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Share Tweet Share Share Email Financial empowerment remains a critical challenge for many communities. Traditional banking systems often exclude those in low-income brackets, leaving them without access to basic savings and credit services. However, a grassroots solution has emerged to address this gap: social micro-savings groups. These community-based initiatives bring people together to collectively save money and work toward shared financial goals, proving that unity can drive transformative change . Understanding Social Micro-Savings Groups Social micro-savings groups are informal collectives where members pool their savings. These groups are typically composed of individuals from similar socioeconomic backgrounds, often within the same community. Members contribute small amounts of money regularly, creating a shared fund. This pool of resources can be used to provide loans, support emergencies, or invest in shared projects. Unlike formal financial institutions, these groups operate on mutual trust and transparency. They have minimal overhead costs, making them accessible to people who might otherwise be excluded from traditional banking systems. Additionally, they foster a sense of ownership and accountability, as each member has a direct stake in the group’s success. Core Principles of Micro-Savings Groups Collective Responsibility: Each member contributes to and benefits from the group’s resources. This shared accountability ensures the system remains functional. Transparency: Regular meetings and clear documentation maintain trust among members. Flexibility: Contributions are tailored to suit the financial capabilities of members. Inclusivity: Groups often prioritize marginalized individuals, including women and rural populations. Benefits of Micro-Savings Groups Financial Inclusion For many individuals, access to formal banking services is a distant dream due to high fees, stringent requirements, or geographic barriers. Micro-savings groups bridge this gap by providing a simple, accessible platform for saving money and accessing credit. Members can build financial resilience without navigating the complexities of traditional banking. Empowerment Through Community Being part of a micro-savings group fosters a sense of belonging and mutual support. Members often share knowledge, skills, and resources, creating a supportive network. This collective strength enables individuals to pursue financial goals they might not achieve alone. Encouraging Savings Habits Saving money can be challenging, especially for those living paycheck to paycheck. Micro-savings groups instill discipline by requiring regular contributions. Over time, members develop a habit of saving, which can lead to greater financial stability. Access to Credit In emergencies or for investment purposes, accessing loans can be crucial. Micro-savings groups offer an alternative to predatory lenders by providing low-interest loans from the shared fund. This system ensures that financial assistance remains affordable and within the community. How Micro-Savings Groups Operate Formation and Membership Groups usually form organically, with members coming together based on mutual trust. Ideal group sizes range from 10 to 25 members, ensuring manageability while fostering a sense of community. Once formed, members establish rules, including contribution amounts, meeting schedules, and loan terms. Contribution and Savings Members contribute fixed amounts at regular intervals, such as weekly or monthly. These contributions are recorded meticulously to ensure transparency. The accumulated savings create a fund that members can borrow from as needed. Loan Disbursement and Repayment Loans are granted based on group consensus, with clear repayment terms and minimal interest rates. Members are motivated to repay loans promptly, as the fund’s sustainability depends on it. Default rates are typically low due to the high level of trust within the group. Profit Sharing At the end of a savings cycle, often a year, the group distributes the accumulated savings and any profits from loan interest among members. This payout serves as a tangible reward for collective effort and financial discipline. The Role of Women in Micro-Savings Groups Women play a pivotal role in the success of micro-savings groups. In many communities, they are the primary caretakers and financial planners. By participating in these groups, women gain access to resources that can improve their families’ well-being. Micro-savings groups also provide a platform for women to develop leadership skills. As treasurers, secretaries, or chairpersons, they gain experience in financial management and decision-making. This empowerment extends beyond the group, enabling women to take on more active roles in their communities. Challenges and Solutions Lack of Financial Literacy Many participants may have limited knowledge of financial management, which can hinder the group’s effectiveness. Regular training sessions on budgeting, saving, and record-keeping can address this issue. Trust Issues Trust is the foundation of micro-savings groups. Any breach, such as mismanagement of funds, can jeopardize the group’s stability. To prevent this, members should establish clear rules and accountability mechanisms. Limited Funds The small contributions of members may not always meet the group’s financial needs. Partnering with NGOs or local governments can provide additional resources and support. Examples of Successful Micro-Savings Initiatives Village Savings and Loan Associations (VSLAs) VSLAs are a popular model of micro-savings groups, particularly in Africa. These groups have helped thousands of rural families access financial services, invest in businesses, and improve their quality of life. Self-Help Groups (SHGs) in India SHGs empower women in rural areas by providing them with access to savings and credit. These groups have significantly contributed to poverty reduction and women’s empowerment. Rotating Savings and Credit Associations (ROSCAs) ROSCAs operate on a rotating basis, where each member receives the entire savings pool at a predetermined time. This system is simple yet effective in addressing immediate financial needs. The Future of Micro-Savings Groups As technology advances, micro-savings groups are evolving. Digital platforms and mobile banking are making it easier for groups to manage their funds and expand their reach. Apps designed specifically for savings groups can facilitate record-keeping, enhance transparency, and connect members with additional financial services. Moreover, partnerships with microfinance institutions and NGOs can amplify the impact of these groups, providing them with access to training, funding, and resources. By leveraging technology and collaboration, micro-savings groups can continue to thrive and empower more communities. Conclusion Social micro-savings groups are a testament to the power of collective effort. By pooling resources and working together, individuals can overcome financial barriers and achieve their dreams. These groups not only provide practical financial solutions but also foster a sense of community and empowerment. As they continue to grow and evolve, micro-savings groups have the potential to transform countless lives, proving that unity truly is strength . Related Items: Share Tweet Share Share Email Comments

Though military aircraft are designed to serve a range of roles, from troop and equipment transport to air-to-ground assaults and surveillance duties, all of these duties become harder to perform without hard-fought air superiority. In this regard, the backbone of an air force may be considered to be the deadliest fighter jets. The U.S. Air Force's iconic F-15 family dates back to the late 1960s, and they're formidable examples of just that. The original F-15 was designed by McDonnell Douglas in 1969, with the Air Force clamoring for a potent fighter model that could rival the MiG-25 Foxbat, a fearsome new Soviet fighter jet . It seems clear that this was the right aircraft for the job, and the right company to develop it. In 1997, Capt. David R. King and Donald S. Massey wrote in Maquette University's "History of the F-15 Program: A Silver Anniversary First Flight Remembrance" that the F-15 project was "one of the most successful aircraft development and procurement programs in Air Force history." 1997 was also the year of McDonnell-Douglas' merging with Boeing. As such, the legacy F-15 and some variants were developed by the former, while sophisticated modern variants like the F-15EX Eagle II are designed under the Boeing banner. To learn more about this formidable aircraft, we'll see where it's manufactured and who develops it. In April 2021, the official unveiling and naming ceremony for the F-15EX took place. The setting was Eglin Air Force Base in Okaloosa County, Florida At the event, the Air Force made it very clear that this breakthrough model was a Boeing creation. As Office of the Assistant Secretary of the Air Force for the Acquisition, Technology Logistics Military Deputy Lt. Gen. Duke Richardson put it in a Boeing press release, "We aggressively worked with Boeing to accelerate the delivery of two F-15EX aircraft from the normal 39-month lead time to just nine months after contract award." The first F-15EX model made its flight debut that February, and Boeing boasted the aircraft's potential. The company's F-15 program manager and vice president Prat Kumar said in a release , "Our workforce is excited to build a modern fighter aircraft for the U.S. Air Force," highlighting key aspects of the new model that set it apart from prior members of the advanced F-15 family. These include the Eagle Passive/Active Warning and Survivability System, a fully-featured and highly sophisticated electronic warfare suite developed by BAE Systems (also made for the F-15E Strike Eagle). Boeing lists the F-15EX among its extensive and varied defense portfolio, which includes such military mainstays as the iconic mainstay that is the B-52 bomber , the training aircraft T-7A Red Hawk, the C-H47 Chinook helicopter, and the legendary Air Force One itself. The F-15, in short, is a model that has proven, and continues to be, highly desirable. It has evolved in countless ways since the first iteration, from the improvements in maximum takeoff weight and fuel capacity that the F-15C (pictured here) and D variants represented to the APG-82 AESA radar and 29,500 lb weapon payload boost of the EX Eagle II. In another sense, though, the F-15 really hasn't come very far at all. Original manufacturer McDonnell Douglas developed the F-15A at its facility in Missouri's St. Louis, where its headquarters were also found. Decades later, now under the Boeing banner, the F-15EX Eagle II continues to be developed in the area. Boeing has a heavy presence in Missouri, with an F-15 facility in the north of Saint Louis county. This facility is at the heart of the construction of the model. When the Oregon Air National Guard received Boeing's very first configured and prepared EX Eagle II, it made the journey to the Portland Air National Guard Base from its birthplace, the St. Louis facility. Aside from the factory where the EX Eagle II is built, the region is also home to some other Boeing facilities that are of vital importance to the development of the wider F-15 family. The former GKN Aerospace St. Louis was purchased by Boeing in April 2024, to continue developing components for the broader F-15 program as well as for the F/A-18 Hornet project. With a history spanning over fifty years, the broader F-15 family has carved itself a fearsome reputation as one of the most formidable and popular fighter jets in the world. Some U.S. allies have a surprising amount of F-15s in their military inventories , and modernization programs are keeping some of those models that came before the F-15EX fighting fit. In November 2024, Defense News reported that South Korea's F-15K jets (of which it has a fleet of 59) were being prepared to be outfitted with advanced new equipment including AN/AAR-57s, new radar technology and more, a project slated to cost a cool $6.2 billion. That same month, Israel acquired a deal for a total of 24 F-15EX Eagle IIs (Israel's variant is known as the F-15IA), at a cost of $5.2 billion. The National Interest reported the Israeli Ministry of Defense said through "the integration of state-of-the-art Israeli technologies," the aircraft "will enable the Israeli Air Force to maintain its strategic superiority in addressing current and future challenges in the Middle East." It's certainly possible, then, for legacy models to continue to excel. Nonetheless, the EX Eagle II was designed to, where possible and over time, displace those older models. The Oregon Air National Guard wing that was the very first to receive the new model saw it as a potential upgrade to its long-serving fleet of F-15C Eagles. The dominance of the F-15 family continues.

Nuclear waste: What is it and how do we dispose of it?BY BUFFALO NEXT STAFF Dec. 12, 2024 What to know about the week ahead Family Promise of Western New York , the nonprofit organization that operates one of only two emergency shelters in Erie County for families experiencing homelessness, is bringing its proposal for a second location to the Buffalo Planning Board and Buffalo Zoning Board of Appeals next week, according to an application submitted to the city. A rendering of the proposed new Family Promise shelter on East Ferry Street that would serve up to eight families at a time. The agency, an affiliate of the national Family Promise organization, serves up to six families at a time at its current location on Hickory Street, and helped 39 families and 198 individuals in its 2023 fiscal year with housing and support services to get back on their feet. But officials have noted that more than 100 families are living in motels waiting for a shelter space, and county officials asked it to do more. Plans for the $6.8 million project envision a similar-sized facility for up to eight families at a time, to be located on a 0.6-acre property that includes city-owned parcels at 229, 235, 239, 245 and 247 E. Ferry St. and 130 and 134 Welker St. The 19,165-square-foot facility will consist of a one-story residential wing on the east side and a two-story common area and staff wing on the west. It will contain 40 beds in eight family rooms sized for families of four or six people, but linked together by hotel-style inner doors so that rooms can be combined to house families of seven to 10 if needed. A second rendering of the proposed new Family Promise family shelter. It will also include laundry and residential kitchen facilities , along with a small communal kitchen. Support services will include trauma-informed care, first aid, conflict resolution and de-escalation, as well as health screenings, mental health assessments, and links to community resources as needed. Family Promise also hopes to partner with FeedMore of WNY. The floor plan of the proposed new Family Promise family shelter. The nonprofit agency is seeking major site plan approval, four zoning variances, minor subdivision to combine lots and a special-use permit to operate as a shelter instead of just as a group home, which would otherwise be permitted. The Planning Board meets Monday, while ZBA meets Wednesday. Additionally, the board will review a proposal by Bison Fleet Services to expand its operation at 1615 William St., by demolishing an existing 4,000-square-foot warehouse while also proposing an 8,720-square-foot addition with a corrugated metal facade to the existing 10,700-square-foot motor modification center, behind a smaller existing 2,242-square-foot two-story office building. The $2.2 million vehicle repair garage project, to be built on the 1.3-acre light industrial site, will take about nine to 10 months. The Planning Board will also review applications for: Evans Bank shareholders will vote next Friday on whether to approve the acquisition of the bank by NBT, in an all-stock deal valued at $236 million. The deal also is expected to result in the loss of dozens of local jobs at Evans' headquarters. The state Labor Department will release its job numbers for the Buffalo Niagara region next Thursday. The report could include the first fallout from the shutdown of the Sumitomo Rubber USA plant in the Town of Tonawanda that wiped out 1,550 jobs, although the full impact may not be shown until the December jobs report comes out in January. Even before that, though, job growth across the region had essentially stalled throughout 2024, and the loss of the Sumitomo jobs threatens to turn the region's meager job gains − which total 900 jobs since last December − into an overall decline in employment. Welcome to Buffalo Next. This newsletter from The Buffalo News will bring you the latest coverage on the changing Buffalo Niagara economy – from real estate to health care to startups. Read more at Buff aloNext.com. THE LATEST A court injunction will put some legal cannabis license applications on hold while speeding up some others. Residents are asking the Bills to use CBA funds to help revitalize the neighborhood where it once played. The Hamburg IDA went on record against a proposed moratorium on new apartments. Wells Enterprises is getting cheap hydropower from the New York Power Authority for its expansion in Dunkirk. Micron has finalized the financing of its massive $6 billion chip plant in Syracuse − and that's good news for the Buffalo Niagara region's hope to build its tech sector. An Orchard Park medical device maker is cutting 80 jobs − a quarter of its local staff. As the state ramps up its glacially slow pace of granting legal cannabis licenses, one industry group now worries the process will go too fast − and create too much competition. A Buffalo law firm is forming a strategic partnership with a local political lobbying firm. A panel monitoring the Buffalo Bills Community Benefits Agreement wants more details on who's getting construction contracts − and the Bills are balking at providing it. With demise of Braymiller , will downtown Buffalo ever get another grocery store? The recent snowstorms have been exactly what local ski areas have been hoping for. Buffalo officials are seeking a $2 million Restore NY grant to repair the downtown hostel buildings A Buffalo housing court judge is losing patience with the owner of the Buffalo Grand Hotel and Wonder Bread building. Sumitomo Rubber USA reached an agreement with its unionized former workers on a severance package. A Clarence plaza is getting a major makeover that will add apartments and townhouses, along with more commercial space. Ingram Micro is cutting 850 jobs across its operations , but isn't specifying the impact on its Western New York workforce. Federal regulators have lifted the consent order that Lake Shore Savings Bank operated under for nearly two years. Work is beginning this week on People Inc.'s latest housing project in Western New York. Hundreds of former Sumitomo Rubber workers flocked to the Lincoln Park Athletic Center in the Town of Tonawanda on Tuesday for a job fair. The Buffalo Next team gives you the big picture on the region’s economic revitalization. Email tips to buffalonext@buffnews.com or reach Buffalo Next Editor David Robinson at 716-849-4435. Was this email forwarded to you? Sign up to get the latest in your inbox five days a week . Email tips to buffalonext@buffnews.com . Be the first to know Get local news delivered to your inbox!It may be the biggest holiday of the year, but the Seattle Seahawks are still on a short week. On Thursday night they'll be visiting the Chicago Bears in their second appearance on Thursday Night Football of the season, which is just wonderful. Injuries are always a problem this time of season, but on a short week it's a heightened concern. The Seahawks were relatively healthy going into Sunday's excruciating yet also encouraging but also maddening loss to the Minnesota Vikings - and they came out relatively unscathed - with one big exception. In the fourth quarter starting running back Ken Walker left the game with an ankle injury and was listed as doubtful to return. After the game head coach Mike Macdonald didn't have much to say about Walker's ankle. Now, we have our first unofficial status update for Walker. As today's practice was a walk-through the team's injury report for Monday is only an estimation, but here's what we know about Walker and a few other key injuries going into Week 17. RB Ken Walker Walker was one of five players listed as non-participants for today's practice. That doesn't give us much to go on and Seattle will only have one real practice this week, so whatever his status is tomorrow is probably our best indicator for if he'll play or not. In any case, the Seahawks aren't really bothering to run the ball anymore, anyway. In Sunday's loss offensive coordinator Ryan Grubb had barely called any designed runs going into the fourth. For what it's worth, Kenny McIntosh did look good in the limited action he got at the end of the game, totaling 29 yards from scrimmage on four touches. Maybe McIntosh will get the ball instead of Zach Charbonnet this week. Abe Lucas, Leonard Williams, Ernest Jones Tight end Brady Russell was the only other player who was listed as a DNP due to an actual injury. The rest, consisting of right tackle Abe Lucas, defensive end Leonard Williams and middle linebacker Ernest Jones were estimated as rest days. Lucas is still apparently getting pain in his right knee, Williams has a lingering foot thing and Jones has a knee issue. None are serious except for the long-term Lucas concern. Five players were listed as limited, including running back Zach Charbonnet (elbow), tight end Noah Fant (knee), outside linebacker Uchenna Nwosu (wrist), center Olu Oluwatimi (knee) and edge rusher Derick Hall (shoulder). More Seahawks stories Seahawks vs. Bears: Early odds for Thursday Night Football Week 17 Riq Woolen refused to answer questions after Seahawks' loss to Vikings NFL power rankings: Seahawks rise despite brutal loss to Minnesota

Palantir Technologies Inc. ( NASDAQ:PLTR – Get Free Report ) shares hit a new 52-week high during trading on Monday . The stock traded as high as $82.02 and last traded at $78.45, with a volume of 27824266 shares trading hands. The stock had previously closed at $80.55. Wall Street Analyst Weigh In A number of research firms have commented on PLTR. Baird R W raised Palantir Technologies to a “hold” rating in a report on Thursday, December 12th. Bank of America lifted their price objective on Palantir Technologies from $55.00 to $75.00 and gave the stock a “buy” rating in a report on Monday, November 25th. Northland Securities upped their target price on shares of Palantir Technologies from $35.00 to $38.00 and gave the company a “market perform” rating in a research note on Tuesday, November 5th. Mizuho lifted their price target on shares of Palantir Technologies from $37.00 to $44.00 and gave the stock an “underperform” rating in a research note on Friday, December 13th. Finally, Wedbush increased their price objective on shares of Palantir Technologies from $57.00 to $75.00 and gave the company an “outperform” rating in a research report on Monday, November 25th. Six investment analysts have rated the stock with a sell rating, eleven have assigned a hold rating and two have assigned a buy rating to the company. According to MarketBeat.com, the company currently has an average rating of “Hold” and an average price target of $41.00. Check Out Our Latest Report on Palantir Technologies Palantir Technologies Price Performance Palantir Technologies ( NASDAQ:PLTR – Get Free Report ) last posted its quarterly earnings data on Monday, November 4th. The company reported $0.10 earnings per share for the quarter, beating analysts’ consensus estimates of $0.09 by $0.01. The firm had revenue of $725.52 million for the quarter, compared to analysts’ expectations of $705.11 million. Palantir Technologies had a return on equity of 9.94% and a net margin of 18.01%. The business’s quarterly revenue was up 30.0% on a year-over-year basis. During the same period in the previous year, the firm earned $0.03 EPS. As a group, research analysts anticipate that Palantir Technologies Inc. will post 0.21 EPS for the current year. Insiders Place Their Bets In other news, insider Stephen Andrew Cohen sold 416,053 shares of the business’s stock in a transaction dated Friday, December 13th. The stock was sold at an average price of $74.17, for a total value of $30,858,651.01. Following the transaction, the insider now directly owns 592 shares in the company, valued at $43,908.64. The trade was a 99.86 % decrease in their ownership of the stock. The sale was disclosed in a legal filing with the Securities & Exchange Commission, which is available at this hyperlink . Also, insider Shyam Sankar sold 5,250,000 shares of the stock in a transaction dated Tuesday, December 3rd. The stock was sold at an average price of $70.08, for a total value of $367,920,000.00. Following the sale, the insider now owns 752,786 shares of the company’s stock, valued at $52,755,242.88. This represents a 87.46 % decrease in their position. The disclosure for this sale can be found here . Insiders sold a total of 31,351,045 shares of company stock worth $1,710,644,202 over the last three months. 12.93% of the stock is currently owned by company insiders. Hedge Funds Weigh In On Palantir Technologies Hedge funds and other institutional investors have recently modified their holdings of the stock. Farmers & Merchants Investments Inc. purchased a new stake in Palantir Technologies in the 2nd quarter worth $25,000. Northwest Investment Counselors LLC purchased a new stake in shares of Palantir Technologies in the third quarter worth about $25,000. Prestige Wealth Management Group LLC boosted its stake in Palantir Technologies by 747.1% during the third quarter. Prestige Wealth Management Group LLC now owns 737 shares of the company’s stock valued at $27,000 after buying an additional 650 shares during the last quarter. University of Texas Texas AM Investment Management Co. purchased a new position in Palantir Technologies during the 2nd quarter valued at approximately $30,000. Finally, Ashburton Jersey Ltd purchased a new stake in shares of Palantir Technologies during the 2nd quarter worth approximately $36,000. Institutional investors own 45.65% of the company’s stock. Palantir Technologies Company Profile ( Get Free Report ) Palantir Technologies, Inc engages in the business of building and deploying software platforms that serve as the central operating systems for its customers. It operates under the Commercial and Government segments. The Commercial segment focuses on customers working in non-government industries. The Government segment is involved in providing services to customers that are the United States government and non-United States government agencies. Recommended Stories Receive News & Ratings for Palantir Technologies Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Palantir Technologies and related companies with MarketBeat.com's FREE daily email newsletter .Srinagar, Dec 25: A Kashmiri doctor has spearheaded the discovery of a groundbreaking potential cure for lung fibrosis, paving the way for aspiring scientists not only in Kashmir but across the world. In an exclusive conversation with Greater Kashmir , Dr Muzamil Majid Khan shared his inspiring journey and insights from the small village in Baramulla to the renowned research hubs of Heidelberg into the drug that could transform the lives of millions worldwide. A widely available cough suppressant, dextromethorphan, may hold the key to treating lung fibrosis, a serious condition that currently has no cure. The discovery, part of a study published in the December 2024 issue of Science Translational Medicine, represents a major step forward in combating the disease, which affects over 7.61 lakh people in Europe alone, according to the World Health Organisation (WHO). Dr Khan, a Kashmiri scientist currently based at EMBL Heidelberg in Germany is the first author of the paper. Lung fibrosis is caused by excessive scarring in the lungs due to an accumulation of collagen, leading to tissue stiffness, breathing difficulties, and, in severe cases, organ failure. The risk factors include environmental irritants like asbestos, chemotherapy side effects, or autoimmune conditions. Dr Khan and his colleagues aimed to identify effective treatments for the condition by repurposing existing drugs. “We wanted to discover novel drugs for lung fibrosis, knowing the challenges of developing new ones. Dextromethorphan stood out during our screening of FDA-approved drugs,” Dr Khan said. The research team employed cutting-edge techniques, including a “scar-in-a-jar” assay – an in vitro model that mimics the fibrotic scarring process. This high-throughput screening method allowed them to identify dextromethorphan as a drug that inhibits collagen trafficking in cells. Further studies using advanced technologies like proteomics, transcriptomics, and microscopy uncovered how the drug blocks the accumulation of collagen, reducing scarring in human lung fibroblasts, 3D-cultured lung tissues, and mouse models of lung fibrosis. Collaborating with the Translational Lung Research Center Heidelberg and Thoraxclinic, the team is now preparing for phase II clinical trials to evaluate dextromethorphan’s effects on human patients. Dr Khan’s path to this groundbreaking discovery is as remarkable as the study itself. Hailing from Hanjiwera Bala, a small village in Kashmir’s Baramulla district, his academic journey began in local schools before continuing in Srinagar. He attended Public High School, Gogji Bagh, and Jawahar Nagar Higher Secondary School before earning his Bachelors in Science at SP College, Srinagar. A turning point came when he secured a junior research position in the lab of the late Prof Obaid Siddiqi at NCBS, Bangalore. This opportunity set the foundation for his scientific career. Dr Khan pursued his PhD at the University of Heidelberg and now works as a staff scientist at EMBL Heidelberg, specialising in respiratory diseases and drug discovery. His achievement underscores the importance of hard work, determination, and community support. “It doesn’t matter which school or university you attend; what matters is your passion and persistence,” he advises young researchers from Kashmir. “Hard work never goes in vain, and the growing network of Kashmiri scientists around the world is here to guide and mentor those seeking support.”

AP Trending SummaryBrief at 5:46 p.m. ESTAhmad Robinson scores 25 to lead Mercer to 75-63 victory over winless Chicago State