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DEADLINE ALERT for ACHC, MAPS, TD, MYNA: Law Offices of Howard G. Smith Reminds Investors of Class Actions on Behalf of ShareholdersElite domination LAHORE: Despite various reforms, Pakistan continues to exhibit traits of an elitist economy, marked by concentrated economic power, inequitable resource allocation, taxation loopholes and industrial cartelisation. Landowners, industrialists and political elites dominate key economic sectors, shaping fiscal policies to their advantage. A narrow tax base with minimal contributions from the wealthiest segments reflects the elite’s influence. Development resources disproportionately target urban and elite-centric projects, leaving rural and underserved regions neglected. Powerful cartels in industries such as sugar, cement, and pharmaceuticals stifle market competition. Efforts to broaden the economic base, such as microfinance initiatives and SME promotion, have had limited impact due to entrenched structural issues and political resistance.An elitist economy refers to a system where policies and benefits disproportionately favour a small, privileged group at the expense of the broader population. Characteristics of such a system include wealth concentration, limited social mobility and restricted access to resources like land, credit and education. Elites benefit from policies designed to protect their interests through subsidies, favourable taxation and monopolies. To transition towards an inclusive economy, Pakistan must address several critical areas: Land reforms: redistribute land to ensure equitable agricultural resource access. Progressive taxation: tax the wealthiest segments effectively and direct revenues toward public welfare projects. Equitable credit access: promote financial inclusion for small businesses, farmers and marginalised groups. Social investments: increase funding for education, healthcare and skill development to empower underprivileged communities. Institutional strengthening: combat corruption and ensure transparency for fair public resource distribution. SME support: enhance entrepreneurial opportunities by reducing market-entry barriers. Dismantling Pakistan’s elitist culture faces significant obstacles. Many elites are entrenched in political structures and resist reforms that threaten their dominance. Weak institutional capacity hampers the implementation and enforcement of inclusive policies. Cultural norms and patronage systems perpetuate inequality, while a large informal economy enables elites to evade taxation and regulation.Achieving inclusivity requires not just policy changes but also a societal shift, strong political will and sustained grassroots movements.India: some states achieved success with land reforms and reservations for marginalised communities, while rural development programmes like MGNREGA provided support to the poorest. However, significant inequality remains, particularly in education and healthcare access. Bangladesh: microfinance initiatives, such as the Grameen Bank, empowered rural women and reduced poverty. Export-led growth in the garment sector created jobs for low-income workers, and investments in health and education improved human development indicators. Sri Lanka: universal free education and healthcare since independence have ensured broader access to essential services. Land redistribution programmes in the mid-20th century reduced rural poverty. However, regional disparities and post-conflict recovery challenges continue to cause income inequality. Among these nations, Sri Lanka appears the least elitist due to its commitment to universal services, which have narrowed disparities. Bangladesh follows closely, driven by grassroots development initiatives and inclusivity in the garment industry. India lags behind, grappling with regional inequalities and a vast population despite notable progress in certain areas.

Apple Just Unveiled Its Black Friday Event: Gift Cards With iPhone 15, SEWashington (6-5) at No. 1 Oregon (11-0) 4:30 p.m. | Autzen Stadium | Eugene, Oregon TV: NBC | Streaming: Peacock | Radio: SportsRadio 93.3-FM KJR Jump to: Live updates » | Comments »INDIANAPOLIS (AP) — The Indianapolis Colts defense started this season struggling. It couldn't stop the run, couldn't keep teams out of the end zone, couldn't get off the field. Now the script has flipped. Defensive coordinator Gus Bradley's group is playing stouter, holding teams — even the high-scoring Detroit Lions — largely in check long enough to give Indy a chance to win, and it's the Colts offense that has struggled. “They are playing their tails off. You don’t want them on the field a bunch and as an offense you want to be able to play complementary football,” running back Jonathan Taylor said after Sunday's 24-6 loss. “I would say specifically on offense, it sucks when you can’t help your defense out when they are fighting their tails off all game.” Indy's defense held up its end of the bargain by limiting the Lions (10-1) to 14 first-half points and allowing just 24, matching Detroit's lowest output since Week 3. The problem: Even when the Colts (5-7) did get Detroit off the field, they couldn't sustain drives or score touchdowns. Again. Anthony Richardson provided the bulk of the ground game by rushing 10 times for 61 yards, mostly early. Taylor managed just 35 yards on 11 carries and a season-high 10 penalties constantly forced the Colts to dig out from deep deficits. Part of that was by design. “We knew Jonathan Taylor was going to be the guy we needed to shut down,” Lions coach Dan Campbell said. “We did that. The quarterback runs. It got us on a couple but overall, we did what we needed to do, and we kept them out of that game." Part of it could be because of an injury-battered offensive line that has started three rookies each of the past two weeks and finished the previous game with the same three rookies. Whatever the fix, Indy needs a good solution. There is good news for Indy is that its schedule now gets substantially more manageable. After losing four of five, all to teams in playoff position and three to division leaders, Indy faces only one team with a winning record in its final five games. The most recent time the Colts played a team with a losing mark, Richardson rallied them past the New York Jets 28-27. But Colts coach Shane Steichen knows that's not the answer. The Colts must get this offense righted now. “We’ve got to get that figured out. We’ve got to get him going on the ground,” Steichen said when asked about Taylor, who has 92 yards on his past 35 carries. “We’ll look at the offensive line. We’ll look at everything." What’s working Pass rush. Pro Bowl DT DeForest Buckner's presence certainly has been felt since he returned from a sprained ankle Oct. 27. In those past five games, the Colts have had 14 sacks, including three of Jared Goff on Sunday. What needs work Penalties. The Colts have had one of the cleanest operations in the league most of this season. Sunday was an anomaly, but one that can't merely be written off. Stock up WR Michael Pittman Jr. The five-year veteran is one of the league's toughest guys, but playing through a back injury appeared to take its toll on Pittman's productivity. Since sitting out in Week 10, Pittman has 11 receptions for 142 yards including six for 96 yards, his second-highest total of the season, Sunday. Stock down Tight ends. Each week the Colts want their tight ends to make an impact. And each week, they seem to fail. It happened again Sunday when Drew Ogletree dropped a TD pass that would have given Indy a 10-7 lead. Instead, Indy settled for a field goal and a 7-6 deficit. Through 12 games, Indy's tight ends have a total of 26 catches, 299 yards and two TDs. That's just not good enough in a league where versatile, productive tight ends increasingly signal success. Injuries Pittman and WR Josh Downs both returned to the game after leaving briefly with shoulder injuries. WR Ashton Dulin did not return after hurting his foot in the second half. But the bigger questions come on the offensive line. LT Bernhard Raimann (knee) was inactive Sunday, and rookie center Tanor Bortolini entered the concussion protocol Monday. Bortolini was one of three rookie starters the past two weeks, replacing Pro Bowler Ryan Kelly who is on injured reserve. Key number 55.88 — Indy has scored touchdowns on 55.88% of its red zone trips this season. While it puts it near the middle of the NFL, it's cost the Colts multiple wins. Next steps Richardson needs to rebound from this latest 11 of 28 performance and show he can lead the Colts to victories week after week. He'll get plenty of chances over the season's final month, starting with next week's game at the New England Patriots. AP NFL: https://apnews.com/hub/nfl

There would be no second chances this time. has been prone to in-race lapses of judgement and concentration in 2024 but here, with a 26-year hoodoo solely in his hands, the Bristolian gave his beloved a long-awaited constructors’ championship at the season-finale. Norris, pole-sitter and the quickest man all weekend, kept it clean and avoided trouble – where his teammate Oscar Piastri did not – to win the and seal the teams’ title for the papaya. Ferrari did their best, with Carlos Sainz and Charles Leclerc both on the podium, but ultimately a 14-point advantage was enough. The last time McLaren sealed the constructors’ championship, Mika Hakkinen and David Coulthard were the drivers in the 1998 MP4/13 cockpit. Both were present here in Abu Dhabi as one of F1’s biggest teams ended their long wait in the MCL38. As for , in his 246 and final race for Mercedes, a trademark charge through the field. Starting in 16 , the seven-time world champion ended the with a fourth-place finish, passing George Russell on the last lap. He parked his car on the home straight at the end, waved to the crowd and said his goodbyes. Ferrari, and all the glamour that goes with it, awaits Hamilton as he heads into his 40s. Russell finished fourth and Max Verstappen in sixth, as he dropped back after a penalty for clattering into Piastri’s rear-left wheel a matter of seconds into the race. Piastri recovered for 10 , but no matter. His teammate had secured the crowning moment. “It feels incredible, not for myself but for the whole team,” he said. “It’s been a long journey and to end the season like this is perfect. “To win a constructors’ [title] after 26 years is pretty special. Zak has already said we’re going to get pretty hammered tonight!” It ended in ideal fashion after a start which was far from it. The Yas Marina Circuit, with its short home straight, is not prone to drama at turn one on lights out. But this year, as McLaren simply needed a clean get-away for both their drivers, a Verstappen-shaped curveball threw open the race for the title. The Dutchman surged down the inside and clipped Piastri, who spun and dropped down to last. Fortunately, his McLaren was not irrevocably damaged but the usually mild-mannered Australian sharply gave his verdict over team radio. “Yep, move of a world champion that one.” Verstappen was duly given a 10-second time penalty, though Piastri himself received the same judgement from the stewards after crashing with the rear of Franco Colapinto, giving the Williams a puncture. Mercifully for Zak Brown’s team, and their fans watching back at the McLaren technology centre in Woking, Norris was unimpacted by the first-lap shenanigans and led, comfortably, through the first phase of the 58-lap race. The Brit pitted on lap 26. Would the mechanics hold their nerve? You bet they would. A two-second pit-stop meant Norris rejoined the race still in P1 and, with the quickest racepace on the track, the Brit just had to keep it error-free to hand McLaren their prized silverware. 1. Lando Norris (McLaren) 2. Carlos Sainz (McLaren) 3. Charles Leclerc (Ferrari) 4. Lewis Hamilton (Mercedes) 5. George Russell (Mercedes) 6. Max Verstappen (Red Bull) 7. Pierre Gasly (Alpine) 8. Nico Hulkenberg (Haas) 9. Fernando Alonso (Aston Martin) 10. Oscar Piastri (McLaren) No ignoring yellow flags like last week in Qatar. No flirting with the wall like in Singapore. Norris was assured, composed and by a margin of eight seconds took the chequered flag for his fifth win in Formula 1. Cue jubilation from the orange-clad personnel on the pit-wall. For a team in no man’s land at the start of the season, it has been a superb turnaround from team principal Andrea Stella – formerly of Ferrari – and his engineers. Norris’ goal now, with a sense of longing about what might have been this year, will be an individual title pursuit more complete and cool-headed than last year’s topsy-turvy campaign. He even referenced it on the team radio straight after the race. “So proud of you all, you deserve this, thank you so much,” he said. “This is our year. Next year is going to be mine too.”

Single Man’s Fake Couple Photos Go Viral For All The Right ReasonsDiscover exclusive installment offers on appliances, furniture, and gadgets to bring home the perfect gifts for yourself and your loved ones this holiday season The holiday season holds a special place in the hearts of us Filipinos. It is a time for sharing love and appreciation with family and loved ones. As the season draws near, many of us diligently save up to make it truly memorable, showering our loved ones with thoughtful gifts. However, life often throws curveballs in the form of unexpected expenses, potentially derailing those well-laid plans and leaving some to settle for less or compromise with “pwede na.” This holiday season, Home Credit Philippines, the country’s leading consumer finance company, is making spirits bright with its Todo Pasko deals. Thoughtfully made to help Filipinos avoid holiday compromises, these offers make it easier for you to acquire the perfect gifts for yourself and your loved ones without putting a strain on your budget. With Home Credit’s Todo Pasko deals , your holiday wish list is within reach, allowing you to reward yourself for your hard work and fully embrace the joy of giving this season. Embrace the holiday spirit with incredible offers as low as 0% interest on a wide range of products available until January 31, 2025, while some eligible customers will also have the option of no downpayment. Upgrade your home and elevate your celebrations with top-of-the-line appliances, including refrigerators, ovens, televisions, washing machines, karaoke sets, and much more. Todo Pasko also extends to the latest gadgets, including smartphones, laptops, and even accessories. Treat yourself and your loved ones to cutting-edge technology, boosting productivity and amplifying entertainment as you step into the new year. And to complete your holiday haven, explore a wide selection of furniture to refresh your living space. Create a stylish and comfortable setting for holiday gatherings or simply elevate your home’s ambiance. Taking advantage of these incredible offers is easier than ever! Choose from a variety of installment plans, ranging from six to 18 months, to suit your budget. With just one valid ID, qualified customers can enjoy a swift application process and receive approval in as fast as one minute. Todo Pasko deals are available at over 15,000 Home Credit partner stores across 75 provinces nationwide. This Holiday season , kayang-kaya mong itodo ang Pasko with Home Credit’s Todo Pasko deals . Imagine the delight on your loved ones’ faces as they unwrap the appliances, gadgets, and furniture they’ve been dreaming of. After a year of hard work and dedication, everyone deserves to be rewarded, and that includes you! Streamline your holiday shopping with the Home Credit App! Download it today from Google Play or the App Store for quick and easy pre-approval on product installments. Need assistance? Our friendly Home Credit sales representatives are ready to help at any partner store. To discover the latest deals and locate your desired appliances, gadgets, and furniture at nearby partner stores, you can also visit the Shoppingmall.ph. This platform provides a comprehensive overview of Home Credit’s Todo Pasko offers, ensuring you find the perfect gifts for everyone on your list. To learn more about the latest updates from Home Credit Philippines, visit its official website, www.homecredit.ph . You may also follow its official Facebook , Instagram , and TikTok accounts. Home Credit Philippines is a financing company duly licensed and supervised by the Securities and Exchange Commission (SEC) and the Bangko Sentral ng Pilipinas (BSP). More information on HCPH is available at www.homecredit.ph . Being business-savvy should be fun, attainable and A+. BMPlus is BusinessMirror's digital arm with practical tips & success stories for aspiring and thriving millennial entrepreneurs.US budget airlines are struggling. Will pursuing premium passengers solve their problems?

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