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Sterling Bank Plc, recently declared as a Great Place To Work, has decalred work-free day for all its employees across the country.

The decision, according to the bank, was in line with its Active Citizens Programme (ACP) scheme, encouraging employees to use to register and collect their Permanent Voters’ Cards.

Beyond promoting voting rights, the bank’s ACP also motivates employees to be productive, responsible, caring and be contributing members of their respective communities in alignment with the lender’s purpose of enriching lives.   

The Chief Executive Officer of Sterling Bank, Abubakar Suleiman, noted that the institution is passionate about promoting active citizenship among employees as a business of wholly Nigerian origin, which makes it important to place national interests above individual preferences.

“We believe that when more citizens are active and perform their duties to the nation, the country becomes a better place for all.

“These duties include abiding by the law, tax remittance and more importantly participating in the electoral process to strengthen our democracy.”

Source: The Guardian

Shareholders of Cadbury Nigeria Plc on Friday approved N301.51 million as total dividend for the financial year ended Dec. 31, 2017.

The shareholders gave the approval at the company’s 53rd Annual General Meeting (AGM) in Lagos.

The News Agency of Nigeria (NAN) reports that the dividend, which will be paid on July 9, translated to 16k per share.

Speaking at the meeting, Mr Emmanuel Popoola , a shareholder, commended the company for the dividend declared and return to profitability in spite of the challenging operating environment. Popoola urged the company to work harder to ensure enhanced dividends in the years ahead.

Mr Taiwo Oderinde, another shareholder, urged the company introduce new products to increase its market share and bottom line.

Oderinde said the company should target products that would address the health issues in the country such as diabetes.

He also called on the company to look for cheaper means of financing its activities to reduce costs of operation.

Oderinde advised the company to work toward floating rights issue in the future to raise fresh capital instead of obtaining bank loans.

Responding, Mr Atedo Peterside, the company’s Chairman, said the company was working on some new products, which would be launched at the appropriate time.

Peterside said the company built its business on four key pillars, such as price competitiveness, aggressive route to market initiatives and sustained consumer-driven activations.

He said the company’s top priorities in the current year were to sustain focus on quality, drive improvements in productivity and reinforce operational efficiency to maximise its competitive advantage.

The chairman added that the company would drive growth ahead of competition to increase market share within its product categories.

The company, during the period under review, recorded a revenue of N33.08 billion compared with N29.98 billion in 2016.

It also benefited from cost savings initiatives, which saw selling and distribution costs as well as administrative costs decline by seven per cent and 23 per cent respectively.

Its profit before tax stood at N350.32 million from a loss before tax of N562. 87 million recorded in the previous year.

Profit for the year stood at N299. 99 million against a loss of N296. 40 million in 2016.

The company said revenue contribution for the 2017 financial year came from 55 per cent refreshment beverages which includes Bournvita and Cadbury 3-in-1 hot chocolate.

It stated that 31 per cent was from confectioneries such as Tom-Tom peppermint and its variants, while 14 per cent of the revenue came from Intermediate Cocoa products comprising cocoa powder, cocoa cake and cocoa butter.

Source: NAN

Temile Development Company Limited, an indigenous shipping company operating in the Nigerian oil and gas industry, has signed a ship building contract with South Korean shipbuilder, Hyundai Heavy Industries (HHI) Limited. Under the terms, Hyundai will build one firm and one optional Liquefied Petroleum Gas (LPG) carriers. Both vessels are valued at over $120million with the first carrier expected to be delivered by the first quarter of 2020.
The contract, which was signed in London recently between Temile and HHI officials was witnessed by the CEO, Nigeria LNG Limited (NLNG), Tony Attah; Executive Secretary Nigerian Content Development and Monitoring Board (NCDMB), Simbi Wabot; and Deputy Managing Director, Fidelity Bank, Mohammed Balarabe.
Fidelity Bank is the main banker to Temile Development Company.Temile Devt. is a 100 percent wholly-owned Nigerian company, which began its marine and offshore operations five years ago, with a vision to revolutionise the shipping business in Nigeria. The company’s fleet comprises of 16 offshore vessels, acquired within the last five years. The new carriers would be the first of their kind in the West African oil and gas market, and would enable the company service an on-going time charter LPG contract with NLNG.
“We have extensive experience in various sectors of the oil and gas industry in Nigeria, with particular interest in the offshore shipping and logistics. Our entrance into LPG market is exciting and we are in very safe hands to have ordered a LPG carrier from Hyundai Mipo Dockyard. This will no doubt increase the participation of Nigerian investors in the LPG space,” said the Chief Executive Officer, Alfred Temile.
Also speaking at the ceremony, Attah said the transaction was indeed ground breaking, explaining that it supports the quest to develop the domestic LPG market and aid the growth of indigenous companies in the process. “NLNG’s domestic LPG intervention scheme aligns with our business focus of bringing energy to the world and helping to build a better Nigeria” Attah stated.
Whilst commending Temile Development Company for the trailblazing move, Balarabe emphasized the need to increase local participation of indigenous companies in the oil and gas industry and reiterated the bank’s support for indigenous players to grow capacity. “The attendant effect on job creation and economic development is huge and unimaginable if Nigerian companies can participate more in the entire oil and gas value chain” he said.
Source: The Guardian
Oil extended gains to near $75 a barrel after an industry report showed U.S. inventories shrunk as global output disruptions continued to stoke concerns over supply shortfalls.
Crude in New York increased as much as 1 percent as the premium on front-month futures surged even higher against later contracts. The American Petroleum Institute was said to report nationwide stockpiles dropped 4.51 million barrels last week. While the Saudi Cabinet affirmed the kingdom is ready to use its spare capacity as needed, the Middle Eastern nation also reiterated with Russia that OPEC’s agreement with allies is to boost output by 1 million barrels a day.
Oil is trading near the levels last seen in 2014 as a drop in global output due to disruptions from Libya to Canada and Venezuela were seen outweighing production gains by the Organization of the Petroleum Exporting Countries. Morgan Stanley increased its Brent crude forecast to $85 a barrel next year, while President Donald Trump continued to push OPEC’s biggest producer Saudi Arabia to pump more and reduce petroleum prices for consumers.
“Recent up moves have been surprising and the disruptions have caught a lot of traders by surprise,” Michael McCarthy, a chief market strategist at CMC Markets, said by phone from Sydney. “We’re likely to see further gains as the shift from a surplus to a deficit will come faster than expected. The supply side is constrained and markets are vulnerable to upside risks, and larger-than-anticipated draws in the U.S. are very supportive in the short term.”
Oil Prices:
West Texas Intermediate crude for August delivery traded at $74.59 a barrel on the New York Mercantile Exchange, up 45 cents at 11:28 a.m. in Singapore. Prices rose 20 cents to close at $74.14 on Tuesday, after breaching $75 for the first time since 2014. The premium for front-month futures widened to $2.64 a barrel against September delivery contracts. Total volume traded was about 35 percent below the 100-day average.
Brent for September settlement was 0.5 percent higher at $78.16 a barrel on the London-based ICE Futures Europe exchange. The global benchmark traded at a $6.11 premium to WTI for the same month.
Yuan-denominated futures for September delivery slid 0.9 percent to 498.8 yuan a barrel on the Shanghai International Energy Exchange. The contract closed 0.4 percent higher on Tuesday, capping the longest run of daily gains since their debut in late March.
Supplies Shrink:
As well as declines in nationwide stockpiles, inventories in the key storage hub of Cushing, Oklahoma dropped by 2.6 million barrels, the API was said to report. If confirmed by U.S. government data Thursday, that would be the seventh consecutive decline. Nationwide stocks are forecast to have fallen by 5 million barrels, according to a Bloomberg survey.
Saudi Arabia said the country would “use its spare capacity when needed to deal with any future changes in oil supply and demand rates, in coordination with other producing countries,” according to a report in the Saudi Press Agency. Earlier, the kingdom and Russia’s energy ministers reiterated the agreement reached last month in Vienna, following President Trump’s tweet over the weekend that said he’d received assurances from the Middle Eastern nation that it could increase production by double that volume.
Source: Bloomberg News
Gulf Arab energy companies retreated from debt markets in the first half of 2018 after a banner year for borrowing as higher oil prices curbed financing needs for existing operations and new projects.
Oil and gas producers, pipeline operators and refiners in Kuwait, the United Arab Emirates, Saudi Arabia, Oman, Bahrain and Qatar borrowed $6 billion through loans and bonds in the first half of 2018, the slowest start in four years, according to data compiled by Bloomberg. By comparison, U.S. energy companies, driven by resurgent shale production, issued a record $74.3 billion in debt so far in 2018.
The diverging debt appetites between the six Arab exporters and U.S. suppliers shows that Gulf Cooperation Council, or GCC, producers are bringing in more cash to finance operations and expansion after crude prices rose 18 percent this year.
It also reflects how higher prices are spurring a debt-fueled surge in U.S. production, which is pumping a record 10.9 million barrels a day and has averaged 10.4 million barrels this year, according to Energy Information Administration data. GCC countries pump about 17 million barrels a day and their energy industries borrowed a record $28.7 billion in 2017, with $12.8 billion in the first half.
Oil and gas producers in the U.S. are far more dependent on debt than GCC exporters. Borrowings in the U.S. tend to rise with oil prices to finance drilling activity, while Gulf Arab producers seek debt when prices are low and companies have to send more cash to their government owners to help plug budget deficits.
GCC producers “raised what they wanted last year. This year oil prices are much stronger than anyone anticipated, and they don’t have the capital needs to go back to the market,” said Robin Mills, chief executive officer of consultant Qamar Energy in Dubai. “The U.S. seems convinced that the shale boom is more sustainable, and this is the rush that everyone goes for.”
Oil and gas producers in Saudi Arabia, Kuwait and the U.A.E. plan to spend more than $600 billion on energy projects over the next five to 10 years, officials from the countries have announced. Some of that will be financed by debt, especially for refineries and petrochemical plants, but borrowings will likely be subdued in 2018 because many of the projects won’t begin for a few years, Mills said.
The biggest borrowing in the GCC this year was a $3 billion loan to Abu Dhabi National Oil Co. U.A.E.-based oil field services providers Shelf Drilling Holdings Ltd. and Borr Drilling Ltd. took out a combined $1.25 billion, Saudi Aramco Total Refining & Petrochemical Co. issued a $150 million revolving credit line, and Kuwait Integrated Petroleum Industries Co. borrowed about $1.3 billion to finance the construction of its liquefied natural gas import terminal.
Source: Bloomberg News

In 2017 56 UN peacekeepers were killed in malicious acts such as when they were deliberately attacked, the most fatalities of that kind since 1994. All but one of the fatalities resulted from operations that included “stabilization” in its name.

Four blue-helmeted UN peace operations have had “stabilization” included in their title. These include operations in Haiti, the Democratic Republic of the CongoMaliand the Central African Republic.

The UN has not defined stabilization in official documentation. As a result, the practice of stabilization by UN forces has developed organically in recent years. The Security Council has given increased attention to the concept with recent research showing the term is used more and more during open meetings. In 2001 stabilization was mentioned in 16% and by 2014 the use of the term had spiked to 44%.

Nevertheless, when mandating peace operations the Security Council has not given a consistent indication of what activities fall under stabilization. Likewise, UN personnel have differing understandings of what the term means.

The mandates of stabilization missions have one major similarity – they are routinely instructed to support efforts that extend state authority.

In the stabilization mission to the Democratic Republic of the Congo, for example, this is achieved through the use of a Force Intervention Brigade. The brigade operates in cooperation with Congolese forces and is mandated “to prevent the expansion of all armed groups, neutralise these groups, and to disarm them”. The brigade has used offensive rather than defensive force, which is not the norm in UN peace operations.

In the Central African Republic, the UN has taken a “proactive and robust posture” to help create conditions that will reduce the presence and threat of armed groups. For that purpose, the UN has operated alongside Central African forces on a number of occasions.

These two examples illustrate that stabilization missions are increasingly acting in concert with government forces, posing a potential problem on two fronts. First the UN risks alienating communities it is mandated to protect and, second, the increased intensity of violence against UN forces puts those troops at greater risk.

What does stabilization mean?

The UN appears to have adopted a combination of US and UK understandings in its approach to stabilization. The US sees stabilization as militarily defeating an insurgency to give the “legitimate authority” the monopoly on the use of force while supporting a locally owned transition.

The UK, however, sees stabilization as civilian led action undertaken with military support aimed at long-term recovery from conflict.

Both the UK and US are heavily involved with the mandating and planning of operations as part of the Security Council’s P3 (US, UK and France). The three are the so-called “penholders” on most resolutions relating to UN peace operations.

As a result, UN stabilization missions typically do two things. First, they displace and deter armed groups and, second, undertake peace building activities to entrench state authority and create state legitimacy in the power vacuum left behind. Depending on the situation, the displacement and deterrence of armed groups has been sought by using offensive force or by taking a robust defensive posture.

This approach can be seen in the UN stabilization mission in the Central African Republic. When the mission was deployed in 2014, the state had little authority beyond Bangui, the capital. From the outset UN forces understood robust force would be needed to support the state’s authority outside Bangui and to prevent armed groups from entering the capital.

Three examples bear this out. In February 2017, UN troops opened fire on 40 members of an armed group approaching the city of Bambari. An airstrike was used to show that the armed group had crossed a “red line” around the city that had been imposed to protect civilians. The UN mission also announced that a joint deployment was underway with Central African forces to establish state authority in Bambari.

In January 2018, the UN launched a joint military operation with government forces to deter armed groups from entering the town of Paoua. The most recent example was in April 2018 when UN forces undertook a “joint disarmament and arrest operation” alongside government forces. The targets were criminal groups that threatened civilians and obstructed state authority. The operation led to exchanges of fire and the death of a peacekeeper.

The Congolese, Malian and Central African missions have all operated during ongoing conflicts in contrast with traditional operations where there is peace to keep. These missions are also mandated to use varying degrees of proactive, robust force to prevent attacks on themselves and people they’re trying to protect. This invariably means extending a state’s authority.

Consequently, the lines are increasingly becoming blurred between using robust force for protective purposes and the use of offensive force to fight an enemy alongside the host state government.

A new precedent for UN peace operations?

It may be the case that the UN has now set a precedent of entering conflict zones ready to stand its ground and fend off armed groups rather than wait for peace to keep. But there are risks.

One is increased peacekeeper deaths where troops are increasingly targets of attack. The other is that support from UN member states may wane in the long term as the dangers associated with contributing troops multiply.

What is undoubtedly true is that stabilization efforts will have an effect on the civilian populations the UN is there to protect. The robust use of force by well equipped peacekeepers who can access the latest intelligence and logistical equipmentfrom Western contributing states could lead to the effective deterrence of armed groups and a better chance at a normal life for civilians.

But the importance of who the UN chooses to work with cannot be underestimated. Where the UN seeks stabilization in cooperation with the government it risks marginalising communities disillusioned with the current regime. The UN promotes local ownership in peace building, yet this may be prove more difficult to achieve where UN personnel are seen to be synonymous with state authorities that aren’t trusted by sections of the population.


Credit: The Conversation

Big investors turning to online trading
In the last couple of years, online trading has become a major attraction for professional and inexperienced investors.
Nowadays, big investors prefer investing their money in the global financial markets. Similarly, inexperienced people have found that online trading could be a main source of additional income.
Experts say that today more and more people with no investment experience are taking advantage of the opportunities that online trading provides.
People from the age of 30 to 43, with and without trading knowledge are investing their money every day in trading currencies, stocks or gold on the global financial markets.
1. Great comfort
Being open 24/7, the global financial markets allow investors to trade at their convenience. Early in the morning, late at night or whenever they have free time.
Additionally, some traders take advantage of the opportunity to invest with their mobile phones and smartphones, using the mobile trading apps. This way, they can earn money whenever they spot a profit opportunity.
2. Without a broker
Nowadays, the broker has been largely replaced by online trading platforms that give investors direct access to financial markets.
Trading online allows investors to minimise the transaction costs associated with each trade. Rather than paying a broker commission on every trade, when trading online investors typically pay much lower transaction costs.
Additionally, trading online gives investors control that would otherwise lie with the broker, and allows traders to make their own decisions rather than relying on the judgment of another individual.
3. Small investment
In the past two years, online trading has attracted a great number of expert investors and inexperienced people and one of the main reasons is the small amount of investment required to get started.
Today, anyone can start trading on the global financial markets with as little as a $500 investment.
4. Fast profits
Online trading is a type of investment that allows instant profits. Investors can place a trader when they a see profit opportunity and profit within a short period.
By trading online only in their free time, some investors have registered bigger profits than with any other type of investment. Some traders say that it takes them no more than 20 minutes to place a trade and collect their profits.
Because it requires no education and previous experience, online trading is available not only to big investors but to anyone who has the desire to invest in the global financial markets.
You can start today or anytime you want and learn with a free online trading course.
Brothers who founded firm five years ago expect 10m customers to make $1bn of rides
Climbing into taxis to convince their notoriously sceptical drivers to sign up for a new service might not sound the best way to celebrate graduating from high school. But for Markus Villig, who was just 19 at the time, it was all part of trying to get his start-up Taxify off the ground with his older brother and co-founder Martin.
Few drivers agreed to join the service. “All I had was a lot of drive. I had wanted to start a tech company since whenever. It was extremely difficult to get them to sign up,” Markus, 24, says.
Five years later, however, Taxify is firmly established as Europe’s leading ride-hailing competitor to the likes of Uber and Lyft. Confirmation of Taxify’s success came in May when a $175m investment led by the German carmaker Daimler made it Europe’s latest unicorn, a start-up company valued at more than $1bn. It follows in the footsteps of other start-ups founded by Estonians such as Skype and TransferWise.
First known as mTakso, Taxify started as a pure aggregator of taxis. Success came after a pivot of the business.
“We started based on our personal problems. Tallinn is not too big a city and we had over 30 taxi companies but they all had only 30-50 cars so it was very hard to get one,” says Martin, 39, who has started and run other businesses.
It brought in ratings and credit card payments for convenience and started by signing up companies and then single drivers. But growth was still frustratingly slow, and so the brothers decided to take the plunge into the private hire business and start their own ride-hailing service.
Taking on the tech giants
“We told taxi companies: unless you change your strategy you will die. But the problem is that most companies are dinosaurs. So we moved on to individual drivers and had more success but it was still fairly slow. The big growth only came when we moved on to private hire drivers,” says Markus.
Taxify has tried to take business from other companies and says it has done so with a promise of better pay for drivers and cheaper fares for passengers. It thus takes a smaller margin for itself, but the brothers argue they gain a lot back by being more efficient than competitors. This year they are expecting more than $1bn of rides with about 10m passengers in 25 countries throughout Europe, Africa and Australia.
We realised the need for ride-sharing platforms is significantly bigger in Africa. In Europe car penetration is high, public transport is good. In Africa, in most cases, this doesn’t apply at all
The second stage of their strategy had been to focus on eastern Europe, looking at neighbouring Latvia and Finland first and then Lithuania. But as its external funding increased it started looking further afield both in Europe, to cities such as London and Paris, but also to Africa where the brothers had spotted a gap.
“We realised the need for ride-sharing platforms is significantly bigger in Africa. In Europe car penetration is high, public transport is good. In Africa, in most cases, this doesn’t apply at all,” says Markus. Taxify is present in cities such as Accra, Dar es Salaam, Nairobi, Lagos, Cape Town and Kampala.
Martin says Taxify’s strategy is to first head for a country’s capital city and once that is up and running head for the second, third and fourth cities. Much of its growth in the next few years — it is aiming to be in several hundred cities, up from the current 40 — will come from existing countries.
Starting up in a new country is not easy, especially as Uber or other services have often arrived there first. Markus says: “The thing in this space is that as we started many years after Uber most markets already have competition. Definitely the early days are hard because we don’t have as many cars. But because we are providing a better deal, we get more people coming to us.”
A protester at a recent demonstration against Uber, one of Taxify's rivals. One of the battles for ride-hailing apps is regulation.
One of the battles for ride-hailing apps is regulation. Taxify has been kept out of London by strict taxi licensing rules for some time. Both brothers, however, go out of their way to praise the city for regulating not just the drivers but also ride-hailing platforms. “Platforms in the past have been too sloppy. That is why TfL [Transport for London, the regulator] is very cautious because they had a bad experience. We were one of the platforms hit by that,” says Markus.
For now the money being ploughed into the company gives the brothers a chance to play in what Markus calls “the biggest tech playground currently”. Taxify’s latest investment round included Daimler, the owner of Mercedes-Benz, the Chinese ride-hailing app Didi Chuxing, which was already an investor, plus one of the founders of TransferWise.
“The industry is so great that there’s room for us to grow 100 times from here. We could go public, we could get acquired,” says Markus.
Martin butts in to say that demand for ride-sharing could rise globally 10-fold in the next decade. “That is why we see there is so much potential ahead and so much funding. It’s still too early to sell out. We can have such a big impact.”
Source: Bloomberg
Sipho Pityana, businessman, Save SA convenor, and outspoken critic of former president Jacob Zuma, is set to take over as president of Business Unity South Africa (BUSA) later in June.
Pityana, the founder and chairman of black economic empowerment group Izingwe Capital, was unanimously nominated for election as president. He will take on his new role with effect from June 26, when the next AGM takes place, BUSA said in a statement on Tuesday. 
He will take over the reins from Eskom chairperson Jabu Mabuza, who served for two terms. Martin Kingston has been nominated to serve a second term as vice president. 
The new BUSA board and elected members will be ratified at the AGM.
"It’s an honour to be asked to serve the unified voice of business at such a critical time in our struggle for transformative inclusive economic growth, as we position our country to be a successful participant in the Fourth Industrial Revolution," Pityana said in a statement.
Pityana currently holds positions on various boards, including AngloGold Ashanti. He has held board positions at companies listed on the New York, London and Johannesburg stock exchanges, as well as unlisted companies.
He was the former chairperson of the National Students’ Financial Aid Scheme, or NFSAS, and is currently chairperson of Council of the University of Cape Town. He was also previously the chair of the Council for the Advancement of the South African Constitution.
Pityana also has experience in government, having served as director-general of the Department of Foreign Affairs from 1999 to 2002. He was also director-general of the department of labour from 1995 to 1999.
He was one of the founders of the National Economic Development and Labour Council (NEDLAC) and the Council for Conciliation Mediation and Arbitration (CCMA).
Pityana has served in a number of other business groupings. 
BUSA, in a statement, recognised Pityana's "strong sense of civic duty" which led him to form advocacy group Save SA, after revelations of state capture emerged. 
Other elected BUSA board members include Absa CEO Maria Ramos, Managing Director of the Banking Association of South Africa Cas Coovadia, and CEO of the Minerals Council of SA - previously known as the Chamber of Mines - Roger Baxter.
Speaking on his term of office, Mabuza said he was confident that he was leaving the organisation in a "stronger state", with business having a credible voice anchored by "constructive engagement" with social partners.
"It is critical for business to adopt a proactive and unified stance as it seeks to unlock value in the economy and address poverty, inequality and unemployment. I congratulate the incoming board under the leadership of Sipho," said Mabuza.  
Source: Fin24

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  1. Opinions and Analysis


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