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Former Tulane quarterback Darian Mensah has already found a new program in Duke, while Mississippi State's Michael Van Buren Jr., Wisconsin's Braedyn Locke and Cal's Fernando Mendoza are exploring changes of their own in the transfer portal. Mensah, a redshirt freshman with three years of eligibility remaining, told ESPN on Wednesday he has transferred to Duke. He attended the Blue Devils men's basketball game against Incarnate Word on Tuesday night. The Blue Devils (9-3) will face Mississippi in the Gator Bowl, but without 2024 starting quarterback Maalik Murphy and backup Grayson Loftis, who also entered the portal. Mensah, viewed as one of the top players in the portal, threw for 2,723 yards and 22 touchdowns and completed 65.9% of his passes. He led the Green Wave to a 9-4 record and the American Athletic Conference championship game, where they lost 35-14 to Army. Tulane will play Florida in the Gasparilla Bowl on Sunday. Van Buren, Mendoza and Locke announced on social media they had entered the portal. Van Buren started eight games as a true freshmen for the Bulldogs. He threw for 1,886 yards on 55% passing with 16 total touchdowns and seven interceptions for the Bulldogs (2-10, 0-8 Southeastern Conference). He took over as the starter when Blake Shapen suffered a season-ending shoulder injury in a 45-28 loss to Florida on Sept. 21. Shapen has said he plans to return next season. Van Buren, a 6-foot-1, 200-pound passer from St. Frances Academy in Maryland, had two 300-yard performances for the Bulldogs, including 306 yards and three touchdown passes in a 41-31 road loss against Georgia. Mendoza threw for 3,004 yards in 2024 with 16 TDs, six interceptions and a 68.7 completion percentage. "For the sake of my football future this is the decision I have reached," he posted. Locke passed for 1,936 yards with 13 touchdowns and 10 interceptions for Wisconsin this season. He said he will have two years of eligibility remaining at his next school. Michigan duo enters draft ANN ARBOR, Mich. — Michigan cornerback Will Johnson has joined defensive tackle Mason Graham in the NFL draft. Johnson declared for the draft on Wednesday, one day after Graham decided he would also skip his senior season with the Wolverines. Both preseason All-America players are expected to be first-round picks. Johnson was limited to six games this year due to an injury. He had two interceptions, returning them both for touchdowns to set a school record with three scores off interceptions. Johnson picked off nine passes in three seasons. Graham played in all 12 games this season, finishing with 3 1/2 sacks and seven tackles for losses. He had 18 tackles for losses, including nine sacks, in his three-year career. AP announces All-SEC team Tennessee running back Dylan Sampson is The Associated Press offensive player of the year in the Southeastern Conference and South Carolina defensive lineman Kyle Kennard is the top defensive player. Vanderbilt quarterback Diego Pavia was voted the top newcomer on Wednesday while the Gamecocks' Shane Beamer is coach of the year in voting by the panel of 17 media members who cover the league. Sampson led the SEC and set school records by rushing for 1,485 yards and 22 touchdowns. He is tied for third nationally in rushing touchdowns, recording the league's fifth-most in a season. Sampson was chosen on all but two ballots. Mississippi wide receiver Tre Harris and his quarterback, Jaxson Dart, each got a vote. Kennard led the SEC with 11-1/2 sacks and 15-1/2 tackles for loss. He also had 10 quarterback hurries and forced three fumbles. Beamer led the Gamecocks to just their fifth nine-win season, including a school-record four wins over Top 25 opponents. They've won their last six games and ended the regular season with a win over eventual ACC champion Clemson. South Carolina plays Illinois on Dec. 31 in the Citrus Bowl. Pavia helped lead Vandy to its first bowl game since 2018 after transferring from New Mexico State. He passed for 2,133 yards and 17 touchdowns with four interceptions. He ran for another 716 yards and six touchdowns, directing an upset of Alabama. Campbell gets new deal with ISU AMES, Iowa — Matt Campbell, who led Iowa State to its first 10-win season and became the program's all-time leader in coaching victories, has agreed to an eight-year contract that would keep him with the Cyclones through 2032. University president Wendy Wintersteen and athletic director Jamie Pollard made the announcement Wednesday, four days after the Cyclones lost to Arizona State in the Big 12 championship game. “Given all the uncertainty currently facing college athletics, it was critical that we moved quickly to solidify the future of our football program,” Pollard said. “Matt is the perfect fit for Iowa State University and I am thrilled he wants to continue to lead our program. Leadership continuity is essential to any organization’s long-term success." The Cyclones won their first seven games for their best start since 1938 and are 10-3 heading into their game against Miami in the Pop Tarts Bowl in Orlando, Florida, on Dec. 28. BRIEFLY FLAG PLANT: Ohio Republican state Rep. Josh Williams said Wednesday on social media he's introducing a bill to make flag planting in sports a felony in the state. His proposal comes after the Nov. 30 fight at the Michigan-Ohio State rivalry football game when the Wolverines beat the Buckeyes 13-10 and then attempted to plant their flag at midfield. MALZAHN: Gus Malzahn, who resigned as UCF’s coach last month to become Mike Norvell’s offensive coordinator at Florida State, said he chose to return to his coaching roots rather than remain a head coach distracted by a myriad of responsibilities.The new, 12-team College Football Playoff brings with it a promise to be bigger, more exciting, more lucrative. Perfect or 100% fair? Well, nobody ever believed that. The first expanded playoff bracket unveiled Sunday left a presumably deserving Alabama team on the sideline in favor of an SMU squad that finished with a better record after playing a schedule that was not as difficult. It ranked undefeated Oregon first but set up a possible rematch against Ohio State, the team that came closest to beating the Ducks this year. It treated underdog Boise State like a favorite and banged-up Georgia like a world beater at No. 2. It gave Ohio State home-field advantage against Tennessee for reasons it would take a supercomputer to figure out. It gave the sport the multiweek tournament it has longed for, but also ensured there will be plenty to grouse about between now and when the trophy is handed out on Jan. 20 after what will easily be the longest college football season in history. All of it, thankfully, will be sorted out on the field starting with first-round games on campuses Dec. 20 and 21, then over three succeeding rounds that will wind their way through traditional bowl sites. Maybe Oregon coach Dan Lanning, whose undefeated Ducks are the favorite to win it all, put it best when he offered: "Winning a national championship is not supposed to be easy.” Neither, it turns out, is figuring out who should play for it. The Big Ten will lead the way with four teams in the tournament, followed by the SEC with three and the ACC with two. The lasting memory from the inaugural bracket will involve the decision that handed the ACC that second bid. Alabama of the SEC didn't play Saturday. SMU of the ACC did. The Mustangs fell behind by three touchdowns to Clemson before coming back to tie. But they ultimately lost 34-31 on a 56-yard field goal as time expired. “We were on pins and needles,” SMU coach Rhett Lashley said. “Until we saw the name ‘SMU’ up there, we were hanging on the edge. We're really, really happy and thankful to the committee for rewarding our guys for their total body of work." The Mustangs only had two losses, compared to three for the Crimson Tide. Even though SMU's schedule wasn't nearly as tough, the committee was impressed by the way the Mustangs came back against Clemson. “We just felt, in this particular case, SMU had the nod above Alabama,” said Michigan athletic director Warde Manuel, the chairman of the selection committee. “But it’s no disrespect to Alabama’s strength of schedule. We looked at the entire body of work for both teams.” Alabama athletic director Greg Byrne was gracious, up to a point. “Disappointed with the outcome and felt we were one of the 12 best teams in the country,” he said on social media. He acknowledged — despite all of Alabama’s losses coming against conference opponents this season — that the Tide’s push to schedule more games against teams from other major conferences in order to improve its strength of schedule did not pay off this time. “That is not good for college football," Byrne said. Georgia, the SEC champion, was seeded second; Boise State, the Mountain West champion, earned the third seed; and Big 12 titlist Arizona State got the fourth seed and the fourth and final first-round bye. All will play in quarterfinals at bowl games on Dec. 31-Jan. 1. Clemson stole a bid and the 12th seed with its crazy win over SMU, the result that ultimately cost Alabama a spot in the field. The Tigers moved to No. 16 in the rankings, but got in as the fifth-best conference winner. The conference commissioners' idea to give conference champions preferable treatment in this first iteration of the 12-team playoff could be up for reconsideration after this season. The committee actually ranked Boise State, the Mountain West Champion, at No. 9 and Big 12 champion Arizona State at No. 12, but both get to skip the first round. Another CFP guideline: There’s no reseeding of teams after each round, which means no break for Oregon. The top-seeded Ducks will face the winner of Tennessee-Ohio State in the Rose Bowl. Oregon beat Ohio State 32-31 earlier this year in one of the season’s best games. No. 12 Clemson at No. 5 Texas, Dec. 21. Clemson is riding high after the SMU upset, while Texas is 0-2 against Georgia and 11-0 vs. everyone else this season. The winner faces ... Arizona State in the Peach Bowl. Huh? No. 11 SMU at No. 6 Penn State, Dec. 21. The biggest knock against the Mustangs was that they didn't play any big boys with that 60th-ranked strength of schedule. Well, now they get to. The winner faces ... Boise State in the Fiesta Bowl. Yes, SMU vs. Boise was the quarterfinal we all expected. No. 10 Indiana at No. 7 Notre Dame, Dec. 20. Hoosiers coach Curt Cignetti thought his team deserved a home game. Well, not quite but close. The winner faces ... Georgia in the Sugar Bowl. The Bulldogs got the No. 2 seed despite a throwing-arm injury to QB Carson Beck. But what else was the committee supposed to do? No. 9 Tennessee at No. 8 Ohio State , Dec. 21. The Buckeyes (losses to Oregon, Michigan) got home field over the Volunteers (losses to Arkansas, Georgia) in a matchup of programs with two of the biggest stadiums in football. The winner faces ... Oregon in the Rose Bowl. Feels like that matchup should come in the semifinals or later. Get poll alerts and updates on the AP Top 25 throughout the season. Sign up here . AP college football: https://apnews.com/hub/ap-top-25-college-football-poll and https://apnews.com/hub/college-footballjili 7xm

Congressional bicameral team pushes for insurance, pharmaceutical reformNone

Ruben Amorim will look to claim his first win as Manchester United head coach when his side welcome Bodo/Glimt to Old Traffordfor Thursday's Europa League contest. The former Sporting Lisbon had to settle for a draw in his opening game against Ipswich Town after Omari Hutchinson cancelled out Marcus Rashford 's early opener. The Red Devils will head into their midweek outing in 15th place in the Europa League standings after winning one and drawing three of their opening four matches in the league phase. Here, Sports Mole rounds up Man United's injury and suspension news ahead of their meeting with Bodo/Glimt, who are sitting in 12th position with seven points to their name. Leny Yoro © Imago Status: Minor doubt Type of injury: Foot Possible return date: November 28 (vs. Bodo/Glimt) Man United's summer is still waiting to make his competitive debut after sustaining a serious foot injury in a pre-season friendly against Arsenal. Yoro returned to training earlier this month , and while the Ipswich clash came too soon, there is a possibility that he could be passed fit to feature in Thursday's squad. Lisandro Martinez © Imago Status: Major doubt Type of injury: Back Possible return date: November 28 (vs. Bodo/Glimt) Martinez missed Sunday's trip to Portman Road after he was forced to withdraw from the Argentina squad with a back issue, and it is currently unclear whether the defender will be able to recover in time for the visit of Bodo/Glimt. Harry Maguire © Imago Status: Out Type of injury: Muscle Possible return date: Unknown Maguire is still not fit enough to return to Man United training after he picked up a muscle injury in October's Premier League clash with Aston Villa. Victor Lindelof © Imago Status: Out Type of injury: Groin Possible return date: Unknown Lindelof sustained a groin injury in Sweden's 2-1 win over Slovakia in the UEFA Nations League earlier this month. The defender missed the draw against the Tractor Boys and will remain sidelined for the upcoming Europa League fixture. Toby Collyer © Imago Status: Major doubt Type of injury: Muscle Possible return date: (November 28 (Bodo/Glimt) Collyer is expected to return to action in the near future after he picked up an injury earlier this month. However, the youngster will have to make swift progress if he is to put himself in contention to feature on the bench on Thursday. MANCHESTER UNITED'S SUSPENSION LIST Man United have no players suspended for the Europa League clash.

Qatar tribune Agencies Moscow/Kiev Russian President Vladimir Putin and Hungarian Prime Minister Viktor Orbán have spoken on the phone about the war in Ukraine after a request from the Hungarian side, Kremlin officials said. Orbán declared his willingness to contribute to political and diplomatic efforts to find a solution to the ongoing conflict and said he could use his contacts with Western politicians, Moscow officials said. Putin said Kiev was pursuing a destructive approach and still ruling out any possibility of a peaceful settlement, the Kremlin said. Orbán later posted on his Facebook page that Hungary would use all diplomatic means to bring about a ceasefire. Analysts have commented that this signals the phone call did not produce any tangible results. Despite Russia’s invasion of Ukraine, Orbán maintains close contacts with Moscow. He paid a surprise visit to Putin in July at the beginning of the Hungarian EU Council presidency, earning him criticism from EU colleagues showing solidarity with Kiev. Meanwhile, Ukraine’s military said it had hit an oil depot in western Russia that fuels a key pipeline for Russian military supplies. The military’s general staff said on Wednesday the overnight attack had caused a “massive fire” to break out at the facility in the Bryansk region. Footage posted by the Astra Telegram channel, which shares war updates from Russian journalists, appeared to show huge flames towering into the sky near the targeted site. Ukrainian news site Pravda also published an image of the blaze. Bryansk Governor Alexander Bogomaz acknowledged a production facility in the region had caught fire after a drone attack, but said it had been extinguished. The Soviet-built Druzhba oil pipeline, which pumps oil from the fields in Western Siberia and the Caspian Sea to markets of Europe, runs through the Bryansk region, as does the Baltic Pipeline System which runs to the Baltic Sea. Meanwhile in Zaporizhzhia, one of the four Ukrainian regions Moscow claimed to annex in 2022 without fully controlling, casualties continued to mount from an attack the day before that hit a medical clinic and office building. At least seven people have been confirmed killed and others are still trapped under the rubble, said Ukraine’s State Emergency Service on Wednesday. Copy 12/12/2024 10Winston's performance in snowy win over Steelers adds new layer to Browns' quarterback conundrum

Xiaomi 14T Pro Xiaomi’s T series of phones fit a recognisable part of a smartphone manufacturer's portfolio. T phones look to bring as many of the key features from the high-end flagship range but at a more affordable price. Every smartphone is a balance of priorities, but the so-called “flagship killer” space of high specifications against lower price While the flagships can push specifications and capabilities to a greater extent, Xiaomi needs to focus tightly on where it wants to invest the bill of materials. Having spent time with a Xiaomi 14T Pro review unit, three areas that have picked up that focus are the display, the camera, and the all-important for 2024 and beyond AI features. The Xiaomi 14T Pro Display At 6.67 inches, the AMOLED display dominates the handset. With the vertical edges and just a slight chamfer, the overall feel is reminiscent of several Android smartphones. The curve to the rear edge is more pronounced; Xiamoi calls this a 3D Curved Back, following other smartphone manufacturers by branding as many of the touches on the phone as possible. Xiaomi 14T Pro Thus, we get "CrystalRes AMOLED Technology” powering the AMOLED display. The numbers tell the story, though; it runs at 2712x1200 pixels (446 pixels per inch) and has a refresh rate of up to 144Hz for smooth scrolling and impressive graphics handling for mobile gaming. Mystery Drones Over New Jersey And Nearby States: Mayorkas Says ‘We Are On It’—But No Known Foreign Involvement (Updating) Gmail Account Deletion Warning—Act Now To Save Your Email In 2025 WWE Saturday Night’s Main Event Results: Drew McIntyre Defeats Sami Zayn That fast refresh is probably the key feature. It’s variable. This can be left to change automatically, or you can lock it to a slower rate of 60Hz to improve battery life, leaving the smooth scrolling and animations behind for more time with your phone. One thing the screen doesn’t have much of is glare, the peak brightness of 4,000 nits contributes to the readability in sunlight. The display ratio of 20:9 matches the likes of the Pixel 9 and Pixel 9 Pro, but is slightly narrower than Samsung’s Galaxy S25 family. There are still some app compatibility issues here, with landscape views offering thin black bars on either side of the main display... which means the thin bezels are obscured by the pixels but does mean that the selfie camera isn’t in view when watching videos. Leica And The Xiaomi 14T Pro It’s impossible to miss the Leica Optics lens at the rear of the Xiaomi 14T Pro. Three lenses, plus some sensors and LED flash, are arranged in a 2x2 layout on a raised square island. It echoes the curved edges with many 90-degree profiles seen in the rest of the handset. Xiaomi 14T Pro Lens-wise, the main camera comes with a common mix of lenses: a 50MP LightFusion primary sensor, a 50MP telephoto lens with 2.6x optical zoom, and a 12MP ultra-wide lens. One thing prevalent on more expensive handsets that is missing here is a folded “periscope” optical zoom. That limits the extreme zoom capability, although that feels like one of the compromises made to get better imagery with subjects closer to the smartphone. Alongside the hardware, the Leica partnership offers two Leice photographic styles, Leica filters, and a Leica portrait mode as part of the package. There’s even a shutter sound designed to replicate the sound of a mechanical shutter on a Leica camera. Those two filters, vibrant or authentic, address one of the long-standing differences between smartphones depending on their regional releases... will the camera software bias towards a more vibrant color, or a more authentic color. Here, you can switch between the two options with a touch on an icon in the camera app. It’s still not perfect in terms of color reproduction; the vibrancy is still there; authentic still feels a touch too over-eager for genuine authenticity, but the camera delivers some sharp images in close spaces and out to middle distance. For the mid-range market, this is an above-average camera. Android And The Xiaomi 14T Pro HyperOS is Xiaomi’s flavour of Android. The global version does have support for Google Play Services, so you have the likes of Gmail, Chrome and YouTube, as Android users expect. Xiaomi 14T Pro HyperOS biases towards a simple UI without overloading the user with too many settings or options. They are there, so power users must go through another layer of dialog boxes. The look and feel of the software is very much focused on large curved corners. This takes up a lot of space around information, and I found myself wanting more information on the screen, but I can see the impact of this look in making the 14T Pro feel less threatening. That’s helped by a less than fanatical implementation of artificial intelligence. As with almost every smartphone manufacturer, AI is an ever-present “new feature” in the software. Xiaomi hasn’t overpowered the environment with AI at every corner, but it is there. Out of the box the handset is set to use Google Gemini instead of Google Assistant, and several AI features in the camera app to help you take, edit, and select the best picture possibl Much like the UI, AI is there if you dig into the settings and dialogs if you want it. Xiaomi’s current AI suite is not as extensive as those from Google and Samsung, so this implementation feels a bit behind the curve. More AI tools are coming in future updates, at this point you can make a fair AI comparison between devices. Conclusions The Xiaomi 14T Pro is an iterative update to last year’s 13T Pro, and the small steps forward, while attractive, don’t feel enough to force an upgrade. Those coming to the mid-range after two or more years with their current handset will find much more to like. The camera has clearly been a priority, and while optical zoom has been sacrificed, the camera makes up for it with a much more robust capability for personal and group pictures. The screen’s refresh rate creates a feeling of smoothness and accuracy that belies the price of the handsets, and HyperOS strips back the complexity of Android without removing it. Xiaomi 14T Pro The Xiaomi 14T Pro is missing some features you would expect to see on premium smartphones. The battery life is less than you would expect for 5000mAh. Neither is a fast charger in the box, but that’s becoming standard at the highest end, so maybe it is a perfect echo of a flagship? It’s a classic flagship-killer, not a flagship. That makes it a very strong performer in the mid-range space and deserves your consideration. Disclaimer: Xiaomi provided a Xiaomi 14T Pro for review purposes.Forward-looking: A new development in flexible thermoelectric film technology could pave the way for a new generation of wearable devices and cooling solutions. Researchers at Queensland University of Technology (QUT) have created a flexible film that addresses the longstanding challenges of flexibility, manufacturability, and performance. Australian researchers have engineered an ultra-thin, flexible film capable of harnessing body heat to power wearable devices, potentially eliminating the need for batteries. This technology, which could also cool electronic chips in smartphones and computers, marks a significant advancement in a field that has been steadily progressing for years. The breakthrough builds upon foundational work by research teams worldwide focusing on energy harvesting and thermal management. Thermoelectric devices that can convert temperature differences into electricity have long been sought after for wearable electronics. However, creating flexible, efficient, and commercially viable versions has proven to be difficult. Limited flexibility, complex manufacturing processes, high costs, and insufficient performance have been among the roadblocks in scaling up and commercializing flexible inorganic thermoelectrics for wearable electronics and high-end cooling applications. Professor Zhi-Gang Chen and his team at QUT appear to have addressed these challenges. Their research, published in the journal Science, introduces a cost-effective technology for producing flexible thermoelectric films. The key innovation lies in the use of tiny crystals, or "nanobinders," that form a consistent layer of bismuth telluride sheets, enhancing both efficiency and flexibility. The team's method integrates solvothermal synthesis, screen-printing, and sintering techniques. Solvothermal synthesis creates nanocrystals in a solvent under high temperature and pressure, while screen-printing enables large-scale film production. The sintering process heats the films to near-melting point, effectively bonding the particles together. The resulting printable film consists of Bi2Te3-based nanoplates as highly oriented grains and Te nanorods as nanobinders. When assembled into a flexible thermoelectric device, the film's power density ranked among the highest for screen-printed devices. The QUT team's approach is not limited to bismuth telluride-based thermoelectrics. Wenyi Chen, the study's first author, noted that their technique could also work with other systems, such as silver selenide-based thermoelectrics, which are potentially cheaper and more sustainable. This technology opens up a range of potential applications. "Flexible thermoelectric devices can be worn comfortably on the skin where they effectively turn the temperature difference between the human body and surrounding air into electricity," Professor Chen said. Beyond powering wearable electronics, the film could be used for personal thermal management. For example, the integration of flexible thermoelectric devices into textiles opens up new possibilities for smart clothing with these devices used to create self-powered heated garments for cold environments. Earlier research has shown that flexible thermoelectric devices can offer innovative solutions for energy harvesting and thermal management across various sectors. In the automotive industry, flexible thermoelectric devices could be incorporated into vehicles to power battery-free distance detection sensors for autonomous driving by utilizing the temperature difference between a car's interior and exterior. These devices could also harvest energy from exhaust pipes and other heat-generating components, improving fuel efficiency and reducing emissions. The medical field could also benefit greatly from this technology. Flexible thermoelectric devices could power implantable medical devices using body heat, eliminating the need for battery replacements and reducing the risk of complications. Additionally, they could enable continuous, non-invasive body temperature monitoring systems, providing valuable data for health monitoring. On a larger scale, flexible thermoelectric devices have the potential to harvest waste heat from infrastructure. By conforming to the curved surfaces of pipes, machinery, or building components, these devices could generate electricity from previously untapped heat sources, contributing to more energy-efficient buildings and industrial processes.None

HOUSEHOLDS are set to get support to help them boost their savings under new City watchdog plans. Currently, savers who have cash with pension and investment firms can't get any kind of help with where to put their money without paying a significant fee for financial advice. But under plans confirmed today, first revealed by The Sun earlier this year, financial firms will be able to provide "targeted support" to savers to help them decide where to put their cash. This would be in the form of tailored guidance on what savers should do with their money based on their circumstances. The Financial Conduct Authority (FCA) said that three quarters (75%) of consumers aged over 45 don't have a clear plan for how to take money from their pension or didn't even know they had a choice. By allowing firms to offer savers extra support, the aim is that it will increase savers' engagement with their money so they make decisions that could boost their savings long-term. MORE ON MONEY The latest proposals will apply to pension providers. The FCA said it will consult on introducing targeted support for investment firms next year. How will the targeted support work? The FCA said the so-called "targeted support" would allow firms to provide guidance to customers based on suggestions developed for a group of similar consumers. For example, if they identified someone was taking an unsustainable amount from their pension, they would be able to suggest a more sustainable option based on other people in that customers' situation. In a consultation into the proposals, published today, the FCA suggested that targeted support should be provided by firms for free. Most read in Money It said its own research found that support being free at the point of use positively influenced peoples' interest in accessing the support. In the FCA's consultation document, it provided an example of its proposed targeted support service in action. It said: "The provider asks the consumer if they want to answer a limited number of questions so they can suggest an appropriate option for consumers with these common characteristics and needs. The provider collects information about the consumer’s preferences for the type of income, and finds out if they need a guaranteed income or can accept a reduced income from time to time. This could involve the provider saying: 'We suggest taking drawdown initially but that you review your position at least once a year. This suggestion is based on this option being considered appropriate for consumers in similar circumstances with similar needs as you." What do the experts say? Tom Selby, director of public policy at financial firm AJ Bell, said the existing rules make it difficult for firms to offer anything beyond basic information, so allowing firms to provide more useful support could be "game-changing" for savers. "The existing regulatory framework makes it difficult for firms to offer anything beyond relatively basic information," he said. “This means millions of people who don’t take regulated advice are essentially left to make often complex retirement decisions on an island, without receiving the help they need. “The proposal to create a new ‘targeted support’ regime allowing more personal help to be provided for free could be a game-changer for consumers, potentially helping millions of savers make better-informed decisions about their finances." Rachael Griffin, financial planning expert at Quilter, added: "These proposals could represent a significant step forward in ensuring that consumers are better equipped to make informed decisions about their retirement income and feel confident about their financial futures." However, experts have cautioned that firms will need to ensure savers aren't misled into thinking they have received regulated financial advice . Tom McPhail, director of public affairs at consultancy The Lang Cat, said: " There is a risk with the proposals that in allowing firms to use language with customers such as ‘we suggest (a particular product solution), based on this being appropriate for people in similar circumstances to you’ could result in customers believing they have received advice when they have not. "We welcome these proposals and the FCA’s boldness is trying to help savers achieve better financial outcomes, however the solution is by no means risk free; effective customer communication and disclosures will be essential to mitigate this risk." Mr Selby said the FCA's "consumer duty" rules, which require firms to put customers' needs first, should protect customers from harm, but agreed it is important the new rules don't confuse savers further. READ MORE SUN STORIES "It is important that, from a customer’s perspective, targeted support is simply seen as normal and embedded within existing consumer journeys rather than being a distinct, separate offering, which may lead to confusion," he said.Patriots' Gonzalez sets sights on first Pro Bowl

It was the fourth time this season they had conceded four or more and the performance showed why they have the Premier League’s worst defence. When O’Neil and the players went over to acknowledge the visiting supporters there were boos for a run of two wins in 14 league matches. “Whatever the fans think of me, there is definitely no-none working harder than me and I will continue to do so until someone tells me not to,” said O’Neil, who is under increasing pressure with his side second bottom of the table. “I go over there to see them because I appreciate every one of the Wolves fans. They have given me unbelievable support since I arrived at the football club,” he said. “We managed to produce some unbelievable stuff last season with a team that was heavily tipped by most of the nation for relegation. We managed to enjoy it together. “Now it is tough. I was happy to go over there and look them right in the face and take any criticism they want to throw at me. “I accept responsibility for my part in that. Whatever criticism they want to throw at me will not change how I feel about them. “Everyone at this football club needs to do more. We will get back to be ready to fight again on Monday (another crucial game against West Ham, whose manager Julen Lopetegui’s tenure is hanging by a thread). “I will work with everything I have. I will back myself to get the most out of the group. I understand the drive for change (but) you never know how much of a percentage of supporters it is.” Veteran Ashley Young ended Everton’s 370-minute wait for a goal with a 10th-minute free-kick, his first league goal for more than two years, and on-loan Lyon midfielder Orel Mangala blasted home his first for the club to establish a 2-0 half-time lead. Two Craig Dawson own goals secured Everton’s biggest home league win since April 2019, but manager Sean Dyche insisted their issues up front were far from sorted. He said: “It’s our fifth clean sheet in the last eight so the consistency has been there in one degree, we just haven’t been scoring goals. That’s been the hardest thing to find consistently and we haven’t solved it yet. “Goals change everything, they change opinions. That’s what football is like.” The victory was hugely important in a month in which, having been hammered 4-0 at Manchester United, they face top-six sides Liverpool, Arsenal, Chelsea, Manchester City and Nottingham Forest and undoubtedly eased some of the pressure on Dyche and his players. “I’ve told them how proud I am of them,” he added. “The challenges come thick and fast on and off the pitch and they just keep going. “It’s only a step and there are many more to go but it’s a good step and a positive step. “It’s a temporary moment in time because the next one is a big one (Saturday’s Merseyside derby).”

I'm A Celebrity viewers say Cyclone immunity twist is 'unfair'

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