Category: News
Generación Z convoca marcha en Ciudad de México y amenaza con empañar festejo de la revolución
Associated Press
CIUDAD DE MÉXICO (AP) — Opositores que se identifican como el “movimiento Generación Z” llamaron el jueves a una marcha en la Ciudad de México que coincidirá con el tradicional desfile cívico-militar de conmemoración del inicio de la Revolución Mexicana.
En torno a la convocatoria hay gran expectativa tras los violentos incidentes que se registraron el pasado sábado en la principal plaza de la capital mexicana en la que manifestantes, algunos de los cuales se identificaron como miembros de la Generación Z, se enfrentaron a policías, lo que dejó un saldo más de un centenar de heridos, en su mayoría agentes policiales, y una veintena de detenidos.
“México no se rinde, mexicanos al grito de guerra; Generación Z no se rinde”, expresó en las redes sociales el movimiento, que se identifica como apartidista, al convocar a la movilización en el centro de la Ciudad de México.
En abierto reto al gobierno de Claudia Sheinbaum, la agrupación expresó en un comunicado —que divulgó el miércoles en su cuenta de X— que la “persecución” y el “señalamiento” contra cualquier manifestante “no detendrán la indignación ni la determinación de millones de mexicanos que seguimos en las calles defendiendo a nuestro país. No nos callarán. No nos doblaremos. Seguiremos hasta que México recupere su democracia y su libertad”.
El pronunciamiento se dio poco después de que la Fiscalía de la Ciudad de México anunciara que, de los 18 procesados por las protestas del 15 de noviembre, ocho quedaron bajo prisión preventiva mientras 10 enfrentarán el proceso en libertad con medidas cautelares. Las autoridades abrieron investigaciones por lesiones dolosas, robo y diversos daños.
Ante la expectativa que ha generado la marcha, Sheinbaum hizo el martes un llamado a que no se caiga en provocaciones y descartó la posibilidad de choques en las calles durante el desfile por los 115 años del inicio de la Revolución Mexicana.
Por su parte, la Secretaría de la Defensa modificó la tradicional ruta de la parada y recortó unos tres kilómetros el recorrido en el centro de la Ciudad de México después de que se anunció la marcha opositora.
Tras los violentos incidentes del sábado Sheinbaum cuestionó a los manifestantes y afirmó que la movilización no fue promovida por jóvenes sino por opositores y que contó con la participación de grupos violentos que buscaban provocar enfrentamientos con la policía.
El movimiento asegura que está integrado por jóvenes apolíticos que se identifican con las movilizaciones que se han dado en otros países contra la clase política y la desigualdad e incluso exhibe en las redes y sus marchas el emblema de la Generación Z, una bandera negra con una calavera sonriente que lleva un sombrero de paja inspirado en una serie manga japonesa llamada “One Piece”.
Las protestas de la Generación Z provocaron la renuncia del gobierno de Nepal y se replicaron en países asiáticos y africanos con distintos detonantes. En América Latina, las manifestaciones que se realizaron en octubre en Perú exigiendo la renuncia del presidente interino José Jerí también llevaron el mismo símbolo.
Abbott Laboratories announces $21 billion deal to buy Cologuard-maker Exact Sciences
North suburban-based Abbott Laboratories announced a $21 billion deal Thursday morning to acquire Exact Sciences, the maker of Cologuard — its largest acquisition in a decade.
The deal will allow Abbott — which makes medical tests, baby formula and continuous glucose monitors, among other products — to enter the cancer testing space. Exact Sciences focuses on early cancer detection and personalized treatments, and is perhaps best known for making Cologaurd, an at-home colon cancer screening test.
“Exact Sciences’ innovation, its strong brand and customer-focused execution are unrivaled in the cancer diagnostics space, and its presence and strengths are complementary to our own,” said Robert B. Ford, chairman and Abbott CEO, in a news release. “We’re excited to bring Exact Sciences’ people and know-how into Abbott so that together, we can take on the global challenge of cancer.”
Exact Sciences is expected to generate more than $3 billion in revenue this year, and once it joins Abbott, Abbott’s diagnostics sales are expected to exceed $12 billion a year.
The deal is expected to close in the second quarter of 2026, pending regulatory and shareholder approval. Abbott’s stock was down 1.7% Thursday morning after the deal was announced.
More to come.
Autorretrato de Frida Kahlo podría romper récords en subasta
Por THE ASSOCIATED PRESS
NUEVA YORK (AP) — Un autorretrato de 1940 de la famosa artista mexicana Frida Kahlo, en el que aparece dormida en una cama, podría hacer historia el jueves cuando salga a la venta en Sotheby’s en Nueva York.
Con un precio estimado de entre 40 y 60 millones de dólares, “El sueño (La cama)” podría superar el precio más alto para una obra de cualquier artista femenina cuando se subaste. Ese récord actualmente es de 44,4 millones de dólares, pagados en Sotheby’s en 2014 por “Jimson Weed/White Flower No. 1” de Georgia O’Keeffe.
El precio más alto en subasta para una obra de Kahlo es de 34,9 millones de dólares, pagados en 2021 por “Diego y yo”, que representa a la artista y a su esposo, el muralista Diego Rivera.
La pintura que se subastará muestra a Kahlo dormida en una cama de estilo colonial de madera, envuelta en una manta dorada con enredaderas y hojas. Sobre ella, aparentemente levitando sobre los postes de la cama, yace un esqueleto de tamaño natural.
En su nota de catálogo, Sotheby’s dijo que la pintura “ofrece una meditación espectral sobre la porosa frontera entre el sueño y la muerte”.
Exhibida públicamente por última vez a finales de la década de 1990, la pintura es la estrella de una venta de más de 100 obras surrealistas de artistas como Salvador Dalí, René Magritte, Max Ernst y Dorothea Tanning. Provienen de una colección privada cuyo propietario no ha sido revelado.
Kahlo, cuya vida fue trastocada por un accidente de autobús a los 18 años, se representó a sí misma y los eventos que experimentaba de manera vibrante y sin concesiones. Comenzó a pintar mientras estaba postrada en cama, se sometió a una serie de dolorosas cirugías en su columna vertebral y pelvis dañadas, y luego usó corsés hasta su muerte en 1954 a los 47 años.
“El esqueleto suspendido a menudo se interpreta como una visualización de su ansiedad por morir mientras duerme, un miedo muy plausible para una artista cuya existencia diaria estaba marcada por el dolor crónico y el trauma pasado”, señala el catálogo.
Commerce Department Authorizes Export Of Advanced AI Chips To Companies In UAE, Saudi Arabia
Commerce Department Authorizes Export Of Advanced AI Chips To Companies In UAE, Saudi Arabia
Authored by Jacob Burg via The Epoch Times,
The U.S. Department of Commerce announced on Nov. 19 that it had authorized exporting tens of thousands of American advanced artificial intelligence (AI) semiconductor chips to two companies in the United Arab Emirates and Saudi Arabia.
The microchips will go to G42, a state-run AI company in Abu Dhabi in the UAE, and Humain, a Saudi government-backed AI business. Both companies have large data center projects planned in each of their respective nations.
The announcement came a day after Saudi Arabian Crown Prince Mohammed bin Salman arrived in the United States for the first time since 2018 and is reflective of both countries’ interests in developing AI technology.
“Both companies are receiving approvals to purchase the equivalent of up to 35,000 Nvidia Blackwell chips (GB300s),” the Commerce Department said in a statement.
“These approvals will promote continued American AI dominance and global technological leadership—consistent with President Trump’s July 2025 AI Action Plan.”
A purchase of 35,000 Blackwell chips is estimated to be worth $1 billion, although prices vary.
“The approvals are conditioned on both companies meeting rigorous security and reporting requirements,” the Commerce Department said, adding that its “Bureau of Industry and Security is engaging with the companies regarding these requirements and will monitor compliance on an ongoing basis.”
The agency said that beyond its announcement on Wednesday, it will continue supporting the export of the American AI technology stack to “Saudi Arabia, the UAE, and other allies and partners around the globe.”
Humain said earlier in the day that it planned to buy 600,000 Nvidia AI semiconductors.
The company plans to jointly build data centers, which will include a 500 megawatt facility, in Saudi Arabia alongside Elon Musk’s xAI.
G42, a leader in the UAE’s AI industry, is planning to construct one of the largest data centers in the world in the country with American technology.
It is receiving help from technology companies Nvidia, OpenAI, Cisco, and Oracle, alongside Japan’s SoftBank, to complete the first phase set to go online in 2026, known as Stargate UAE.
Trump Touts Saudi Investments
While meeting with the crown prince in the White House on Tuesday, U.S. President Donald Trump said the United States and Saudi Arabia had inked $270 billion in new business deals in energy, AI, finance, and aerospace.
On Nov. 19, oil giant Saudi Aramco said it had signed 17 memoranda of understanding and agreements with U.S. companies worth more than $30 billion. The projects span liquefied natural gas, financial services, advanced materials manufacturing, and procurement of materials and services, the company said.
Additionally, GE Aerospace will supply dozens of airplane engines for Boeing 787 Dreamliners owned by Saudi Arabia’s leading air carrier Saudia.
Tyler Durden
Thu, 11/20/2025 – 10:20
Existing Home Sales Beat In October As Mortgage Rates Tumbled
Existing Home Sales Beat In October As Mortgage Rates Tumbled
With mortgage rates tumbling, housing market participants have been disappointed by the lack of enthusiasm by homebuyers to apply for mortgages (though there was a decent bounce in refi activity)…
Source: Bloomberg
This morning’s existing home sales data (admittedly for October) will give us a further glimpse into the reality oh home-buying vs home-selling as the gap between current mortgage rates and the average existing mortgage rates remains vast…
Source: Bloomberg
Analysts (rightfully, given the shift in rates) expected a bounce, albeit tiny (+0.5%), in existing home sales for October and were surprised to the upside with a 1.2% MoM rise…
Source: Bloomberg
Which lifted the home sales SAAR a little more off record lows (to eight month highs)…
Source: Bloomberg
This print represents signings – so when sales probably went through from August and September (before rates really started to decline).
“Home sales increased in October even with the government shutdown due to homebuyers taking advantage of lower mortgage rates,” NAR Chief Economist Lawrence Yun said in a statement.
Is momentum about to start picking up?
The median sales price gained 2.1% from a year ago to $415,200, furthering a run of year-over-year price increases dating back to mid-2023.
Last month, the supply of previously owned homes for sale fell 0.7% to 1.52 million, still near its highest level since mid-2020, NAR data show.
Homes remained on market 34 days last month, the longest stretch for any October since 2019, Yun said on a conference call.
But to get back to pre-Covid levels, “it requires drastically larger supply,” Yun said.
“We’re not seeing that. And much more meaningful decline in mortgage rates.”
In the NAR report, sales in the South, the nation’s biggest home-selling region, increased 0.5%, marking the strongest rate since February.
Sales in the West fell 1.3%, while sales were flat in the Northeast. The Midwest led US regions with a 5.3% sales gain.
Nationwide, sellers outnumbered buyers last month by about 500,000, giving the latter some power to demand discounts and other concessions, Redfin estimated in a separate report this month.
Tyler Durden
Thu, 11/20/2025 – 10:10
https://www.zerohedge.com/personal-finance/existing-home-sales-beat-october-mortgage-rates-tumbled
As infant botulism cases climb to 31, recalled ByHeart baby formula is still on some store shelves
As cases of potentially deadly botulism in babies who drank ByHeart infant formula continue to grow, state officials say they are still finding the recalled product on some store shelves.
Meanwhile the company reported late Wednesday that laboratory tests confirmed that some samples of formula were contaminated with the type of bacteria that has sickened more than 30 babies in the outbreak.
Tests by an independent food safety laboratory found Clostridium botulinum, a bacterium that produces toxins that can lead to potentially life threatening illness in babies younger than 1, the company said on its website. ByHeart officials said they notified the U.S. Food and Drug Administration of the findings but did not specify how many samples were tested or how many were positive.
“We are working to investigate the facts, conduct ongoing testing to identify the source, and ensure this does not happen to families again,” ByHeart said on its website.
The FDA did not immediately respond to questions about the findings.
The lab results come as investigators in at least three states found ByHeart formula still for sale even after the New York-based company recalled all products nationwide, officials told The Associated Press.
At least 31 babies in 15 states who drank ByHeart formula have been hospitalized and treated for infantile botulism since August, federal health officials said Wednesday. They range in age from about 2 weeks to about 6 months, with the most recent case reported on Nov. 13.
No deaths have been reported.
In Oregon, nine of more than 150 stores checked still had the formula on shelves this week, a state agriculture official said. In Minnesota, investigators conducted 119 checks between Nov. 13 and Nov. 17 and removed recalled products from sale at four sites, an agriculture department official said. An Arizona health official also said they found the product available.
Businesses and consumers should remain alert, Minnesota officials said in a statement. “No affected product should be sold or consumed,” they wrote.
Investigators with the U.S. Food and Drug Administration conducted inspections at ByHeart manufacturing plants in Allerton, Iowa, and Portland, Oregon. No results from the inspections have been reported.
California officials previously confirmed the germ that can lead to illness in an open can of ByHeart formula fed to a baby who fell ill.
Infant botulism, which can cause paralysis and death, is caused by a type of bacteria that forms spores that germinate in a baby’s gut and produce a toxin.
Symptoms can take up to 30 days to develop and include constipation, poor feeding, a weak cry, drooping eyelids or a flat facial expression. Babies can develop weakness in their limbs and head and may feel “floppy.” They can have trouble swallowing or breathing.
ByHeart had been manufacturing about 200,000 cans of formula per month. It was sold online or at retail stores such as Target and Walmart. A Walmart spokesperson said the company swiftly issued a restriction that prevented sale of the formula, removed the product from stores and notified consumers who had bought it. Customers can visit any store for a refund of the formula, which sold for about $42 per can.
Federal and state health officials are concerned that some parents and caregivers may still have ByHeart products in their homes. They are advising consumers to stop using the product — including formula in cans and any single-serve sticks. They also suggest marking it “DO NOT USE” and keeping it for at least a month in case a baby develops symptoms. In that case, the formula would need to be tested.
The California health department operates the Infant Botulism Treatment and Prevention Program, which tracks cases and distributes treatment for the disease. Officials there have launched a public hotline at 833-398-2022, which is staffed with health officials from 7 a.m. to 11 p.m. Pacific Standard Time.
The new hotline was created after calls from hundreds of parents and caregivers flooded a different, longstanding hotline for doctors to discuss suspected infant botulism cases, officials said.
https://www.chicagotribune.com/2025/11/20/infant-botulism-byheart-baby-formula/
Walmart raises profit expectations as more Americans hunt deals in sluggish economy
NEW YORK— Walmart delivered another standout quarter, posting strong sales and profits that blew past Wall Street expectations as it wins over more cash-strapped Americans who have grown increasing anxious about the economy.
With other retailers dialing back projections, the nation’s largest retailer raised its financial outlook Thursday after its strong third quarter, setting itself up for a strong holiday shopping season.
Walmart Inc., based in Bentonville, Arkansas, also said Thursday that it will be transferring the listing of its common stock to the tech-heavy Nasdaq from the New York Stock Exchange. It expects its common stock to begin trading on the Nasdaq Global Select Market on December 9, under the the same ticker symbol “WMT.”
CEO Doug McMillon, who surprised investors last week with plans to retire early next year, has reshaped Walmart itself as tech-powered retail giant that has leaned heavily into automation and artificial intelligence.
McMillon spearheaded a period of robust sales growth since becoming chief executive in 2014, going toe-to-toe with online behemoth Amazon. John Furner, 51, the head of Walmart’s U.S. operations, will take over on Feb. 1, the day after McMillon’s retirement becomes effective.
The leadership change arrives at a challenging time for U.S. companies that have spent months navigating an uncertain economic environment as President Donald Trump imposes wide-ranging tariffs on imports and pursues an immigration crackdown that threatens to shrink the number of workers available in America.
Walmart’s performance serves as a barometer of consumer spending given its size and vast customer base. The company maintains that 90% of U.S. households rely on Walmart for a range of products, and more than 150 million customers shop on its website or in its stores every week.
“We’re gaining market share, improving delivery speed, and managing inventory well, McMillon said in prepared remarks. “We’re well-positioned for a strong finish to the year and beyond that.”
That compares with a mixed performance from other retailers so far this quarter.
Target’s third-quarter profit tumbled as the retailer struggled to lure shoppers that are being pressed by stubbornly high inflation. The Minneapolis company said Wednesday that it expects its sales slump to extend through the critical holiday shopping season.
The most recent quarter is the latest challenge for incoming CEO Michael Fiddelke, a 20-year company veteran who is replacing CEO Brian Cornell in February.
Home Depot, which reported its third-quarter results on Tuesday, was mixed with fewer violent storms reaching shore, more anxiety among U.S. consumers and a housing market that is in a deep funk. The company lowered its fiscal 2025 adjusted earnings forecast but raised its expectations for sales growth.
TJX, which operates HomeGoods and TJ Maxx, continues to lure frugal shoppers. On Wednesday, it upgraded its full-year outlook and turned in higher profit and sales during the recent quarter.
Walmart, too, has been laser-focused on maintaining low prices while the company under McMillon deploys new technologies, from artificial intelligence to robotics. Walmart has also invested heavily in e-commerce and faster deliveries.
Walmart has also sought out new sources of revenue like advertising and launched a membership program called Walmart + to compete with Amazon Prime.
Those efforts have paid off.
Third-quarter profits rose to $6.14 billion, or 77 cents per share, in the quarter ended Oct. 31. Adjusted earnings were 66 cents, or 6 cents better than Wall Street had expected, according to a poll by FactSet. That is far greater than the $4.58 billion, or 57 cents per share, the company earned in the same period last year.
Sales rose nearly 6% to $179.5 billion, also exceeding the expectations of most analysts.
Comparable sales at Walmart stores — those from sales from established physical stores and online channels— rose 4.5% in the third quarter, just shy of last quarter’s 4.6%.
The number of transactions at Walmart stores rose 1.8%, while the average transaction size rose 2.7%.
Global e-commerce sales rose 27%. That follows a 25% jump in the second quarter and a 22% growth in the first quarter.
The company said that it now expects adjusted profits this year to be in the range of $2.58 to $2.63, up from guidance in August of between $2.52 and $2.62 per share.
Walmart expects sales for the year to be up anywhere from 4.8% to 5.1%. That’s up from its earlier estimates of 3.75% to 4.75%.
Analysts were predicting $2.61 per share, according to FactSet analysts.
Shares were essentially flat before the opening bell Thursday.
https://www.chicagotribune.com/2025/11/20/walmart-profit-americans-economy/
Estudio vaticina que ventas globales de lujo disminuirán por segundo año consecutivo
Por COLLEEN BARRY
MILÁN, Italia (AP) — Las ventas globales de bienes personales de lujo disminuirán por segundo año consecutivo mientras compradores adinerados se rebelan contra aumentos de precios extravagantes y la situación política mundial vulnera la confianza, vaticina un nuevo estudio de la consultora Bain & Co. publicado el jueves.
Las ventas de ropa, calzado y bolsos de alta gama caerán un 2% a 358.000 millones de euros (412.000 millones de dólares) este año desde 364.000 millones de euros en 2024, pronostica Bain en su actualización semestral del mercado para la asociación Altagamma de productores italianos de lujo.
La caída marcaría la primera desaceleración de dos años desde la crisis financiera global de 2008-09.
“No es un escenario de desastre, sin embargo, se observa que los consumidores están optando por marcas accesibles, no porque no tengan el dinero, sino porque creo que están buscando algo que sea más ético en la propuesta de valor-precio”, declaró Claudia D’Arpizio, socia de Bain que coescribió el estudio.
Las ventas pospandemia alcanzaron los 369.000 millones de euros en 2023 en un repunte que los analistas de Bain ahora interpretan como una burbuja. A pesar de las recientes caídas, el mercado sigue siendo aproximadamente un 25% más grande que en 2019, antes de que los confinamientos por la pandemia hundieran las ventas.
De cara al futuro, Bain pronostica un repunte del 3% al 5% el próximo año, alcanzando entre 365.000 millones de euros y 375.000 millones de euros, lo que supone un crecimiento en Estados Unidos respaldado por mercados financieros fuertes y una recuperación en China.
Se prevé que el mercado de Estados Unidos se mantenga estable este año en alrededor de 101.000 millones de euros, mientras que Europa está bajo presión y se espera que se contraiga ligeramente a 108.000 millones de euros. Se espera que China continental y Japón experimenten desaceleraciones de hasta un 8%, a 42.000 millones de euros y 31.000 millones de euros, respectivamente. Solo el Oriente Medio crecerá, según el pronóstico, de un 4% a un 6% hasta 23.000 millones de euros, impulsado por la meca de las compras de Dubái.
A nivel global, los precios inflados y una crisis de creatividad han costado a las marcas entre 60 y 70 millones de clientes en los últimos dos años, reduciendo la base de clientes en aproximadamente un 18% a 330 millones de compradores que se sienten mucho menos leales que antes, según Bain.
Las categorías que más han sufrido –calzado y bolsos– son aquellas donde los aumentos de precios fueron más severos, indicó D’Arpizio. “Estos clientes tienen muchos bolsos en sus armarios, incluidos los mismos que pueden comprar ahora”, expresó.
Al igual que en la política, el mundo del lujo está experimentando un período de polarización extrema, con individuos de ultra alto patrimonio neto demostrando ser los más resilientes en su poder adquisitivo. Con una riqueza personal superior a 30 millones de euros, suman unas 400.000 personas, con miembros de la familia extendiendo la categoría a unas 1,5 millones de personas.
“La polarización continua no está ayudando al consumo de lujo. El resto de los clientes se sintieron alienados porque las marcas se centraron demasiado en estos individuos de ultra alto patrimonio neto, no solo con la elevación de precios sino también con la experiencia del cliente que estaba destinada a unos pocos y no a muchos”, comentó D’Arpizio.
Las redes sociales también están amplificando las preguntas sobre si “es ético comprar a estos precios”, dijo D’Arpizio. Añadió que la estrategia de aumentar los precios “en nuestra opinión ha sido muy peligrosa”, creando un desajuste entre precio y valor.
Las marcas necesitan decidir “a qué clientes quieren servir” y también restablecerse como heraldos “de la autorrealización y la mejora social”, que impulsaron el mercado de lujo en las últimas décadas, sostuvo D’Arpizio.
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Esta historia fue traducida del inglés por un editor de AP con ayuda de una herramienta de inteligencia artificial generativa.
Verizon is cutting more than 13,000 jobs as it works to ‘reorient’ entire company
NEW YORK — Verizon is laying off more than 13,000 employees, as the telecommunications giant says it must “reorient” its entire company.
The jobs cuts began on Thursday, per to a staff memo from Verizon CEO Dan Schulman. In the letter, which was seen by The Associated Press, Schulman noted that Verizon’s current cost structure limits the company’s ability to invest — pointing particularly to customer experiences.
“We must reorient our entire company around delivering for and delighting our customers,” Schulman wrote. He added that the company needed to simplify its operations “to address the complexity and friction that slow us down and frustrate our customers.”
Beyond the cuts across Verizon’s workforce, Schulman said that the New York company would also “significantly reduce” its outsourced and other outside labor expenses.
News of coming layoffs at Verizon were reported last week by The Wall Street Journal. The outlet says that the 13,000 job cuts announced Thursday mark the largest-ever round of layoffs at the company.
Verizon isn’t the only company to recently announce sizable workforce reductions. Over recent weeks and months, more and more layoffs have piled up at companies like Amazon, UPS, Nestlé and more.
Schulman on Thursday recognized that “changes in technology and in the economy are impacting the workforce across all industries.” He said that Verizon had established a $20 million “Reskilling and Career Transition Fund” for workers departing Verizon.
https://www.chicagotribune.com/2025/11/20/verizon-cutting-jobs/
US homes sales rose in October as homebuyers seized on declining mortgage rates
Sales of previously occupied U.S. homes increased last month to the fastest pace since February as lower mortgage rates helped pull more homebuyers into the market.
Existing home sales rose 1.2% in October from the previous month to a seasonally adjusted annual rate of 4.10 million units, the National Association of Realtors said Thursday.
Sales climbed 1.7% compared with October last year. The latest sales figure topped the roughly 4.09 million pace economists were expecting, according to FactSet.
The national median sales price increased 2.1% in October from a year earlier to $415,200. That’s the 28th consecutive month that home prices have risen on an annual basis.
The U.S. housing market has been in a slump since 2022, when mortgage rates began climbing from historic lows. Sales of previously occupied U.S. homes sank last year to their lowest level in nearly 30 years.
Sales have remained sluggish this year, but have gotten a boost this fall as the average rate on a 30-year mortgage declined to its lowest level in more than a year.
Even so, affordability and uncertainty over the economy and job market remain significant hurdles for many aspiring homeowners after years of skyrocketing home prices.
https://www.chicagotribune.com/2025/11/20/us-homes-sales-mortgage-rates/
