*Армия Беларуси:*
Нарукавный знак Особого отряда специального назначения 5 отдельной бригады специального назначения Вооруженных сил Республики Беларусь. Нарукавный знак Особого отряда...via forma full 5 https://ift.tt/GOWEyZn Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
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Нарукавный знак Особого отряда специального назначения 5 отдельной бригады специального назначения Вооруженных сил Республики Беларусь. Нарукавный знак Особого отряда...via forma full 5 https://ift.tt/GOWEyZn Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
[Read more...](https://analogindex.livejournal.com/3581440.html)
Forma-Odezhda
Армия Беларуси: Нарукавные знаки Cил специального назначения
Узнайте о Армия Беларуси: Нарукавные знаки Cил специального назначения в энциклопедии магазина Форма одежды.
Армия Беларуси:
Нарукавный знак Особого отряда специального назначения 5 отдельной бригады специального назначения Вооруженных сил Республики Беларусь. Нарукавный знак Особого отряда...via forma full 5 https://ift.tt/GOWEyZn Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
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Нарукавный знак Особого отряда специального назначения 5 отдельной бригады специального назначения Вооруженных сил Республики Беларусь. Нарукавный знак Особого отряда...via forma full 5 https://ift.tt/GOWEyZn Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
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Forma-Odezhda
Армия Беларуси: Нарукавные знаки Cил специального назначения
Узнайте о Армия Беларуси: Нарукавные знаки Cил специального назначения в энциклопедии магазина Форма одежды.
*Instagram is still plagued by a disturbing issue that Meta says it's making headway on solving*
Social media algorithms and the way they work is one of the most ardently kept secrets in Silicon Valley. The algorithms are the engines that drive the user experience, and similar to artificial intelligence, the way they operate is reliant on the data that is fed into them. Related: Elon Musk sues Media Matters, seeks damages from critical article Over the weekend, an unsealed complaint in a lawsuit filed against Meta Platforms (META) - Get Free Report by 33 states alleges that despite the company publicly stating that Instagram is only for users 13 and older, the company is not only allowing kids under the age of 13 to use the platform, but that the company has also "coveted and pursued" that demographic for years. On Monday, the Wall Street Journal published a report showing that IG's algorithm pushes "doses of siliceous content" to adult accounts that follow mostly children, "including risqué footage of children as well as overtly sexual adult videos." The Journal set up test accounts that follow only young gymnasts, cheerleaders, and teen and preteen influencers that are active on the platform. The Journal decided to conduct the experiment after the paper said it noticed that "large numbers of adult men" are prevalent followers of some of those accounts. "In a stream of videos recommended by Instagram, an ad for the dating app Bumble appeared between a video of someone stroking the face of a life-size latex doll and a video of a young girl with a digitally obscured face lifting up her shirt to expose her midriff. In another, a Pizza Hut commercial followed a video of a man lying on a bed with his arm around what the caption said was a 10-year-old girl," the Journal reported. This report follows a previous Journal article showing that Facebook and Instagram connect large communities of users interested in pedophelic content. For the most recent report, a Meta spokesman told the Journal that the company has expanded its automated systems for detecting offending users and has taken down thousands of those accounts each month. “Our systems are effective at reducing harmful content, and we’ve invested billions in safety, security and brand suitability solutions,” said Samantha Stetson, a Meta vice president who handles relations with the advertising industry. Media companies have taken to exposing social media companies for their foibles, but the investigative journalism has come at a cost. Elon Musk and X are suing Media Matters over an article that cost the company about $75 million in advertising money (and counting) because its story allegedly does not accurately depict the average user experience on the site. Media Matters, Musk and X allege, only followed white supremacists and the accounts of some of X's largest advertisers during its experiment to show that advertising was being shown next to offensive content. The Journal's experiment was similar, in that it curated an experience with the express intent to find out if what they feared — that the algorithm pushes sexually suggestive content about children to certain users — was true. Get investment guidance from trusted portfolio managers without the management fees. Sign up for Action Alerts PLUS now.
[Read more...](https://www.thestreet.com/social-media/instagram-isnt-safe-for-children)
Social media algorithms and the way they work is one of the most ardently kept secrets in Silicon Valley. The algorithms are the engines that drive the user experience, and similar to artificial intelligence, the way they operate is reliant on the data that is fed into them. Related: Elon Musk sues Media Matters, seeks damages from critical article Over the weekend, an unsealed complaint in a lawsuit filed against Meta Platforms (META) - Get Free Report by 33 states alleges that despite the company publicly stating that Instagram is only for users 13 and older, the company is not only allowing kids under the age of 13 to use the platform, but that the company has also "coveted and pursued" that demographic for years. On Monday, the Wall Street Journal published a report showing that IG's algorithm pushes "doses of siliceous content" to adult accounts that follow mostly children, "including risqué footage of children as well as overtly sexual adult videos." The Journal set up test accounts that follow only young gymnasts, cheerleaders, and teen and preteen influencers that are active on the platform. The Journal decided to conduct the experiment after the paper said it noticed that "large numbers of adult men" are prevalent followers of some of those accounts. "In a stream of videos recommended by Instagram, an ad for the dating app Bumble appeared between a video of someone stroking the face of a life-size latex doll and a video of a young girl with a digitally obscured face lifting up her shirt to expose her midriff. In another, a Pizza Hut commercial followed a video of a man lying on a bed with his arm around what the caption said was a 10-year-old girl," the Journal reported. This report follows a previous Journal article showing that Facebook and Instagram connect large communities of users interested in pedophelic content. For the most recent report, a Meta spokesman told the Journal that the company has expanded its automated systems for detecting offending users and has taken down thousands of those accounts each month. “Our systems are effective at reducing harmful content, and we’ve invested billions in safety, security and brand suitability solutions,” said Samantha Stetson, a Meta vice president who handles relations with the advertising industry. Media companies have taken to exposing social media companies for their foibles, but the investigative journalism has come at a cost. Elon Musk and X are suing Media Matters over an article that cost the company about $75 million in advertising money (and counting) because its story allegedly does not accurately depict the average user experience on the site. Media Matters, Musk and X allege, only followed white supremacists and the accounts of some of X's largest advertisers during its experiment to show that advertising was being shown next to offensive content. The Journal's experiment was similar, in that it curated an experience with the express intent to find out if what they feared — that the algorithm pushes sexually suggestive content about children to certain users — was true. Get investment guidance from trusted portfolio managers without the management fees. Sign up for Action Alerts PLUS now.
[Read more...](https://www.thestreet.com/social-media/instagram-isnt-safe-for-children)
TheStreet
Instagram is still plagued by a disturbing issue that Meta says its making headway on solving
An new investigation from the Wall Street Journal shows just how unsafe social media can be for children.
Instagram is still plagued by a disturbing issue that Meta says it's making headway on solving
Social media algorithms and the way they work is one of the most ardently kept secrets in Silicon Valley. The algorithms are the engines that drive the user experience, and similar to artificial intelligence, the way they operate is reliant on the data that is fed into them. Related: Elon Musk sues Media Matters, seeks damages from critical article Over the weekend, an unsealed complaint in a lawsuit filed against Meta Platforms (META) - Get Free Report by 33 states alleges that despite the company publicly stating that Instagram is only for users 13 and older, the company is not only allowing kids under the age of 13 to use the platform, but that the company has also "coveted and pursued" that demographic for years. On Monday, the Wall Street Journal published a report showing that IG's algorithm pushes "doses of siliceous content" to adult accounts that follow mostly children, "including risqué footage of children as well as overtly sexual adult videos." The Journal set up test accounts that follow only young gymnasts, cheerleaders, and teen and preteen influencers that are active on the platform. The Journal decided to conduct the experiment after the paper said it noticed that "large numbers of adult men" are prevalent followers of some of those accounts. "In a stream of videos recommended by Instagram, an ad for the dating app Bumble appeared between a video of someone stroking the face of a life-size latex doll and a video of a young girl with a digitally obscured face lifting up her shirt to expose her midriff. In another, a Pizza Hut commercial followed a video of a man lying on a bed with his arm around what the caption said was a 10-year-old girl," the Journal reported. This report follows a previous Journal article showing that Facebook and Instagram connect large communities of users interested in pedophelic content. For the most recent report, a Meta spokesman told the Journal that the company has expanded its automated systems for detecting offending users and has taken down thousands of those accounts each month. “Our systems are effective at reducing harmful content, and we’ve invested billions in safety, security and brand suitability solutions,” said Samantha Stetson, a Meta vice president who handles relations with the advertising industry. Media companies have taken to exposing social media companies for their foibles, but the investigative journalism has come at a cost. Elon Musk and X are suing Media Matters over an article that cost the company about $75 million in advertising money (and counting) because its story allegedly does not accurately depict the average user experience on the site. Media Matters, Musk and X allege, only followed white supremacists and the accounts of some of X's largest advertisers during its experiment to show that advertising was being shown next to offensive content. The Journal's experiment was similar, in that it curated an experience with the express intent to find out if what they feared — that the algorithm pushes sexually suggestive content about children to certain users — was true. Get investment guidance from trusted portfolio managers without the management fees. Sign up for Action Alerts PLUS now.
Read more...
Social media algorithms and the way they work is one of the most ardently kept secrets in Silicon Valley. The algorithms are the engines that drive the user experience, and similar to artificial intelligence, the way they operate is reliant on the data that is fed into them. Related: Elon Musk sues Media Matters, seeks damages from critical article Over the weekend, an unsealed complaint in a lawsuit filed against Meta Platforms (META) - Get Free Report by 33 states alleges that despite the company publicly stating that Instagram is only for users 13 and older, the company is not only allowing kids under the age of 13 to use the platform, but that the company has also "coveted and pursued" that demographic for years. On Monday, the Wall Street Journal published a report showing that IG's algorithm pushes "doses of siliceous content" to adult accounts that follow mostly children, "including risqué footage of children as well as overtly sexual adult videos." The Journal set up test accounts that follow only young gymnasts, cheerleaders, and teen and preteen influencers that are active on the platform. The Journal decided to conduct the experiment after the paper said it noticed that "large numbers of adult men" are prevalent followers of some of those accounts. "In a stream of videos recommended by Instagram, an ad for the dating app Bumble appeared between a video of someone stroking the face of a life-size latex doll and a video of a young girl with a digitally obscured face lifting up her shirt to expose her midriff. In another, a Pizza Hut commercial followed a video of a man lying on a bed with his arm around what the caption said was a 10-year-old girl," the Journal reported. This report follows a previous Journal article showing that Facebook and Instagram connect large communities of users interested in pedophelic content. For the most recent report, a Meta spokesman told the Journal that the company has expanded its automated systems for detecting offending users and has taken down thousands of those accounts each month. “Our systems are effective at reducing harmful content, and we’ve invested billions in safety, security and brand suitability solutions,” said Samantha Stetson, a Meta vice president who handles relations with the advertising industry. Media companies have taken to exposing social media companies for their foibles, but the investigative journalism has come at a cost. Elon Musk and X are suing Media Matters over an article that cost the company about $75 million in advertising money (and counting) because its story allegedly does not accurately depict the average user experience on the site. Media Matters, Musk and X allege, only followed white supremacists and the accounts of some of X's largest advertisers during its experiment to show that advertising was being shown next to offensive content. The Journal's experiment was similar, in that it curated an experience with the express intent to find out if what they feared — that the algorithm pushes sexually suggestive content about children to certain users — was true. Get investment guidance from trusted portfolio managers without the management fees. Sign up for Action Alerts PLUS now.
Read more...
TheStreet
Instagram is still plagued by a disturbing issue that Meta says its making headway on solving
An new investigation from the Wall Street Journal shows just how unsafe social media can be for children.
*An Artist Turned a $9 Goodwill Dollhouse into a Giant Gingerbread Castle*
It looks good enough to eat. READ MORE...
[Read more...](https://www.apartmenttherapy.com/goodwill-dollhouse-gingerbread-castle-37346991?utm_source=RSS&utm_medium=feed&utm_campaign=Category%2FChannel%3A+main)
It looks good enough to eat. READ MORE...
[Read more...](https://www.apartmenttherapy.com/goodwill-dollhouse-gingerbread-castle-37346991?utm_source=RSS&utm_medium=feed&utm_campaign=Category%2FChannel%3A+main)
*Stellantis CEO has bad news for the future of EVs*
The upcoming year is expected to be a bright and busy one for auto manufacturers, however one of the major players in Detroit and in Europe is preparing for dark clouds.Related: Key Tesla investor says latest launch could be a big boon for the brand In a report published by Automotive News (AN), Stellantis (STLA) - Get Free Report CEO Carlos Tavares is anticipating slower EV adoption because of the air around two key events next year. "There are two important elections next year — the European Parliament elections in June and the U.S. elections in November. It could be that politics will be different then," Tavares told AN. The figurehead of the transatlantic auto giant said that they would have to change their EV outlook if the political picture is an "unfavorable one for EVs," especially if CO2 regulations are rolled back in Europe or the United States. The Dodge Ram 1500 REV electric truck sits on display at the North American International Auto Show. Anadolu Agency/Getty Images "One of my tasks is to prepare the company for new framework conditions," said Tavares. "We have plans prepared for this." Although the upcoming U.S. presidential election is still a year away, the outlook on the political climate is not a mostly positive one when it comes to the automotive electrification push, even for the most seasoned automakers. In an October 2023 interview with The New York Times, Ford exec and great grandson of Henry Ford, Bill Ford said that he "never thought I would see the day when our products were so heavily politicized," referring to the brand's EV lineup that includes the likes of the F-150 Lightning pickup truck and the Mustang Mach-E crossover. More Business of EVs:A full list of EVs and hybrids that qualify for federal tax creditsHere’s why EV experts are flaming Joe Biden’s car policyThe EV industry is facing an unusual new problem Stellantis is currently running with its Dare Forward 2030 plan, which aims for all sales of new cars and trucks in Europe and half in the United States to be fully-electric models. Last week, New Jersey joined ten other states, including New York and Virginia in adopting a California rule aimed at phasing out gas-powered cars and light trucks by the 2035 model year. Action Alerts PLUS offers expert portfolio guidance to help you make informed investing decisions. Sign up now.
[Read more...](https://www.thestreet.com/electric-vehicles/stellantis-ceo-has-bad-news-for-the-future-of-evs)
The upcoming year is expected to be a bright and busy one for auto manufacturers, however one of the major players in Detroit and in Europe is preparing for dark clouds.Related: Key Tesla investor says latest launch could be a big boon for the brand In a report published by Automotive News (AN), Stellantis (STLA) - Get Free Report CEO Carlos Tavares is anticipating slower EV adoption because of the air around two key events next year. "There are two important elections next year — the European Parliament elections in June and the U.S. elections in November. It could be that politics will be different then," Tavares told AN. The figurehead of the transatlantic auto giant said that they would have to change their EV outlook if the political picture is an "unfavorable one for EVs," especially if CO2 regulations are rolled back in Europe or the United States. The Dodge Ram 1500 REV electric truck sits on display at the North American International Auto Show. Anadolu Agency/Getty Images "One of my tasks is to prepare the company for new framework conditions," said Tavares. "We have plans prepared for this." Although the upcoming U.S. presidential election is still a year away, the outlook on the political climate is not a mostly positive one when it comes to the automotive electrification push, even for the most seasoned automakers. In an October 2023 interview with The New York Times, Ford exec and great grandson of Henry Ford, Bill Ford said that he "never thought I would see the day when our products were so heavily politicized," referring to the brand's EV lineup that includes the likes of the F-150 Lightning pickup truck and the Mustang Mach-E crossover. More Business of EVs:A full list of EVs and hybrids that qualify for federal tax creditsHere’s why EV experts are flaming Joe Biden’s car policyThe EV industry is facing an unusual new problem Stellantis is currently running with its Dare Forward 2030 plan, which aims for all sales of new cars and trucks in Europe and half in the United States to be fully-electric models. Last week, New Jersey joined ten other states, including New York and Virginia in adopting a California rule aimed at phasing out gas-powered cars and light trucks by the 2035 model year. Action Alerts PLUS offers expert portfolio guidance to help you make informed investing decisions. Sign up now.
[Read more...](https://www.thestreet.com/electric-vehicles/stellantis-ceo-has-bad-news-for-the-future-of-evs)
TheStreet
Stellantis CEO has bad news for the future of EVs
The head of the Detroit-European auto giant has a stark prediction.
Stellantis CEO has bad news for the future of EVs
The upcoming year is expected to be a bright and busy one for auto manufacturers, however one of the major players in Detroit and in Europe is preparing for dark clouds.Related: Key Tesla investor says latest launch could be a big boon for the brand In a report published by Automotive News (AN), Stellantis (STLA) - Get Free Report CEO Carlos Tavares is anticipating slower EV adoption because of the air around two key events next year. "There are two important elections next year — the European Parliament elections in June and the U.S. elections in November. It could be that politics will be different then," Tavares told AN. The figurehead of the transatlantic auto giant said that they would have to change their EV outlook if the political picture is an "unfavorable one for EVs," especially if CO2 regulations are rolled back in Europe or the United States. The Dodge Ram 1500 REV electric truck sits on display at the North American International Auto Show. Anadolu Agency/Getty Images "One of my tasks is to prepare the company for new framework conditions," said Tavares. "We have plans prepared for this." Although the upcoming U.S. presidential election is still a year away, the outlook on the political climate is not a mostly positive one when it comes to the automotive electrification push, even for the most seasoned automakers. In an October 2023 interview with The New York Times, Ford exec and great grandson of Henry Ford, Bill Ford said that he "never thought I would see the day when our products were so heavily politicized," referring to the brand's EV lineup that includes the likes of the F-150 Lightning pickup truck and the Mustang Mach-E crossover. More Business of EVs:A full list of EVs and hybrids that qualify for federal tax creditsHere’s why EV experts are flaming Joe Biden’s car policyThe EV industry is facing an unusual new problem Stellantis is currently running with its Dare Forward 2030 plan, which aims for all sales of new cars and trucks in Europe and half in the United States to be fully-electric models. Last week, New Jersey joined ten other states, including New York and Virginia in adopting a California rule aimed at phasing out gas-powered cars and light trucks by the 2035 model year. Action Alerts PLUS offers expert portfolio guidance to help you make informed investing decisions. Sign up now.
Read more...
The upcoming year is expected to be a bright and busy one for auto manufacturers, however one of the major players in Detroit and in Europe is preparing for dark clouds.Related: Key Tesla investor says latest launch could be a big boon for the brand In a report published by Automotive News (AN), Stellantis (STLA) - Get Free Report CEO Carlos Tavares is anticipating slower EV adoption because of the air around two key events next year. "There are two important elections next year — the European Parliament elections in June and the U.S. elections in November. It could be that politics will be different then," Tavares told AN. The figurehead of the transatlantic auto giant said that they would have to change their EV outlook if the political picture is an "unfavorable one for EVs," especially if CO2 regulations are rolled back in Europe or the United States. The Dodge Ram 1500 REV electric truck sits on display at the North American International Auto Show. Anadolu Agency/Getty Images "One of my tasks is to prepare the company for new framework conditions," said Tavares. "We have plans prepared for this." Although the upcoming U.S. presidential election is still a year away, the outlook on the political climate is not a mostly positive one when it comes to the automotive electrification push, even for the most seasoned automakers. In an October 2023 interview with The New York Times, Ford exec and great grandson of Henry Ford, Bill Ford said that he "never thought I would see the day when our products were so heavily politicized," referring to the brand's EV lineup that includes the likes of the F-150 Lightning pickup truck and the Mustang Mach-E crossover. More Business of EVs:A full list of EVs and hybrids that qualify for federal tax creditsHere’s why EV experts are flaming Joe Biden’s car policyThe EV industry is facing an unusual new problem Stellantis is currently running with its Dare Forward 2030 plan, which aims for all sales of new cars and trucks in Europe and half in the United States to be fully-electric models. Last week, New Jersey joined ten other states, including New York and Virginia in adopting a California rule aimed at phasing out gas-powered cars and light trucks by the 2035 model year. Action Alerts PLUS offers expert portfolio guidance to help you make informed investing decisions. Sign up now.
Read more...
TheStreet
Stellantis CEO has bad news for the future of EVs
The head of the Detroit-European auto giant has a stark prediction.
*Подошвы кроссовок*
Фитнес, бег, командные виды спорта, паркур, занятия в зале и на улице требуют определенного типа подошвы спортивной обуви. Например, баскетбольные кроссовки для улицы имеют протектор в виде елочки , иначе игрок будет ...via forma full 5 https://ift.tt/x2XcPMn Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
[Read more...](https://analogindex.livejournal.com/3580841.html)
Фитнес, бег, командные виды спорта, паркур, занятия в зале и на улице требуют определенного типа подошвы спортивной обуви. Например, баскетбольные кроссовки для улицы имеют протектор в виде елочки , иначе игрок будет ...via forma full 5 https://ift.tt/x2XcPMn Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
[Read more...](https://analogindex.livejournal.com/3580841.html)
Forma-Odezhda
Подошвы кроссовок - материалы и особенности
Узнайте о Подошвы кроссовок - материалы и особенности в энциклопедии магазина Форма одежды.
Подошвы кроссовок
Фитнес, бег, командные виды спорта, паркур, занятия в зале и на улице требуют определенного типа подошвы спортивной обуви. Например, баскетбольные кроссовки для улицы имеют протектор в виде елочки , иначе игрок будет ...via forma full 5 https://ift.tt/x2XcPMn Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
Read more...
Фитнес, бег, командные виды спорта, паркур, занятия в зале и на улице требуют определенного типа подошвы спортивной обуви. Например, баскетбольные кроссовки для улицы имеют протектор в виде елочки , иначе игрок будет ...via forma full 5 https://ift.tt/x2XcPMn Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
Read more...
Forma-Odezhda
Подошвы кроссовок - материалы и особенности
Узнайте о Подошвы кроссовок - материалы и особенности в энциклопедии магазина Форма одежды.
*Шевроны*
Шеврон (по-русски — стропило ) — знак (изображение) из двух отрезков, соединённых концами под углом, является знаком различия: V -образной формы на униформе...via forma full 5 https://ift.tt/APCrUh6 Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
[Read more...](https://analogindex.livejournal.com/3582359.html)
Шеврон (по-русски — стропило ) — знак (изображение) из двух отрезков, соединённых концами под углом, является знаком различия: V -образной формы на униформе...via forma full 5 https://ift.tt/APCrUh6 Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
[Read more...](https://analogindex.livejournal.com/3582359.html)
Forma-Odezhda
Шевроны
Узнайте о Шевроны в энциклопедии магазина Форма одежды.
Шевроны
Шеврон (по-русски — стропило ) — знак (изображение) из двух отрезков, соединённых концами под углом, является знаком различия: V -образной формы на униформе...via forma full 5 https://ift.tt/APCrUh6 Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
Read more...
Шеврон (по-русски — стропило ) — знак (изображение) из двух отрезков, соединённых концами под углом, является знаком различия: V -образной формы на униформе...via forma full 5 https://ift.tt/APCrUh6 Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
Read more...
Forma-Odezhda
Шевроны
Узнайте о Шевроны в энциклопедии магазина Форма одежды.
*2-year bond auction sees slump in foreign demand; 5-year sale results mixed*
Updated at 1:10 PM EST The U.S. Treasury saw another slump in demand for its latest benchmark bond auction Monday as the government continues to boost it overall bond sales and investors eye a key inflation reading later in the week. Investors placed bids worth $137.2 billion for the $54 billion in paper on offer at a yields 4.887%, a level that represents a so-called bid-to-cover ratio, a key demand indicator, of 2.54. That's down notably from the 2.64 bid-to-cover ratio recorded at the late October auction when the yield was pegged at 5.055%. Today's rate of 4.877% should have made the sale moderately less attractive to investors, given that the entry price would be higher, and primary dealers in the Fed's auction system ended up buying around 18.76% of the issue, up more than a percentage point from October and the highest total since April. Foreign investors were also reluctant, according to auction data, taking down just 57.38%, down from 66.86% at the prior sale. A $55 billion sale of 5-year notes, however, drew firmer interest with foreign investors taking 65.5% of the total on offer, up from 61.5% at the last auction in October, although the overall bid-to-cover ratio weakened to 2.46 from 2.36 as the auction yield fell 47 basis points to 4.899%. The Treasury unveiled its new auction schedules and sizes earlier this month, as part of its broader effort to fund the government's record $1.7 trillion deficit. The auction sizes themselves are the largest since 2021. The update followed a cut to its current quarter borrowing forecast to by $76 billion, to $776 billion, amid what it called better-than-expected tax receipts from the resilient domestic economy, some of which were deferred as part of disaster relief efforts in California. Benchmark 2-year notes were last seen trading at 4.918%, around 4 basis points higher from pre-auction levels, while 10-year notes eased to 4.435%. The Bureau of Economic Analysis will published its October inflation report Thursday, with investors looking for the Federal Reserve's preferred gauge, the core PCE Price Index, to ease 20 basis points to an annual rate of 3.5%.Action Alerts PLUS offers expert portfolio guidance to help you make informed investing decisions. Sign up now.
[Read more...](https://www.thestreet.com/investing/2-year-bond-auction-sees-slump-in-foreign-demand-5-year-sale-on-deck)
Updated at 1:10 PM EST The U.S. Treasury saw another slump in demand for its latest benchmark bond auction Monday as the government continues to boost it overall bond sales and investors eye a key inflation reading later in the week. Investors placed bids worth $137.2 billion for the $54 billion in paper on offer at a yields 4.887%, a level that represents a so-called bid-to-cover ratio, a key demand indicator, of 2.54. That's down notably from the 2.64 bid-to-cover ratio recorded at the late October auction when the yield was pegged at 5.055%. Today's rate of 4.877% should have made the sale moderately less attractive to investors, given that the entry price would be higher, and primary dealers in the Fed's auction system ended up buying around 18.76% of the issue, up more than a percentage point from October and the highest total since April. Foreign investors were also reluctant, according to auction data, taking down just 57.38%, down from 66.86% at the prior sale. A $55 billion sale of 5-year notes, however, drew firmer interest with foreign investors taking 65.5% of the total on offer, up from 61.5% at the last auction in October, although the overall bid-to-cover ratio weakened to 2.46 from 2.36 as the auction yield fell 47 basis points to 4.899%. The Treasury unveiled its new auction schedules and sizes earlier this month, as part of its broader effort to fund the government's record $1.7 trillion deficit. The auction sizes themselves are the largest since 2021. The update followed a cut to its current quarter borrowing forecast to by $76 billion, to $776 billion, amid what it called better-than-expected tax receipts from the resilient domestic economy, some of which were deferred as part of disaster relief efforts in California. Benchmark 2-year notes were last seen trading at 4.918%, around 4 basis points higher from pre-auction levels, while 10-year notes eased to 4.435%. The Bureau of Economic Analysis will published its October inflation report Thursday, with investors looking for the Federal Reserve's preferred gauge, the core PCE Price Index, to ease 20 basis points to an annual rate of 3.5%.Action Alerts PLUS offers expert portfolio guidance to help you make informed investing decisions. Sign up now.
[Read more...](https://www.thestreet.com/investing/2-year-bond-auction-sees-slump-in-foreign-demand-5-year-sale-on-deck)
TheStreet
2-year bond auction sees slump in foreign demand; 5-year sale on deck
The Treasury saw a slump in overall demand for its 2-year auction Monday as it looks to sell raise around $109 billion from two benchmark sales.
2-year bond auction sees slump in foreign demand; 5-year sale results mixed
Updated at 1:10 PM EST The U.S. Treasury saw another slump in demand for its latest benchmark bond auction Monday as the government continues to boost it overall bond sales and investors eye a key inflation reading later in the week. Investors placed bids worth $137.2 billion for the $54 billion in paper on offer at a yields 4.887%, a level that represents a so-called bid-to-cover ratio, a key demand indicator, of 2.54. That's down notably from the 2.64 bid-to-cover ratio recorded at the late October auction when the yield was pegged at 5.055%. Today's rate of 4.877% should have made the sale moderately less attractive to investors, given that the entry price would be higher, and primary dealers in the Fed's auction system ended up buying around 18.76% of the issue, up more than a percentage point from October and the highest total since April. Foreign investors were also reluctant, according to auction data, taking down just 57.38%, down from 66.86% at the prior sale. A $55 billion sale of 5-year notes, however, drew firmer interest with foreign investors taking 65.5% of the total on offer, up from 61.5% at the last auction in October, although the overall bid-to-cover ratio weakened to 2.46 from 2.36 as the auction yield fell 47 basis points to 4.899%. The Treasury unveiled its new auction schedules and sizes earlier this month, as part of its broader effort to fund the government's record $1.7 trillion deficit. The auction sizes themselves are the largest since 2021. The update followed a cut to its current quarter borrowing forecast to by $76 billion, to $776 billion, amid what it called better-than-expected tax receipts from the resilient domestic economy, some of which were deferred as part of disaster relief efforts in California. Benchmark 2-year notes were last seen trading at 4.918%, around 4 basis points higher from pre-auction levels, while 10-year notes eased to 4.435%. The Bureau of Economic Analysis will published its October inflation report Thursday, with investors looking for the Federal Reserve's preferred gauge, the core PCE Price Index, to ease 20 basis points to an annual rate of 3.5%.Action Alerts PLUS offers expert portfolio guidance to help you make informed investing decisions. Sign up now.
Read more...
Updated at 1:10 PM EST The U.S. Treasury saw another slump in demand for its latest benchmark bond auction Monday as the government continues to boost it overall bond sales and investors eye a key inflation reading later in the week. Investors placed bids worth $137.2 billion for the $54 billion in paper on offer at a yields 4.887%, a level that represents a so-called bid-to-cover ratio, a key demand indicator, of 2.54. That's down notably from the 2.64 bid-to-cover ratio recorded at the late October auction when the yield was pegged at 5.055%. Today's rate of 4.877% should have made the sale moderately less attractive to investors, given that the entry price would be higher, and primary dealers in the Fed's auction system ended up buying around 18.76% of the issue, up more than a percentage point from October and the highest total since April. Foreign investors were also reluctant, according to auction data, taking down just 57.38%, down from 66.86% at the prior sale. A $55 billion sale of 5-year notes, however, drew firmer interest with foreign investors taking 65.5% of the total on offer, up from 61.5% at the last auction in October, although the overall bid-to-cover ratio weakened to 2.46 from 2.36 as the auction yield fell 47 basis points to 4.899%. The Treasury unveiled its new auction schedules and sizes earlier this month, as part of its broader effort to fund the government's record $1.7 trillion deficit. The auction sizes themselves are the largest since 2021. The update followed a cut to its current quarter borrowing forecast to by $76 billion, to $776 billion, amid what it called better-than-expected tax receipts from the resilient domestic economy, some of which were deferred as part of disaster relief efforts in California. Benchmark 2-year notes were last seen trading at 4.918%, around 4 basis points higher from pre-auction levels, while 10-year notes eased to 4.435%. The Bureau of Economic Analysis will published its October inflation report Thursday, with investors looking for the Federal Reserve's preferred gauge, the core PCE Price Index, to ease 20 basis points to an annual rate of 3.5%.Action Alerts PLUS offers expert portfolio guidance to help you make informed investing decisions. Sign up now.
Read more...
TheStreet
2-year bond auction sees slump in foreign demand; 5-year sale on deck
The Treasury saw a slump in overall demand for its 2-year auction Monday as it looks to sell raise around $109 billion from two benchmark sales.
*The World Bank just stepped in to save this floundering airline*
While many smaller airlines fail to take off and shutter just like businesses do, the situation becomes significantly more complicated when the matter concerns a country’s national carrier. When travel ground to a halt during the Covid pandemic in 2020 and 2021, Congress approved a $25 billion bailout plan for airlines such as Delta (DAL) - Get Free Report, American Airlines (AAL) - Get Free Report and United (UAL) - Get Free Report. Air France-KLM (AFRAF) - Get Free Report received €10 billion in Europe while Singapore Airlines (SINGF) - Get Free Report and AirAsia (AIABF) - Get Free Report received similar rescue packages over in Asia.Related: Travel chaos is so bad airlines are asking the government for help While demand for travel bounced back so much that many airlines are now struggling to find the staff necessary to meet it, some airlines have been gripped with challenges around the rising cost of fuel as well as making the investments necessary for growth now.Airline’s success will depend on these investment choices When he stepped in as the new CEO of Madagascar Airlines in 2022, Thierry de Balleuil committed to the new “Phénix 2030” turnaround plan aimed at improving the finances of the African country’s primary airline. In its efforts to rebrand from Air Madagascar and relaunch long-haul flights after the pandemic, the airline accumulated over $25 million in debt in less than a year and $36 million over the course of 18 months. More Travel:A new travel term is taking over the internet (and reaching airlines and hotels)The 10 best airline stocks to buy nowAirlines see a new kind of traveler at the front of the plane Early “Phénix 2030” plans included canceling its plans to lease mid-range Embraer E190-E2 (ERJ) - Get Free Report planes and putting off plans to restart its international and domestic networks but, as first reported by aviation news outlet SimpleFlying, the airline will also receive funding from the World Bank. While the exact amount is to be worked in meetings between World Bank representatives and Madagascar’s Ministers of Transportation and Finance taking place this month, funds will come as a loan to the country’s government which will then be given to the airline. Madagascar’s government had formerly agreed to lend the airline $20 million for the lease of the Embraers before the commitment was scrapped for a more drastic turnaround plan. De Bailleul said that the airline’s future will depend on making the “reasonable fleet and investment" choices that will allow the airline to start bringing in profit domestically before taking on more international routes.‘It is too early for Madagascar Airlines to bet on an Embraer 190 E2…’ “After reflection, we considered that this type of aircraft is less adapted to our specific needs in Madagascar,” de Bailleul said of the scrapped plans to lease the Embraers earlier this month. “It is too early for Madagascar Airlines to bet on an Embraer 190-E2." Preliminary plans for the World Bank funds include the first phase, which will focus on repaying what is currently owed under the IATA Financial Settlement Program (FSP), securing fleet and improving its digital software systems and the second phase, which will focus on making a dent in the debt the airline has taken on since April 2022. “This situation had the effect of triggering a vicious circle,” the airline formerly said of its accumulating debt. “Heavy operating losses on long-haul quickly dried up the company’s cash-flow, leading to the impossibility of paying our suppliers — including for parts and maintenance equipment.”
[Read more...](https://www.thestreet.com/travel/world-bank-saving-madagascar-airlines)
While many smaller airlines fail to take off and shutter just like businesses do, the situation becomes significantly more complicated when the matter concerns a country’s national carrier. When travel ground to a halt during the Covid pandemic in 2020 and 2021, Congress approved a $25 billion bailout plan for airlines such as Delta (DAL) - Get Free Report, American Airlines (AAL) - Get Free Report and United (UAL) - Get Free Report. Air France-KLM (AFRAF) - Get Free Report received €10 billion in Europe while Singapore Airlines (SINGF) - Get Free Report and AirAsia (AIABF) - Get Free Report received similar rescue packages over in Asia.Related: Travel chaos is so bad airlines are asking the government for help While demand for travel bounced back so much that many airlines are now struggling to find the staff necessary to meet it, some airlines have been gripped with challenges around the rising cost of fuel as well as making the investments necessary for growth now.Airline’s success will depend on these investment choices When he stepped in as the new CEO of Madagascar Airlines in 2022, Thierry de Balleuil committed to the new “Phénix 2030” turnaround plan aimed at improving the finances of the African country’s primary airline. In its efforts to rebrand from Air Madagascar and relaunch long-haul flights after the pandemic, the airline accumulated over $25 million in debt in less than a year and $36 million over the course of 18 months. More Travel:A new travel term is taking over the internet (and reaching airlines and hotels)The 10 best airline stocks to buy nowAirlines see a new kind of traveler at the front of the plane Early “Phénix 2030” plans included canceling its plans to lease mid-range Embraer E190-E2 (ERJ) - Get Free Report planes and putting off plans to restart its international and domestic networks but, as first reported by aviation news outlet SimpleFlying, the airline will also receive funding from the World Bank. While the exact amount is to be worked in meetings between World Bank representatives and Madagascar’s Ministers of Transportation and Finance taking place this month, funds will come as a loan to the country’s government which will then be given to the airline. Madagascar’s government had formerly agreed to lend the airline $20 million for the lease of the Embraers before the commitment was scrapped for a more drastic turnaround plan. De Bailleul said that the airline’s future will depend on making the “reasonable fleet and investment" choices that will allow the airline to start bringing in profit domestically before taking on more international routes.‘It is too early for Madagascar Airlines to bet on an Embraer 190 E2…’ “After reflection, we considered that this type of aircraft is less adapted to our specific needs in Madagascar,” de Bailleul said of the scrapped plans to lease the Embraers earlier this month. “It is too early for Madagascar Airlines to bet on an Embraer 190-E2." Preliminary plans for the World Bank funds include the first phase, which will focus on repaying what is currently owed under the IATA Financial Settlement Program (FSP), securing fleet and improving its digital software systems and the second phase, which will focus on making a dent in the debt the airline has taken on since April 2022. “This situation had the effect of triggering a vicious circle,” the airline formerly said of its accumulating debt. “Heavy operating losses on long-haul quickly dried up the company’s cash-flow, leading to the impossibility of paying our suppliers — including for parts and maintenance equipment.”
[Read more...](https://www.thestreet.com/travel/world-bank-saving-madagascar-airlines)
TheStreet
The World Bank just stepped in to save this floundering airline
The “Phénix 2030” plan includes several steps aimed at turning the airline’s finances around.
The World Bank just stepped in to save this floundering airline
While many smaller airlines fail to take off and shutter just like businesses do, the situation becomes significantly more complicated when the matter concerns a country’s national carrier. When travel ground to a halt during the Covid pandemic in 2020 and 2021, Congress approved a $25 billion bailout plan for airlines such as Delta (DAL) - Get Free Report, American Airlines (AAL) - Get Free Report and United (UAL) - Get Free Report. Air France-KLM (AFRAF) - Get Free Report received €10 billion in Europe while Singapore Airlines (SINGF) - Get Free Report and AirAsia (AIABF) - Get Free Report received similar rescue packages over in Asia.Related: Travel chaos is so bad airlines are asking the government for help While demand for travel bounced back so much that many airlines are now struggling to find the staff necessary to meet it, some airlines have been gripped with challenges around the rising cost of fuel as well as making the investments necessary for growth now.Airline’s success will depend on these investment choices When he stepped in as the new CEO of Madagascar Airlines in 2022, Thierry de Balleuil committed to the new “Phénix 2030” turnaround plan aimed at improving the finances of the African country’s primary airline. In its efforts to rebrand from Air Madagascar and relaunch long-haul flights after the pandemic, the airline accumulated over $25 million in debt in less than a year and $36 million over the course of 18 months. More Travel:A new travel term is taking over the internet (and reaching airlines and hotels)The 10 best airline stocks to buy nowAirlines see a new kind of traveler at the front of the plane Early “Phénix 2030” plans included canceling its plans to lease mid-range Embraer E190-E2 (ERJ) - Get Free Report planes and putting off plans to restart its international and domestic networks but, as first reported by aviation news outlet SimpleFlying, the airline will also receive funding from the World Bank. While the exact amount is to be worked in meetings between World Bank representatives and Madagascar’s Ministers of Transportation and Finance taking place this month, funds will come as a loan to the country’s government which will then be given to the airline. Madagascar’s government had formerly agreed to lend the airline $20 million for the lease of the Embraers before the commitment was scrapped for a more drastic turnaround plan. De Bailleul said that the airline’s future will depend on making the “reasonable fleet and investment" choices that will allow the airline to start bringing in profit domestically before taking on more international routes.‘It is too early for Madagascar Airlines to bet on an Embraer 190 E2…’ “After reflection, we considered that this type of aircraft is less adapted to our specific needs in Madagascar,” de Bailleul said of the scrapped plans to lease the Embraers earlier this month. “It is too early for Madagascar Airlines to bet on an Embraer 190-E2." Preliminary plans for the World Bank funds include the first phase, which will focus on repaying what is currently owed under the IATA Financial Settlement Program (FSP), securing fleet and improving its digital software systems and the second phase, which will focus on making a dent in the debt the airline has taken on since April 2022. “This situation had the effect of triggering a vicious circle,” the airline formerly said of its accumulating debt. “Heavy operating losses on long-haul quickly dried up the company’s cash-flow, leading to the impossibility of paying our suppliers — including for parts and maintenance equipment.”
Read more...
While many smaller airlines fail to take off and shutter just like businesses do, the situation becomes significantly more complicated when the matter concerns a country’s national carrier. When travel ground to a halt during the Covid pandemic in 2020 and 2021, Congress approved a $25 billion bailout plan for airlines such as Delta (DAL) - Get Free Report, American Airlines (AAL) - Get Free Report and United (UAL) - Get Free Report. Air France-KLM (AFRAF) - Get Free Report received €10 billion in Europe while Singapore Airlines (SINGF) - Get Free Report and AirAsia (AIABF) - Get Free Report received similar rescue packages over in Asia.Related: Travel chaos is so bad airlines are asking the government for help While demand for travel bounced back so much that many airlines are now struggling to find the staff necessary to meet it, some airlines have been gripped with challenges around the rising cost of fuel as well as making the investments necessary for growth now.Airline’s success will depend on these investment choices When he stepped in as the new CEO of Madagascar Airlines in 2022, Thierry de Balleuil committed to the new “Phénix 2030” turnaround plan aimed at improving the finances of the African country’s primary airline. In its efforts to rebrand from Air Madagascar and relaunch long-haul flights after the pandemic, the airline accumulated over $25 million in debt in less than a year and $36 million over the course of 18 months. More Travel:A new travel term is taking over the internet (and reaching airlines and hotels)The 10 best airline stocks to buy nowAirlines see a new kind of traveler at the front of the plane Early “Phénix 2030” plans included canceling its plans to lease mid-range Embraer E190-E2 (ERJ) - Get Free Report planes and putting off plans to restart its international and domestic networks but, as first reported by aviation news outlet SimpleFlying, the airline will also receive funding from the World Bank. While the exact amount is to be worked in meetings between World Bank representatives and Madagascar’s Ministers of Transportation and Finance taking place this month, funds will come as a loan to the country’s government which will then be given to the airline. Madagascar’s government had formerly agreed to lend the airline $20 million for the lease of the Embraers before the commitment was scrapped for a more drastic turnaround plan. De Bailleul said that the airline’s future will depend on making the “reasonable fleet and investment" choices that will allow the airline to start bringing in profit domestically before taking on more international routes.‘It is too early for Madagascar Airlines to bet on an Embraer 190 E2…’ “After reflection, we considered that this type of aircraft is less adapted to our specific needs in Madagascar,” de Bailleul said of the scrapped plans to lease the Embraers earlier this month. “It is too early for Madagascar Airlines to bet on an Embraer 190-E2." Preliminary plans for the World Bank funds include the first phase, which will focus on repaying what is currently owed under the IATA Financial Settlement Program (FSP), securing fleet and improving its digital software systems and the second phase, which will focus on making a dent in the debt the airline has taken on since April 2022. “This situation had the effect of triggering a vicious circle,” the airline formerly said of its accumulating debt. “Heavy operating losses on long-haul quickly dried up the company’s cash-flow, leading to the impossibility of paying our suppliers — including for parts and maintenance equipment.”
Read more...
TheStreet
The World Bank just stepped in to save this floundering airline
The “Phénix 2030” plan includes several steps aimed at turning the airline’s finances around.
*Военные чины и знаки*
Персональные ранги военнослужащих французской армии делились на генеральские, офицерские и унтер-офицерские.via forma full 5 https://ift.tt/lZ0k7YD Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
[Read more...](https://analogindex.livejournal.com/3582898.html)
Персональные ранги военнослужащих французской армии делились на генеральские, офицерские и унтер-офицерские.via forma full 5 https://ift.tt/lZ0k7YD Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
[Read more...](https://analogindex.livejournal.com/3582898.html)
Forma-Odezhda
Военные чины и знаки различия армии Наполеона
Узнайте о Военные чины и знаки различия армии Наполеона в энциклопедии магазина Форма одежды.
Военные чины и знаки
Персональные ранги военнослужащих французской армии делились на генеральские, офицерские и унтер-офицерские.via forma full 5 https://ift.tt/lZ0k7YD Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
Read more...
Персональные ранги военнослужащих французской армии делились на генеральские, офицерские и унтер-офицерские.via forma full 5 https://ift.tt/lZ0k7YD Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
Read more...
Forma-Odezhda
Военные чины и знаки различия армии Наполеона
Узнайте о Военные чины и знаки различия армии Наполеона в энциклопедии магазина Форма одежды.
*Форма одежды и знаки*
Органы и Внутренние войска НКВД 1935-1937г. Напомню, что Внутренние войска за годы своего существования претерпевали многочисленные реорганизации, переименования, и т.д. С созданием сразу после октябрьского переворота ...via forma full 5 https://ift.tt/uYKcme5 Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
[Read more...](https://analogindex.livejournal.com/3582631.html)
Органы и Внутренние войска НКВД 1935-1937г. Напомню, что Внутренние войска за годы своего существования претерпевали многочисленные реорганизации, переименования, и т.д. С созданием сразу после октябрьского переворота ...via forma full 5 https://ift.tt/uYKcme5 Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
[Read more...](https://analogindex.livejournal.com/3582631.html)
Forma-Odezhda
Форма одежды и знаки различия НКВД (1935 - 1955)
Узнайте о Форма одежды и знаки различия НКВД (1935 - 1955) в энциклопедии магазина Форма одежды.
Форма одежды и знаки
Органы и Внутренние войска НКВД 1935-1937г. Напомню, что Внутренние войска за годы своего существования претерпевали многочисленные реорганизации, переименования, и т.д. С созданием сразу после октябрьского переворота ...via forma full 5 https://ift.tt/uYKcme5 Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
Read more...
Органы и Внутренние войска НКВД 1935-1937г. Напомню, что Внутренние войска за годы своего существования претерпевали многочисленные реорганизации, переименования, и т.д. С созданием сразу после октябрьского переворота ...via forma full 5 https://ift.tt/uYKcme5 Manage Unsubscribe from these notifications or sign in to manage your Email service.IFTTT Manage on IFTTT: https://ifttt.com/myrecipes/personal/114580525
Read more...
Forma-Odezhda
Форма одежды и знаки различия НКВД (1935 - 1955)
Узнайте о Форма одежды и знаки различия НКВД (1935 - 1955) в энциклопедии магазина Форма одежды.
*6 правил, которые помогут всегда дарить самые лучшие подарки*
Больше не придётся ломать голову над тем, что выбрать для родителей, друзей и даже малознакомых людей.
[Read more...](https://lifehacker.ru/kak-ponyat-chto-mozhno-podarit/)
Больше не придётся ломать голову над тем, что выбрать для родителей, друзей и даже малознакомых людей.
[Read more...](https://lifehacker.ru/kak-ponyat-chto-mozhno-podarit/)