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35 jilipark First 12-team CFP set: Oregon seeded No. 1, SMU edges Alabama for final spotPeople thought I only painted horses and lately nudes but this is all wrong. I seek beauty everywhere. I am known as an artist because painting made me famous but there are many other aspects to my life. I am very involved in economics, science and technology. Art constitutes only 10% of my being the rest of me is spread in various other directions. —M.F. Husain Sitting by the atmospherically lit walls of DAG, now adorned with the grandeur of Hussain’s life-size canvases, a young man and woman replicates the lines and forms in their little notebooks. The space, filled with people of all ages reminiscing the times and thoughts that reflected into the maestro’s strokes in varied mediums, becomes a time machine, a place of discourse for generations. This power of convergence is the success of M.F Hussain, appropriately termed by the exhibition as “The Timeless Modernist”. His works can be deciphered by all generations and sensibilities, a juxtaposition of this country’s past and present. His art that reflected life in all of its myriad meanings, of violence and peace, shaped by impulse and autobiography, contributed in an understanding of India that is deeply rooted in its colloquial identity, an antithesis of its colonial past. Born in pre-Independence India, Hussain himself becomes a symbol of the changing times and society; presenting the contradictions and tensions of past and present. Symbolism and metaphors, much like any modernist artist under an oppressive regime or tumultuous time, thus becomes a natural medium of expression for Hussain. Geometric forms, interpreted not only as a signifier as an artist, but with the meticulous calculation of a mathematician, found new meanings as he himself describes in one of his sketches: ‘cowumbrella plus lantern minus a shoe is equal to man plus woman.’ With his profound sensibilities of forms, shapes, symbols, and at the forefront, the Indian-ness in his art, Hussain thus goes on to present a nation’s history in his own, semi surreal form. His willingness for freedom, which made him fin the Bombay Progressive artist’s group, to ‘unBritish Indian art’, creats vivid forms of significant national events, from the Nalli riots in Assam to the Emergency. Portraits of figures who made an impact in his life, from the Mahatma, to Mother Terressa to Indira Gandhi, everyday. Objects, village and city lives, nude bodies, his paintings denote a quest to decipher identity in the artist’s own internal logic. Hussain eliminated and in a way, liberated forms and stories from abundance and extras; he focused on the aura, more than the realism. Going through his paintings, it is hard to pin Hussain on one singular identity. He was a painter of grandiose, yet he possessed subliminal ideas of minimalism. The sketches which he would create spontaneously on a restaurant napkin, calm and fluid, can be seen as a completely different entity of his artistry. The sketches often found their grand presence later when interpretated on a canvas. The female forms, which Hussain had been fascinated with from his days of owning a camera and photographing his maid’s daughter, Butul, finds their presence with depth and vulnerability. His concept of Shakti, which later formulated his sensibilities, making him create his controversial nudes of women, both regular and divine, presents his desire, as well his representation of violence . Hussain’s symbolism, has been of much coding and uncoding. His map contains the tensions of the nation-state. The promise of Independence, the bitter violence of Partition and the communal riots that followed,His horses, claimed by critiques as a bourgeoise element. Horses, being a symbol of the aristrocracy and the ‘other’, which is the oppressive. Yet, his work remains as a material of deciphering when one gets to know the history and upbringing, and ofcourse, his love for cinema which readily shaped his thought. In the seminal exhibition by DAG, “Hussain: the timeless modernist” presents the life of the creator and his changing sensibilities. The exhibition has excerpts from his life, his interests and desires, which is a treasure for any viewer to understand his work. From his days of billboard paintings in the Bollywood, to his poetry, both as words and sketches, to the canvases that depicted war, peace , religion, women and his horses, the exhibition is a capsule of changing sensibilities, time and development, of both a man and a nation.Realty Income ( O -0.77% ) , one of the world's largest real estate investment trusts (REITs), is often considered a dependable dividend stock for conservative investors. But over the past three years, its stock declined about 23% as interest rates rose. Even with reinvested dividends, it delivered a dismal negative total return of 10%. Realty Income lost its luster for a few simple reasons. Rising rates made it more expensive to purchase new properties, and they made its dividends less attractive by driving up the yields of safer CDs, Treasury bills, and other fixed-income investments. Inflation and other macroheadwinds also throttled the growth of some of its top tenants. But as interest rates decline, will Realty Income's stock bounce back over the next three years? Let's review its near-term challenges and long-term catalysts to decide. What happened to Realty Income over the past few years? As a retail REIT, Realty Income purchases a lot of properties, rents them out to businesses, and splits the rental income with its investors. It also needs to distribute at least 90% of its pre-tax income as dividends to maintain a favorable tax rate. Realty Income owns 15,457 properties across the U.S., U.K, and Europe. It mainly leases its properties to recession-resistant retailers, and its top tenants include Dollar General (NYSE: DG) (3.3% of its annualized contracted rent in its latest quarter), Walgreens (NASDAQ: WBA) (3.3%), Dollar Tree (NASDAQ: DLTR) (3.1%), and 7-Eleven (OTC: SVNDY) (2.5%). Some of those tenants -- including Walgreens and Dollar Tree -- have been struggling with store closures over the past few years. Yet Realty's occupancy rate has never dipped below 96% since its initial public offering (IPO) in 1994. That metric also stayed above 98% over the past four years as the growth of its stronger tenants (like Dollar General) offset the issues at its weaker tenants. It also continued to grow its adjusted funds from operations (AFFO) even after it acquired its smaller rival Spirit Realty and bought more properties. Metric 2021 2022 2023 9M 2024 Total Properties 11,136 12,237 13,458 15,457 Occupancy Rate 98.5% 99% 98.6% 98.7% AFFO per share $3.59 $3.92 $4.00 $3.14 Data source: Realty Income. For the full year, Realty Income expects its occupancy rate to remain above 98% and for its AFFO per share to grow 4% to 5%, or $4.16 to $4.21. At $53, Realty's stock trades at less than 13 times the midpoint of that forecast. It also pays a forward dividend yield of 6%. It pays those dividends monthly, and it's raised its payout 128 times since its IPO. What will happen to Realty Income over the next three years? Realty Income's low valuation, high yield, and stable growth should limit its downside potential. However, its upside potential could be limited by elevated interest rates and other macroheadwinds over the next three years. The Fed cut interest rates three times in 2024, but it only expects two rate cuts in 2025. That cautious outlook suggests inflation hasn't been tamed yet, and President-elect Trump's plans to raise tariffs on products from China, Canada, and Mexico once he takes office could exacerbate that pressure. That's why Realty Income and many other leading REITs slumped after the presidential election in November. Yet Realty Income's scale and diversification helped it weather plenty of economic headwinds over the past three decades. It's also been expanding beyond its core market of retail and industrial customers by gaining more data center and gaming tenants. So as long as it keeps buying new properties, maintains a high occupancy rate, and grows its AFFO per share, its stock should bounce back over the next three years. Realty's AFFO per share grew at a compound annual growth rate (CAGR) of 5.7% from 2020 to 2023. Assuming it maintains the same valuation and grows its AFFO per share at a CAGR of 5% from 2023 to 2027, its stock price could rise 20% to $63 by the final year. It should also continue to raise its monthly dividends several times every year. Realty Income and its peers might remain out of favor until there's more visibility into the Fed's future rate cuts and Trump's economic plans, but it's still a great stock to buy and hold for investors who need reliable dividend payments every month.

The Harbour Masters 64 Discord has announced the development of "Starship," a native PC Port of Star Fox 64 subsequently demoed on Twitch and YouTube by Star Fox speedrunner Rakanai. Harbour Masters 64 is the development community behind Ship of Harkinian , a 2022 native PC port of The Legend of Zelda: Ocarina of Time. "Harbour Masters 64 is pleased to announce the development of Starship—a PC port of Star Fox 64 (aka "Lylat Wars")! Led by Sonic Dreamcaster and Samplywx," reads the announcement on the Harbour Masters 64 Discord. "Thanks to the hard work and dedication of many others over the course of several months, we have gotten the game to a state where we feel comfortable showcasing it for you." You've been able to play Star Fox 64 on your PC for many years now via emulation, but native ports represent a new threshold of quality. Emulation is a broad tool that will allow most, if not all, of a console's games to run on PC (or a powerful enough device like a Steam Deck or smartphone) to an acceptable standard. A native port, meanwhile, is a specific effort to make a game run on PC without a demanding emulation layer. Native ports require painstaking decompilation of a game's source code and a great deal of development effort, but result in a far superior experience. Some advantages include: High resolution support without stretching the UI or otherwise compromising the experience. Ultrawide support. Elimination of persistent glitches present in emulation. High framerate support without introducing speedup glitches. Lower system demands. Modding potential. All pretty desirable, exciting stuff, and the beta gameplay shown off by Rakanai is incredibly crisp⁠—N64-era art still holds up remarkably well even at super-high resolutions and fast framerates. What's more, native ports are, like emulation, perfectly legal⁠—you still have to supply your own ROM to run native ports like Starship. In the past, I've found the OpenGOAL native ports of the Jak and Daxter games to be absolutely essential compared to straight up emulation. Rakanai said on-stream that the Starship port of Star Fox 64 is planned to release sometime in December⁠—just in time for everybody's time off for the holidays. The biggest gaming news, reviews and hardware deals Keep up to date with the most important stories and the best deals, as picked by the PC Gamer team.Despite a resounding defeat at the hands of Ronald Reagan in 1980, the Democrat forged a new path promoting causes such as electoral probity abroad, social justice and drives to rid the world of medical conditions. His first foreign visit as president was to the UK where then prime minister James Callaghan, as well as the usual visits in London, took his guest to the North East with a visit to Newcastle, Sunderland and Washington – the village bearing the name of the first ever president. Mr Carter delighted crowds in the North East by saying “Howay the lads” during a speech to the assembled throng. He also received a miner’s lamp from 12-year-old Ian McEree in Washington. The 39th US president also carried out more traditional presidential duties, including meetings with western European leaders during his time in London while the Cold War was still ongoing. The practising Baptist continued his globetrotting ways after leaving power, even without Air Force One as his vehicle. He was also part of the Elders, a group of experienced statesmen and women drawn from all corners of the world.

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I n June, Raman Bhatia walked into the fifth-floor office at Starling Bank’s headquarters in east London with a clean slate. It was set to be an antidote to a turbulent two years steering his former employer, Ovo, through an energy crisis and fines for overcharging customers . At the digital-only challenger bank, where he was taking over from the founder, Anne Boden, things looked more rosy, with a possible stock market listing on the horizon. He began his term by rubbing shoulders with new Labour ministers in No 10’s rose garden , and charming staff during a tour of Starling offices in Cardiff, London and Southampton. But autumn brought the honeymoon to an abrupt end. In October, Starling was hit with a £29m fine for “shockingly lax” financial crime controls , which the City regulator said had left the financial system “wide open to criminals and those subject to sanctions”. It threatened to take a hefty chunk out of Starling’s 2024 profits, and raised questions over the bank’s vehement defence of its customer screening process two years earlier when a former fraud minister challenged the bank’s handling of Covid loan applications. It meant that when Bhatia addressed a London banking conference at the start of December, one of the first questions he was asked was not about Starling’s bright future but its recent failings. Starling once seemed poised for unwavering success. It was part of a trio of online-only neo-banks, alongside Revolut and Monzo, which emerged in the mid-2010s to disrupt traditional banking. Boden, a former Royal Bank of Scotland executive, presented Starling as a grown-up among the upstarts, with 30 years of banking experience and £48m of seed funding from the reclusive Austrian billionaire Harald McPike. Not everyone agreed with her leadership style – as illustrated by a staff rebellion that led to a former colleague launching a rival, Monzo. But in 2016, two years after its launch, Starling clinched a coveted UK banking licence, allowing it to hold its own customers’ deposits and issue lucrative loans. It would take Monzo another year, and Revolut until 2024 , to do the same. And although the pandemic loomed, the government-backed schemes that followed would fuel Starling’s growth: it was among a number of smaller lenders that eagerly queued to distribute bounce-back loans (BBLs). Meant to support businesses during lockdown, banks offered companies loans of up to £50,000 at 2.5% interest, but carried little risk, with taxpayers picking up 100% of losses if borrowers defaulted. Large banks restricted BBLs to their own customers. But challengers such as Starling opened applications to new clients and experienced exponential growth as a result. The bank had only issued £23m of its own loans before the pandemic in November 2019, but had distributed £1.6bn in BBLs by the time the scheme closed in March 2021. Meanwhile, its business customer base swelled from 87,000 to 330,000: equivalent to onboarding 15,000 a month. High street banks, by comparison, were onboarding 1,500 to 8,000 on average. Starling – which had 1,245 staff at the time – credited the feat to its cutting-edge tech. , a feat that the bank – which had 1,245 staff at the time– chalked up to its cutting-edge tech. Within months, it was toasting its first annual profit. Not everyone was celebrating. In May 2022, Lord Agnew, a former Treasury minister with an anti-fraud brief, accused Starling of acting against taxpayers’ interests and using BBLs as a “cost-free marketing exercise to build their loan book and so their company valuation”. He added that the bank was “one of the worst when it came to validating the turnover of businesses or submitting suspicious activity reports”. Boden was incensed. She accused Agnew of making “defamatory statements” and threatened to take legal action against the Tory peer, and said the bank had reported his comments to regulators. She also insisted Starling was one of the “most active and effective banks fighting fraud”. In the background, the Financial Conduct Authority (FCA) had been raising serious concerns about Starling’s financial crime controls. In late 2020, during a sample review of challenger banks, the watchdog said it had “identified several issues” with Starling’s anti-money-laundering and financial sanctions controls, as well as its governance and oversight. But this would not have been news to some, at least, of Starling’s management. In 2018, an internal audit report had identified “several significant gaps” in Starling’s financial crime procedures. However, those shortcoming were not adequately conveyed to either Starling’s board or the regulator, FCA documents said. The regulator flagged “wide-ranging concerns” in a letter to Starling bosses in March 2021, just as the BBL programme was winding down, but further tests found problems in Starling’s client screening. By September, Starling had agreed to a VREQ – or voluntary requirement – that banned it from processing applications for any high-risk customers while it improved controls. Sign up to Observed Analysis and opinion on the week's news and culture brought to you by the best Observer writers after newsletter promotion Months passed. In July 2022, Starling realised that a key check was not working properly. It meant that nearly 300 customers who had previously been booted out of the bank for “financial crime reasons” had been able to reopen accounts. By November, Starling’s financial crime rating was raised to “red”. And two months later, in January 2023, it found that an automated screening system had only been checking against a partial list of individuals under sanctions since 2017. Starling ultimately breached the VREQ, opening 54,000 accounts for 49,183 high-risk customers between September 2021 and November 2023, earning £900,000 in interest and fees along the way. An external consultancy later chalked up the failings to an inexperienced management team that lacked sufficient anti-money laundering and regulatory expertise. Engineering teams, given responsibility for upgrading the systems and controls, were not told of the existence of the regulator’s order. It was only in April this year that Starling managed to go a full month without breaking the rules. The VREQ remains in place today. The regulator did not refer to the BBL scheme in its report. But Agnew revived his concerns in October. The digital bank has so far claimed £94m of taxpayer money through the BBL scheme on loans that were later flagged for fraud, a figure only surpassed by the four largest high street banks. “The government should consider the FCA’s findings and examine whether there needs to be a clawback on any of the taxpayer funds paid to Starling to cover fraud losses,” Agnew told the Times . The new revelations have undoubtedly hurt Starling’s reputation and kicked the prospect of a stock market listing – and payouts to investors such as Goldman Sachs and McPike – down the road. “It makes it harder to ‘sell the story’ to investors,” said John Cronin, an independent banking analyst and founder of SeaPoint Insights. “I would be surprised to see a successful IPO within the next two to three years,” he added. Boden stepped down as chief executive in 2023 citing a “conflict of interest” between being a boss and a large shareholder, leaving Bhatia to weather the storm. Starling said: “We fully accept and have apologised for the FCA’s findings. Their fine related solely to breaches of the VREQ and to sanctions controls. The loans issued during the Covid crisis were to a small proportion of our new customers. In line with other banks, we were supporting the government’s efforts to keep the economy alive and small business owners active. “We’re moving forward with plans for new products and services and are excited about the prospects for 2025.” Boden and the Treasury declined to comment.LEGO launches Williams FW14B, Ferrari SF-24 Formula One sets