lucky calico casino login 2021

PHOENIX – Like many sports fans, Alex Kane struggled to understand the traditional moneyline odds system placed by sports bookmakers on events. So he helped launch a new sportsbook modeled after a stock-trading platform that uses probability to simplify wagering.

The Confederation of Indian Industry (CII) has sought reforms in India's Priority Sector Lending (PSL) framework to enable the setting up of more Development Finance Institutions (DFI) to provide funds to new and emerging sectors such as digital infrastructure, green initiatives, healthcare, and innovative manufacturing. "The current Development Finance Institutions like SIDBI and NABFID have their roles cut out as they have earmarked sectors to finance. Therefore, CII has suggested setting up of a high-level committee to look at the revision of Priority Sector Lending norms and also explore the need for any new DFIs to cater to some of the new and emerging sectors," the CII said in a statement on Sunday. Despite its massive success, the PSL framework requires regular recalibration to remain relevant. This recalibration is essential to ensure that the financial resources are optimally distributed, in harmony with our vision of Viksit Bharat 2047, the statement said. For instance, while agriculture contributes 14 per cent of the GDP today, its PSL allocation remains at 18 per cent, unchanged from when its GDP share exceeded 30 per cent. Similarly, sectors like infrastructure and innovative manufacturing lack adequate PSL focus despite their potential to drive economic growth, it added. India's economy has evolved rapidly over the past few decades, with employment focus shifting to newer sectors because of increased education levels in the society and higher disposable incomes, the statement said. The PSL is a vital policy tool in India, aimed at ensuring that key sectors crucial to the nation's development receive adequate financial support. Mandated by the Reserve Bank of India (RBI), PSL obligates banks to allocate a specified proportion of their loans to sectors such as agriculture, education, housing, and small industries. The framework ensures equitable credit distribution, contributing to the socio-economic growth of underserved areas. CII Director General Chandrajit Banerjee said: "Sectors like agriculture have reduced contribution to GDP from 30 per cent in the 1990s to about 14 per cent now. Hence, it is time that the Priority Sector Lending (PSL) framework be reviewed every 3-4 years to align based on emerging priorities and PSL allocations should be in line with GDP contributions and sectoral growth potential. For instance, we could look at the inclusion of Emerging and High-Impact Sectors, including digital infrastructure, green initiatives, healthcare, and innovative manufacturing." The industry chamber has, therefore, recommended inclusion in PSL of sectors like green energy projects, electric vehicles, and climate-resilient agriculture along with sectors like digital technologies, artificial intelligence and healthcare innovation. The CII has further pointed out that besides the above sectors, Infrastructure and manufacturing are poised to make substantial contributions to India's economic growth. It said that its recommendation is that of transition to outcome-based metrics, where the focus needs to shift from absolute lending targets to measurable developmental outcomes, ensuring impact-driven credit distribution. ( With inputs from IANS) Significant surge in Fake News and Deepfakes Alarms India Promising results for world's first Malaria vaccine RH5.1/Matrix-M: Report US California declares state of emergency over bird flu

This Cozy Coffee and Garden Shop Has Become a Staple in Its Community By Following 5 Smart StrategiesConnected, brainy, athletic: the suspect in US insurance CEO's slaying

The 2025 Carnival in Bermuda will be held from June 11–16, 2025, with the organisers saying it will be “filled with vibrant energy, infectious music, rich culture, and unforgettable island vibes.” A spokesperson said, “Carnival in Bermuda is back, and it’s gearing up to be bigger and better than ever! The Carnival in Bermuda team is thrilled to announce the dates for the highly anticipated 2025 Carnival in Bermuda Weekend: “Mark your calendars and get ready to experience a weekend filled with vibrant energy, infectious music, rich culture, and unforgettable island vibes. Carnival in Bermuda 2025 will showcase the best of Bermuda’s unique celebration, combining tradition with world-class entertainment and endless revelry. “This year’s theme, “Revelry Awaits,” speaks to the spirit of Bermuda’s Carnival, encouraging all to embrace the island’s vibrant carnival experience. Whether you’re a local or a returning visitor, Carnival in Bermuda 2025 is poised to deliver spectacular memories that showcase the best of Bermuda’s cultural heritage. “Carnival in Bermuda is more than a celebration—it’s a driver of community and economic growth. Each year, this event attracts hundreds of international visitors, creating significant economic benefits for Bermuda’s tourism, hospitality, and local businesses. “We warmly welcome international visitors to join us for this incredible weekend and invite locals to reach out to their family and friends overseas to share in the festivities. Returning visitors, we can’t wait to welcome you back! Bring your friends and family to experience the island’s rich culture and carnival spirit firsthand. “Start planning your trip to Bermuda today! Book your flights and accommodations early to secure the best rates and ensure your spot in paradise for this incredible celebration. Whether you’re a first-time attendee or a Carnival in Bermuda veteran, additional travel details and event packages will be shared soon to help make your trip seamless and unforgettable. “The support of our Title Sponsor, The Ministry of Tourism, Culture and Sport, reflects the Government of Bermuda’s commitment to preserving and promoting Bermuda’s cultural identity while enhancing its appeal as an international destination. Their partnership ensures that Carnival in Bermuda continues to grow as a cornerstone of Bermuda’s cultural tourism. “Stay tuned! The Carnival in Bermuda team will soon unveil exciting details about the 2025 Launch Event, including major announcements, an exciting event lineup, costume reveals, and thrilling surprises to set the stage for an extraordinary carnival season. “Get ready to immerse yourself in Bermuda’s unique carnival culture, breathtaking scenery, and electrifying energy. Spread the word, rally your crew, and join us for an experience like no other! “For the latest updates, visit or follow Carnival in Bermuda’s official social media channels.” : , ,

ATLANTA (AP) — Even when grappling with a four-game losing streak and the uncertainty generated by quarterback Kirk Cousins’ eight interceptions and no touchdown passes in that span, there is some solace for the Atlanta Falcons. They play in the NFC South. There is more good news: The Falcons' next two opponents, the Las Vegas Raiders and New York Giants, are tied for the NFL's worst record at 2-11. Coach Raheem Morris says he is sticking with Cousins for next Monday night's game at Las Vegas. Sunday's 42-21 loss at Minnesota dropped Atlanta to 6-7, one game behind Tampa Bay in the NFC South. The Falcons hold the tiebreaker advantage over the Buccaneers, so if they can take advantage of their cushy closing stretch of games that also includes Washington and Carolina, they could salvage their season. “We’re right in this thing,” right guard Chris Lindstrom said Monday before acknowledging he is “obviously not happy or satisfied with where we’re at." Lindstrom said he maintains "the ultimate belief in what we’re doing and everything that we have going on and everything is still in front of us.” Cousins and the Falcons must solve their red-zone woes to maintain hopes of the team's first playoff appearance since 2017. The Falcons rank eighth in the NFL with 371 yards per game but only 19th with their average of 21.4 points thanks to their persistent problems inside the 20. Even the forgiving NFC South can't make up for the scoring problems caused by penalties, turnovers and other persistent breakdowns. “You can't live with it at all,” Morris said Monday when asked about Cousins' recent streak of interceptions. Even so, Cousins remains the starter as first-round draft pick Michael Penix Jr. awaits his opportunity. “It’s for sure Kirk is our quarterback but I have no hesitations about what our young man has been doing and how he has been preparing and the things he is ready to do,” Morris said. “So if that time ever came I would have a lot of confidence in what Mike is able to do, but Kirk is our quarterback. Kirk is the guy who is going to lead us.” With four sacks against the Vikings, the Falcons may have finally solved their longtime pass-rush woes. Atlanta had five sacks in a 17-13 loss to the Los Angeles Chargers on Dec. 1, giving the team back-to-back games with at least four sacks for the first time since 2019. Outside linebacker Arnold Ebiketie had one of Sunday's sacks, giving him four for the season. With nine sacks in the last two games, the Falcons have almost doubled their NFL-low total of 10 through their first 11 games. Even as the pass rush was productive, the Falcons' defense showed a sudden inability to prevent big plays through the air. Atlanta allowed four completions of more than 40 yards as Vikings receivers Jordan Addison and Justin Jefferson combined to catch five scoring passes from Sam Darnold, who did not throw an interception. Morris said the Vikings' strategy was to avoid cornerback A.J. Terrell, “making other people make plays, and we didn’t go out there and make them.” Running back Tyler Allgeier had nine carries for 63 yards and a touchdown. Even while Bijan Robinson continued to produce with 22 carries for 92 yards and a score, Allgeier re-emerged as a strong complement with his second-highest rushing total of the season. Cousins has an unhealthy ratio of 17 touchdown passes to 15 interceptions. “Kirk was the guy who led us to the 6-3 record,” Morris said. “We’ve got to find a way to get out of the funk. ... For us, it’s going to be his opportunity to go out and right the ship and he has earned it.” 142: Wide receiver Darnell Mooney set a career high with 142 yards on six catches. It was the third game this season Mooney has led the Falcons in receiving yards. Former Atlanta quarterback Desmond Ridder is expected to start for the Raiders on Monday night after Aidan O’Connell's knee injury in Sunday's 28-13 loss at Tampa Bay. AP NFL: https://apnews.com/hub/nflNEW ORLEANS (AP) — Saints quarterback Derek Carr was willing to risk his health to improve New Orleans’ chances of playing meaningful football in mid-December. Now the Saints, who’ve remained mathematically alive in the playoff race by winning three of four, might have to play without Carr again — and it didn’t go well the last time. Saints interim coach Darren Rizzi declined on Monday to rule out Carr for any of New Orleans’ final four games because of his injured non-throwing hand or his concussion . Both injuries occurred when he tried to leap for a first down and crashed hard to the turf during the fourth quarter of New Orleans’ 14-11 victory over the reeling New York Giants on Sunday. “We’re not going to rule him out just yet,” Rizzi said. “We have to see in the next day or two what the healing process is like and see if he can function. “The good news it’s not his throwing hand,” Rizzi said. “The bad news is we’re obviously dealing with an injury here that we have to kind of play it by ear.” Rizzi noted that Carr must clear the concussion protocol first. After that, he said, the Saints can see how well Carr can operate with his hand injury. RELATED COVERAGE Cowboys set to host Bengals under open roof after falling debris thwarted that plan against Texans Cardinals’ sudden 3-game tailspin has turned their once solid playoff hopes into a long shot The 49ers’ playoff hopes are still teetering even after get-right game against the Bears “It’s been done before,” Rizzi said when asked about the prospect of an NFL QB playing with an injured non-throwing hand. “It appears at moment that it’s non-surgical, which is a big aspect of it. ... That’s why we’re going to discuss the options.” Last season, Los Angeles Chargers QB Justin Herbert played with a fractured finger on his non-throwing hand . Buffalo Bills QB Josh Allen has played part of this season with an injured non-throwing hand . The AP Top 25 college football poll is back every week throughout the season! Get the poll delivered straight to your inbox with AP Top 25 Poll Alerts. Sign up here . If Carr can’t play, his replacement will be either second-year pro Jake Haener or rookie Spencer Rattler. Rattler started three games earlier this season when Carr had an oblique injury — all losses by New Orleans, which was in the midst of a seven-game skid. “We’ve just got to surround whomever it is and pick him up and get him rolling with the rest of us,” guard Lucas Patrick said. “It’s just another step of adversity in this long season that we’ve had.” What’s working New Orleans’ interior defensive line is coming off one of its better games. Defensive tackles Bryan Bresee and Khalen Saunders accounted for both New Orleans’ sacks in New York. The Saints also held the Giants to 112 yards rushing — a lower opponent rushing total than in seven other games this season. What needs help The Saints’ 92 yards rushing offensively was their fourth-lowest total all season and the lowest in any of their victories. Stock up Running back Kendre Miller’s future is looking a bit brighter now. He has played in just three games this season because of hamstring injuries and his lack of readiness was criticized by since-fired coach Dennis Allen earlier this season. Miller also has yet to rush for more than 36 yards in a game. But against the Giants, he earned praise for the speed, strength and elusiveness he was able to show on a couple of clutch runs, including an 8-yard run for his first and only touchdown this season. Patrick said Miller deserved credit on his scoring run for staying upright and continuing to push forward — with the help of some teammates — after he was met at the 5-yard line by a Giants defender. Patrick said if Miller didn’t give the extra effort and stay on his feet, his teammates would not have had the chance to help push him across the goal line. “Kendre’s definitely a bright, young runner and he’s exciting to block for,” Patrick said. Stock down Blake Grupe was 0 for 2 on field goal attempts, although both were from beyond 50 yards and one was blocked. Those were Grupe’s first two failures from beyond 50 yards this season. Injuries In addition to Carr, reserve linebacker D’Marco Jackson left Sunday’s game with an ankle injury. Key number 0 — The number of games the Saints have won when Carr does not play. They’ve gone 5-5 in his starts this season. Next steps The Saints are back home Sunday against Washington in what could be ex-New Orleans cornerback Marshon Lattimore’s first game with the Commanders. The game also marks the return to Louisiana of quarterback Jayden Daniels, who won the Heisman Troply last year at LSU. ___ AP NFL: https://apnews.com/hub/nfl

Trump's tariffs may be targeted at others -- but they could impact you tooApiaries abuzz over ruling against widening cross-border trade in live honeybees

SLAM Academy rallies past Truckee for 1st football state title

BROOKINGS, S.D. (AP) — Mark Gronowski ran for two touchdowns and passed for two more and two-time defending national champion South Dakota State dominated Montana 35-18 in a second-round FCS playoff game on Saturday. While Gronowski was leading an offense that piled up 399 yards, the third-seeded Jackrabbits' defense held the 14th-seeded Grizzlies to 306 yards — but 160 came on two fourth-quarter touchdown drives after the lead reached 35-3. Adam Bock contributed a 30-yard interception return in the fourth quarter. Javascript is required for you to be able to read premium content. Please enable it in your browser settings. Get updates and player profiles ahead of Friday's high school games, plus a recap Saturday with stories, photos, video Frequency: Seasonal Twice a weekCabinet Approves Decisions On Public Sector Modernisation, Human Resources DevelopmentWhere connections brew: New heritage gallery celebrates Singapore’s coffee shop culture

Jonah Goldberg Among elites across the ideological spectrum, there's one point of unifying agreement: Americans are bitterly divided. What if that's wrong? What if elites are the ones who are bitterly divided while most Americans are fairly unified? History rarely lines up perfectly with the calendar (the "sixties" didn't really start until the decade was almost over). But politically, the 21st century neatly began in 2000, when the election ended in a tie and the color coding of electoral maps became enshrined as a kind of permanent tribal color war of "red vs. blue." Elite understanding of politics has been stuck in this framework ever since. Politicians and voters have leaned into this alleged political reality, making it seem all the more real in the process. I loathe the phrase "perception is reality," but in politics it has the reifying power of self-fulfilling prophecy. People are also reading... Like rival noble families in medieval Europe, elites have been vying for power and dominance on the arrogant assumption that their subjects share their concern for who rules rather than what the rulers can deliver. Gobble up these 14 political cartoons about Thanksgiving Political cartoonists from across country draw up something special for the holiday In 2018, the group More in Common published a massive report on the "hidden tribes" of American politics. The wealthiest and whitest groups were "devoted conservatives" (6%) and "progressive activists" (8%). These tribes dominate the media, the parties and higher education, and they dictate the competing narratives of red vs. blue, particularly on cable news and social media. Meanwhile, the overwhelming majority of Americans resided in, or were adjacent to, the "exhausted majority." These people, however, "have no narrative," as David Brooks wrote at the time. "They have no coherent philosophic worldview to organize their thinking and compel action." Lacking a narrative might seem like a very postmodern problem, but in a postmodern elite culture, postmodern problems are real problems. It's worth noting that red vs. blue America didn't emerge ex nihilo. The 1990s were a time when the economy and government seemed to be working, at home and abroad. As a result, elites leaned into the narcissism of small differences to gain political and cultural advantage. They remain obsessed with competing, often apocalyptic, narratives. That leaves out most Americans. The gladiatorial combatants of cable news, editorial pages and academia, and their superfan spectators, can afford these fights. Members of the exhausted majority are more interested in mere competence. I think that's the hidden unity elites are missing. This is why we keep throwing incumbent parties out of power: They get elected promising competence but get derailed -- or seduced -- by fan service to, or trolling of, the elites who dominate the national conversation. There's a difference between competence and expertise. One of the most profound political changes in recent years has been the separation of notions of credentialed expertise from real-world competence. This isn't a new theme in American life, but the pandemic and the lurch toward identity politics amplified distrust of experts in unprecedented ways. This is a particular problem for the left because it is far more invested in credentialism than the right. Indeed, some progressives are suddenly realizing they invested too much in the authority of experts and too little in the ability of experts to provide what people want from government, such as affordable housing, decent education and low crime. The New York Times' Ezra Klein says he's tired of defending the authority of government institutions. Rather, "I want them to work." One of the reasons progressives find Trump so offensive is his absolute inability to speak the language of expertise -- which is full of coded elite shibboleths. But Trump veritably shouts the language of competence. I don't mean he is actually competent at governing. But he is effectively blunt about calling leaders, experts and elites -- of both parties -- stupid, ineffective, weak and incompetent. He lost in 2020 because voters didn't believe he was actually good at governing. He won in 2024 because the exhausted majority concluded the Biden administration was bad at it. Nostalgia for the low-inflation pre-pandemic economy was enough to convince voters that Trumpian drama is the tolerable price to pay for a good economy. About 3 out of 4 Americans who experienced "severe hardship" because of inflation voted for Trump. The genius of Trump's most effective ad -- "Kamala is for they/them, President Trump is for you" -- was that it was simultaneously culture-war red meat and an argument that Harris was more concerned about boutique elite concerns than everyday ones. If Trump can actually deliver competent government, he could make the Republican Party the majority party for a generation. For myriad reasons, that's an if so big it's visible from space. But the opportunity is there -- and has been there all along. Goldberg is editor-in-chief of The Dispatch: thedispatch.com . Catch the latest in Opinion Get opinion pieces, letters and editorials sent directly to your inbox weekly!

How to Watch the NBA Today, December 8

Greece’s economy held up well during recent crises and has outpaced growth in the euro area since the global energy crisis. Further policy action is now needed to ensure continuing strong growth and fiscal sustainability, notably to keep public debt on a firmly declining path, according to a new OECD report. The latest OECD Economic Survey of Greece projects GDP growth to rise from 2.3% in 2024 and 2.2% in 2025 to 2.5% in 2026. The government plans primary fiscal surpluses of 2.5% of GDP in 2025 and 2.4% in 2026. Inflation is proving persistent and remained at 3.2% in October 2024, but is projected to decline gradually, returning close to target by end 2026. “Greece has reaped the benefits of the many important reforms it has implemented over the years, but more needs to be done to promote competition, allow more youths and women to participate in the labour market and maintain significant primary fiscal surpluses while preserving investment.” OECD Secretary-General Mathias Cormann said, presenting the Survey in Athens alongside Greece’s Prime Minister, Kyriakos Mitsotakis, and Minister of Finance, Kostis Hatzidakis. “Greece’s outlook remains positive, with disinflation, improving growth in trading partners and increasing disbursements of European funds set to support growth over the coming years.” Public debt has been declining since 2020 but remains high, at 163.9% of GDP in 2023. Maintaining public debt on its firmly declining path and increasing fiscal space for investment will require additional efforts to reduce tax expenditures and tackle tax evasion. Moreover, a gradual shift of spending towards infrastructure, education and health would improve both economic and social outcomes. Significant challenges remain. Labour productivity has stagnated at low levels over the past decade. Despite recent progress, investment remains relatively low, particularly in intangibles and R&D. The productivity gap between small firms and large enterprises is large, with many of the large enterprises failing to grow and adopt new technologies. Further reforms to strengthen competition, reduce regulatory burdens, improve access to skills and financing would support firm growth and innovation. Competition remains weak in some parts of the economy, making it all the more important for Greece to review some of the unnecessarily stringent regulations in services and to ease entry restrictions in professional services. Skill shortages have increased. Strengthening apprenticeships and vocational training is key to ensure a supply of skills that better matches the needs of employers. The expansion of childcare capacities would allow more women to join the labour market and support employment growth. Extreme weather events are becoming more likely with a warming climate and could lead to renewed disruptions of production and reduce domestic demand. Greece has cut emissions by 42% over the past two decades and renewable energy generation is expanding rapidly. A mix of investment, tighter regulations and emission pricing, complemented with financial support for vulnerable groups, can steer households and business to move towards greener technologies. Source: OECDPHILADELPHIA, Nov. 26, 2024 (GLOBE NEWSWIRE) -- Urban Outfitters, Inc. (NASDAQ:URBN), a leading lifestyle products and services company which operates a portfolio of global consumer brands including the Anthropologie, Free People, FP Movement, Urban Outfitters and Nuuly brands, today announced record third quarter net income of $102.9 million and earnings per diluted share of $1.10 for the three months ended October 31, 2024. For the nine months ended October 31, 2024, net income was $282.2 million and earnings per diluted share were $2.99. Total Company net sales for the three months ended October 31, 2024, increased 6.3% to a record $1.36 billion. Total Retail segment net sales increased 3.2%, with comparable Retail segment net sales increasing 1.5%. The increase in Retail segment comparable net sales was driven by low single-digit positive growth in both digital channel sales and retail store sales. Comparable Retail segment net sales increased 5.8% at Anthropologie and 5.3% at Free People and decreased 8.9% at Urban Outfitters. Nuuly segment net sales increased by 48.4% primarily driven by a 51% increase in average active subscribers in the current quarter versus the prior year quarter. Wholesale segment net sales increased 17.4% driven by a 20.3% increase in Free People wholesale sales due to an increase in sales to specialty customers and department stores, partially offset by a decrease in Urban Outfitters wholesale sales. For the nine months ended October 31, 2024, total Company net sales increased 6.7% to a record $3.91 billion. Total Retail segment net sales increased 4.0%, with comparable Retail segment net sales increasing 2.6%. The increase in Retail segment comparable net sales was driven by mid single-digit positive growth in digital channel sales and low single-digit positive growth in retail store sales. Comparable Retail segment net sales increased 9.3% at Free People and 7.5% at Anthropologie and decreased 10.6% at Urban Outfitters. Nuuly segment net sales increased by 53.9% primarily driven by a 50% increase in average active subscribers in the current period versus the prior year period. Wholesale segment net sales increased 12.3% driven by a 15.1% increase in Free People wholesale sales due to an increase in sales to specialty customers and department stores, partially offset by a decrease in Urban Outfitters wholesale sales. "We are pleased to announce record third quarter sales and earnings, both of which exceeded our expectations. These results were driven by outperformance across all three business segments - Retail, Subscription and Wholesale,” said Richard A. Hayne, Chief Executive Officer. "Additionally, we're optimistic about the outlook for Holiday demand and believe total comparable sales could be similar to our third quarter results,” finished Mr. Hayne. Net sales by brand and segment for the three and nine-month periods were as follows: (2) Free People includes the Free People and FP Movement brands. For the three months ended October 31, 2024, the gross profit rate increased by 105 basis points compared to the three months ended October 31, 2023. Gross profit dollars increased 9.4% to $497.3 million from $454.4 million in the three months ended October 31, 2023. The increase in gross profit rate for the three months ended October 31, 2024 was primarily due to higher initial merchandise markups for all segments primarily driven by Company cross-functional initiatives. Additionally, Retail segment merchandise markdowns improved driven by lower merchandise markdowns at Urban Outfitters, which were partially offset by an increase at Free People. For the nine months ended October 31, 2024, the gross profit rate increased by 80 basis points compared to the nine months ended October 31, 2023. Gross profit dollars increased 9.2% to $1.40 billion from $1.28 billion in the nine months ended October 31, 2023. The increase in gross profit rate for the nine months ended October 31, 2024 was primarily due to higher initial merchandise markups for all segments primarily driven by Company cross-functional initiatives. The increase in gross profit dollars for both periods was due to higher net sales and the improved gross profit rate. As of October 31, 2024, total inventory increased by $72.3 million, or 10.0%, compared to total inventory as of October 31, 2023. Total Retail segment inventory increased 8.1% due to a Retail segment comparable inventory increase of 3.7% and planned early receipts of holiday merchandise. Wholesale segment inventory increased by 41.6% due to the timing of receipts and to support increased sales. For the three months ended October 31, 2024, selling, general and administrative expenses increased by $23.2 million, or 6.7%, compared to the three months ended October 31, 2023, and expressed as a percentage of net sales, deleveraged 11 basis points. For the nine months ended October 31, 2024, selling, general and administrative expenses increased by $81.8 million, or 8.4%, compared to the nine months ended October 31, 2023, and expressed as a percentage of net sales, deleveraged 42 basis points. The deleverage in selling, general and administrative expenses as a rate to net sales for both periods was primarily related to increased marketing expenses to support customer growth and increased sales in the Retail and Nuuly segments. The dollar growth in selling, general and administrative expenses for both periods was primarily related to increased marketing expenses to support customer growth and increased sales in the Retail and Nuuly segments, as well as increased store payroll expenses to support the Retail segment stores comparable net sales growth. The Company's effective tax rate for the three months ended October 31, 2024 was 24.2%, compared to 24.3% in the three months ended October 31, 2023. The Company's effective tax rate for the nine months ended October 31, 2024 was 23.6%, compared to 24.5% in the nine months ended October 31, 2023. The decrease in the effective tax rate for the three and nine months ended October 31, 2024 was primarily due to the favorable impact of equity vestings in the current year. Net income for the three months ended October 31, 2024 was a record $102.9 million or $1.10 per diluted share. Net income for the nine months ended October 31, 2024 was $282.2 million or $2.99 per diluted share. On June 4, 2019, the Company's Board of Directors authorized the repurchase of 20 million common shares under a share repurchase program. During the nine months ended October 31, 2024, the Company repurchased and subsequently retired 1.2 million shares for approximately $52 million. As of October 31, 2024, 18.0 million common shares were remaining under the program. During the nine months ended October 31, 2024, the Company opened a total of 36 new retail locations including: 20 Free People stores (including 12 FP Movement stores), 9 Anthropologie stores and 7 Urban Outfitters stores; and closed 11 retail locations including: 5 Urban Outfitters stores, 4 Anthropologie stores and 2 Free People stores. Urban Outfitters, Inc. offers lifestyle-oriented general merchandise and consumer products and services through a portfolio of global consumer brands comprised of 264 Urban Outfitters stores in the United States, Canada and Europe and websites; 242 Anthropologie stores in the United States, Canada and Europe, catalogs and websites; 216 Free People stores (including 50 FP Movement stores) in the United States, Canada and Europe, catalogs and websites, 9 Menus & Venues restaurants, 7 Urban Outfitters franchisee-owned stores and 2 Anthropologie franchisee-owned stores as of October 31, 2024. Free People, FP Movement and Urban Outfitters wholesale sell their products through department and specialty stores worldwide, digital businesses and the Company's Retail segment. Nuuly is a women's apparel subscription rental service which offers a wide selection of rental product from the Company's own brands, third-party brands and one-of-a-kind vintage pieces. A conference call will be held today to discuss third quarter results and will be webcast at 5:15 pm. ET at: https://edge.media-server.com/mmc/p/9zt6ekqe/. As used in this document, unless otherwise defined, "Anthropologie" refers to the Company's Anthropologie and Terrain brands and "Free People" refers to the Company's Free People and FP Movement brands. This news release is being made pursuant to the "safe harbor” provisions of the Private Securities Litigation Reform Act of 1995. Certain matters contained in this release may contain forward-looking statements. When used in this release, the words "project,” "believe,” "plan,” "will,” "anticipate,” "expect” and similar expressions are intended to identify forward-looking statements, although not all forward-looking statements contain these identifying words. Any one, or all, of the following factors could cause actual financial results to differ materially from those financial results mentioned in the forward-looking statements: overall economic and market conditions (including current levels of inflation) and worldwide political events and the resultant impact on consumer spending patterns and our pricing power, the difficulty in predicting and responding to shifts in fashion trends, changes in the level of competitive pricing and promotional activity and other industry factors, the effects of the implementation of the United Kingdom's withdrawal from membership in the European Union (commonly referred to as "Brexit”), including currency fluctuations, economic conditions and legal or regulatory changes, any effects of war, including geopolitical instability, impacts of the conflict in the Middle East and impacts of the war between Russia and Ukraine and from related sanctions imposed by the United States, European Union, United Kingdom and others, terrorism and civil unrest, natural disasters, severe or unseasonable weather conditions (including as a result of climate change) or public health crises (such as the coronavirus (COVID-19)), labor shortages and increases in labor costs, raw material costs and transportation costs, availability of suitable retail space for expansion, timing of store openings, risks associated with international expansion, seasonal fluctuations in gross sales, response to new concepts, our ability to integrate acquisitions, risks associated with digital sales, our ability to maintain and expand our digital sales channels, any material disruptions or security breaches with respect to our technology systems, the departure of one or more key senior executives, import risks (including any shortage of transportation capacities or delays at ports), changes to U.S. and foreign trade policies (including the enactment of tariffs, border adjustment taxes or increases in duties or quotas), the unexpected closing or disruption of, or any damage to, any of our distribution centers, our ability to protect our intellectual property rights, failure of our manufacturers and third-party vendors to comply with our social compliance program, risks related to environmental, social and governance activities, changes in our effective income tax rate, changes in accounting standards and subjective assumptions, regulatory changes and legal matters and other risks identified in our filings with the Securities and Exchange Commission. The Company disclaims any intent or obligation to update forward-looking statements even if experience or future changes make it clear that actual results may differ materially from any projected results expressed or implied therein. (Tables follow)

The world’s economic reckoning with the incoming Trump administration kicked off in earnest this week, with the U.S. Federal Reserve flagging fewer rate cuts, a resignation in Canada over budgeting for tariffs and heightened focus on cryptocurrencies. The Fed cut rates as expected on Wednesday amid a busy year-end run of central bank meetings from Ottawa and Frankfurt to Tokyo and London that showed heightened uncertainty ahead of Donald Trump entering the White House in the new year. Indeed, Fed officials not only dialed back projections for rate cuts in the face of stubborn inflation, Chair Jerome Powell said some in the bank were also trying to judge how Trump’s planned tariffs, lower taxes and immigration curbs might affect policy. The upshot was U.S. central bankers penciled in estimates for higher growth next year than previously estimated, but also notably higher inflation. That left Powell repeatedly urging “caution” around additional rate cuts from here, which triggered a slide in stock prices and a recalibration of market estimates for further easing. Just a single Fed rate cut is now priced in for 2025. “Some people did take a very preliminary step and start to incorporate highly conditional estimates of economic effects of policies into their forecasts at this meeting,” Powell said when asked if Trump’s policies factoredinto officials’ thinking. “Some people said they didn’t do so, and some people didn’t say whether they did or not. So we have people making a bunch of different approaches to that but some did identify policy uncertainty as one of the reasons for their writing down more uncertainty around inflation.” In Asia, The Bank of Japan on Thursday kept ultra-low interest rates as the threat of Trump’s policies cast a shadow over the export-reliant economy. “Uncertainty surrounding Japan’s economy and prices remains high,” the BOJ said in a statement announcing the decision. A Reuters survey of Japanese businesses published last week showed nearly three-quarters expect Trump to have a negative effect on their operating environment, something BOJ officials may have to reckon with as the world’s lone developed central bank still trying to tighten policy. Ahead of the Fed decision, rates had already been lowered last week by the European Central Bank and Bank of Canada, with both expected to deliver some additional easing in 2025 amid weakening outlooks. While ECB President Christine Lagarde was vague about further rate cuts, she went out of her way to emphasize downside risks to growth, including from prospective trade tensions with the United States under Trump. Rate decisions are still due in the coming hours from central banks in Sweden, Norway and the United Kingdom. Although Trump may have been just at the periphery of officials’ thinking at the Fed, he was a central focus in Ottawa when Canadian Finance Minister Chrystia Freeland quit after clashing with Prime Minister Justin Trudeau on how to handle possible U.S. tariffs under the next U.S. administration. Freeland said the threat of new U.S. tariffs represented a grave danger after Trump last month warned he would issue levies on goods imported from Canada and Mexico of 25% unless the two neighbors limit the flow of migrants and fentanyl into the U.S. “That means keeping our fiscal powder dry today, so we have the reserves we may need for a tariff war. That means eschewing costly political gimmicks, which we can ill afford,” she wrote in a letter to Trudeau posted on X. Meanwhile, crypto market enthusiasm for Trump’s notion of establishing a strategic reserve of bitcoin was dealt a setback when Powell said the Fed had no legal authority to hold it, adding declaratively that it had no plan to seek a change in the law so that it could. “That’s the kind of thing for Congress to consider, but we are not looking for a law change at the Fed,” Powell said. The remark contributed to a broad slide in crypto-related assets, including a 5% drop in bitcoin itself, its largest decline in more than three months. Source: Reuters (Reporting by Dan Burns and Howard Schneider; additional reporting by Leika Kihara in Tokyo; Editing by Andrea Ricci and Sam Holmes)Timothée Chalamet Impresses With Football Knowledge on 'College GameDay'None

Recap: New Windows AI features at the heart of Microsoft's Copilot+ PCs debuted exclusively on laptops equipped with Qualcomm's Arm-based Snapdragon X processors a few months ago. While the latest x86 chips from Intel and AMD also have integrated NPUs and carry the Copilot+ label, they have yet to receive any OS-level generative AI functionality. Windows 11 Insiders using CPUs from recent lineups such as Intel Core Ultra 200 and AMD Ryzen AI 300 can finally begin testing Copilot+ features like Recall and image generation. The GenAI features were previously exclusive to Snapdragon X chips. Dev channel participants can get started by updating to build 26120.2510. Other users can join the Microsoft Insider Program by registering on the website , then navigating to Settings > Windows Update > Windows Insider Program > Get Started and selecting Dev Channel before rebooting. Using new GenAI features might require installing the latest AMD and Intel NPU drivers, available on TechSpot or each manufacturer's website. Recall, likely the most essential yet controversial Copilot+ feature, "remembers" user activity by periodically taking screencaps and reading on-screen text. The functionality aims to help users retrieve information, but serious security concerns led Microsoft to delay it and later reintroduce Recall on an opt-in basis. Activating the feature allows users to open previously accessed files or programs through natural language text prompts if they've forgotten the locations or file names. Recall also contains a function called Click to Do, through which users can copy, summarize, or rewrite selected text using prompts. Additionally, Copilot allows the Paint and Photos apps to generate images from text prompts. Photos can also use prompts to restyle existing pictures. Snapdragon X PCs have gradually received Windows Insider builds with new GenAI features over the last few months. Paint recently received automatic fill-and-erase functionality, and Photos can upscale pictures using super-resolution upscaling. It remains unclear when this and other functionality will expand to x86 Copilot+ systems. The exclusivity period stems from Qualcomm's early cooperation with Microsoft on the Copilot+ initiative, which aimed to use the introduction of onboard GenAI to boost Arm Windows adoption. Snapdragon X CPUs were the first to meet Microsoft's Copilot+ standards by including NPUs capable of at least 40 TOPs, but similarly-specced x86 processors from Intel's Core 200V series and AMD's Ryzen AI 300 lineups soon followed. Bringing GenAI to the standard version of Windows 11 could broaden its reach, but customer enthusiasm for the technology has yet to solidify. Recent sales charts suggest that AI PC adoption is driven primarily by more extended battery life and typical upgrade cycles.

Baltimore Ravens quarterback Lamar Jackson kept the overall lead in fan voting numbers revealed Monday for the NFL Pro Bowl Games with Philadelphia running back Saquon Barkley a close second. Jackson topped vote-getters with 82,402 and Barkley was next, only 320 votes behind. Barkley was 4,079 votes back of Jackson in last week's first voting results. Eagles star Barkley, who set a team one-season rushing record on Sunday in a victory over Carolina, leaped ahead of Ravens rusher Derrick Henry, who fell to third on 76,582. Buffalo Bills quarterback Josh Allen was fourth on 73,627 with Detroit Lions rusher Jahmyr Gibbs fifth on 73,617. The Lions garnered the most votes from NFL fans overall followed by Baltimore, two-time defending Super Bowl champion Kansas City, Philadelphia and Minnesota. The NFL's all-star event will be staged February 2 in Orlando, Florida, for the second consecutive year as 88 players take part in skills competitions, including a flag football showdown with former NFL star quarterbacks Peyton and Eli Manning serving as coaches. Fan voting concludes on December 23. No other voting totals were revealed but top vote-getters at their position in the AFC and NFC also were revealed, including NFC rookie quarterback Jayden Daniels of Washington and wide receivers Justin Jefferson of Minnesota in the NFC and Ja'Marr Chase of Cincinnati in the AFC. js/bb