they know their favourite ad was written by a machine? Or if that heartfelt message came from a data set?’’ Clayton’s research identifies the industries that are exploiting AI most greatly: Top 10 Industries during Christmas and Holiday season with the highest AI adoption rates E-commerce Leads the Pack : With 81 percent AI adoption, this sector dominates holiday sales, driven by personalized ads, product recommendations, and optimized logistics. In second place is Electronics and Retail . Both industries heavily rely on AI for product showcases, inventory management, and tailored promotions, ensuring customer engagement during the holiday rush. Third spot is occupied by Entertainment and Toys . While these sectors utilize AI for content curation and marketing, their adoption rates are slightly lower due to traditional creative processes and manufacturing timelines. Clayton has also tracked which forms of marketing and advertising have been most greatly influenced by artificial intelligence. Top 20 Christmas Campaigns Ranked by AI Use The top 20 advertising campaigns with the highest AI uses: The darker side of AI during the holidays Clayton also warns of how AI can be abused: “You know, it’s easy to get caught up in the magic of what AI can do, especially at Christmas, but there’s a flip side we can’t ignore. If someone wanted to use AI or deepfakes to spread misinformation or stir up trouble, it could seriously mess with the trust and joy that define this time of year.’’ As an example, Clayton draws on: “Imagine a fake ad circulating online showing a beloved brand saying or doing something controversial, it could tank their reputation in hours. The problem is, deepfakes are getting scarily convincing. AI-generated voices and videos can look and sound so real that even a savvy viewer might struggle to tell the difference. And when it’s done maliciously, it’s not just about ruining holiday cheer, it can undermine trust in media altogether.’’ Dr. Tim Sandle is Digital Journal's Editor-at-Large for science news.Tim specializes in science, technology, environmental, business, and health journalism. He is additionally a practising microbiologist; and an author. He is also interested in history, politics and current affairs.

CNBC Daily Open: The perils of market predictionsRetailers coax Black Friday shoppers into stores with big discounts and giveaways NEW YORK (AP) — Retailers in the U.S. have used giveaways and bigger-than expected discounts to reward shoppers who ventured out on Black Friday. The day after Thanksgiving still reigns for now as the unofficial kickoff of the holiday shopping season even if it’s lost some luster. Analysts reported seeing the biggest crowds at stores that offered real savings. They say many shoppers are being cautious with their discretionary spending despite the easing of inflation. Stores are even more under the gun to get shoppers in to buy early and in bulk since there are five fewer days between Thanksgiving and Christmas this year. Online sales figures from Thanksgiving Day gave retailers a reason to remain hopeful for a lucrative end to the year. Southwest Airlines says it is ending cabin service earlier to reduce chance of injury Southwest Airlines is ending its cabin service earlier starting next month. Beginning on Dec. 4, a company spokesperson says flight attendants will begin preparing the cabin for landing at an altitude of 18,000 feet instead of 10,000 feet. The company says it's making the changes to reduce the risk of in-flight turbulence injuries. For passengers, that means they will need to return their seats to an upright position or do other pre-landing procedures earlier than before. While turbulence-related fatalities are quite rare, injuries have piled up over the years. Why your favorite catalogs are smaller this holiday season PORTLAND, Maine (AP) — While retailers hope to go big this holiday season, customers may notice that the catalogs arriving in their mailboxes are smaller. Many of the millions of catalogs getting sent to U.S. homes were scaled down to save on postage and paper. Some gift purveyors are sending out postcards. In a sign of the times, the American Catalog Mailers Association rebranded itself in May as the American Commerce Marketing Association. Despite no longer carrying an extended inventory of goods, industry experts say catalogs help retailers cut through the noise and still hold their own in value because of growing digital advertising costs. Canada's Trudeau says he had an 'excellent conversation' with Trump in Florida after tariffs threat WEST PALM BEACH, Fla. (AP) — Canadian Prime Minister Justin Trudeau says he had an “excellent conversation” with Donald Trump in Florida after the president-elect’s threat to impose significant tariffs on two of America’s leading trade partners raised alarms in Ottawa and Mexico City. It's unclear, as Trudeau headed back to Canada on Saturday, whether the conversation had alleviated Trump’s concerns. Trump’s transition team hasn't responded to questions about what the leaders had discussed at their dinner Friday night at Trump's Mar-a-Lago club. The Republican president-elect has threatened to impose tariffs on products from Canada and Mexico if the countries don’t stop what he said was the flow of drugs and migrants across their borders. Trump and Republicans in Congress eye an ambitious 100-day agenda, starting with tax cuts WASHINGTON (AP) — Republicans swept to power on Election Day and now control the House, the Senate and the White House, with plans for an ambitious 100-day agenda come January. Their to-do list includes extending tax breaks, cutting social programs, building the border wall to stop immigration and rolling back President Joe Biden's green energy policies. Atop that list is a plan to renew some $4 trillion in expiring tax cuts that were a signature domestic achievement of Republican Donald Trump’s first term as president. It's an issue that may define his return to the White House. The ruble's in a slump. For the Kremlin, that's a two-edged sword Russia’s ruble is sagging against other currencies, complicating the Kremlin’s efforts to keep consumer inflation under control with one hand even as it overheats the economy with spending on the war against Ukraine with the other. Over time a weaker ruble could mean higher prices for imports from China, Russia's main trade partner these days. President Vladimir Putin says things are under control. One wild card is sanctions against a key Russian bank that have disrupted foreign trade payments. If Russia finds a workaround for that, the ruble could regain some of its recent losses. Iceland votes for a new parliament after political disagreements force an early election REYKJAVIK, Iceland (AP) — Icelanders are electing a new parliament after disagreements over immigration, energy policy and the economy forced Prime Minister Bjarni Benediktsson to pull the plug on his coalition government and call early elections. This will be Iceland’s sixth general election since the 2008 financial crisis devastated the economy of the North Atlantic island nation and ushered in a new era of political instability. Opinion polls suggest the country may be in for another upheaval, with support for the three governing parties plunging. Benediktsson, who was named prime minister in April following the resignation of his predecessor, struggled to hold together the unlikely coalition of his conservative Independence Party with the centrist Progressive Party and the Left-Green Movement. Massachusetts lawmakers push for an effort to ban all tobacco sales over time BOSTON (AP) — A handful of Massachusetts lawmakers are hoping to persuade their colleagues to support a proposal that would make the state the first to adopt a ban meant to eliminate the use of tobacco products over time. Other locations have weighed similar “generational tobacco bans.” The bans phase out the use of tobacco products based not just on a person's age but on birth year. Lawmakers plan to file the proposal next year. If approved, the bill would set a date and ban the sale of tobacco to anyone born after that date forever, eventually banning all sales. Vietnam approves $67 billion high-speed railway project between Hanoi and Ho Chi Minh city HANOI, Vietnam (AP) — Vietnam has approved the construction of a high-speed railway connecting the capital Hanoi in the north with the financial capital of Ho Chi Minh in the south. It is expected to cost $67 billion and will stretch 1,541 kilometers (957 miles). The new train is expected to travel at speeds of up to 350 kph (217 mph), reducing the journey from the current 30 hours to just five hours. The decision was taken by Vietnam’s National Assembly on Saturday. Construction is expected to begin in 2027 and Vietnam hopes that the first trains will start operating by 2035. But the country has been beleaguered by delays to its previous infrastructure projects. Inflation rose to 2.3% in Europe. That won't stop the central bank from cutting interest rates FRANKFURT, Germany (AP) — Inflation in the 20 countries that use the euro currency rose in November — but that likely won’t stop the European Central Bank from cutting interest rates as the prospect of new U.S. tariffs from the incoming Trump administration adds to the gloom over weak growth. The European Union’s harmonized index of consumer prices rose 2.3 percent, up from 2.0% in October, according to EU statistics agency Eurostat. However, worries about growth mean the Dec. 12 ECB meeting is not about whether to cut rates, but by how much. Market buzz says there could be a larger than usual half-point cut in the benchmark rate, currently 3.25%.

Number of women who are state lawmakers inches up to a record highBy Rita Okoye Liberian -born Nollywood actress, Chichi Neblett, renowned for her captivating beauty and sensual style, has always been a popular figure on Instagram. In a recent interview with Sunday Sun, the single mother of one opened up about her experiences, including how she navigates her interactions with male fans, the challenges of filming in Nigeria, and other aspects of her career. Excerpts: How would you rate this outgoing year? It has been good. My God has been faithful to me. Your face is scarce on the screen, any plans to go into movie production? I produced a movie once, and my experience wasn’t too cool because I didn’t know my way through the market, and it was not advisable. Most of the time, I feel like I should try again, but something keeps holding me back. Maybe, I will just do that someday soon. What do you think you are missing since you took a break from acting? I am not missing much. I am happy doing what I am doing at the moment, so if the roles are not coming at least there’s something I am doing. Although, I’ve gotten some calls from producers in Nigeria, but the timing is always wrong. Anytime I travel out of Africa, that is when I get messages to come to Nigeria to shoot. Then, sometimes too it’s either you come by buying your ticket and the rest would be taken care of. Which is not always cool (laughs) . What other businesses have you ventured into? I influence for a couple of brands, and I sell clothes as well, which enables me not to go out of cash at all. Brand Influencing and movies, which pays better? Speaking for myself, the brand influencing pays better because acting is not paying me. If you weren’t a social media influencer/actress what other career path do you think you might have pursued? Trust me I think I am in the right field. I am sure it was meant for me. You flaunt a very beautiful, flawless skin, do you have your personal skincare products? I influence for a credible brand called Reggy Truevine Health n Beauti. They supply me and I get to enjoy the products on my skin. Do you have any plans of venturing into the skincare business? Hopefully. But for now, I’ve plans to start a clothing line. God will make it possible, I am sure. Your proposed clothing line, is it going to be unisex or just female? For a start, I will do just female. What’s the inspiration behind your fashion sense? The truth is, I always look out for the type of clothes I wear. I look at my body stature before wearing any clothe. Most people don’t look at that. They wear anything because it’s in vogue. You have to know your body type and what looks good on you before jumping into any outfits, and that’s what I do. How do you deal with male admirers, especially those online? Hahahaha, I am even tired of them. I don’t pay attention to them. Sometimes, when I am bored and have nothing to do, I go through my DMs, and it’s crazy. I just read and laugh. Sometimes, I respond, and sometimes, I just pass. But it feels good getting people to admire you. So, I just enjoy the fun that comes with it. What’s the craziest DM gotten? He wrote, “Choose any country of your choice, business class to anywhere you want us to meet.” I just laughed it off because I knew I was going nowhere with him. How about physically? Men must be drooling over you. How do you wade them off and control the situation? I hardly go out. I am an indoor person, but whenever I step out and get out of my car, men will keep staring and drooling. But, I will keep a straight face. This will make them see me as a mean and unapproachable woman. With my mean face, they will lack the courage to come closer. They don’t know that I am a very shy person, but I always keep my face straight. Some will summon courage and enter my DM to start a chat. Don’t you think that you are too beautiful to keep a mean face? Hahaha, Sis, I can keep face for Africa oh. It’s out of shyness. Looking back on your journey, is there anything you would have done differently? Well, looking back on my journey, maybe there are some things I did which weren’t okay, which I could turn around the hands of time, but if the chance is given, I would have done better, but it’s in the past, and I know better now that’s all I can say.

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