August 2022 – Page 859 – Michmutters
Categories
Technology

Linux 5.19 Released – Linus Torvalds Released It From An Apple Silicon MacBook

LINUX KERNEL --

Linus Torvalds just released Linux 5.19 as stable for the newest version of the Linux kernel. He also mentioned this is the first time he released the new Linux kernel from an ARM64 laptop in the form of an Apple MacBook running an AArch64 Apple M1 SoC.

Linux 5.19 brings many new features from initial LoongArch CPU support to continued work on bringing-up AMD Zen 4 CPUs, AMD RDNA3 enablement continuing, more work on Intel DG2/Alchemist, Intel Idle driver support for Alder Lake, initial Raptor Lake P graphics support , Zstd compressed firmware, and some nice performance improvements.


AsahiLinux

In today’s Linux 5.19 release announcement, Linus Torvalds went on to write about his Arm-based MacBook usage now under Linux thanks to the work of the Asahi Linux project:

On a personal note, the most interesting part here is that I did the release (and am writing this) on an arm64 laptop. It’s something I’ve been waiting for a _loong_ time, and it’s finally reality, thanks to the Asahi team. We’ve had arm64 hardware around running Linux for a long time, but none of it has really been usable as a development platform until now.

It’s the third time I’m using Apple hardware for Linux development – I did it many years ago for powerpc development on a ppc970 machine. And then a decade+ ago when the Macbook Air was the only real thin-and-lite around. And now as an arm64 platform.

Not that I’ve used it for any real work, I literally have only been doing test builds and boots and now the actual release tagging. But I’m trying to make sure that the next time I travel, I can travel with this as a laptop and finally dogfooding the arm64 side too.

More commentary can be found via the release announcement.

Linus Torvalds also noted he will likely end up calling Linux 5.20 as the Linux 6.0 kernel.

See my Linux 5.19 feature overview for a full list of the major feature changes in this new kernel.

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Categories
Sports

Cody Walker brushes Cameron McInnes, hand shake, South Sydney Rabbitohs vs Cronulla Sharks, Cody Walker temper

It seems South Sydney’s Cody Walker wasn’t too happy with Cronulla’s Cameron McInnes after their game on Saturday with Walker spotted brushing McInnes’ handshake at full time.

The Sharks defeated the Rabbitohs 21-20 in a golden point thriller with Nicho Hynes slotting the matchwinning field goal after a few failed attempts from Latrell Mitchell Matt Moylan.

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Afterwards Walker went down the line, shaking hands with Nicho Hynes before locking eyes with McInnes and then shoving him away as McInnes attempted to shake his hand.

McInnes turned back as Walker continued down the line and appeared to follow after him.

The pair played together at the Rabbitohs before McInnes joined the Dragons in 2017.

Walker set up a try, got four tackle busts, two offloads and ran for 73 meters but overall it was a night to forget for the Bunnies’ star five-eighth as Sharks players continued to get under his skin.

The McInnes moment comes six weeks after Walker’s temperament was labeled a “massive problem” for the Rabbitohs given rivals are now purposely trying to set him off.

Dragons prop Aaron Woods revealed after their 32-12 win over the Rabbitohs in Round 15 that trying to get under Walker’s skin was a part of their game plan.

Clearly accepts five game ban | 00:45

“If we can get him off his game a little bit, try to frustrate him and pressure him we know he does get a little bit angry,” he told Triple M at the time.

“The fuse is pretty short with him and you can get him off the game. That was part of it [the game plan].”

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Categories
Australia

Sydney motorists being slugged $2 billion a year in tolls, report finds

New South Wales drivers are being slugged more than $2 billion in tolls each year, a parliamentary report has revealed.

The Legislative Council’s Transport Committee today handed down a report on the state’s road toll system.

The review found motorists are undertaking more than one million toll trips a day which is adding up to more than $2 billion a year in toll revenue for the government.

More than 45,000 E-Toll users overcharged in system error.
A report has found Sydney road users are being slugged $2 billion a year in tolls. (Louis Douvis)

It also found the government has “failed” to provide details to the inquiry about the total toll burden under existing contacts, including new toll roads and the granting of concessions on already built roads.

The inquiry estimated this burden to be more than $100 billion.

It also found the decision by NSW Treasury not to publicly release the contract details about the WestConnex until 2060 an “abuse of executive power”.

Toll E-Tag deposit credit scheme sydney roads
The report made a range of recommendations to change the state’s tolling system. (Janie Barrett)

Chair of the Committee Abigail Boyd said road users have the right to know whether the government’s tolling contracts are “in the public interest and deliver a fair price.”

“The evidence tended to this inquiry made it impossible to ignore the significant impact that tolls are having on residents and businesses,” she said.

“They are clearly paying a high price for the government’s continuing privatization of our roads, and not just in monetary terms.

“Paying exorbitant tolls just to complete a day’s work, access medical care or attend study, is an unreasonable impost on household budgets that are already stretched by mounting cost of living pressures.”

NRMA spokesperson Peter Khoury said toll prices are “all over the place” and a standardized approach should be taken.

“We want people getting home quicker, that’s why we’re building toll roads but if the roll roads aren’t set at a fair and equitable price, people won’t use them and nobody wins,” he said.

Toll roads cashback E-Tag initiative
The report found motorists in the city’s west are being hit at the hip pocket the most. (Wolter Peeters, The Sydney Morning Herald)

Boyd said the impact of high tolls is particularly evident for west and south west Sydney residents due to the lack of public transport options as an alternative to driving.

The review made a range of recommendations including that the government adopt toll caps and flag falls rather than distance-based tolling across the network.

It also recommended toll relief and cashback schemes are reviewed to make sure the money is going back to the people who need it “based on their ability to pay as well as the existence of public transport alternatives”.

Other recommendations included a review of the rate by which tolls go up and a reduction in administration fees.

Motorbike or car – who gives way?

Categories
US

Putin pledges to expand Russia’s naval power, citing US as top threat

Russian President Vladimir Putin signed a naval doctrine on Sunday that accused the United States of seeking to dominate the world’s oceans and extends Moscow’s own ambitions into the Arctic Ocean.

Putin inked the document shortly before delivering a patriotic speech on Navy Day urging Russia to defend its national security interests, according to Reuters.

The 55-page naval doctrine says Russia will aim to become a “great maritime navy” with a presence across the world to counter the “strategic policy of the USA to dominate the world’s oceans.”

“Guided by this doctrine, the Russian Federation will firmly and resolutely defend its national interests in the world’s oceans, and having sufficient maritime power will guarantee their security and protection,” the doctrine reads, per Reuters.

It also says Russia will expand its ambitions in the Arctic Ocean. The US has previously warned Russia and China against aggression in the Arctic region.

Speaking at the city of St. Petersburg off the Neva River later in the day, Putin said Russia will “defend our interests” in claimed territories.

“We need to take resolute action today, given the challenges we’re facing,” the Russian leader said. “The homeland for everyone is a sacred concept. We need to defend it.”

As Putin finished, he earned a large “hoo-rah” from the naval sailors and officers who gathered for Navy Day, which is celebrated on the last Sunday of July.

Putin did not mention the war in Ukraine, but he pledged to defend Russian naval power in the Black and Azov seas.

“We need to rely on our capabilities, and anyone who would like to endanger our sovereignty will get a strong response,” Putin said.

The Russian president ordered an invasion of Ukraine in late February, in part because he feared Ukraine would join the western security alliance NATO.

With the US spending billions to arm Ukraine, tensions between Moscow and Washington are higher than at any point since the Cold War.

However, Secretary of State Antony Blinken and Russian Foreign Minister Sergey Lavrov on Friday held their first call since the war began, to discuss a possible prisoner swap.

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Categories
Business

China Evergrande plan underwhelms

What was once a river of cash has turned into a trickle as the property crisis Evergrande helped trigger has scared off buyers, with the revolt by mortgagors – sparked in June by buyers of an uncompleted Evergrande project – exacerbating the already crushing pressure on developers.

The mortgagors are refusing to service the bank loans they took on to buy their apartments and the protest movement that started with the Evergrande development has now spread to about 320 projects across China and caused the central authorities to set up a $64 billion fund to help developers complete their unfinished projects.

If Xi Jinping wants a smooth path to the unprecedented extension of his leadership of the Communist Party to a third term, however, Beijing might have to get more directly and aggressively involved in the crisis.

If Xi Jinping wants a smooth path to the unprecedented extension of his leadership of the Communist Party to a third term, however, Beijing might have to get more directly and aggressively involved in the crisis.Credit:AP

Worryingly for the authorities and China’s banks, unpaid suppliers to Evergrande projects are also starting their own repayment strike which, if it were to spread as the mortgagors’ actions have spread, would amplify the financial and economic effects.

Evergrande’s plight, already appearing hopeless, seems to worsen every time it provides an update.
Last month its chief executive and chief financial officer were forced to resign after an investigation of the circumstances in which about $US2 billion of deposits within an Evergrande subsidiary were used as security for borrowings by third parties. That $US2 billion appears to have been seized by the third parties’ banks.

On Sunday, Evergrande said one of its subsidiaries had been ordered to pay a guarantor of the borrowings of some Evergrande entities about $US1 billion for failing to honor its financial obligations. The subsidiary had pledged a shareholding in Shengjing Bank it owed as security, which will now be sold and the proceeds taken by the guarantor.

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As Evergrande’s woes became apparent last year as it struggled to conform to Beijing’s “three red lines” policy (essentially leverage limits) it spread contagion throughout the property sector and, with property activity accounting for about a third of China’s economy, throughout the economy.

Chinese developers – about 30 of the top 100 developers – have defaulted on about $US20 billion of offshore debts so far. Developments have been frozen, either incomplete or not even started and income from pre-sales has dried up.

On Friday data on home sales by the top 100 developers was released that showed sales fell almost 40 per cent in July relative to the same month a year earlier and were almost 29 per cent lower than in June this year.

The mortgage boycotts, the sheer number of developments that have been frozen incomplete and the impact of China’s harsh “zero COVID” policies on prospective borrowers’ incomes have gutted activity levels in the sector.

The combination of COVID lockdowns and the implosion in property sector activity were major negative influences on China’s meagre 0.4 per cent GDP growth rate in the June quarter.

What was once a river of cash has turned into a trickle as the property crisis Evergrande helped trigger has scared off buyers, with the revolt by mortgagors exacerbating the already crushing pressure on developers.

So far the chaos in the sector hasn’t had any visibly material impact on China’s banks, which have reported less than $500 million of mortgage delinquencies.

Estimates by credit ratings agencies and investment banks, however, suggest that they could experience roughly $500 billion of mortgage-related losses if the property market’s worst-case scenario were to unfold.

The authorities have yet to unveil their own plan for stabilizing the industry, leaving that responsibility largely to local governments that are themselves being impacted by the liquidity crisis in the sector. Local governments rely on sales of land to developers for nearly a third of their own income.

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To stabilize the sector before the accelerating drainage of liquidity destroys the sector the big developers have themselves to be either stabilized or liquidated in an orderly fashion that doesn’t create a deeper and broader financial crisis.

Given the nature of China’s political system and the authorities’ control over every aspect of the economy, that’s possible despite the apparent tardiness in recognizing and responding to the scale of the problems.

If Xi Jinping wants a smooth path to the unprecedented extension of his leadership of the Communist Party to a third term, however, Beijing might have to get more directly and aggressively involved before the nation’s foundations of social and economic stability, already shuddering, become even wobbling.

Categories
Technology

Rehydration Solution Hydralyte Awards New Launch to 72andSunny Sydney

72andSunny has been appointed to create a new platform and campaign to launch a new product range for Hydralyte.

Hydralyte is Australia’s number one oral rehydration solution, developing high quality products that rehydrate you faster than water alone, backed by scientific expertise and a philosophy that life is more enjoyable when you feel great.

72andSunny will be responsible for the new product range’s creative strategy and campaign development to drive penetration and growth for the Hydralyte brand. Media planning and buying will be led by This Is Flow.

Joan Isaac, marketing manager, Hydralyte says: “We partnered with 72andSunny due to their innovative, disruptive and challenger mindset that they have displayed across other brands. This came through as we embarked on our journey and the end result will certainly reflect that.”

Ross Berthinussen, president 72andSunny ANZ, says: “Hydralyte is such an essential product with a huge opportunity to grow its household penetration, if we can make it meaningful in the daily lives of Australians. We have built a great relationship with the Hydralyte team and we’re excited with where we can take this brand and new launch together”

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Categories
Sports

Gerard Whateley re-commits to SEN

Sports Entertainment Network (SEN) is proud to announce Gerard Whateley will continue to call SEN home, with the acclaimed broadcaster and Chief Sports Caller re-signing with the network.

Whateley joined SEN in 2018, combining authoritative journalism and sharp-eyed analysis with emotive broadcasting, his self-titled morning show sets the sporting agenda for the day ahead.

Whateley and his program have enjoyed a string of accolades, including multiple awards from the Australian Football Media Association for ‘Best Radio Show’ and, most recently, the 2021 winner for the ‘Best Match Caller – Radio’ award.

In addition, the program regularly features within the top 10 of the Australian Podcast Ranker, with approximately one million downloads per month.

Whateley’s broadcasting prowess extends past AFL football, with the Quill Award winner having broadcasted a range of major sporting events across the SEN airwaves, including the Super Bowl, Olympic Games, International Test Cricket, and the Melbourne Cup.

On his re-commitment to SEN, Whateley said the appetite for sport discussion has never been greater.

“The daily conversation about sport and the issues intertwined in the games we play has never been more stimulating or relevant.

“And the expansion of SEN to a national, and indeed international network, adds to the magnitude and scope of our live sports broadcasts from AFL Nation to Test cricket around the world and the Super Bowl.

“My view from day one hasn’t altered – this is where I want to be. And almost five years in it feels like we’re just getting started.”

Sports Entertainment Network Chief Executive, Craig Hutchison, said he was thrilled that Whateley will continue to welcome listeners with “Good Morning” for many years to come.

“We are absolutely delighted that Gerard will continue to help lead the SEN family for years to come.

“It is hard to imagine anyone on air anywhere that’s more respected in Australian sports circles.

“Gerard’s respect for sport, its participants and administrators, and for sports fans of all ages and backgrounds shines through each day. It is matched only by their respect for him in turn.

“It’s the reason his show “Whateley” is the most downloaded morning radio show in Australia of any type.

“We are thrilled that he’ll continue to call the biggest moments in AFL, cricket, the Super Bowl and more as our chief commentator and host for years to come.”

Whateley airs Monday through Thursday from 9 am – 12 pm AEST on SEN 1116am (Melbourne), SEN SA 1629am (Adelaide), SEN Tassie 1629am (Hobart), SEN Top End 1611am (Darwin), SEN Kalgoorlie 1611am and streamed via the SEN App .





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Categories
Australia

Protests dream as clearing begins on controversial $1.25 billion Bunbury Outer Ring Road

Residents opposed to a major highway being built through a community in WA’s South West have protested as bulldozers move in, with police intervening as people tried to block machinery.

The $1.25 billion Bunbury Outer Ring Road will take traffic around WA’s second-biggest city to create a more direct route between Perth and the Margaret River tourist region.

After a lengthy environmental approvals process, fences were this month erected around a decades-old road reserve cutting through the semi-rural community of Gelorup.

More than 300 people gathered on Sunday afternoon to protest the road going through their suburb, which they say will devastate the local environment.

People stand on a road holding placards
People protest the construction of the southern section of the road through their semi-rural community.(ABC South West: Ellie Honeybone)

This morning, bulldozers and excavators were on stand-by, with about 20 people turning up in the middle of a severe weather warning to protest.

At least one person was issued a move-on notice by police after refusing to move out of the way of machinery.

Bob Brown calls for road rethink

Former Greens leader Bob Brown addressed the crowd gathered on Sunday, calling for federal Environment Minister Tanya Plibersek to reverse her decision to clear the 200 hectares of woodlands.

A man wearing a beige sweater stands behind a large red sign
Bob Brown urged construction work to be halted.(ABC South West: Sam Bold)

“This is an absolute utter disgrace if this goes ahead,” Mr Brown said.

“There’s alternatives, there’s open cleared areas where the proposed road could go but there’s no alternative to this woodland for these rare creatures that live in it.”

Mr Brown drew a link between the Minister’s National Press Club speech in which she detailed the degradation of Australia’s natural environment, due in part to sustained land clearing.

A giant furry possum costume in a crowd
More western ringtail possums were surveyed in the road reserve than originally thought.(ABC South West: Sam Bold)

“You’re off to a bad start … and if you don’t get this right, if you don’t turn this around — like the possums in the way of the bulldozers — you won’t recover.”

WA’s Main Roads agency had considered an alternative route that would take the highway around Gelorup.

An environmental impact assessment found that while the original route would have a higher impact on the western ringtail possum, the alternative option would significantly impact on wetlands and endangered aquatic fauna.

A man holding two signs in a rural setting
Residents have vowed to keep fighting as the excavators move in.(ABC South West: Sam Bold)

Ms Plibersek said in a statement her approval required Main Roads to show it could “protect matters of national environmental significance” and “minimise the impacts of habitat fragmentation.”

She said an environmental offset strategy was also being prepared.

‘Rigorous’ environmental approvals

Main Roads WA has been bound by a strict set of environmental conditions to minimize impacts on the local flora and fauna — including the endangered Carnaby’s black cockatoo and western ringtail possum.

BORR Gelorup corridor
The road corridor has been preserved for more than 40 years and contains dense bushland.(ABC South West: Anthony Pancia)

A Department of Environment spokesperson described the process as “rigorous”.

The road being built is a significantly reduced version of the freeway-standard route initially planned.

A total of $852 million was budgeted for the Bunbury Outer Ring Road when it was announced in 2019, however, it was revealed earlier this year that figure had blown out to $1.25 billion.

A kangaroo spotted in a bush setting
A kangaroo within the road reserve set to be cleared over the next few weeks.(ABC South West: Asha Couch)

Despite that, four bridges that would have carried traffic over existing major roads have been abolished from the plans in order to save money in the face of rising construction and material costs.

It meant a promised 15-minute time-saving on the journey around Bunbury had been abandoned, as had the promise of a free-flowing freeway, with motorists instead having to negotiate roundabouts at key intersections.

BOOR warning sign on Woods Road
Fences were installed around the road reserve in the past week.(ABC South West: Anthony Pancia)

Further cash injections had also not been ruled out, with the WA government’s upper house leader Sue Ellery telling parliament in May that additional funding would be sought if it were needed to deliver the project.

Main Roads said the road is set to be completed and opened to traffic by late 2024.

An aerial photo of a construction site amid green farmland
Construction is already well advanced on the northern section of the road.(Supplied: Nearmap)

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Categories
US

Man with loaded AK-47 arrested outside Iranian journalist’s Brooklyn home

Alinejad was targeted in an alleged kidnapping plot last year by Iranian nationals after speaking out against the Iranian regime. The indictment in that case alleged the plot was organized by an Iranian intelligence official, but Iran’s Ministry of Foreign Affairs denied any involvement, calling the accusation “baseless and ridiculous,” according to semi-official Iranian state media.

Alinejad said she was home Thursday when federal agents informed her about the armed individual.

“I was told by the FBI to ‘stay away from your home,'” Alinejad told CNN by phone Sunday. “I was shocked. I couldn’t even believe it. I was telling myself, ‘if I opened the door, what was I going to do?'”

NYPD officers arrested Khalid Mehdiyev Thursday afternoon as he drove away from the Brooklyn neighborhood after he failed to stop at a stop sign, according to a federal criminal complaint obtained by CNN. It also said NYPD officers found he was driving without a valid license. Law enforcement officials later found a suitcase in the backseat of his vehicle containing an AK-47-style assault rifle loaded with a round in the chamber, an additional second magazine and $1,100 in $100 bills, according to the complaint.

He is charged with possessing a firearm with an obliterated serial number. Mehdiyev is set to be back in court August 12. CNN has reached out to his attorney, Stephanie Marie Carvlin, for comment but has not heard back.

Law enforcement officials say they saw Mehdiyev, a Yonkers resident, in the Brooklyn neighborhood on two occasions last week, Wednesday and Thursday, and also discovered that he’d been issued a parking ticket in the same neighborhood the weekend before, on July 23, according to the complaint.

On Thursday morning Mehdiyev drove a gray Subaru Forester SUV with Illinois license plates and remained in the area for several hours where he “behaved suspiciously,” the complaint states. On one occasion, Mehdiyev got in and out of his car several times, ordered food delivery service to his car de él, and approached a home in the neighborhood – where Alinejad resides – peering inside the windows and attempting to open the front door, according to to the complaint.

Alinejad says she was on a Zoom call with Chairman of the Human Rights Foundation, Garry Kasparov, and Venezuelan politician and opposition leader Leopoldo López when she found out about the armed individual.

“I’m glad my friend @Alinejad Masih is healthy and safe and that the police acted capably against what might have been a deadly situation,” Kasparov tweeted from his verified account Sunday.

The activist shared a security video on her official Twitter account of the man who she says federal agents told her was the same man arrested by police Thursday.

“These are the scary scenes capturing a man who tried to enter my house in New York with a loaded gun to kill me,” she tweeted, although no gun can be seen in the image. “Last year the FBI stopped the Islamic Republic from kidnapping me. My crime is giving voice to voiceless people. The US administration must be tough on terror.”

Alinejad says she has spoken monthly with federal agents since alleged the kidnapping attempt last year.

“I really thought that the plot was over. I thought, ‘OK, I can focus on my job’ — which I am going to do, nothing is going to stop me,” she said.

“I see this as the continuation of trying to keep Iranian women down,” the activist told CNN.

Alinejad, who frequently shares photos and videos of what she says are “voiceless” Iranian women through her social media accounts, says Iranian officials recently warned her about continuing her activism.

A spokesperson for Iran’s Headquarter for Promotion of Virtue and Prevention of Vice announced in July that anyone who sends videos to Alinejad regarding the hijab or commits other anti-government activities is subject to a sentence of up to 10 years in prison.

“It’s the 21st century: Enough is enough,” Alinejad said. “I left my country, Iran, to be safe, to be the voice for voiceless people. That’s my crime. I want to enjoy freedom of expression as an American.”

CNN’s Liam Rielly contributed to this report.

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Categories
Business

Mortgage borrowers facing reality of a $500 monthly hike ahead of RBA’s August decision

The average aussie mortgage borrower is facing an extra $500 a month hike on their repayments compared to May if interest rates are hiked tomorrow.
the Reserve Bank of Australia (RBA) will decide the nation’s cash rate target at 2:30pm tomorrow, where it is widely expected to lift rates by 50 basis points.

If this forecast is realized, the average borrower with a $500,000 loan size and 25 years remaining would be looking at a $140 monthly increase – or $472 since the RBA began lifting rates in May 2022.

If a 0.50 per cent hike is brought in tomorrow, the average borrower would be enduring a near $500 a month increase since May. (Flavio Brancalone)

For those with bigger loans, the repayment jumps are equally stark.

A person with a $750,000 loan would be looking at a monthly increase of $211 (up $708 a month since May) while those with a $1 million loan would be facing a monthly increase of $281 (or an eye-watering $944 a month increase since May ).

Australia’s cash rate is currently 1.35 per cent, so a 50-basis-point increase would take the baseline borrowing rate to 1.85 per cent.

The market is anticipating that the RBA will continue hiking interest rates until they hit 3 per cent, or until inflation is tamed – whichever comes first.

Property prices are plummeting as borrowers are forced to fork out more on their monthly repayments. (APA)

RateCity.com.au research director Sally Tindall said tomorrow’s rate hike, if realised, would be causing many to take a detailed look at their monthly expenses.

“Some borrowers may now be hitting the panic button as the rate hikes start to snowball,” Tindall said.

“Finding an extra $500 a month to cover the mortgage will be a struggle for many families who are already juggling rising grocery and petroleum costs.

“With inflation now set to rise to 7.75 per cent and several more cash rate hikes in the pipeline, many households will need to bunker down for the next six to 12 months.”

RBA Governor Philip Lowe said the central bank was keeping a close eye on the property market. (APA)

Tindall said a side-effect of rising interest rates was a retraction of the property market, which has seen prices skyrocket during the historic-low days of a 0.1 per cent cash rate.

“The rapid rise to the cash rate, and the increasingly gloomy forecasts, have Australia’s property market rattled,” she said.

“We are already seeing significant drops to house prices in key property hotspots such as Sydney, Melbourne and Hobart, as would-be buyers hit the pause button to see how the chips fall.

“If the RBA hikes again tomorrow, it’s possible there may soon be no lenders with variable rates under 3 per cent. This is a stark change from just 12 months ago, when 113 lenders were offering variable rates under 3 per cent.”

Adelaide home smashes expectations with $2.52 million sale

Have recent interest rate rises forced you to cut back on essential expenses? We want to hear your story. Get in touch with reporter Stuart Marsh at [email protected].

The information provided on this website is general in nature only and does not constitute personal financial advice. The information has been prepared without taking into account your personal objectives, financial situation or needs. Before acting on any information on this website you should consider the appropriateness of the information having regard to your objectives, financial situation and needs.