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711bet live Cyclized Rubber Negative Photoresist Market Outlook and Future Projections for 2030 12-28-2024 12:09 PM CET | Business, Economy, Finances, Banking & Insurance Press release from: Dhirtek Business Research and Consulting Cyclized Rubber Negative Photoresist Market The cyclized rubber negative photoresist market represents a dynamic and continually evolving landscape, shaped by changing consumer demands and technological advancements. In this comprehensive report, we provide an in-depth exploration of the market, designed for a wide range of stakeholders including manufacturers, suppliers, distributors, and investors. Our goal is to equip industry participants with essential insights that enable informed decision-making in an ever-changing market environment. This analysis not only examines the current state of the cyclized rubber negative photoresist market but also forecasts its future trends. Scope and Purpose This report serves as an extensive resource, thoughtfully curated to deliver actionable intelligence to industry stakeholders. It covers critical elements such as market dynamics, competitive environments, growth opportunities, challenges, and regional differences. The insights provided go beyond mere descriptions, offering a valuable tool for stakeholders to refine their strategies and make informed choices in a competitive market. Request for Sample Report: https://www.dhirtekbusinessresearch.com/market-report/Cyclized-Rubber-Negative-Photoresist-Market/request-for-sample-report Comprehensive Market Analysis We are committed to providing a thorough analysis that explores every aspect of market growth, including shifts in consumer preferences and technological innovations driving demand for cyclized rubber negative photoresist products. We also address the challenges faced by the industry, such as economic uncertainties and intense competition, offering insights to help stakeholders navigate these complexities. Key Players in the Cyclized Rubber Negative Photoresist Market: Tokyo Ohka Kogyo Dongjin Semichem Eastman Kodak Allresist Alfa Chemistry Fujifilm Electronic Materials Sumitomo Chemical DuPont JSR Corporation Shin-Etsu Chemical Crystal Clear Chemical Kehua Microelectronics Materials Nata Opto-electronic Material Strategic Guidance for the Future This report invites stakeholders to delve into a detailed examination of the competitive landscape. By profiling key players in the cyclized rubber negative photoresist market and analyzing their strategies, we offer crucial insights to help industry participants make informed strategic decisions. Whether it's about outpacing competitors or learning from successful approaches, our analysis is designed to guide stakeholders toward success. Anticipated Insights Understanding the diverse segments within the cyclized rubber negative photoresist market is critical to success. Our report breaks down segment sizes, potential growth trajectories, and key trends, offering actionable insights that allow stakeholders to develop targeted strategies and optimize resource allocation. The knowledge provided empowers stakeholders to navigate the complexities of the cyclized rubber negative photoresist market with clarity and confidence. Balancing Market Forces and Strategic Impact This report delivers a comprehensive analysis of the factors shaping the cyclized rubber negative photoresist market. By evaluating both the drivers of market growth and the obstacles that could impede it, stakeholders gain a holistic understanding of the market's dynamics. For manufacturers, this analysis helps align innovation efforts with consumer demands and regulatory trends, while investors and decision-makers gain a deeper understanding of economic risks and supply chain vulnerabilities, allowing them to make more informed strategic choices. Our goal is to provide stakeholders with the knowledge needed to confidently and successfully navigate the cyclized rubber negative photoresist market. Competitive Landscape Our in-depth examination of the cyclized rubber negative photoresist market's competitive landscape highlights key players, scrutinizing their strategies and impacts on the industry. By analyzing the approaches of major companies, stakeholders gain a valuable understanding of market dynamics and can leverage these insights to identify growth opportunities, innovate, and make informed strategic decisions. Market Segmentation The report begins with a detailed analysis of the unique characteristics defining each segment within the cyclized rubber negative photoresist market. Segmentation can occur across various dimensions, including product types, customer demographics, or specific use cases. Understanding these differences allows stakeholders to tailor their strategies, products, and marketing efforts to meet the specific needs of each segment, enhancing competitive positioning and maximizing opportunities for success. Market Segments: Product Type: High Resolution Low Resolution Application: Display Semiconductor Printed Circuit Board Others Market Size and Segment Growth Potential A crucial part of the report focuses on understanding the size and significance of each market segment. We provide quantitative data that illustrates the market share and contribution of each segment, enabling stakeholders to make informed decisions regarding resource allocation, strategic prioritization, and investment. This section offers insights into the growth potential of each segment, including factors driving future expansion, evolving consumer preferences, and technological adoption. Conclusion This report serves as a strategic guide for stakeholders in the cyclized rubber negative photoresist market, offering comprehensive insights into market segmentation, competitive dynamics, and growth potential. By understanding the market's complexities and emerging opportunities, industry participants can make well-informed decisions that drive success and innovation in this rapidly evolving market. Other Reports Optical Star Tracker Market https://www.dhirtekbusinessresearch.com/market-report/Optical-Star-Tracker-Market LTPS-TFT Micro-LED Displays Market https://www.dhirtekbusinessresearch.com/market-report/LTPS-TFT-Micro-LED-Displays-Market Acetaminophen Injection Market https://www.dhirtekbusinessresearch.com/market-report/Acetaminophen-Injection-Market Bromine Feeders Market https://www.dhirtekbusinessresearch.com/market-report/Bromine-Feeders-Market "Contact Us Dhirtek Business Research and Consulting Private Limited Contact No: +91 7580990088 Email Id: sales@dhirtekbusinessresearch.com" "About Us Dhirtek Business Research & Consulting Pvt Ltd is a global market research and consulting services provider headquartered in India. We offer our customers syndicated research reports, customized research reports, and consulting services. Our objective is to enable our clientele to achieve transformational progress and help them to make better strategic business decisions and enhance their global presence. We serve numerous companies worldwide, mobilizing our seasoned workforce to help companies shape their development through proper channeling and execution. We offer our services to large enterprises, start-ups, non-profit organizations, universities, and government agencies. The renowned institutions of various countries and Fortune 500 businesses use our market research services to understand the business environment at the global, regional, and country levels. Our market research reports offer thousands of statistical information and analysis of various industries at a granular level." This release was published on openPR.ORCHARD PARK, N.Y. (AP) — Cornerback Taron Johnson is still agitated over the dud the Buffalo Bills defense produced in giving up season worsts in points and yards, while melting down on third down in a loss to the Los Angeles Rams last weekend. There’s no better time or opportunity to show how much better they are than this Sunday. That’s when the Bills (10-3) travel to play the NFC-leading Detroit Lions (12-1), who just happen to lead the NFL in scoring and feature the same dynamic style of offense as the Rams. “I think our mindset is just going to be attack,” Johnson said after practice Wednesday. “We can’t wait to play Sunday just to prove people wrong and prove to ourselves that how we played wasn’t who we are.” The Bills acknowledge having several excuses to lean on for — riding a little too high after a division-clinching win, a cross-country trip and facing a more driven opponent in the thick of a playoff race. What’s unacceptable is the hesitancy their usually reliable defensive backs showed in coverage and the lack of pressure applied by their defensive front. The bright side is the substandard performance potentially serving as a late-season reminder of this not being the time to let their foot off the gas. “A lot of teams have scars on their way to having a darn good season. And we’re having a darn good season,” coach Sean McDermott said. “So what has to be in front of us this week is the opportunity that’s in front of us, quite frankly, to challenge that team,” he added, referring to Detroit. “You better bring your heart, you better bring your guts, you better put it on the line.” With a little bit of added fire, the Bills are going back to the basics on defense following an outing in which very little went right. The defense was off-balance from the start in being unable to stop the run, before eventually being picked apart in the passing game while allowing the Rams to score on each of their first six drives (not including a kneel-down to close the first half) in building a 38-21 lead. The most frustrating part was Buffalo’s inability to get off the field while allowing the Rams to convert 11 of 15 third-down chances. LA’s 73.3% third-down conversion rate was the third highest against Buffalo — and worst since Miami converted 75% of its chances in 1986 — since the stat was introduced to NFL gamebooks in 1973. “The recipe to lose a football game is what we did (Sunday) and it starts with me, first and foremost,” defensive coordinator Bobby Babich said Monday. “Move on and let it not happen again. Let it be a learning lesson. Failure is the best teacher.” The challenge is preparing for an exceptionally balanced Lions offense that ranks fourth in the NFL in both rushing and passing, and averaging 32.1 points per outing. The objective, McDermott said, is to not overcorrect but stick to the fundamentals that led to Buffalo winning seven straight before losing to Los Angeles. He placed an emphasis on winning at the line of scrimmage and forcing takeaways, something Buffalo failed to do last weekend for the first time this season. A little more urgency, would help, too. “It is a mentality. It is an attitude, and if you want to play good defense, that’s where it starts,” McDermott said. “There’s not a lot of shortcuts or ways around it. It’s got to be a mentality.” The message resonated even on offense, where quarterback while becoming the NFL’s first player to throw three touchdown passes and rush for three more scores. “It was a case of you saw a team that’s fighting for their lives to try to make the playoffs in the Los Angeles Rams, and they came out ready to play. And maybe we didn’t have that type of urgency,” Allen said. “It forces us to know that we’ve got to be better. We know that.” NOTES: LB Baylon Spector (calf) and DE Dawuane Smoot (wrist) returned to practice Wednesday, opening their 21-day windows to be activated off IR. ... Starting CB Rasul Douglas did not practice and could miss time after hurting his knee on Sunday. ... Buffalo has until this weekend to determine whether to activate OL Tylan Grable (groin) off IR. ___ AP NFL:

The 4th Season of St Kaggwa League concluded on a high note on Saturday night at Timeout Leisure Park in Mbalwa with Chwezi FC (Class of 2007-2012) crowned champions. Chwezi dominated the season, accumulating 60 points from 24 matches and finishing 17 points ahead of runners-up Majojo FC. Chwezi’s crowning marked the culmination of months of intense competition during which they demonstrated remarkable teamwork, skill, and strategic acumen and culminated in a well-deserved celebration for players who came together with a shared goal and a deep connection to their alma mater. The strong defensive duo of Louis Kamugisha and Darius Sabawa were instrumental in keeping the team unbeaten throughout the season while dynamic winger Oni Bashir and the league’s most creative player Jotham Danko alongside top scorer Arafat Ngembya made significant contributions to Chwezi’s success. Seasoned players like Brighton Amumpaire, Samuel Muhimba, and Odomaro Natwijuka teamed up well with the likes of Seif Abiola and Moses Asiimwe to make an impact in every match and the on-field chemistry was evident. “I want to recognize the Chwezi players for their outstanding discipline and hard work, both on and off the field. This season has been incredibly challenging and competitive, but the boys’ commitment every single day has led us to victory,” Chwezi FC’s head coach Javira Atusimiire who is also the chief executive of Virat Engineering Ltd, one of the league partners, stated. Meanwhile, during the grand finale, the Fr. Evarist Mukama Inaugural Memorial Tournament was held in honour of the school’s former chaplain. Fr. Mukama passed away in 2018. His commitment to sports, faith, and discipline greatly influenced the St. Kaggwa High School community and this tournament was designed to celebrate his legacy. In an exciting final match, Majojo FC, the league’s runners-up, narrowly defeated the newly introduced Ekyokya FC to win the tournament. Desire Arimpa from Divas CF won the Best Fan of the Season award while Chwezi players Nicholas Nuwasiima and Jotham Danko received the Best Goalkeeper and Most Assists awards respectively. Atusimiire was honoured with the Best Coach award while Ekyokya took home the Fairplay award. The Director of Information and Computer Technology (ICT) for the Uganda Police Force AIGP Felix Baryamwisaki, a former student of St. Kaggwa (1993-1996), who was the chief guest congratulated the winning teams. “I have seen very young and talented boys and I believe it is a way of promoting physical fitness. You have seen diseases like diabetes, blood pressure killing people. So, apart from socializing, there’s that gain of physical fitness. I encourage you to keep up. Next Season, I will be attending regularly as a morale booster,” Baryamwisaki said. He also praised Divas CF, the girls’ team representing Kyeizooba Girls Secondary School, for reinforcing the longstanding relationship with St Kaggwa that has existed for many decades. Kaggwa League president Anoch Kambendyaho who is also the proprietor of Adritex Uganda, another partner of the league, had a vote of thanks to everyone involved in the league. “I want to express my gratitude to all the teams, our sponsors, and everyone who supported us throughout Season 4. Your dedication has made this season perhaps the best we’ve ever experienced. Together with our stakeholders, we are committed to enhancing the league. We are fortunate to have one of the finest alumni leagues in the country, and we will continue to grow,” he stated. Queen of the West, Omega 256, crowned the night with a fun-filled performance of songs such as , and . The Kaggwa League serves as the sports union for all alumni of St. Kaggwa Bushenyi High School.

US indictment accuses two Syrian officials of torture at notorious prisonForrest's 30 lead N.C. A&T past North Carolina Central 85-72Nina Goodwin, 40, wanted a maximum of two kids and never planned to have any in her 40s. Then, her first daughter was born with Down Syndrome. She didn't want her second daughter to be responsible her sister's care. Advertisement This as-told-to essay is based on a conversation with Nina Goodwin. It has been edited for length and clarity. I never initially planned to have a baby in my 40s . Related Video Why one mother fled Texas to keep her child safe In fact, as I already had two kids and had never actually wanted a third, it was never something I thought I'd find myself pining for and trying so hard for — even at risk to my own health. My husband, Will, had wanted a big family . Two was my limit. I remember saying, "I'm the one who's got to carry that child." Everything changed when I gave birth to my first beautiful daughter, Mabel. We were told she has Down Syndrome . I found the shock and grief quite overwhelming. Advertisement I was focused on her Back then, the idea of having three kids was out of the question. All I could think about was how am I even going to parent this one child? The thought of having any more with the risk of them also being neurodivergent was too unbearable to imagine. Related stories Then, I connected with the Down Syndrome community and started processing it. I noticed many Down Syndrome kids had lots of siblings. I learned how they have more support and love the social aspect of being surrounded by people they trust and who love them. I wanted Mabel to grow up with a brother or sister who shared a close bond so she wouldn't feel isolated. So, along came Nancy. Advertisement I liked that she was another girl; it meant she'd be caring toward Mabel. My second child helped me a lot We knew there'd come a time when Nancy's development would overtake her older sister's. That's already happened — Mabel is 7, and Nancy is 5. If I can't get Mabel to do anything, you can guarantee Nancy will do it. She'll dress her. Put her on the toilet. Read to her. Mabel always says, "You be mom, Nancy, you be mom!" But as I saw this unfolding, I had a darker realization. Advertisement If Mabel was already seeing Nancy as a second mom, I saw that play out in the future. I didn't want all the burden of care to fall on Nancy for the rest of her life. What if something happened to me and Will, and she felt duty-bound to be Mabel's carer forever? Or when we naturally go, and all our kids outlive us? I didn't want Nancy to feel shackled. It made me feel guilty. Maybe Nancy will happily be the sibling carer. But maybe she wants to be a free spirit and travel the world, doing all the things young people should have the freedom to do. Yet she feels she has to compromise those dreams to care for her sister as her parents age, become more frail, and then die. Nancy never chose that for herself. I was maybe catastrophizing, but the guilt ate me up. Advertisement And so along came Edith, who's now 4 months old. People didn't understand why I wanted a 3rd It was a traumatic journey to have Edith. At first, some friends didn't understand why I'd have a third when I already found it tough having two kids and a full time banking job. I was determined, though. I had three miscarriages before having Edith. Physically and mentally, my body's really been through it, so I haven't come out of this pregnancy in great mental health. I don't feel seven years older than when I first became a mom; I feel 20 years older. It'll get better; I'm just trying to get used to life as a family of five. Advertisement The upside is that the crushing guilt I felt lifted the minute Edith arrived, and I relaxed a bit. Of course, Edith may also want to be her own person. But now the responsibility of care for Mabel is shared after I'm no longer here or able. Some of the grief about giving birth to a disabled child — which is taboo to discuss — has also been healed as a result. I feel terrible using the words "burden" or "responsibility," especially because Mabel may also develop into a very independent person. As the girls age, my message for them about Mabel will be the same as any mom's message to her kids: look after each other. Advertisement Financially, we've set up a trust for Mabel so she can do what she enjoys. She might want to go to college, or go on holidays, or go to raves. Ultimately, I want all my daughters to do two things in life: fulfill their potential and be happy. Now I have three — against all odds — I really feel I've done all I can to set them up for that.The 10 Biggest Radio Stories of 2024: Layoffs, Downsizing & A Record for Shaboozey

REDWOOD CITY, Calif.--(BUSINESS WIRE)--Dec 9, 2024-- Zuora, Inc. (NYSE: ZUO), a leading monetization suite for modern business, today announced financial results for its fiscal third quarter ended October 31, 2024. Third Quarter Fiscal 2025 Financial Results: Revenue: Subscription revenue was $105.3 million, an increase of 7% year-over-year. Total revenue was $116.9 million, an increase of 6% year-over-year. GAAP Loss from Operations: GAAP loss from operations was $11.7 million, compared to a loss from operations of $8.8 million in the third quarter of fiscal 2024. Non-GAAP Income from Operations: Non-GAAP income from operations was $25.1 million, compared to non-GAAP income from operations of $16.0 million in the third quarter of fiscal 2024. GAAP Net Loss: GAAP net loss was $32.2 million, or 28% of revenue, compared to a net loss of $5.5 million, or 5% of revenue, in the third quarter of fiscal 2024. GAAP net loss per share was $0.21 based on 152.3 million weighted-average shares outstanding, compared to a net loss per share of $0.04 based on 141.5 million weighted-average shares outstanding in the third quarter of fiscal 2024. The GAAP net loss reflects increased costs associated with our proposed acquisition, including a debt redemption liability of $20.2 million as of October 31, 2024 associated with our obligation to repurchase a portion of our 2029 Notes pursuant to our proposed acquisition, and $9.8 million of legal, consulting, and other transaction related costs. Refer below for further information on the proposed acquisition. Non-GAAP Net Income: Non-GAAP net income was $24.8 million, compared to non-GAAP net income of $12.3 million in the third quarter of fiscal 2024. Non-GAAP net income per share was $0.16 based on 152.3 million weighted-average shares outstanding, compared to non-GAAP net income per share of $0.09 based on 141.5 million weighted-average shares outstanding in the third quarter of fiscal 2024. Cash Flow: Net cash provided by operating activities was $22.4 million, compared to net cash used in operating activities of $55.7 million in the third quarter of fiscal 2024. Adjusted Free Cash Flow: Adjusted free cash flow was $25.5 million compared to $12.7 million in the third quarter of fiscal 2024. Cash and Investments: Cash and cash equivalents and short-term investments were $558.5 million as of October 31, 2024. Descriptions of our non-GAAP financial measures are contained in the section titled "Explanation of Non-GAAP Financial Measures" below and reconciliations of GAAP and non-GAAP financial measures are contained in the tables below. Proposed Acquisition; Conference Call and Guidance On October 17, 2024, we announced that Zuora entered into a definitive agreement to be acquired by Silver Lake, the global leader in technology investing, in partnership with an affiliate of GIC Pte. Ltd. (“GIC”). The transaction is valued at $1.7 billion, with Silver Lake and GIC to acquire all outstanding shares of Zuora common stock for $10.00 per share in cash. The acquisition is expected to close in the first calendar quarter of 2024, subject to customary closing conditions and approvals, including the receipt of the required regulatory approvals. Upon completion of the transaction, Zuora will become a privately held company. Given the proposed acquisition of Zuora, we will not be holding a conference call or live webcast to discuss Zuora's third quarter of fiscal 2025 financial results, we will not be providing any forward looking guidance, and we are withdrawing all previously provided goals, outlook, and guidance. Key Operational and Financial Metrics: Customers with annual contract value (ACV) equal to or greater than $250,000 were 451, compared to 453 as of October 31, 2023. Dollar-based retention rate (DBRR) was 103%, compared to 108% as of October 31, 2023. Annual recurring revenue (ARR) was $419.9 million compared to $396.0 million as of October 31, 2023, representing ARR growth of 6%. Explanation of Key Operational and Financial Metrics: Annual Contract Value (ACV) . We define ACV as the subscription revenue we would contractually expect to recognize from a customer over the next twelve months, assuming no increases or reductions in their subscriptions. We define the number of customers at the end of any particular period as the number of parties or organizations that have entered into a distinct subscription contract with us and for which the term has not ended. Each party with whom we have entered into a distinct subscription contract is considered a unique customer, and in some cases, there may be more than one customer within a single organization. Dollar-based Retention Rate (DBRR) . We calculate DBRR as of a period end by starting with the sum of the ACV from all customers as of twelve months prior to such period end, or prior period ACV. We then calculate the sum of the ACV from these same customers as of the current period end, or current period ACV. Current period ACV includes any upsells and also reflects contraction or attrition over the trailing twelve months but excludes revenue from new customers added in the current period. We then divide the current period ACV by the prior period ACV to arrive at our dollar-based retention rate. Annual Recurring Revenue (ARR). ARR represents the annualized recurring value at the time of initial booking or contract modification for all active subscription contracts at the end of a reporting period. ARR excludes the value of non-recurring revenue such as professional services revenue as well as contracts with new customers with a term of less than one year. ARR should be viewed independently of revenue and deferred revenue, and is not intended to be a substitute for, or combined with, any of these items. ARR growth is calculated by dividing the ARR as of a period end by the ARR for the corresponding period end of the prior fiscal year. Explanation of Non-GAAP Financial Measures: In addition to financial measures prepared in accordance with U.S. generally accepted accounting principles (GAAP), this press release and the accompanying tables contain non-GAAP financial measures including: non-GAAP cost of subscription revenue; non-GAAP subscription gross margin; non-GAAP cost of professional services revenue; non-GAAP professional services gross margin; non-GAAP gross profit; non-GAAP gross margin; non-GAAP income from operations; non-GAAP operating margin; non-GAAP net income; non-GAAP net income per share; and adjusted free cash flow. The presentation of these financial measures is not intended to be considered in isolation or as a substitute for, or superior to, financial information prepared and presented in accordance with GAAP. We use non-GAAP financial measures in conjunction with GAAP measures as part of our overall assessment of our performance, including the preparation of our annual operating budget and quarterly forecasts, to evaluate the effectiveness of our business strategies and to communicate with our Board of Directors concerning our financial performance. We believe these non-GAAP measures provide investors consistency and comparability with our past financial performance and facilitate period-to-period comparisons of our operating results. We also believe these non-GAAP measures are useful in evaluating our operating performance compared to that of other companies in our industry, as they generally eliminate the effects of certain items that may vary for different companies for reasons unrelated to overall operating performance. We exclude the following items from one or more of our non-GAAP financial measures: Stock-based compensation expense . We exclude stock-based compensation expense, which is a non-cash expense, because we believe that excluding this item provides meaningful supplemental information regarding operational performance. In particular, stock-based compensation expense is not comparable across companies given it is calculated using a variety of valuation methodologies and subjective assumptions. Amortization of acquired intangible assets . We exclude amortization of acquired intangible assets, which is a non-cash expense, because we do not believe it has a direct correlation to the operation of our business. Charitable contributions. We exclude expenses associated with charitable donations of our common stock. We believe that excluding these non-cash expenses allows investors to make more meaningful comparisons between our operating results and those of other companies. Shareholder matters . We exclude non-recurring charges and benefits, net of insurance recoveries, including litigation expenses, settlements and other legal, consulting and advisory fees, related to shareholder matters that are outside of the ordinary course of our business, including expenses related to a cooperation agreement. We believe these charges and benefits do not have a direct correlation to the operations of our business and may vary in size depending on the timing, results and resolution of such litigation, settlements, agreements or other shareholder matters. Asset impairment . We exclude non-cash charges for impairment of assets, including impairments related to internal-use software, office leases, and acquired intangible assets. Impairment charges can vary significantly in terms of amount and timing and we do not consider these charges indicative of our current or past operating performance. Moreover, we believe that excluding the effects of these charges allows investors to make more meaningful comparisons between our operating results and those of other companies. Change in fair value of debt derivative and warrant liabilities. We exclude fair value adjustments related to the debt derivative and warrant liabilities, which are non-cash gains or losses, as they can fluctuate significantly with changes in Zuora's stock price and market volatility, and do not reflect the underlying cash flows or operational results of the business. Acquisition-related expenses . We exclude acquisition-related expenses (including integration-related charges) that are not related to our ongoing operations. These expenses include gains or losses recognized on contingent consideration related to acquisitions, including costs associated with our proposed acquisition. We do not consider these transaction expenses as reflective of our core business or ongoing operating performance. Workforce reductions . We exclude charges related to workforce reduction plans, including severance, health care and related expenses. We believe these charges are not indicative of our continuing operations. Additionally, we disclose "adjusted free cash flow", which is a non-GAAP measure that includes adjustments to operating cash flows for cash impacts related to Shareholder matters and Acquisition-related expenses described above, and net purchases of property and equipment. We include the impact of net purchases of property and equipment in our adjusted free cash flow calculation because we consider these capital expenditures to be a necessary component of our ongoing operations. We believe this measure is meaningful to investors because management reviews cash flows generated from operations excluding such expenditures that are not related to our ongoing operations. Investors are cautioned that there are material limitations associated with the use of non-GAAP financial measures as an analytical tool. The non-GAAP measures we use may be different from non-GAAP financial measures used by other companies, limiting their usefulness for comparison purposes. We compensate for these limitations by providing specific information regarding the GAAP items excluded from these non-GAAP financial measures. Forward-Looking Statements: This press release contains forward-looking statements that involve a number of risks and uncertainties. Words such as “believes,” “may,” “will,” “determine,” “estimates,” “potential,” “continues,” “anticipates,” “intends,” “expects,” “could,” “would,” “projects,” “plans,” “targets,” “strategy,” “likely,” and variations of such words and similar expressions are intended to identify forward-looking statements. Forward-looking statements in this release include statements regarding the proposed acquisition of Zuora, including the expected timing of the closing of the acquisition, and expectations for Zuora following the completion of the acquisition. Forward-looking statements are based on management's expectations as of the date of this filing and are subject to a number of risks, uncertainties and assumptions, many of which involve factors or circumstances that are beyond our control. Our actual results could differ materially from those stated or implied in forward-looking statements due to a number of factors, including but not limited to, risks detailed in our Form 10-Q filed with the Securities and Exchange Commission on August 29, 2024 as well as other documents that may be filed by us from time to time with the Securities and Exchange Commission, including in our Quarterly Report on Form 10-Q for the quarter ended October 31, 2024. In particular, the following factors, among others, could cause results to differ materially from those expressed or implied by such forward-looking statements: the possibility that the closing conditions to the proposed acquisition are not satisfied (or waived), including the risk that required approvals from Zuora’s stockholders for the proposed acquisition or required regulatory approvals to consummate the acquisition are not obtained in a timely manner (or at all); the outcome of the current complaint and any potential litigation relating to the proposed acquisition; uncertainties as to the timing of the consummation of the proposed acquisition; the ability of each party to consummate the proposed acquisition; our ability to attract new customers and retain and expand sales to existing customers; our ability to manage our future revenue and profitability plans effectively; adoption of monetization platform software and related solutions, as well as consumer adoption of products and services that are provided through such solutions; our ability to develop and release new products and services, or successful enhancements, new features and modifications; challenges related to growing our relationships with strategic partners; loss of key employees; our ability to compete in our markets; adverse impacts on our business and financial condition due to macroeconomic or market conditions; the impact of actions to improve operational efficiencies and operating costs; our history of net losses and ability to achieve or sustain profitability; market acceptance of our products; the success of our product development efforts; risks associated with currency exchange rate fluctuations; risks associated with our debt obligations; successful deployment of our solutions by customers after entering into a subscription agreement with us; the success of our sales and product initiatives; our security measures; our ability to adequately protect our intellectual property; interruptions or performance problems; litigation and other shareholder related costs; the anticipated benefits of acquisitions and ability to integrate operations and technology of any acquired company; geopolitical conflicts or destabilizing events; other business effects, including those related to industry, market, economic, political, regulatory and global health conditions and other risks and uncertainties. The forward-looking statements included in this press release represent our views as of the date of this press release. We anticipate that subsequent events and developments will cause our views to change. We undertake no intention or obligation to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise. These forward-looking statements should not be relied upon as representing our views as of any date subsequent to the date of this press release. Important Information and Where to Find It In connection with the proposed acquisition, Zuora has filed with the Securities and Exchange Commission (the “SEC”) a proxy statement in preliminary form on November 25, 2024, a definitive version of which will be mailed or otherwise provided to its stockholders. The Company and affiliates of the Company have jointly filed a transaction statement on Schedule 13E-3 (the Schedule 13E-3). Zuora may also file other documents with the SEC regarding the potential transaction. BEFORE MAKING ANY VOTING DECISION, ZUORA’S STOCKHOLDERS ARE URGED TO CAREFULLY READ THE PROXY STATEMENT AND THE SCHEDULE 13E-3 IN THEIR ENTIRETY AND ANY OTHER DOCUMENTS FILED WITH THE SEC AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS THERETO IN CONNECTION WITH THE PROPOSED TRANSACTION OR INCORPORATED BY REFERENCE THEREIN BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION ABOUT THE PROPOSED TRANSACTION AND THE PARTIES TO THE PROPOSED TRANSACTION AND RELATED MATTERS. Investors and security holders may obtain free copies of the proxy statement, the Schedule 13E-3 and other documents that Zuora files with the SEC from the SEC’s website at www.sec.gov and Zuora’s website at investor.zuora.com . In addition, the proxy statement, the Schedule 13E-3 and other documents filed by Zuora with the SEC (when available) may be obtained from Zuora free of charge by directing a request to Zuora’s Investor Relations at investorrelations@zuora.com . Participants in the Solicitation Zuora and certain of its directors, executive officers and employees may be deemed to be participants in the solicitation of proxies from Zuora’s stockholders in connection with the proposed transaction. Information regarding the persons who may, under the rules of the SEC, be deemed to be participants in the solicitation of the stockholders of Zuora in connection with the proposed transaction, including a description of their respective direct or indirect interests, by security holdings or otherwise will be set forth in the proxy statement and Schedule 13E-3 and other materials to be filed with the SEC. You may also find additional information about Zuora’s directors and executive officers in Zuora’s proxy statement for its 2024 Annual Meeting of Stockholders, which was filed with the SEC on May 16, 2024 (the “Annual Meeting Proxy Statement”). To the extent holdings of securities by potential participants (or the identity of such participants) have changed since the information printed in the Annual Meeting Proxy Statement, such information has been or will be reflected in Zuora’s Statements of Change in Ownership on Forms 3 and 4 filed with the SEC. You can obtain free copies of these documents from Zuora using the contact information above. About Zuora, Inc. Zuora provides a leading monetization suite to build, run and grow a modern business through a dynamic mix of usage-based models, subscription bundles and everything in between. From pricing and packaging, to billing, payments and revenue accounting, Zuora’s flexible, modular software platform is designed to help companies evolve monetization strategies with customer demand. More than 1,000 customers around the world, including BMC Software, Box, Caterpillar, General Motors, The New York Times, Schneider Electric and Zoom use Zuora’s leading combination of technology and expertise to turn recurring relationships and recurring revenue into recurring growth. Zuora is headquartered in Silicon Valley with offices in the Americas, EMEA and APAC. To learn more, please visit zuora.com . © 2024 Zuora, Inc. All Rights Reserved. Zuora, Subscribed, Subscription Economy, Powering the Subscription Economy, Subscription Economy Index, Zephr, and Subscription Experience Platform are trademarks or registered trademarks of Zuora, Inc. Third party trademarks mentioned above are owned by their respective companies. Nothing in this press release should be construed to the contrary, or as an approval, endorsement or sponsorship by any third parties of Zuora, Inc. or any aspect of this press release. SOURCE: ZUORA, INC. ZUORA, INC. CONDENSED CONSOLIDATED STATEMENTS OF COMPREHENSIVE LOSS (in thousands, except per share data) (unaudited) Three Months Ended October 31, Nine Months Ended October 31, 2024 2023 2024 2023 Revenue: Subscription $ 105,253 $ 98,048 $ 308,263 $ 283,232 Professional services 11,676 11,801 33,831 37,760 Total revenue 116,929 109,849 342,094 320,992 Cost of revenue: Subscription 1 23,954 20,378 67,207 62,304 Professional services 1 14,383 14,650 43,483 47,851 Total cost of revenue 38,337 35,028 110,690 110,155 Gross profit 78,592 74,821 231,404 210,837 Operating expenses: Research and development 1 26,833 27,504 76,853 79,428 Sales and marketing 1 36,597 40,245 108,579 124,488 General and administrative 1 26,880 15,893 71,351 54,160 Total operating expenses 90,310 83,642 256,783 258,076 Loss from operations (11,718 ) (8,821 ) (25,379 ) (47,239 ) Change in fair value of debt derivative and warrant liabilities (20,174 ) 6,997 (29,115 ) 2,241 Interest expense (7,045 ) (5,610 ) (20,781 ) (14,604 ) Interest and other income (expense), net 6,505 2,272 19,988 13,639 Loss before income taxes (32,432 ) (5,162 ) (55,287 ) (45,963 ) Income tax (benefit) provision (226 ) 340 (2,152 ) 1,396 Net loss (32,206 ) (5,502 ) (53,135 ) (47,359 ) Comprehensive loss: Foreign currency translation adjustment 462 (696 ) 386 (1,383 ) Unrealized gain (loss) on available-for-sale securities 248 (18 ) 63 494 Comprehensive loss $ (31,496 ) $ (6,216 ) $ (52,686 ) $ (48,248 ) Net loss per share, basic and diluted $ (0.21 ) $ (0.04 ) $ (0.36 ) $ (0.34 ) Weighted-average shares outstanding used in calculating net loss per share, basic and diluted 152,263 141,488 149,457 138,789 (1) Stock-based compensation expense was recorded in the following cost and expense categories: Three Months Ended October 31, Nine Months Ended October 31, 2024 2023 2024 2023 Cost of subscription revenue $ 2,331 $ 2,350 $ 6,291 $ 6,889 Cost of professional services revenue 2,598 2,747 7,359 8,997 Research and development 7,697 7,165 21,680 20,661 Sales and marketing 7,613 8,191 20,609 24,857 General and administrative 4,694 5,648 13,163 16,569 Total stock-based compensation expense $ 24,933 $ 26,101 $ 69,102 $ 77,973 ZUORA, INC. CONDENSED CONSOLIDATED BALANCE SHEETS (in thousands) (unaudited) October 31, 2024 January 31, 2024 Assets Current assets: Cash and cash equivalents $ 277,615 $ 256,065 Short-term investments 280,909 258,120 Accounts receivable, net 82,414 124,602 Deferred commissions, current portion 15,995 15,870 Prepaid expenses and other current assets 25,183 23,261 Total current assets 682,116 677,918 Property and equipment, net 27,403 25,961 Operating lease right-of-use assets 20,591 22,462 Purchased intangibles, net 23,146 10,082 Deferred commissions, net of current portion 24,941 27,250 Goodwill 73,903 56,657 Other assets 4,972 3,506 Total assets $ 857,072 $ 823,836 Liabilities and stockholders’ equity Current liabilities: Accounts payable $ 761 $ 3,161 Accrued expenses and other current liabilities 45,167 32,157 Accrued employee liabilities 29,860 37,722 Deferred revenue, current portion 177,436 199,615 Operating lease liabilities, current portion 7,030 6,760 Total current liabilities 260,254 279,415 Long-term debt 368,348 359,525 Deferred revenue, net of current portion 860 2,802 Operating lease liabilities, net of current portion 32,573 37,100 Deferred tax liabilities 4,066 3,725 Other long-term liabilities 6,781 7,582 Total liabilities 672,882 690,149 Stockholders’ equity: Class A common stock 15 14 Class B common stock 1 1 Additional paid-in capital 1,067,329 964,141 Accumulated other comprehensive loss (410 ) (859 ) Accumulated deficit (882,745 ) (829,610 ) Total stockholders’ equity 184,190 133,687 Total liabilities and stockholders’ equity $ 857,072 $ 823,836 ZUORA, INC. CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS (in thousands) (unaudited) Nine Months Ended October 31, 2024 2023 Cash flows from operating activities: Net loss $ (53,135 ) $ (47,359 ) Adjustments to reconcile net loss to net cash provided by (used in) operating activities: Depreciation, amortization and accretion 14,715 13,684 Stock-based compensation 69,102 77,973 Provision for credit losses 2,117 457 Amortization of deferred commissions 13,946 14,415 Reduction in carrying amount of right-of-use assets 3,470 4,876 Change in fair value of debt derivative and warrant liabilities 29,115 (2,241 ) Other (2,418 ) 2,630 Changes in operating assets and liabilities: Accounts receivable 40,149 12,476 Prepaid expenses and other assets (2,657 ) 878 Deferred commissions (12,107 ) (12,013 ) Accounts payable (2,529 ) (634 ) Accrued expenses and other liabilities 6,843 (82,904 ) Accrued employee liabilities (7,986 ) 509 Deferred revenue (24,439 ) (7,461 ) Operating lease liabilities (7,476 ) (10,962 ) Net cash provided by (used in) operating activities 66,710 (35,676 ) Cash flows from investing activities: Purchases of property and equipment (9,252 ) (6,913 ) Purchases of short-term investments (240,093 ) (66,665 ) Maturities of short-term investments 222,279 175,128 Cash paid for acquisition, net of cash acquired (24,786 ) (4,524 ) Net cash (used in) provided by investing activities (51,852 ) 97,026 Cash flows from financing activities: Proceeds from issuance of common stock upon exercise of stock options 3,372 1,000 Proceeds from issuance of common stock under employee stock purchase plan 4,481 4,765 Payment for taxes related to net share settlement of stock options (1,547 ) — Proceeds from issuance of convertible senior notes, net of issuance costs — 145,861 Net cash provided by financing activities 6,306 151,626 Effect of exchange rates on cash and cash equivalents 386 (1,383 ) Net increase in cash and cash equivalents 21,550 211,593 Cash and cash equivalents, beginning of period 256,065 203,239 Cash and cash equivalents, end of period $ 277,615 $ 414,832 ZUORA, INC. RECONCILIATION OF SELECTED GAAP MEASURES TO NON-GAAP MEASURES (in thousands, except percentages) (unaudited) Subscription Gross Margin Three Months Ended October 31, Nine Months Ended October 31, 2024 2023 2024 2023 Reconciliation of cost of subscription revenue: GAAP cost of subscription revenue $ 23,954 $ 20,378 $ 67,207 $ 62,304 Less: Stock-based compensation (2,331 ) (2,350 ) (6,291 ) (6,889 ) Amortization of acquired intangibles (1,164 ) (607 ) (2,706 ) (2,083 ) Workforce reductions (228 ) — (796 ) (38 ) Acquisition-related expenses (12 ) — (103 ) — Asset impairment — (439 ) — (439 ) Shareholder matters — — (20 ) — Non-GAAP cost of subscription revenue $ 20,219 $ 16,982 $ 57,291 $ 52,855 GAAP subscription gross margin 77 % 79 % 78 % 78 % Non-GAAP subscription gross margin 81 % 83 % 81 % 81 % Professional Services Gross Margin Three Months Ended October 31, Nine Months Ended October 31, 2024 2023 2024 2023 Reconciliation of cost of professional services revenue: GAAP cost of professional services revenue $ 14,383 $ 14,650 $ 43,483 $ 47,851 Less: Stock-based compensation (2,598 ) (2,747 ) (7,359 ) (8,997 ) Acquisition-related expenses (22 ) — (22 ) — Shareholder matters — — (28 ) — Workforce reductions — — (5 ) (46 ) Non-GAAP cost of professional services revenue $ 11,763 $ 11,903 $ 36,069 $ 38,808 GAAP professional services gross margin (23 )% (24 )% (29 )% (27 )% Non-GAAP professional services gross margin (1 )% (1 )% (7 )% (3 )% ZUORA, INC. RECONCILIATION OF SELECTED GAAP MEASURES TO NON-GAAP MEASURES (CONTINUED) (in thousands, except percentages) (unaudited) Total Gross Margin Three Months Ended October 31, Nine Months Ended October 31, 2024 2023 2024 2023 Reconciliation of gross profit: GAAP gross profit $ 78,592 $ 74,821 $ 231,404 $ 210,837 Add: Stock-based compensation 4,929 5,097 13,650 15,886 Amortization of acquired intangibles 1,164 607 2,706 2,083 Workforce reductions 228 — 801 84 Acquisition-related expenses 34 — 125 — Asset impairment — 439 — 439 Shareholder matters — — 48 — Non-GAAP gross profit $ 84,947 $ 80,964 $ 248,734 $ 229,329 GAAP gross margin 67 % 68 % 68 % 66 % Non-GAAP gross margin 73 % 74 % 73 % 71 % Operating (Loss) Income and Operating Margin Three Months Ended October 31, Nine Months Ended October 31, 2024 2023 2024 2023 Reconciliation of (loss) income from operations: GAAP loss from operations $ (11,718 ) $ (8,821 ) $ (25,379 ) $ (47,239 ) Add: Stock-based compensation 24,933 26,101 69,102 77,973 Acquisition-related expenses 10,299 19 17,100 211 Amortization of acquired intangibles 1,164 607 2,706 2,083 Workforce reductions 241 — 1,518 265 Shareholder matters 181 (3,508 ) 4,240 (3,265 ) Asset impairment — 1,592 — 1,592 Non-GAAP income from operations $ 25,100 $ 15,990 $ 69,287 $ 31,620 GAAP operating margin (10 )% (8 )% (7 )% (15 )% Non-GAAP operating margin 21 % 15 % 20 % 10 % ZUORA, INC. RECONCILIATION OF SELECTED GAAP MEASURES TO NON-GAAP MEASURES (CONTINUED) (in thousands, except per share data) (unaudited) Net (Loss) Income and Net (Loss) Income Per Share Three Months Ended October 31, Nine Months Ended October 31, 2024 2023 2024 2023 Reconciliation of net (loss) income: GAAP net loss $ (32,206 ) $ (5,502 ) $ (53,135 ) $ (47,359 ) Add: Stock-based compensation 24,933 26,101 69,102 77,973 Change in fair value of debt derivative and warrant liabilities 20,174 (6,997 ) 29,115 (2,241 ) Acquisition-related expenses 10,299 19 17,100 211 Amortization of acquired intangibles 1,164 607 2,706 2,083 Workforce reductions 241 — 1,518 265 Shareholder matters 181 (3,508 ) 4,240 (3,265 ) Asset impairment — 1,592 — 1,592 Non-GAAP net income $ 24,786 $ 12,312 $ 70,646 $ 29,259 GAAP net loss per share, basic and diluted 1 $ (0.21 ) $ (0.04 ) $ (0.36 ) $ (0.34 ) Non-GAAP net income per share, basic and diluted 1 $ 0.16 $ 0.09 $ 0.47 $ 0.21 (1) For the three months ended October 31, 2024 and 2023, GAAP and Non-GAAP net (loss) income per share are calculated based upon 152.3 million and 141.5 million basic and diluted weighted-average shares of common stock, respectively. For the nine months ended October 31, 2024 and 2023, GAAP and Non-GAAP net (loss) income per share are calculated based upon 149.5 million and 138.8 million basic and diluted weighted-average shares of common stock, respectively. Adjusted Free Cash Flow Three Months Ended October 31, Nine Months Ended October 31, 2024 2023 2024 2023 Reconciliation of adjusted free cash flow: Net cash provided by (used in) operating activities (GAAP) $ 22,408 $ (55,657 ) $ 66,710 $ (35,676 ) Add: Acquisition-related expenses 5,587 28 7,300 135 Shareholder matters 824 71,377 4,379 72,130 Less: Purchases of property and equipment (3,330 ) (3,075 ) (9,252 ) (6,913 ) Adjusted free cash flow (non-GAAP) $ 25,489 $ 12,673 $ 69,137 $ 29,676 Net cash provided by (used in) investing activities (GAAP) $ 18,999 $ 2,005 $ (51,852 ) $ 97,026 Net cash (used in) provided by financing activities (GAAP) $ (1,295 ) $ 145,899 $ 6,306 $ 151,626 View source version on businesswire.com : https://www.businesswire.com/news/home/20241209614914/en/ CONTACT: Investor Relations Contact: Luana Wolk investorrelations@zuora.com 650-419-1377Media Relations Contact: Margaret Juhnke press@zuora.com 619-609-3919 KEYWORD: CALIFORNIA UNITED STATES NORTH AMERICA INDUSTRY KEYWORD: SOFTWARE PAYMENTS ACCOUNTING PROFESSIONAL SERVICES TECHNOLOGY ELECTRONIC COMMERCE FINTECH OTHER TECHNOLOGY SOURCE: Zuora, Inc. Copyright Business Wire 2024. PUB: 12/09/2024 04:10 PM/DISC: 12/09/2024 04:08 PM http://www.businesswire.com/news/home/20241209614914/enCGI expands operations in multiple U.S. metro markets with Daugherty

NoneWASHINGTON — The House on Wednesday passed a $895 billion measure that authorizes a 1% increase in defense spending this fiscal year and would give a double-digit pay raise to about half of the enlisted service members in the military. The bill is traditionally strongly bipartisan, but some Democratic lawmakers opposed the inclusion of a ban on transgender medical treatments for children of military members if such treatment could result in sterilization. It passed by a vote of 281-140 and next moves to the Senate, where lawmakers sought a bigger boost in defense spending than the current measure allows. The Pentagon and the surrounding area is seen Jan. 26, 2020, from the air in Washington. Pablo Martinez Monsivais, Associated Press Lawmakers are touting the bill's 14.5% pay raise for junior enlisted service members and a 4.5% increase for others as key to improving the quality of life for those serving in the U.S. military. Those serving as junior enlisted personnel are in pay grades that generally track with their first enlistment term. People are also reading... Lawmakers said service member pay failed to remain competitive with the private sector, forcing many military families to rely on food banks and government assistance programs to put food on the table. The bill also provides significant new resources for child care and housing. "No service member should have to live in squalid conditions and no military family should have to rely on food stamps to feed their children, but that's exactly what many of our service members are experiencing, especially the junior enlisted," said Rep. Mike Rogers, R-Ala., chairman of the House Armed Services Committee. "This bill goes a long way to fixing that." The bill sets key Pentagon policy that lawmakers will attempt to fund through a follow-up appropriations bill. The overall spending tracks the numbers established in a 2023 agreement that then-Speaker Kevin McCarthy, R-Calif., reached with President Joe Biden to increase the nation's borrowing authority and avoid a federal default in exchange for spending restraints. Many senators had wanted to increase defense spending some $25 billion above what was called for in that agreement, but those efforts failed. Sen. Roger Wicker, R-Miss., who is expected to serve as the next chairman of the Senate Armed Services Committee, said the overall spending level was a "tremendous loss for our national defense," though he agreed with many provisions within the bill. "We need to make a generational investment to deter the Axis of Aggressors. I will not cease work with my congressional colleagues, the Trump administration, and others until we achieve it," Wicker said. Sen. Roger Wicker, R-Miss., speaks with reporters Nov. 21 on Capitol Hill in Washington. Mark Schiefelbein, Associated Press House Republicans don't want to go above the McCarthy-Biden agreement for defense spending and are looking to go way below it for many non-defense programs. They are also focused on cultural issues. The bill prohibits funding for teaching critical race theory in the military and prohibits TRICARE health plans from covering gender dysphoria treatment for children under 18 if that treatment could result in sterilization. Rep. Adam Smith of Washington state, the ranking Democratic member of the House Armed Services Committee, said minors dealing with gender dysphoria is a "very real problem." He said the treatments available, including puberty blockers and hormone therapy, have proven effective at helping young people dealing with suicidal thoughts, anxiety and depression. Listen now and subscribe: Apple Podcasts | Spotify | RSS Feed | SoundStack | All Of Our Podcasts "These treatments changed their lives and in many cases saved their lives," Smith said. "And in this bill, we decided we're going to bar service members' children from having access to that." Smith said the number of minors in service member families receiving transgender medical care extends into the thousands. He could have supported a study asking medical experts to determine whether such treatments are too often used, but a ban on health insurance coverage went too far. He said Speaker Mike Johnson's office insisted on the ban and said the provision "taints an otherwise excellent piece of legislation." Rep. Chip Roy, R-Texas, called the ban a step in the right direction, saying, "I think these questions need to be pulled out of the debate of defense, so we can get back to the business of defending the United States of America without having to deal with social engineering debates." Smith said he agrees with Roy that lawmakers should be focused on the military and not on cultural conflicts, "and yet, here it is in this bill." Branden Marty, a Navy veteran who served for 13 years, said the loss of health coverage for transgender medical treatments could prompt some with valuable experience to leave the military, affecting national security because "we already struggle from a recruiting and retention standpoint." He also said the bill could regularly force service members into difficult choices financially. "It will be tough for a lot of them because of out-of-pocket expenses, especially enlisted members who we know already struggle with food insecurity," said Marty, the father of a transgender teenager. "They don't get paid very much, so they're going to be making a lot of choices on a day-to-day, tactical level." House Minority Leader Hakeem Jeffries, D-N.Y., responds to reporters Dec. 6 during his weekly news conference at the Capitol in Washington. J. Scott Applewhite, Associated Press Rep. Hakeem Jeffries, the House Democratic leader, said his team did not tell Democrats how to vote on the bill. "There's a lot of positive things in the National Defense Authorization Act that were negotiated in a bipartisan way, and there are some troubling provisions in a few areas as well," Jeffries said. Overall, 81 Democrats voted for the bill and 124 against it. On the Republican side, 200 voted for the bill and 16 against it. "It's disappointing to see 124 of my Democrat colleagues vote against our brave men and women in uniform over policies that have nothing to do with their intended mission," Johnson, R-La., said. The defense policy bill also looks to strengthen deterrence against China. It calls for investing $15.6 billion to build military capabilities in the Indo-Pacific region. The Biden administration requested about $10 billion. On Israel, the bill, among other things, includes an expansion of U.S. joint military exercises with Israel and a prohibition on the Pentagon citing casualty data from Hamas. The defense policy bill is one of the final measures that lawmakers view as a must-pass before making way for a new Congress in January. U.S. Troops Face Mounting Threats from Predatory Debt Collectors U.S. Troops Face Mounting Threats from Predatory Debt Collectors Rising threats from debt collectors against members of the U.S. armed forces are undermining national security, according to data from the Consumer Financial Protection Bureau (CFPB), a federal watchdog that protects consumer rights.To manage the impact of financial stress on individual performance, the Defense Department dedicates precious resources to improving financial literacy, so service members know the dangers of notorious no-credit-check loans.“The financial well-being of service members and their families is one of the Department’s top priorities,” said Andrew Cohen, the director of financial readiness in the Office of the Deputy Assistant Secretary of Defense at the Pentagon.But debt collectors are gaining ground. Last quarter, debt collection complaints by U.S. military service members increased 24%, and attempts to collect on “debts not owed” surged 40%. Complaints by service members against debt collectors for deceptive practices ballooned from 1,360 in the fourth quarter of 2023 to 1,833 in the first quarter of 2024.“There’s a connection between the financial readiness and the readiness of a service member to perform their duty,” said Jim Rice, Assistant Director, Office of Servicemember Affairs at the Consumer Financial Protection Bureau. Laws exist to protect the mission readiness of U.S. troops from being compromised by threats and intimidation, but debt collectors appear to be violating them at an alarming pace.“If they’re threatening to call your commander or get your security clearance revoked, that’s illegal,” says Deborah Olvera, financial readiness manager at Wounded Warriors Project, and a military spouse who’s been harassed herself by a collection agency that tried to extort money from her for a debt she didn’t owe. But after she requested the name of the original creditor, she never heard from them again.“The financial well-being of service members and their families is one of the Department’s top priorities.” —Andrew Cohen, Director of Financial Readiness at the PentagonUnder the Fair Debt Collection Practices Act, it’s illegal for debt collectors to threaten to contact your boss or have you arrested because it violates your financial privacy. The FDCPA also prohibits debt collectors from making false, deceptive, or misleading representations in connection with the collection of a debt, even for borrowers with bad credit scores.But according to the data, debt collectors are increasingly ignoring those rules. “Debt collection continues to be one of the top consumer complaint categories,” said a spokesperson at the Federal Trade Commission. The commission released a report earlier this year revealing that consumers were scammed $10 billion in 2023, a new benchmark for fraud losses.In his book Debt: The First 5,000 Years, David Graeber argues that debt often creates a relationship that can feel more oppressive than systems of hierarchy, like slavery or caste systems because it starts by presuming equality between the debtor and the creditor.When the debtor falls into arrears, that equality is then destroyed. This sense of betrayal and the subsequent imbalance of power leads to widespread resentment toward lenders. Jon Bilous Most Menacing Loan Messengers Photo Credit: Olena Yakobchuk / ShutterstockThe debt collector reportedly harassing military service members most was Resurgent Capital Services, a subsidiary of collection giant Sherman Financial Group. The company tacks on accrued interest and junk fees and tries to collect on debts purchased for pennies on the dollar from cable companies, hospitals, and credit card companies, among others.Sherman Financial Group is run by billionaire Benjamin Navarro, who has a reported net worth of $1.5 billion, according to Forbes. Sherman Financial also owns subprime lender Credit One Bank and LVNV Funding, which outsource collections to Resurgent Capital.According to CFPB data, the second worst offender is CL Holdings, the parent company of debt-buyer Jefferson Capital Systems. The company has also been named in numerous complaints to the Better Business Bureau for alleged violations of the FDCPA, such as failing to properly validate debts or update credit reports with accurate information.Under the leadership of CEO David Burton, Jefferson Capital Systems is a wholly-owned subsidiary of CompuCredit Corporation, which markets subprime credit cards under the names Aspire, Majestic, and others.The third most referenced debt collector is publicly traded Portfolio Recovery Associates [NASDAQ: PRAA], which was forced to pay $27 million in penalties for making false representations about debts, initiating lawsuits without proper documentation, and other violations. Portfolio Recovery Associates is run by CEO Vikram Atal.Fourth place for alleged worst offender goes to Encore Capital Group [NASDAQ ECPG], which was required to pay $42 million in consumer refunds and a $10 million penalty for violating the Fair Debt Collection Practices Act. Encore collects under its subsidiary Midland Credit Management Group.These debt collectors all operate under a veritable shell game of company and brand names, almost none of which are disclosed on their websites, sending consumers on a wild goose chase to try and figure out how they’re related to each other. But despite their attempts to hide their tracks behind a smoke screen of subsidiaries, a leopard can’t change its spots, and the CFPB complaint database makes it harder for them to try. Olena Yakobchuk Loan Harassment Hotspots Photo Credit: Bumble Dee / ShutterstockAlthough widely considered a consumer-friendly state, complaints spiked most in California, which saw a 188% increase in complaints filed from the fourth quarter of 2023 to the first quarter of 2024. California is home to 157,367 military personnel, making it the most populous state for active-duty service members.The second-largest increase in debt collection complaints was in Texas, which saw a 66% jump from the fourth quarter of 2023 to the first quarter of 2024. The U.S. Department of Defense reports 111,005 service members stationed in the Lone Star State, which is the third-most populous state for active-duty military.The rising trends do not correlate to the number of military personnel by state. Complaints against debt collectors in Virginia, the second most populous state with 126,145 active duty personnel, decreased by 29% in the same quarter-over-quarter period. And complaints filed quarter-over-quarter in North Carolina, the fifth most populous state with 91,077 military personnel, decreased by 3% in the same period.The third largest percentage increase in debt collection complaints was from service members stationed in Maryland, where alleged harassment reports jumped 112% from the fourth quarter of 2023 to the first quarter of 2024. Maryland ranks number 12 with just 28,059 active duty service members.Fourth place goes to Ohio – the 28th most populous active-duty state – where complaints doubled, followed by Arizona – the 15th most populous military state – where complaints were up 70% in the same quarter-over-quarter period. Bumble Dee Billionaire Bets on Bad Credit Photo Credit: PeopleImages.com - Yuri A / ShutterstockIn 2007, Congress passed the Military Lending Act to cap the cost of credit to a 36% annual percentage rate, inclusive of junk fees and late charges, for active duty military service members. That rate is still considerably higher than average credit card rates, which range from 8% for borrowers with excellent credit scores to as high as 36% for borrowers with bad credit. But lenders still get hauled into court for violating the MLA.Don Hankey, the billionaire subprime auto lender who funded Donald Trump’s $175 million appeal bond, is among those violators. His company, Westlake Financial, which markets high-interest car loans for bad credit, has been sued twice by the Department of Justice for harassing military service members.In 2017, the DoJ alleged Hankey’s Westlake Financial illegally repossessed at least 70 vehicles owned by military service members. Westlake Financial paid $700,000 to settle the charges. In 2022, Westlake Financial paid $250,000 for allegedly cheating U.S. troops out of interest rates they were legally entitled to.Westlake Financial continues to receive complaints from military service members alleging abusive debt collection practices on its no-credit-check loans. A steady year-over-year increase in the number of complaints filed against Westlake Financial continued from 2020 to 2023. Consumer Financial Protection Bureau data shows a 13% increase in the number of complaints against the company from 2020 to 2021, a 28% increase from 2021 to 2022, and a torrential 119% surge from 2022 to 2023. The numbers suggest systemic complaint-handling processes and inadequate customer service resources. PeopleImages.com - Yuri A Lenders Try to Shutter CFPB Photo Credit: Cynthia Shirk / ShutterstockOn May 16, 2024, a deceptively named predatory lending industry front group dubbed the Community Financial Services Association of America (CFSA) lost a legal attempt to defund the Consumer Financial Protection Bureau.In an effort to deprive Americans of essential consumer protections, the lobby group argued that the Consumer Financial Protection Bureau’s funding structure was unconstitutional. But the Supreme Court denied its claim. In a 7-2 ruling, the Court held that the Consumer Financial Protection Bureau’s funding structure is indeed constitutional.That means the Consumer Financial Protection Bureau cannot be defunded, but it does not mean the agency cannot be defanged. The New York Times suggested that Hankey’s incentive to finance Trump’s $175 million bond could have been a reciprocity pledge to neuter the Consumer Financial Protection Bureau if Trump wins the upcoming U.S. presidential election.If Trump wins a second term, he could replace Consumer Financial Protection Bureau director Rohit Chopra, an American consumer advocate, with a predatory lending advocate.In 2020, the Trump Administration secured a Supreme Court ruling that made it easier for the president to fire the head of the Consumer Financial Protection Bureau. The ruling struck down previous restrictions on when a president can fire the bureau’s director. Like other federal agencies, the Consumer Financial Protection Bureau has also been confronted for overstepping its bounds, pushing too far, and acting unfairly against entities it regulates. Cynthia Shirk Holidays, Interest Rates Not to Blame Photo Credit: Lux Blue / ShutterstockSeasonality and rising interest rates do not explain the increase in debt collection complaints from service members. The surge in complaints is not tied to predictable seasonal fluctuations or changes in interest rates.The increase in debt collection complaints by service members may point to underlying systemic issues, such as aggressive and predatory debt collection practices that exploit the unique financial vulnerabilities of service members, who face frequent relocations and deployments.Debt Complaints by Service MembersFrom Q1 2021 to Q4 2022 Up 4%From Q4 2022 to Q1 2023 Up 6%From Q4 2023 to Q1 2024 Up 24%The 24% spike in debt collection complaints exhibits no correlation to fluctuations in interest rates.30-Year Fixed Mortgage RatesFrom 3.08% in Q4 2021 to 3.82% in Q1 2022From 6.66% in Q4 2022 to 6.37% in Q1 2023From 7.30% in Q1 2023 to 6.75% in Q4 2024Pandemic stimulus checks were also not a factor. COVID-19 relief benefit checks went through three major rounds during the pandemic. The final round of Economic Impact Payments went out in March 2021.To better understand the rising trend of debt collection complaints, we calculated the increase in the total number of complaints and the percentage increase quarter-over-quarter. For example, New Jersey has the second largest percentage increase in complaints quarter-over-quarter, but the total number of complaints increased by just 16. Shutterstock Methodology The data for this study was sourced from the Consumer Financial Protection Bureau (CFPB) complaint database. The dataset specifically targeted complaints filed by U.S. military service members, identified using the tag “Servicemember” within Q4 2023 and Q1 2024.Readers can find the detailed research methodology underlying this news story in the accompanying section here.For complete results, see U.S. Troops Face Mounting Threats from Predatory Debt Collectors on BadCredit.org. Jon Bilous Veteran homelessness is on the rise despite government efforts—here's how it happens Veteran homelessness is on the rise despite government efforts—here's how it happens Homelessness reached record levels in 2023, as rents and home prices continued to rise in most of the U.S. One group was particularly impacted: people who have served in the U.S. military."This time last year, we knew the nation was facing a deadly public health crisis," Jeff Olivet, executive director of the U.S. Interagency Council on Homelessness, said in a statement about the 2023 numbers. He said the latest homelessness estimates from the Department of Housing and Urban Development "confirms the depth of the crisis."At least 35,000 veterans were experiencing homelessness in 2023, according to HUD. While that's about half of what it was in 2009—when the organization began collecting data—things have plateaued in recent years despite active efforts to get that number to zero.Although they make up just 6.6% of the total homeless population, veterans are more likely to be at risk of homelessness than Americans overall. Of every 10,000 Americans, 20 were experiencing homelessness. Of veterans living in the United States, that number jumps to 22, HUD data shows.Complicated by bureaucracy, family dynamics, and prejudice, the path from serving in the military to homelessness is a long one. According to a 2022 study by Yale School of Medicine researchers, homelessness typically occurs within four years of leaving the military, as veterans must contend with the harsh reality of finding a job in a world where employers struggle to see how skills on the battlefield transfer to a corporate environment.These days, veterans also deal with historically high rent and home prices, which causes many to rely on family generosity while figuring out a game plan.Stacker examined academic studies, analyzed government data, and spoke with members of the Biden administration, experts, and former members of the armed forces to see the struggles members of the military face when leaving the armed forces. Photo illustration by Michael Flocker // Stacker // Canva Veterans struggle to find a path forward The Department of Veterans Affairs offers transition assistance to the roughly 250,000 service members who leave each year. However, those programs can be burdensome and complex to navigate, especially for those who don't have a plan for post-military life.Only a small portion of veterans have jobs lined up when they leave, according to 2019 Pew Research. Many also choose to live with relatives until they get on their feet, which can be longer than anticipated. Some former service members are unsure what kind of career they'd like to pursue and may have to get further education or training, Carl Castro, director of the Military and Veteran Programs at the Suzanne Dworak-Peck School of Social Work at the University of Southern California, told Stacker."It takes years for that kind of transition," Castro said.Many have trouble finding a job after leaving the service, even if they are qualified. Some employers carry misconceptions about those who have served. A 2020 analysis from the journal Human Resource Management Review found that some veterans face hiring discrimination due to negative stereotypes that lead hiring managers to write them off as a poor culture fit.Underemployment, or working low-wage jobs below their skill level, is also an issue. While the unemployment rate for veterans was 3% in March 2024, a study released by Penn State at the end of 2023 found three years after leaving the service, 61% of veterans said they were underemployed because of perceived skill mismatches.This phenomenon can have long-term economic effects, and eventually, that frustration can boil over, strain relationships, and potentially lead to housing instability.Working, especially a low-wage job, is not protection against homelessness. A 2021 study from the University of Chicago found half of people living in homeless shelters and 2 in 5 unsheltered people were employed, full or part-time. Stacker Vets with mental health issues most at risk for homelessness For veterans, housing costs certainly play a role, but those who leave the military also face systemic barriers."It's worrying there are people that continue to fall through the cracks," said Jeanette Yih Harvie, a research associate at Syracuse University's D'Aniello Institute for Veterans and Military Families.Just under a quarter of adults experiencing homelessness have a severe mental illness, according to 2022 HUD survey data. They are also likely to have chronic illnesses but are unable to maintain preventative care, which only exacerbates these problems.Veterans facing homelessness are more likely to have experienced trauma, either before or after joining the military, according to Yale researchers who analyzed the 2019-2020 National Health and Resilience in Veterans Study. Childhood trauma was among the most significant commonalities among vets who become homeless. Substance use disorder is also widespread and can indicate an undiagnosed mental illness.Racial and ethnic disparities are at play, too. A 2023 study in the Journal of Psychiatric Research showed that Hispanic and Black veterans were more likely to screen positive for PTSD, and Hispanic veterans were more likely to report having suicidal ideation.Overall, access to mental health care has improved in the last decade or so. In December 2023, the VA announced it would open nine additional counseling centers. However, the stigma of getting help remains, especially after years of being conditioned to be self-reliant and pull oneself up by their bootstraps.That help, in the form of public policy, is slowly working to catch up to the need.In 2023, the Biden administration invested millions into research programs and studies on suicide prevention by the VA office in addition to a proposed $16 billion to improve quality and lower-cost mental health care services for veterans. And, in February of this year, HUD and the VA announced they would give up to $14 million in vouchers to public housing agencies for veterans experiencing homelessness. The program would also offer case management and other services.Still, with a culture that pushes people to keep going, it can be challenging for servicemembers to take advantage of these opportunities, Harvie said. "When you've been doing that for the last 15 or 20 years, it's difficult to stop and say, 'I'm the person that needs help.'"Story editing by Kelly Glass. Copy editing by Kristen Wegrzyn. Stacker Get Government & Politics updates in your inbox!

9 states, including Virginia, poised to end coverage for millions if Trump cuts Medicaid fundingAuburn coach Bruce Pearl is cautioning his team not to overlook visiting Monmouth when they clash on Monday night, in what will be the Tigers' final nonconference game of the regular season. The No. 2 Tigers (11-1) have won four in a row following their lone setback against host Duke on Dec. 4. They open Southeastern Conference play on Jan. 4 against visiting Missouri. But Pearl is wary of the Hawks (2-10), who have won two of their past four games, including a victory at Seton Hall on Nov. 30. Monmouth is led by Abdi Bashir Jr., who ranks among the top 10 in the nation in scoring at 21.6 points per game. The Hawks are coming off an 88-74 win over Fairfield on Dec. 21 in what was their first home game of the season. "(Monmouth coach) King Rice's team has played a really tough schedule and played only one home game," Pearl said. "I think it says a lot and they have a great, great player in (Bashir). He's long and he can shoot it. They play an attractive style, and their record goes out the door." Auburn likely will be fine should forward Johni Broome continue his magnificent play of late. Broome, who leads the Tigers in scoring (18.5 points per game), rebounds (11.5), assists (3.3) and blocks (2.6), bounced back from a right shoulder injury scare and led his team to an 87-69 victory against then-No. 16 Purdue on Dec. 21. Broome scored 23 points and grabbed 11 rebounds to lead Auburn to its fourth win this season over a ranked opponent. With more than a week to rest, Broome figures to be good to go against Monmouth and fit to begin the tough stretch that follows. In addition to Broome, Auburn has seen stellar guard play from Chad Baker-Mazara (12.8 points per game) as well as Tahaad Pettiford and Denver Jones, who each are averaging 11.3 points per game. Bashir, who is shooting 42.9 percent from 3-point range and 42.0 percent overall from the field, has showcased his skills as one of the most explosive scorers in the country against a solid schedule. Monmouth has faced Michigan State, Rutgers and Temple in addition to its 63-51 triumph over Seton Hall on the road. In addition to Bashir Jr., Madison Durr has provided offense with 10.3 points per game and the Hawks have been solid on the boards thanks to Jaret Valencia (6.0 rebounds per game) and Jack Collins (5.3). Valencia and Collins also have been effective scorers, helping take some of the defensive pressure off Bashir at times. But Rice would like to see more consistency from his team, especially on the defensive end. The victory over Seton Hall was the only time Monmouth has held a team below 70 points this season. "We have kids who can score the ball," Rice told reporters following a loss to Lehigh Dec 4. "Abdi can score, Jaret can score, Jack can score, everybody can score. But right now our defense is one of the worst in the country because we're not committed to guarding for each other." --Field Level Media

‘Outlander: Blood of My Blood’: Will There Be a Season 2? Everything We Know So FarYou are amazing! Just a few weeks into our Give Blood, Save Lives campaign to secure 5000 donations of potentially life-saving blood across the Highlands and Moray and already almost 600 big-hearted heroes have come forward. With each donation potentially able to be split three ways that is more than 1700 people in need who have been helped - so far. Among the 590 people who have heeded the call to help are 34 who have given blood for the very first time. A total of 41 plasma donations have also been made, plasma being a specific component of blood that can be used in a variety of ways including to help boost the immune systems of those struggling on that front, for example those undergoing cancer treatment. Scottish National Blood Transfusion Service (SNBTS) head of territory Dr Sylvia Armstrong-Fisher said: “Giving blood or plasma only takes around one hour of your time, but it could give a whole new lease of life to patients in need over the festive season. “We’d like to say a huge thank you to all the donors who have already taken the time out of their busy schedules in the run up to Christmas to ensure they’ve given their festive donations. “There are plenty more opportunities to give blood in Inverness and the surrounding area in the next few weeks.” Among those getting in their donations before Christmas were two Highland businesses who gathered colleagues together for a collective act of giving. Among those were donors from telecoms specialists Future Group Communications Division, led by director Fraser Mackenzie who has been a blood donor for over 10 years. Join Highland News and Media campaign to make a difference Blood donations - 12 ways they can help at Christmas (or any time)! Give life-saving plasma donations “It’s such a worthwhile thing to do,” he said. “It takes so little time and effort, and it could make a massive difference to someone else out there. “After speaking with a contact at another business who’d organised a group donation event, I decided to do the same. “It was easy to organise and a great excuse to do something together and have a good laugh outside of work.” Staff from Breedon Group, a leading producer of construction materials, were also in a giving mood, among them first-time donor Stephen Chisholm. “I’ve always known it was a good thing to do,” he said. “Giving blood as a group has made my first donation experience so much more relaxed and I’ve had great support here with me. “It feels really good knowing that we’ve done something together that took so little of our time but can make a huge difference to someone else out there.’ Simon Johnston was something of a “lapsed” donor but was delighted to get back into the saddle “I gave blood years ago at a local community donor session in Elgin but fell out of the habit,” he said. “When I heard the team were organising a group event, I knew I wanted to be involved. “Coming together as a team helps you feel relaxed, and the banter is great too!” There are a range of opportunities to give blood over the festive season and beyond - and if you are a workplace, social or sporting group keen to give collectively we would love to hear from you. Inverness Blood Donor Centre has a range of opening hours throughout the festive period. There will also be a session at Green Drive Community Hall, Culduthel, Inverness on December 30 (2.30-4pm and 5.30-7.30pm) where there are still appointments available. Other community sessions due to be held over the next few weeks include at Elgin on January 5 and Wick on January 8. Book an appointment at www.scotblood.co.uk or give them a call on 0345 90 90 999 (Mon-Fri, 9am-5pm) to find out more.

‘Uniquely mysterious’: Unpacking a development proposal in Paradise ValleyORCHARD PARK, N.Y. (AP) — Cornerback Taron Johnson is still agitated over the dud the Buffalo Bills defense produced in giving up season worsts in points and yards, while melting down on third down in a loss to the Los Angeles Rams last weekend. There’s no better time or opportunity to show how much better they are than this Sunday. That’s when the Bills (10-3) travel to play the NFC-leading Detroit Lions (12-1), who just happen to lead the NFL in scoring and feature the same dynamic style of offense as the Rams. “I think our mindset is just going to be attack,” Johnson said after practice Wednesday. “We can’t wait to play Sunday just to prove people wrong and prove to ourselves that how we played wasn’t who we are.” The Bills acknowledge having several excuses to lean on for why they unraveled in a 44-42 loss — riding a little too high after a division-clinching win, a cross-country trip and facing a more driven opponent in the thick of a playoff race. What’s unacceptable is the hesitancy their usually reliable defensive backs showed in coverage and the lack of pressure applied by their defensive front. The bright side is the substandard performance potentially serving as a late-season reminder of this not being the time to let their foot off the gas. “A lot of teams have scars on their way to having a darn good season. And we’re having a darn good season,” coach Sean McDermott said. “So what has to be in front of us this week is the opportunity that’s in front of us, quite frankly, to challenge that team,” he added, referring to Detroit. “You better bring your heart, you better bring your guts, you better put it on the line.” With a little bit of added fire, the Bills are going back to the basics on defense following an outing in which very little went right. The defense was off-balance from the start in being unable to stop the run, before eventually being picked apart in the passing game while allowing the Rams to score on each of their first six drives (not including a kneel-down to close the first half) in building a 38-21 lead. The most frustrating part was Buffalo’s inability to get off the field while allowing the Rams to convert 11 of 15 third-down chances. LA’s 73.3% third-down conversion rate was the third highest against Buffalo — and worst since Miami converted 75% of its chances in 1986 — since the stat was introduced to NFL gamebooks in 1973. “The recipe to lose a football game is what we did (Sunday) and it starts with me, first and foremost,” defensive coordinator Bobby Babich said Monday. “Move on and let it not happen again. Let it be a learning lesson. Failure is the best teacher.” The challenge is preparing for an exceptionally balanced Lions offense that ranks fourth in the NFL in both rushing and passing, and averaging 32.1 points per outing. The objective, McDermott said, is to not overcorrect but stick to the fundamentals that led to Buffalo winning seven straight before losing to Los Angeles. He placed an emphasis on winning at the line of scrimmage and forcing takeaways, something Buffalo failed to do last weekend for the first time this season. A little more urgency, would help, too. “It is a mentality. It is an attitude, and if you want to play good defense, that’s where it starts,” McDermott said. “There’s not a lot of shortcuts or ways around it. It’s got to be a mentality.” The message resonated even on offense, where quarterback Josh Allen nearly rallied the Bills to victory while becoming the NFL’s first player to throw three touchdown passes and rush for three more scores. “It was a case of you saw a team that’s fighting for their lives to try to make the playoffs in the Los Angeles Rams, and they came out ready to play. And maybe we didn’t have that type of urgency,” Allen said. “It forces us to know that we’ve got to be better. We know that.” NOTES: LB Baylon Spector (calf) and DE Dawuane Smoot (wrist) returned to practice Wednesday, opening their 21-day windows to be activated off IR. ... Starting CB Rasul Douglas did not practice and could miss time after hurting his knee on Sunday. ... Buffalo has until this weekend to determine whether to activate OL Tylan Grable (groin) off IR. ___ AP NFL: https://apnews.com/hub/nfl John Wawrow, The Associated Press