fishing knots

fishing knots

Political interest vs. interest ratesBishop T.D. Jakes suffers 'health incident' during Sunday serviceINDIANAPOLIS — It was just a 10-yard completion, easy to overlook in the wake of a record-setting rushing day and easy to dismiss as one of just 11 pass attempts throughout the Indianapolis Colts’ 38-30 victory Sunday against the Tennessee Titans. But Anthony Richardson’s third-and-8 pass to wide receiver Michael Pittman Jr. just after the two-minute warning in the fourth quarter was pivotal to holding off the visitors’ late rally. If the Colts were forced to punt in that situation, a defense that had allowed touchdowns on three consecutive drives — of 70, 55 and 71 yards — would be back on the field with tremendous pressure to prevent the game going to overtime. Richardson was cold and out of rhythm. He’d been sacked on his most recent pass attempt — on third-and-9 with 6:51 remaining — and he hadn’t gotten a pass off since throwing an incompletion intended for wide receiver Josh Downs at the 11:20 mark. With the dual-threat quarterback and running back Jonathan Taylor combining for 270 of Indianapolis’ single-game franchise-record 335 rushing yards, Richardson had not completed a pass since the 8:33 mark of the third quarter, and he was just 1-for-2 in the second half. Still, he was calm and composed on the crucial third down — hitting Pittman on a simple out pattern to move the chains and keep the clock moving. When the Colts finally did punt the ball back to Tennessee, there were only three seconds remaining for the Titans to work with, It was a forgettable play in the grand scheme of the game, but it was also the most recent evidence of the 22-year-old quarterback’s ability to raise his level of play in the clutch. He’s 3-2 as a starter since taking the role back from veteran Joe Flacco, and the other two victories featured game-winning touchdown drives in the fourth quarter. “I think that’s a special trait — obviously as a young player — that he doesn’t flinch in those times, to lead those comebacks,” Colts head coach Shane Steichen said. “Obviously, the (New York) Jets, the New England (Patriots) game, I mean, those are big-time drives to go win games. “You want that out of young players, especially (when) you see the veteran guys do it around the league all the time, but to do it as a young player speaks volumes of the person that he is.” Despite Richardson’s up-and-down season, Indianapolis has maintained steadfast belief in his potential. Even when he was benched for Flacco, the organization repeatedly stated it was not giving up on the quarterback as its future leader. There’s still plenty of work to be done. Richardon has completed just 47.7% of his passes, and he’s thrown 12 interceptions in 11 starts. His rushing ability again was evident Sunday, and he’s set franchise single-season records for a quarterback with 499 rushing yards and six rushing touchdowns. And he has proven his big-play ability with a league-leading 14.4 yards per completion. The Colts still believe improved consistency will come with increased reps, and they hold out hope the fourth overall pick in the 2023 NFL Draft can still become the long-term answer at the game’s most important position. For now, Richardson’s late-game heroics offer the most compelling argument in his favor. “I think it’s just me just playing all the way until the clock hits zero,” Richardson said of his mindset. “I never think about fourth quarter moments or anything like that. I just try to play until the game’s over. And it just happens sometimes that most of it happens in the fourth quarter. So I just try to play through the whistle and just play through the whole game.” After rushing for 218 yards and three touchdowns against the Titans – both the second-highest single-game totals of his career – Taylor has been named the AFC Offensive Player of the Week. It was a major bounce-back performance after Taylor’s unforced fumble just short of the goal line cost the Colts dearly in a pivotal loss against the Denver Broncos a week prior. “It’s always exciting to see that dude just do what he does,” Richardson said. “It’s fascinating, honestly, just to see him hit a gap and just take it to the house. It’s just amazing, especially thinking about what happened in the Denver game. It honestly like wiped my mind. I wasn’t even thinking about it until people were talking about him coming back and having the game he did. “It’s like ‘OK, that’s the type of player he is, the type of person he is.’ He always wants to do better for the team and for himself. And just to see him do that and get what he did on Sunday is just a blessing.” The Colts officially signed right guard Mark Glowinski to the 53-man roster Tuesday after he’d been called up for game day in each of the past three weeks. Guard Antonio Mafi was re-signed to the practice squad after being released from the 53-man roster Monday.

The doomers have it wrong. AI is not going to end the world—but it is going to end the web as we've known it. AI is already upending the economic covenant of the internet that's existed since the advent of search: A few companies (mostly Google) bring demand, and creators bring supply (and get some ad revenue or recognition from it). AI tools are already generating and summarizing content, obviating the need for users to click through to the sites of content providers, and thereby upsetting the balance. Meanwhile, an ocean of AI-powered deepfakes and bots will make us question what's real and will degrade people's trust in the online world. And as big tech companies—who can afford the most data and compute—continue to invest in AI, they will become even more powerful, further closing off what remains of the open internet. The march of technology is inevitable. I'm not calling attention to this to cry that the sky is falling or to hold back progress. We need to help individual users gain some control of their digital lives. Thoughtful government regulation could help, but it often slows innovation. Attempting a one-size-fits-all solution can create as many problems as it solves. And, let's face it, users are not going to retreat... Chris DixonFive bear cubs believed to be orphans have been released back into the wild after spending the summer at a Colorado Parks and Wildlife Department's rehabilitation center. The cubs, which were found in separate incidents, were released on Nov. 20 at separate locations near Pagosa Springs, about 250 miles southwest of Colorado Springs, near the border of New Mexico, the agency's Durango office said in a post on Facebook . One set of three cubs was rescued by wildlife officers over the summer after their mother was euthanized because she entered a home in the Durango area, ABC News reported . Under the agency's directives , bears that come into contact with humans need to be euthanized to avoid further conflicts endangering human lives. Since the cubs did not enter the home, they were captured by wildlife officers, who assessed their health and determined that the best course of action would be to rehabilitate them, agency spokesperson John Livingston told ABC News. Another cub, meanwhile, was spotted wandering alone on the property of a concerned resident in southern Jefferson County in June, the wildlife agency said . Since it was it was still too early for a cub to be on their own, wildlife officers determined the cub was orphaned. The cubs were taken to the Frisco Creek Wildlife Rehabilitation Center in Del Norte, where they joined other cubs to “grow and socialize." Rehabilitating the bears As the cubs recouped at the wildlife agency's facility, extreme measure were taken to ensure the bears did not associate with humans. "There’s no talking allowed near bear pens, and the bears never see a person feeding them," the agency said. "They get a feed diet as well as natural foods such as berries and dead fish from a hatchery." Agency spokesperson Kara Van Hoose told USA TODAY on Monday that the cubs were placed in pens "with the slides covered so they do not see humans." The cubs are fed without any interaction and as they grow, "they are moved into larger pens with more rehabbed bears." As the weather changes, steps are taken to prepare the bears for denning and their diet is switched to high sugar and no protein. "We decrease the feeding as the year goes on to mimic the conditions in the wild and encourage their bodies to go into hibernation," Van Hoose said. "When they are ready to hibernate, we release them into the wild, so they are able to build their own dens." Once they "instinctively try to den at the rehab" by diggings dens in the aspen grove pen or using "sticks and hay bales to get cozy in den boxes," and weigh over 60 to 70 pounds, "they are good to release to go find their own natural dens ahead of winter," the agency said. Releasing the bears into the wild The bears are taken to location where the wildlife agency has previously observed "great success in not seeing the bears turn back up as conflict bears or roadkill." Video footage shared by the agency shows the bears bolting and running away from the trucks towards the trees. "In both releases Wednesday, the cubs do exactly what we want: they bolt away and show their natural fear of humans," they said. Of the 25 cubs rehabilitated at Frisco Creek this year, eight were released Wednesday following three earlier last week. Eight more are expected will go out this week, the agency said, adding the remaining cubs “aren’t fat enough yet." Releasing the bears right now "maximizes their time in rehab, while also giving them time in the wild to prepare for hibernation (torpor) and building a den," the agency said. "The cubs that remain at Frisco Creek will continue to eat before going into artificial den boxes to be released later in January or February," the agency said. "We like to get cubs over 80 pounds for release to give them an extra head start on getting through winter and the early spring months." Saman Shafiq is a trending news reporter for USA TODAY. Reach her at sshafiq@gannett.com and follow her on X and Instagram @saman_shafiq7.

**NewHold Investment Corp. II Receives Notice of Delinquency from Nasdaq – Shares Await Compliance Plan**Revisiting Jinnah’s economic vision: A blueprint for Pakistan’s sustainable future Amid Pakistan’s economic challenges, Jinnah’s vision offers invaluable insights for shaping sustainable future As we commemorate Quaid-i-Azam Muhammad Ali Jinnah’s birth anniversary, it is crucial to revisit his economic vision for Pakistan. His aspirations for the nation were not confined to political independence but also encompassed building a strong, self-reliant, and welfare state. Amid Pakistan’s persistent economic challenges, Jinnah’s vision offers invaluable insights for shaping a sustainable future. Understanding his economic outlook, especially for the youth, is key to empowering them to transform the country’s economic future. Quaid-i-Azam believed that economic freedom and independence were fundamental to nation-building. In his inaugural address to the State Bank of Pakistan in 1948, he emphasised, “The adoption of Western economic theory and practice will not help us in achieving our goal of creating a happy and contented people.” This statement highlights the need for innovative and context-specific economic solutions. Today, Pakistan’s dependence on foreign debt poses a serious challenge to its sovereignty. As of 2024, Pakistan’s external debt stands at over $100 billion, with annual debt servicing consuming a substantial portion of the national budget. In the fiscal year 2023-24, debt servicing accounted for approximately 40% of the country’s total expenditures, reflecting the growing burden of foreign loans. Jinnah’s economic vision was influenced by his understanding of commerce and trade. Coming from a business family, he knew the importance of economic equity and opportunities for all citizens. During his studies in England, he observed the benefits of trade, investment, and industrialisation in Western economies, which shaped his belief in fostering a robust and inclusive economy. In the Quaid-i-Azam Papers, written by Zawar Hussain Zaidi, it is stated that for Jinnah, “commerce and trade are the very lifeblood of a nation.” Jinnah emphasised the significance of investing in the future. To reduce dependency on foreign debt, Pakistan must focus on developing local industries, improving resource management, and fostering innovation. Aligning policies with Jinnah’s vision of economic autonomy can help the country reduce its reliance on external financial assistance and create a more self-sustaining economic system. 1. Industrialisation: The backbone of economic prosperity Jinnah understood the crucial role of industrialisation in a nation’s economic success. Despite Pakistan’s limited resources at the time of independence, he championed industrial development through initiatives like the Pakistan Industrial Development Corporation (PIDC), which played a pivotal role in early industrial growth. However, over the years, industrial progress has stagnated. Pakistan’s reliance on imports and underdeveloped manufacturing sector underscores the need to revitalise Jinnah’s vision of a self-reliant industrial base, crucial for job creation, export and sustainable economic development. 2. Economic justice and equitable wealth distribution Jinnah’s economic vision was rooted in justice and fairness, with economic equity as a cornerstone for development. He believed that persistent inequality stifles productivity for a significant segment of the population, undermining overall growth. Quaid-i-Azam emphasised equality as fundamental to Pakistan’s economic plan. At a public meeting in Chittagong, he highlighted, “The great ideals of human progress, of social justice, of equality, and of fraternity constitute the basic causes of the birth of Pakistan.” After Pakistan’s independence, Jinnah expressed his dissatisfaction with the Western economic system, which he believed failed to provide an equitable framework globally. He advocated for a system that avoided widening the gap between the rich and the poor. Unfortunately, Pakistan has struggled to fulfill this vision. Rising inequality, ineffective redistribution mechanisms, and a widening wealth gap continue to hinder progress. Implementing Jinnah’s ideals through progressive taxation and targeted social welfare programs can help address these disparities. 3. Financial discipline and good governance Financial discipline was central to Jinnah’s policies. He warned against corruption, inefficiency, and resource mismanagement-issues that remain relevant today. However, these principles have often been ignored, leading to fiscal mismanagement, wasteful expenditures, and eroded public trust. Pakistan ranks 136th out of 167 countries in the Prosperity Index, based on indicators such as personal freedom, investment environment, and governance. Despite moving up 12 places since 2011, governance weaknesses, particularly in accountability and institutional capacity, continue to pull rankings down. To honour Jinnah’s legacy, Pakistan must enforce strict anti-corruption measures, improve governance transparency, and adopt prudent fiscal policies. These steps are crucial to restoring public confidence and achieving sustainable economic growth. 4. Role of trade and international relations in spurring economic growth Quaid-i-Azam envisioned Pakistan as a trade hub, leveraging its geo-political location to strengthen ties with neighbours, the Muslim world, and the West. Despite this vision, poor trade policies and geopolitical challenges have hindered progress. In FY 2023-2024, Pakistan’s merchandise exports grew by 10.54%, reaching $30.64 billion, contributing 23% to the GDP. However, Pakistan’s share in global merchandise trade remains at just 0.34%, reflecting untapped potential. Initiatives like the Special Investment Facilitation Council (SIFC), improved trade agreements, and export market diversification are critical to increasing this share. Reviving Jinnah’s emphasis on trade and economic diplomacy can help Pakistan integrate more effectively into the global economy, enhancing economic stability and growth. 5. Welfare state aspirations Jinnah aspired to create a welfare state where every citizen had access to basic necessities, including education, healthcare, and housing. He envisioned a system that balanced free-market principles with social responsibility, emphasising the state’s role in uplifting the underprivileged. According to the Human Development Report 2023-2024, Pakistan’s Human Development Index (HDI) value stands at 0.540, placing it in the “low” development category and ranking 164th out of 193 countries. Key factors contributing to this low ranking include a life expectancy of just 66.1 years, a gross national income (GNI) per capita of $4,600 (PPP), and significant challenges in education and healthcare. In comparison, India ranks 132nd, and Bangladesh ranks 129th. Pakistan’s failure to meet Jinnah’s welfare aspirations reflects inadequate investment in public services and resultant rising poverty levels. Bridging this gap requires significant investment in human development, particularly in education and healthcare, as well as targeted social welfare programs. 6. Economic integration of provinces Jinnah was fully aware of the economic disparities among Pakistan’s provinces and the need for integration to promote national unity. He advocated for equitable resource sharing and inclusive development to address regional grievances. His vision aimed at fostering inter-provincial harmony as a means of strengthening national solidarity. Today, tensions over fiscal allocation and resource management remain significant challenges. Projects like the China-Pakistan Economic Corridor (CPEC) have highlighted disparities in regional development and the need for more inclusive policies. Addressing vertical and horizontal imbalances in federal-provincial financial distribution is crucial for realising Jinnah’s vision. Policies that promote equitable economic opportunities and resource sharing across provinces can ensure sustainable and harmonious growth. Lessons for modern Pakistan Jinnah’s economic vision offers critical lessons for addressing Pakistan’s current challenges: * Reduction in debt dependency: Prioritise self-reliance by reducing foreign loans and focusing on domestic resource mobilization. * Employment opportunities: Promote industrialisation and vocational training to create jobs. * Curbing corruption: Strengthen accountability mechanisms and transparent governance to restore trust in public institutions. * Be a facilitator: Institutions like the Special Investment Facilitation Council (SIFC) can help implement investment-led growth and inclusive reforms. Quaid-i-Azam Muhammad Ali Jinnah’s economic vision remains a beacon of hope for Pakistan. His ideals of self-reliance, economic justice, and disciplined governance offer a roadmap for addressing the nation’s pressing challenges. As we honour his legacy, it is crucial for policymakers and citizens alike to align with his vision, ensuring a prosperous future for Pakistan. By fostering productivity, reducing dependency on foreign debt, and promoting inclusive growth, Pakistan can build a more equitable and sustainable economy. -The author is a political economist and the recipient of the prestigious Martin Luther King Award.

How to Watch Top 25 Women’s College Basketball Games – Tuesday, November 26AP Trending SummaryBrief at 5:39 p.m. EST

Kansas City Chiefs tight end Travis Kelce and his girlfriend Taylor Swift are one of, if not the most high-profile couple in professional sports right now. Anytime the two go anywhere together publicly, it draws a crowd — as does Swift’s solo entrances at Arrowhead Stadium when she shows up to support Kelce when he plays. But just because Kelce and Swift are in the limelight seemingly all the time, it doesn’t mean they’re exempt from some of the team rules the Chiefs have implemented for all of their players leading up to game days. Chariah Gordon, the fiancée of Chiefs receiver Mecole Hardman, recently told People.com that there are eight rules the team has for all of its players to follow, but there are three in particular that apply to Kelce and Swift’s relationship specifically. The first is an 11 p.m. curfew for all players the night before; no exceptions. The NFL CBA states that players can be penalized for curfew violations, which fall under “conduct detrimental to the team.” The second rule is that all significant others, even wives, must stay in separate rooms the night before games. While they are allowed to stay in the same hotel, players have to sleep solo — something Gordon said the team is really strict about. The third rule is that all players must get directly onto the team plane after away games and no significant others are allowed to tag along. Robert Deutsch-Imagn Images “You're more than welcome to go to a game and you can see them after, and then they're getting right back on the flight and they're coming right back home that night,” Jayla Thornton-Cook, wife to Chiefs safety Bryan Cook told People. Swift doesn’t have to worry much about that last one as she’s only attended home games this season due to security concerns at away stadiums due to a couple of incidents over the summer. Swift had to cancel a few of her “Eras Tour” shows in Austria before the season started due to a terrorist plot that she was allegedly the target of. She also had a stalker who was arrested in Germany in July after social media threats were made by him toward her and Kelce. Related: Chiefs President Sets the Record Straight on Travis Kelce-Taylor Swift Relationship Related: Taylor Swift Reportedly on High Alert After Travis Kelce’s Home Was BurglarizedWhen does Mercury retrograde in Sagittarius start and how could it affect you according to your sign?

BOSTON (AP) — Jaylen Brown scored the Celtics’ first 15 points on five consecutive 3-pointers and finished with 29 points, before Boston withstood a late charge to beat the Minnesota Timberwolves 107-105 on Sunday. Jayson Tatum added 26 points and eight rebounds to help Boston post a season-high fifth straight victory. Anthony Edwards had 28 points and nine rebounds for Minnesota, which has lost five of its last seven. Julius Randle added 23 points, and Rudy Gobert finished with 10 points and 20 rebounds, his eighth double-double of the season. Minnesota got within 55-54 early in the third quarter, before a 14-0 run by Boston. The spurt featured four 3s by the Celtics, including two by Tatum. The lead grew to 79-60 with 4:26 to play in the period. But the Timberwolves chipped it all the way down in the fourth, getting within 107-105 with 34 seconds left on a driving layup by Randle. Timberwolves: Minnesota will be looking to for some wins at home, after dropping four of its last five on the road. Celtics: The Celtics have struggled at home at times this season but improved to 6-2 at the Garden. The Timberwolves had the ball with 7.1 seconds and a chance to win. Edwards got the inbounds and tried to drive on Brown. But he was cut off, and the ball swung to Naz Reid, who failed to get off a 3 as time expired. Boston assisted on 25 of its 37 made field goals. The Timberwolves host Houston in NBA Cup play on Tuesday, beginning a four-game homestand. The Celtics host the Los Angeles Clippers on Monday night. AP NBA: https://apnews.com/hub/nba

The decision by Tesco, Musgrave and the BWG Group came after a woman who said Mr McGregor raped her won a civil claim for damages against him. Nikita Hand, who accused the sportsman of raping her in a Dublin hotel in December 2018, won her claim against him for damages in a case at the High Court in the Irish capital. In a statement, a spokesman for Musgrave said: “Musgrave can confirm these products are no longer available to our store network.” The network includes SuperValu, Centra, Daybreak and Mace. A Tesco spokesperson said: “We can confirm that we are removing Proper No Twelve Whiskey from sale in Tesco stores and online.” A spokesperson for BWG Group said: “The products are no longer listed for distribution across our network of Spar, Eurospar, Mace, Londis and XL stores, including Appleby Westward which operates over 300 Spar stores in the south west of England.” It is understood that other retail outlets including Costcutter and Carry Out will also stop stocking products linked to Mr McGregor. He and some of his business partners sold their majority stake in the Proper Number Twelve Irish whiskey brand. He was reported to have been paid more than £103 million from the sale to Proximo Spirits in 2021. On Monday, a popular video game developer decided to pull content featuring the MMA fighter. The Irish athlete has featured in multiple video games, including voice-acting a character bearing his likeness in additional downloadable content in the Hitman series. Mr McGregor’s character featured as a target for the player-controlled assassin in the game. IO Interactive, the Danish developer and publisher of Hitman, said in a statement: “In light of the recent court ruling regarding Conor McGregor, IO Interactive has made the decision to cease its collaboration with the athlete, effective immediately. “We take this matter very seriously and cannot ignore its implications. “Consequently, we will begin removing all content featuring Mr McGregor from our storefronts starting today.” Last Friday, the High Court jury awarded damages amounting to 248,603.60 euros (around £206,000) to Ms Hand. Mr McGregor made no comment as he left court but later posted on social media that he intended to appeal against the decision.

Middle East latest: Israeli raid and airstrikes in West Bank kill at least 8 Palestinians

The song is the second single to be released from the group's sixth album 'Renascence' Cymande have teamed up with Celeste on their anthemic new track ‘Only One Way’ from the group’s upcoming album. READ MORE: Celeste on her “natural” next album: “I just want to feel like it’s truly myself” Serving as the second single to be released from the British funk group’s album ‘Renascence’ and opens with a delicate piano riff followed by swelling strings and Celeste’ powerful and soulful voice singing: “Here you are again / In my arms / There you go again reaching for someone.” Speaking about the collaboration in a press release, Cymande’s Patrick Patterson shared: “We got together in New York some time ago. Celeste approached it melodically and lyrically from a perspective we thought was great, we came back to the UK and perfected it. Her performance is wonderful. It deserved an orchestral arrangement and we had an arranger, Chris Cameron, who could elevate it up to the firmament. He did a brilliant arrangement.” Celeste added: “It was a blustery New York day, I had just performed at Carnegie Hall, and was asked if I’d like to meet Cymande at a studio close by to Broadway. I immediately put my hat and coat on and made my way to meet Patrick and Steve at the studio. We spoke for a little while about all being Caribbean and then Patrick began to play the guitar, the words and the melody came so naturally and we cut a vocal that day. “We then met some months later to refine it all, in one of the first studios I’d been too many years before on Latimer Road, I think still partly owned by Damon Albarn, but now part of the Miloco studios. That’s when I met Adrian Reid, who made me feel so at ease and kindly offered me some piano lessons in the following months. She continued: “It all felt like a healing and enlightening experience to be around the guys, to hear their stories, see their faces and understand who they were and who they are now. Cymande had remained this great mystery to me, as I am sure they did to many others for a long period of time – these legends of this mystical cross genre – and to hear their account of their journey in music first hand, was affirming and assuring.” A post shared by Cymande (@cymandeofficial) ‘Only One Way’ follows the previously released ‘Chasing An Empty Dream’. Both songs will be featured on the group’s sixth album ‘Renascence’ which is set for release on January 31 2025 via BMG. You can pre-order it here . The album marks their first LP since 2015’s ‘A Simple Act Of Faith’. According to a press release, ‘Renascence’ will pick up “where their 1974 album Promised Heights left off – a spiritual and sonic follow-up, bringing a fresh modern edge to their iconic sound, which remains foundational to early hip-hop and funk scenes in the United States and UK. “‘Renascence’ tells the story of a band that never fully got its due back in the day, but are back to take the crown by remaining true to themselves – politically aware, and spiritually positive with infectious grooves.” A post shared by Cymande (@cymandeofficial) ‘Renascence’ tracklist is: 1. ‘Chasing An Empty Dream’ 2. ‘Road To Zion’ 3. ‘Only One Way’ (Featuring Celeste) 4. ‘Coltrane’ 5. ‘Sweeden’ 6. ‘How We Roll Featuring’ (Jazzie B) 7. ‘Heart Of The Willing’ 8. ‘I Wanna Know’ 9. ‘Darkest Night’ 10. ‘Carry the Word’ Cymande are also set to embark on a US and UK tour early next year. Check out a full list of tour dates below and visit here to purchase US tickets and here for UK tickets. Cymande’s 2025 UK and US tour dates are: FEBRUARY 13 – New York, NY – Irving Plaza 14 – Philadelphia, PA – Ardmore Music Hall 15 – Washington DC – Howard Theatre 18 – Chicago, IL – Metro 19 – Minneapolis, MN – Varsity Theatre 21 – Denver, CO – Bluebird 22 – Seattle, WA – Crocodile 23 – Portland, OR – Aladdin Theater 26 – San Francisco, CA – August Hall* 28 – Los Angeles, CA – The Bellwether MAY 25 – London, UK – Cross The Tracks Festival OCTOBER 17 – London, UK – O2 Academy Brixton Related Topics Celeste Funk SoulZUS Coffee – a Necessity, not a Luxury

NEW YORK — U.S. stocks rose to records Tuesday after Donald Trump's latest talk about tariffs created only some ripples on Wall Street, even if they could roil the global economy were they to take effect. The S&P 500 climbed 0.6% to top the all-time high it set a couple weeks ago. The Dow Jones Industrial Average added 123 points, or 0.3%, to its own record set the day before, while the Nasdaq composite gained 0.6% as Microsoft and Big Tech led the way. Stock markets abroad mostly fell after President-elect Trump said he plans to impose sweeping new tariffs on Mexico, Canada and China once he takes office. But the movements were mostly modest. Stock indexes were down 0.1% in Shanghai and nearly flat in Hong Kong, while Canada's main index edged down by less than 0.1%. Trump has often praised the use of tariffs, but investors are weighing whether his latest threat will actually become policy or is just an opening point for negotiations. For now, the market seems to be taking it more as the latter. The consequences otherwise for markets and the global economy could be painful. Unless the United States can prepare alternatives for the autos, energy products and other goods that come from Mexico, Canada and China, such tariffs would raise the price of imported items all at once and make households poorer, according to Carl Weinberg and Rubeela Farooqi, economists at High Frequency Economics. They would also hurt profit margins for U.S. companies, while raising the threat of retaliatory tariffs by other countries. And unlike tariffs in Trump's first term, his latest proposal would affect products across the board. General Motors sank 9%, and Ford Motor fell 2.6% because both import automobiles from Mexico. Constellation Brands, which sells Modelo and other Mexican beer brands in the United States, dropped 3.3%. The value of the Mexican peso fell 1.8% against the U.S. dollar. Beyond the pain such tariffs would cause U.S. households and businesses, they could also push the Federal Reserve to slow or even halt its cuts to interest rates. The Fed had just begun easing its main interest rate from a two-decade high a couple months ago to offer support for the job market. While lower interest rates can boost the economy, they can also offer more fuel for inflation. "Many" officials at the Fed's last meeting earlier this month said they should lower rates gradually, according to minutes of the meeting released Tuesday afternoon. The talk about tariffs overshadowed another mixed set of profit reports from U.S. retailers that answered few questions about how much more shoppers can keep spending. They'll need to stay resilient after helping the economy avoid a recession, despite the high interest rates imposed by the Fed to get inflation under control. A report on Tuesday from the Conference Board said confidence among U.S. consumers improved in November, but not by as much as economists expected. Kohl's tumbled 17% after its results for the latest quarter fell short of analysts' expectations. CEO Tom Kingsbury said sales remain soft for apparel and footwear. A day earlier, Kingsbury said he plans to step down as CEO in January. Ashley Buchanan, CEO of Michaels and a retail veteran, will replace him. Best Buy fell 4.9% after likewise falling short of analysts' expectations. Dick's Sporting Goods topped forecasts for the latest quarter thanks to a strong back-to-school season, but its stock lost an early gain to fall 1.4%. Still, more stocks rose in the S&P 500 than fell. J.M. Smucker had one of the biggest gains and climbed 5.7% after topping analysts' expectations for the latest quarter. CEO Mark Smucker credited strength for its Uncrustables, Meow Mix, Café Bustelo and Jif brands. Big Tech stocks also helped prop up U.S. indexes. Gains of 3.2% for Amazon and 2.2% for Microsoft were the two strongest forces lifting the S&P 500. All told, the S&P 500 rose 34.26 points to 6,021.63. The Dow gained 123.74 to 44,860.31, and the Nasdaq composite climbed 119.46 to 19,174.30. In the bond market, Treasury yields held relatively steady following their big drop from a day before driven by relief following Trump's pick for Treasury secretary. The yield on the 10-year Treasury inched up to 4.29% from 4.28% late Monday, but it's still well below the 4.41% level where it ended last week. In the crypto market, bitcoin continued to pull back after topping $99,000 for the first time late last week. It's since dipped back toward $91,000, according to CoinDesk. It's a sharp turnaround from the bonanza that initially took over the crypto market following Trump's election. That boom had also appeared to have spilled into some corners of the stock market. Strategists at Barclays Capital pointed to stocks of unprofitable companies, along with other areas that can be caught up in bursts of optimism by smaller-pocketed "retail" investors.

Corporate Training Market size is set to grow by USD 60.39 billion from 2024-2028, emergence of cost-effective e-learning training modules to boost the revenue- TechnavioCar owners could be missing out. When they pick up a new or used vehicle, the dealership or the private seller often fails to mention many of its neatest features. Perhaps the salesperson was in a rush because another customer was waiting, or maybe a private seller didn't even know about these features. While many of them can be found in the owner's manual, you'll probably only look in the manual if you already know the features exist. The RAV4 is no exception to this trend. In fact, given Toyota's long-time leadership in incorporating the latest technology into their vehicles, the brand's cars, trucks, and SUVs may have more hidden features than most manufacturers. Whether it's Toyota's advanced driver assist features , the new engines Toyota will release soon , or just thoughtful conveniences that the engineers slipped into each new car, RAV4 owners could spend hours studying their owner's manuals. This article will provide a shortcut by revealing some of the RAV4's secrets. The RAV4 is already a great option for a versatile SUV , but knowing these tricks can help to get the most out of driving it. Where possible, the model years for each feature will be specified. Your RAV4 may not have every option described below, so be sure to check your owner's manual to find out if your RAV4 includes any given option and to find out how to operate it, since equipment and procedures may vary slightly from year to year. Toyota's website has how-to videos describing how some systems work, and Toyota USA's YouTube channel has collected many RAV4 how-to videos into a playlist. Owners expect their SUVs to provide extra utility beyond a sedan or hatchback. The RAV4 takes that to the next level with a trick cargo floor that can be set to two different heights or flipped over for carrying messy loads on the plastic side. This feature can be found on RAV4s beginning with the 2019 model. When the cargo floor is set to the upper level, it makes a flat loading surface with the rear seats folded forward. At the lower level, it provides more than two extra inches of vertical space within the cargo area. For dirty loads and wet paws, flip the carpeted cargo floor over and expose the hard plastic underside. Some owners have reported that the cargo floor sags under heavy loads, especially when set to the upper level where there is a gap between the floor and the spare tire underneath it. They've shared solutions like foam blocks or a full-size spare tire to reinforce the floor, although a larger tire would eliminate the option to use the lower floor level. Prying eyes can see into an SUV's cargo area and spy on what you're carrying. To prevent this the RAV4 comes with a retractable rear cargo area cover. However, to make room for bulkier cargo, this cover is removable. Many SUVs offer removable versions of their cargo covers, but most of them don't provide an on-board location to stow them, forcing owners to stash them in the garage when they're not in use. In the RAV4, there's a storage area for the cover. To use it, first, retract the cover and pop it out of its brackets. Next, open the cargo area floor. On either side of the spare tire well are two small panels. Remove those and insert the cargo area cover across the tire area, resting the ends in the spaces revealed by removing the small panels. Pop the small panels back into place, and then put the cargo area floor back in place. If you fold the rear seat forward, you have unobstructed access to the full volume of the RAV4's cargo capacity. Toyota Safety Sense (TSS) debuted in 2015, making Toyota one of the first automakers to offer a comprehensive suite of high-tech driver assistance features. You don't need to know all the details of how Toyota Safety Sense works to benefit from it, but it doesn't hurt to understand the broad outlines of its operation and how to keep it functioning well. TSS uses radar and a forward-looking camera to enable features like the Pre-Collision System, Lane Tracing Assist, and more. The camera is located on the inside of the windshield at the top center, in the area of the rearview mirror. The radar sensor is located inside the grille behind the badge. The radar sensor is more likely to get dirty and thus prevent features like the Dynamic Radar Cruise Control from functioning. Wiping the sensor cover (which may also cover the badge) or the sensor itself with a soft cloth will remove road grime, snow, and other obstructions. Since the camera is inside the windshield glass, keeping the windshield clean will keep it functioning. If grime gets inside the glass and obscures the camera, your Toyota dealer will need to clean it for you; do not try to disassemble the camera to clean it. Also, do not put stickers, graphics, or custom accessories over the camera. This last piece of advice applies to the radar sensor cover, too. Owners may not know that many of Toyota Safety Sense's settings are adjustable. In recent models, most of them can be adjusted via the Settings menu on the multi-information display located at the center of the instrument panel. Switches on the steering wheel enable drivers to scroll through the options on the display and choose the settings they want to adjust. For example, it's possible to adjust the Pre-Collision System (PCS) with Pedestrian Detection for a longer or shorter warning time. Use the directional arrows on the steering wheel switches to pick the Settings menu on the multi-information display, which has an icon that looks like a gear. Press the OK button and use the arrows to move to the PCS icon, which may look like a tiny diagram of two cars colliding. Click OK again. Arrow down to the Warning Timing setting. Clicking OK will cycle through the three available warning times. Pick the one you want, then click on the left-pointing arrow to exit this menu. This menu also lets you turn the PCS system off. Other features can also be customized from the Settings menu. For example, the Lane Departure Assist system's alert time can be adjusted, or the system can be turned off. The Road Sign Assist feature can be turned on or off from this menu. In vehicles with Proactive Driving Assist, the sensitivity can be adjusted. Alerts for the Blind Spot Monitoring and Rear Cross Traffic Alert systems can be changed in the Settings menu, too. What seems like a simple key fob is a hidden wonder. Features may vary depending on the model year of each RAV4, but most fobs include a hidden mechanical key, adjustable lock settings, and an easy way to pop open the fob to change the battery yourself. Toyota calls its key the Smart Key, which it introduced in 2004 on the Prius, from which it spread over the next few years to most Toyota models. The key fob has a button on the side that releases the mechanical key, which then slides out of the bottom of the fob. Insert the mechanical key into the driver's side door lock and turn it to the right once to unlock the driver's door and twice to unlock all doors. Turn it to the left to lock all doors. This comes in handy if the key fob's battery dies. If that happens, there's no need to bring the fob to the dealer to replace the battery. When the mechanical key is in its slot on the key fob, its base covers an additional slot. Remove the mechanical key from the fob, insert it into the other slot (which is now exposed), and turn it to pop open the fob. The battery is located behind the circuit board; remove the board and use the tip of the key to remove the battery. Replace it with a new CR2032 lithium battery , reset the circuit board, and snap the fob back together. Newer Toyotas may offer a digital car key, which lets you unlock and start your vehicle with a cell phone. This is more secure than key fobs, although some argue that there are potential risks from digital car keys , too. Many RAV4s from 2020 onward come equipped with Toyota's Wi-Fi Connect, a suite of features offering a mobile Wi-Fi hotspot and integrated streaming of Apple Music and Amazon Music, along with other services. Note that these are optional add-ons and come with subscription fees, although new RAV4s may offer free introductory subscription periods. Wi-Fi Connect uses AT&T's 4G LTE network to turn the RAV4 into a rolling hotspot. Once connected, Integrated Streaming enables your existing Apple Music or Amazon Music subscriptions to play through the RAV4's stereo system. Apple Music offers over 100 million songs and thousands of playlists, while Amazon Music offers 90 million songs and new releases. Wi-Fi Connect also enables other services designed to make RAV4 ownership more convenient. Remote Connect lets your cell phone lock and unlock the RAV4's doors, remotely start the engine, and activate headlights, hazard lights, and climate controls. Drive Connect delivers cloud navigation, Destination Assist, and a voice-activated onboard assistant for finding locations, sending messages, and more. Service Connect also provides vehicle health reports, maintenance reminders, and maintenance alerts which are sent to you and your Toyota dealer. Many newer RAV4 models offer Safety Connect features to increase your peace of mind. These come to your rescue if the worst should happen. Please note that these are subscription-based services that require a monthly fee. The first Safety Connect system is the Emergency Assist Button, which connects you with a live dispatcher available 24 hours a day who can send emergency services to your location. If you are in an accident and can't operate the Emergency Assist Button yourself, then Toyota's Automatic Collision Notification will sense that the vehicle has been in a crash and autonomously notify the dispatch center. There, an agent will send emergency services to the RAV4's location via GPS and will also attempt to speak with the occupants by phone. The Stolen Vehicle Locator service activates after you file a police report stating that your RAV4 has been stolen. Toyota will use GPS to help authorities to locate it. This information will only be shared with police for purposes of recovering the vehicle. As the driver, you know the dashboard and center console like the back of your hand. However, when a passenger asks where to plug in a phone or when you need to connect a vacuum or other accessory to onboard power, you may discover that you don't know the interior layout as well as you thought. Your RAV4 offers multiple USB ports and 120V outlets to make life easier for your passengers and you. The following list of ports and outlets is for a 2021 RAV4, and other models may not offer the same configuration. Consult the owner's manual for different model years. First, there are four USB charging ports in the center console, with two on the front of the console and two in the back, facing rear seat passengers. There are two 12V 120W auxiliary power outlets, one in the front storage tray and one in the rear cargo area. Additionally, higher trim levels offer an optional 12V 1500W AC power outlet in the rear cargo area. Premium trim levels also come standard with a Qi-compatible wireless smartphone charger. SUVs are workhorses and can be expected to pull trailers ranging from campers to transports for RVs, jet skis, and more. Trailer sway is one of the biggest hazards of trailering, resulting in the trailer fishtailing from side to side in greater and greater arcs, usually at higher speeds. It can be caused by unbalanced loads, high winds, or turbulence from passing trucks. Anti-trailer-sway systems are among essentials for towing trailers or campers , but the RAV4 features its own anti-sway system. Trailer Sway Control (TSC) has been available on some RAV4 models since 2017 and more recently expanded across most trim levels. It uses the RAV4's Vehicle Stability Control system to apply the brakes individually to each wheel to bring the vehicle and its trailer back under control. This eliminates one of the most frightening experiences a driver can experience while towing a trailer and greatly enhances safety. Traction and fuel economy are both critical to a compact SUV. Dynamic Torque Vectoring and Rear Driveline Disconnect help to improve both of these areas in the RAV4, making it one of the most fuel-efficient vehicles in its class while still giving it genuine off-road capability. Both systems are standard on certain trim levels of all-wheel-drive RAV4s in recent model years. Dynamic Torque Vectoring is used to distribute traction between the rear wheels. Using special couplings, it delivers torque to whichever wheel is in contact with the surface in situations where one wheel is off the ground. This can happen on a trail where rocks, ruts, or tree roots have temporarily hung one rear wheel up in the air, in which case power is rerouted to the other rear wheel. By contrast, when an AWD RAV4 is driving on-road with good traction, the AWD system isn't needed. The Rear Driveline Disconnect uses a special clutch to disengage the rear wheels, stop the driveshaft from rotating, and send all power to the front wheels. This reduces friction and the amount of energy needed, improving fuel efficiency. Many drivers may find that this is one of the most exciting hidden features since it has the biggest benefit for day-to-day driving. In normal reflective mode, the mirror shows only what can be seen through the rear windshield, framed by the inside of the cabin. If there are rear-seat passengers or items piled up in the cargo area, the view is even further obscured. By contrast, when the digital rearview mirror is engaged, it uses a camera on the rear of the vehicle to transmit a view directly to a display built into the mirror. It shows a broad and clear vista of what's behind the RAV4 with no obstructions. If your RAV4 has this system, you'll find a camera at the top of the inside of the rear windshield, just below the center high-mounted stop light. To switch the rearview mirror from the traditional reflective view to the camera view, pull forward on the switch that looks like what you would usually use to engage the night mirror setting on a regular mirror. If the digital rearview mirror is present, instead of switching to a night mirror, the display will activate and show the camera view. Cameras also give access to two more of the RAV4's hidden features. The Panoramic View Monitor with Perimeter Scan, also called the Bird's-eye View Monitor in some earlier models, uses four cameras to stitch together an overhead view of the RAV4 and its surroundings. The cameras are located in the front, the rear, and under each side view mirror. This can be invaluable when navigating through tight spaces. To activate this feature, the parking assist must be turned on, and the driver must touch an icon above the center console display. When this system is in drive instead of reverse and the vehicle is traveling under six miles per hour, the system lets you choose a front wide-angle view or dual side views. These can be useful in tight parking spaces, on narrow roads without much room to pass parked vehicles, or on trails where you want a better look at potential obstacles.