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RVNL, IRFC, IRCTC, Ircon, Titagarh, Jupiter Wagons, BEML, Texmaco: Will railway stocks shine in 2025?SINGAPORE – Media OutReach Newswire – 5 December 2024 – Directors and Officers (D&Os) have been operating in a highly complex environment throughout 2024, and further volatility can be expected during 2025. Executives face multiple exposures in an increasingly interconnected business world, confronted with risks arising from business insolvencies, geopolitical upheaval, climate change, digital transformation, economic uncertainty, shifts in public opinion, and an evolving legal landscape. These are the latest key risk trends in the D&O insurance space, as identified by Allianz Commercial’s annual Directors and Officers Insurance Insights report. “The D&O insurance market has remained competitive for buyers over the past year, but loss potential is still high,” says Vanessa Maxwell, Chief Underwriting Officer, Allianz Commercial. “ The global rise in business insolvencies is a particular focus of concern, with companies and leaders exposed to potential claims from lenders seeking to recover funds, or from shareholders who allege breach of fiduciary duty. At the same time, the litigation landscape and enforcement are increasingly stringent, and we are seeing regulatory bodies across the globe step up scrutiny of corporate conduct, making D&Os more vulnerable to investigations, penalties and lawsuits.” Insolvencies as an emerging D&O risk Global business insolvencies for 2024 are expected to rise by +11%, and countries accounting for more than half of global GDP will be hit by double-digit insolvency increases in 2024, according to Allianz Trade . Major insolvencies already increased by +26% year-on-year for the first three quarters of 2024 (344 cases). Western Europe leads the global count with 195 cases, a reflection of the region’s current economic instability, followed by Asia-Pacific (67 cases) and North America (66 cases). Rising bankruptcies typically lead to an increase in D&O claims, so this trend is a reminder to business leaders of the need to respond and adapt to the challenging environment. “Many companies have faced higher interest expenses, inflationary pressures, and macro- and microeconomic headwinds that have impacted their business and resulted in a struggle to service their debt load,” says Dan Holloway, Head of Global Management Liability Commercial at Allianz Commercial . “Some sectors are particularly exposed, including real estate, construction, hospitality, tourism, and businesses in ‘consumer discretionary’, or non-essential purchases.” Turbulent geopolitical environment and stringent litigation landscape With war in Ukraine and the Middle East, the geopolitical landscape presents liability challenges to businesses as they find themselves caught up in world events with potentially significant consequences for their operations. Upheaval can lead to supply chain disruption, business interruption, and legal and regulatory scrutiny. Companies can face scrutiny for non-compliance with international sanctions, or for failing to adequately manage risks related to politically unstable regions. D&Os can be held accountable for misjudging the impact of geopolitical developments on their company’s operations, leading to shareholder lawsuits or regulatory penalties. At the same time, the litigation landscape and enforcement are increasingly stringent, with securities class actions proliferating not only in the US, but also in Europe (+10% year-on-year) and Australia (+43%) . “D&Os need to update their knowledge around geopolitical and regulatory changes more regularly than ever before,” says Jarrod Schlesinger, Global Head of Financial Lines and Cyber at Allianz Commercial. “A once-a-year review is no longer sufficient in the volatile era businesses are now operating in. These trends are driving the need for D&O policies that are responsive to multi-jurisdictional risks and can provide local coverage for legal defense costs, settlements and other liabilities.” “AI washing” – the new “greenwashing”? The transformative potential of artificial intelligence (AI) is huge, but it also means companies must adapt quickly to potential exposures around disclosure, regulation, shareholder scrutiny and litigation. AI-related litigation is increasing and exaggerated claims about firms’ technological capabilities – a trend known as “AI washing” – could lead to securities class action lawsuits and enforcement actions. Class action lawsuits have already been filed in the US, but the risk extends beyond North America, as any company that has its stock listed on a US exchange is subject to US securities law. Third-party litigation funding a growing exposure The global litigation funding industry is projected to grow rapidly in the coming years –by almost 10% CAGR up to 2028 – widening access to justice, but also potentially driving up the number of class actions and settlement costs and damages, as also highlighted in Allianz Commercial’s Five Liability Loss Trends To Watch report. And it is not only confined to the US – third-party litigation funding is also established in the UK, Netherlands, Germany, and Australia. “D&Os will face increasing scrutiny from third parties ready to jump on cases and fund them. Claims are likely to become more complex because of funders’ aggressive litigation strategies and the experts they can afford to hire,” says Schlesinger. “Plaintiffs with little to lose financially could be tempted to make baseless claims. Even if the case doesn’t have legs, directors still have to defend it.” Challenges persist in Asia D&O market The price-driven Asia D&O market has experienced a drop in overall premium rates during 2024, due to factors including high competition from an abundance of capacity globally, and challenging economic environments resulting in some clients reducing limits purchased to save costs. “We foresee the overall market size for D&O in 2025 will continue to retract, driven by rate erosion, smaller limits being purchased by customers, and very limited new opportunities given slow capital market activities. Despite this, D&O insurance remains crucial for companies due to the multiple exposures executives face, and as loss potential increases with higher severity for claims being resolved,” says Danielle An, Regional Practice Leader, Management Liability Commercial, Asia, at Allianz Commercial. Hashtag: #Allianz https://commercial.allianz.com/ https://www.linkedin.com/company/allianz-commercial/ The issuer is solely responsible for the content of this announcement. Allianz Commercial is the center of expertise and global line of Allianz Group for insuring mid-sized businesses, large enterprises and specialist risks. Among our customers are the world’s largest consumer brands, financial institutions and industry players, the global aviation and shipping industry as well as family-owned and medium enterprises which are the backbone of the economy. We also cover unique risks such as offshore wind parks, infrastructure projects or film productions. Powered by the employees, financial strength , and network of the world’s #1 insurance brand, as ranked by Interbrand , we work together to help our customers prepare for what’s ahead: They trust us to provide a wide range of traditional and alternative risk transfer solutions, outstanding risk consulting and Multinational services, as well as seamless claims handling. The trade name Allianz Commercial brings together the large corporate insurance business of Allianz Global Corporate & Specialty (AGCS) and the commercial insurance business of national Allianz Property & Casualty entities serving mid-sized companies. We are present in over 200 countries and territories either through our own teams or the Allianz Group network and partners. In 2023, the integrated business of Allianz Commercial generated more than €18 billion gross premium globally.

AP Sports SummaryBrief at 6:40 p.m. EST

New York to charge fossil fuel companies for damage from climate changeDAYTONA BEACH, Fla. (AP) — Aniwaniwa Tait-Jones' 21 points helped UC San Diego defeat James Madison 73-67 on Friday night. Tait-Jones also contributed six rebounds for the Tritons (4-2). Hayden Gray scored 16 points and added four steals. Nordin Kapic went 5 of 8 from the field (1 for 4 from 3-point range) to finish with 12 points. Bryce Lindsay led the way for the Dukes (3-3) with 17 points. James Madison also got 13 points and four assists from Xavier Brown. UCSD went into halftime ahead of James Madison 34-28. Tait-Jones scored 14 points in the half. UCSD took the lead for good with 5:46 left in the second half on a free throw from Tait-Jones to make it a 58-57 game. The Associated Press created this story using technology provided by Data Skrive and data from Sportradar .

Colorado's Travis Hunter to enter draft, vows to be full-time CB and WR in NFL1 2 Nagpur: Amidst the outrage sweeping India over arrests of Hindu monks in Bangladesh and Sangh's appeal to the Narendra Modi govt to take decisive action to stop atrocities on Hindus in the neighbouring country, TOI accessed the October 31 midnight complaint filed by a 49-year-old Bangladeshi man, Mohd Feroze Khan, at Chittagong's Kotwali CMP police station, that led to the arrest of Iskcon priest Chimnoy Krishna Das. The two-page complaint does not carry a detailed description of the alleged crime or any eyewitness account. It simply states the accused conspired to commit treason, and this was enough for the Bangladesh govt to invoke the draconian law. The report in Bengali also mentions that Khan gathered details on the accused, which include Das and 18 others, only from the people around him and secured their photographs and other credentials on social media. There was no mention of Khan directly identifying any one of them. RSS sarkyavaha (general secretary) Dattatreya Hosabale, the second-in-command in the organisation, on Saturday appealed to the Narendra Modi govt to take steps to stop atrocities against Hindus in Bangladesh and garner international support. "India should continue to prevent the ongoing atrocities against Hindus and other religious minorities," he said. Calling Das' arrest unfair, Hosabale called for his immediate release by the Bangladesh govt. Hosable said, "Atrocities committed against Hindus and other religious minorities in Bangladesh by Islamic extremists, including attacks, killings, looting, arson, and inhumane persecution of women, are alarming. RSS calls upon the Bangladesh govt to immediately stop atrocities on Hindus and release the Chinmoy Krishna Das. Out of helplessness due to killings, loot, and attacks by Islamic extremists, Hindus raised their voice peacefully. To suppress their voice, a new phase of injustice and oppression has emerged. Instead of taking appropriate steps to stop the crime against minorities, the Bangladesh govt has remained a mute spectator." At this juncture, Bharat, the global community, and international institutions must stand with the victims of Bangladesh and express solidarity. It is necessary to demand the respective govts to take possible steps in this regard, which may be necessary for global peace and fraternity," reads the statement by Hosabale posted on RSS' Vishwa Samvad Kendra Bharat (VSK) portal. The continuing persecution of Hindus in Bangladesh can be gauged from the October 31 complaint in a Chittagong police station. Translated by TOI, it only has a general description of the scene and a one-liner that Das and other accused instigated people to hoist the saffron religious banner above the Bangladeshi national flag at Zero Point, New Market. "This was an act of sedition that created anarchy and divisive sentiments in the country," says the complaint. Khan, who has named Das as accused number 1, mentions his full name — Chandan Kumar Dhar Chinmoy Krishna Das Brahmachari, aged 38. He further writes "unknown" against the father's name. Khan says it took time to file the report because he was gathering information about the accused from the people around him. He later secured their photographs and addresses through social media. The incident took place on October 25, and the report was filed on the 31st. Legal analysts question how such a frivolous, half-baked complaint can be the basis of a sedition case or stand in the court of law. Dr Subodh Biswas, president of Nikhil Bharat Samanvay Samiti, an organisation of refugees from erstwhile East Pakistan who went through the report calls it a vague description and a conspiracy to frame Das. He said the existence of Hindus is in crisis in Bangladesh and "an independent homeland should be created in Hindu-majority districts to save them from genocide".

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With more than 7 million Americans having been adopted and one out of every 25 families having an adopted child, why not consider becoming an adoptive parent? November is National Adoption Month, which started initially as Adoption Week in Massachusetts in 1976 and became National Adoption Month in 1995. It raises awareness about the urgent need for adoptive families and celebrates the families formed through adoption. In addition to finding homes for these adoptive children and teens, this month honors all those who shape their community: birth parents, social workers, adoptive parents, and everyone who makes an effort to positively impact their lives by helping them build supportive, enduring relationships. In addition to babies and toddlers, there is a significant need for adoptive families for older youth who face significant challenges in finding a permanent family. Research indicates that youth who age out of foster care without a secure and supportive family are at greater risk for adverse outcomes, including homelessness and PTSD rivaling that of returning combat veterans. Securing lifelong connections for these older children, both legally and emotionally, is a critical component in determining their future achievement, health, and well-being. I believe that in every community there is at least one family or individual ready to open heart and home to a child in need. As a parent to an adopted daughter, I know I am the one who has felt the most happiness from the adoption experience. Children’s experiences are often more nuanced, with many adopted children struggling to feel joy while also feeling the loss of first family and first identity. My daughter is my pride and joy. She is an amazing individual now in her young adult years, and she rests in the knowledge that she will always have my unwavering love and support. Please consider adoption. I cannot promise you that the journey will be easy, but I can promise you that it will be worth it. And remember “Adopting one child won’t change the world, but for that child the world will change.” Tom Moore Waterbury The writer is a foster care/adoption family recruiter for the Annie C. Courtney Foundation.

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