Air pollution exposure during childhood linked directly to adult bronchitis symptoms

A new study brings fresh revelations about the connection between early-life exposure to air pollution and lung health later in life. A research team led by the Keck School of Medicine of USC has shown that exposure to air pollution during childhood is directly associated with bronchitis symptoms as an adult.

To date, many investigations in the field have established intuitive links that are less direct than that: Air pollution exposure while young is consistently associated with lung problems during childhood — and childhood lung problems are consistently associated with lung issues as an adult.

The current study, published in the American Journal of Respiratory and Clinical Care Medicine, is one of only a few to show the direct connection between childhood air pollution exposure and adult lung health, a connection not fully explained by air pollution impacts on lung health during childhood. It opens the possibility of yet-to-be-understood factors explaining the path from early air pollution exposure to respiratory maladies many years later.

The team drew upon the USC Children’s Health Study, a large-scale, decades-long study following cohorts of Southern Californians starting at school-age and, for many participants, continuing into adulthood. Importantly, the link between childhood air pollution exposure and adult bronchitis symptoms persisted even when the researchers adjusted for asthma or bronchitis symptoms early in life — a finding that came as a surprise.

“We would expect that these observable impacts on childhood respiratory health would explain the relationship between childhood air pollution exposure and adult respiratory health,” said corresponding author Erika Garcia, PhD, MPH, assistant professor of population and public health sciences at the Keck School of Medicine. “Our results suggest that childhood air pollution exposure has more subtle effects on our respiratory system that still impact us in adulthood.”

Safeguarding lung health, now and later

The focus on exposure during youth is motivated in part by the fact that children are particularly vulnerable to the effects of air pollution. Their respiratory and immune systems are still developing and compared to adults, they breathe in more air relative to their body mass.

Ultimately the concern is twofold, for the health of young people today and for their future health when they grow up. Notably, among study participants with recent bronchitis symptoms as adults, average childhood exposure to a pollutant called nitrogen dioxide fell far below annual Environmental Protection Agency standards — just a bit over half the limit that was set in 1971 and remains in place today.

“This study highlights the importance of lowering air pollution, and especially exposure during the critical period of childhood,” Garcia said. “Because there’s only so much that we can do as individuals to control our exposure, the need to protect children from the adverse effects of air pollution is better addressed at the policy level.”

The study population comprised 1,308 Children’s Health Study participants with an average age of 32 at their adult assessment. The researchers asked about recent bouts of bronchitis symptoms — having either bronchitis, chronic cough, or congestion or phlegm production not associated with a cold. One-quarter of participants had experienced bronchitis symptoms within the previous 12 months.

Presence of bronchitis symptoms was associated with exposure between birth and age 17 to two types of pollutants. One type groups together tiny particles in the air such as dust, pollen, ash from wildfires, industrial emissions and products from vehicle exhaust. The other, nitrogen dioxide, is a byproduct of combustion in automobiles, planes, boats and power plants that is known to hurt lung function.

Long-running health research proves vital to igniting discovery

For as comprehensive an analysis as possible, average pollutant exposure over childhood was based on month-by-month estimates. The researchers matched up family home address at each time point with contemporaneous local air quality measurements taken by the EPA and through the Children’s Health Study.

“We’re fortunate to have this fantastic and nuanced longitudinal study,” Garcia said. “We can learn a lot about how earlier experiences impact adult health. That’s thanks to a long-term team effort from the participants themselves, their families, the schools they attended and all the research staff and investigators who conducted interviews and generated and analyzed data over the years.”

The current study included additional analyses to rule out factors such as prenatal exposure to nitrogen dioxide, current air pollution exposure as adults and the effects of socioeconomic status in childhood or adulthood as drivers of bronchitis symptoms in adults.

Pollution exposure in youth may hurt lung health for some more than others

Garcia and her colleagues also found that the effect of nitrogen dioxide and particulate matter exposure during childhood on bronchitis symptoms among adults was stronger for those who had been diagnosed with asthma as kids.

“There may be a subpopulation that is more sensitive to the effects of air pollution,” Garcia said. “We may want to be especially careful to protect them from exposure, so we can improve their outcomes later in life. Reducing air pollution would have benefits not only for current asthma in children but also for their respiratory health as they grow into adulthood.”

She and her colleagues are following up to examine how the level of air pollution exposure at different ages during youth influences breathing issues as an adult. Other future research directions building on the current study’s results could include looking into other markers of childhood and adult respiratory health, such as how well asthma was controlled, or exploring a potential genetic component.

About this study

The study’s co-authors are Zoe Birnhak, Scott West, Steve Howland, Rob McConnell, Shohreh. Farzan, Theresa Bastain, Rima Habre and Carrie Breton, all of the Keck School of Medicine; and Frederick Lurmann and Nathan Pavlovic of the environmental consulting firm Sonoma Technology.

This research received support from the National Institutes of Health (UH3OD023287, P30ES007048).

Multiple Choice Questions on Negotiable Instruments Act, 1881

QUESTIONS ON NEGOTIABLE INSTRUMENTS ACT

1. Which of the following is a negotiable instrument as per the Negotiable Instruments Act, 1881?

a) Cheque

b) Fixed Deposit Receipt

c) Letter of Credit

d) All of the above

2. A bill of exchange must be accepted within how many days of presentment for acceptance?

a) 24 hours

b) 48 hours

c) 72 hours

d) 36 hours

3. Which section of the Negotiable Instruments Act defines a promissory note?

a) Section 4

b) Section 5

c) Section 6

d) Section 7

4. Who is primarily liable on a promissory note?

a) Drawer

b) Acceptor

c) Payee

d) Maker

5. What is the maximum period allowed for the presentation of a cheque?

a) 3 months

b) 6 months

c) 1 month

d) 2 months

6. Which of the following is true about a ‘holder in due course’?

a) He is a holder of the instrument who has obtained it for consideration.

b) He has obtained the instrument without consideration.

c) He cannot sue on the instrument in his own name.

d) He does not have any privileges over a holder.

7. Which section of the Negotiable Instruments Act deals with dishonor of cheque for insufficiency of funds?

a) Section 138

b) Section 139

c) Section 140

d) Section 141

8. In the case of dishonor of a cheque, the drawer is liable to imprisonment for a term which may extend to:

a) One year

b) Two years

c) Three years

d) Six months

9. A negotiable instrument can be transferred by:

a) Delivery

b) Endorsement and delivery

c) Only by delivery

d) Only by endorsement

10. Who among the following is not a party to a cheque?

a) Drawer

b) Drawee

c) Acceptor

d) Payee

11. What is the effect of crossing a cheque?

a) It cannot be cashed at the counter.

b) It can only be cashed at the counter.

c) It becomes a bearer cheque.

d) It can be endorsed further.

12. Which of the following is not a type of crossing of cheques?

a) General Crossing

b) Special Crossing

c) Not Negotiable Crossing

d) Limited Crossing

13. A bill of exchange requires acceptance by:

a) Drawer

b) Drawee

c) Payee

d) Endorser

14. An instrument which is payable to order can be negotiated by:

a) Delivery only

b) Endorsement and delivery

c) Mere endorsement

d) Registration

15. Which of the following is not a negotiable instrument under the Negotiable Instruments Act?

a) Cheque

b) Bill of Exchange

c) Share Certificate

d) Promissory Note

16. When the person primarily liable on the instrument makes the payment, it is called:

a) Dishonor

b) Presentment

c) Payment in due course

d) Endorsement

17. Which section of the Negotiable Instruments Act deals with the definition of a cheque?

a) Section 5

b) Section 6

c) Section 7

d) Section 8

18. A cheque is valid for how many months from the date of issue?

a) 1 month

b) 2 months

c) 3 months

d) 6 months

19. In case of a dishonored cheque, the payee must give notice to the drawer within how many days?

a) 15 days

b) 30 days

c) 60 days

d) 90 days

20. Which of the following statements is correct regarding ‘not negotiable’ crossing?

a) The cheque can be endorsed but not further negotiated.

b) The cheque cannot be endorsed.

c) The cheque can be cashed at the counter.

d) The cheque becomes invalid.

21. What is the primary characteristic of a negotiable instrument?

a) Transferability

b) Validity

c) Expiration

d) Specific use

22. Who can cross a cheque?

a) Drawer

b) Holder

c) Banker

d) All of the above

23. Which of the following is not a form of endorsement?

a) Blank endorsement

b) Special endorsement

c) Restrictive endorsement

d) Open endorsement

24. What happens if a cheque is not presented within the stipulated time?

a) It is invalid.

b) It can still be cashed.

c) It must be revalidated by the drawer.

d) It must be endorsed again.

25. What does the term ‘dishonor of cheque’ imply?

a) Cheque is returned unpaid

b) Cheque is paid on presentation

c) Cheque is lost

d) Cheque is endorsed

26. A promissory note must contain:

a) An order to pay

b) A conditional promise to pay

c) An unconditional promise to pay

d) A request to pay

27. Who can endorse a negotiable instrument?

a) Holder

b) Drawer

c) Banker

d) Any third party

28. A bearer cheque can be negotiated by:

a) Endorsement only

b) Delivery only

c) Endorsement and delivery

d) Registration

29. Which of the following instruments is not covered under the Negotiable Instruments Act?

a) Cheque

b) Promissory Note

c) Bill of Exchange

d) Fixed Deposit Receipt

30. The liability of the endorser of a negotiable instrument is:

a) Conditional

b) Absolute

c) Limited

d) Non-existent

ANSWERS

  1. A
  2. B
  3. A
  4. D
  5. A
  6. A
  7. A
  8. B
  9. B
  10. C
  11. A
  12. D
  13. B
  14. B
  15. C
  16. C
  17. B
  18. C
  19. B
  20. A
  21. A
  22. D
  23. D
  24. A
  25. A
  26. C
  27. A
  28. B
  29. D
  30. A
Japan’s tourism surge: Record numbers, rising spending and what travellers should know | Travel

Japan has never seen so many tourists flood into the country so quickly. The yen’s historic collapse, meaning a cheaper traveling experience for those with tourist dollars to spend, coupled with the post-pandemic surge in global tourism, has sparked interest in the nation like never before. More than 14.5 million people arrived in the country in the first five months of this year, according to the Japan National Tourism Organization’s latest figures. That’s 70% up on the same period last year, and on track to beat 2019’s record 31 million visitors.

Japan is experiencing an unprecedented tourism boom, fueled by a historic yen collapse and a surge in global travel. (Unsplash)

The island nation — famed for its dining, cleanliness and mix of futuristic and traditional experiences — currently feels more like a low-cost travel haven than one of the world’s most advanced economies, thanks to extraordinary currency exchange rates. The yen has been stuck at a three-decade low in recent months, making everything from an omakase sushi lunch to premium A5 wagyu steak much more affordable.

Here are six charts to unpack Japan’s unprecedented travel boom:

Lasting momentum

Japan welcomed more than 3 million visitors for a third straight month in May, with the majority coming from South Korea, China and Taiwan. More than a million Americans made the long-haul trip from the US in the first five months of the year — a 50% jump on the same period in 2019. Tourist numbers from 19 markets — including all Group of Seven nations — this year broke their records for May. Chinese tourists have lagged their global counterparts since the beginning of the year, although the gap is closing. Japan has proved to be the top pick for Chinese tourists this summer.

Based on a Bloomberg Intelligence analysis, Japan is set to receive a record 34 million visitors this year, beating by a year a government target for exceeding 2019 visitor numbers. Prime Minister Fumio Kishida has stuck by a longer-term goal of 60 million inbound visitors a year by 2030. In contrast, a lack of overseas purchasing power has discouraged Japanese travelers, and the number heading abroad has still only reached about 60% of its pre-Covid peak.

Spending surge

As the number of visitors increases, so too does the amount of cash they’re spending on their travels. The tourist dollar is going that much further thanks to the weak yen, which has slumped to the lowest level since 1986, and people haven’t been afraid of opening their wallets to snap up bargains from hotels and luxury goods to theme park trips.

Tourists spent a record ¥1.75 trillion in the first quarter of the year, and that figure is likely to surge as the number of Chinese visitors rises. They spend twice as much as the average tourist, according to the Japan Tourism Agency.

Hotel prices

Hotel prices in Japan are rising, but they’re still cheaper than their global peers. The weak yen and the hugely popular cherry blossom season lifted national hotel prices to a near-three decade high in March. The average daily room rate was about ¥20,986 ($136), the highest level since 1997, according to CoStar Group

While Tokyo’s rate was higher, sitting at an average of $177 for the year ending March 2024, the city was a bargain compared to the likes of New York, where the average room cost more than $300 a night, or Singapore, where rates exceeded $250.

Flight demand

More tourists means more transport. Some 37 million flights are scheduled to take off globally this year, according to industry data compiled by BloombergNEF. And a million of those are expected to have landed in Japan by the end of 2024. That’s not been all good news for Japan, with the spiraling number of tourists putting a major strain on local transport and infrastructure.

So, if you’re planning a trip soon, you’re certainly unlikely to be alone. But if you’re hunting for a bargain it could be the perfect moment to take that trip of a lifetime.

Rocket gene therapy rejected by FDA over manufacturing

Dive Brief:

  • The Food and Drug Administration has rejected a gene therapy developed by Rocket Pharmaceuticals for a rare type of inherited immunodeficiency, the biotechnology company disclosed Friday.
  • According to Rocket, the FDA asked for “limited additional” information on what’s known as chemistry, manufacturing and controls — the data detailing the quality and consistency of the final drug product. The company said it has met with the agency to “align” on the scope of that request so it can move quickly to secure an eventual approval. 
  • “It is reassuring to have the FDA as a close collaborator who understands the high unmet medical need, clear clinical benefit and importance of timely patient access,” Rocket CEO Gaurav Shah said in the company’s statement.

Dive Insight:

The FDA doesn’t release complete response letters, meaning descriptions of the agency’s feedback come only from the company involved. Still, Wall Street analysts who spoke with Rocket are convinced the rejection is a speed bump, rather than a dead-end for the drugmaker’s gene therapy, called Kresladi. 

“We strongly suspect that Kresladi’s eventual approval is really just a matter of when — not if,” wrote Dae Gon Ha, an analyst at Stifel, in an investor note.

The FDA had already postponed its decision on Kresladi by three months due to a change in the reviewer overseeing Rocket’s application, meaning the agency couldn’t extend its evaluation of the application further. The complete response letter “strikes us as a reluctant last option for the FDA rather than a reflection of any significant deficiencies with the submission package,” Ha wrote. 

Analysts at William Blair and at Chardan outlined similar views in notes to clients Friday. “We ultimately view the CRL as more related to FDA staffing constraints than Kresladi’s critical quality attributes,” wrote William Blair’s Sami Corwin.

Kresladi is built from a patient’s own stem cells, which Rocket genetically modifies to deliver a functional copy of the gene that’s mutated in the condition the therapy treats. Known as severe leukocyte adhesion deficiency-I, the disease weakens the body’s ability to fight infections. Infants born with it often experience bacterial and fungal infections that require hospitalizations and survival beyond childhood is uncommon without a successful bone marrow transplant. 

All nine patients treated in Rocket’s small study of Kresladi have survived through the duration of the trial’s follow-up, now between 18 to 42 months. Data showed declines in the incidence of significant infections follow treatment, as well as signs of resolution of disease-related skin lesions, per Rocket. 

Even if the FDA’s issues with Rocket’s applications are easily resolved, the rejection is another setback for a field that’s faced notable clinical, regulatory and business hurdles. Manufacturing remains a challenging area for developers, as experienced by Abeona Therapeutics, which saw its skin disease cell therapy rejected by the FDA in April.

Biotechnology companies aren’t the only ones running into issues. Both Daiichi Sankyo and AbbVie have recently received manufacturing-related complete response letters from the FDA for drugs they submitted for approval.

Money in the bank hits $1.48 trillion – new data reveals

Australians tucked an additional $6.53 billion away in the bank in May as household deposits continued to hit record highs.

The total amount saved in the bank from households is now $1.481 trillion – the 11th consecutive record high, according to the latest APRA monthly banking statistics.

This means household deposits have risen by over $210 billion since the start of the rate hikes (April 2022 vs May 2024).

RateCity.com.au research director, Sally Tindall, said:

“Money in the bank has hit a new record high every single month since mid-last year.”

Australians now have $1.48 trillion stashed in the bank – a rise of more than $210 billion since the start of the RBA hikes.

That’s an astonishing buffer considering the financial pressure many households are under.

With tax time right around the corner and extra cash coming down the line via the government’s stage three tax cuts and the electricity bill rebate, this total balance is likely to continue to climb in the second half of the year as many Australians focus on building up their buffers.

A lot of households will use the extra cash from the stage three tax cuts and other government relief to shore up their budget and pay down rising credit card debt, however, those who are managing to stay afloat are likely to bank at least part of this extra cash.”

Total deposits by households, May 2024

Amount Monthly change Year-on-year change Since start of hikes
$1.481 trillion +$6.53 billion
+0.4%
+$101.97 billion
+7.4%
+$210.88 billion
+16.6%

Source: APRA monthly authorised deposit-taking institution statistics.

ANZ’s household deposits to leapfrog NAB’s after Suncorp merger

ANZ currently has the fourth largest value of household deposits on its book, with 11.7 per cent of all household deposits among the banks.

However, Suncorp’s 2.4 per cent share of deposits will see ANZ overtake NAB in terms of the value of household deposits when the two banks merge, taking it to 14.1 per cent or almost $209 billion.

Banks with the largest value of household deposits

Value of household deposits Share of household deposits among ADIs
CBA $392.52 billion 26.5%
Westpac $306.83 billion 20.7%
NAB $203.97 billion 13.8%
ANZ $173.88 billion 11.7%
Macquarie $64.36 billion 4.3%
ING $49.80 billion 3.4%
Bendigo and Adelaide $45.02 billion 3.0%
Suncorp-Metway $35.07 billion 2.4%
ANZ + Suncorp $208.95 billion 14.1%

Source: APRA

Home loan books continue to grow

The total value of housing loans to households – which includes both owner-occupied and investor loans – increased by $11 billion in May, or 0.5 per cent, with all four big banks recording growth in their loan books.

Westpac posted the biggest growth out of the big four banks with a monthly increase of $3 billion, which translates into a 0.6 per cent increase in its loan book.

Macquarie surged ahead again this month with a $1.37 billion rise in the total value of its home loan book (1.2%).

The ANZ-Suncorp merger, when complete, will see ANZ move into third position in the jostle for market share among Australia’s largest home loan lenders.

NAB and ANZ currently have 14.5 per cent and 13.6 per cent share of all ADI loans respectively, however, ANZ’s share is set to rise to 16.0 per cent with the merger.

Big four banks + Macquarie + Suncorp: loans to households, housing: May 2024

  Amount Monthly change Year-on-year change Current share of ADI* market (May)
CBA $554.84 billion +$2.93 billion
0.5%
+$10.42 billion
+1.9%
25.2%
Westpac $472.48 billion +$3.02 billion
+0.6%
+$26.47 billion
+5.9%
21.5%
NAB $319.28 billion +$135 million
+0.0%
+$10.81 billion
+3.5%
14.5%
ANZ $298.23 billion +$1.70 billion
0.6%
+$19.79 billion
+7.1%
13.6%
Macquarie $118.17 billion +$1.37 billion
+1.2%
+$12.62 billion
+12.0%
5.4%
Suncorp $53.10 billion +$300,000
0.0%
+$2.43 billion
+4.8%
2.4%
All ADI loans $2.200 trillion +$11.09 billion
+0.5%
+$99.09 billion
+4.7%
100%
ANZ + Suncorp $351.32 billion 16.0%

Source: APRA. *Authorised deposit-taking institutions. Note: loans to households: housing is total of both owner-occupier and investor loans as recorded by APRA.

Ms Tindall commented:

“Westpac and Macquarie continued to post strong growth in their residential mortgage books, while ANZ is set to take the reins as Australia’s third largest home loan lender once the Suncorp merger goes through.

The government’s requirement for ANZ to keep both banks’ branches open for the next three years will help settle some nervous Suncorp customers. It has also rightly pressed for the bank to join the Bank@Post program.

Australia Post plays an important role in keeping competition in the banking sector alive, because of the Bank@Post services it provides.

Cash might no longer be king, but there’s still reasonable demand for in-person banking transactions such as depositing and withdrawing cash, and while there are limits to the services Bank@Post can provide it still plays a valuable role across the country.”

I Bring My Still Photos to Life Using These 4 Tools

Key Takeaways

  • Deep Nostalgia uses AI to animate faces in still photos, creating short video clips with realistic movements.
  • Clipfly transforms still images into talking avatars, allowing users to create animated scenes with their portraits or selfies.
  • Cutout.Pro and HitPaw are other easy-to-use tools for animating photos, offering various animation styles and historical photo enhancements.



Animating still photos is a fascinating way to bring them to life. It’s like getting a second chance to create a live photo where you had taken a static one. The best part about animating photos is how easy the process is.

With just your smartphone and an internet connection, you can animate any photo you want. Here’s a walkthrough of four tools you can use to animate your still photos.


Animating a still photo used to mean manually adding “fade in,” “fade out,” and “zoom out” animations to your photos. However, that’s changed with AI tools like Deep Nostalgia. Deep Nostalgia, provided by MyHeritage, is a tool that animates faces in still photos to create short video clips. It uses AI to apply realistic movements to the faces in your images, such as blinking, smiling, or turning the head.

How to Animate Photos Using Deep Nostalgia

The process is simple:


  1. Visit the Deep Nostalgia page on the MyHeritage website and sign up.
  2. Upload your photo via the Upload Photo button.

The AI detects the face in your photo and animates it. The result is a lifelike animation that can make people or characters in your photos seem as if they are moving.

Clipfly offers a unique twist to photo animation by creating AI-generated talking avatars from your still images. The tool is a fun way to make portraits or selfies talk as if they were part of an animated scene.

How to Animate Photos With Clipfly

Follow the steps below:

  1. Visit the AI Talking Avatar page on Clipfly’s website and sign up.
  2. Upload the image you’d like to animate.
  3. Select a voice and type in your script. You can also choose to upload your preferred audio clip.
  4. Click the Get Started button.


screenshot showing how to animate photo on clipfly-1

The AI then animates the photo to sync with the audio, making it appear like the person in the photo is speaking. Clipfly offers 20 free credits upon sign-up and charges 10 credits for each generation. After two generations, you’ll need to upgrade to its Pro plan to keep using it.

Cutout.Pro is another easy-to-use tool you can use to animate your photos. After uploading your image, you can choose from a variety of animation styles to give your photo the desired effect. You can have the character in your image sing the “Happy Birthday” song, turn its head, and so on.

How to Animate Photos Using Cutout.Pro

Below are the steps:


  1. Navigate to Cutout.Pro’s Photo Animer page.
  2. Select and upload the image you wish to animate via Upload Image.
  3. Customize the animation style using the Choose Exemplar slider.

cutout pro animate photo page

You can use Cutout.Pro’s Photo Animer for free. That’s, of course, if you don’t mind the giant watermark and 360p quality output. Cutout.Pro’s paid plans begin at $19 for 1 minute of video generation.

HitPaw animates your old photos by adding realistic movements to them. It’s particularly useful for bringing historical photos to life, making it seem as though the subjects are moving within their captured moments.

How to Animate Photos With HitPaw

Here’s how:


  1. Visit HitPaw’s Photo Animator page.
  2. Upload the old photo you want to animate by hitting Upload a Photo.
  3. Allow HitPaw to process the animation.

Hitpaw animate photo page-1

HitPaw allows you to download (boldly) watermarked versions of your animated photo for free. The Pro plans start at $3.99 per week.

Each of these tools offers a unique twist to animating still photos, whether it’s for entertainment, reminiscing, or artistic expression. The steps I’ve provided for each platform will help you transform your still images into animations that tell a story beyond the confines of a single frame. Feel free to explore every one of them (for free) to find the one that works best for you.

Martin Mull, comic actor and ‘Roseanne’ star, dies at 80

Martin Mull, the comedic actor best known for his roles in “Clue,” “Roseanne,” “Arrested Development” and “Sabrina the Teenage Witch,” died Thursday. He was 80.

His daughter, TV writer and producer Maggie Mull, shared the news on Instagram.

“He was known for excelling at every creative discipline imaginable and also for doing Red Roof Inn commercials,” she wrote. “He would find that joke funny. He was never not funny. My dad will be deeply missed by his wife and daughter, by his friends and coworkers, by fellow artists and comedians and musicians, and — the sign of a truly exceptional person — by many, many dogs.”

Mull, who was also a singer-songwriter, rose to fame in the 1970s on Norman Lear’s satirical soap opera “Mary Hartman, Mary Hartman” and its spinoffs, “Fernwood 2 Night” and “America 2-Night.”

The dry-witted comic played Colonel Mustard in the 1985 comedy “Clue” and Teri Garr’s boss in 1983’s “Mr. Mom.” He was Roseanne’s boss, Leon Carp, on her titular sitcom, private detective Gene Parmesan on “Arrested Development” and “Sabrina the Teenage Witch’s” nosy Principal Kraft, in addition to voicing characters on animated shows, including “American Dad!” and “The Simpsons.”

The actor appeared in more than 200 Los Angeles Times articles across four decades. most recently in December. Following the death of Lear, a Times roundup of seven essential Lear shows noted Mull’s contributions to the oddball gallery of characters in “Mary Hartman, Mary Hartman.”

Here’s a sampling of headlines from Mull’s life as actor and as painter. A full Times appreciation is forthcoming.

Martin Mull with Steve Martin during an art talk at the Broad Stage in Santa Monica in 2014.

(Ryan Miller / Invision / AP)

Inside a Violent Gang’s Ruthless Crypto-Stealing Home Invasion Spree

She refused to give up her password, and was, according to the prosecutors’ description, so demoralized by the earlier hacking theft of the majority of her funds that she told the men to simply shoot her. Instead, they stole her engagement ring, two iPhones, a laptop, the charger for the neurostimulator used by the other member of the household as a treatment for Parkinson’s disease, and whatever cash they could find, then left.

For their next victim, the prosecutors describe how the group targeted a man who Seemungal knew to be a fellow SIM swapping hacker and who he believed had in fact robbed him of a significant sum of cryptocurrency in 2021. To prepare for that robbery in September of 2022, they began repeatedly sending their target pizza deliveries in the hope of conditioning him to come to his door without suspicion. When the moment of their planned theft came, however, their target wasn’t home, so they instead lay in wait, then drew guns on their target when he arrived at the house.

Over the next hour, the group bound their victim’s hands behind his back with bootlaces and demanded he hand over access to his crypto accounts. When the account he gave them access to had only a small sum of crypto, they put him in the backseat of their rented Cadillac, struck his face with their guns, drove away, and began extorting his friends and father for crypto payments. Eventually, about 120 miles from their victim’s home, the men took their victim out of the car and told him to kneel. He instead escaped, as one of the men fired a gun from the moving car, though it’s not clear if the shot was intended to hit the victim or merely scare him. One of the group—who has not yet been charged—would later say that St. Felix had suggested they kill their captive.

A few months later, prosecutors write, the group carried out their next attack against another victim they believed to be a wealthy crypto-focused hacker, this time in Texas. On a road trip from Florida to start surveilling their target, St. Felix had fled from law enforcement in Louisiana, flipped his car at more than 90 miles per hour, and broken his leg. The other members of the Florida crew had been arrested after that crash. So the break-in was carried out by a newly recruited team based in the Houston area.

Just a few days before Christmas of 2022, the Texas group broke into their target’s home, bound his family members’ hands with zip ties, and repeatedly hit him in the face demanding he give them access to his cryptocurrency. Prosecutors say they shoved knives and forks under his mother’s fingernails and struck her in the face with a gun. They burned their target’s arm with a hot iron to coerce him to hand over his crypto account details, and at one point attempted to punch him in the genitals.

The victim eventually told his torturers that he had buried a device storing his cryptocurrency in the backyard. (In fact, that hardware wallet, holding $1.4 million in crypto, was in a moving box in the home that the thieves never found.) When the thieves brought their victim to the backyard to locate the device, he climbed a fence and escaped. The burglars stole $150,000 in cash as well as some jewelry, then left.

One Final Job

In early 2023, after those relatively unsuccessful attempts at extortion, an associate of Seemungal’s allegedly began feeding the group tips, hacking into potential targets’ email to see the size of their crypto holdings, and sending those leads to the home invasion crew. One Telegram chat obtained by prosecutors shows a discussion of potential targets, including someone with $1.2 million in Texas and another person with $600,000 in Tennessee.

A screen capture of the group’s Telegram chat as they discussed potential targets. A “lick” here is slang for a robbery target.

Courtesy of Dept. of Justice

RBI Releases Financial Stability Report With Mention of DeFi, US Efforts to Regulate Crypto Sector

The Reserve Bank of India (RBI) has published its latest Financial Stability Report (FSR) that outlines important events that have recently taken place in the national and international banking and fintech sector. The domain of decentralised finance (DeFi) earned a brief mention in RBI’s report wherein the central bank, discussed the focus of global bodies on developments in the sector. The RBI has also touched upon efforts by the US to regulate the crypto sector.

RBI’s FSR report mentions DeFi technology

In its FSR report, the RBI acknowledged that digital financial systems have seen adoption around the world, leading to the creation of newer business models and financial distribution channels.

The advanced technologies of distributed ledger (blockchain), cloud computing, artificial intelligence (AI), and machine learning (ML), as per the RBI, have shown to have pertinent implications for financial systems around the world.

Talking in particular about DeFi, the report said that global regulatory bodies like the Financial Action Task Force and the International Organisation of Securities Commissions (IOSCO) are constantly examining developments around DeFi. These global financial whistleblowers are concerned that a rapid growth in DeFi could have effects on the broader asset market and subsequently on the global financial stability.

US efforts to regulate the crypto sector

The central bank notes that the US government is attempting to create a regulatory framework for digital assets, in the form of the Financial Innovation and Technology for the 21st Century Act (FIT21) legislation. The FIT21 Act is expected to and empower the US Securities and Exchange Commission (SEC) and Commodity Futures Trading Commission (CFTC) to oversee digital assets, venues and entities. As per the RBI, the FIT21 Act is also expected to ensure market certainty, while granting some form of recognition to digital assets in the country.

The RBI report also touches upon the US SEC’s decision to approve the trading of exchange traded products (ETPs) for select cryptocurrencies like Bitcoin and Ether ETFs.

On the other hand, India’s central bank has expressed concerns around the rising number of cybercrimes connected with the crypto sector on an international level.

“Ransomware crypto payments, business email compromises and cost of data breaches surged to a new high during 2023. The financial sector has reported over 20,000 cyber intrusions and digital attacks, which resulted in losses amounting to US$ 20 billion over the last 20 years. Furthermore, cyberattacks are found to swell during periods of political and economic uncertainty such as geopolitical tensions, with disruptive consequences,” the report noted.

RBI’s stance on crypto in India appears to be unchanged

The RBI has repeatedly said it prefers that crypto be banned in the country. Since cryptocurrencies allow anonymity in transactions, the central bank is concerned that crypto assets could be exploited for illicit activities like terror financing and money laundering. The crypto sector also gives people more control over their funds and eliminates the need for intermediaries like banks to process financial transactions, which threatens the monopoly of central banks on their respective financial systems.

Even so, the DeFi sector was mentioned once in RBI’s report, and industry members in the country are already hopeful about the future of the fintech sector in India.

“The RBI released its half-yearly Financial Stability Report (FSR) today. There is very little in there for the crypto asset sector, which could be both good, or bad, depending on which way one looks at it! There is no specific negative commentary on financial stability risks from digital assets, which could again mean something, or nothing, depending on which way one looks at this,” said R Venkatesh, Head of Public Policy, CoinSwitch as commenting on the development.

The latest report appears to reaffirm the RBI’s unwillingness to accept cryptocurrencies as legitimate modes of payments in the country in the near future.


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Microsoft AI CEO: Web content is ‘freeware’

Microsoft’s AI CEO Mustafa Suleyman believes most web content is “freeware’ that can be used for training AI models. The only exception: websites that explicitly opt out.

Freeware is any form of copyrighted software that can be freely downloaded, installed and used by end users.

The quote. Here’s what Suleyman told CNBC’s Andrew Ross Sorkin at the Aspen Ideas Festival:

  • “…With respect to content that is already on the open web, the social contract of that content since the ’90s has been that it is fair use. Anyone can copy it, recreate with it, reproduce with it. That has been freeware, if you like. That’s been the understanding.
  • “There’s a separate category where a website or a publisher or a news organization had explicitly said, ‘do not scrape or crawl me for any other reason than indexing me so that other people can find that content.’ That’s a gray area and I think that’s going to work its way through the courts.”

Fair use or theft? Fair uses allows for limited use of copyright material (e.g., criticism, teaching, research), but what AI models do goes beyond this. The companies behind the AI models clearly want to profit from this content.

Why we care. There is no such “social contract” that I’m aware of. Microsoft (and Google) simply believe that all online content should be available for AI training. Clearly, this benefits these large multinational corporations. The actual content producers? Not so much.

Zoom out. This controversial quote comes as Microsoft, OpenAI, Google and other companies face multiple legal challenges over copyright infringement. This is also why OpenAI is signing so many content licensing deals.

The video. CEO of Microsoft AI speaks about the future of artificial intelligence at Aspen Ideas Festival (CNBC)


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About the author

Danny Goodwin

Danny Goodwin has been Managing Editor of Search Engine Land & Search Marketing Expo – SMX since 2022. He joined Search Engine Land in 2022 as Senior Editor. In addition to reporting on the latest search marketing news, he manages Search Engine Land’s SME (Subject Matter Expert) program. He also helps program U.S. SMX events.

Goodwin has been editing and writing about the latest developments and trends in search and digital marketing since 2007. He previously was Executive Editor of Search Engine Journal (from 2017 to 2022), managing editor of Momentology (from 2014-2016) and editor of Search Engine Watch (from 2007 to 2014). He has spoken at many major search conferences and virtual events, and has been sourced for his expertise by a wide range of publications and podcasts.