Investing Port RSS Feed All the latest news from Investing Port Apple says a new feature in its iOS 16 will help block government spyware attempts In its next iPhone and Mac software, Apple announced on Wednesday that it will add a new "Lockdown Mode" that will turn off specific functions to aid users in fending off government spyware. Apple's new Lockdown Mode will introduce five important security defenses, any of which may make your devices more restricted, but also, a lot more secure. This feature is the company's new rigorous approach to security which focuses on five main areas. · Besides photos, other message attachment types are restricted, and link previews are disallowed. · Some web technologies, such as JavaScript just-in-time (JIT) compilation, are disallowed in Safari. However, you can disable Lockdown mode for a reliable website. · Some Apple services, such as requests for incoming FaceTime calls from unknown callers are disabled or blocked. · When iPhone is locked, wired connections to a computer or device are disabled. · When Lockdown Mode is on, you will not be able to install configuration profiles or enroll the device in mobile device management (MDM). Apple claimed that the new feature is an "extreme optional protection" for device users like reporters, activists, and human rights defenders, who are more likely to get attacked by national governments using potent spyware. After years of persistent, successful attacks against thousands of iPhone owners worldwide, the feature finally becomes available. For the benefit of their government clients, spyware developers like NSO Group, Candiru, and Cytrox provide the technologies necessary to get past a device's security measures and install spyware. Although Apple usually releases security updates for its products quickly, broader attempts to strengthen the security of its devices against such vulnerabilities were not always successful. Government-grade spyware can frequently read messages, call records, download images, secretly record telephone conversations, use a device's microphone, capture photos using the phone's camera, access passwords, and monitor the phone's location in real time, according to security researchers. The introduction of "Lockdown Mode" allows people who are the target of targeted spyware attempts to quickly deactivate a number of features, such as restricting the amount of code that can be executed in apps and websites and severely limiting the use of other Apple software features, like iMessage and FaceTime, which spyware developers have abused to create exploits that can install spyware on iPhones. Apple claimed in a post that the new "lockdown" feature substantially reduces the attack surface that might ultimately be used by mercenary spyware. It further strengthens device security and strictly limits some functionality. The installation of configuration profiles, which are frequently used by businesses to deploy settings and security safeguards across fleets of devices but are also exploited by consumer-grade spyware to track and covertly download the contents from devices, will be prevented on iPhones and Macs by the new iOS feature. When Lockdown Mode is activated, wired connections are also disabled, preventing spyware tools from obtaining access to a device's data.Last year Apple warned its users including authorities, that they'd been the target of "state-sponsored attackers". In November 2021, Apple filed a lawsuit against NSO (opens in new tab), which NSO has refuted as the maker of the spying software. ]]> Wed, 06 Jul 2022 18:15:16 EST FCMB Pensions Ltd collaborates with Awabah Nigeria to boost Micro Pension Plan (MPP) Awabah Nigeria, the first Nigerian digital micro pension platform is collaborating with FCMB Pensions. Awabah specializes on encouraging Associations and Unions' engagement in the expansion of Micro Pension Retirement Savings Accounts (RSAs) by offering assistance, direction, proper information, and also making it simple for clients to register. The National Pension Commission (PenCom) has granted FCMB Pensions Limited, a subsidiary of FCMB Group Plc, a license to operate as a Pension Fund Administrator (PFA) as that term is defined under the PRA 2014. Over 700,000 Retirement Savings Accounts have been registered with FCMB Pensions in both the private and public sectors of the economy. Additionally, as part of the Micro Pension Plan, FCMB Pensions administers RSAs for workers in the unorganized sector (MPP). Employees of companies with less than three employees and independent contractors have the right to join in the Contributory Pension Scheme in accordance with National Pensions Commission Guidelines, according to Section 2(3) of the Pension Reform Act, 2014 (PRA 2014). The Micro Pension Plan (MPP) is voluntary and is paid completely by the contributor, who must be at least 18 years old and have a legal source of income as specified in Section 2 (3) of the PRA 2014, according to Nairametrics. The informal sector employs around 80% of Nigerian workers, providing roughly 48% of the country's GDP, according to the Nigeria Bureau of Statistics (NBS). With the introduction of the Micro Pension Plan, Nigeria's majority of working population—informal workers—will finally have access to adequate retirement funds. Awabah is dedicated to expanding the scope of this plan so that no employee is left behind. The firm says it is delighted to have a company as solid as FCMB Pensions collaborate with it to achieve this goal. According to the bank, customers with an FCMB Pensions account stand to enjoy the following benefits: · A stable financial future after retirement · Financial security and the eradication of poverty in old age · Flexible remittances of contributions; Daily, weekly, or monthly contributions in Nigerian Naira are all acceptable. · Three months after making the initial contributions, the Micro Pension contributor will be able to withdraw up to 40% of his or her balance. · A contribution's security (funds managed by licensed Professionals such as FCMB Pensions). Awabah CEO With the introduction of the Micro Pension Plan, Nigeria's majority of working population—informal workers—will finally have access to adequate retirement funds. Awabah is dedicated to expanding the scope of this plan so that no employee is left behind. The firm says it is delighted to have a company as solid as FCMB Pensions collaborate with it to achieve this goal.]]> Wed, 06 Jul 2022 10:58:35 EST Amazon invests in GrubHub, it will now add food delivery to its Prime services In a deal announced on Wednesday, Amazon agreed to purchase a share in Grubhub in exchange for a one-year membership for subscribers to its Prime service. All American Amazon Prime subscribers will receive a year of free access to Grubhub+, a $10/month membership service that enables users to place food orders with no delivery expenses, according to Grubhub's Dutch parent company Just Eat Takeaway. Just Eat anticipates that the agreement will increase Grubhub+'s user base without affecting the business's cash flow for the current year. Unless one of the two companies decides to cancel it, the agreement between Amazon and Just Eat will automatically renew each year. According to the European food giant, the collaboration gives Amazon the chance to purchase a 2 percent ownership in Grubhub. Depending on specific performance indicators, such as the amount of new customers recruited, Amazon may be able to expand its overall ownership in Grubhub to 15%. Following the deal's official announcement, Just Eat's shares, which are listed on the Amsterdam Stock Exchange, have increased significantly in value; during early afternoon trade, they were up 18.84%. Shares of other delivery service providers fell after news about the agreement. In pre-market trade, shares of DoorDash tumbled as much as 8%, and Uber's stock dropped more than 3%. Amazon is adding more benefits to its Prime membership program, which has more than 200 million subscribers and already offers several advantages connected to food, such as Whole Foods grocery store discounts. With some Grubhub orders, Prime members will no longer be charged for delivery, and they will also have free access to other perks of Grubhub's loyalty program. According to Amazon, there are hundreds of thousands of restaurants offering free delivery as part of Grubhub Plus in more than 4,000 US cities. Grubhub will automatically begin charging $9.99 per month for continuous access when the year is out. The deal is still available to current Grubhub Plus members and will be implemented at the beginning of their subsequent billing cycle. Grubhub Plus is also immediately cancelled when Prime subscription is cancelled. The transaction comes as Netherlands-based JustEat, under pressure from stakeholders to grow its business, considers selling Grubhub. The value of Just Eat's stock has decreased by more than 60% this year. Amazon had already experimented with giving Prime members access to food delivery benefits. It launched a partnership with European delivery service Deliveroo in September of last year, giving Prime members in the UK and Ireland a year's worth of access to Deliveroo Plus. This would not be Amazon's first attempt at the food delivery business. In 2015, the company launched Amazon Eateries, a service that let Prime members in a number of American cities purchase food delivery from nearby restaurants. However, the business was unable to compete with services like Grubhub, Uber Eats, and Postmates, and was ultimately forced to close in 2019.]]> Wed, 06 Jul 2022 10:55:49 EST Rihanna has officially joined the billionaire ‘gang’ as the youngest self-made billionaire Rihanna, singer and CEO of Fenty Beauty, just made Forbes' annual ranking of the richest self-made women in America for the third year running. She came in at number 21 overall and is the only billionaire under 40 on the list. The 34-year-old has a $1.4 billion net worth, part of which comes from her lucrative singing career. Her three retail businesses, Fenty Beauty, Fenty Skin, and Savage X Fenty, account for the most of it. According to a March Bloomberg article, Savage X Fenty underwear was collaborating with consultants on a potential $3 billion initial public offering (IPO). That business is 30 percent owned by Rihanna. She also owns 50 percent of the $550 million brand Fenty Beauty. The French luxury fashion corporation LVMH owns the remaining fifty percent of the business. The list's top spot goes to millionaire Diane Hendricks, who owns a business that sells building supplies and roofing. Sales at ABC Supply, which she cofounded with her husband Ken (d. 2007), increased to $15 billion in 2021 as a function of the residential development boom. Her wealth increased from $11 billion to an estimated $12.2 billion in just one year. Other female celebrities who made it to be 2022 self-made Forbes list include Reese Witherspoon ($430 million), Serena Williams ($260 million), Sandra Bullock ($225 million), Madonna ($575 million), Kris Jenner ($230 million), Taylor Swift ($570 million), Beyoncé ($450 million), Kim Kardashian ($1.8 billion), and Kylie Jenner ($600 million), and others. Although the figures are outstanding, Rihanna has stated that she doesn't place much importance on ratings and recognition. She stated in 2019 that she never intended to become wealthy and that achieving financial success wasn't going to prevent her from working even harder. The singer also stated that she intends to donate the money to worthwhile projects She always has the mindset that she can benefit others with her money. She emphasized that the world can seriously convince "you that the wrong things are priority", and it may seriously cause a person to miss the essence of life. In 2012, Rihanna established the Clara Lionel Foundation, a charitable organization. According to its website, the foundation intends to promote and finance "ground-breaking" educational and "climate resilience initiatives" Sales from the Rihanna's lipstick collection with MAC Cosmetics were one of its first projects, which debuted a year after founding the CLF. The initiative successfully raised $60 million for women and children affected by HIV/AIDS. And in January, CLF collaborated with Jack Dorsey, co-founder of Twitter, on the #SmartSmall campaign to contribute a total of $15 million to 18 different climate equity organizations. ‘The joy of motherhood’ Rihanna welcomed her first kid, a boy, with A$AP Rocky in May, adding "mother" to her extensive list of achievements. She first made her pregnancy public at the end of January. Since then, the singer has been producing outfits of runway-ready looks at Milan Fashion Week, Paris Fashion Week, and other events, boosting maternity style.]]> Wed, 06 Jul 2022 10:51:15 EST DMO lists N250 billion Sukuk on the Nigerian Exchange The Debt Management Office recently listed the N250 billion, 10-year, 13% Ijarah Sovereign Sukuk on the Nigerian Exchange abd the FMDQ Securities Exchange. The listing was done after meeting the requirements established by the Central Bank of Nigeria's Financial Regulatory Advisory Council of Experts, which stated that trading in the instrument will only be permitted after the start of work on the highway projects set for construction through the Sukuk assets. The NGX claims that the listing would improve trade, give investors liquidity, and expand the Nigerian capital market. The rehabilitation and building of significant economic road projects across the world would be funded by the Ijarah Sovereign Sukuk, which was released on December 29, 2021. The Debt Management Office (DMO) is listing the N250 billion Sovereign Sukuk, issued in December 2021, on the Nigerian Exchange Limited and the FMDQ Securities Exchange in order to maximize market liquidity for investors in the Sovereign Sukuk. According to the Nigerian Exchange, “The issuance and subsequent listing of the Sovereign Sukuk on the NGX platform underscore the Federal Government’s drive to develop the critical infrastructure needed to unlock economic growth by leveraging innovative and cost-effective financing structures.” This is the fourth Sovereign Sukuk to be approved by the DMO. At the time of writing, it had a huge oversubscription of N865 billion, which was the highest level ever documented since the very first Sukuk issuance in September 2017. This shows that investors' optimism in the pluses of SUKUK to the growth of the Nigerian economy is rising. According to a DMO press release, since its establishment, proceeds from the Sovereign Sukuk have been used to build and renovate road networks throughout Nigeria's six geopolitical zones, and the results are clear. Presently, funds from the N250 billion sovereign sukuk have been used to fund 77 important economic road projects across the nation, including the completion of roads B6, B12, and Circle road in Abuja; the Abuja-Lokoja road (Koton Karfe-Lokoja); the rehabilitation of Yola-Hong-Mubi road in Adamawa State; the dualization of Kano-Katsina road in Kano/Katsina among others. ]]> Wed, 06 Jul 2022 10:48:53 EST Ford reports a marginal increase in quarterly sales, falling short of analysts' estimates Ford Motor revealed on Tuesday that second-quarter new car sales increased slightly but fell short of predictions from industry analysts. The business reported that sales increased by 1.8 percent to 483,688 new automobiles in the second quarter compared to the same period last year, but added that June's performance was better and was up by 31.5 percent overall. Analysts predicted that the Detroit automaker's sales will increase by 3.3% to 5.1%. “Amid industry-wide supply constraints, Ford outperformed the industry driven by strong F-Series, Explorer and new Expedition and Navigator SUV sales,” Andrew Frick, Ford’s vice president of sales, distribution and trucks. The auto maker's performance during the quarter easily beat that of the industry as total sales were anticipated to drop between 19 and 21% from the same time last year. Due to a global shortage of semiconductor chips and other essential automobile components, automakers have been desperately trying to replenish dealer stockpiles that have been severely damaged by production cuts. On Tuesday, Ford stock reached a 52-week low of $10.61. In midday trade, the stock was trading at roughly $10.90, down more than 3%. Ford's stock price has dropped 47% in 2022. The chip scarcity that adversely damaged Ford a year ago was mostly caused by fire at one of its Japanese suppliers that necessitated production reductions in the first half of 2021. According to the company, demand is still high, with a record 50% of retail sales in June from customer orders as opposed to purchases from dealer stocks. Vehicle orders have been encouraged by manufacturers, which helps businesses better gauge demand and formulate strategic plans. According to Ford, its retail sales last month increased 30.3 percent over the same period in 2017. The company also saw an increase in Ford's F-Series truck sales to 57,673 units in June making it the highest monthly total of the year. The F-150 and larger versions of the pickup are among the models that are selling. About Ford A Ford Motor Company (NYSE: F) is a multinational corporation with its headquarters in Dearborn, Michigan. It is dedicated to assisting in the creation of a better world where everyone has the freedom to move and realize their goals. In order to improve customer experiences and increase their loyalty, the company's Ford+ plan for growth and value creation combines current strengths, new capabilities, and always-on relationships with customers. Ford creates and provides cutting-edge, necessary Ford pickup trucks, sport utility vehicles, commercial vans and sedans, Lincoln luxury vehicles, linked services, and connected devices. Ford also offers financial services through Ford Motor Credit Company and is forging leadership positions in mobility solutions, including self-driving technology. Around 182,000 individuals work for Ford worldwide. ]]> Tue, 05 Jul 2022 17:02:50 EST This Nigerian Agrotech has just raised $790,000 in seed funding round A $790,000 seed fundraising round from Founders Factory Africa and other angel investor organizations has been finalized by Winich Farms, a top producer of food solutions and a supplier of inventories. The money will be used to develop long-lasting solutions for the agro utility sector. Winich Farms is an agritech group that is revolutionizing the farm-to-retail sector by employing technology to eliminate intermediaries and enhance the distribution and sales of agricultural products. Winich Farms facilitates the purchasing and selling processes between farmers and small merchants and manufacturers. Transactions and payments between sellers and buyers are also settled within 24 hours. Farmers regain their profit when unnecessary middlemen are reduced, and small- to medium-sized businesses, as well as manufacturers, can operate more effectively with readily available goods. In Nigeria, middlemen are frequently used to transport farm produce from the local farmers to merchants. These middlemen create more expenses food producers and sellers. Those farmers who don't have a direct connection to the manufacturers, sometimes struggle with poor product storage and inconsistent supply line. Due to the current ineffective supply chain, food is more expensive overall and harder to get. Agritech businesses have emerged to address these issues with food distribution; to date, they have raised $115.4 million in funding and offered digital solutions to issues with finances and other aspects of agriculture. The food situation in the country is at its worst since it closed its borders in 2019 to stop the importation of some food and other items and to improve border security. The expenditure on imports rose by 62 percent as a result of this border closure, according to Techcabal. Winich farms is committed to resolving the distribution network issue and is at the frontline of ensuring food security in Africa with over 29,000 active food farmers linked to the network and a supply chain capable of moving 127 tonnes of product from farms to companies everyday. Winich Farms offers cost-effective sustainable agricultural solutions by cutting down on food waste and enhancing food quality and distribution effectiveness in Nigeria. Since its founding in 2019, Winich Farms aims to create the biggest and most effective farm produce distribution network platform across Africa. Riches Attai, co-founder and CEO of the company, stated that the platform plans to harness its capabilities and resources to develop new product categories and client groups while solving complicated supply chain issues with simple solutions. The mobile app, which was released in June, is one way they're producing solutions. The farm hopes to increase productivity and convenience for farmers and manufacturers in the food production and distribution sector through its mobile app. This way, all parties involved in the distribution process can maintain live, traceable contact with themselves in addition to direct communication. Traceability was the first difficulty in running Winich Farms. It previously used WhatsApp live location to address the issue. All through the delivery, drivers used the platform to communicate their live location with suppliers. This tracking feature will now be implemented into the platform immediately with the introduction of the mobile app. ]]> Tue, 05 Jul 2022 16:42:25 EST CBN’s “Naira4Dollar Scheme” falls beyond expectations The "Naira4Dollar Scheme" of the Central Bank of Nigeria (CBN) was launched in March 2021, and since then, the rate of the naira has dropped by a staggering N127 (or 26 percent). On Monday, July 4, 2022, the parallel market rate was N612/$1, compared to N485/$1 before the "Naira4Dollar Scheme" was introduced. This is a N127 decrease or a 26 percent depreciation in the value of the Naira since the plan was put into place. On March 8, 2021, the CBN introduced the Scheme to encourage the entry of remittances into the nation in reaction to the insufficient forex supply and continuous strain on Nigeria's exchange rate. The Naira4Dollar project was supposed to give the Central Bank of Nigeria the chance to promote alternative FX inflows from non-oil sectors. The scheme, according to the CBN, would award a N5 bonus to any Nigerian living abroad who sends a dollar through an international remittance company. The bank maintains that the N5 giveaway is more than justified in the grand scheme of things because of the reaping from remittances, which it anticipated would exceed one or two billion dollars each month. Additionally, it believes that the incentive will lessen round-trips. The bank did not specify how much it would spend on the promotion in the two months following its introduction, but according to two sources, it might be in the tens of millions of naira, based on how well it is received by the general public. The bank made the case that the bonus is insignificant in light of the potential inflows from remittances, which are currently expected to be worth $23 billion annually and to reach $34.89 billion in two years by PricewaterhouseCoopers. However, it can be difficult for the typical Nigerian to understand how to recognize the effectiveness of this program. This is due to the ongoing difficulties in obtaining foreign currency. Particularly, research shows that businesses still encounter delays in fulfilling long delays of FX orders. These firsthand experiences may be supported by notices from important operators. For example, Nigerian banks sent out a flurry of communications in February 2022 informing clients of decreased dollar limitations on debit cards. According to statistics IATA revealed in May 2022, Nigeria owed airline operators a backlog of nearly $450 million. The CBN had proposed that a significant share of the diaspora remittances will be encouraged to use the Naira4Dollar scheme rather than traveling through unofficial methods when the Naira4Dollar plan was first announced fifteen months ago. Ideally, the goal was to consolidate the $20 billion in annual remittances from the diaspora. Centralized FX inflows would consequently have a positive effect on the value of the Naira and mitigate its devaluation.]]> Tue, 05 Jul 2022 07:34:57 EST CBN issues directives to financial institutions to improve cybersecurity The Central Bank of Nigeria (CBN) of Nigeria has released guidelines for enhanced cyber security in the Nigerian financial industry, particularly among the Other Financial Institutions (OFIs). In a recently sent circular, Mrs. Nkiru Asiegbu, Director of OFI's Supervision Department, made this disclosure. The regulator emphasized that operating in a secure environment was essential for the safety and stability of OFIs in order to minimize dangers to their reputation and financial well-being, among other things. The document noted how risks like ransomware, targeted phishing, and advanced persistent threats (APT) have proliferated, necessitating that financial institutions, particularly OFIs, fortify their cyber resilience and take preventative measures to safeguard their vital data assets. It added that institutions must reinforce their cyber defenses if they want to remain secure due to a recent rise in the numbers and complexity of cybersecurity threats targeting financial institutions, particularly Other Financial Institutions (OFIs). “In recent times, threats such as ransomware, targeted phishing attacks and Advanced Persistent Threats (APT) have become prevalent, demanding that financial institutions, including OFIs strengthen their cyber resilience and take proactive steps to secure their critical information assets to ensure their safety and soundness,” the bank said. As a result, the CBN released the Risk-Based Cybersecurity Framework and Guidelines for OFIs that serve as the minimum standards that all OFIs must implement. The central bank further stated that full compliance with the guidelines will become effective on January 1, 2023. The recommendations lay out the specifications that the OFIs were asked to follow while developing and putting into practice strategies, policies, processes, and other relevant actions targeted at decreasing cyber risks. It was required to develop a cybersecurity strategy in order to lower the risks given the dependence of financial institutions ICT for daily operations as well as the growth of cybersecurity threats and attacks against these institutions. To lower the risks, it is essential to adopt a cybersecurity plan. ‘Internet subscription surge by 2.7% in Q1’ According to the National Bureau of Statistics, there were 2.7% more active internet subscriptions from one quarter to the next. The numbers rose to 145.8 million in the first quarter of 2022 from 141.9 million in the first quarter of 2021. The numbers for active voice subscriptions also increased QoQ by 2.09 percent to 199.5 million in Q1 22 from 195.4 million in Q4'21, according to NBS's "Telecoms Data: Active Voice and Internet, Porting and Tariff Information" for Q1 22. ]]> Mon, 04 Jul 2022 08:41:32 EST Tesla second-quarter vehicle delivery, Germany initiates vehicle recalls Tesla has released its 2022 second-quarter vehicle manufacturing and delivery figures. It reported 254,695 deliveries overall in Q2 2022 and total production of 258,580 electric vehicles. The closest indicator of sales reported by Tesla is delivery numbers, which came up barely short of analysts' projections. Analysts were anticipating 256,520 vehicle deliveries for the quarter, which was characterized by COVID restrictions, supply chain bottlenecks, and shortages of semiconductor chips and other parts. The EV giant delivered 201,250 vehicles in the same period a year ago, marking the first time the company had shipped more than 200,000 units in a three-month span. Tesla shipped 310,048 automobiles during the first quarter of 2022. For the company, these figures indicated sales growth of 26.5 percent year over year and a fall of 17.9 percent sequentially. Long-term growth targets for Tesla have been soft-guided to be about 50%, dependent on industrial capacity and other considerations. Tesla stated, "We plan to grow our manufacturing capacity as quickly as possible," in its first-quarter shareholder report. It added that it anticipates a 50 percent average yearly growth in deliveries over a multi-year horizon. ‘German agency reports software glitch in Tesla vehicles’ Tesla models Y and 3 are being recalled by Germany's road traffic administration due to a flaw in its automatic emergency call system which affects 59,000 vehicles worldwide. The eCall, which is intended to immediately summon emergency services in the event of a catastrophic accident, is malfunctioning, the KBA watchdog said on its website on June 29. The recall was initially announced on Saturday by German regional radio Rundfunk Berlin-Brandenburg, which covers the area where Tesla's German model Y and battery production facility are located close to Berlin, according to news reports. KBA did not estimate, however, how many of the 59,129 automobiles affected worldwide were registered in Germany. The US National Highway Traffic Safety Administration (NHTSA) has also upgraded its investigation into 830,000 Tesla vehicles equipped with the advanced driving assistance system Autopilot, before it would initiate a recall. Elon Musk, the CEO of Tesla, is already dealing with problems with his company's production and supply chain because to the Covid-19-related shutdown in China, which impacted deliveries of electric vehicles in the second quarter, which resulted in 17.9% fewer deliveries than in the first quarter. Tesla's new plants in Texas and Berlin, according to Musk, are "losing billions of dollars" as they try to raise production amid a battery shortage and problems with Chinese ports. On Friday, the price of Tesla's stock increased from $673.42 to $681.79, rising 1.24 percent after the session ended. The intraday range for Tesla shares, which ran from a day low of $666.36 to a day high of $690.69, was the narrowest in the previous seven days. The stock volume was down by 11 million shares and $14 billion in value, or 79% of the average volume from the previous trading day. The succeeding trading sessions may see price fluctuations as a result of this low volume. According to FXStreet, the price may continue to move downward after smashing the $620 support and maybe aiming for the $450 price level. The price is currently at the peak of the negative trend. A break over the $785 resistance, however, might signal a possible short buy with a target price of at least $865 to close the gap. In this instance, keep an eye out for trading in the limited $734 to $784 area. ]]> Mon, 04 Jul 2022 08:32:57 EST