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1973
PREAMBLE
We, the sovereign Filipino people, imploring the aid of Divine Providence, in order to establish a Government that shall embody our ideals, promote the general welfare, conserve and develop the patrimony of our Nation, and secure to ourselves and our posterity the blessings of democracy under a regime of justice, peace, liberty, and equality, do ordain and promulgate this Constitution.

ARTICLE I

THE NATIONAL TERRITORY
SECTION 1. The national territory comprises the Philippine archipelago, with all the islands and waters embraced therein, and all the other territories belonging to the Philippines by historic right or legal title, including the territorial sea, the air space, the subsoil, the sea-bed, the insular shelves, and the other submarine areas over which the Philippines has sovereignty or jurisdiction. The waters around, between, and connecting the islands of the archipelago, irrespective of their breadth and dimensions, form part of the internal waters of the Philippines.

ARTICLE II

DECLARATION OF PRINCIPLES AND STATE POLICIES
SECTION 1. The Philippines is a republican state. Sovereignty resides in the people and all governmental authority emanates from them.
SEC. 2. The defense of the State is a prime duty of the Government and the people, and in the fulfillment of this duty all citizens may be required by law to render personal military or civil service.
SEC. 3. The Philippines renounces war as an instrument of national policy, adopts the generally accepted principles of international law as part of the law of the land, and adheres to the policy of peace, equality, justice, freedom, cooperation, and amity with all nations.
SEC. 4. The State shall strengthen the family as a basic social institution. The natural right and duty of parents in the rearing of the youth for civic efficiency and the development of moral character shall receive the aid and support of the Government.
SEC. 5. The State recognizes the vital role of the youth in the nation-building and shall promote their physical, intellectual, and social well-being.
SEC. 6. The State shall promote social justice to ensure the dignity, welfare, and security of all the people. Towards this end, the State shall regulate the acquisition, ownership, use, enjoyment, and disposition of private property, and equitably diffuse property ownership and profits.
SEC. 7. The State shall establish, maintain, and ensure adequate social services in the field of education, health, housing, employment, welfare, and social security to guarantee the enjoyment by the people of a decent standard of living.
SEC. 8. Civilian authority is at all times supreme over the military.
SEC. 9. The State shall afford protection to labor, promote full employment and equality in employment, ensure equal work opportunities regardless of sex, race, or creed, and regulate the relations between workers and employers. The State shall assure the rights of workers to self-organization, collective bargaining, security of tenure, and just and humane conditions of work. The State may provide for compulsory arbitration.
SEC. 10. The State shall guarantee and promote the autonomy of local government units, especially the [barangays ], to ensure their fullest development as self-reliant communities.

ARTICLE III

CITIZENSHIP
SECTION 1. The following are citizens of the Philippines:
(1) Those who are citizens of the Philippines at the time of the adoption of this Constitution.
(2) Those whose fathers or mothers are citizens of the Philippines.
(3) Those who elect Philippine citizenship pursuant to the provisions of the Constitution of nineteen hundred and thirty-five.
(4) Those who are naturalized in accordance with law.
SEC. 2. A female citizen of the Philippines who marries an alien shall retain her Philippine citizenship, unless by her act or omission she is deemed, under the law, to have renounced her citizenship.
SEC. 3. Philippine citizenship may be lost or reacquired in the manner provided by law.
SEC. 4. A natural-born citizen is one who is a citizen of the Philippines from birth without having to perform any act to acquire or perfect his Philippine citizenship.

ARTICLE IV

BILL OF RIGHTS
SECTION 1. No person shall be deprived of life, liberty, or property without due process of law, nor shall any person be denied the equal protection of the laws.
SEC. 2. Private property shall not be taken for public use without just compensation.
SEC. 3. The right of the people to be secure in their persons, houses, papers, and effects against unreasonable searches and seizures of whatever nature and for any purpose shall not be violated, and no search warrant or warrant of arrest shall issue except upon probable cause to be determined by the judge, or such other responsible officer as may be authorized by law, after examination under oath or affirmation of the complainant and the witnesses he may produce, and particularly describing the place to be searched, and the persons or things to be seized.
SEC. 4. (1) The privacy of communication and correspondence shall be inviolable except upon lawful order of the court, or when public safety and order require otherwise.
(2) Any evidence obtained in violation of this or the preceding section shall be inadmissible for any purpose in any proceeding.
SEC. 5. The liberty of abode and of travel shall not, be impaired except upon lawful order of the court, or when necessary in the interest of national security, public safety, or public health.
SEC. 6. The right of the people to information on matters of public concern shall be recognized. Access to official records, and to documents and papers pertaining to official acts, transactions, or decisions, shall be afforded the citizen subject to such limitations as may be provided by law.
SEC. 7. The right to form associations or societies for purposes not contrary to law shall not be abridged.
SEC. 8. No law shall be made respecting an establishment of religion, or prohibiting the free exercise thereof. The free exercise and enjoyment of religious profession and worship, without discrimination or preference, shall forever be allowed. No religious test shall be required for the exercise of civil or political rights.
SEC. 9. No law shall be passed abridging the freedom of speech, or of the press, or the right of the people peaceably to assemble and petition the Government for redress of grievances.
SEC. 10. No law granting a title of royalty or nobility shall be enacted.
SEC. 11. No law impairing the obligation of contracts shall be passed.
SEC. 12. No ex post facto law or bill of attainder shall be enacted.
SEC. 13. No person shall be imprisoned for debt or non-payment of a poll tax.
SEC. 14. No involuntary servitude in any form shall exist except as a punishment for a crime whereof the party shall have been duty convicted.
SEC. 15. The privilege of the writ of habeas corpus shall not be suspended except in cases of invasion, insurrection, rebellion, or imminent danger thereof, when the public safety requires it.
SEC. 16. All persons shall have the right to a speedy disposition of their cases before all judicial, quasi-judicial, or administrative bodies.
SEC. 17. No person shall be held to answer for a criminal offense without due process of law.
SEC. 18. All persons, except those charged with capital offenses when evidence of guilt is strong, shall, before conviction, be bailable by sufficient sureties. Excessive bail shall not be required.
SEC. 19. In all criminal prosecutions, the accused shall be presumed innocent until the contrary is proved, and shall enjoy the right to be heard by himself and counsel, to be informed of the nature and cause of the accusation against him, to have a speedy, impartial, and public trial, to meet the witnesses face to face, and to have compulsory process to secure the attendance of witnesses and the production of evidence in his behalf. However, after arraignment, trial may proceed notwithstanding the absence of the accused provided that he has been duly notified and his failure to appear is unjustified.
SEC. 20. No person shall be compelled to be a witness against himself. Any person under investigation for the commission of an offense shall have the right to remain silent and to counsel, and to be informed of such right. No force, violence, threat, intimidation, or any other means which vitiate the free will shall be used against him. Any confession obtained in violation of this section shall be inadmissible in evidence.
SEC. 21. Excessive fines shall not be imposed, nor cruel or unusual punishment inflicted.
SEC. 22. No person shall be twice put in jeopardy of punishment for the same offense. If an act is punished by a law and an ordinance, conviction or acquittal under either shall constitute a bar to another prosecution for the same act.
SEC. 23. Free access to the courts shall not be denied to any person by reason of poverty.

Original Source: https://boringmoney.in/p/byjus-is-sued-by-its-lenders (my newsletter Boring Money -- please visit the link if you'd like to subscribe and receive similar posts in your inbox)
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Four years ago I read an article in The Ken titled The making of a loan crisis at Byju’s. The gist of the story was that Byju’s was an edtech doing phenomenally well selling its digital courses to parents of young students. But these courses were expensive and these parents were poor. So it was also selling them loans to buy these courses. Only, without telling them. Parents would expect a course (which could be cancelled) but would end up with a loan (which couldn’t be cancelled).
Three days ago, Byju’s went to court in New York. Here’s the headline from TechCrunch: Byju’s sues ‘predatory’ lenders on $1.2B term loan, won’t make further payments.
Byju’s is a company that, arguably, made a business out of giving out predatory loans. Now it’s sued its own lenders and accused them of being predatory. I’m not saying that this is poetic justice but.. okay, scratch that. This is poetic justice! If Shakespeare were a finance writer this is the kind of stuff he would come up with.

Everyone wants to lend to Byju’s

In 2021, interest rates were low, loans were cheap. Tech startups were doing great, edtech startups were crushing it. Byju’s, not one to be left behind, had raised a lot of money but money was cheap so it also wanted to borrow. It wanted a $500 million loan from lenders in the US, which it wanted to use to acquire companies there. Instead, it ended up borrowing more than double—$1.2 billion—because lenders practically wanted to throw money at this overachieving edtech startup from India. [1]
The way a term loan such as this works is:

1. A company goes to an investment bank and asks for a loan
2. The bank syndicates this loan to investors, who become the lenders. Everyone comes together in a room and negotiates the specifics of the loan (which can be quite complex, as we’ll see)
3. The loan goes through and everyone’s happy. Presumably, the company likes its lenders, the lenders like the company
4. The original investors might sell the loans they own to other investors. The company’s only talking to an administrative agent representing the lenders, so over time it might not even know who its lenders are

In November 2021, prominent investment managers such as Blackstone, Fidelity and GIC had gone overboard to lend money to Byju’s. By September 2022, Byju’s lenders were desperately selling [2] their loans at a 36% discount on the principal. (Today, Byju’s debt is at a 20% discount, which is also bad.)
It’s likely that Blackstone, Fidelity and other of the OG lenders aren’t Byju’s’ lenders any more. They’ve almost certainly sold off their loans at a loss. Better get paid something than get paid nothing.

Dealers of the dead

If a company’s debt is being sold at a 36% discount, it’s because investors think that the company is unlikely to repay its loans. If you buy such a loan, you potentially stand to gain a lot—because of the discount—but well, you might also just lose everything.
If you’re a regular investment management company, like Blackstone, you don’t want to invest in such a loan. Your investors gave you this money to get predictable returns. If they wanted risk, they’d ask you to buy stocks. You don’t want to get into a fight with your borrower. If you feel they will not pay you back, you take a loss, sell the loans, move on.
If you’re a distressed debt investor, your entire business is to buy such distressed loans from regular investment managers like Blackstone. You’re going to get nasty borrowers who are unlikely to want to repay their loans but that’s okay. Because you’re nasty too. You spend less time on financial models, more in courts and around lawyers. You like to fight to get your money back. Sometimes you might lose, but the times you win, you win big. The wins cover your losses and some more.
Blackstone and the others sold Byju’s’ loans in desperation, and they were almost certainly bought by distressed debt investors. We don’t know who they are exactly, but Byju’s has indicated that one of them is Redwood Capital, a New York-based distressed debt investor.
If you’re a distressed debt investor, this is how it works:

1. You get a loan for super cheap
2. If the company repays its loan, great! You make a lot of money
3. But the company isn’t likely to repay, which is why you got the loan for cheap in the first place
4. So it’s in your best interest to not let the company die a slow death. Instead, you want to kill the company quick. You take the company to court ASAP and take all the money you’re owed while it’s still there

If the new investors waited, say, for a year, and took Byju’s to court after it had actually defaulted on its repayments—there might not be any money left! Byju’s may have given all the money to Lionel Messi or maybe laundered it away someplace the lenders wouldn’t find it. If you’re a distressed debt investor, you want to get Byju’s to court and get the court to force it to do whatever it takes to pay you back.
Last month, Byju’s’ new lenders sued Byju’s in the Delaware Court of Chancery [3]. We’ll get to the official reasons for this lawsuit in a bit, but what’s important is that Byju’s was not being sued because it defaulted on a payment. It hadn’t. It was being sued because the distressed debt investors expect it to default sooner or later, and they would prefer dealing with it sooner rather than later.

Lenders go for the kill

Usually, the finer details of corporate loans such as Byju’s’ aren’t public. But thanks to the multiple lawsuits we know quite a bit here.
The loan was made to Byju’s’ US entity and it was secured with guarantees from multiple Byju’s companies. From Byju’s’ lawsuit this week against its creditors (which I will get to), here are the guarantors:

1. Byju’s entities in India and Singapore
2. Byju’s’ US and Singapore acquisitions; companies including Oros, Epic, Great Learning, and Neuron
3. Whitehat India, Byju’s’ famous Indian acquisition

That’s a lot of companies guaranteeing a loan! Byju’s’ Indian entity is the parent of all the other guarantor companies, so having it as a guarantor should’ve been enough. I guess the rationale here was that it would be nice to have some non-Indian companies in the mix too, we do know how efficiently Indian courts work.
Apart from Byju’s the parent company itself, Whitehat was the only other Indian company guaranteeing this loan. The problem was that Whitehat itself, on paper, had negative net worth. It had probably taken loans of its own and did not have enough assets to cover them. In practice, this would be irrelevant, because Whitehat was owned by Byju’s and it would cover any of Whitehat’s liabilities. But, apparently, RBI regulations require Indian companies with negative net worth to take its approval before guaranteeing a loan. So even though Whitehat was a guarantor, the guarantee was meaningless until RBI granted its approval.
Yeah, well, RBI didn’t grant its approval. From the lawsuit:

Plaintiffs, Borrower, and Lenders had a call on or around October 6, 2022, to discuss the Whitehat Guarantee. In a good faith effort to negate any impact of the new regulations, Plaintiffs and the Borrower offered to move all assets out of Whitehat India into other subsidiaries of the Parent Guarantor that are Guarantors to the Credit Agreement, or are owned by Guarantors of the Credit Agreement.
Lenders rejected this proposal without justification.

In October 2022, after Byju’s’ debt was already sold to the distressed debt investors, the company spoke to its lenders and informed them that it was unable to get RBI’s approval for Whitehat to be a guarantor. Instead, it offered to move Whitehat’s assets into other companies and then use those companies to guarantee the loan. Which would really have been the same thing. But the lenders refused! Why?!
Continuing from the lawsuit:

Lenders subsequently asserted that an event of default under Section 8.1(e) of the Credit Agreement (an “Event of Default”) had occurred due to the failure to procure the Whitehat Guarantee.

Oh, that’s why. Byju’s’ lenders—distressed debt investors that wanted Byju’s dead ASAP—used the fact that Whitehat couldn’t be a guarantor of this loan to claim a default and use it as a reason to take Byju’s to court in the US. Honestly, I’m impressed. The Whitehat guarantee was redundant to begin with, but the lenders had found an out and their official reason #1 to take Byju’s to court.
Oh, there’s another thing. In June 2022, The Ken reported that Byju’s’ financials for 2021 had been held up by its auditors because of certain, umm, creative accounting. By this time, Byju’s should have ideally filed even its 2022 financials. It was very late! From the lawsuit:

The FY’21 Audit was delivered to the Lenders on August 30, 2022. It did not contain a “going concern” qualification or any similar qualifications about the Parent Guarantor’s ability to continue into the future.
However, the FY’22 Audit could not begin until the FY’21 Audit had been completed, and the Parent Guarantor’s business has continued to grow rapidly

Byju’s’ 2021 financials were held up because auditors weren’t giving the company their go ahead, so of course its 2022 financials were held up as well.

On or around August 29, 2022, Shearman & Sterling, LLP (“S&S”), counsel for GLAS, sent a letter to Byju’s Alpha and Think & Learn requesting certain financial disclosures from Plaintiffs and Borrower, and asserting that the failure to deliver this financial information was a breach of the Credit Agreement.
...
Rather than actually suffering any damage from the delayed FY’22 audit, Lenders opportunistically used this unintentional and non-material delay to exert pressure on Plaintiffs and the Borrower to extract onerous economic concessions.

I love it! Byju’s’ financials were delayed. Its agreement with the original lenders said that the company must share its audited financials with them. Byju’s wasn’t able to do that. The lenders found their official reason #2 to take Byju’s to court.

Byju’s sets up an offence

Before the lenders sued Byju’s last month, Byju’s tried its best to negotiate a deal. It gave the lenders an assurance of the company’s financial health, gave them concessions worth “tens of millions of dollars” and requested (pleaded) to take back their claims of Byju’s defaulting.
The lenders refused. They asked for either the full principal back or two-thirds of it, with an increment of 7% (!!) in the interest rate. Byju’s, of course, said no.
At this point, Byju’s knew that the lenders weren’t going to negotiate realistically. So it prepared its own offence. From the lawsuit:

The Credit Agreement prohibits transfers or assignments of the Lenders’ interests in the Term Loans to “Disqualified Lenders.”
The Credit Agreement includes in its definition of Disqualified Lender “[a]ny [] Person (including an Affiliate or Approved Fund of a Lender) whose primary activity is the trading or acquisition of distressed debt,” and “those banks, financial institutions and other Persons separately identified by name . . . on or before the syndication . . . (which may be updated . . . from time to time . . .)”

In its agreement with the original lenders, Byju’s had put in a clause restricting its loan from being transferred to distressed debt investors. This is a risky clause to agree with, because it’s only these folks that buy loans that turn sour, but the original lenders had gone with it.

On information and belief, the entire course of Lenders’, and Defendant’s, bad-faith conduct has been driven by these distressed-debt lenders, who were never meant to have been lenders in the first place, and who acted with the intent of causing harm to Borrower and Plaintiffs. Meanwhile, Borrowers and Plaintiffs were initially unaware that the lenders were in fact being controlled by distressed debt dealers, and were therefore unable to take action to prevent their bad-faith plan from being implemented.

In its lawsuit this week, the crux of Byju’s’ argument is based on the fact that its loan is owned by distressed debt investors who were not eligible to be owning its debt in the first place. Also interesting is that Byju’s doesn’t seem to know who these lenders are. In its post-lawsuit statement, Byju’s named Redwood as one of the lenders, but it’s not named anywhere in the lawsuit.

Now what?

If push comes to shove, does Byju’s have the cash to pay off its lenders?
Last month, Byju’s transferred $500 million out of its US entity. The lenders had filed their lawsuit and there was a chance the court would freeze Byju’s’ US entity’s assets, so this was a precautionary move. So Byju’s has this $500 million. But that seems about it. Byju’s has been in the news saying that it’s trying to raise $700 million to pay off its debt. Yeah, between the horrible edtech market and the colourful lawsuits Byju’s is in, good luck with getting investors to donate their money to Byju’s.
But of course, Byju’s is now suing its lenders too. It does have an agreement that says that its debt can’t be held by distressed debt investors. So it’s not a frivolous suit.
Can Byju’s win? Sure. It would still have to pay its debt eventually. And it’s not straightforward. There are probably tens or even hundreds of lenders. It’s apparent that the distressed debt investors are the guiding force behind the lenders’ lawsuit, but it’s definitely not necessary that they form the majority of the lenders. In which case, Byju’s’ whole lawsuit falls apart.
The lenders are saying Byju’s defaulted by not keeping its part of the agreement, even though it had technically paid its dues. [4] Byju’s is saying that the lenders shouldn’t be the lenders in the first place and must be disqualified. We’ll see who’s right.
​
Footnotes
[1] It was a 5-year loan with a floating interest rate of 6% over Libor. Think of it as 6% over this magical interest-rate called Libor that some fancy-pants banks set amongst themselves everyday. Back in November 2021, Libor was at 0.25% and this was a 6.86% interest loan for Byju’s (the floor for Libor was 0.75%). Today, Libor is at about 5.64% and it’s an 11.6% loan.
[2] Multiple reasons for the investors to sell. One, interest rates went up and cash became more dear. If they had money stuck with Byju’s, it was money not being lent out to someone else. Second, edtech all around the world was in trouble. Kids were back in school and people didn’t think much of them anymore. Third, Byju’s as a company was showing its red flags.
[3] What a cool name!
[4] Until now, that is. Byju’s filed its lawsuit this week the same day it was supposed to make a $40 million interest payment.
​
Original Source: https://boringmoney.in/p/byjus-is-sued-by-its-lenders

Transportation is considered an essential component in the logistics sector because it assures the timely delivery of products from one place to another. Though there are several modes of transportation available, it is important to select the right one for your logistics requirements. This blog contains a discussion regarding distinct modes of transportation and when to use each, with an emphasis on CG Logistics' innovative logistics solutions.

Air transportation

In the logistics sector, air transportation is a significant mode of transportation, particularly for goods that must be transported rapidly and over long distances. CGL provides air transportation services through its collaboration with numerous aircraft charter companies and air charter companies in India.
In the context of air transportation, there are distinct types of aircraft that could be used, based on the size and weight of the cargo and the destination and urgency of delivery. For example, smaller cargo might be transported through light aircraft, while heavier and larger cargo might require the use of cargo planes and even commercial airlines.
CGL India has entered into partnerships with some of the best air charter companies that support it in delivering clients with a number of transportation services, including air freight, air cargo, and air charter services. Through these partnerships, CG Logistics is able to offer clients access to a large fleet of aircraft that could be used for numerous forms of cargo, from small packages to oversized and heavy cargo.
One of the primary benefits of air transportation is that it provides faster delivery times in comparison to other modes of transportation, like sea or road transport. For example, products that will take numerous weeks to transport by sea can be transported by air in a matter of hours or days, depending on the destination. This makes air transportation a preferred mode of transportation for urgent and time-sensitive cargo.
CGL also offers air transportation services for project cargo movement that include the transportation of complex and significant cargo for industrial projects. Such cargo may involve heavy equipment, machinery, and other oversized items. CGL India has the expertise to handle project cargo transportation through the air, ensuring that the cargo reaches its destination safely and efficiently.
Along with the air transportation services, CGL also provides customs clearance services for air cargo and air freight, ensuring that all relevant rules and regulations are complied with and the cargo is cleared for export or import.
Overall, the role of air transportation is vital in the logistics industry, and CGL offers a range of air transportation services through its partnerships with aircraft charter companies and air charter companies in India. With its capabilities in project cargo transportation and customs clearance services, CGL is capable of ensuring that customers’ cargo is safely and efficiently transported to its destination through air transportation.

Road transportation

Road transportation is a significant element of logistics and plays a major role in the timely delivery of products. It is normally the most simple and cost-effective mechanism for transportation for domestic shipments, particularly for short distances. CGL is one of the leading logistics service providers in India and provides a wide range of road transportation services to satisfy the different requirements of customers.
CG Logistics runs a large fleet of vehicles ranging from small vans to heavy-duty trucks. The vehicles are equipped with modern tracking systems, supporting real-time monitoring of the location and status of shipments. This assures that clients can track the movement of their goods at any time, giving them complete visibility and peace of mind.
One of the significant benefits of road transportation is its flexibility. Unlike other methods of transportation, road transportation permits the transportation of goods to almost any place, even those that are not accessible through other modes of transportation. This makes road transportation an ideal mode for the transportation of products to remote areas or places with poor connectivity.
Another benefit of road transportation is its speed. It is normally faster than other methods of transportation, particularly for short distances. This makes it an ideal selection for time-sensitive shipments that must be delivered rapidly.
CGL India provides a range of road transportation services, including full truckload and less-than-truckload transportation. FTL is appropriate for clients who need to transport a large number of goods, while LTL is appropriate for clients who need to transport smaller quantities of goods.
Along with traditional road transportation, CGL also provides other value-added services like warehousing, distribution, and customs clearance. This permits clients to benefit from end-to-end logistics solutions, saving them both cost and time.
Overall, road transportation is a significant element of logistics, and CGL is committed to offering reliable and efficient road transportation services to its clients. With a significant emphasis on innovation and technology, CGL is well-positioned to satisfy the evolving requirements of customers and the logistics sector as a whole.

Rail Transportation

It is a method of transportation that uses trains for the purpose of moving goods from one place to another. Rail transportation is considered an efficient and cost-effective method of moving large volumes of cargo over significant distances. In the logistics sector, rail transportation is a vital element of the supply chain, particularly for the movement of bulk goods.
CGL understands the significance of rail transportation and provides a comprehensive range of rail freight services to its clients. The rail transportation services of the company are designed to cater to the particular requirements of each customer, and they provide a cost-effective and efficient manner of moving goods across the nation. Moreover, CG Logistics is engaged in providing effective rail logistics solutions for customers in places lacking alternate modes of connectivity.
The following are the main benefits of rail transportation:

• Cost-effective: Rail transportation is usually cheaper than other mechanisms of transportation, particularly for long distances and large volumes of goods.
  
• Reliable: Rail transportation is recognized for its reliability and punctuality. Normally, trains have fixed schedules and routes that support the timely delivery of products.
  
• Environmentally friendly: Rail transportation is considered a more environmentally friendly method of transportation than road or air transportation. Trains generate fewer emissions per ton of cargo moved.
  
• Capacity: Rail transportation has a significant capacity to move a large volume of goods, making it an ideal choice for bulk products.
  

CGL’s rail transportation services include the following aspects:
Rail freight forwarding: CGL provides rail freight forwarding services to move goods around the nation.

• Door-to-door delivery: The rail transportation system of CGL involves the door-to-door delivery of products, making it simple for clients to move goods from one place to another.
  
• Containerized transportation: CGL is engaged in providing containerized transportation services that permit the safe and secure movement of products.
  
• Project cargo movement: The rail transportation services of CGL can be customized to suit the particular requirements of clients, involving the movement of heavy and oversized project cargo.
  

Overall, in the logistics sector, the role of rail transportation is vital, and CGL recognizes its significance by providing a range of rail transportation services to its clients. With its reliable, cost-effective, and environmentally friendly rail transportation solutions, CGL is capable of satisfying the requirements of clients across the country.

Integrated solutions for CGL India

CGL has over 20 years of experience carrying tailor-made end-to-end solutions for integrated freight logistics for all scales of organizations around industry verticals. Through analyzing the prerequisites, experts at the company work to optimize the best solutions that save time and money for safe deliveries around the world.
Moreover, CGL India provides a range of integrated solutions that support clients in selecting the correct mode of transportation for their logistics requirements. As one of the best logistics companies in India, CGL provides customized solutions that include project cargo management, international warehousing services, project cargo handling services, and cargo transportation.
One of the main characteristics of the integrated solution offered by CGL India is its ability to integrate with other systems. The platform could be integrated with a variety of business systems, like an ERP system and an order management system, to offer businesses an overall view of their operations.
CGL’s integrated solutions also provide a range of value-added services like packaging, customs clearance, labeling, and many more. This could support businesses in simplification of their logistics operations and decrease the administrative pressure connected with the management of logistics.
Overall, the integrated solution of CG Logistics provides a comprehensive range of logistics solutions that can support businesses in streamlining their supply chain activities, optimizing their logistics procedures, and decreasing costs. CGL’s integrated solutions can help businesses stay competitive in the current fast-paced business environment.
In a nutshell, selecting the right mode of transportation for your logistics requirements is crucial to ensure the timely delivery of products. By providing a comprehensive range of logistics solutions that involve air, sea, surface, and rail transportation, CGL assures that clients have access to the correct mode of transportation for their logistics requirements. With an emphasis on innovation and technology, CG Logistics offers integrated solutions that support the optimization of supply chain efficiency and help clients stay ahead of the competition. In order to know more, connect with us.

THE BEST WAY TO BECOME A SECURITY MAXIMALIST In the beginning, there was The GuardiaNNN.ai. It was an idea for a simple token listing - a list of projects. And it was the beginning of an idea for our team. At that time, we were still working full-time at an agency and only had time for occasional purchases of low-cap projects. It was then that we first encountered far more scams on the market than genuine efforts to build something. The more scams we encountered on our journey, the clearer it became that we had to do something about it.
So the idea for Smart Check with AI was born - a tool that would detect hidden threats and backdoors. As the bull market transformed and fraudulent practices increased, new features and ideas were packed into it to combat fake projects and to protect users from losing considerable money and trust in crypto.
With this concept, the core team quit their agency jobs and threw themselves 100% into developing the entire NNN ecosystem.
It is now growing into an emerging platform which combines a launchpad for creating new projects, an NFT marketplace free of malicious bots, a DEX hub for shopping on the famous DEXs, and a news centre that collects quality content from projects and crypto bloggers. It’s similar to Medium, but done in a decentralized way.
WE OFFER PROTECTION TO INVESTORS, BUT WE DON'T RESTRICT THEM GuardiaNNN.ai addresses how people make their investment decisions. It offers cold-blooded analysis without emotion. Facts in black and white. We have yet to determine how many people it has already saved. The check alone has been used over 3,000 times. Some users would say this tool has protected them from fraud and made research easier. And that's exactly what GuardiaNNN.ai is all about. It doesn't decide whether a project is a scam or a new gem. Instead, it provides the basis for a good, in-depth analysis of the technical aspects of projects.
Many people are just learning about the crypto world and need help understanding how to buy in. That’s why GuardiaNNN.ai will be followed later on by an academic library which will guide users through the world of cryptocurrencies. We are building a community of people around us - both experts and enthusiasts - who can and want to help newcomers.
MORE THAN 80% OF PROJECTS ARE NOT LEGIT OR TRANSPARENT The world of cryptocurrencies is a world of molten lava. Even the most significant and valuable projects can’t claim to be finished products. Every now and then, a new island surfaces and everyone jumps on it, hoping to make a quick buck. And many speculators exploit this. But it shouldn’t be said that a project has a bad intention coded into it from the get go. Sometimes it may just be an experiment that didn't work out. We can talk endlessly about the whys and hows of failures. Sometimes conspiracies arise, and shocking revelations surface. But no-one can see into the future. And that’s when GuardiaNNN.ai comes into play. It’s there, ready, willing and able to help and respond to what is happening in projects right now – in real-time.
Many people buy into the hype that comes with social trends. A typical example is meme tokens which the crazy crowd don’t do their research on. Things can then not turn out well. There are thousands of examples. Remember the Squidgame token? It was a showcase scam that succeeded precisely because the average user lacked the tools to help them analyze the project and keep their money out of it. Good risk management is essential for any type of investment - even the most seemingly stable ones. You can't rely on luck alone.
GuardiaNNN.ai IS THE SPINE OF THE NNN ECOSYSTEM GuardiaNNN.ai is a pilot project being developed at NNN. Its primary purpose is to eliminate scammers from the crypto world. Everyone can use it for free, but NNN token holders can also access advanced tools to make trading easier. And they also get more detailed analysis and special offers. This living ecosystem is growing and thriving thanks to the community's activity.
NNNNNFT MARKETPLACE IS ONE-OF-A-KIND The market is flooded with NFTs that have no value and no meaning. They are artificially maintained and often full of bots. Our concept is built on the idea of not giving bots a chance to join in and negatively influence projects.
We prioritize the community and our reward system, which we call Karma. 1.5% of all NFT sales on the marketplace flow into our Karma system, which in turn rewards people with incentives, so they’re more active in supporting and helping each other. This further develops the community and benefits the ecosystem so it can grow organically.
LET THERE BE DEX HUB and LAUNCHPAD! All good things come to those who wait, so DEX HUB will be added to the ecosystem. We want to develop GuardiaNNN.ai as a hub, which will let you choose the most suitable decentralized exchange based on your preferences or preferred exchange rates. And the list of exchanges will continue to grow.
We also plan to add Launchpad for new, ambitious projects which meet quality standards. But it all depends on how fast the community develops because we prefer to grow organically and sustainably.
The goal is to build a diverse and robust portfolio of comprehensive products and services on the blockchain. And so, the NNN Community can help the project - by setting up tailor-made contracts and taking care of auditing, promoting and moderating the project.
Another of the ecosystem’s unique elements is the news aggregator. This collects news from the crypto world and enables content creators and members of specific communities to present their aims and intentions and whatever it is that they’re passionate about. Every project can have a profile and create its own content. That means every community can create its own news hub in the ecosystem and spread its content to the world more efficiently than before.
WHAT MAKES US TICK We love exploring and evaluating how projects work. And we love exploring how others engage the community, how they evolve technically, and where their strengths and weaknesses are. The never-ending collection of data and information allows us to raise the bar higher. Our ambition is vast because we see in NNN a way to connect the very best of what works with the most useful things a person preoccupied with the crypto world needs for their comfort and safety.
For many years we have worked in teams that have helped others realize their dreams and visions. Two senior full-stack developers, Zdeno and Pato, are at the forefront of development. Lukáš works as our project and marketing manager. We have worked with corporates and agencies, and that’s why we know what the pitfalls of complex work on projects are. That’s also why we dare to create what no one else so far has done. And that’s why we love our work!
HOW DOES GuardiaNNN.ai AI WORK? This is top secret. Sometimes you shouldn’t blurt out things to the world because competition lurks everywhere. The bottom line is that it works. The main thing that makes us stand out from the competition is that GuardiaNNN.ai is dynamic. It can identify hidden threats with high accuracy.
This helps ordinary users and crypto fans avoid scams, and protect their assets from bad or emotionally-driven decisions. The universal adoption of cryptocurrencies into mainstream life will only happen when people have the tools to help them avoid scams. And it will all only be possible when there’s quality and reliable analysis, sufficient information, transparent communication, and a trusted community.
Only some crypto markets currently offer a comprehensive tool like GuardiaNNN.ai. At the moment, you still have to click through several pages of various checks. And the best quality tools are paid for yet still not sufficient. But we've found a way to give everyone a free security option.
Thanks to GuardiaNNN.ai, project creators can voluntarily arm their potential fans with a tool that strengthens their credibility. By having high traffic on the platform, they can more easily present themselves to new people. Through our innovation hub, they can gain reinforcements for their team and grow their community. And Launchpad will open the way for them to raise new capital for development. The listing has Trending Top Projects embedded in it, secured by an honest vote using a crypto wallet. Polls won't simply be bought. Instead, projects must earn their rightful place in them by being active, approachable, and engaging.

Im so angry and sad at the same dam time. there are six of my love ones in the grave yard all died 1969. Growing up I always wondered who and what my granny’s names were and why nobody ever speak of them. with the little info my mom did give me over the years, I decided to do my own research. Almost a year later no pictures, no school records ,they names were constantly change birthdays birth years social Security numbers switch ,anything that would connect them or us as a family was taking By a family of scammers.... I’m so discussed at the fact that they rob my mother of her existence ,inheritance and any chance of a happy life. My Mom’s name was Patricia A Burden, her mom name was Peggy Burden and her mothers name was Gladys Higgins Wilkie . I can go deeper but ill save it for now, I’m broken and hurt even more now ,

Hello everyone,
I've known her online for 1.4 years while working in a remote company. Our conversations deepened around 1.5-2 months ago, and we've been in a long-distance relationship for a month now.
I really like her, and she feels the same way about me. It's my first experience with love, so I often find myself lost in thoughts about her. This has made my parents suspicious. One day, while on a video call with her, my mom caught me from a window. I had no choice but to confess the truth, and she informed my dad. They scolded me for about 4-5 hours, expressing disappointment and labeling my behavior as wrong and characterless. They made me promise that I would only talk to her for work-related matters. They also insisted that if I stopped talking to her and ignored her, my feelings would eventually fade away, and I would return to normal.
The next day, I texted her to break up, but I was devastated. I couldn't forget about her, and I found myself crying multiple times in the bathroom. The thought of leaving her was unbearable, and I felt suffocated. Later that same day, in the evening, I texted her again, retracting what I had said in the morning. I assured her that I wouldn't leave her and that I see her as my future partner. She was upset about the breakup conversation and had hoped I would ask her to wait instead.
It's been 10 days since I was caught, and my perspective on my parents has completely changed. They now complain every day that I'm not spending enough time with them and that I don't laugh at their jokes. I'm trying to push myself to secure a better job in a non-remote company. My goal is not only to be financially independent but also to make my parents financially dependent on me. This way, I hope to have a stronger position in the future when I go against their values regarding love marriage. Their biggest concern, as they expressed during the scolding, is that love marriages are like fairy tales—they appear good from a distance but often fail due to the lack of social pressures present in arranged marriages. The negative portrayal of relationships in the media has further contributed to their negative perception of love marriages.
I'm at a loss for what to do. I feel stressed and haven't had time to watch movies, web series, or YouTube videos like I used to when I wasn't in a relationship. My days consist of work, study, gym, talking to her on the phone, and sleeping. It feels like a never-ending cycle.
I decided to patch things up with her because I remember my dad saying, "Become worthy, and we will arrange your marriage with whomever you choose." This gave me hope that if I become more successful in my career in the next 2-3 years, I'll have a better chance of convincing them about us if things go well between me and her. I truly love her and I'm willing to give my 100% to make her mine.
I watched some YouTube videos, and most of them suggested becoming financially independent as the first step to have a stronger stance against conservative parents. However, I also came across a few examples where even that didn't work. This has left me feeling hopeless, thinking that all the effort I'm putting into this relationship might go in vain.
TL;DR:
I met a girl online(coworker in a same WFH startup), started a long-distance relationship, and fell in love. My parents found out, scolded me, and made me promise to only talk to her for work related stuff. I tried to break up but couldn't forget her, so we got back together. Now my parents complain that I don't spend enough time with them. I'm working hard to become financially independent and hope it will strengthen my position to convince them about our relationship. I feel stressed and uncertain about the future.
To all the folks who have overcame this phase can you give me some advice as what to do, last 2-3 weeks were stressful for me. I can't concentrate on anything fully and I have started enjoying sad songs:(

⟳ f-droid.org from Wed, 07 Jun 2023 05:49:00 GMT updated on Fri, 09 Jun 2023 07:06:51 GMT contains 4107 apps.

Added (1)

• idTech4A++: DOOM III/Quake 4/Prey(2006) game runtime library and launcher for Android

Updated (30)

• Aves Libre (version 1.8.9): Gallery and metadata explorer
• ykDroid (version 1.3): YubiKey challenge-response USB and NFC driver
• Mull (version 113.2.0): Privacy oriented web browser
• Shattered Pixel Dungeon (version 2.1.0): A roguelike game based on Pixel Dungeon
• LinkHub (version 1.5.1): Simple and effective link management app that can help you to mange links easily
• Gurgle (version 1.22): Word game
• Evil Insult Generator (version 4.0): This is the greatest insults app you can get!
• Organic Maps Offline Hike, Bike, GPS Navigation (version 2023.06.04-13-FDroid): Open-source, community-driven maps for travelers, tourists, cyclists & hikers
• AAAAXY (version 1.4.6+20230605.3025.6a5dd378): A nonlinear 2D puzzle platformer taking place in impossible spaces.
• OUI Lookup and Database (version 1.6.0): Find a device's manufacturer by its MAC address and browse OUIs assignments
• Simlar - secure calls (version 2.9.4 (alwaysOnline)): Protect your privacy with encrypted phone calls.
• EteSync - Secure Data Sync (version 2.4.0): Secure, private and end-to-end encrypted calendar, contacts and tasks sync
• neutriNote CE (version 4.4.1): A hub of written thoughts in fast searchable plain text
• Tusky (version 21.0): A multi account client for the social network Mastodon
• QRAlarm (version 1.4.1): Disable alarms with a QR scanner
• You Have Mail (version 0.8.0): Email Notification without Google Play Services
• NextPush (version 1.7.0): UnifiedPush provider with Nextcloud
• Street­Complete (version 53.1): OpenStreetMap surveyor app
• ImapNotes3 (version v1.3-01): View, edit and synchronize HTML notes and check lists on your IMAP mailboxes
• ente - encrypted photo storage (version 0.7.62): ente is an end-to-end encrypted photo storage app
• Smart AutoClicker (version 2.1.3): Automating clicks based on what is displayed
• Dagger: Dota 2 Stats (version 1.3.1): Stay up-to-date with the latest Dota 2 matches, watch streams, and more.
• ClashMetaForAndroid (version 2.8.5.Meta-Alpha): A rule-based tunnel
• Saber (version 0.12.10): Handwritten notes
• HalfDot for Umami (version 2.0.2): HalfDot is a minimalistic client for Umami Analytics
• Critical Maps (version 2.8.0): Critical mass location sharing and chat
• KDE Connect (version 1.25.0): KDE Connect integrates your smartphone and computer
• VoIP.ms SMS (version 0.6.24): Send and read SMS via voip.ms
• Hacki for Hacker News (version 1.7.1): Hacki is a simple noiseless Hacker News client that is just enough.
• BlackHole (version 1.15.8): An Open-Source Music Player App for all your needs!

^{2023-06-09T07:23:43Z}

Human capital management software is a type of software that helps organizations manage their most valuable asset: their people. Human capital management software enables organizations to plan, recruit, develop, retain, and optimize their workforce, as well as to align their human capital with their strategic goals and objectives. Human capital management software typically covers various aspects of human resource management, such as:

• Talent acquisition: This includes sourcing, screening, hiring, and onboarding of new employees, as well as managing the candidate pipeline and the employer brand.
• Talent management: This includes performance management, learning and development, career planning, succession planning, and compensation management of existing employees, as well as identifying and nurturing high-potential talent.
• Talent administration: This includes payroll, benefits, time and attendance, leave management, compliance, and reporting of employee data and activities, as well as ensuring the accuracy and security of employee records.
• Talent analytics: This includes collecting, analyzing, and visualizing data related to the workforce, such as employee engagement, productivity, retention, turnover, diversity, etc., as well as providing insights and recommendations for improving human capital outcomes.

Human capital management software can help organizations improve their efficiency, effectiveness, and competitiveness in the global market by streamlining and automating their human resource processes, enhancing their employee experience and satisfaction, and leveraging their human capital data for strategic decision making. Human capital management software can also help organizations adapt to the changing needs and expectations of the modern workforce, such as remote work, flexible work arrangements, continuous learning, feedback culture, etc. Human capital management software can be deployed on-premise or on the cloud, depending on the organization’s preferences and requirements.

Me-
I need help finding a solution to a certain problem that happens almost every year in certain parts of India. From what i can gather, there seems to be a recurring issue with borewells that are left unsupervised and small children regularly fall into these borewells which can go as deep as 300ft. I need help finding ways to prevent this from happening in future as well as efficient and quick methods to rescue small children that fall into them.
ChatGPT -
The issue you mentioned regarding children falling into unsupervised borewells is indeed a serious concern. It has occurred in the past, and there have been several incidents in India where children have fallen into such borewells. Here are some suggestions to address this problem and prevent future incidents:
Preventive Measures:

1. Adequate Fencing: Erect a strong and secure fence around the borewell sites to prevent unauthorized access, especially by children. The fence should be difficult for children to climb or breach.
2. Secure Covers: Install sturdy and lockable covers on the borewells to prevent accidental falls. These covers should be childproof and not easily removable.
3. Signage and Awareness: Display clear and prominent signs near borewells, warning about the dangers and instructing people to keep children away. Conduct awareness campaigns in the local communities to educate people about the risks associated with unsupervised borewells.
4. Regular Inspections: Establish a system for regular inspections of borewell sites to ensure that covers and fences are in good condition and properly maintained.
5. Local Regulations: Encourage local authorities to develop and enforce regulations regarding the construction and maintenance of borewells, including safety measures.

Rescue Measures:

1. Emergency Helpline: Establish a dedicated emergency helpline number that people can call immediately in case of a borewell-related incident. This helpline should be accessible 24/7 and well-publicized in the local communities.
2. Rapid Response Teams: Form specialized rescue teams equipped with necessary tools and expertise to respond quickly to such incidents. These teams should be trained in rescue techniques specific to borewell incidents.
3. Communication and Coordination: Improve communication and coordination between relevant authorities, including local administration, police, fire services, and medical services, to ensure a swift and efficient response during rescue operations.
4. Equipment and Technology: Provide the rescue teams with appropriate equipment such as cameras, ropes, harnesses, and communication devices to aid in the rescue efforts. Explore advanced technologies like remote-controlled robots or drones to assess the situation and assist in the rescue process.
5. Expertise and Training: Conduct regular training sessions for the rescue teams to enhance their skills and knowledge in dealing with borewell incidents. Collaborate with experts in rescue operations to share best practices and learn from their experiences.

It's essential to involve the local community, authorities, and organizations in implementing these preventive and rescue measures effectively. Public awareness, education, and collaboration among stakeholders play a crucial role in mitigating this recurring problem and ensuring the safety of children in the vicinity of borewells.
Me-
Rescue measures are good but can you suggest a faster method since most children seem to die of suffocation long before any real progress can be made to get them out.
ChatGPT-
I understand the urgency and need for faster rescue methods in these situations. While every rescue operation is unique and challenging, here are a few additional suggestions to expedite the process:

1. Air Supply: Establish a method to provide a continuous supply of fresh air to the child trapped in the borewell. This can be achieved by lowering a tube or pipe with ventilation to the child, ensuring a constant flow of oxygen.
2. Use of Cameras: Employ advanced camera systems, such as waterproof and heat-resistant remote-controlled cameras, to assess the situation inside the borewell. This can help rescuers gather critical information about the child's condition, location, and any potential obstructions.
3. Vertical Drilling: Consider using specialized drilling equipment capable of creating a parallel shaft or tunnel adjacent to the borewell. This technique allows rescuers to reach the trapped child more quickly and safely.
4. Suction or Vacuum Devices: Explore the use of suction or vacuum devices that can remove loose soil or obstructions from the borewell, creating a clear passage for the child to be safely extracted.
5. Collaboration with Experts: Seek assistance from experts who have experience in specialized rescue operations, such as cave rescue or confined space rescue. Their expertise and knowledge can contribute to finding innovative and efficient solutions for the specific challenges posed by borewell incidents.
6. Preemptive Measures: Encourage the use of technology to prevent suffocation by monitoring the oxygen levels inside the borewell. Oxygen level sensors can be installed, which trigger an alarm if the levels drop below a certain threshold, alerting rescuers to take immediate action.

It is important to note that these methods may require significant resources, equipment, and expertise. Therefore, it is crucial to establish a collaborative network involving local authorities, rescue teams, and experts to ensure the availability and accessibility of such measures during critical rescue operations.
Remember, the primary focus should be on prevention by implementing stringent safety measures and continuously raising awareness about the dangers of unsupervised borewells.

RPM Billing Services
RPM Billing Services is a leading provider of comprehensive and efficient billing solutions for healthcare professionals. Our primary objective is to streamline the billing process, optimize revenue generation, and ensure accurate and timely reimbursement for our clients. With our extensive expertise and advanced technological capabilities, we enable healthcare organizations to concentrate on delivering exceptional patient care while we handle their billing requirements.
Our Range of Services:
Medical Coding:
Our team of certified coders meticulously assigns accurate codes to medical procedures, diagnoses, and services in adherence to industry standards. Precise coding plays a critical role in maximizing revenue and minimizing claim denials.
Claims Submission:
We take charge of the complete claims submission process, from verifying patient insurance coverage to submitting claims electronically or in paper format when necessary. Our professionals diligently review claims for any errors or missing information to minimize the chances of claim rejections.
Claims Follow-up:
Proactive claim follow-up is a crucial aspect of our services. Our dedicated team communicates directly with insurance companies, resolving any claim issues, and resubmitting claims if required. Our aim is to minimize the reimbursement turnaround time.
Payment Posting:
Accurate payment posting is essential to ensure proper revenue recognition. Our team efficiently posts payments received from insurance companies and patients into your practice management system. We conduct detailed reconciliation of payments against billed amounts and promptly identify any discrepancies.
Denial Management:
Our systematic approach to denial management involves identifying the root causes of claim denials, appealing unjustified denials, and implementing corrective measures to minimize future occurrences. By improving the first-pass claim acceptance rates, we help optimize revenue for your practice.
Patient Billing and Collections:
We handle all aspects of patient billing, including statement generation and distribution. Our team is well-equipped to handle patient inquiries and resolve billing disputes promptly. Our focus is on enhancing patient satisfaction while ensuring effective collections for your practice.
Reporting and Analytics:
We provide comprehensive reports and analytics that offer valuable insights into your practice's financial performance. Our reports encompass key performance indicators, reimbursement trends, and actionable suggestions for improvement. Our data-driven approach empowers you to make informed decisions to enhance your practice's financial success.
Why Choose RPM Billing Services?
Expertise:
Our team consists of experienced billing professionals who possess in-depth knowledge of the latest industry regulations and coding guidelines. We bring a wealth of expertise to the table, ensuring optimal revenue generation for your practice.
Technology:
We leverage state-of-the-art billing software and advanced technologies to streamline the billing process, automate tasks, and minimize errors. Our secure systems guarantee data confidentiality and compliance with industry standards.
Customization:
We understand that every healthcare organization has unique billing requirements. Therefore, we tailor our services to align with your specific needs and workflow, facilitating seamless integration with your practice.
Transparency:
We maintain transparent communication with our clients and provide regular updates on the billing process, payments, and financial performance. Through our secure client portal, you can access real-time billing data and stay informed at all times.
Cost-effectiveness:
Outsourcing your billing needs to RPM Billing Services can result in significant cost savings for your practice. By reducing administrative burdens and optimizing revenue cycles, we contribute to the overall financial success of your organization.