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Heavy travel day starts with brief grounding of all American Airlines flightsWASHINGTON — American Airlines briefly grounded flights nationwide Tuesday because of a technical problem just as the Christmas travel season kicked into overdrive and winter weather threatened more potential problems for those planning to fly or drive. Government regulators cleared American flights to get airborne about an hour after the Federal Aviation Administration ordered a national ground stop for the airline. The order, which prevented planes from taking off, was issued at the airline's request. The airline said in an email that the problem was caused by trouble with vendor technology that maintains its flight operating system. An American Airlines employee wearing looks toward quiet check-in counters Tuesday in the American terminal at Miami International Airport in Miami. Dennis Tajer, a spokesperson for the Allied Pilots Association, a union representing American Airlines pilots, said the airline told pilots at 7 a.m. Eastern that there was an outage affecting the system known as FOS. It handles different types of airline operations, including dispatch, flight planning, passenger boarding, as well as an airplane's weight and balance data, he said. Some components of FOS have gone down in the past, but a systemwide outage is rare, Tajer said. Flights were delayed across American's major hubs, with only 37% leaving on time, according to Cirium, an aviation analytics company. Out of the 3,901 domestic and international American Airlines flights scheduled for Tuesday, 19 were canceled. Cirium noted that the vast majority of flights departed within two hours of their scheduled departure time. A similar percentage — 36% — arrived at their destinations as scheduled. Meanwhile, the flight-tracking site FlightAware reported that 3,712 flights entering or leaving the U.S., or serving domestic destinations, were delayed Tuesday, with 55 flights canceled. It did not show any flights from American Airlines. Cirium said Dallas-Fort Worth, New York's Kennedy Airport and Charlotte, North Carolina, saw the greatest number of delays. Washington, Chicago and Miami experienced considerably fewer delays. Travelers wait in line for security checks Tuesday at the Los Angeles International Airport in Los Angeles. Amid the travel problems, significant rain and snow were expected in the Pacific Northwest at least into Christmas Day. Showers and thunderstorms developed in the South. Freezing rain was reported in the Mid-Atlantic region near Baltimore and Washington, and snow fell in New York. Because the holiday travel period lasts weeks, airports and airlines typically have smaller peak days than they do during the rush around Thanksgiving, but the grind of one hectic day followed by another takes a toll on flight crews. Any hiccups — a winter storm or a computer outage — can snowball into massive disruptions. That is how Southwest Airlines stranded 2 million travelers in December 2022, and Delta Air Lines suffered a smaller but significant meltdown after a worldwide technology outage in July caused by a faulty software update from cybersecurity company CrowdStrike. Many flights during the holidays are sold out, which makes cancellations even more disruptive than during slower periods. That is especially true for smaller budget airlines that have fewer flights and fewer options for rebooking passengers. Only the largest airlines, including American, Delta and United, have "interline agreements" that let them put stranded customers on another carrier's flights. An American Airlines employee wearing a Santa Claus hat walks through the American terminal Tuesday at Miami International Airport in Miami. This will be the first holiday season since a Transportation Department rule took effect that requires airlines to give customers an automatic cash refund for a canceled or significantly delayed flight. Most air travelers were already eligible for refunds, but they often had to request them. Passengers still can ask to get rebooked, which is often a better option than a refund during peak travel periods. Finding a last-minute flight on another airline tends to be expensive. An American spokesperson said Tuesday was not a peak travel day for the airline — with about 2,000 fewer flights than the busiest days — so the airline had somewhat of a buffer to manage the delays. The groundings happened as millions of travelers were expected to fly over the next 10 days. The Transportation Security Administration expects to screen 40 million passengers through Jan. 2. Airlines expect to have their busiest days on Thursday, Friday and Sunday. American Airlines employees check in travelers Tuesday in the American terminal at Miami International Airport in Miami. Many flights during the holidays are sold out, which makes cancellations more disruptive than during slower periods. Even with just a brief outage, the cancellations have a cascading effect that can take days to clear up. About 90% of Americans traveling far from home over the holidays will be in cars, according to AAA. "Airline travel is just really high right now, but most people do drive to their destinations, and that is true for every holiday," AAA spokesperson Aixa Diaz said. Gasoline prices are similar to last year. The nationwide average Thursday was $3.04 a gallon, down from $3.13 a year ago, according to AAA. Charging an electric vehicle averages just under 35 cents per per kilowatt hour, but varies by state. Transportation-data firm INRIX says travel times on the nation's highways could be up to 30% longer than normal over the holidays, with Sunday expected to see the heaviest traffic. "It's not the destination, it's the journey," said American essayist Ralph Waldo Emerson. Ralph clearly was not among the travellers on one of more than 350 cancelled or 1,400 delayed flights after a worldwide tech outage caused by an update to Crowdstrike's "Falcon Sensor" software in July of 2023. U.S. airlines carried nearly 863 million travellers in 2023, with Canadian carriers accounting for another 150 million, many of whom experienced lost luggage, flight delays, cancellations, or were bumped off their flights. It's unclear how many of them were compensated for these inconveniences. Suffice it to say, posting a crabby rant on social media might temporarily soothe anger, but it won't put wasted money back in pockets. Money.ca shares what to know in order to be compensated for the three most common air travel headaches. Bags elected to go on a vacay without you? Check off the following: If you expect a large payout, think again. Tariffs (air carrier contracts) limit the compensation amounts for "loss of, damage to, or the delay in delivery of baggage or other personal property." In the case of Air Canada, the maximum payout is $1,500 per passenger in the currency of the country where the baggage was processed. To raise that limit, purchase a Declaration of Higher Value for each leg of the trip. The charge is $0.50 for each $100, in which case the payout limit is $2,500. For Delta Air Lines, passengers are entitled to up to $3,800 in baggage compensation, though how much you'll receive depends on your flight. Delta will pay up to $2,080 for delayed, lost, and damaged baggage for international travellers, almost half of what U.S. domestic passengers can claim. If your flight is marked delayed for more than 30 minutes, approach the gate agent and politely request food and hotel vouchers to be used within the airport or nearby. Different air carriers and jurisdictions have their own compensation policies when flights are delayed or cancelled. For example, under European Union rules, passengers may receive up to 600 Euros, even when travelling on a non-EU carrier. Similarly, the DOT states that travellers are entitled to a refund "if the airline cancelled a flight, regardless of the reason, and the consumer chooses not to travel." However, US rules regarding delays are complicated. Some air carriers, such as Air Canada, do not guarantee their flight schedules. They're also not liable for cancellations or changes due to "force majeure" such as weather conditions or labour disruptions. If the delay is overnight, only out-of-town passengers will be offered hotel accommodation. Nevertheless, many airlines do offer some compensation for the inconvenience. If your flight is marked delayed for more than 30 minutes, approach the gate agent and politely request food and hotel vouchers to be used within the airport or nearby. In terms of cash compensation, what you'll get can differ significantly based on things like departure location, time, carrier, and ticket class. The DOT offers a helpful delay and cancellations dashboard designed to keep travellers informed about their compensation rights. The dashboard is particularly helpful because, as the DOT states on its website, "whether you are entitled to a refund depends on a lot of factors—such as the length of the delay, the length of the flight, and your particular circumstances." The Canadian Transportation Agency is proposing air passenger protection regulations that guarantee financial compensation to travellers experiencing flight delays and cancellations, with the level of compensation varying depending on the situation and how much control the air carrier had. The proposed regulations include the following: The airline is obligated to complete the passenger's itinerary. If the new ticket is for a lower class of service, the air carrier would have to refund the cost difference; if the booking is in a higher class of service, passengers cannot be charged extra. If the passenger declines the ticket, the airline must give a full refund, in addition to the prescribed compensation. For overnight delays, the air carrier needs to provide hotel accommodation and transportation free-of-charge. Again, if you are unsatisfied, the Canadian Transportation Agency or Department of Transportation may advocate on your behalf. Passengers get bumped because airlines overbook. When this happens, the air carrier must compensate you. For international flights in the US, the rate is 200% of your one-way fare to your final destination, with a $675 maximum. If the airline does not make travel arrangements for you, the payout is 400% of your one-way fare to a maximum of $1,350. To qualify, you must check-in by the stated deadline, which on international flights can be up to 3 hours ahead. Keep in mind that if you accept the cash, you are no longer entitled to any further compensation, nor are you guaranteed to be rebooked on a direct flight or similar type of seat. Don't be too quick to give up your boarding pass. Negotiate for the best compensation deal that would include cash, food and hotel vouchers, flight upgrade, lounge passes, as well as mileage points. But avoid being too greedy—if the gate attendant is requesting volunteers and you wait too long, you'll miss the offer. According to Air Canada's tariff, if a passenger is involuntarily bumped, they'll receive $200, in cash or bank draft, for up to a two-hour delay; $400 for a 2-6 hours delay; and $800 if the delay is over six hours. (Air Canada was forced to raise its payouts in 2013 due to passenger complaints.) The new rules would raise the payout significantly: $900 for up to six hours; $1,800 for 6-9; and $2,400 for more than nine hours, all to be paid within 48 hours. Statistically speaking, Delta Airlines is the carrier most likely to bump. A few years ago, Delta raised its payout maximum to $9,950, while United Airlines tops out at $10,000. This story was produced by Money.ca and reviewed and distributed by Stacker. Get local news delivered to your inbox!

Heavy travel day starts with brief grounding of all American Airlines flightsAppointment leverages Kilb's extensive experience establishing a presence in new markets, overseeing organization growth and securing enterprise sales, most immediately at Option3's ENIGMA Zero Trust platform as its first Chief Strategy Officer. POTOMAC FALLS, Va. , Dec. 9, 2024 /PRNewswire/ -- Option3 , a cybersecurity private equity specialist with a deep heritage in U.S. national security, has appointed Karl P. Kilb III as Operating Partner, also naming him Chief Strategy Officer (CSO) for its new ENIGMA Zero Trust platform. Kilb's 30+ years' experience in the technology sector includes 22 years at Bloomberg LP, where he served as its first General Counsel, a position he held for more than 15 years. Kilb established the firm's global legal department, assisting in developing and marketing Bloomberg's products worldwide, including the negotiation of major enterprise sales. As the company grew rapidly, Kilb also played a broader role in organization building, identifying and adding new content, and protecting intellectual property, as well as mergers & acquisitions that helped fuel Bloomberg's emergence as a global technology leader. Kilb's experience since leaving Bloomberg includes founding and leading companies in cybersecurity, identity, and media, always with a focus on data and analytics. "Karl brings Option3 a unique range of experiences essential to introducing new technologies and products in the market, having been responsible for scaling enterprise-wide sales and aggressively securing intellectual property and other rights," said Manish Thakur , Option3's Managing Partner. "His focus on cybersecurity, identity and analytics allows him to make an immediate impact as Option3 enters a period of rapid growth. Our recent acquisition of Onclave Networks is the first of many by our new Zero Trust platform. Karl's prior experience in closing agreements, integrating acquisitions, and enabling rapid revenue growth, makes him a rare and invaluable addition to our team." "Option3 is at the forefront of addressing difficult cybersecurity challenges that America must get right – from critical infrastructure to the automotive sector, and more broadly to areas like cyber insurance," Kilb said. "My experience establishing new sectors aligns with this mission. I'm eager to accelerate ENIGMA's success at a time when the adoption of Zero Trust must be a priority for companies and our country." Option3 focuses on creating mid-market cybersecurity platforms scaling them as the champions of the future. It combines decades of expertise in private investing with a deep understanding of cybersecurity trends and priorities gained in the national security sector. The ENIGMA platform offers security against threats arising from Operational Technology (OT) and IoT networks with solutions that are exclusively Zero Trust. It builds on investments made by Option3 in Zero Trust long before President Biden's Executive Order mandating the federal government adopt it. With ENIGMA's foundational technology being deployed by organizations such as NATO, the White House Communications Agency, the Defense Health Agency, ENIGMA is perfectly positioned to address commercial markets, with an early focus on healthcare, a priority market for both Option3 and ENIGMA. "Karl's career exemplifies the rare ability to blend legal, operational, and strategic expertise to drive technology innovation and business growth," said Michael Schoenbach , a senior advisor at Option3. "His leadership will be instrumental as we expand ENIGMA's capabilities and ensure its technologies are at the forefront of solving some of the most complex cybersecurity challenges facing critical industries today." Beyond Bloomberg, Kilb has guided early-stage technology companies in cybersecurity, identity, data, and media, co-founding ventures in faith-based and educational content. He is an active mentor and speaker on legal and entrepreneurial issues, teaching and serving as Chairman and Co-Founder of the Entrepreneurial Law Advisory Council at Fordham University School of Law since 2014 and a board member of NYU's Lawyers' Alumni Mentoring Program since its inception in 1997. About Option3 Option3 is a specialist cybersecurity private equity firm based in New York and Reston, Virginia that combines experience from the classified world of U.S. national security with decades of experience in private investing, capital markets, and mergers & acquisitions. Since 2016, Option3 has invested in a variety of innovative companies across the cyber ecosystem, through a number of investment portfolios focusing early in such areas as threat intelligence, operational technology and Zero Trust. With a team that spans the C-suite, Option3 seeks control positions in mid-market companies that it can help build into the champions of the future. Option3's investment strategy is informed by its longstanding Technology Board, which spans the former Chief Information Officer of the CIA to the former CIO at Department of Defense, and a Capital Board of leading financiers. Option3 operates its Cyber TRUSTTM index, one of the only equity indices comprised purely of companies engaged in cybersecurity. For more information, please visit www.option3.com . About ENIGMA ENIGMA is a next generation American cybersecurity platform that seeks to protect against threats arising from beyond traditional Information Technology, particularly the large installed base of devices in Operational Technology and Internet-of-Things. ENIGMA solutions are exclusively based on Zero Trust, a paradigm in security that regards every user, device, and component as untrusted, regardless of whether they are inside or outside the network. The platform was originally created out of investments in purpose-built Zero Trust companies made by cybersecurity private equity specialist, Option3. ENIGMA launched in August 2024 with its foundational acquisition of one of these companies, Onclave Networks, which uses Zero Trust principles and methods developed by the U.S. Department of Defense to secure IT networks from the world of Operational Technology and IoT. Onclave was recently awarded the first ever Authority to Operation (conditional) ever given by any federal agency for Zero Trust architecture, with its products now being deployed at the White House Communications Agency, Defense Health Agency and NATO, with planned deployments spanning from U.S. hospital networks to the global auto sector. SOURCE Option3

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Radhika Vekaria spoke about her Grammy nomination for her ‘Warriors of Light’ album, which is up for “Best New Age, Ambient or Chant Album.” Should she win, this could make Radhika the first woman of Indian descent to claim this award, thus cementing her place as a trailblazer in the contemporary music landscape. Congrats on your Grammy nomination for Warriors of Light! How did that feel? Thank you so much! It’s truly a surreal feeling. If someone had told me a few years ago that the music of the ancients would be embraced this way, I might not have believed it. Warriors of Light has given me so much during the journey of its creation, so to see it honored in this way feels deeply humbling. These vibrations are far greater than my small life here, and I feel privileged to play a part in sharing them during our times. What inspires your music and songwriting? Devotional music and mantra have been with me since I was a baby. While I could say the inspiration is innate, I had to first give myself permission to share it. These practices are incredibly personal—they’ve been my source of healing and strength for years. The essence of my songwriting is love. I want to offer the philosophies that have loved me to others. Through this music, I get to love people unbounded. The sounds get us out of our minds. If it can help even one person find a little more freedom or peace within, then the purpose of the music is fulfilled. How did the album come about? Were you going for a certain theme? The album is the culmination of many things in my life, with a central theme of overcoming . In 2020, we collectively faced an immense challenge. We were forced to confront our understanding of the world, and many began asking the ultimate question: “What am I here for?” It’s a question born out of turmoil—whether personal or collective. Spirituality is less a passive path but an active pursuit towards something, and mostly our Self Realization. Growth often follows these tough times. I wanted to create music that doesn’t just heal but also empowers and inspires resilience. We need that strength now more than ever. What’s your personal favorite song on the album and why? That’s such a difficult question because each piece holds profound meaning for me. I honestly couldn’t choose—you’d have to tell me your favorite instead! For sentimental reasons, the Hanuman Chalisa holds a special place in my heart. My mother used to sing it to me as a child, and that memory carries a sweetness I hold close. How does it feel to be a part of the digital age, with streaming, technology, and social media being so prevalent? It’s a double-edged sword. The ability to reach so many people is a gift, but it also comes with its challenges. I can feel the strain it places on our nervous systems, even in something as simple as constant texting. For me, nothing compares to being physically present with others, breathing the same air and sharing the same space. Yet, the digital age allows us to connect in ways that transcend distance—it reveals a global community of people who resonate with you deeply. That’s a beautiful discovery, and it makes us feel a little less alone. I like to feel the digital age is part of us rather than the other way around. It’s more empowering right? What do your plans for the future include? Touring across the U.S. and Europe is at the forefront. I’m also thrilled to be releasing a new album next year in collaboration with Grammy-winning composer and violinist Nathalie Bonin. It’s an exciting new direction for me, and I can’t wait to share it. Which artists would you like to collaborate with someday? I’d love to sing with Andrea Bocelli—his voice is otherworldly. Also, Mariah Carey —what a legend! I used to sing her songs every day as a child. Those would be dream collaborations. What does the word “success” mean to you? At night, a warm bed. In the day, the freedom to determine my own day. Overall, when the peaceful moments outweigh the tumultuous ones. That’s success in its truest form. “Warriors of Light’ is available on Spotify by clicking here . To learn more about Grammy-nominated artist Radhika Vekaria, follow her on Instagram . Markos Papadatos is Digital Journal's Editor-at-Large for Music News.Papadatos is a Greek-American journalist and educator that has authored over 22,000 original articles over the past 18 years. He has interviewed some of the biggest names in music, entertainment, lifestyle, magic, and sports. He is a 16-time "Best of Long Island" winner, where for three consecutive years (2020, 2021, and 2022), he was honored as the "Best Long Island Personality" in Arts & Entertainment, an honor that has gone to Billy Joel six times.World News | Entrepreneurs in Fintech, AI Get Awards at Indo-European Business Forum

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OTTAWA, Ontario (AP) — One of the most prominent figures from Canada’s trucker protests against COVID-19 restrictions in 2022 has been found guilty on five counts including mischief and disobeying a court order. A judge ruled Friday that Pat King was guilty on one count each of mischief, counseling others to commit mischief and counseling others to obstruct police. He was also found guilty on two counts of disobeying a court order. He could face up to 10 years in prison. Hundreds, sometimes thousands, of protesters clogged the streets of the capital, Ottawa, and besieged Parliament Hill for three weeks in early 2022, demonstrating against vaccine mandates for truckers and other precautions and condemning Prime Minister Justin Trudeau’s Liberal government. Members of the self-styled Freedom Convoy also blockaded U.S.-Canada border crossings in protest. The prosecution alleged King was a protest leader who was instrumental to the disruption in Ottawa. The prosecution alleged King coordinated the repeated bouts of honking, ordering the protesters to lay on the horn every 30 minutes for 10 minutes at a time, and told people to “hold the line” when he was aware that police and the city had asked the truckers to leave. RELATED COVERAGE Winston Churchill portrait returns to Ottawa after international art caper Ullmark stars in Ottawa debut, Senators beat the Stanley Cup champion Panthers 3-1 Senators reach a deal to build a new arena in downtown Ottawa The prosecution’s case relied mainly on King’s own videos, which he posted to social media throughout the protest to document the demonstration and communicate with those taking part. King’s lawyers argued that he was peacefully protesting and was not one of the demonstration’s leaders. King was found not guilty on three counts of intimidation and one count of obstructing police himself. The truckers’ convoy gridlocked downtown streets around Parliament Hill, with area residents complaining about the fumes from diesel engines running non-stop, and unrelenting noise from constant the honking of horns and music from parties. Trudeau’s government ultimately invoked the Emergencies Act to try and bring an end to the protests. Ottawa Police brought in hundreds of officers from forces across Canada. The protests were first aimed at a COVID-19 vaccine mandate for cross-border truckers. They eventually encompassed fury over COVID-19 restrictions and dislike of Trudeau, reflecting the spread of disinformation in Canada and simmering populist and right-wing anger. The Freedom Convoy shook Canada’s reputation for civility, inspired convoys in France, New Zealand and the Netherlands and interrupted economic trade. For almost a week the busiest U.S.-Canada border crossing between Windsor, Ontario, and Detroit was blocked. It carries more than 25% of trade between the countries, who are each other’s largest trading partners.How imposing Canucks forward Dakota Joshua can regain his swagger after shocking cancer surgery

Satellite imagery from the National Remote Sensing Centre (NRSC) is set to play a pivotal role in safeguarding lakes and government lands in Telangana, said HYDRAA commissioner A.V. Ranganath on Tuesday. During a visit to the NRSC office in Balanagar, Ranganath held discussions with NRSC director Prakash Chauhan and deputy director Srinivas, on the use of decades-old high-resolution satellite images for mapping and conservation efforts. The commissioner highlighted that NRSC’s satellite technology would aid in accurately identifying Full Tank Levels (FTL), buffer zones, and potential flood-prone areas. These images, combined with data from the Survey of India, the Survey of Telangana, and rural maps, will provide comprehensive insights into submerged zones during floods, water canal heights, and the capacity of lakes to manage excess rainfall. The focus is on recorded rainfall data spanning from 1973 to 2024. “By leveraging satellite imagery, we can better assess encroachments on lakes, government properties, parks, roads, and canals. This advanced data will guide conservation strategies,” Ranganath explained. He also invited NRSC director Prakash Chauhan to join the Lake Protection Committee. Chauhan expressed his willingness to contribute to the panel, which focuses on preserving urban water bodies and mitigating encroachments. In a separate meeting at HYDRAA headquarters, the commissioner reviewed lake conservation measures within the Outer Ring Road (ORR) area. Representatives from multiple departments, including irrigation, revenue, GHMC, and HMDA, participated in discussions on improving coordination for lake preservation across Hyderabad, Rangareddy, Medchal-Malkajgiri, and Medak districts. Ranganath stressed the importance of inter-departmental collaboration in enforcing protocols related to FTL and buffer zones. He urged officials to ensure transparency and uniformity in their procedures to avoid disputes. “Determining FTL and buffer zones must follow a consistent process, leaving no room for ambiguity,” he stated.

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LAS VEGAS — Miles Bird scored 18 points and Jared Coleman-Jones added 16 to help San Diego State edge No. 6 Houston 73-70 in overtime in the third place game of the Players Era tournament Saturday night. Nick Boyd added 14 points and freshman Pharoah Compton 13 for the Aztecs (4-2). Bird made two free throws with 13.4 seconds left in regulation to tie the game at 65. Emanual Sharp missed a baseline jumper with 1 second remaining and the game went to overtime. San Diego State built a five-point advantage in OT, but L.J. Cryer hit a 3-pointer to cut the lead to 72-70. Magoon Gwath made one of two free throws with 12 seconds left to make it a three-point game. Cryer had a chance to tie it, but missed a 3-pointer with 2 seconds left. Sharp finished with 23 points and Cryer added 21. Takeaways Houston: The Cougars only had seven points from their bench and had only two players score in double-figures. San Diego State: The Aztecs were outrebounded in the first half 24-15, but won the rebounding battle in the second half 18-16. Houston guard Milos Uzan, top left, fouls San Diego State guard Nick Boyd (2) while Houston forward Joseph Tugler, right, defends during the second half of an NCAA college basketball game Saturday, Nov. 30, 2024, in Las Vegas. Credit: AP/Ian Maule Key moment Starting Boyd was held scoreless until the 9:02 mark of the second half, but hit a layup and two 3-pointers to cut a the Cougars lead to 54-52. Boyd scored 15 on Wednesday against Oregon and averages 13.2 points per game. Key stat The Aztecs shot 40 percent for the game against one of the top defensive teams in the country. Up next Houston will host Butler on Dec. 7. Butler won the Arizona Tip Off title by beating No. 25 Mississippi State, 87-77, on Friday night. San Diego State will open Mountain West Conference play on Dec. 4 at Fresno State.Article content GREEN BAY, Wis. — Even though their long-shot hopes of winning the NFC North have vanished, the playoff-bound Green Bay Packers believe they can make a legitimate run at their first Super Bowl appearance since their 2010 championship season. A rapidly improving defense gives them ample reason for confidence. The Packers (11-4) followed up a seven-sack performance in a 30-13 victory at Seattle by producing the first shutout of the NFL season, a 34-0 playoff-clinching blowout of the New Orleans Saints on Monday night. Green Bay delivered its first shutout since a 17-0 triumph over Seattle in 2021 and its most lopsided victory since a 55-14 rout of the Chicago Bears in 2014. “We’ve noticed all along that the defense is a lot different this year, and they’ve been making some big-time plays all along,” quarterback Jordan Love said. “But any time you can hold anybody to zero points in the National Football League is pretty awesome.” The Packers were seeking to produce a championship-caliber defense to go along with their dynamic offense when they fired Joe Barry as coordinator in the offseason and replaced him with former Boston College coach Jeff Hafley. Green Bay switched from a 3-4 scheme to a 4-3, with Hafley emphasizing the need to produce more big plays. Green Bay has done just that by collecting 28 takeaways — 10 more than it had all of last year — to match the NFL’s third-highest total. The Packers haven’t forced this many turnovers since 2011, when they had 38 takeaways. That’s not the only area in which the defense has made strides. Green Bay is allowing just 19.1 points per game to rank sixth in the league in scoring defense. The Packers haven’t finished a season among the top six teams in scoring defense since their 2010 title run, when they yielded just 15 points per game to rank second. The Packers are giving up 312.1 yards per game for the league’s seventh-best total. That also puts them on pace for their highest season-ending rank since 2010, when they finished fifth in total defense. “We’re all working together, and we’ve just got some nice playmakers,” linebacker and rookie second-round pick Edgerrin Cooper said. The Packers have given up as many as 20 points just once in their last six games, a 34-31 defeat at Detroit on Dec. 5. That is the only time Green Bay has lost during that stretch. Whether this kind of success can carry over to the playoffs remains uncertain. The Packers’ shutout performance came against a New Orleans offense that was starting rookie fifth-round draft pick Spencer Rattler at quarterback in place of the injured Derek Carr and was missing five-time Pro Bowl running back Alvin Kamara. Green Bay’s defense faces a much tougher task Sunday night against the Minnesota Vikings (13-2), who beat the Packers 31-29 at Lambeau Field on Sept. 29. This will mark the first time in the series’ 64-year history that both teams had at least 11 wins when they face off. The Packers are eager to see what they can do against another team headed for the playoffs as their defense gears up for another postseason. “We can do whatever we want to do,” defensive lineman Kenny Clark said. “We write our own story at the end of the day. We’ve just got to keep on building.” What’s working Green Bay outrushed New Orleans 188-67 and improved its season total to 2,209 yards rushing. The Packers haven’t rushed for that many yards in a season since 2003, when they had 2,558. ... The pass rush has produced 16 sacks over Green Bay’s last four games. ... Green Bay is outscoring teams 102-34 in the first quarter. ... The Packers didn’t give up a sack Monday and have allowed just five over their last eight games. That represents the fewest sacks the Packers have given up over an eight-game stretch within a single season since 2004. What needs work Penalties remain a bit of an issue. The Packers were penalized six times for 60 yards. Stock up Love has thrown eight touchdown passes without an interception over his last five games. ... RB Josh Jacobs has run for a touchdown in six straight games. His 13 TD runs this season are a career high. ... K Brandon McManus made field goals from 55 and 46 yards to improve to 16 of 17 this season. His 55-yarder was a season long. ... S Zayne Anderson had his first career interception in his first career start. ... DL Brenton Cox Jr. has three sacks over his last four games. Stock down There really aren’t any candidates for this category, considering the Packers produced their biggest victory margin in a decade. Injuries Packers coach Matt LaFleur offered an encouraging update on WR Christian Watson, who hurt a knee against the Saints. “We got good news on him, so more just a bruise. ... So we’ll see how he practices this week and see where we’re at,” LaFleur said Tuesday. ... CB Jaire Alexander (knee) missed a fifth straight game. S Javon Bullard (ankle), S Evan Williams (quadriceps) and LB Quay Walker (ankle) also didn’t play. Key number 30 — The Packers have scored at least 30 points in each of their last five games. That represents the second-longest string of games with 30-plus points in franchise history. Green Bay had seven such straight games in 1963. Next steps The Packers close the regular season with two divisional games, visiting Minnesota on Sunday before hosting the Bears (4-11). 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Designed to simplify the trading process, it caters to both beginners and seasoned traders, helping them work toward their financial goals efficiently and effectively. How Swap ProAir 400 Platform Operates The Swap ProAir 400 Platform employs an advanced algorithm to analyze market data and execute trades in alignment with user-defined parameters. Its AI technology dynamically adjusts to evolving market conditions, striving to deliver optimal outcomes for its users. Key Features: • Demo Trading Account: Perfect for beginners to practice and understand the platform without risking real money. • Beginner-Friendly Interface: Simplifies trading for novice users with intuitive design and easy navigation. • Fast Withdrawals: Ensures users have quick access to their funds when needed. • Strong Security Measures: Prioritizes user data and transaction safety with robust security protocols. Is Swap ProAir 400 Platform Legitimate or a Scam? After extensive research and analysis, it is evident that the Swap ProAir 400 Platform is a legitimate and reliable trading tool. Tested by traders, the platform has consistently delivered promising results, making it a trusted option for those looking to automate their trading strategies. Key Details: • Minimum Deposit Requirement: To activate an account, users need to deposit a minimum of $250. The platform supports multiple payment methods and does not charge any deposit fees. • Customer Support: Swap ProAir 400 offers 24/7 customer support via phone and email, ensuring users can address any questions or concerns at any time. These features, along with its proven track record, position the platform as a credible choice for traders. Deposit Funds Traders can activate their Swap ProAir 400 Platform account by funding it with a minimum deposit of $250. The platform supports various payment methods, ensuring flexibility and secure transactions. Additionally, there are no deposit fees, providing a cost-effective start for users. Utilize the Demo Account The Swap ProAir 400 Platform recommends that users begin with a demo account to familiarize themselves with its features. This enables traders to explore the platform’s capabilities and test its functionality without putting real money at risk. Commence Trading After gaining confidence through the demo account, users can seamlessly transition to live trading on the Swap ProAir 400 Platform. The platform’s advanced AI algorithm will execute trades automatically, aligning with the user’s predefined preferences and adapting to real-time market conditions. Withdraw Funds Traders have the flexibility to withdraw their funds at any time on the Swap ProAir 400 Platform, which ensures fast and efficient processing. Fiat currency withdrawals are completed within 12–24 hours, while cryptocurrency withdrawals are processed instantly, providing users with prompt access to their funds.

India needs to address Dhaka’s concerns, Bangladesh optimistic about good bilateral relations: Foreign Affairs Adviser PTI Updated: November 30th, 2024, 22:04 IST in International , Prime News 0 Share on Facebook Share on Twitter Share on WhatsApp Share on Linkedin Dhaka: Amid an ongoing diplomatic row over the arrest of a Hindu priest, Bangladesh on Saturday said India needs to address Dhaka’s longstanding concerns to improve bilateral ties but remained optimistic about good relations with bilateral interests protected. Bangladesh’s Foreign Affairs Adviser Touhid Hossain also acknowledged that there is a “change in the relations” between the two neighbours after August 5 and said it is a “reality.” Also Read Cyclonic storm ‘Fengal’ begins landfall near Puducherry: IMD 2 hours ago Bangladesh: Three Hindu temples vandalised in Chattogram 9 hours ago India needs to address Bangladesh’s longstanding concerns to improve bilateral ties between Dhaka and New Delhi, Hossain said adding: “Bangladesh’s previous (ousted) government addressed the concerns of India, but India did not address Bangladesh’s concerns.” Deposed prime minister Sheikh Hasina fled to India on August 5 following widespread protests against her Awami League-led government over a controversial job quota system. Three days later, Muhammad Yunus, a Nobel laureate, took over as the Chief Adviser of the interim government. The diplomatic row erupted between India and Bangladesh after Hindu priest Chinmoy Krishna Das, a former member of International Society for Krishna Consciousness (ISKCON), was arrested from Dhaka’s Hazrat Shahjalal International Airport on Monday. Das, the spokesperson for the Bangladesh Sammilita Sanatani Jagran Jote, was denied bail and sent to jail by the Chattogram’s Sixth Metropolitan Magistrate court in a sedition case on Tuesday. It triggered clashes between his supporters and the security personnel that led to the killing of a lawyer. Hossain was speaking at a roundtable titled ‘Bangladesh-India Relations: Expectations, Barriers and Future’ organised by the South Asian Institute of Policy and Governance (SIPG) and the Department of Political Science & Sociology (PSS), North South University here, state-run news agency Bangladesh Sangbad Sangstha (BSS) said. The Foreign Affairs Adviser acknowledged that “there is a change in the relations after August 5,” and said, “This is reality” but remained optimistic about bilateral relationship despite current diplomatic challenges. “Dhaka wants to remain optimistic that we would be able to establish a good relation with India making sure that bilateral interests are protected,” BSS said quoting Hossain. He emphasised the importance of a national consensus on foreign policy, saying Bangladesh could not fully capitalise its potentials due to political divisions. Following this week’s anti-Hindu incidents — including Das’ arrest and attacks on Hindu temples and community members — India on Friday said the interim government in Bangladesh must live up to its responsibility of protecting all minorities as it expressed serious concern over the “surge” of extremist rhetoric and increasing incidents of violence against Hindus as well as attacks on temples. External Affairs Minister S Jaishankar told Parliament that India has taken serious note of incidents of violence against minorities in Bangladesh and that it is the primary responsibility of Dhaka to protect the life and liberty of all the citizens, including minorities. On the other hand, Bangladesh on Friday expressed deep concern over the violent protest at the Deputy High Commission in Kolkata and urged New Delhi to ensure the safety of all its diplomatic missions in India. Among other issues, Hossain also pointed out that there has been no progress on crucial issues between Bangladesh and India such as the Teesta water sharing agreement or the troubling problem of border killings, the BSS added. PTI Tags: Bangladesh India Share Tweet Send Share Suggest A Correction Enter your email to get our daily news in your inbox. Leave this field empty if you're human:Revolutionizing Digital Access: Why Passkeys Are the Key to a Safer Online World - Tech Guide

New undersea cable set to speed up Pakistan’s internet New system aims to improve connectivity and address long-standing complaints of slow internet speeds KARACHI: A major undersea internet cable is being laid, which is expected to considerably enhance internet speed and reliability. The project falls under the 2Africa Submarine Cable System, facilitated by the Pakistan Telecommunication Authority (PTA) through the Transworld Associate (TWA) as the landing party for the cable in Pakistan. The 2Africa cable, stretching 45,000 kilometres, connects 46 locations across Africa, Europe, and the Middle East, with the use of state-of-the-art SDM1 technology with a capacity of 180Tbps. Supported by a global consortium that includes Meta and Vodafone, the cable is expected to go live in Pakistan by Q4 2025, PTA announced in a press release. Installation started on December 1, 2024, as the first phase of the work, Pre-Lay Shore End (PLSE) installation included the cable landing at Hawksbay, Karachi. The second phase deep-sea laying of the cable is planned to start on April 1, 2025. Once operational the cable will provide Pakistan with 24 terabytes of bandwidth. The 45,000-kilometre cable is being installed by a French company, Geo News reported. Currently, Pakistan relies on approximately 8 terabytes of bandwidth provided by seven existing cables. The new system, connecting the African region to Pakistan, aims to improve connectivity and address long-standing complaints of slow internet speeds. The enhanced bandwidth will also improve the performance of platforms such as Facebook, WhatsApp, and Instagram. “Temporarily, for a few weeks, we faced limited internet issues in certain areas, but these have now largely been resolved,” P@SHA Chairman Sajjad Mustafa Syed said while speaking on Geo News’ programme “Geo Pakistan”. He explained that while the new cable is not yet active, it is expected to be operational next year. Syed also highlighted that four additional major internet lines, including support for 5G, are in the pipeline and will permanently resolve connectivity issues. “Infrastructure requires support in every area, we need 5G because of bandwidth congestion, and we also need fibre connectivity for our mobile towers. Moreover, linkages with international cables and internet networks are essential Work is ongoing on all these fronts. The announcement for 5G has been made, fibre connectivity will follow, and with the four additional cables expected next year, our capacity will nearly double. This will ensure that our internet connectivity and infrastructure are adequately set up for the next two to five years,” he concluded.Middlesex resident loses $45,000 in crypto-currency scam: OPP

Updated Lineup For CZW Cage Of Death XXIINissan and Honda to attempt a merger that would create the world's No. 3 automaker TOKYO (AP) — Japanese automakers Nissan and Honda have announced plans to work toward a merger that would catapult them to a top position in an industry in the midst of tectonic shifts as it transitions away from its reliance on fossil fuels. The two companies said they signed an agreement on integrating their businesses on Monday. Smaller Nissan alliance member Mitsubishi Motors agreed to join the talks. News of a possible merger surfaced earlier this month. Japanese automakers face a strong challenge from their Chinese rivals and Tesla as they make inroads into markets at home and abroad. What a merger between Nissan and Honda means for the automakers and the industry BANGKOK (AP) — Japanese automakers Honda and Nissan will attempt to merge and create the world’s third-largest automaker by sales as the industry undergoes dramatic changes in its transition away from fossil fuels. The two companies said they had signed a memorandum of understanding on Monday and that smaller Nissan alliance member Mitsubishi Motors also had agreed to join the talks on integrating their businesses. Honda will initially lead the new management, retaining the principles and brands of each company. Following is a quick look at what a combined Honda and Nissan would mean for the companies, and for the auto industry. Nordstrom to be acquired by Nordstrom family and a Mexican retail group in $6.25 billion deal Century-old department store Nordstrom has agreed to be acquired and taken private by Nordstrom family members and a Mexican retail group in a $6.25 billion deal. Nordstrom shareholders will receive $24.25 in cash for each share of Nordstrom common stock, representing a 42% premium on the company’s stock as of March 18. Nordstrom’s board of directors unanimously approved the the proposed transaction, while Erik and Pete Nordstrom — part of the Nordstrom family taking over the company — recused themselves from voting. Following the close of the transaction, the Nordstrom Family will have a majority ownership stake in the company. An analyst looks ahead to how the US economy might fare under Trump WASHINGTON (AP) — President-elect Donald Trump won a return to the White House in part by promising big changes in economic policy — more tax cuts, huge tariffs on imports, mass deportations of immigrants working in the United States illegally. In some ways, his victory marked a repudiation of President Joe Biden’s economic stewardship and a protest against inflation. It came despite low unemployment and steady growth under the Biden administration. What lies ahead for the economy under Trump? Paul Ashworth of Capital Economics spoke recently to The Associated Press. The interview has been edited for length and clarity. American consumers feeling less confident in December, Conference Board says American consumers are feeling less confident in December, a business research group says. The Conference Board said Monday that its consumer confidence index fell back in December to 104.7 from 112.8 in November. Consumers had been feeling increasingly confident in recent months. The consumer confidence index measures both Americans’ assessment of current economic conditions and their outlook for the next six months. The measure of Americans’ short-term expectations for income, business and the job market tumbled more than a dozen points to 81.1. The Conference Board says a reading under 80 can signal a potential recession in the near future. Stock market today: Wall Street rises at the start of a holiday-shortened week Stocks closed higher on Wall Street at the start of a holiday-shortened week. The S&P 500 rose 0.7% Monday. Several big technology companies helped support the gains, including chip companies Nvidia and Broadcom. The Dow Jones Industrial Average added 0.2%, and the Nasdaq composite rose 1%. Honda's U.S.-listed shares rose sharply after the company said it was in talks about a combination with Nissan in a deal that could also include Mitsubishi Motors. Eli Lilly rose after announcing that regulators approved Zepbound as the first prescription medicine for adults with sleep apnea. Treasury yields rose in the bond market. The internet is rife with fake reviews. Will AI make it worse? Researchers and watchdog groups say the emergence of generative artificial intelligence tools that allow people to efficiently produce detailed and novel online reviews has put merchants, service providers and consumers in uncharted territory. Phony reviews have long plagued many popular consumer websites, such as Amazon and Yelp. But AI-infused text generation tools enable fraudsters to produce reviews faster and in greater volume, according to tech industry experts. The deceptive practice is illegal in the U.S. and becomes a bigger problem for consumers during the holiday shopping season, when many people rely on reviews to buy gifts. A tech company and watchdog group that uses software to detect fake reviews says AI-generated reviews have multiplied. Romanian lawmakers narrowly approve new pro-European coalition during period of political turmoil BUCHAREST, Romania (AP) — Romanian lawmakers have voted narrowly in favor of a new pro-European coalition government led by incumbent Prime Minister Marcel Ciolacu. The move on Monday could usher in an end to a protracted political crisis in the European Union country following the annulment of a presidential election. Parliament approved the new administration in a 240-143 vote in the 466-seat legislature. The new coalition is made up of the leftist Social Democratic Party, the center-right National Liberal Party, the small ethnic Hungarian UDMR party and national minorities. President Klaus Iohannis swore in the new government on Monday night. Government regulators close investigation into Ford Focus recalls Government safety regulators are closing an investigation into two previous recalls of the Ford Focus after determining that Ford Motor Co. has satisfied its concerns. Ford recalled around 1.5 million Ford Focus sedans from the 2012-2018 model years in 2018 because they could lose power. The issue was a malfunctioning canister purge valve and software that didn’t adequately detect when it was stuck open. Ford fixed the software in two separate recalls, but after cars continued to stall, the government opened an inquiry last year. Earlier this fall, Ford offered to replace the canister purge valve on all of the vehicles, satisfying regulators' concerns. AI will eavesdrop on world's wildest places to track and help protect endangered wildlife PUERTO JIMÉNEZ, Costa Rica (AP) — A biologist hid 350 audio monitors across Costa Rica’s tropical rainforests to spy on endangered spider monkeys in order to help protect them. But she had to go back to collect the data and feed those sounds into artificial intelligence systems that can recognize monkey calls. Now tech giant Microsoft's philanthropic arm is hoping to supercharge AI-assisted wildlife research with new solar-powered devices that can capture sounds, images and other wilderness data for a year or more without human intervention. Researchers say more AI wildlife surveillance is urgently needed to monitor the health of species at risk of extinction.

ALL-REMOTE COMPANY/WILMINGTON, Del.--(BUSINESS WIRE)--Dec 9, 2024-- Phreesia, Inc. (NYSE: PHR) (“Phreesia” or the "Company") announced financial results today for the fiscal third quarter ended October 31, 2024. "We are excited about the future here at Phreesia,” said CEO and Co-Founder Chaim Indig. “Our network continues to grow, adoption of our current offerings is increasing, and we are beginning to see the promise of new solutions we are investing in.” Please visit the Phreesia investor relations website at ir.phreesia.com to view the Company's Q3 Fiscal Year 2025 Stakeholder Letter. Fiscal Third Quarter Ended October 31, 2024 Highlights Fiscal Year 2025 Outlook We are narrowing our revenue outlook for fiscal 2025 to a range of $418 million to $420 million from a previous range of $416 million to $426 million, implying year-over-year growth of 17% to 18%. We are updating our Adjusted EBITDA outlook for fiscal 2025 to a range of $34 million to $36 million from a previous range of $26 million to $31 million. Our outlook reflects our strong performance in the fiscal third quarter and our continued focus on margin improvement. We are maintaining our expectation for AHSCs to reach approximately 4,200 for fiscal 2025, compared to 3,601 in fiscal 2024. We are maintaining our expectation for Total revenue per AHSC to increase in fiscal 2025 compared to the $98,944 we achieved in fiscal 2024. Fiscal Year 2026 Outlook We are introducing our revenue outlook for fiscal 2026. We expect revenue to be in the range of $472 million to $482 million. The revenue range provided for fiscal 2026 assumes no additional revenue from potential future acquisitions completed between now and January 31, 2026. We are introducing our Adjusted EBITDA outlook for fiscal 2026. We expect Adjusted EBITDA to be in the range of $78 million to $88 million. The Adjusted EBITDA range provided for fiscal 2026 assumes continued improvement in operating leverage across the Company through focusing on efficiency. We expect AHSCs to reach approximately 4,500 in fiscal 2026. Additionally, we expect Total revenue per AHSC in fiscal 2026 to increase from fiscal 2025. We believe our $81.7 million in cash and cash equivalents as of October 31, 2024, along with cash generated in our normal operations, gives us sufficient flexibility to reach our fiscal 2025 and fiscal 2026 outlook. Additionally, our available borrowing capacity under our credit facility with Capital One provides us with an additional source of capital to pursue future growth opportunities not incorporated into our fiscal 2025 and fiscal 2026 outlook. As of October 31, 2024 we have no borrowings outstanding under our credit facility. Non-GAAP Financial Measures We have not reconciled our Adjusted EBITDA outlook to GAAP Net income (loss) because we do not provide an outlook for GAAP Net income (loss) due to the uncertainty and potential variability of Other (income) expense, net and (Benefit from) provision for income taxes, which are reconciling items between Adjusted EBITDA and GAAP Net income (loss). Because we cannot reasonably predict such items, a reconciliation of the non-GAAP financial measure outlook to the corresponding GAAP measure is not available without unreasonable effort. We caution, however, that such items could have a significant impact on the calculation of GAAP Net income (loss). For further information regarding the non-GAAP financial measures included in this press release, including a reconciliation of GAAP to non-GAAP financial measures and an explanation of these measures, please see “Non-GAAP financial measures” below. Available Information We intend to use our Company website (including our Investor Relations website) as well as our Facebook, X, LinkedIn and Instagram accounts as a means of disclosing material non-public information and for complying with our disclosure obligations under Regulation FD. Forward Looking Statements This press release includes express or implied statements that are not historical facts and are considered forward-looking within the meaning of Section 27A of the Securities Act of 1933, as amended and Section 21E of the Securities Exchange Act of 1934, as amended. Forward-looking statements generally relate to future events or our future financial or operating performance and may contain projections of our future results of operations or of our financial information or state other forward-looking information. These statements include, but are not limited to, statements regarding: our future financial and operating performance, including our revenue, operating leverage, margins, Adjusted EBITDA, cash flows and profitability 3; our ability to finance our plans to achieve our fiscal 2025 and fiscal 2026 outlook with our current cash balance and cash generated in the normal course of business; and our outlook for fiscal 2025 and fiscal 2026, including our expectations regarding revenue, Adjusted EBITDA, AHSCs and Total revenue per AHSC. In some cases, you can identify forward-looking statements by the following words: “may,” “will,” “could,” “would,” “should,” “expect,” “intend,” “plan,” “anticipate,” “believe,” “estimate,” “predict,” “project,” “potential,” “continue,” “ongoing,” or the negative of these terms or other comparable terminology, although not all forward-looking statements contain these words. Although we believe that the expectations reflected in these forward-looking statements are reasonable, these statements relate to future events or our future operational or financial performance and involve known and unknown risks, uncertainties and other factors that may cause our actual results, performance or achievements to be materially different from any future results, performance or achievements expressed or implied by these forward-looking statements. Furthermore, actual results may differ materially from those described in the forward-looking statements and will be affected by a variety of risks and factors that are beyond our control, including, without limitation, risks associated with: our ability to effectively manage our growth and meet our growth objectives; our focus on the long-term and our investments in growth; the competitive environment in which we operate; our ability to comply with the covenants in our credit agreement with Capital One; changes in market conditions and receptivity to our products and services; our ability to develop and release new products and services and successful enhancements, features and modifications to our existing products and services; our ability to maintain the security and availability of our platform; the impact of cyberattacks, security incidents or breaches impacting our business; changes in laws and regulations applicable to our business model; our ability to make accurate predictions about our industry and addressable market; our ability to attract, retain and cross-sell to healthcare services clients; our ability to continue to operate effectively with a primarily remote workforce and attract and retain key talent; our ability to realize the intended benefits of our acquisitions and partnerships; and difficulties in integrating our acquisitions and investments; and other general, market, political, economic and business conditions (including from the results of the 2024 U.S. presidential and congressional elections and the warfare and/or political and economic instability in Ukraine, the Middle East or elsewhere). The forward-looking statements contained in this press release are also subject to other risks and uncertainties, including those listed or described in our filings with the Securities and Exchange Commission (“SEC”), including in our Quarterly Report on Form 10-Q for the fiscal quarter ended October 31, 2024 that will be filed with the SEC following this press release. The forward-looking statements in this press release speak only as of the date on which the statements are made. We undertake no obligation to update, and expressly disclaim the obligation to update, any forward-looking statements made in this press release to reflect events or circumstances after the date of this press release or to reflect new information or the occurrence of unanticipated events, except as required by law. This press release includes certain non-GAAP financial measures as defined by SEC rules. We have provided a reconciliation of those measures to the most directly comparable GAAP measures, with the exception of our Adjusted EBITDA outlook for the reasons described above. Conference Call Information We will hold a conference call on Monday December 9, 2024 at 5:00 p.m. Eastern Time to review our fiscal 2025 third quarter financial results. To participate in our live conference call and webcast, please dial (800) 715-9871 (or (646) 307-1963 for international participants) using conference code number 7404611 or visit the “Events & Presentations” section of our Investor Relations website at ir.phreesia.com . A replay of the call will be available via webcast for on-demand listening shortly after the completion of the call, at the same web link, and will remain available for approximately 90 days. About Phreesia Phreesia is a trusted leader in patient activation, giving providers, life sciences companies and other organizations tools to help patients take a more active role in their care. Founded in 2005, Phreesia enabled approximately 150 million patient visits in 2023—more than 1 in 10 visits across the U.S.—scale that we believe allows us to make meaningful impact. Offering patient-driven digital solutions for intake, outreach, education and more, Phreesia enhances the patient experience, drives efficiency and improves healthcare outcomes. Phreesia, Inc. Consolidated Balance Sheets (in thousands, except share and per share data) October 31, 2024 January 31, 2024 (Unaudited) Assets Current: Cash and cash equivalents $ 81,740 $ 87,520 Settlement assets 25,046 28,072 Accounts receivable, net of allowance for doubtful accounts of $1,468 and $1,392 as of October 31, 2024 and January 31, 2024, respectively 71,408 64,863 Deferred contract acquisition costs 362 768 Prepaid expenses and other current assets 11,017 14,461 Total current assets 189,573 195,684 Property and equipment, net of accumulated depreciation and amortization of $87,861 and $76,859 as of October 31, 2024 and January 31, 2024, respectively 25,973 16,902 Capitalized internal-use software, net of accumulated amortization of $53,210 and $45,769 as of October 31, 2024 and January 31, 2024, respectively 51,322 46,139 Operating lease right-of-use assets 1,656 266 Deferred contract acquisition costs 450 986 Intangible assets, net of accumulated amortization of $7,536 and $4,925 as of October 31, 2024 and January 31, 2024, respectively 29,014 31,625 Goodwill 75,845 75,845 Other assets 1,870 2,879 Total Assets $ 375,703 $ 370,326 Liabilities and Stockholders’ Equity Current: Settlement obligations $ 25,046 $ 28,072 Current portion of finance lease liabilities and other debt 8,866 6,056 Current portion of operating lease liabilities 1,021 393 Accounts payable 15,870 8,480 Accrued expenses 29,080 37,130 Deferred revenue 22,188 24,113 Other current liabilities 7,130 5,875 Total current liabilities 109,201 110,119 Long-term finance lease liabilities and other debt 10,292 5,400 Operating lease liabilities, non-current 840 134 Long-term deferred revenue 199 97 Long-term deferred tax liabilities 446 270 Other long-term liabilities 133 2,857 Total Liabilities 121,111 118,877 Commitments and contingencies Stockholders’ Equity: Preferred stock, undesignated, $0.01 par value - 20,000,000 shares authorized as of both October 31, 2024 and January 31, 2024; no shares issued or outstanding as of both October 31, 2024 and January 31, 2024 — — Common stock, $0.01 par value - 500,000,000 shares authorized as of both October 31, 2024 and January 31, 2024; 59,439,197 and 57,709,762 shares issued as of October 31, 2024 and January 31, 2024, respectively 594 577 Additional paid-in capital 1,094,629 1,039,361 Accumulated deficit (795,106 ) (742,969 ) Accumulated other comprehensive loss (5 ) — Treasury stock, at cost, 1,355,169 shares as of both October 31, 2024 and January 31, 2024 (45,520 ) (45,520 ) Total Stockholders’ Equity 254,592 251,449 Total Liabilities and Stockholders’ Equity $ 375,703 $ 370,326 Phreesia, Inc. Consolidated Statements of Operations (Unaudited) (in thousands, except share and per share data) Three months ended October 31, Nine months ended October 31, 2024 2023 2024 2023 Revenue: Subscription and related services $ 49,363 $ 42,595 $ 144,717 $ 119,783 Payment processing fees 24,704 23,218 77,064 71,102 Network solutions 32,733 25,806 88,351 70,409 Total revenues 106,800 91,619 310,132 261,294 Expenses: Cost of revenue (excluding depreciation and amortization) 17,854 15,529 49,720 44,885 Payment processing expense 16,683 15,410 51,648 47,352 Sales and marketing 30,071 36,478 92,266 111,135 Research and development 29,315 28,544 87,738 82,484 General and administrative 19,633 20,240 58,182 61,105 Depreciation 3,566 4,483 11,011 13,231 Amortization 3,521 2,980 10,052 8,003 Total expenses 120,643 123,664 360,617 368,195 Operating loss (13,843 ) (32,045 ) (50,485 ) (106,901 ) Other expense, net (144 ) (47 ) (261 ) (39 ) Interest income, net 26 523 311 2,027 Total other (expense) income, net (118 ) 476 50 1,988 Loss before provision for income taxes (13,961 ) (31,569 ) (50,435 ) (104,913 ) Provision for income taxes (442 ) (372 ) (1,702 ) (1,326 ) Net loss $ (14,403 ) $ (31,941 ) $ (52,137 ) $ (106,239 ) Net loss per share attributable to common stockholders, basic and diluted $ (0.25 ) $ (0.58 ) $ (0.91 ) $ (1.96 ) Weighted-average common shares outstanding, basic and diluted 57,891,591 55,251,074 57,358,637 54,139,555 (1) Our potential dilutive securities have been excluded from the computation of diluted net loss per share as the effect would be to reduce the net loss per share. Therefore, the weighted-average number of common shares outstanding used to calculate both basic and diluted net loss per share attributable to common stockholders is the same. Phreesia, Inc. Consolidated Statements of Comprehensive Loss (Unaudited) (in thousands) Three months ended October 31, Nine months ended October 31, 2024 2023 2024 2023 Net loss $ (14,403 ) $ (31,941 ) $ (52,137 ) $ (106,239 ) Other comprehensive loss, net of tax: Change in foreign currency translation adjustments, net of tax (3 ) — (5 ) — Other comprehensive loss, net of tax (3 ) — (5 ) — Comprehensive loss $ (14,406 ) $ (31,941 ) $ (52,142 ) $ (106,239 ) Phreesia, Inc. Consolidated Statements of Cash Flows (Unaudited) (in thousands) Three months ended October 31, Nine months ended October 31, 2024 2023 2024 2023 Operating activities: Net loss $ (14,403 ) $ (31,941 ) $ (52,137 ) $ (106,239 ) Adjustments to reconcile net loss to net cash provided by (used in) operating activities: Depreciation and amortization 7,087 7,463 21,063 21,234 Stock-based compensation expense 16,525 17,963 49,813 53,749 Amortization of deferred financing costs and debt discount 62 84 174 253 Cost of Phreesia hardware purchased by customers 571 582 1,248 1,232 Deferred contract acquisition costs amortization 1,322 235 1,706 855 Non-cash operating lease expense 207 142 568 484 Deferred taxes 57 39 176 181 Changes in operating assets and liabilities: Accounts receivable (10,141 ) (991 ) (6,558 ) (3,361 ) Prepaid expenses and other assets 1,005 (1,530 ) 4,286 (761 ) Deferred contract acquisition costs (552 ) — (765 ) — Accounts payable 6,948 1,189 5,198 (1,226 ) Accrued expenses and other liabilities (3,655 ) 469 (6,202 ) 6,530 Lease liabilities (202 ) (232 ) (622 ) (884 ) Deferred revenue 954 218 (1,823 ) (1,347 ) Net cash provided by (used in) operating activities 5,785 (6,310 ) 16,125 (29,300 ) Investing activities: Acquisitions, net of cash acquired — (10,406 ) — (14,279 ) Capitalized internal-use software (3,566 ) (4,069 ) (11,112 ) (13,889 ) Purchases of property and equipment (616 ) (1,242 ) (5,919 ) (3,344 ) Net cash used in investing activities (4,182 ) (15,717 ) (17,031 ) (31,512 ) Financing activities: Proceeds from issuance of common stock upon exercise of stock options 17 250 583 925 Treasury stock to satisfy tax withholdings on stock compensation awards — (1,451 ) — (12,176 ) Proceeds from employee stock purchase plan 840 919 2,443 2,782 Finance lease payments (1,895 ) (1,729 ) (5,170 ) (5,156 ) Constructive financing — — — 1,688 Principal payments on financing agreements (304 ) (273 ) (888 ) (318 ) Debt issuance costs and loan facility fee payments — — (152 ) (250 ) Financing payments of acquisition-related liabilities (309 ) — (1,673 ) — Net cash used in financing activities (1,651 ) (2,284 ) (4,857 ) (12,505 ) Effect of exchange rate changes on cash and cash equivalents (10 ) — (17 ) — Net decrease in cash and cash equivalents (58 ) (24,311 ) (5,780 ) (73,317 ) Cash and cash equivalents – beginning of period 81,798 127,677 87,520 176,683 Cash and cash equivalents – end of period $ 81,740 $ 103,366 $ 81,740 $ 103,366 Supplemental information of non-cash investing and financing information: Right of use assets acquired in exchange for operating lease liabilities $ — $ 346 $ 1,958 $ 346 Property and equipment acquisitions through finance leases $ 6,847 $ 371 $ 13,709 $ 7,438 Purchase of property and equipment and capitalized software included in current liabilities $ 3,508 $ 2,911 $ 3,508 $ 2,911 Capitalized stock-based compensation $ 343 $ 309 $ 1,006 $ 1,023 Issuance of stock to settle liabilities for stock-based compensation $ 2,853 $ 3,420 $ 10,679 $ 10,641 Issuance of stock as consideration in business combinations $ — $ 30,645 $ — $ 35,321 Deferred consideration liabilities payable in business combinations $ — $ 10,294 $ — $ 10,294 Capitalized software acquired through vendor financing $ — $ — $ — $ 2,047 Cash paid for: Interest $ 595 $ 295 $ 1,459 $ 649 Income taxes $ 549 $ — $ 2,559 $ 48 Non-GAAP Financial Measures This press release and statements made during the above-referenced webcast may include certain non-GAAP financial measures as defined by SEC rules. Adjusted EBITDA is a supplemental measure of our performance that is not required by, or presented in accordance with, GAAP. Adjusted EBITDA is not a measurement of our financial performance under GAAP and should not be considered as an alternative to net income or loss or any other performance measure derived in accordance with GAAP, or as an alternative to cash flows from operating activities as a measure of our liquidity. We define Adjusted EBITDA as net income or loss before interest income, net, provision for income taxes, depreciation and amortization, and before stock-based compensation expense and other expense, net. We have provided below a reconciliation of Adjusted EBITDA to net loss, the most directly comparable GAAP financial measure. We have presented Adjusted EBITDA in this press release and our Quarterly Report on Form 10-Q to be filed after this press release because it is a key measure used by our management and board of directors to understand and evaluate our core operating performance and trends, to prepare and approve our annual budget, and to develop short and long-term operational plans. In particular, we believe that the exclusion of the amounts eliminated in calculating Adjusted EBITDA can provide a useful measure for period-to-period comparisons of our core business. Accordingly, we believe that Adjusted EBITDA provides useful information to investors and others in understanding and evaluating our operating results in the same manner as our management and board of directors. We have not reconciled our Adjusted EBITDA outlook to GAAP Net income (loss) because we do not provide an outlook for GAAP Net income (loss) due to the uncertainty and potential variability of Other (income) expense, net and (Benefit from) provision for income taxes, which are reconciling items between Adjusted EBITDA and GAAP Net income (loss). Because we cannot reasonably predict such items, a reconciliation of the non-GAAP financial measure outlook to the corresponding GAAP measure is not available without unreasonable effort. We caution, however, that such items could have a significant impact on the calculation of GAAP Net income (loss). Our use of Adjusted EBITDA has limitations as an analytical tool, and you should not consider it in isolation or as a substitute for analysis of our financial results as reported under GAAP. Some of these limitations are as follows: Because of these and other limitations, you should consider Adjusted EBITDA along with other GAAP-based financial performance measures, including various cash flow metrics, net loss, and our GAAP financial results. The following table presents a reconciliation of Adjusted EBITDA to net loss for each of the periods indicated: Phreesia, Inc. Adjusted EBITDA ( Unaudited) Three months ended October 31, Nine months ended October 31, (in thousands) 2024 2023 2024 2023 Net loss $ (14,403 ) $ (31,941 ) $ (52,137 ) $ (106,239 ) Interest income, net (26 ) (523 ) (311 ) (2,027 ) Provision for income taxes 442 372 1,702 1,326 Depreciation and amortization 7,087 7,463 21,063 21,234 Stock-based compensation expense 16,525 17,963 49,813 53,749 Other expense, net 144 47 261 39 Adjusted EBITDA $ 9,769 $ (6,619 ) $ 20,391 $ (31,918 ) We calculate Free cash flow as Net cash provided by (used in) operating activities less capitalized internal-use software development costs and purchases of property and equipment. Additionally, Free cash flow is a supplemental measure of our performance that is not required by, or presented in accordance with, GAAP. We consider Free cash flow to be a liquidity measure that provides useful information to management and investors about the amount of cash generated by our business that can be used for strategic opportunities, including investing in our business, making strategic investments, partnerships and acquisitions and strengthening our financial position. The following table presents a reconciliation of Free cash flow from Net cash provided by (used in) operating activities, the most directly comparable GAAP financial measure, for each of the periods indicated: Phreesia, Inc. Free cash flow ( Unaudited) Three months ended October 31, Nine months ended October 31, (in thousands, unaudited) 2024 2023 2024 2023 Net cash provided by (used in) operating activities $ 5,785 $ (6,310 ) $ 16,125 $ (29,300 ) Less: Capitalized internal-use software (3,566 ) (4,069 ) (11,112 ) (13,889 ) Purchases of property and equipment (616 ) (1,242 ) (5,919 ) (3,344 ) Free cash flow $ 1,603 $ (11,621 ) $ (906 ) $ (46,533 ) Phreesia, Inc. Reconciliation of GAAP and Adjusted Operating Expenses (Unaudited) Three months ended October 31, Nine months ended October 31, (in thousands) 2024 2023 2024 2023 GAAP operating expenses General and administrative $ 19,633 $ 20,240 $ 58,182 $ 61,105 Sales and marketing 30,071 36,478 92,266 111,135 Research and development 29,315 28,544 87,738 82,484 Cost of revenue (excluding depreciation and amortization) 17,854 15,529 49,720 44,885 $ 96,873 $ 100,791 $ 287,906 $ 299,609 Stock compensation included in GAAP operating expenses General and administrative $ 6,049 $ 5,798 $ 18,534 $ 17,423 Sales and marketing 5,431 6,322 16,500 19,850 Research and development 3,793 4,561 11,049 13,002 Cost of revenue (excluding depreciation and amortization) 1,252 1,282 3,730 3,474 $ 16,525 $ 17,963 $ 49,813 $ 53,749 Adjusted operating expenses General and administrative $ 13,584 $ 14,442 $ 39,648 $ 43,682 Sales and marketing 24,640 30,156 75,766 91,285 Research and development 25,522 23,983 76,689 69,482 Cost of revenue (excluding depreciation and amortization) 16,602 14,247 45,990 41,411 $ 80,348 $ 82,828 $ 238,093 $ 245,860 Phreesia, Inc. Key Metrics (Unaudited) Three months ended October 31, Nine months ended October 31, 2024 2023 2024 2023 Key Metrics: Average number of healthcare services clients ("AHSCs") 4,237 3,688 4,157 3,481 Healthcare services revenue per AHSC $ 17,481 $ 17,845 $ 53,351 $ 54,836 Total revenue per AHSC $ 25,207 $ 24,842 $ 74,605 $ 75,063 The definitions of our key metrics are presented below. Additional Information (Unaudited) Three months ended October 31, Nine months ended October 31, 2024 2023 2024 2023 Patient payment volume (in millions) $ 1,081 $ 965 $ 3,340 $ 2,970 Payment facilitator volume percentage 81 % 82 % 81 % 82 % ______________________________ 1 Adjusted EBITDA is a non-GAAP measure. We define Adjusted EBITDA as net income or loss before interest income, net, provision for income taxes, depreciation and amortization, and before stock-based compensation expense and other expense, net. See “Non-GAAP Financial Measures” for a reconciliation of Adjusted EBITDA to the closest GAAP measure. 2 Free cash flow is a non-GAAP measure. We define Free cash flow as net cash provided by (used in) operating activities less capitalized internal-use software development costs and purchases of property and equipment. See “Non-GAAP Financial Measures” for a reconciliation of Free cash flow to the closest GAAP measure. 3 We define “profitability,” discussed herein, in terms of Adjusted EBITDA, a non-GAAP financial measure. See ‘Non-GAAP Financial Measures’ for a definition of Adjusted EBITDA and a reconciliation of our Adjusted EBITDA to Net loss, the closest GAAP measure. View source version on businesswire.com : https://www.businesswire.com/news/home/20241209683231/en/ CONTACT: Investor Relations Contact:Balaji Gandhi Phreesia, Inc. investors@phreesia.com (929) 506-4950Media Contact:Nicole Gist Phreesia, Inc. nicole.gist@phreesia.com (407) 760-6274 KEYWORD: DELAWARE UNITED STATES NORTH AMERICA INDUSTRY KEYWORD: SCIENCE SOFTWARE PRACTICE MANAGEMENT RESEARCH HEALTH HOSPITALS HEALTH TECHNOLOGY TECHNOLOGY SOURCE: Phreesia, Inc. Copyright Business Wire 2024. PUB: 12/09/2024 04:05 PM/DISC: 12/09/2024 04:05 PM http://www.businesswire.com/news/home/20241209683231/enAssociated Bank Welcomes Heath Sorenson as Executive Vice President and Managing Director, Associated Trust Company