As open enrollment for Affordable Care Act plans continues through Jan. 15, you’re likely seeing fewer social media ads promising monthly cash cards worth hundreds, if not thousands, of dollars that you can use for groceries, medical bills, rent and other expenses. But don’t worry. You haven’t missed out on any windfalls. Clicking on one of those ads would not have provided you with a cash card — at least not worth hundreds or thousands. But you might have found yourself switched to a health insurance plan you did not authorize, unable to afford treatment for an unforeseen medical emergency, and owing thousands of dollars to the IRS, according to an ongoing lawsuit against companies and individuals who plaintiffs say masterminded the ads and alleged scams committed against millions of people who responded to them. The absence of those once-ubiquitous ads are likely a result of the federal government suspending access to the ACA marketplace for two companies that market health insurance out of South Florida offices, amid accusations they used “fraudulent” ads to lure customers and then switched their insurance plans and agents without their knowledge. In its suspension letter, the Centers for Medicare & Medicaid Services (CMS) cited “credible allegations of misconduct” in the agency’s decision to suspend the abilities of two companies — TrueCoverage (doing business as Inshura) and BenefitAlign — to transact information with the marketplace. CMS licenses and monitors agencies that use their own websites and information technology platforms to enroll health insurance customers in ACA plans offered in the federal marketplace. The alleged scheme affected millions of consumers, according to a lawsuit winding its way through U.S. District Court in Fort Lauderdale that seeks class-action status. An amended version of the suit, filed in August, increased the number of defendants from six to 12: — TrueCoverage LLC, an Albuquerque, New Mexico-based health insurance agency with large offices in Miami, Miramar and Deerfield Beach. TrueCoverage is a sub-tenant of the South Florida Sun Sentinel in a building leased by the newspaper in Deerfield Beach. — Enhance Health LLC, a Sunrise-based health insurance agency that the lawsuit says was founded by Matthew Herman, also named as a defendant, with a $150 million investment from hedge fund Bain Capital’s insurance division. Bain Capital Insurance Fund LP is also a defendant. — Speridian Technologies LLC, accused in the lawsuit of establishing two direct enrollment platforms that provided TrueCoverage and other agencies access to the ACA marketplace. — Benefitalign LLC, identified in the suit as one of the direct enrollment platforms created by Speridian. Like Speridian and TrueCoverage, the company is based in Albuquerque, New Mexico. — Number One Prospecting LLC, doing business as Minerva Marketing, based in Fort Lauderdale, and its founder, Brandon Bowsky, accused of developing the social media ads that drove customers — or “leads” — to the health insurance agencies. — Digital Media Solutions LLC, doing business as Protect Health, a Miami-based agency that the suit says bought Minerva’s “fraudulent” ads. In September, the company filed for Chapter 11 protection from creditors in United States Bankruptcy Court in Texas, which automatically suspended claims filed against the company. — Net Health Affiliates Inc., an Aventura-based agency the lawsuit says was associated with Enhance Health and like it, bought leads from Minerva. — Garish Panicker, identified in the lawsuit as half-owner of Speridian Global Holdings and day-to-day controller of companies under its umbrella, including TrueCoverage, Benefitalign and Speridian Technologies. — Matthew Goldfuss, accused by the suit of overseeing and directing TrueCoverage’s ACA enrollment efforts. All of the defendants have filed motions to dismiss the lawsuit. The motions deny the allegations and argue that the plaintiffs failed to properly state their claims and lack the standing to file the complaints. The Sun Sentinel sent requests for comment and lists of questions about the cases to four separate law firms representing separate groups of defendants. Three of the law firms — one representing Brandon Bowsky and Number One Prospecting LLC d/b/a Minerva Marketing, and two others representing Net Health Affiliates Inc. and Bain Capital Insurance Fund — did not respond to the requests. A representative of Enhance Health LLC and Matthew Herman, Olga M. Vieira of the Miami-based firm Quinn Emanuel Urquhart & Sullivan LLP, responded with a short message saying she was glad the newspaper knew a motion to dismiss the charges had been filed by the defendants. She also said that, “Enhance has denied all the allegations as reported previously in the media.” Catherine Riedel, a communications specialist representing TrueCoverage LLC, Benefitalign LLC, Speridian Technologies LLC, Girish Panicker and Matthew Goldfuss, issued the following statement: “TrueCoverage takes these allegations very seriously and is responding appropriately. While we cannot comment on ongoing litigation, we strongly believe that the allegations are baseless and without merit. “Compliance is our business. The TrueCoverage team records and reviews every call with a customer, including during Open Enrollment when roughly 500 agents handle nearly 30,000 calls a day. No customer is enrolled into any policy without a formal verbal consent given by the customer. If any customer calls in as a result of misleading content presented by third-party marketing vendors, agents are trained to correct such misinformation and action is taken against such third-party vendors.” Through Riedel, the defendants declined to answer follow-up questions, including whether the company remains in business, whether it continues to enroll Affordable Care Act clients, and whether it is still operating its New Mexico call center using another affiliated technology platform. The suspension notification from the Centers for Medicare and Medicaid Services letter cites several factors, including the histories of noncompliance and previous suspensions. The letter noted suspicion that TrueCoverage and Benefitalign were storing consumers’ personally identifiable information in databases located in India and possibly other overseas locations in violation of the centers’ rules. The letter also notes allegations against the companies in the pending lawsuit that “they engaged in a variety of illegal practices, including violations of the (Racketeer Influenced & Corrupt Organizations, or RICO Act), misuse of consumer (personal identifiable information) and insurance fraud.” The amended lawsuit filed in August names as plaintiffs five individuals who say their insurance plans were changed and two agencies who say they lost money when they were replaced as agents. The lawsuit accuses the defendants of 55 counts of wrongdoing, ranging from running ads offering thousands of dollars in cash that they knew would never be provided directly to consumers, switching millions of consumers into different insurance policies without their authorization, misstating their household incomes to make them eligible for $0 premium coverage, and “stealing” commissions by switching the agents listed in their accounts. TrueCoverage, Enhance Health, Protect Health, and some of their associates “engaged in hundreds of thousands of agent-of-record swaps to steal other agents’ commissions,” the suit states. “Using the Benefitalign and Inshura platforms, they created large spreadsheet lists of consumer names, dates of birth and zip codes.” They provided those spreadsheets to agents, it says, and instructed them to access platforms linked to the ACA marketplace and change the customers’ agents of record “without telling the client or providing informed consent.” “In doing so, they immediately captured the monthly commissions of agents ... who had originally worked with the consumers directly to sign them up,” the lawsuit asserts. TrueCoverage employees who complained about dealing with prospects who called looking for cash cards were routinely chided by supervisors who told them to be vague and keep making money, the suit says. When the Centers for Medicare and Medicaid Services began contacting the company in January about customer complaints, the suit says TrueCoverage enrollment supervisor Matthew Goldfuss sent an email instructing agents “do not respond.” The lawsuit states the “scheme” was made possible in 2021 when Congress passed the American Rescue Plan Act in the wake of the COVID pandemic. The act made it possible for Americans with household incomes between 100% and 150% of the federal poverty level to pay zero in premiums and it enabled those consumers to enroll in ACA plans all year round, instead of during the three-month open enrollment period from November to January. Experienced health insurance brokers recognized the opportunity presented by the changes, the lawsuit says. More than 40 million Americans live within 100% and 150% of the federal poverty level, while only 15 million had ACA insurance at the time. The defendants developed or benefited from online ads, the lawsuit says, which falsely promised “hundreds and sometimes thousands of dollars per month in cash benefits such as subsidy cards to pay for common expenses like rent, groceries, and gas.” Consumers who clicked on the ads were brought to a landing page that asked a few qualifying questions, and if their answers suggested that they might qualify for a low-cost or no-cost plan, they were provided a phone number to a health insurance agency. There was a major problem with the plan, according to the lawsuit. “Customers believe they are being routed to someone who will send them a free cash card, not enroll them in health insurance.” By law, the federal government sends subsidies for ACA plans to insurance companies, and not to individual consumers. Scripts were developed requiring agents not to mention a cash card, and if a customer mentions a cash card, “be vague” and tell the caller that only the insurance carrier can provide that information, the lawsuit alleges. In September, the defendants filed a motion to dismiss the claims. In addition to denying the charges, they argued that the class plaintiffs lacked the standing to make the accusations and failed to demonstrate that they suffered harm. The motion also argued that the lawsuit’s accusations failed to meet requirements necessary to claim civil violations of the RICO Act. Miami-based attorney Jason Kellogg, representing the plaintiffs, said he doesn’t expect a ruling on the motion to dismiss the case for several months. The complaint also lists nearly 50 companies, not named as defendants, that it says fed business to TrueCoverage and Enhance Health. Known in the industry as “downlines,” most operate in office parks throughout South Florida, the lawsuit says. The lawsuit quotes former TrueCoverage employees complaining about having to work with customers lured by false cash promises in the online ads. A former employee who worked in the company’s Deerfield Beach office was quoted in the lawsuit as saying that senior TrueCoverage and Speridian executives “knew that consumers were calling in response to the false advertisements promising cash cards and they pressured agents to use them to enroll consumers into ACA plans.” A former human resources manager for TrueCoverage said sales agents frequently complained “that they did not feel comfortable having to mislead consumers,” the lawsuit said. Over two dozen agents “came to me with these complaints and showed me the false advertisements that consumers who called in were showing them,” the lawsuit quoted the former manager as saying. For much of the time the companies operated, the ACA marketplace enabled agents to easily access customer accounts using their names and Social Security numbers, change their insurance plans and switch their agents of record without their knowledge or authorization, the lawsuit says. This resulted in customers’ original agents losing their commissions and many of the policyholders finding out they suddenly owed far more for health care services than their original plans had required, the suit states. It says that one of the co-plaintiffs’ health plans was changed at least 22 times without her consent. She first discovered that she had lost her original plan when she sought to renew a prescription for her heart condition and her doctor told her she did not have health insurance, the suit states. Another co-plaintiff’s policy was switched after her husband responded to one of the cash card advertisements, the lawsuit says. That couple’s insurance plan was switched multiple times after a TrueCoverage agent excluded the wife’s income from an application so the couple would qualify. Later, they received bills from the IRS for $4,300 to cover tax credits issued to pay for the plans. CMS barred TrueCoverage and BenefitAlign from accessing the ACA marketplace. It said it received more than 90,000 complaints about unauthorized plan switches and more than 183,500 complaints about unauthorized enrollments, but the agency did not attribute all of the complaints to activities by the two companies. In addition, CMS restricted all agents’ abilities to alter policyholders’ enrollment information, the lawsuit says. Now access is allowed only for agents that already represent policyholders or if the policyholder participates in a three-way call with an agent and a marketplace employee. Between June and October, the agency barred 850 agents and brokers from accessing the marketplace “for reasonable suspicion of fraudulent or abusive conduct related to unauthorized enrollments or unauthorized plan switches,” according to an October CMS news release . The changes resulted in a “dramatic and sustained drop” in unauthorized activity, including a nearly 70% decrease in plan changes associated with an agent or broker and a nearly 90% decrease in changes to agent or broker commission information, the release said. It added that while consumers were often unaware of such changes, the opportunity to make them provided “significant financial incentive for non-compliant agents and brokers.” But CMS’ restrictions might be having unintended consequences for law-abiding agents and brokers. A story published by Insurance News Net on Nov. 11 quoted the president of the Health Agents for America (HAFA) trade group as saying agents are being suspended by CMS after being flagged by a mysterious algorithm that no one can figure out. The story quotes HAFA president Ronnell Nolan as surmising, “maybe they wrote too many policies on the same day for people who have the same income or they’re writing too many policies on people of a certain occupation.” Nolan continued, “We have members who have thousands of ACA clients. They can’t update or renew their clients. So those consumers have lost access to their professional agent, which is simply unfair.” Ron Hurtibise covers business and consumer issues for the South Florida Sun Sentinel. He can be reached by phone at 954-356-4071, on Twitter @ronhurtibise or by email at rhurtibise@sunsentinel.com.OXFORD, Miss. (AP) — Sira Thienou scored 16 points with six rebounds, five assists and four steals and No. 18 Mississippi coasted to an 89-24 win over Alabama State on Saturday. Starr Jacobs and Christeen Iwuala both added 12 points and Kennedy Todd-Williams had 11 for the Rebels (5-2), who had a breather after losing to No. 2 UConn by 13 in the Bahamas. Kaitlyn Bryant had seven points to lead the Hornets (2-5), who shot 19% with 33 turnovers and were outrebounded 43-25. Alabama State was 1 of 8 with 11 turnovers in the first quarter, falling behind 24-4. The Hornets were 2 of 11 with seven giveaways in the second quarter when they were outscored 33-6 to trail 57-10 at the half. The Rebels shot 58% with 28 points off turnovers. They scored the first 16 points of the game and the first 24 points of the second quarter. Ole Miss had the last five points of the third quarter and the first seven of the fourth to get the lead to 82-22. The Hornets went 1 of 10 in the final 10 minutes with 10 turnovers. It was Mississippi's third win against teams from the Southwestern Athletic Conference with one more to play. The Rebels play at NC State on Thursday in the SEC/ACC Challenge. ___ Get poll alerts and updates on the AP Top 25 throughout the season. Sign up here . AP women’s college basketball: https://apnews.com/hub/ap-top-25-womens-college-basketball-poll and https://apnews.com/hub/womens-college-basketball‘Get realistic!’: Shark Tank star’s stark warning to celebs struggling to sell homesgo777 log in 。

FACT FOCUS: Vermont ruling does not say schools can vaccinate children without parental consent

Lionel Messi wins MLS MVP award, the latest trophy on a long list of honors for the Inter Miami star FORT LAUDERDALE, Fla. (AP) — Lionel Messi is the MVP of Major League Soccer for 2024. The award comes after a season where he missed 15 of Inter Miami’s 34 regular-season matches with injuries or commitments to Argentina’s national team. He still factored into a league-high 36 goals by scoring 20 and assisting on 16 others. His 2.1 goal contributions per 90 minutes played is the best by any player in any season in MLS history. MLS revealed the voting results Friday. Messi edged out Columbus Crew forward Cucho Hernández for the award, which is determined by a poll of players, club technical staff and select media members. NFL ends investigation into sexual assault allegations against Browns QB Deshaun Watson CLEVELAND (AP) — The NFL has closed an investigation into sexual assault allegations against Cleveland Browns quarterback Deshaun Watson. The league has been reviewing the case for months, trying to determine whether Watson should be punished. League spokesman Brian McCarthy said in an email that "there was insufficient evidence to support a finding of a violation of the personal conduct policy.” Watson, who served an 11-game suspension in 2022, was accused of assault by a woman in September. She was seeking more than $1 million in damage before the sides reached a confidential settlement. Watson has played in just 19 games over three seasons for the Browns. NBA returning to China for pair of Suns-Nets preseason games in 2025 The NBA is returning to China next season. The league has struck a deal to play preseason games there more than five years after the league was effectively banned for Commissioner Adam Silver not punishing Daryl Morey for tweeting support of anti-government protesters in Hong Kong. Brooklyn and Phoenix will play games in China’s gambling hub of Macao on Oct. 10, 2025, and again two days later. There are more games planned for China in 2026, a source told The Associated Press. American ski racer Lindsey Vonn is picking up speed in her comeback bid at 40 years old COPPER MOUNTAIN, Colo. (AP) — American ski racer Lindsey Vonn darted through the shadows on the speed course at Copper Mountain on a frigid morning. She was on the hill Friday as she tries to make a comeback to skiing nearly six years after her last race. Vonn plans to enter a series of lower-tier FIS downhill and super-G races this weekend at Copper Mountain, Colorado. It could be the first step toward seeing her on the World Cup circuit again. NFL's next coaching cycle will feature an impressive list of candidates: Analysis The next NFL coaching cycle will feature an impressive list of candidates ranging from proven champions to up-and-coming coordinators. Six-time Super Bowl winner Bill Belichick heads the list of recognizable names that includes 2021 AP Coach of the Year Mike Vrabel. Lions offensive coordinator Ben Johnson, Buccaneers OC Liam Cohen, Bills OC Joe Brady and Eagles OC Kellen Moore are among a lengthy list of young offensive-minded coaches who will garner plenty of interest. Hall of Famer Randy Moss is stepping away from ESPN for an extended time to deal with health issue Hall of Fame wide receiver Randy Moss is stepping away from his ESPN analyst role for an extended time to focus on a personal health challenge, the network said in a statement. Moss revealed last week that he’s dealing with a health issue and asked fans to pray for him and his family. The 47-year-old ESPN football analyst made his announcement on Instagram from the set of the network’s “Sunday NFL Countdown” show. He directed his message to men and urged them to get checkups and bloodwork done, without specifying any particular illness. No Bevo? SEC tells Texas there's no room for its 1,700-pound longhorn at title game vs. Georgia ATLANTA (AP) — The Southeastern Conference championship game will not feature another mascot showdown. The league says there's not enough space on the sideline at Mercedes-Benz Stadium in Atlanta for No. 2 Texas to bring along its 1,700-pound longhorn Bevo XV for the game against No. 5 Georgia. The teams have two of college football’s most famous mascots. There should be enough sideline space for Georgia’s pure white English bulldog, Uga XI. Before the 2019 Sugar Bowl at the Superdome in New Orleans, Bevo XV toppled his barrier and began to charge at Uga X. Texas handlers were able to pull Bevo back before any harm. The Big Ten and SEC are set to gobble up CFP bids. That could squeeze the ACC and other leagues The Big Ten and Southeastern conferences are set to gobble up the majority of the bids to the newly expanded 12-team College Football Playoff. That could squeeze the Atlantic Coast Conference and other leagues trying to maintain their footing. ACC Commissioner Jim Phillips told The Associated Press he wants clarity on the process that put two-loss Miami behind three-loss Alabama in the latest rankings. Mountain West Conference Commissioner Gloria Nevarez said she wouldn't support future changes for guaranteed numbers of bids to power conferences. The Mountain West is set to have its champion in the playoff as a Group of Five winner. F1 champion Max Verstappen to become first-time father with girlfriend Kelly Piquet ABU DHABI, United Arab Emirates (AP) — Formula 1 champion Max Verstappen is set to become a father for the first time with his girlfriend Kelly Piquet. There’s racing heritage on both sides of the family. Verstappen secured his fourth F1 title last month and Kelly’s father Nelson Piquet was a three-time champion in the 1980s. Verstappen says on Instagram that "we couldn’t be happier with our little miracle.” Verstappen is aiming to win his 10th F1 race of the year at the season-ending Abu Dhabi Grand Prix on Sunday. Practice gets underway later. Anaheim Ducks acquire Rangers captain Jacob Trouba in trade for Vaakanainen, draft pick ANAHEIM, Calif. (AP) — The Anaheim Ducks have acquired New York Rangers captain Jacob Trouba in a trade for defenseman Urho Vaakanainen and a future fourth-round pick. The trade ends Trouba’s tenure with the Rangers, who acquired the 30-year-old defenseman in a trade with Winnipeg in 2019. He became New York’s captain before the 2022-23 season. Trouba will immediately become a key contributor on the blue line for the Ducks, who are in last place in the Pacific Division. He will also play alongside Anaheim forwards Ryan Strome and Frank Vatrano, his teammates with the Rangers during the club’s run to the Eastern Conference finals in 2022.Unacademy is reportedly close to an acquisition, but cofounder and CEO Gaurav Munjal has denied the speculation. What’s the true picture? What’s happening at Unacademy? Reports indicate that the company is close to an acquisition, but cofounder and CEO Gaurav Munjal has immediately come out and denied this speculation . This is not the first time that Unacademy has been in the news for an acquisition, but this is perhaps the closest the startup has come thus far, by all indications. To his credit, Munjal has always denied wanting to get an M&A, but Unacademy has not exactly shown any major momentum since mid-2022. After the troubled times of the past two years, a potential deal for Unacademy could be a silver lining for the sector and indeed for Unacademy, which has downsized in a big way in the past 24 months. Will Unacademy eventually cave in to potential pressure from investors to find an exit and go in for an M&A or will Munjal & Co finally be able to deliver some positive news in terms of profit in the next future? Let’s look to answer these two questions but after a look at the top stories from our newsroom this week: Unacademy was already in the news this week when reports suggested that Unacademy was in advanced discussions with Allen Career Institute for a potential sale for $800 Mn. This would represent a big haircut on the company’s last private valuation of close to $3.4 Bn, but it would still be a relative success story in edtech, after the past two years. However, Unacademy CEO Munjal took to LinkedIn today (December 7) and dismissed the reports of acquisition talks as “rumours”.“We are building Unacademy for the long run. We are not doing any sale or M&A. Ignore the rumours,” Munjal said. Incidentally, just hours before Munjal posted on LinkedIn, sources at Allen told Inc42 that deal is most likely to go through, but that the valuation is unclear. Besides denying talks over an M&A, Munjal added that 2024 will be the best year for Unacademy in terms of growth in the offline business and overall unit economics. He claimed the edtech startup had seen 30% growth in its offline business with unit economics improving considerably. He also added that despite degrowth in the online test prep business, the vertical has seen improved unit economics. Munjal also claimed that the company’s monthly cash burn had declined by 50% in 2024, with $170 Mn in cash reserves, no debt and a runway of over four years. He claimed that SaaS arm Graphy grew by 40% profitably, language learning product Airlearn surpassed ARR of $400K in the US, just four months after launch. Unacademy narrowed its consolidated net loss by almost 40% in FY23 (ended March 31, 2023), but there’s no clarity on how it has performed in terms of the unit economics and revenue growth since then. Even last year, Munjal claimed that Unacademy had managed to reduce its cash burn by 60% in 2023, and also said that the online business had shrunk. These are the only updates from Unacademy in the past two years in terms of the financials. It’s certainly not helpful when Munjal’s claims aren’t backed by financial disclosures, and instead one has to rely on numbers from more than 18 months ago to ascertain how Unacademy has performed. As of March 2023, the Peak XV-backed edtech unicorn had a net loss to INR 1,678.1 Cr (down 40% compared to FY22). Operating revenue had seen a 26% growth YoY to INR 907 Cr, with INR 137 Cr in non-operating income. Between March 2023 and December 2024, Unacademy has seen a slew of exits. Partner and chief operating officer Karan Shroff , strategy head Arnab Dutta, COO Vivek Sinha, chief of staff Abhyudaya Singh Rana were among those who quit last year. The exits continued this year too. In June 2024, cofounder Hemesh Singh stepped down and moved on to an advisory role, followed by the exit of chief operating officer (COO) for offline centres Jagnoor Singh in July 2024. But to bulk up its leadership, Unacademy appointed former CRED head of finance Pratik Dalal as chief financial officer (CFO) of its offline business Unacademy Centres , as it looked to put this vertical front and centre in its operations. Combined with the fact that online test prep has seen degrowth as Munjal claimed, it’s looking like Unacademy is clearly an offline learning company today. Having $170 Mn in cash reserves is only good as long as Unacademy can show actual profits in the offline learning business, which can contribute to the capital reserves and be leveraged for expansion. Competition such as Physics Wallah (PW) has raised $210 Mn this year to capture the offline learning opportunity. Outpacing such a well-capitalised rival will not be easy. Allen too is a major competitor for Unacademy, so perhaps the legacy company is looking at Unacademy has a way to add some distance between itself and PW. This is the only position in which Unacademy might be able to bargain for a higher valuation, according to the CEO of an education business. At the moment, it’s not clear how far Unacademy has improved its unit economics in all of FY24 and more than six months into the ongoing fiscal year. The fact that the company laid off 250 employees earlier this year as part of a restructuring exercise to improve its bottom line does not necessarily go towards long-term profitability moves. It also laid off 145 employees from PrepLadder in March . Unacademy has been the subject of acquisition talks for a number of months. Just earlier this year, the company was said to be in talks with fellow Peak XV portfolio company K-12 Techno Services , but sources close to the latter indicated that Unacademy’s unit economics situation was not clear, and there was no path to profitability yet. In light of this, Munjal’s defence of Unacademy’s financial position is reminiscent of another edtech founder who insisted that everything is well despite the situation worsening. Of course, we are talking about BYJU’S, which once claimed to be profitable, only to retract it later. Unacademy’s Munjal had once said that Raveendran not listening to “anyone” was one of the reasons for BYJU’S troubles . In a post on X, Munjal had said, “Byju failed because he didn’t listen to anyone. He put himself on a pedestal and stopped listening. Don’t do that. Never do that. Don’t listen to everyone but have people who can give you blunt feedback.” It was almost exactly one year ago that Munjal claimed the company t urned down a tempting $500 Mn debt offer , and a host of merger and acquisition (M&A) opportunities in 2021, at the height of the funding peak. Coincidentally, this December, Munjal is back saying that he is not interested in selling the company. “We are building Unacademy for the long run. We are not doing any sale or M&A. Ignore the rumours,” the CEO said. But it’s hard to ignore the speculation when it comes every now and then, and when the company does not seem to have seen any major improvements in its financials, its retention of key employees, and degrowth in the core business. In lieu of these indisputable indicators, what we have is Munjal’s claims about Unacademy’s best year yet. And if we have learnt anything in the past two years, it’s that such claims need to be taken with a grain of salt.

Believe it or not, Cowboys might have hope yet after chaotic win at WashingtonNoneNone

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