Tag: employee

  • Pensionable Age Cut: Will the age for additional pension for retired employees be reduced? know latest update


    – Advertisement –

    Pensionable Age Cut: The government has assured that the payment of additional pension is made automatically through banks and pension distribution agencies. Instructions are also issued from time to time to avoid any delay or disturbance in this.

    There has been a long standing demand to reduce the existing age limit for additional pension to retired central employees. However, the government has once again clarified its stand on this matter. The central government said that there is no plan to reduce the minimum age eligibility for additional pension to retired central employees.

    – Advertisement –

    There is no approval for reducing the minimum age limit for additional pension
    The central government has made it clear that the minimum age for additional pension will remain 80 years. In response to a question asked in the Lok Sabha, the government said that there was a proposal to increase this limit to 65 years, but it has not been approved.

    An MP asked whether the government was considering reducing the age limit to 65 years as recommended by the Parliamentary Standing Committee on Pensioners’ Grievances and, if so, sought details about it.

    In response to this question, Union Minister of State for Personnel Jitendra Singh said in the Lok Sabha that on the recommendation of the Sixth Pay Commission, the government has approved 20% additional pension at the age of 80 years, 30% at the age of 85 years, 40% at the age of 90 years, 50% at the age of 95 years and 100% at the age of 100 years.

    He said that as age increases, especially health-related needs also increase, so provision for additional pension has been made. But there is no plan to reduce the minimum age eligibility for additional pension.

    Will the rules on additional pension age change for central government employees?
    The Parliamentary Standing Committee had recommended giving additional pension from the age of 65 in 2021. The government considered it and also submitted its report in 2022. After this, the committee decided not to pursue the issue further. That is, at present the government has no plans to reduce the minimum age eligibility.

    How are central government pensioners paid?

    The government has assured that the payment of additional pension is done automatically through banks and pension distribution agencies. Instructions are also issued from time to time to avoid any delay or disturbance in this.

    How will the impact of rising inflation on pension be reduced?

    Dearness Relief (DR) is given to pensioners, which applies to both their basic pension and additional pension. Its rate is the same as that of Dearness Allowance (DA).

    Possibility of change in pensionable age in future?

    At present, the government does not intend to make any changes in this rule. But in view of the rising inflation and cost of living, the government will keep an eye on this issue. It is clear from this decision of the government that one should not expect to get additional pension before the age of 80 years. At present, Dearness Allowance is the only support for retired central employees, through which they can get some relief.

    Related Articles:-

    ATM Users Alert! ATM interchange fee will change from May 1, you will have to pay more charge!

    ITR-1 or ITR-4, which is better for you… always keep these important things in mind

    New Bank Rules From 1st April 2025: ATM Fees, Minimum Balance Among 5 Key Changes

    – Advertisement –

  • Honorarium Hike: The honorarium of these employees will increase soon! check all details


    – Advertisement –

    Honorarium Hike: A big decision has been taken in the High Court in the interest of the employees. Actually, now once again the honorarium of the employees will be increased.

    Instructions have been given to take a decision within a month regarding the honorarium hike. The process can be started soon after the instructions given by the High Court. The court has ordered the Principal Secretary of Basic Education to submit an affidavit to comply with the order within a month.

    – Advertisement –

    In an important decision, Allahabad High Court has given one month’s time to Uttar Pradesh government to increase the honorarium of Shiksha Mitra. They will have to take a decision on the honorarium increase within 1 month. For this, orders have been given to submit a report of compliance of the order within one month. The registrar has been instructed to send a copy of the order to the Chief Secretary of Uttar Pradesh within 24 hours.

    Equal pay for equal work

    In such a situation, it is believed that a decision to increase the honorarium of Shiksha Mitra may come soon. In Uttar Pradesh, Shiksha Mitra had filed a petition in the High Court demanding equal pay in 2023. They said that equal pay should be given for equal work. The High Court had earlier ordered the state government to form a committee considering the salary of Shiksha Mitra as the minimum.

    Instructions to the government to take decision within 1 month

    Along with this, they have to be provided with respectable honorarium but no concrete initiative was taken by the state government on this issue. After which a contempt petition was filed in the High Court. Now the hearing of this case was going on in the court of Justice Salim Kumar Rai and while hearing the contempt petition, the High Court has directed the state government to take a decision within 1 month.

    Hike in honorarium of Shiksha Mitra

    On Monday, the government lawyer told the court that departmental deliberations are still going on and it may take some more time to take a decision on this. After which, the state government has been given an additional month’s time and the next hearing date has been fixed as May 1. With the order to take a decision within one month, it is believed that the honorarium of Shiksha Mitra of Uttar Pradesh will increase soon. Along with this, a big increase will be recorded in their salary.

    Related Articles:-

    Train Cancelled: Railways has canceled more than three dozen trains for the next few days

    TDS New Rule: New rules of TDS will be implemented from April 1, know what will change and who will get the benefit

    USA: H-1B visas will be canceled from today, know what will happen to the applicants now

    – Advertisement –

  • DA Arrear Payment: Will government employees get 18 months of DA arrears? know latest update


    – Advertisement –

    DA Arrear Payment: The central government increases the Dearness Allowance every year in January and July. But in 2020, due to the Covid pandemic, the government stopped the DA hike for 18 months.

    During this period, the employees were supposed to get DA in three installments, which is still pending.

    – Advertisement –

    Central government employees and pensioners have been demanding for a long time to pay the Dearness Allowance (DA) which was stopped during Covid-19. The Confederation of Central Government Employees and Workers has once again raised the issue of long pending demands of central government employees and pensioners.

    According to a circular issued by the Confederation, one of their various demands is to pay the arrears of Dearness Allowance (DA) withheld during the Covid pandemic. This DA arrears is from January 2020 to June 2021.

    In this circular, the government has been asked to resolve many other issues including the pending DA issue as soon as possible. Let us tell you that in the circular issued on 7 March 2025, the Confederation said that due to the lack of attention of the central government, their legitimate demands have not been met yet. Employee organizations have been agitating for their demands for a long time.

    What are the special demands of the Federation? 

    The organization’s charter of demands includes several demands, such as:

    • Demand for appointment of committee members including chairman under 8th Pay Commission.
    • The New Pension Scheme (NPS) should be abolished and the Old Pension Scheme (OPS) should be restored.
    • The three DA installments withheld during the Covid pandemic should be paid.
    • The amount deducted from the pension of employees and pensioners should be restored in 12 years (currently this period is 15 years).
    • The 5% limit on providing jobs on compassionate grounds should be abolished and all eligible applicants should be given appointment.
    • The vacant posts in all departments should be filled immediately and outsourcing and privatization in government departments should be stopped.
    • Employees’ organizations should be allowed to work democratically.

    Know what is the issue related to DA arrears?

    The central government increases the Dearness Allowance every year in January and July. But in 2020, due to the Covid pandemic, the government stopped the DA hike for 18 months. During this period, the employees were to get DA in three installments, which is still pending. The Federation says that the government should pay these pending arrears as it is the right of the employees and pensioners. But the government has not yet accepted their demand.

    Will the government pay the DA arrears?

    The government has made it clear on several occasions that it will not pay the DA arrears. The government’s argument on this is that it is not financially possible to do so. However, the Federation said in its circular that the employees will continue to raise their demands.

    Related Articles:-

    Train Cancelled: Railways has canceled more than three dozen trains for the next few days

    TDS New Rule: New rules of TDS will be implemented from April 1, know what will change and who will get the benefit

    CBDT launches utility on E- filing portal to seek inputs on simplification of the Income Tax Rules and Forms.

    – Advertisement –

  • SEBI to remove digital performance tracking from employee appraisals

    SEBI proposes new method to prevent stock manipulation in derivatives market

    SEBI to remove digital performance tracking from employee appraisalsIANS

    The Securities and Exchange Board of India (SEBI) has decided to remove the linkage of its digital Management Information System from employee appraisals.

    The regulator is now reassessing its performance review methods to bring in a more balanced approach, according to an NDTV Profit report.

    An internal circular has been issued regarding these changes. While the SEBI is working on modifying its review process, it will not completely discard the older methods but rather re-evaluate them for improvement, the report said.

    The concept of Key Responsibility Areas (KRAs) has been a part of the bSEBI’s system for over 20 years. However, like any evolving system, the regulator is now considering changes to make performance assessments more effective.

    Previously, the SEBI employees’ performance appraisals were significantly influenced by the digital Management Information System (MIS).

    The system tracked targets achieved and success rates, which played a crucial role in determining career progression.

    However, this approach led to concerns as some departments felt that their work was not accurately represented through numerical targets, the report added.

    Now, under the leadership of the new SEBI Chairperson, Tuhin Kanta Pandey, there has been a shift in approach.

    SEBI

    SEBI to remove digital performance tracking from employee appraisalsIANS

    According to the report, the focus has moved from quantity to quality, with less emphasis on rigid performance measurements.

    Reports also indicated that Chairperson Pandey has been actively engaging with employees across departments to address their concerns.

    Meanwhile, the market has reduced the timeline for completing rights issues from 126 days to just 23 days. The new rules will come into effect from April 7, allowing companies to raise capital faster.

    In a circular on March 12, the SEBI also introduced more flexibility in allotting shares to specific investors in rights issues.

    Under the revised framework, rights issues must now be completed within 23 working days from the date the company’s Board of Directors approves the issue.

    According to the market regulator, companies must keep the rights issue open for at least seven days and a maximum of 30 days.

    (With inputs from IANS)

  • Genesys launches AI for supervisors to enhance efficiency, employee performance and customer experiences – CRN

    Genesys launches AI for supervisors to enhance efficiency, employee performance and customer experiences – CRN

    Olivier Jouve

    Genesys announced a suite of Genesys Cloud AI capabilities designed to empower supervisors. These innovations help organisations navigate the future of work both within and beyond the contact centre. As enterprises worldwide are looking for efficiency and scale, Genesys is enabling organisations to expand automation and augment employee performance for improved customer experiences, operational productivity and business impact.

    With Genesys Cloud Supervisor Copilot and Genesys Cloud Virtual Supervisor, organisations can automate routine tasks and provide managers the support and insights to accelerate speed, improve work quality and increase overall effectiveness. The capabilities offer organisations real-time assistance to analyse data, train employees, oversee processes and handle critical business operations.

    Genesys estimates that it’s possible to see a 40% reduction in quality evaluation time, 25% reduction in multilingual evaluations and 38% decrease in quality management administrative costs through utilisation of these Genesys Cloud AI capabilities for supervisors, providing an opportunity for significant operational gains.

    According to a recent Genesys report, 46% of customer experience (CX) leaders surveyed said that improving the employee experience through AI technology like copilots is an initiative they plan to implement within the next two years. eir, Ireland’s largest telecommunications company, is already driving ROI from this technology. 

    “Genesys Cloud has enhanced our customer engagement, with AI capabilities like Copilots for agents playing a key role in helping us improve efficiency and service quality. The result of our AI transformation with Genesys Cloud: a 63% boost in our customer effort score, a 60-second drop in handle time, a 5% rise in sales conversations, and our multi-year partnership projected to bring significant added value over three years,” said John Connors, director of business transformation at eir. “Supervisor Copilot and Virtual Supervisor are the next AI game-changers, which we anticipate will continue to help us elevate our operational agility and workforce for stronger customer experiences.” 

    Augmenting performance for greater impact with supervisor Copilot

    Supervisor Copilot, the latest addition to the Genesys Cloud Copilot suite, builds on last year’s launch of Genesys Cloud Agent Copilot to streamline contact centre operations. These AI-driven copilots reduce manual workloads, uncover insights and enhance business outcomes.

    Acting as a sidekick for managers, Supervisor Copilot provides prescriptive support for quality assurance, compliance and coaching. Powered by generative AI, it automatically summarises interactions, allowing supervisors to quickly review and make informed decisions. With advanced quality and conversational intelligence, Supervisor Copilot strengthens compliance and effectiveness across both human and AI-led interactions, sharing context, identifying issues and uncovering opportunities to improve the customer experience.

    Automating tasks for greater productivity with virtual supervisor

    Using large language models, Virtual Supervisor enables managers to automatically populate evaluation templates from an interaction, saving time, increasing efficiency and ensuring comprehensive review capabilities. This automation gives managers deeper visibility into agent performance, behaviours and skills through structured insights that inform decision-making.

    Managers configure the level of automation and oversight, including the criteria assessed and whether to accept its recommendations, ensuring that Virtual Supervisor aligns with organisational policies, regulatory requirements and operational goals. This enables managers to move beyond limited quality control to drive performance at scale.

    Available as optional configurations in Genesys Cloud, organisations can choose to start using Supervisor Copilot and Virtual Supervisor now. The capabilities work seamlessly with all native Genesys Cloud offerings, including conversational AI, event data and journey management, to deliver more contextual customer engagement. By continuously sharing data across both human and AI-led interactions, these innovations don’t just improve independently; they get better together over time, delivering greater business value.

     Genesys Cloud AI capabilities for supervisors already powers a variety of use cases with more coming in the future. A few examples of how organisation can leverage these capabilities include:

     AI translate: Supervisors don’t need to be multilingual to make an impact. AI translates interaction details, including full transcriptions and summaries, across more than 70 languages for easy analysis and rich context.

    • AI summary: AI summary helps streamline interaction reviews by automatically transforming conversation data into clear, concise, and actionable summaries. By contextualising details, it captures key points and essential insights from both customers and agents. This generative AI capability enhances workflows, reduces review time and enables faster, more informed decision-making.
    • AI scoring: AI scoring can help managers automate quality evaluations, providing faster, less biased and more consistent assessments. AI scoring reviews every interaction, flagging those that need attention and eliminating the limitations of manual sampling, helping supervisors improve efficiency and performance improvements.

     “As organisations navigate the future of AI, Genesys Cloud can help them stay ahead by augmenting human potential with deeper insights and automation,” said Olivier Jouve, chief product officer at Genesys. “Through our suite of AI for supervisors, we’re enhancing customer experiences and redefining how work gets done. With real-time intelligence and greater efficiency, organisations gain macro-level understanding for strategic management and micro-level precision to improve interactions so they can accelerate business value and operational excellence at scale.”

  • Dearness Relief: DA hike for central employees may be announced soon, Know all details


    – Advertisement –

    New Delhi: Central government employees and pensioners are going to get good news soon. Actually, the government can increase Dearness Allowance (DA) and Dearness Relief (DR). DA is an important part of the salary of government employees and it is revised twice a year in January and July. Pensioners also get DR, which is linked to DA. This increase is done keeping in mind the rising inflation and cost of living.

    – Advertisement –

    How much will DA increase this time?

    Experts estimate that this time there may be an increase of about 2% in dearness allowance, which will be a relief for employees and pensioners. However, some experts say that the government can announce an increase of 3% to 4%. If this happens, it will be a big relief for the employees.

    How much will it affect the salary of the employees

    Currently, dearness allowance is 53% of the basic salary of employees. If DA is increased by 2%, then their DA will increase to 55 percent. In such a situation, if the basic salary of an employee is Rs 20,000 per month, then after a 2 percent increase in DA, his monthly salary will increase by Rs 400. Similarly, pensioners will also get the benefit of increase in DR, due to which they will feel some relief from the effect of inflation.

    How is DA calculated?

    Let us tell you that the decision to increase dearness allowance is mainly taken on the basis of All India Consumer Price Index (AICPI-IW), which is published by the Labor Bureau. The government analyzes this data and announces revision in DA on that basis.

    At the same time, the Governor of the Reserve Bank of India (RBI) had recently said that the consumer price index inflation rate for the current financial year is estimated to be 4.8%, due to which it is expected that DA may increase by more than 2%.

    – Advertisement –

  • Bank employees will go on strike on 24-25 March, unions called for these demands


    – Advertisement –

    The United Forum of Bank Unions has called for a two-day protest on March 24-25 over its various demands, including adequate recruitment across all cadres, regularisation of temporary workers and a five-day working week in the banking industry, news agency ANI reported on Monday. The United Forum of Bank Unions is an umbrella body of nine bank unions – AIBEA, AIBOC, NCBE, AIBOA, BEFI, INBEF, INBOC, NOBW and NOBO.

    – Advertisement –

    These are the demands of the unions

    • Adequate recruitment in all cadres
    • Regularize all temporary employees
    • Implementation of 5-day working week in the banking industry
    • Protect job security
    • Roll back DFS instruction on performance review
    • Withdraw DFS directive on PLI
    • Protect the bankers, ensure safety
    • No more assault and abuse! Safe workplace for bank officers and employees now
    • Filling up of posts of employee/officer directors in public sector banks
    • Resolution of pending issues with Indian Banks Association
    • Raise the maximum limit of gratuity to Rs 25 lakh and make it tax-free – parity with government employees now
    • Stop imposing unfair taxes on employee welfare. No income tax levy on concessional benefits-let management bear the cost
    • Protect national interests, retain 51% government equity in IDBI Bank

    They oppose these

    United Forum of Bank Unions says that we oppose the micro-management of PSBs by DFS on policy matters, which affects the service conditions of employees and officers and weakens bilateralism. Also, we oppose outsourcing of permanent jobs in banks, unfair labor practices in the banking industry. Lakhs of bank employees across the country will join this strike. This may affect the functioning of banks. If you have important work, then finish it beforehand.

    Related Articles:-

    H-1B Visa Fees: How much money will it take to get an H-1B visa? Explain in 5 points

    Vande Bharat Passengers: Good news..! Vande Bharat Express will run from Patna to Delhi till this date, check here

    Smart Card RC: Big news for drivers, now smart card RC will be available in UP too, Check all details

    – Advertisement –

  • 8th pay commission: Salary of government employees will increase by 186% in the 8th pay commission, this is how you will get benefit

    8th pay commission: Salary of government employees will increase by 186% in the 8th pay commission, this is how you will get benefit
    8th pay commission: Salary of government employees will increase by 186% in the 8th pay commission, this is how you will get benefit

    – Advertisement –

    PM Modi has approved the formation of the Eighth Pay Commission for central government employees. The government has said that it will be implemented from the year 2026. The names of the chairman and two members of the Eighth Pay Commission will also be announced soon.

    – Advertisement –

    People were eagerly waiting for the Eighth Pay Commission. It was in the headlines for a long time. PM Modi has approved the formation of the Eighth Pay Commission for the employees of the Central Government. The government has said that it will be implemented from the year 2026. The names of the chairman and two members of the Eighth Pay Commission will also be announced soon. Earlier, the 7th Pay Commission was constituted in the year 2016. Union Minister Ashwini Vaishnav has given information about the release of the 8th Pay Commission. He said that the Seventh Pay Commission was implemented in the year 2016 and its tenure is till 2026.

    When will it be implemented

    The Eighth Pay Commission is to be implemented from the year 2026. In such a situation, the reason behind its announcement so early is that it has been constituted so early so that suggestions, recommendations etc. can be handled properly in time. Government employees were still getting salary under the Seventh Pay Commission. With the implementation of the Eighth Pay Commission, there are high hopes of increase in the salary of the Central Government employees. Under this, the government can increase the pension and allowances of retired employees. The exact date of formation of this commission has not been announced yet.

    How much will the salary increase

    Ashwini Vaishnav said that soon the chairman and two members will be appointed to monitor the 8th Pay Commission. What will be the difference on the salary due to the arrival of the 8th Pay Commission. Let us know. The minimum salary is estimated to be Rs 34,560. At the same time, 17,280 +DR is expected as pension. This clearly means that the minimum salary can increase by about 186%. Pension can also increase on promotion and salary increase.

    What is the 8th Pay Commission

    The Central Government constitutes a commission. It is called the Pay Commission. It recommends changes in the salary structure of the Central Government employees. The previous 7th Pay Commission was constituted in February 2014. However, it was implemented on 1 January 2016. In the 7th Pay Commission, the salary of the employees was increased from Rs 7,000 to Rs 18,000. Usually a new commission is constituted every 10 years.

    Related Articles:-

    PM Kisan Yojana! Complete these 3 important tasks related to the scheme immediately, otherwise money will not come to your account

    8th Pay Commission: Government employees got a big gift, Cabinet approved the 8th Pay Commission, check immediately

    New Digital Visa Portal : Now applying for visa for Germany has become easier, new portal launched

    – Advertisement –

  • 8th Pay Commission approved for central govt employees; salary, DA hike expected

    Money rupee

    Reuters

    The Union Cabinet has given the green light for the implementation of the 8th Pay Commission, a move that will significantly impact millions of Central government employees and retirees. The announcement was made by Union Minister Ashwini Vaishnaw on January 16, 2025. This decision is expected to lead to a substantial increase in salaries, along with an adjustment in the Dearness Allowance (DA).

    The 8th Pay Commission, once established, will revise the pensions and allowances of Central government retirees. This move has been long anticipated by government employees and retirees who have been expecting a revision of their pay scales. The announcement comes just days ahead of the Budget 2025 announcements, adding to the significance of the decision.

    While the approval of the 8th Pay Commission has been confirmed, the exact date for its setup has not been announced yet. However, the Union Minister has indicated that the commission will likely be formed by 2026 and will come into force on January 1, 2026.

    Impact of the 8th Pay Commission

    To oversee the rollout of the 8th Pay Commission, a chairman and two members will be appointed soon. The decision to set up the 8th Pay Commission was taken at a meeting of the Cabinet chaired by Prime Minister Narendra Modi. The Minister stated, “For your awareness, our Prime Minister has approved the establishment of the 8th Central Pay Commission for all Central government employees.”

    PM Modi to inaugurate, lay foundation stones for multiple projects in Delhi

    IANS

    The 8th Pay Commission is expected to ensure that its recommendations are received well before the completion of the term of the seventh pay panel. Consultations will be held with central and state governments and other stakeholders to ensure a smooth transition.

    The 7th Pay Commission, set up in 2016, brought significant changes to the salary structure of government employees. Employee unions demanded a 3.68 fitment factor for salary revision, but the government decided on a fitment factor of 2.57.

    Anticipated Changes and Benefits

    This led to the minimum basic pay for government employees being raised to ₹18,000 per month, compared to the ₹7,000 in the 6th Pay Commission. The minimum pension also rose from ₹3,500 to ₹9,000. The maximum salary became ₹2,50,000 and the maximum pension became ₹1,25,000.

    The pay commission plays a crucial role in determining salary structures, allowances, and other benefits for government employees. Its recommendations significantly impact millions of workers and pensioners across the country. There are over 49 lakh central government employees and nearly 65 lakh pensioners.

    The formation of the 8th Central Pay Commission marks a crucial step towards revising pay, pensions, and allowances for central government employees. This proactive measure ensures that the recommendations will be reviewed and implemented in time, well before the 7th Pay Commission tenure concludes in 2026.

  • Good News for central government employees, now LTC facility will be available in Tejas and Vande Bharat

    Good News for central government employees, now LTC facility will be available in Tejas and Vande Bharat
    Good News for central government employees, now LTC facility will be available in Tejas and Vande Bharat

    – Advertisement –

    The government has made it more convenient by allowing travel in Tejas Express, Vande Bharat Express, and Humsafar Express trains under LTC. LTC (Leave Travel Concession) is an important scheme for central government employees, under which they get the facility of concessional travel to their hometown or any part of India once in four years.

    – Advertisement –

    The Centre has allowed its employees to travel by Tejas, Vande Bharat and Humsafar trains under Leave Travel Concession (LTC). The move comes after the Department of Personnel and Training (DoPT) received several suggestions from various offices/individuals regarding the admissibility of various premium trains under LTC.

    The Department has looked into the matter in consultation with the Department of Expenditure and it has been decided that in addition to the existing Rajdhani, Shatabdi and Duronto trains, travel in Tejas Express, Vande Bharat Express and Humsafar Express trains will now be allowed under LTC as per the eligibility of government employees, the DoPT said in an order issued on Tuesday.

    Eligible central government employees availing LTC get back the expenses incurred by them on tickets for other journeys in addition to paid leave.

    What is LTC service and how are the facilities

    LTC (Leave Travel Concession) is an important scheme for the Central Government employees, under which they get the facility of concessional travel to their hometown or any part of India once in four years. This scheme provides an opportunity to the employees to spend time with their family through travel and enjoy the beauty of different parts of the country.

    Recently, the government has made it more convenient by allowing travel in Tejas Express, Vande Bharat Express, and Humsafar Express trains under LTC. Along with this, taking a big decision in 2024, the special scheme for travel to Jammu and Kashmir, Ladakh, Andaman and Nicobar Islands, and Northeast region has been extended till 25 September 2026.

    This initiative is not only beneficial for the employees but is also helpful in promoting tourism in the country. This scheme gives the employees an affordable and comfortable travel experience and improves their quality of life.

    Related Articles:-

    PM Kisan Yojana! Complete these 3 important tasks related to the scheme immediately, otherwise money will not come to your account

    New Digital Visa Portal : Now applying for visa for Germany has become easier, new portal launched

    8th Pay Commission: Government employees got a big gift, Cabinet approved the 8th Pay Commission, check immediately

    – Advertisement –