Missile-capable frigate BRP Jose Rizal inches closer to entering PH Navy’s fleet Smith injured his right foot in the semifinals series between TNT and Ginebra and only missed one game before returning to action.“I don’t think he’s even injured,” joked Fajardo. “We just need to rest and follow the game plan and bounce back.”Sports Related Videospowered by AdSparcRead Next View comments LSU title parade draws massive crowds Filipinos turn Taal Volcano ash, plastic trash into bricks PLAY LIST 01:40Filipinos turn Taal Volcano ash, plastic trash into bricks01:32Taal Volcano watch: Island fissures steaming, lake water receding02:14Carpio hits red carpet treatment for China Coast Guard02:56NCRPO pledges to donate P3.5 million to victims of Taal eruption00:56Heavy rain brings some relief in Australia02:37Calm moments allow Taal folks some respite Photo by Tristan Tamayo/INQUIRER.netSan Miguel center June Mar Fajardo downplayed his premature exit from the court after he fouled out late in Game 4 of their PBA Commissioner’s Cup Finals series against TNT Wednesday at Smart Araneta Coliseum.Fajardo was in foul trouble early in the game, incurring two in the first quarter alone, and he eventually left the floor with 2:02 left after hitting TNT import Joshua Smith on a shot attempt.ADVERTISEMENT LaVine scores 42, Chicago rallies late to beat Cavs End of his agony? SC rules in favor of Espinosa, orders promoter heirs to pay boxing legend Tobias Harris’ late 3 seals Sixers’ win over Knicks Clippers, Lakers among most-watched NBA teams by Filipinos Ai-Ai delas Alas on Jiro Manio: ‘Sana pinahalagahan niya ang naitulong ko’ LATEST STORIES San Beda sticks with Noah, Tankoua for NCAA Season 93 “Fouling out? That’s part of the game,” said Fajardo after the Beermen lost to the KaTropa 102-97.In a game where that went testy to say the least, Fajardo admitted he was quite frustrated but he vowed to leave the loss behind and get to Game 5 with a more positive outlook.FEATURED STORIESSPORTSEnd of his agony? SC rules in favor of Espinosa, orders promoter heirs to pay boxing legendSPORTSRedemption is sweet for Ginebra, Scottie ThompsonSPORTSMayweather beats Pacquiao, Canelo for ‘Fighter of the Decade’“I frustrated a little bit, but that’s just how it is,” said Fajardo who finished with 13 points and nine boards. “The game’s over, we just have to learn from it and bounce back in the next game.”Fajardo, who had difficulty matching up against the heftier Smith, even joked the TNT big man doesn’t seem to be injured. Don’t miss out on the latest news and information. MOST READ Duterte’s ‘soft heart’ could save ABS-CBN, says election lawyer Thousands join Kalibo Ati-atihan despite typhoon devastation
Gretchen Barretto’s daughter Dominique graduates magna cum laude from California college Finals MVP Bryan Bagunas carried NU in the clutch, scoring four of his team’s last five points including three straight kills to seal the win.“Of course I’m happy we’re the champions again, and I’m proud of our performance because it kept on improving until we got here in the finals,” said NU head coach Dante Alinsunurin.FEATURED STORIESSPORTSGolden State Warriors sign Lee to multiyear contract, bring back ChrissSPORTSCoronation night?SPORTSThirdy Ravena gets offers from Asia, Australian ball clubs“I’m just ecstatic because of what we’ve achieved this year.”Bagunas, who was named Finals MVP, finished with a career-high 35 points, practically carrying NU on his back. Fellow graduating Bulldog Madzlan Gampong had nine points while Rookie of the Year James Natividad had eight.Richard Solis had 18 points to lead FEU, which had four more players score in double digits.John Paul Bugaoan, Jude Garcia, Redi John Paler, and Peter Quiel had 11 points apiece.NU took Game 1 in four sets, 21-25, 25-23, 25-23, 25-18.ADVERTISEMENT Eduard Folayang gets new opponent for ONE Manila card Don’t miss out on the latest news and information. NCRPO pledges to donate P3.5 million to victims of Taal eruption PLAY LIST 02:56NCRPO pledges to donate P3.5 million to victims of Taal eruption00:56Heavy rain brings some relief in Australia02:37Calm moments allow Taal folks some respite03:23Negosyo sa Tagaytay City, bagsak sa pag-aalboroto ng Bulkang Taal01:13Christian Standhardinger wins PBA Best Player award03:05Malakanyang bilib sa Phivolcs | Chona Yu LATEST STORIES View comments NU Bulldogs keep UAAP crown. Photo by Tristan Tamayo/INQUIRER.netMANILA, Philippines—National University retained its throne after a sweep of Far Eastern University ending in an emphatic 24-26, 25-23, 25-23, 25-19 Game 2 win in the UAAP Season 81 men’s volleyball finals Wednesday at Mall of Asia Arena.The Bulldogs claimed their fourth overall volleyball title since winning the first one in Season 75 against, as fate had it, the Tamaraws.ADVERTISEMENT Phivolcs: Slim probability of Taal Volcano caldera eruption LeBron James stretches lead in NBA All-Star Game fan voting The Witcher series prompts over 500,000 reprints of Andrzej Sapkowski’s books Pagadian on tighter security for 100,000 expected at Sto. Niño feast Carpio hits red carpet treatment for China Coast Guard MOST READ Solon urges Solgen to reconsider quo warranto petition vs ABS-CBN Will you be the first P16 Billion Powerball jackpot winner from the Philippines? Rory McIlroy likely to play in 2020 Olympics for Ireland Sports Related Videospowered by AdSparcRead Next
Dear Editor,Could the nation be kindly advised if Minister Cathy Hughes is still awaiting the legal advice that she said she was seeking about whether her position as a Cabinet Minister is a conflict of interest considering her husband’s vast financial interest in Guyana’s oil and gas business? To the rest of us we are pretty clear it is a conflict. How long is this advice taking to reach her?Respectfully,Baldeo Mathura
A Norwegian technical team is due in Guyana next Tuesday for a series of engagements with the Guyana Government, the Ministry of Natural Resources said Tuesday in a statement.The team comprises officials from the Norwegian Agency for Development Cooperation (NORAD) and Norway’s International Climate and Forest Initiative.The focus of the April 26 to May 4, 2016 visit is to work with the Natural Resources Ministry, the Office of Climate Change (OCC), the Project Management Office (PMO), Guyana Forestry Commission (GFC) and other stakeholders, “to improve capacity in executing the Joint Concept Note and taking advantage of REDD+ opportunities.”The statement said that since it took office in May, 2015, the Government of Guyana has been making steady progress towards creating a stronger agreement and better outcomes for Guyana’s green growth.“To date, the Government has facilitated several meetings and discussions with Norwegian Official,” it said.The statement said during a recent exchange with Minister of Natural Resources Raphael Trotman and Norway’s new Minister of Climate and Environment Vidar Helgesen recognised the efforts being made by government.“I would like to congratulate you on your initiative to review and make public all information on logging concessions,” the statement said.Minister Helgesen was also quoted as saying he was encouraged that the Guyana government intended to review the Amerindian Act, in close consultation with affected stakeholders.Minister Trotman, who has responsibility for the Guyana/Norway agreement is also encouraged by the progress to date and looks forward to the visit, which will continue to advance the partnership in a way that is supportive of Guyana’s “green growth” vision.Meanwhile, Opposition Leader Bharrat Jagdeo is quoted in other sections of the media as saying he will maintain his call for a suspension of the Guyana-Norway Partnership until Trotman apologises or an international probe is launched into his claim that the former People’s Progressive Party/Civic had given out all of Guyana’s productive forest.Trotman told Guyana’s National Assembly during the 2016 Budget debate in February that when the APNU/AFC (PPP/C) took office it found that all of the productive forests were allocated.The PPP/C has since rubbished the claims as “wild”.Guyana and Norway entered into the forest partnership back in 2009 and this country has already earned up to US0 million.Of that amount, US million has been transferred to the Guyana REDD+ Investment Fund (GRIF).US million has been transferred to the Inter-American Development Bank (IDB) for the delayed Amaila Falls Hydropower Project.
STAFF at Pramerica are getting ready for their company’s Global Volunteer Day this Saturday – with more than a dozen events planned to help charities.“After Japan’s devastating earthquake and tsunami in March, I personally witnessed the transformative power of volunteerism and community service. Immediately following the disaster, our employees around the globe mobilized.” said Prudential (PFI) boss John Strangfeld, the parent company of the Letterkenny organisation.“In Japan, employees showed tremendous courage and compassion. Amidst their own hardships and personal losses, they found ways to check on their clients’ safety and see how they could help. Employees outside of the affected areas of Japan also responded with a generosity of support — seeking opportunities to assist in any way possible. These collaborative efforts embodied the ideals of service, solidarity, and the unifying belief that together we can make the world better.” PFI introduced Global Volunteer Day in October 1995 to celebrate employees’ volunteer activities. That year, more than 5,000 PFI employees and their families and friends worked on 100 volunteer projects in the United States and Japan. Last year, more than 25,000 people participated in 800 Global Volunteer Day projects in the United States, Ireland and eight other countries where PFI has a business presence.“Every year we marvel at the selfless efforts of hundreds of Pramerica employees who are so committed to giving back to the community through volunteer service with community-based organizations,” said Henry McGarvey, managing director of Pramerica Systems Ireland. “Global Volunteer Day is a special opportunity to recognise and honour their commitment to service.”Projects conducted on Global Volunteer Day include beautifying local parks, cleaning up school playgrounds, building homes, preparing food for the needy, caring for animals at a local shelter, holding a car wash for charity, mentoring children and many other activities.This Saturday an estimated 400 Pramerica employees, family members and friends will participate in the following: — A Fun Kids’ Day and beach clean-up to benefit the Irish Society for the Prevention of Cruelty to Children. 10 a.m. – 2 p.m. at Lisfannon Beach in Fahan/Buncrana.— A clean-up of the Football Pitch area at Ballyraine Football Club, including painting storage facilities and goal posts and other activities. 9 a.m. – 1 p.m. in Letterkenny— Sorting various items received by De Ja Vu, a subsidiary of St. Vincent De Paul. 9:30 a.m. – 12:30 p.m. at Lower Main Street in Letterkenny.— Painting at the Rathmullan Day Care Centre. 9:30 a.m. – 4:30 p.m., 20 Carraigh Craobh in Letterkenny.— A tidy-up of the gardens and grounds of Donegal Hospice, Knocknamona. 10 a.m. – 1 p.m. in Letterkenny. — Special Olympics “ROCKS,” a fun day of activities at the Northwest Special Olympics Northwest Special Olympics for athletes and their families. Includes games, karaoke, face painting and art. 11 a.m. – 3 p.m., St Conal’s Hall, Town Park, Letterkeny.— Charity walk to raise funds for the Letterkenny Autism Family Support Group. 11:00 a.m. – 4 p.m., Ards Forest, Creeslough.— 12K Foyle Tri Bridge Fun Walk/Run to raise money to help Foyle Search & Rescue build an extension to their headquarters. Begins at 11 a.m. at Sainsbury’s Car Park in Derry.— A car wash to help Rashenny National School purchase equipment for a new classroom it is building. 10 a.m. until 2 p.m. at Rashenny National School, Clonmany. — Helping the Tidy Town Group paint rooms in the Ramelton Town Hall and fences outside the building. 10 a.m. – 6 p.m. Town Hall, Castle St., Ramelton.In addition, several other volunteers will spend Friday night cooking meals that will be delivered the next day to local residents who ordered boxed lunches to help OXFAM Ireland raise money to ease the East African food crisis.On Sunday, several Pramerica volunteers will take part in a benefit walk for the Irish Seal Sanctuary, a wild life charity dedicated protecting rescued marine wildlife. It will take place from 1:30 p.m. to 5:30 p.m., beginning at the forest entrance of the sanctuary near the bridge outside Gweedore, to Money Beg along Lough Nacung, and ending at the Dunlewey Centre, Co Donegal.And on the following Saturday, 8 October, volunteers will participate in two additional Global Volunteer projects. From 9 a.m. – 6 p.m. that day, they will pack bags at New Dunnes Stores in the Forte Shopping Centre in Letterkenny to raise money to help Scoil Mhuire, Ramelton buy technical equipment such as computers, overhead projectors, photocopiers and whiteboards; and at the same time, other volunteers will paint and re-claim an overgrown car park area at Glenmornan Community Center at Glenmornan, Artigarvan, Strabane, Co. Tyrone, Artigarvan.Follow the happenings of this year’s event on Twitter by searching for #PruGVD2011.PRAMERICA STAFF GET READY FOR GLOBAL VOLUNTEER DAY was last modified: September 29th, 2011 by BrendaShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)Tags:PRAMERICA STAFF GET READY FOR GLOBAL VOLUNTEER DAY
It’s a price sign of the times. During March there were more home sales above $1 million than in three price ranges under $450,000. In March, the latest numbers available from the Southland Regional Association of Realtors, buyers bought 154 single-family homes costing more than $1 million. There were 61 sales of homes costing between $350,000 and $450,000; 48 sales of homes priced between $250,000 and $350,000; and just 14 sales of housing costing under $250,000. Most of the sales, 431, came in the $450,000 to $600,000 range. That’s the price sweet spot in this current market. And it’s a pretty striking example of how hard it is to find a great deal at the top and bottom of the San Fernando Valley market. That million-dollar home today was likely in the $800,000 to $1 million range a year ago. It wasn’t that long ago that $450,000 got you a nice home. Today that buys you a smaller home than it did a year ago. It might need some work, too. Anyone who sat on the sidelines over the past couple of years waiting for prices to fall is now looking at less home for the money if they can even get into the market now. And even prices going sideways monthly on a consistent basis won’t offer much relief. Economists and market watchers continue to point out that mortgage rates still look attractive historically. That’s true. But when your reference point is rates under 6 percent not too long ago, today’s level just means more cash out of pocket when paying the mortgage. Last Thursday mortgage giant Freddie Mac’s weekly survey had the 30-year fixed rate at its highest level in nearly four years. For the week ending May 4, the company had the benchmark rate at 6.59 percent, just above the 6.58 percent the prior week. That’s the highest since 6.63 percent the week of June 20, 2002. A year ago, 30-year mortgages averaged 5.75 percent. Current rates will get buyers’ attention. Rates have now gone up for six weeks in a row. It’s happening in part because of worries over inflation. When inflation increases, long-term rates usually follow. So playing a waiting game might get more expensive. “We expect that the mortgage rates will continue to trend upward over the coming year, but that upward trend will be modest at best,” Frank Nothaft, Freddie Mac’s chief economist, said in a statement. Expect some financial fallout. Nothaft predicts there will be fewer refinancings. But when owners do refinance, a larger percentage will be drawing some equity out of their homes, many to pay off previously existing home-equity loans and lines of credit as they become more expensive, he said. Today, at least according to March’s price snapshot, it’s easier to find a real expensive home than a real inexpensive home. And despite interest rates heating up and price cooling off, that disparity will likely continue for a while. firstname.lastname@example.org (818) 713-3743 AD Quality Auto 360p 720p 1080p Top articles1/5READ MOREBasketball roundup: Sierra Canyon, Birmingham set to face off in tournament quarterfinals160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set!
Coral’s Simon Clare joins the Alan Brazil Sports Breakfast to round up the latest sporting odds.Will Arsene Wenger’s decision to leave a host of his top players at home back-fire for Thursday’s Europe League trip to Belarus?Alexis Sanchez, Mesut Ozil, Aaron Ramsey, Granit Xhaka, Laurent Koscielny, Petr Cech, Nacho Monreal, Hector Bellerin and Sead Kolasinac are among the players who have not travelled, with the Gunners 3/5 for an away victory over BATE Borisov, who are 9/2 to win at home. The draw is 29/10.Meanwhile, Everton will hope to rediscover some form against Cypriot team Apollon Limassol at Goodison Park, with the Toffees 2/7 favourites to win and the visitors 10/1 to pull off a shock in Merseyside.Coral is the official betting partner of the Alan Brazil Sports Breakfast
The biggest market value losers in 2019, including Bale and ex-Liverpool star Arsenal transfer news LIVE: Ndidi bid, targets named, Ozil is ‘skiving little git’ 2 Where every Premier League club needs to strengthen in January Tony Cascarino backs Everton to sign two strikers for Carlo Ancelotti 2 “I’ve had young players who have moved to big clubs that it halted their career. There’s a dynamic with this young player that he hasn’t really earned his stripes, he hasn’t really learned the game, he hasn’t played enough to be able to land at a place like Manchester United.“But behind every football club there has to be a balance. You have to have these young, energetic and vibrant young footballers that want to be part of a next generation – like the ‘Class of 92’ who became the next generation of Manchester United.“I also think there’s a balance between getting younger players alongside seasoned inspirational pros who are at the top of their game. LATEST TRANSFER GOSSIP LATEST Simon Jordan believes the signing of Daniel James from Swansea is the positive change of direction Manchester United needed after years of silly spending.The 21-year-old Swansea winger is expected to become Ole Gunnar Solskjaer’s first summer signing after agreeing a £15million transfer from the Welsh club. targets Man United joined by three other clubs in race for Erling Haaland TOP WORK “There’s nothing wrong with buying £90m footballers, besides the lunacy of it but that’s just the market now, it’s everything wrong with buying £90m players like Pogba who have got far too much to say for themselves and don’t want to fit into the culture of the club.“So, I think this is a step in the right direction for Manchester United.” Money well spent? moving on James has been hailed as an old-school signing for United due to his lightning pace on the flank, and has been tipped for a bright future at Old Trafford.Former Crystal Palace owner Jordan believes the young Welshman may struggle for first-team football initially, just like Wilfried Zaha did when he left the Eagles to join United in 2013.But Jordan believes his imminent arrival at Old Trafford is a massive step in the right direction for the club, having blown millions on flopped big-money signings in recent years. Paul Pogba – £94mRomelu Lukaku – £76mÁngel Di María – £67mAnthony Martial – £54mFred – £53mJuan Mata – £40mNemanja Matic – £40mHenrikh Mkhitaryan – £37mSource: Transfermarkt targets Man United’s big-money signings over last five years: REVEALED Getty Images Kevin De Bruyne ‘loves Man City and wants to keep winning’, reveals father James celebrates his winning goal for Wales in a Euro 2020 qualifier against Slovakia back in March IN DEMAND LIVING THE DREAM Cavani ‘agrees’ to join new club and will complete free transfer next summer Liverpool’s signings under Michael Edwards – will Minamino be the next big hit? “I think this is exactly the kind of move Manchester United should be making,” Jordan told talkSPORT on Thursday.“I think United are going to spend an unprecedented amount of money this summer to be able to bridge the gap, and it’s a risk because think they’ve got the wrong manager in place.“I also think this move is a risk for the young player to take his career and maybe find himself on the periphery of the first team for a significant part of the season.
Former Arsenal striker Perry Groves insists he would take the Gunners finishing fourth over England winning the European Championship.In a debate with Sports Bar host Jason Cundy, Groves confessed that while he loves the Three Lions, his passion for Arsenal goes well beyond his attachment to the national side.Many would agree with Groves if presented with the prospect of their club winning a major trophy, as Cundy pointed out. Check out all the live commentaries coming up across the talkSPORT network this week Strugglers Wigan hold Blackburn to goalless draw in Championship stalemate Spurs investigation into alleged racial abuse of Rudiger is so far ‘inconclusive’ Getty Images – Getty on target latest Man United transfer news live: Haaland ‘wants a change’, two players off in January What every Premier League club’s fans dream of this Christmas BIG PRESENTS UP TOP Perry Groves would trade England success for Arsenal finishing fourth In their bid to reach Euro 2020, England face two qualifiers against Bulgaria and Kosovo in the coming days.The Three Lions are currently top of Group A after winning their opening two games.Saturday is GameDay on talkSPORT and talkSPORT 2 as we become your go to destination for all the Premier League action. We’ll bring you LIVE commentary of Premier League games across all three time slots on Saturday – 12.30pm, 3pm and 5.30pm – delivering award-winning coverage to more GameDay listeners than ever. But fourth over the Euros!? Come on!Here’s what Groves had to say for himself: “I’d rather Arsenal came third or fourth in the Premier League than England win the Euros.“In the progress of Arsenal as a team, to get better players, if you get in the Champions League, you can attract better players and make your team stronger. LIVE on talkSPORT Top scorer in 2019: Messi, Mbappe and Sterling trailing Europe’s top marksman statement Getty Images – Getty 2 2 deals rookie error Liverpool transfer news live: Star man wanted by Real Madrid, Mbappe latest and more LATEST FOOTBALL NEWS targets Southgate’s men came close to World Cup glory in 2018 Germany vs Netherlands (Friday, 7:45pm) – talkSPORT 2MK Dons vs AFC Wimbledon (Saturday, 12pm) – talkSPORT 2Coventry City vs Blackpool (Saturday, 3pm) – talkSPORT 2England vs Bulgaria (Saturday, 5pm) – talkSPORT “I love England and I want England to be successful, I love the way the country comes together.“But the pain you get when you follow your club lasts a lot longer. If England don’t do particularly well, you get frustrated. After four or five days, that goes.“My loyalty and focus is on my club’s success in the future going forward.” Ian Holloway thinks Arsenal have made a mistake in hiring Mikel Arteta Tony Cascarino backs Everton to sign two strikers for Carlo Ancelotti
Solution providers offer a wide spectrum of mission-critical products and services designed to help meet the rising demands of the asset protection function and the retail business in general. We use these resources to increase efficiencies, improve performance, enhance productivity, support safety, lower costs, and discourage theft.By the same respect, our vendors can offer much more than simply providing mission-critical products and services. They have become an extension of our team and partners in the success of our department, our program and our company. They work with us to find solutions to both the simple and complex challenges we face on a daily basis. These relationships have become an essential factor in the success of today’s loss prevention programs, and it is more important than ever that we effectively manage all aspects of our vendor relationships—from selecting the right vendor to achieving optimal results that best meet our business objectives.Protos Security, a leading nationwide security guard services management company is bringing business intelligence to the security guard industry. Protos Security provides permanent, temporary, and emergency guard services throughout the United States, Canada, and Puerto Rico.- Sponsor – The Protos Client Web Portal brings transparency and real-time technology to our clients who can finally gain clear oversight into their security guard program. Protos Security is focused on making our clients jobs easier and reducing costs. Protos understands the challenges and responsibilities unique to the guard industry. Over the last decade we have built the largest guard network as well as the tools and technology to solve the problems once-and-for-all.As your end-to-end guard provider, Protos delivers a number of benefits:One point of contact for all service in the U.S., Canada, & Puerto RicoElectronic timekeeping and one simple invoice100% data transparencyInvoices based on actual time worked (not projected)Better projections and budgeting based on reportsFrees up your time to work on other aspects of your jobEasy online guard requestsCustom data pathwaysAll the great technology wouldn’t matter if Protos didn’t have the people to back it up. Every Protos client can rely on the strength of Team Protos watching over your needs at every level. Client Account Managers serve as your primary point of contact, Dispatch Operations monitors every guard posting 24/7/365, and Compliance/QA follows up if we learn of any issues. Powered by the best tools in the industry and more than 100 combined years of security guard management experience, Team Protos is here to serve you better than anyone else.We believe when talented individuals come together, united by a single purpose the result is greater than all the parts. Abandon Mediocrity isn’t just a tagline to put on a brochure; it is at the core of each and every day fueling our relentless innovation and fanatical approach to customer service.Featured Content:Industry Innovation Continues A Profile in PartnershipBuyer, Beware: 4 Warning Signs of a Bad Contract Security ArrangementIntegrating Technology and Contract Officer ManagementWomen of Loss PreventionLPM Excellence Recognizes Kris Vece, LPQ, for PartnershipsThe global reach of the retail world drives us to stay current in all aspects of the business. It takes a diverse and collective effort to accomplish our goals and objectives, expanding our knowledge and our resources when necessary in order to accomplish critical tasks and improve results. We must carry the ability to continually upgrade our knowledge and skill sets, building a professional plan that drives us forward to meet the changing needs of our current position—and the one after that.We encourage you to take the steps to learn more about our solution provider partners and improve your awareness regarding the products and services available to support the loss prevention industry. The time spent reviewing these brief summaries can add new perspective to the products and services that help shape our industry, and long-term value to your career development.For more information on our industry solution providers, visit LP Magazine’s Business Directory. Stay UpdatedGet critical information for loss prevention professionals, security and retail management delivered right to your inbox. Sign up now