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bananaofswifts · 3 months

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01 - Taylor Swift

No one in the music industry wielded more power over the past year than Taylor Swift, who made history at stadiums, movie theaters and on the Billboard charts, leaving even the most seasoned executives speechless. While they’d long celebrated her staggering popularity as a singer, songwriter and performer, her force as a strategic business leader suddenly came into sharper focus — and industry veterans took notes as they watched some of her bravest and most innovative business risks reap remarkable rewards.

At 34, she is one of the music industry’s most charismatic and influential leaders — and she rewrites the rules.

“The piece of advice I would give to the other executives on this list is that the best ideas are usually ones without industry precedent,” Swift tells Billboard. “The biggest crossroads moments of my career came down to sticking to my instincts when my ideas were looked at with skepticism. When someone says to me, ‘But that has never been done successfully before,’ it fires me up. We have to take strategic risks every day in this industry, but every once in a while, you have to really trust your gut and take a flying leap. My rerecordings are my favorite example of this, and I’m extremely grateful to my team and fans for taking that leap with me because it absolutely changed my life.”

Sage advice for an industry in which instinct has largely been supplanted by metrics and data analysis.

In December, Time named Swift its 2023 Person of the Year. In September, after encouraging her 279 million Instagram followers to vote and linking to vote.org, the nonpartisan nonprofit said it received over 35,000 registrations. She appears on the cover of this issue of Billboard and in the No. 1 spot of our annual Power 100 issue because her force across the business of music is now unparalleled — and because she models commitment to innovation that the rest of the business will need in order to tackle the big challenges ahead.

Swift’s gambles have paid off handsomely over the past year.

Her massive The Eras stadium tour, which began in March after she controversially put all the tickets on sale at once, crashing Ticketmaster and sparking mass hysteria, grossed an estimated $906.1 million in 2023 and is poised to become the highest-grossing global tour of all time before it wraps in December, according to Billboard.

The Golden Globe-nominated Taylor Swift: The Eras Tour film, taped during her six-show run at SoFi Stadium in Inglewood, Calif., in August, has grossed over $261.6 million worldwide since its October opening, according to AMC Theatres Entertainment. In January, the publicly traded movie-house chain announced that the film’s box-office take made it the highest-grossing concert/documentary picture ever released, surpassing Michael Jackson’s 2009 This Is It. Once again blazing a new path, Swift made a groundbreaking distribution deal directly with AMC Theaters instead of linking with a film studio.

Swift has shaken up the catalog market, too. When Scooter Braun infuriated her by acquiring the master recordings of her first six albums through his Ithaca Holdings and then sold them to investment firm Shamrock Capital at a profit, Swift rerecorded the albums with loving precision and added bonus tracks to the new releases. They performed phenomenally well, as she deftly used her tour to promote them. When her latest rerecording (and 14th studio album overall), 1989 (Taylor’s Version), spent its fifth week at atop the Billboard 200 at the end of 2023, Swift beat Elvis Presley’s record for the most weeks at No. 1 by a solo artist. Her industry market share last year was 1.72%. If she were her own genre, she’d rank ninth for 2023 — bigger than jazz.

“She’s the smartest artist I’ve ever worked with,” says Messina Touring Group’s Louis Messina, who promotes Swift’s tours and has worked with her since 2005. “She outworks everybody and she has always had this vision. If you’re around her, you can’t help but believe in her.” —Melinda Newman

#taylor swift

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iwanthermidnightz · 3 months

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1) Taylor Swift

At 34, she is one of the music industry’s most charismatic and influential leaders — and she rewrites the rules.

Sage advice for an industry in which instinct has largely been supplanted by metrics and data analysis.

Swift’s gambles have paid off handsomely over the past year.

#taylor swift

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endlessnine09 · 4 months

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Luo Yunxi 2023 journey thread

Till The End of The Moon:

Influential Work of the Year (Weibo)

Annual Outstanding Works (第六届初心榜)

Popular Drama Series (Baidu)

Fastest series to reach 10,000 heat (Youku)

Most popular web drama (Maoyan)

33.2% market share TOP 1 new high for xianxia dramas (Yunhe)

April TOP1 Drama Series (Lighthouse)

Web drama TOP1 (Youku 2022-present)

Daily average playback volume across all terminals (Kuyun)

Dominated top lists (Weibo, Douyin, Kuaishou, Guduo, Datawin, Aiman)

April Most popular character - Tantai Jin/ Mingye/ Cang Jiumin

2023 most popular ancient costume drama (Maoyan)

Top character index for 4 weeks in a row (Weibo)

Top drama character spot for 5 consecutive weeks (Aiman)

Love is Panacea:

Highest CVB ratings exceeded 1.2%, episode average exceeded 1%

Kuyun ratings peaked at 1.5%

Average viewership rating NO.1×19 after prime time

Maoyan Emotional drama popularity champion

Upcoming works:

Jiang Xinbai : Follow Your Heart

Tang Lici : Shui Long Yin

Chu Wanning/ Chu Xun / Qin Dai Zhao : Immortality

Music:

Traveler -special birthday song Top 49 hs, 1167.5W+ Weibo topic reads

Business:

Shiseido: skin care spokesperson

Cogi: sunscreen spokesperson

League of Legends: Guofeng spokesperson

Ziyuan: Brand spokesperson

浮生忆玲珑手游 (game) spokesperson

Zhenguoli brand spokesperson

Asian Games Guest Group (China Mobile / Migu)

Cultural promotion ambassador of “Hanfu Resurgence in 20 Years”

China-Thailand Cultural Friendship Ambassador (One of the best moments in my lifetime CRYING)

Fashion:

January: L’OFFICIEL

March: OK magazine

Till The End of The Moon x Harper's Bazaar

October: Dream Collection Chinese Style Album - Harper’s Bazaar National Geographic Traveler MiniBazaar

Activity:

January : Audiovisual Annual Ceremony

April: Till The End of The Moon event, sweep the building

May: Shiseido live

June: Cetaphil x Cogi live

July: Double Madame Tussauds wax figures (Shanghai and Beijing)

August : League of Legends 12th Anniversary Star exhibition game

October: Douyin Wonderful night 桃花諾

November: Special Live Show / fanmeet (China-Thailand Cultural Friendship Ambassador) Douyin Shining Night/Dragon TV: Traveler Tmall Double 11/ Hunan TV: Let’s be together for 10,000 years Mango Investment meeting

November: League of Legends S13 finals

December: Shiseido offline meeting and live broadcast

Public welfare activities

Thank you for the great year Xixi! Let’s continue the journey together on 2024!

#罗云熙 #luo yunxi #till the end of the moon #长月烬明 #颜心记 #follow your heart #治愈系恋人 #love is panacea #shui long yin #水龙吟

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pillowfort-social · 1 year

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Donation Update:

As of 01/18/2023 we have met 37% of our $4943 goal for January thanks to our generous community donors.

Pillowfort has been user-funded since the beginning. Our entire team will continue the stance of never relying on venture capital investments, as being user-funded allows us to continue to operate without compromising our content guidelines or business philosophy.

While Pillowfort doesn't have investor funding, this does create many challenges for our team. Relying only on user payments and donations limits our resources significantly compared to other sites that receive millions of dollars in investment funding. We also pay higher payment processing fees because we allow adult content. Our continued survival depends on the generosity of our community until we implement a long-term business plan such as our premium features suite. We are still on track to launch the premium features suite sometime during the first of this year. More details will be available soon.

Our Donation page provides a budget breakdown of Pillowfort's current monthly expenses.

While Pillowfort will not have to shut down immediately if we do not meet January's goal, it is in the best interest of the site to continue to reverse this trend so we do not face a situation where we eventually run out of finances. We have been fortunate to have saved up a ‘safety net’ of funds from previous fundraising drives and periods of high revenue (an example of a high period of revenue would be November 2022), which allows us to continue working on the platform at a deficit.

If you haven’t yet, please consider supporting us with a one-time or recurring monthly payment to help keep Pillowfort online. Any money donated to us now will be applied as a credit to your account when we release paid features & benefits in the future.

Stay tuned for more updates. Have a great rest of your week,

Best,

Pillowfort Staff

#pillowfort #pillowfort.social #pfstaffalert #pillowfort.soc #pillowfort donation update

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beardedmrbean · 5 months

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You know it's a crisis when Germany's Green vice-chancellor cancels attending a climate summit.

Robert Habeck, who's also economy minister, was supposed to be at the COP28 summit this week in Dubai.

Instead, he is in Berlin, wrangling with coalition partners over an emergency agreement for next year's budget.   The crisis exploded on 15 November, when Germany's constitutional court declared that the government's budget was illegal for breaking German laws against taking on new debt.

That left a hole of tens of billions of euros.

Now the government has just a few days to come up with a solution, if it wants to pass the 2024 national budget before 1 January without emergency sittings.

On Wednesday Germany's cabinet meets for the last time this year. A revised budget would have to be put to parliament in next week's final sessions before Christmas, so ministers should agree this week on how to balance next year's budget, while sticking to the law.

This is not so much a debt crisis, as an anti-debt crisis. A German law, known as the "debt brake", limits the amount of new borrowing the government is allowed to take on.

The law is enshrined in the constitution since Chancellor Angela Merkel introduced it in 2009 and is a matter of faith for conservatives, who brought the case to the courts.

So it was a coup for the conservative opposition when three weeks ago judges ruled that Olaf Scholz's left-leaning government was breaking this law.

Balancing Germany's budget is a feature of German politics, and is known as the schwarze Null, or black zero. It limits a government's budget deficit to 0.35% of economic output.

Exceptions are allowed in national emergencies, such as the Covid pandemic. The government had planned to use emergency debt left over from the pandemic, to spend on Germany's shift to green energy instead. Germany's constitutional court has declared this wheeze illegal.

That leaves an estimated shortfall of €60bn (£51bn; $65bn) for 2023, and €17bn for 2024.

For the current year the government has decided to get round the "debt brake" by declaring 2023 an emergency year, because of the energy crisis sparked by Russia's invasion of Ukraine, although this may also be challenged in the courts.

But so far, it's not clear what Mr Scholz is proposing for 2024.

A much-anticipated parliamentary speech by the German chancellor last week did nothing to clarify that. His main message was: Trust me, we have a plan. He also repeated his mantra in German-accented English that "you'll never walk alone".

Behind the scenes the three coalition parties have spent the last few days in late-night meetings scrambling to reach an agreement. German commentators can only guess at who is negotiating what, based on which government building has the lights on late at night.

Broadly speaking the only solutions are tax rises, spending cuts or more debt. But these are three very different parties, with conflicting views over borrowing and spending.

The business-friendly small-state liberal FDP, which runs the finance ministry and holds the purse strings, is ideologically opposed to higher taxes and obsessed with keeping the "debt brake".

Chancellor Scholz's centre-left SPD meanwhile refuses to roll back a promised increase on social spending, and the Greens are determined to boost investment in Germany's transition to renewables.

An uncomfortable coalition at the best of times, and these are not the best of times.

Until now the cracks have been papered over by throwing money at causes important for each party.

But all three are doing badly in the polls and have been punished in recent regional elections, making party members unruly and party leaders less open to compromise. The main reason that a compromise looks possible is that poor poll numbers mean there's no appetite within the government for fresh elections.

Green ambitions to soften the "debt brake" will be difficult to agree in parliament because this needs a two-thirds majority.

Opposition conservatives smell blood, so are in no mood to compromise, and even liberal coalition partners may not agree. But Robert Habeck is rumoured to be planning to get round borrowing rules by arguing for an exemption for crucial future infrastructure.

Either way, the coalition may still find a way to spend money on what's important to each party, just less of it.

#nunyas news #gotta meet their nato requirements too

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salmankhanholics · 5 months

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★ Yash Raj Films delays Tiger vs Pathaan; Shah Rukh Khan-Salman Khan starrer will go on floors only in 2025 and release in 2026!

Nov 30, 2023

Things definitely didn't shape up as well as expected for Aditya Chopra with the Salman Khan led Tiger 3. While the content got mixed feedback from the audience, the industry is also buzzing with chatter around how a conventional Friday release would have benefited the business by pushing the film to Tiger Zinda Hai number. It's Salman Khan's fan following and the franchise value that has taken the film to a lifetime collection of around Rs. 280 crores, getting it a clean hit tag.

And now, Bollywood Hungama has got news that would create a stir in the industry and shock waves on the social media. Highly placed sources have confirmed that Aditya Chopra has delayed Tiger vs Pathaan shoot. "Tiger vs Pathaan was to start in March 2024, but Aditya Chopra has decided to personally take time to rework on the script and serve the audience with better content. Once Siddharth Anand is done with Fighter post production, Adi will sit down with his director to improve the version of what has been written," a trade source told Bollywood Hungama.

The source added that Aditya Chopra wants to put all his focus on the Tiger vs Pathaan script as the idea is to reintroduce Tiger to the audience at its ferocious best. "Tiger is the most senior spy of the YRF Universe and the idea is to present it in a way that takes audiences on a ride. Aditya Chopra knows that the expectations will be off the roof in the audience for the face off of Salman Khan and Shah Rukh Khan in Tiger vs Pathaan. There is no room for compromise and all the energies are invested to better the film," the trade source added.

Interestingly, Shah Rukh Khan also had a discussion with Aditya Chopra recently, and conveyed his thoughts on the potential to improve the writing of Tiger vs Pathaan. "Shah Rukh considers the YRF Universe to be close to his heart as Pathaan played a role in introducing his action image. He told Adi that he stands by his side and will be ready to shoot the film whenever Adi is ready with the script. Salman is also on the same page, and hence green lit the shoot timelines for Karan Johar's film from February 2024. Shah Rukh Khan in the meantime will be shooting for The King from January."

It's a consensual decision taken by the top 3 industry giants, in an attempt to provide a world class cinematic experience to their audiences. Tiger vs Pathaan will now go on floors in 2025 and is likely to release in the year 2026.

#salman khan #tiger 3 #tiger vs Pathaan #t vs p #tiger vs Pathaan delayed #delayed #tp

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adarlingwrites · 1 year

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A Devilish Distraction

Summary:

Fortune needs an escape from the world's madness, and Raphael is more than happy to distract her.

Words: 2409

Relationships: Raphael x OC/Raphael x Tav

Date of Original Publication (AO3): January 21, 2023

Tags/Warnings: Adult content, Plot What Plot/Porn Without Plot (Okay there is a plot if you squint hard enough), Brat taming, Spanking, Dirty Talk, Begging, Rough Sex, Rough Kissing, Love/Hate, Master/Servant, Emotional Manipulation, Fluffy Ending (if you squint hard enough), Not Beta Read, One Shot

Author's Notes:

Something short and self-indulgent that I wrote in one sitting because *I* needed to get my mind off of things. Enjoy the filth!

Right, so, after some digging I managed to figure out who Raphael's voice actor is, and apparently, he narrates audiobooks. Lots of them, including game novels. The ending might've been a small nod to that, and my desire to hear him narrate old D&D novels and publications. The book in the end is from the first page of Cormyr: A Novel, seeing how Raphael's dialogue has references to it, hihi

Today, Raphael is taking things slow, befitting of a slow week.

Save for collecting from one client who was overdue his payment, there wasn’t much excitement during the day. Raphael went on to toy around with his lanceboard set, pondering moves the entire afternoon, then he went to have a light supper alone. It’s already several hours past sundown, and stars glitter in the black skies above. A brief look outside his window reminds the cambion of his favorite client… and favorite lover.

He takes a moment to remember the night they shared together- truly a delightful time he won’t forget any time soon.

The morning after that night of pleasure wasn’t so pleasant.

The tiefling was incensed to have found herself branded with hellfire, and tricked into a verbal contract. Raphael was intentionally vague when he goaded her into saying that she is his; it could mean several things. If it makes Fortune his servant, gives him access to her delightful body for all of his carnal needs, or if it gives him ownership of her soul… it all depends on interpretation, and it works in his favor as always.

Then, she ran off. It seems that the act hasn’t broken the contract, though.

Has she come to accept that she does belong to me now?

She’ll be back. Right?

Before he can lose his entire evening in either decadent fantasies or spiraling thoughts, he busies himself with a book to take his mind off of her.

Reading did work. Raphael found himself lost in the intricacies of the novel’s plot, engrossed and invested in the story, the memory of the tiefling woman pushed aside.

A knock interrupts Raphael’s reading. With slight annoyance, he calls out. “Yes?”

Korrilla answers. “Master, Miss Fortune is back.”

Raphael’s annoyance is swiftly replaced with smug satisfaction. “Ah, it was only a matter of time.”

“I have to warn you sir, she’s not in the best spirits.”

“I see she’s still upset about the contract.”

“That, I am unsure of. Perhaps it’s best that you see her for yourself, master.”

The devil raises an eyebrow. He places a bookmark between the pages and closes the book shut. He puts on his perfume, and straightens his jerkin on his way to meet his guest.

Raphael had expected to meet Fortune the way they parted: fuming, and spitting hellfire with that saucy mouth of hers. Instead, puffy eyes and a twitching mouth greet him. Fortune’s careworn features shift into a pathetic attempt to restrain the trepidation she no doubt feels right now.

“Ah, Fortune my dear girl, I knew you’d be back! A pleasant evening to you,” he greets her, arms extended and palms open. “What brings you back to the House of Hope? I take you’re still willing to uphold your end of the bargain?”

The tiefling’s posture is much more reserved, her arms around herself. “I wanted to be alone.”

Raphael chuckles. “You’re hardly alone with me, my dear.”

“No, you don’t understand. I need time away from my compatriots, else I might go mad.”

“The pressures of leadership getting to your head?”

“Look, don’t make me regret coming here. I just want a moment to myself, to get away from things, from the tadpole, from making sure Gale doesn’t blow up and leave a crater the size of a city, from making sure Shadowheart and Lae’zel doesn’t kill each other, from making sure Astarion keeps his hunger in check- “

“Ah, you don’t want to be alone then. You want a distraction.”

“I- well, fine, yes. And you’re the only one I can come to. You said you’d give me what I want and more, when you tricked me into agreeing to that verbal contract while we were… in the throes of passion.”

Both of them paused for a moment, remembering that night. Without saying another word, Raphael and Fortune’s bodies collided, their basest instincts inflamed. The devil laughs in amusement against the tiefling’s mouth as she hungrily sought him out, all her frustration going into the torrid lock of lips. Tongues dance, and the fires inside them burn brighter.

With ease, Raphael sweeps Fortune off her feet, and she wraps her legs around his waist. He carries her to his study, articles of clothing flying off as she practically tore them away from her body, and his. Raphael will need to send his doublet to a tailor to have the buttons mended, but he doesn’t care to think of it right now. Right now, this was just the excitement that he needed after that languid afternoon.

“You said I can have what my heart desires, right?” Fortune hisses as Raphael sets her on the desk, breathless. “Then fuck me hard. Hurt me. Make me forget my troubles.”

“Such coarse language,” Raphael teases, his mouth pressed against her cheek, near her ear. “If you want this, love, you have to ask nicer than that.”

“Bastard.”

“Is this how you address your master?” Raphael asks, pulling away and gripping Fortune by the jaw with his clawed hand. The gooseflesh rippling on her bare skin gives away that she’s enjoying it.

“I don’t have time for your games! I just need it raw and rough right now- “

“But I have plenty of time for them. Remember,” Raphael pauses to lean in close, and he growls into her ear.

“You’re mine. And what’s mine is something I will enjoy on my terms.”

Fiendish hands manhandle the rogue’s petite form, and Fortune finds her cheek pressed against the polished hardwood of Raphael’s desk. The same hands pull away at her smallclothes, leaving her bare. Cloth shifts from behind her, and her thighs rub together in anticipation.

With a few swift tugs, Raphael’s manhood grows into its full size, and he poises it just outside of Fortune’s entrance, already glistening with arousal.

“Beg for it,” Raphael demands, rubbing the head against her folds teasingly, intentionally avoiding the swelling bud of pleasurable nerves.

“Damn you,” Fortune snaps, trying to push herself against him, but a hand swiftly smacks her behind as discipline, then keeps her firm against the table.

“We can do this all night, sweet cherry. I can watch you squirm and cry underneath me as I leave you empty and wanting,” he casually teases, almost in a sing-song manner. Then, he presses chest against Fortune’s back, and one clawed hand snakes around her neck, nails digging into the thin, sensitive flesh.

Voice dropping to a growl, he commands. “Or, you could do as I say. Beg. For. It.”

With a defeated moan, Fortune obliges. “Raphael, fuck me.”

Another smack on her behind leaves her breathless and wailing.

“You can do better than that.”

“Raphael, please, I need you.”

Smack.

“Gods damn it I- Raphael please, I need you inside me.”

Smack.

“I need your cock inside me! Please, please, fuck me already- “

Smack.

“Raphael!”

Smack.

“Raphael, master, please, I need you, I need your cock- “

Raphael’s hand soothes the maroon marks blooming on her skin. “There, you’re learning,” he croons. Then, his voice is hard and stern again. “Beg harder, little brat. Show me how much you need me.”

Smack.

“Master! Please! I need you, I need you! You’re the only one I need!”

The tiefling babbled and whined until tears were streaming down her face, her derriere thoroughly abused by Raphael’s spanking. The sound of his palm hitting her flesh resounded in the study in conjunction with her pitiful cries. As he heard her sniffles, only then did Raphael relent.

“You speak like a beast in your master’s presence, then you shall be taken like one.”

Without giving her a moment to prepare, Raphael enters her. The pull her grip has on his skin despite her ample lubrication makes him hiss, and she cries out underneath him- in ecstasy or in pain, it did not matter.

The hard edges of the cambion’s hips snapped and slapped against the soft flesh as they rutted away, gruff moans and growls rumbling from his chest as he took her like a bitch in heat. Fortune is barely coherent as she surrenders to her master’s cruel, delightful ministrations, one hand going between her legs to desperately rub her neglected bud of nerves.

“Yes! Faster, harder, please master, I need it!”

From her hips, Raphael’s hands fly to his lover’s breasts, and he proceeds to toy with them, rolling her nipples, tugging at them, and cruelly squeezing enough to hurt. With his lips, Raphael begins to assault that spot between her neck and ear where he had branded her, and Fortune’s vocabulary ceases to exist. All that is left from her mouth are various sounds of strained pleasure.

Raphael is nothing short of amused at her reactions. Fortune looks up to him with a feverish grin. It only spurred him on.

“Oh my, you’re thoroughly enjoying this! You want this, Fortune? You love acting like a brat so you can have your bottom spanked and be at the mercy of your master?”

A wicked grin sweeps across the cambion’s face as she nods several times.

“You know just how to bring the beast out of a man, don’t you?”

Pushing the tiefling against the polished hardwood, Raphael angles his hips.

Raphael’s pace was already cruel. Now, it’s almost inhuman.

A scream ripping from her lungs, Fortune throws her head back, dark curls bouncing as she did. Raphael coils those around his free hand, pulling on her locks. The only word he could discern from her incoherent cries is a long, drawn out “Yes!”

“Then take it like a beast, take it, take it! Cheeky little brat, you came here just to feel me inside you again, didn’t you? You want my seed dripping down your thighs after I breed you, is that it? To be reduced to a squirming, quivering mess of a whore?”

Fortune nods several times, but the lack of a verbal response earns her a vicious tug on her locks.

“Yes! Master, please, breed me, I need you!”

“Then earn it,” Raphael grunts, the new angle of his hips hitting that spot inside of her that brings so much ecstasy and agony. Raphael pulls Fortune to his chest, and looks into the void of her eyes.

“Come for me.”

Raphael puts the command on repeat, voice gruff and strained from his own pleasure as he held off his own high until he gets exactly what he wanted from her. His knuckles are turning white as he gripped her hips, sweat drenching his body and mingling with his perfume. His hair, normally slicked back immaculately against his horned head, is tousled from their activities, and the look of agonized pleasure distorts his infernal features. Dark, heavy desire swirls in his hellfire eyes.

Seeing him like this sent Fortune over the edge.

Her long drawn out cry echoes in the study as her release seizes her. Her quivering flesh almost sends Raphael to his own release, but he holds back for a few more moments.

“Say that you love your master,” he groans into her ear, almost desperately. “Tell me you love me.”

Voice broken, Fortune whispers it like a shameful secret. “I love you.”

It’s just what Raphael needed.

The devil groans and roars as he spends himself inside his lover, and he reaches down to the bags of flesh that hung behind his length, squeezing himself as he emptied every last drop of his seed into her. Body slumping forward, he breathes heavily into Fortune’s skin, planting adoring kisses all over her cherry complexion. Both of them stayed like that for a moment, basking in the elated silence.

Raphael is the first to break it.

“I’ll have your chambers ready. I’ll be staying up to read tonight.”

After sending Fortune away and tending to himself, the devil sits in the armchair of his study once more, ready to continue where he left off. Peckish, he tucks into a late-night snack tray of bread, cheese, deli meats, and of course, cherries, alongside cognac for a nightcap, set up by Korrilla while he was cleaning up.

It wasn’t long until he heard another knock on his door.

Sighing, he just gave up on reading altogether. “Come in.”

It’s Fortune, looking drowsy, skin freshly scrubbed, and in her nightgown.

“Haven’t I… distracted you enough, my dear?”

“I actually came here to thank you for that.”

“Hmm. None needed. I’m just upholding my end of the bargain, sweet one.”

Wordlessly, Fortune toddles up to him, and curls up in his lap. She helps herself to the assortment of food on his table, feeling peckish from their activities too.

“You said you were reading,” she said after a few bites.

“Yes, darling. I was.”

“If it doesn’t trouble you, can you start from the beginning and read to me?”

Raphael chortles. “You want a bedtime story? I’m your lover, not your father.”

“You told me you’d give me anything I want...”

“Clever girl. I expected that you’ll milk our agreement for all its worth.”

“I could milk something else…” Fortune purrs, shifting her hips slightly to brush against his manhood.

“Such a tease… Insatiable, aren’t you?”

“Only for you. But right now, I just want to hear your voice. Please?”

Fortune plants a row of sweet, chaste kisses along his jawline. Raphael doesn’t question it, nor does he stop her, but that unsettling feeling of foreign tenderness stirs in his chest once more.

The devil gives his clients material things, influence, and fiendish powers. He gives his mistresses petty trinkets, decadent dinners, and bouquets of flowers that will wilt in a few days. Raphael could provide it all… almost all.

Fortune was right in her doubt that he can give her what she really wanted. Had he known that little intimacies and stolen moments of tenderness are the things she craved deeply, he would have thought twice. He would have been more careful with his wording.

“I’ll give you the things you desire, and more.” What was I thinking? What if the girl asks for- Hells. This might be a contract I might have to render void later…

However, right now, he’s keeping true to his word.

And so, after taking a sip of his cognac, he picks up the book, and opens it on the first page.

“Prologue: The Dragon's Land. A Time Before the Years Were Named, -400 DR. Thauglor, King of the Forest Country, turned in a low, banking dive…”

#baldur's gate 3 #baldur's gate 3 raphael #baldur's gate raphael #raphael baldur's gate #baldur's gate #OC: Fortune #fanfiction #raphael x oc #raphael x tav #baldur's gate fanfiction #fanfic

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nevaehsanford · 1 year

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For: Roman Guerra.

Time: 18th of January 2023.

Where: Charity Ball, in aid of Financial Business and the Financial Times.

She knew the risks of coming here.

It wasn’t rocket science as to the reasons why, yet, a job was a job and Nevaeh Sanford had never been in the position of turning down money. The elegance of it all was still breathtaking to her, the grand chandelier hanging above their heads as classical music filtered into the room. The kinds of things she’d dreamed about as a girl, but had never quite reached. Now she got what she wanted, whenever she wanted. A con artist, or just an artist, as she liked to view herself meandered in the crowds, her companions; two well-to-do men from Scilly who were thinking about making their stamp on the great country with their trust fund money.

They knew nothing, she’d realized in the short time she’d been here. A hired escort, or so they thought. Oh, she was far more than that, and in conversation when they pushed their misogynistic and old-timer views on her, she all but smiled, dipping her head as if in servitude of them.

‘‘I was always taught manners, best to be seen and not heard.’‘

Bullshit.

Every word that came from her mouth was painted to look like gold dust for them. Their side eyeing agreement that they’d made the right decision and investment in hiring her. She thought mockingly, it was such a shame that she’d rinse them for all they were worth by the end of the evening. So when she painted that pretty little smile on her face, they didn’t see the dancing flames lingering in those hazel orbs, embers of the chaos she’d rain down upon their lives in hours.

She’d known the risks and had prepared for almost all eventualities.

But not him.

Glancing around the room taking in the luxurious event, eyes snapped straight forward, face falling when she saw Roman Guerra. All manner of ease she’d had that evening dissipated in mere seconds. Not tonight, she wanted to beg. This couldn’t be his event, surely? No, it couldn’t be, she thought to herself jutting that chin while her lips pressed into a thin line.

How long had it been? Years? Gulping thickly she diverted her eyes away from him, memories of their last encounter burned into her mind as if it were yesterday. How she’d cried, wishing that things had been different. They’d talked about love and the insanity of it all.

Now? She agreed with him. That day when he’d dropped her off in queens like she was nothing more than trash on his doorstep had fuelled something in Nevaeh that had never been there before. She’d worked harder, and longer and made a reputation for herself that was bar none in her industry of work. The Black Market was her game, so she smirked.

She knew she was playing that fire that would end up with her dead. But she’d never been one to shy away from a man that had once viewed her in a different light. How she wondered what he saw when he looked at her now. A lone wolf with no one but herself.

#roman & nevaeh #conversations ; roman.

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arizonaconservativegal · 1 year

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Student Loans: DOJ Says Overruling Biden’s Forgiveness Could Lead to Lawsuits Over ‘Virtually All Federal Action’

David Nadelle

Mon, January 9, 2023 at 2:39 PM EST

While the fate of borrowers’ loan repayments remains in limbo until the end of February, experts are waiting with apprehension of what an upheld Supreme Court ruling will mean, not only for federal student loan cancellation, but for future legal arguments on federal policy.

See: Can Unpaid Student Loans Affect Social Security Money? Student Loan Forgiveness: Timeline of Events Leading Up To the Supreme Court Review

The Supreme Court will hear arguments on the legitimacy of President Biden’s plan to forgive up to $20,000 in student debt for federal borrowers making under $125,000 on Feb. 28. On Jan. 4, the Department of Justice (DOJ) submitted a filing to justify the legality of Biden’s program.

According to Business Insider, as part of its 86-page brief, the DOJ expressed concern that if the Supreme Court decides to stand by the 8th Circuit’s November ruling and invalidate Biden’s debt forgiveness program, it will set a bad precedent for future legal judgments.

The federal student loan forgiveness plan has been delayed since October due to two lawsuits filed by GOP-endorsed groups. The suits — one led by six Republican-led states arguing relief would hurt their states’ tax revenues and diminish the value of investments tied to student loans, and another by two student loan borrowers who did not qualify for the full $20,000 amount of relief — have been refuted by the Biden administration as baseless and politically-motivated.

Complicating the state-led lawsuit — pursued by Arkansas, Iowa, Kansas, Missouri, Nebraska and South Carolina — is the involvement of a third party, St. Louis-based student loan company MOHELA, which has been dragged into the legal challenge by the state of Missouri. MOHELA, one of America’s largest student loan servicers, currently has a contract with the federal government to service student loans.

Take Our Poll: Are You in Favor of More Inflation Relief in 2023?

Missouri contends that MOHELA will lose money under Biden’s relief program because it will have fewer student loan accounts to manage, make less money and “will make it more difficult for MOHELA to make required payments to a state fund that helps its public colleges and universities,” according to Politico.

If the Supreme Court quashes this particular cancellation program and rules in favor of the plaintiffs in the two cases it is hearing in February, it could have “startling implications” for future claims, according to the filing.

“Virtually all federal action — from law enforcement to collecting taxes to managing property — has some side effect on government finances,” the filing read. “If such side effects were enough to stand, then every state would have the right to challenge almost any federal policy.”

“(B)anks could sue anyone who causes financial harm to their borrowers, credit-card companies could sue anyone who causes financial harm to their customers, and governments could sue anyone who causes financial harm to their taxpayers,” it adds.

Student Loan Forgiveness: What Is the Income-Driven Repayment Account Adjustment? Social Security: Garnishments for Delinquent Student Loans Might Resume — and Could Cost You $2,500

The current student loan pause extension runs through 60 days after June 30, 2023, or whenever the lawsuits are resolved — whichever happens first. If the Supreme Court decrees Biden’s loan forgiveness plan to be legal, the Department of Education can begin to process the 26 million applications it has already received and will re-open the application process, per Forbes.

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delvenservices · 5 days

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Sugar Confectionery Market Competitive Analysis

Sugar Confectionery Market analysis report figures out market landscape, brand awareness, latest trends, possible future issues, industry trends and customer behaviour so that the business can stand high in the crowd. It includes extensive research on the current conditions of the industry, potential of the market in the present and the future prospects from various angles. This market report comprises of data that can be pretty essential when it comes to dominating the market or making a mark in the Food & Beverages industry as a new emergent. To bestow clients with the best results, Sugar Confectionery Market research report is produced by using integrated approaches and latest technology.

Download Free Sample Report at: https://www.delvens.com/get-free-sample/sugar-confectionery-market

Sugar Confectionery Market, by Product Type (Hard-Boiled Sweets, Toffees, Caramels, & Nougat, Pastilles & Jellies, Mints, and Other Product Types) and Distribution Channel (Offline Stores, Online Platforms) and region (North America, Europe, Asia-Pacific, Middle East and Africa and South America). The global Sugar Confectionery Market size was estimated at USD 56.2 billion in 2023 and is projected to reach USD 79.9 billion in 2030 at a CAGR of 4.5% during the forecast period 2023-2030.

The sugar confectionery market denotes the sector responsible for the manufacture and distribution of a diverse assortment of saccharine delicacies, primarily composed of sugar. This category comprises an array of products, such as confections, chocolates, chewing gum, jellies, popsicles, caramels, and analogous commodities. The sugar confectionery industry constitutes a noteworthy fraction of the wider confectionery domain, encompassing chocolate bars, baked goods, and frozen desserts.

The industry's growth is being driven by the combination of a growing population and rising disposable income. Furthermore, the industry is receiving support from increasing urbanization and changing consumer lifestyles. During the forecast period, significant investments by industry players in promotional activities, advertising campaigns, and social media marketing are anticipated to fuel the demand for sugar confectionery products. Additionally, the growth of the sugar confectionery industry is being supported by the expanding retail industry and the rising trend of e-commerce. However, the industry's growth may be restricted due to increasing health awareness, growing obesity-related diseases, and a shift in trend towards consumption of low-calorie food. Nevertheless, the global industry is expected to be driven by growing demand from emerging economies, the increasing trend of gifting confectionery products, and rising demand for organic and premium chocolate products.

Sugar Confectionery Market Competitive Landscape:

Anthony-Thomas Candy Co

August Storck KG

Barry Callebaut

Blommer Chocolate Company

Cadbury PLC.

Chupa Chups SA.

Cloetta AB

Ferrero SPA.

Foley's Candies LP

Haribo Dunhills PLC

Ingredion

Kraft Foods Inc

Lindt

Lotte Confectionery Co Ltd,

Mars, Incorporated

Nestle SA

Perfetti Van Melle S.P.A.

Sprungli

Tate & Lyle

The Hershey Company,

Wm Wrigley Jr Company

Sugar Confectionery Market Recent Developments:

In February, 2022, Hershey's created a sugar bar to commemorate All Women and Girls. The "Celebrate SHE" bars are a limited edition. SHE was highlighted in the centre of the milk sugar bar by the brand.

In January, 2022, Cadbury, a brand of Mondelez International, introduced the Twist Wrap packaging solution for its Duos range, allowing consumers to snack in small portions by twisting and sealing the package after consuming half of the sugar bar.

Make an Inquiry Before Buying at: https://www.delvens.com/Inquire-before-buying/sugar-confectionery-market

Sugar Confectionery Market Key Findings:

The Product Type segment is further fragmented into Hard-Boiled Sweets, Toffees, Caramels, & Nougat, Pastilles & Jellies, Mints, and Other Product Types. The Hard-boiled Sweets segment is expected to account for a larger market size during the forecast period. The production of these confections is relatively cost-effective, providing a broad spectrum of consumers with the opportunity to indulge in a delectable treat. Their extended shelf life, which endures for several months without compromising quality or taste, renders them an optimal selection for manufacturers and vendors. The diverse assortment of fruit, mint, and floral flavors of hard candies caters to varied taste preferences. The convenience of individually packaged hard-boiled sweets, which are effortless to carry and consume while on the move, renders them a popular choice for consumers who lead busy lives.

The Distribution Channel segment is further bifurcated into Offline Stores and Online Platforms. The offline store is the largest market during the forecast period. The ubiquitous existence of these commodities and their palpable retail experience are notable. Patrons have the opportunity to physically examine and procure these goods. Additionally, they may reap the advantages of insights and endorsements provided by store staff. Conversely, the digital domain is rapidly expanding owing to the surging prevalence of e-commerce and the expediency it provides.

The packaging segment is further bifurcated into sachet, box, and others. The Sachet packaging is the largest market during the forecast period. Sachet packaging is commonly utilized for dispensing individual or small portions of confectionery, thereby providing an expedient option for on-the-go consumption. In contrast, box packaging is frequently associated with high-end or gift-worthy sweets, affording a visually captivating and methodical presentation.

The market is also divided into various regions such as North America, Europe, Asia-Pacific, South America, and Middle East and Africa. North America is estimated to account for the largest market share during the forecast period owing to the rising disposable income and expanding youth population.

Sugar Confectionery Market Regional Analysis:

North America to Dominate the Market

North America is estimated to account for the largest market share during the forecast period owing to the rising disposable income and expanding youth population.

Moreover, the strong focus on retail chain expansion projects, will escalate the manufacturing of sugar confectioneries to cater to regional consumers.

Frequently Asked Questions:

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Who are the major players in Sugar Confectionery Market?

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Browse Related Reports:

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Delvens is a strategic advisory and consulting company headquartered in New Delhi, India. The company holds expertise in providing syndicated research reports, customized research reports and consulting services. Delvens qualitative and quantitative data is highly utilized by each level from niche to major markets, serving more than 1K prominent companies by assuring to provide the information on country, regional and global business environment. We have a database for more than 45 industries in more than 115+ major countries globally.

Delvens database assists the clients by providing in-depth information in crucial business decisions. Delvens offers significant facts and figures across various industries namely Healthcare, IT & Telecom, Chemicals & Materials, Semiconductor & Electronics, Energy, Pharmaceutical, Consumer Goods & Services, Food & Beverages. Our company provides an exhaustive and comprehensive understanding of the business environment.

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twiainsurancegroup · 13 days

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martinpeter200 · 16 days

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Oxbridge Re Holdings’ (NASDAQ: OXBR) subsidiary SurancePlus Inc. Unveils Next Tokenized Real World Asset (RWA) Opportunity

It’s talked about all the time. Ultra-high net-worth individuals seem to always gain access to lucrative and exclusive investment opportunities that bar entry to the rest of society. The exclusion of the majority of the investment community from these opportunities often draws criticism and rightfully so. One such investment class that often falls into this exclusive club is reinsurance.

Reinsurance Market Estimated to Reach Global Valuation of $1.344 Trillion by 2031

Reinsurance is an insurance policy taken out by an insurance company to help transfer risks and help reduce the likelihood of a massive payout when significant losses occur. In other words, it’s an opportunity for insurance companies to hedge their risk from very high claims. This helps insurance firms to free up capital, which can be used for business development rather than being tied up in a reserve fund. In addition, the transfer of risk helps to promote greater financial stability. The reinsurance market is dominated by some big-name companies like Berkshire Hathaway (NYSE: BRK.A) (NYSE: BRK.B), Lloyds of London (NYSE: LYG), and more.

As of 2021, the global reinsurance market was valued at around $500 billion. Market research firm, Allied Market Research, estimates the global industry could expand at a CAGR of 10.8% through 2031 and reach a projected value of $1.344 trillion.

For exclusive investors with access to invest in reinsurance, the opportunity is often very lucrative. In fact, Bloomberg recently noted that reinsurance was one of the best-performing strategies for hedge funds in 2023.

However, Oxbridge Re Holdings Limited (NASDAQ: OXBR), through its Web3 subsidiary, SurancePlus Inc., is looking to democratize the reinsurance market. Through Real-World Asset (RWA) tokenization, SurancePlus has already launched its second reinsurance investment opportunity called EpsilonCat Re. Let’s dive in a little deeper to determine how SurancePlus’ tokenized RWA opportunity, DeltaCat Re, of last year, performed and the list of potential benefits.

Overview: SurancePlus Inc.

SurancePlus Inc. is a wholly owned subsidiary of Oxbridge Re Holdings Limited, a Nasdaq-listed reinsurance company based out of the Cayman Islands. Oxbridge Re prides itself in that whilst being a reinsurance holdings company, it seeks opportunities to avail itself of advanced technologies to expand its business. Oxbridge Re was the largest investor in the sponsor of a special purpose acquisition company that successfully merged with Jet.AI Inc (NASDAQ: JTAI), an artificial intelligence and aviation company. Regarding blockchain-related investments, Oxbridge Re launched its Web3 business through its wholly owned subsidiary, SurancePlus Inc., which specializes in RWA tokenization to help democratize access to exclusive investment opportunities that historically have been only available to ultra-high net worth individuals, such as reinsurance.

RWA tokenization continues to gain greater main street attention, particularly after asset management giant, BlackRock (NYSE: BLK), CEO Larry Fink announced the plans to create a new fund in partnership with Securitize, a major player in the RWA tokenization space and the transfer agent for SurancePlus’ DeltaCat Re and its new EpsilonCat Re tokens. It is not initially clear what the new fund, called BlackRock USD Institutional Digital Liquidity Fund, will hold. However, the partnership with Securitize suggests RWA tokenization will play a part of the fund’s focus. In an interview with CNBC back in January, BlackRock CEO Larry Fink said that the firms plan to launch BTC and ETH ETFs, “…are just stepping stones towards tokenization and I really do believe this is where we’re going to be going.”

“We are particularly enthusiastic about the prospects of our venture into RWA tokenization and the direction it sets for our company. Through strategic initiatives undertaken this year, we are positioning ourselves for substantial growth within our SurancePlus subsidiary as a premier RWA Web3-focused entity,” commented Oxbridge Re Holdings President and Chief Executive Officer Jay Madhu. “Further reinforcing our strategic vision, Blackrock has announced its intention to tokenize $10 trillion of its assets. Concurrently, we witness the steady adoption of blockchain technology across traditional financial institutions and asset classes, including fiat currencies, equities, government bonds, and real estate. As pioneers in the RWA tokenization market, we are energized by the transformative potential of our expansion into new business lines, which we believe will create significant value for our shareholders.”

DeltaCat Re Token’s Success Lays Foundation of Successful RWA Tokenization for SurancePlus

SurancePlus became an RWA tokenization pioneer by making available the first tokenized reinsurance securities of its kind to be offered through a subsidiary of a publicly traded company. Its DeltaCat Re tokenized reinsurance securities fractionalized interests in a high-yield pool of reinsurance contracts (underwritten by the subsidiary Oxbridge Re NS) and were issued on the Avalanche blockchain. This accomplishment becomes even more impressive when considering DeltaCat Re investors are on track to secure an annualized return on their investment in excess of 45%, above the initial expectation of a 42% return. This provides a clear track record and a strong foundation for future RWA tokenization opportunities for the company.

Oxbridge Re Holdings, which wholly owns SurancePlus, is subject to regulation by both the SEC and Nasdaq. As a result, the company has its quarterly and annual financial statements reviewed and audited under the Public Company Accounting Oversight Board (PCAOB) guidelines. The PCAOB audit and reviews entails a comprehensive and thorough examination of financial records by a highly qualified and approved accounting firm which provides transparency to investors.

On March 18, 2024, Oxbridge Re Holdings filed a Form 8-K announcing the next digital reinsurance security to be offered through its SurancePlus subsidiary called EpsilonCat Re. Building off of last year’s DeltaCat Re token success, SurancePlus is currently projecting annualized returns for the new token at around 42% if there are no storm losses.

The potential tax benefits of the EpsilonCat Re token will be the same as the previous year’s DeltaCat Re token due to Oxbridge Re’s offshore domicile status. Furthermore, EpsilonCat Re tokens will continue to have the same liquidity options as well. These tokens will be able to achieve liquidity through the sale of the digital securities on a secondary market Alternative Trading System (ATS) when available or can request a redemption at the end of each treaty period which ends on May 31st.

What is the Potential Market Value of SurancePlus?

As a whole, the market currently values Oxbridge Re Holdings Limited at $6.64 million. This is easily determined, as Oxbridge Re is a publicly traded entity on the Nasdaq stock exchange. But, what is the value of SurancePlus on a standalone basis? Being a wholly owned subsidiary and not publicly traded as a separate entity, it can be very difficult to get an exact valuation.

Fortunately, we can look to peers within the insurance tokenization industry to see what valuations they have secured when raising capital, which can be used to guestimate a possible value for SurancePlus. Two key relative peers worth taking a deeper look at are Nayms and Re.xyz.

Nayms

Nayms is an insurance-focused digital assets marketplace. Its platform looks to simplify insurance trading through its integrated platform. The company’s website states, “Through our work so far with the industry we are paving the way in providing a new digital asset risk market that allows regulated brokers and underwriters to find digital asset capital providers to share in the premium and liability entailed in covering digital asset risk.”

In April 2023, the Bermuda-based insurtech company raised a total amount of $12 million at a valuation of $80 million led by UDHC. The capital was earmarked to expand Nayms’ global team, as well as provide further support to develop their crypto-native insurance marketplace.

Re.xyz

Re describes itself as a “blockchain-powered reinsurer,” which is seeking to create a “decentralized Lloyds of London” opportunity. The insurtech startup aims to enable reinsurance companies to bring business to their clients through its Re protocol, which is on the Avalanche blockchain. Re says, “We connect capital, regulators, and insurers, transforming industry operations to enhance transparency and trust. By merging traditional practices with blockchain standardization, we empower all stakeholders in the insurance/reinsurance digital ecosystem to conduct business in their own unique way.”

In September 2022, Re raised $14 million in a seed round at a post-money valuation of $100 million. Investors in the seed round included Morgan Creek Capital, Framework Ventures, and SiriusPoint.

As you can tell, venture capital seems to place a significant premium on blockchain-powered reinsurance trading opportunities, which would likely fall under the decentralized finance (DeFi) heading. Nayms was valued at $80 million and Re at $100 million, based on their recent capital raises. In the context of SurancePlus, which has already begun building a successful track record of reinsurance RWA tokenization, these peer valuations are quite interesting.

SurancePlus Praised in Media Coverage By CoinTrust and Artemis

Oxbridge Re and SurancePlus have seen their share of praise from blockchain and insurance-related publications over the past year. Among the publications that have covered the company and its pioneering RWA tokenization achievements are CoinTrust, Artemis, and Reinsurance News.

In an article from November 2023, CoinTrust issued a glowing review of Oxbridge and SurancePlus in the article titled “Oxbridge Re Holdings Announces Strong Performance in Tokenized Reinsurance Market.” The article’s key conclusion seems to nicely layout the upbeat outlook for the company:

“Oxbridge Re Holdings’ strong performance in the tokenized reinsurance market, marked by the success of SurancePlus, underscores the company’s proactive approach in navigating the evolving landscape of financial technologies. The attractive returns on the tokenized securities issued by SurancePlus position Oxbridge Re Holdings as a noteworthy player in the burgeoning tokenized RWA market. Despite financial losses, the company’s optimism remains unyielding, driven by its strategic focus on key business segments and the promising trajectory of its subsidiaries in the rapidly evolving blockchain-driven financial landscape.”

Artemis, a respected reinsurance industry news provider, has also been keeping up with the news flowing from Oxbridge Re and SurancePlus. Since February 2023, the publication has written at least five articles on the company and its subsidiary on topics such as its DeltaCat Re and EpsilonCat Re tokens, tokenization efforts, and more.

In a recent article on the EpsilonCat Re token announcement, Artemis praised the company’s DeltaCat Re token performance:

“As we reported, towards the end of 2023, Oxbridge Re was anticipating that investors in the first series of tokenized reinsurance securities would receive a roughly 42% return for the first treaty year.

Which was a very impressive headline figure and the company will be hoping it can capitalize on this to raise a larger amount of capital under the EpsilonCat Re series of securities that will be issued for the 2024 renewal at the mid-year.”

Artemis also provided coverage on the DeltaCat Re token’s return of 45%, outpacing initial expectations. The reinsurance publication praised the return particularly after the landfall of Hurricane Idalia, a Category 3 hurricane, in 2023.

Conclusion

As market research experts predict the global reinsurance market to continue growing at a meaningful pace through the next many years, Oxbridge Re and SurancePlus stand to continue capitalizing on their process to democratize the alternative investment opportunity, which has historically been exclusive to only ultra-high net worth individuals. With an established track record of success from last year’s DeltaCat Re token, which is positioned to provide investors with an annualized return of 45%, this could help bring further interest to the company’s EpsilonCat Re token offering.

SurancePlus, the Web3-focused arm of Oxbridge Re Holdings Limited, continues to receive recognition from industry publications for their successful pioneering RWA tokenization achievements in the world of reinsurance. On a standalone basis, SurancePlus’ potential peers, Nayms and Re, have secured meaningful valuations recently, which could provide some guidance and estimate as to the potential value of the Web3-focused business.

Overall, RWA tokenization growth is still in the early innings. Factor in the forecasted growth and demand for reinsurance, and Oxbridge Re may have found an incredible opportunity to capitalize in the coming years ahead.

Disclaimer:

Certain statements that we make may constitute “forward-looking statements” under the Private Securities Litigation Reform Act of 1995. Forward-looking statements include information concerning future strategic objectives, business prospects, anticipated savings, financial results (including expenses, earnings, liquidity, cash flow and capital expenditures), industry or market conditions, demand for and pricing of our products, acquisitions and divestitures, anticipated results of litigation and regulatory developments or general economic conditions. In addition, words such as “believes,” “expects,” “anticipates,” “intends,” “plans,” “estimates,” “projects,” “forecasts,” and future or conditional verbs such as “will,” “may,” “could,” “should,” and “would,” as well as any other statement that necessarily depends on future events, are intended to identify forward-looking statements. Forward-looking statements are not guarantees, and they involve risks, uncertainties and assumptions. Although we make such statements based on assumptions that we believe to be reasonable, there can be no assurance that actual results will not differ materially from those expressed in the forward-looking statements. We caution investors not to rely unduly on any forward-looking statements and urge you to carefully consider the risks described in filings with the Securities and Exchange Commission from time to time, including our most recent Annual Report on Form 10-K and subsequent Forms 10-Q, which are available on OxbridgeRe.com and the SEC’s website at sec.gov. We expressly disclaim any obligation to update any forward-looking statement in the event it later turns out to be inaccurate, whether as a result of new information, future events or otherwise.

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