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☆ Stocks making the biggest moves premarket: Robinhoood, Bath & Body Works, MicroStrategy, Macy's and more
▼ + stars: | 2024-11-25 | by ( Brian Evans | ) www.cnbc.com time to read: +2 min

Bath & Body Works — Shares popped 16% after third-quarter earnings edged out Wall Street forecasts. Robinhood — Shares of the brokerage firm rose more than 7% after Morgan Stanley upgraded the stock to overweight from equal weight. Macy's — Shares of the retailer fell 3% after Macy's said it was delaying its official third-quarter results due to discovering that an employee had intentionally made incorrect accounting entries to hide delivery expenses. Abercrombie & Fitch — Shares rose 3% ahead of its third-quarter earnings expected Tuesday before the bell. Arm Holdings — Shares rose more than 1% after UBS initiated coverage of the chipmaker with a buy rating, citing upside from artificial intelligence demand.

Persons: LSEG, Morgan Stanley, Macy's, Oppenheimer, Bernstein, Sally Beauty, Cowen, Oliver Chen, —, Jesse Pound, Alex Harring, Michelle Fox, Samantha Subin, Pia Singh Organizations: Abercrombie, Fitch, FactSet, —, Sally Beauty Holdings, Santander —, UBS Locations: Hollister

☆ Thanksgiving weather: A winter storm is coming with a side of the coldest air in months
▼ + stars: | 2024-11-25 | by ( Mary Gilbert | ) edition.cnn.com time to read: +5 min

The storm will roll through parts of the Midwest and South Wednesday night and spread across the East on Thanksgiving Day. Scenario one: A stronger, faster stormThe first scenario would have a storm develop in the Plains Wednesday and strengthen as it heads east. CNN WeatherBut how close to the coast the storm lingers once it reaches the Atlantic Friday will affect post-holiday travel. Wet weather would be minimal for these areas if the storm tracks farther away from the coast Friday. The push of frigid air later this week will also flip the switch on the Great Lakes’ lake-effect snow machine.

Persons: Nature, Philadelphia hasn’t Organizations: CNN, Midwest, Black, New England Coast, East, Philadelphia, New Locations: United States, Midwest, Carolinas, New England, Maine, Mississippi, Tennessee, Boston, Chicago, North Dakota, Gulf, New York City

☆ Surprise far-right candidate leads in Romania's presidential vote: Partial results
▼ + stars: | 2024-11-25 | by ( ) www.cnbc.com time to read: +2 min

People pass by electoral posters with candidates for the presidential and parliamentary elections in Bucharest on November 22, 2024. Far-right, pro-Russia independent candidate Calin Georgescu won 22.94% of the vote in Romania's presidential election on Sunday, securing an unexpected lead in the first round but falling short of the 50% needed for an outright victory, partial official results indicated on Monday morning. Another far-right candidate, populist nationalist Alliance for Uniting Romanians (AUR) leader George Simion, placed fourth after winning 13.87% of the votes. She was the only leading candidate in the first round in favour of civil unions for same-sex couples, but she opposes same-sex marriage. Voter turnout in the first round of the presidential election was 52.55%.

Persons: Calin Georgescu, Elena Lasconi, Georgescu, Marcel Ciolacu, George Simion, Nicolae Ciuca, Mircea Geoana, Georgescu's Organizations: NATO, Save Romania, Social Democrat Party, PSD, Alliance, Uniting, National Liberal Party, PNL, EU Locations: Bucharest, Russia, AEP, Ukraine, Campulung

☆ Vaping immediately affects vascular health and oxygen levels, study shows, even without nicotine
▼ + stars: | 2024-11-25 | by ( Jen Christensen | ) edition.cnn.com time to read: +6 min

CNN —Vaping has an immediate effect on how well the user’s blood vessels work, even if the e-cigarette doesn’t contain nicotine, according to new research. But scientists say these results may mean that vaping regularly could lead to vascular disease down the road. “Even if there was no nicotine in the e-cigarette, there could be other components that may be harmful,” Nabbout said. Compared with the nonsmokers and cigarette smokers, the people who used vapes with nicotine had the most significant reduction in vascular function. If vaping is significantly affecting someone’s vascular health, e-cigarette users could then see increased heart attacks, strokes or blood flow issues, Rizzo said.

Persons: CNN — Vaping, Chicago –, ”, Marianne Nabbout, ” Nabbout, Nabbout, Albert Rizzo, Rizzo, Dr, Sanjay Gupta, “, ” Rizzo Organizations: CNN, Radiological Society of North, University of Arkansas, Medical Sciences, University of Pennsylvania, US Food and Drug Administration, FDA, American Lung Association, CNN Health, Research, Lung Association Locations: Radiological Society of North America, Chicago, Little Rock, United States

☆ Does basic income work? We spoke to 8 families who got it.
▼ + stars: | 2024-11-25 | by ( ) www.businessinsider.com time to read: +2 min

The money, known as a Guaranteed Basic Income, is generally awarded for a year or two in monthly payments of $500 to $1,000. To see how the programs are working, we interviewed dozens of participants from a wide range of backgrounds and circumstances. What we found is that a guaranteed income — even a small one — can have a profound impact on people’s lives. To be sure, the guaranteed income isn’t enough to guarantee a better life. “The income makes the pain a little bit more tolerable, but it doesn’t take it completely away.

Persons: Jessica Nairns, ”, “, didn’t, Raven Smith Locations: Austin, Portland

☆ Huawei's self-sufficient era shows just how splintered the US and China are in tech
▼ + stars: | 2024-11-25 | by ( Hasan Chowdhury | ) www.businessinsider.com time to read: +4 min

AdvertisementHuawei is set to launch its new line of Mate 70 phones on Tuesday. It marks a new era of self-sufficiency at a moment of tech division between the US and China. On Tuesday, the Shenzhen-based tech giant is set to unveil a slate of new smartphones — the Mate 70 series — that will be the most free they have ever been of Western software and hardware. The Huawei Mate 60. Depending on the success of the Mate 70 phones, that gap could widen in the months ahead.

Persons: Donald Trump, Joe Biden's, Trump, —, Wang Gang, Beijing's mandarins, Tim Cook, Steve Jobs Organizations: Huawei, Wall Street, Kirin, Bloomberg, Apple Locations: China, Shenzhen, Washington

☆ The Philippines' vice president has publicly threatened to assassinate her boss and his wife
▼ + stars: | 2024-11-25 | by ( Matthew Loh | ) www.businessinsider.com time to read: +6 min

Vice President Sara Duterte said on Saturday that she'd spoken to a hitman to kill her boss and his wife. Philippine Vice President Sara Duterte openly threatened on Saturday to assassinate the country's president, marking the deepest fracture yet in an alliance they once formed for the 2022 election. AdvertisementEduardo Año, national security advisor to the president, added that authorities considered Duterte's threat a "matter of national security." But she also blasted the national security council, saying that its responsibilities related to the safety of the country, not a vice president's remarks about a president. AdvertisementA partnership doomed from the startIn the Philippines, the vice president and president are elected separately and don't necessarily hail from the same party or ideology, though Duterte and Marcos positioned themselves as running mates.

Persons: Sara Duterte, Duterte, I've, Ferdinand, Bong Bong, Marcos, you'll, BBM, Liza Araneta, Martin Romualdez, Eduardo Año, Duterte's, Rodrigo Duterte, Ferdinand Marcos Sr, Ronald Holmes, gunning, —, Jorge Tigno, that's, Holmes, Tigno Organizations: of Representatives, voters, De La Salle University, of Education, Lawmakers, University of, Duterte, Senate, Business Locations: Philippines, Manila, China, Southeast

☆ The 7 most in-demand work-from-anywhere jobs companies are hiring for—some pay over $100,000
▼ + stars: | 2024-11-25 | by ( Morgan Smith | ) www.cnbc.com time to read: +2 min

FlexJobs has identified the most in-demand work-from-anywhere jobs companies are hiring for by analyzing its database to find the highest volume of postings between June and November 2024. Such jobs are competitive: They account for only about 5% of all remote roles, FlexJobs reports. Some of the top companies hiring for work-from-anywhere jobs in the past six months on the platform include Duolingo, Invisible Technologies and the Wikimedia Foundation. Marketing, writing, project management and tech continue to be the fields with the most work-from-anywhere jobs. "For work-from-anywhere roles, employers are increasingly interested in workers who demonstrate advanced abilities, such as higher-level communication skills like negotiation, resourcefulness and problem-solving," Frana says.

Persons: FlexJobs, Toni Frana, Frana Organizations: Employers, CNBC, Technologies, Wikimedia Foundation, Marketing, Communications

☆ Saquon Barkley’s career night propels Eagles past Rams: Key takeaways
▼ + stars: | 2024-11-25 | by ( The Athletic Nfl Staff | ) www.nytimes.com time to read: +7 min

SAQUON BARKLEY IS UNREAL 💥 This run gives him 255 rushing yards, surpassing his previous single-game rushing high of 189 yards. Barkley’s 70-yard touchdown run on the first play of the second half gave the Eagles a two-score lead the Rams never overcame. His 72-yard touchdown run set the final score. @saquon | #FlyEaglesFly pic.twitter.com/0h0Whzyn49 — Philadelphia Eagles (@Eagles) November 25, 2024Too many mistakes, too much BarkleyIt’s tough for a team to climb out of a hole of its own making, and the Rams dug themselves deep on Sunday night. pic.twitter.com/aJHYbotT2J — Philadelphia Eagles (@Eagles) November 25, 2024Philadelphia’s success is overpowering mistakesSirianni is managing one of the hottest teams in the NFL.

Persons: Jourdan Rodrigue, Brooks Kubena, Zach Powell, Saquon Barkley, Barkley, SAQUON BARKLEY Organizations: Zach Powell Philadelphia Eagles, Los Angeles Rams, Rams, Sunday, Los Angeles, Eagles, OU Locations: Philadelphia, Los, 8 y

☆ Moving internationally taught me how to declutter. Now, my husband and I live a minimalist lifestyle.
▼ + stars: | 2024-11-25 | by ( Maria Polansky | ) www.businessinsider.com time to read: +4 min

Now, my husband and I live a minimalist lifestyle. Over the past five years, as I moved from Canada to the UK and back again, I've absolutely mastered the art of decluttering. AdvertisementRemembering how long it took me to declutter and pack before moving the first time around, I began the process five months before our official move. Maria Polansky and her husband now live a minimalist lifestyle. Since we've been back in Canada, we've adopted a minimalist lifestyle and have been very selective with what enters our home.

Persons: I've, Monica Geller's, pare, We'd, Maria Polansky, I'm, we've, we're Organizations: Facebook, We're Locations: Canada, Birmingham, Vancouver

☆ Want to buy the dip in renewables? Morgan Stanley names 2 top picks with 60% upside
▼ + stars: | 2024-11-25 | by ( Amala Balakrishner | In Amala-Balakrishner | ) www.cnbc.com time to read: +2 min

The sustainability theme faces an uncertain future under President-elect Donald Trump, but Morgan Stanley has named a number stocks with major upside. Here are two of Morgan Stanley's top stocks with over 60% upside potential: EDP Renovaveis The investment bank is bullish on EDP Renovaveis and has a target price of 18 euros ($18.68), giving it nearly 66% upside potential. RWE Also on Morgan Stanley's list is German electric utility company RWE , which it describes as a "global leader in renewables." The bank's analyst Rob Pulleyn sees RWE as "oversold on a combination of falling power prices earlier in 2024 and fears around renewables value creation." Morgan Stanley has a target price of 50 euros ($169.50) on the Frankfurt-listed stock, giving it almost 60% potential upside.

Persons: Donald Trump, Morgan Stanley, Morgan, Arthur Sitbon, Sitbon, Rob Pulleyn, — CNBC's Michael Bloom Organizations: Big Tech, Frankfurt Stock Exchange Locations: U.S, Europe, Lisbon, Portugal, Frankfurt

☆ CLSA strategist says he expects Bank of Japan to hike rates in December and twice more in 2025
▼ + stars: | 2024-11-25 | by ( ) www.cnbc.com time to read: 1 min

Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailCLSA strategist says he expects Bank of Japan to hike rates in December and twice more in 2025Nicholas Smith, Japan strategist at CLSA, says Bank of Japan rate hikes would benefit households, corporates and the finance sector.

Persons: Nicholas Smith Organizations: Bank of Japan, Bank, Japan Locations: Japan

CNN —At least five people have died as Storm Bert swept across the United Kingdom, causing power outages and widespread train and flight cancelations. Further north, a 34-year-old man died in a single-vehicle collision in the early hours of Saturday, West Yorkshire Police said. There have been 53 heavy rainfall reports across the UK, according to the European Severe Weather Database. More than 60 flood warnings and alerts were reported in Wales alone for the past day, according to Natural Resources Wales. The cold front associated with Storm Bert will impact parts of western Europe, where orange warnings for high winds are in place for parts of Germany and France.

Persons: Storm Bert, Matthew Horwood, Keir Starmer Organizations: CNN, West Yorkshire Police, Getty, Media, North Wales Police, Lancashire, PA Media, UK Meteorological Office, Met, London Heathrow Airport, Western Railway, Northern Rail, Southern Electricity Networks, Natural Resources, ” Locations: United Kingdom, Wales, Britain, Winchester, Northamptonshire, Pontypridd , Wales, floodwater, England, Northern Ireland, Scotland, London, Sion, Swansea, Exeter, Okehampton, Barnstaple, Lancaster, York, Sheffield, Natural Resources Wales, Europe, Germany, France

☆ Fiserv stock is red hot. Why one fund manager thinks it can be a long-term winner
▼ + stars: | 2024-11-25 | by ( Jesse Pound | In Jesse-Pound | ) www.cnbc.com time to read: +3 min

The stock market rally for payments stock Fiserv is showing no signs of slowing down, and the company is winning over some new investors. "You roll all that together and you could wind up with like an 18%-20% type of earnings per share growth company," Burton said. Burton is the manager of NYLI Winslow Large Cap Growth Fund (MLAAX) , which has a four-star rating from Morningstar. He also manages two ETFs with similar strategies — the NYLI Winslow Focused Large Cap Growth ETF (IWFG) and NYLI Winslow Large Cap Growth ETF (IWLG) . Fiserv went public in 1986 and today has a market cap of $128 billion and 42,000 employees.

Persons: Patrick Burton, Burton, NYLI Winslow, Clover, Fiserv, Frank Bisignano, LSEG, Sanders, Alliance Bernstein, Lewis Sanders —, Dominic Ball, Ball, Michael Bloom Organizations: Winslow Capital Management, Growth, Morningstar, CNBC, Windsor Capital, Sanders Capital, Alliance Locations: Milwaukee, Fiserv, Atlantic

☆ The UN climate summit ended in bitterness and accusations of betrayal. Now fears are growing for its future
▼ + stars: | 2024-11-25 | by ( Laura Paddison | ) edition.cnn.com time to read: +6 min

“The dismal outcomes of COP29 … have raised serious concerns about the integrity of the global climate negotiation process,” said Harjeet Singh, of the Fossil Fuel Treaty Initiative. Fossil fuel interests unleashedCOP climate summits are always painstaking and fraught. More than 1,700 fossil fuel industry players and lobbyists registered to attend the summit, heavily outnumbering most country delegations. Climate groups compared the final deal to a band-aid on a bullet wound, and developing countries reacted with fury. Billed as the most important climate summit since Paris, it’s here countries will set out their climate plans for the next 10 years.

Persons: Ilham Aliyev, Rich, ”, Harjeet Singh, Payam Akhavan, COP29, Mukhtar Babayev, Maxim Shemetov, Donald Trump, “, Margaretha Wewerinke, Singh, Akhavan, populists, Friederike Otto, ” CNN’s Ella Nilsen Organizations: CNN, United Nations, Union, COP29 United, Change, Imperial College London, Putin, Co Locations: Baku, Azerbaijan, COP29, US, Paris, Small, States, Russia, Argentina, petrostates, Saudi Arabia, Vanuatu, COP30, Brazil, it’s, petro

☆ Pipeline operator ONEOK to buy remaining shares of EnLink in $4.3 bln deal
▼ + stars: | 2024-11-25 | by ( ) www.cnbc.com time to read: +1 min

The Oneok website on a laptop computer arranged in Brooklyn, New York, on Tuesday, May 16, 2023. Pipeline operator ONEOK said on Sunday it would buy the remaining shares of peer EnLink Midstream , for $4.3 billion in an all-stock deal, boosting its presence in the Permian Basin amid increased consolidation in the U.S. energy sector. In August, ONEOK acquired a 43% controlling interest in Enlink, which has a solid presence in the Permian basin, from Global Infrastructure Partners for about $3.3 billion in cash. ONEOK said it will offer 0.1412 shares of its common stock for each EnLink unit. Earlier in the month, another pipeline operator DT Midstream agreed to acquire three natural gas transmission pipelines from ONEOK for $1.2 billion in cash, to boost its presence in the Midwest market.

Persons: ONEOK, EnLink Organizations: Global Infrastructure Partners Locations: Brooklyn , New York, U.S, Enlink, ONEOK, Midwest

☆ UBS says this AI play is a buy with nearly 20% upside ahead
▼ + stars: | 2024-11-25 | by ( Sean Conlon | ) www.cnbc.com time to read: +2 min

In addition to growth in the smartphone market, Arcuri sees the AI megatrend spurring expansion in PCs and data centers for Arm. Arm's data center share should expand even faster, Arcuri said. Specifically, he forecasts that the company's market share in that space will more than triple from less than 5% in 2023 to the mid-teens in 2028. "Arm's three decade track record of R & D productivity shows that the R & D investments it is making today will underlie the next decade's stream of high-margin revenue," Arcuri said. ARM YTD mountain ARM, year-to-date The stock moved about 2% higher in the premarket following the move.

Persons: Timothy Arcuri, Arcuri Organizations: UBS, ARM

☆ Here's what to expect from the Department of Government Efficiency, or DOGE
▼ + stars: | 2024-11-25 | by ( ) www.cnbc.com time to read: 1 min

Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailHere's what to expect from the Department of Government Efficiency, or DOGEJason Furman, former Council of Economic Advisers chairman under Obama, and Doug Holtz Eakin, former Congressional Budget Office director, join 'Squawk Box' to discuss what government efficiencies can get done through executive actions, if DOGE can reach its goals, and much more.

Persons: Jason Furman, Obama, Doug Holtz Eakin Organizations: Department of Government, of Economic, Budget

☆ At least 1 person is dead after a DHL cargo plane crashed into a house
▼ + stars: | 2024-11-25 | by ( Aditi Bharade | Joshua Nelken-Zitser | ) www.businessinsider.com time to read: +3 min

AdvertisementA DHL cargo plane crashed into a house near Lithuania's Vilnius airport. A DHL cargo plane crashed into a house near Lithuania's Vilnius airport, killing at least one person and injuring three others. The plane, a Boeing 737 aircraft en route from Germany, crashed outside Vilnius International Airport at around 5:30 a.m. local time, the airport said on Facebook. All 12 residents of the house that was crashed into are safe and have been evacuated, Reuters reported, citing information from a police press conference. "Residential infrastructure around the house was on fire, and the house was slightly damaged, but we managed to evacuate people," he added.

Persons: Valdas Benkunskas, Benkunskas, Benkuskas, Arūnas Paulauskas, Paulauskas Organizations: DHL, Boeing, Facebook, Swift Air, LEJ Airport, VNO, Associated Press, Reuters, AP, CNN Locations: Lithuania's Vilnius, Leipzig, Germany, Vilnius, Nepal, Lithuania, VNO

☆ Why it could be time to play AI through software instead of hardware
▼ + stars: | 2024-11-25 | by ( ) www.cnbc.com time to read: 1 min

Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailWhy it could be time to play AI through software instead of hardwareEric Hippeau, Lerer Hippeau managing partner, joins CNBC's 'Money Movers' to discuss playing AI through software, the impact of Trump's election win on the private market, and more.

Persons: Eric Hippeau, Lerer

☆ "ETF's are here to stay" says Todd Rosenbluth of TMX VETTAFI
▼ + stars: | 2024-11-25 | by ( ) www.cnbc.com time to read: 1 min

Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via Email"ETF's are here to stay" says Todd Rosenbluth of TMX VETTAFITodd Rosenbluth, Head of Research TMX VETTAFI, joins CNBC's "Halftime Report" to discuss the record year for the ETF industry.

Persons: Todd Rosenbluth, TMX VETTAFI Todd Rosenbluth Organizations: Research

☆ The new features bringing new passengers to cruise ships
▼ + stars: | 2024-11-25 | by ( Natasha Chen | ) edition.cnn.com time to read: +7 min

In 2029, the Oriental Land Company, which owns Tokyo Disney Resort, will launch a Disney cruise ship out of Japan. So to bring the brand over in terms of a cruise ship is again another brilliant move on their part. Occupancy is high on Disney ships, at 98% across the five existing ships in fiscal year 2024, according to a company fact sheet. Bigger players, such as Carnival Corporation, Royal Caribbean Group and Norwegian Cruise Line, have more ships in their fleet than Disney Cruise Line and have been in the business longer. Royal Caribbean's Icon of the Seas is currently the world's largest cruise ship, and it's loaded with family friendly attractions.

Persons: “ Coco, ” That’s, ”, Beci Mahnken, Kent Phillips, Mahnken, Kyle Valenta, Disney, ” Valenta, “, ” Mahnken, Thomas Mazloum, ” Mazloum, Joe Raedle, Valenta Organizations: CNN, “, MEI, Disney, Cruise Lines International Association, Cruise, Oceaneer Club, Disney Treasure, Disney Disney, Oriental Land Company, Tokyo Disney Resort, Hong Kong Disney, Tokyo Disney …, Shanghai Disney, Disney Cruise, Geographic, Disney Vacation, Carnival Corporation, Royal Caribbean Group, Royal Locations: Asia, Singapore, Tokyo, Japan, Hong Kong, Shanghai, It’s, Hawaii, Royal Caribbean

☆ Can Wall Street Billionaires Deliver on Trump’s Blue-Collar Promise?
▼ + stars: | 2024-11-25 | by ( Alan Rappeport | Ana Swanson | ) www.nytimes.com time to read: +1 min

When Donald J. Trump first ran for the White House in 2016, his closing campaign advertisement lamented the influence of Wall Street in Washington, flashing ominous images of big banks and the billionaire liberal philanthropist George Soros. Now, as president-elect, Mr. Trump has tapped two denizens of Wall Street to run his economic agenda. Mr. Trump’s choices to lead his economic team show the prominence of billionaire investors in setting an agenda that is supposed to fuel a “blue-collar boom” but that skeptics think will mostly benefit the rich. As Mr. Trump prepares to assume the presidency in January, business owners and investors are closely attuned to which of his economic promises he will ultimately follow through on. The selections of Mr. Bessent and Mr. Lutnick cement a hold by Wall Street executives over the two most important economic posts in any administration.

Persons: Donald J, Trump, George Soros, Scott Bessent, Soros, Howard Lutnick, Cantor Fitzgerald, Bessent Organizations: White House, Commerce Department, Mr, Wall Street Locations: Washington, China

☆ Ukraine says it found Western parts inside North Korean ballistic missiles fired by Russia
▼ + stars: | 2024-11-25 | by ( Jake Epstein | ) www.businessinsider.com time to read: +3 min

AdvertisementUkraine said on Monday that it found Western-made parts inside North Korean ballistic missiles. Ukraine's military intelligence agency said that it found Western-made parts inside North Korea's KN-23 and KN-24 short-range ballistic missiles. Kyiv said that it had previously found Western technology in the North Korean missiles. The Monday statement marks Ukraine's latest announcement on the finding of Western-made parts inside weapons used by Russia in this war. NATO said the introduction of North Korean troops into the war marked a "significant escalation" in the grinding conflict.

Persons: HUR, — Organizations: North, XP, Anadolu, Getty, North Korean, Korean, NATO Locations: Ukraine, Russia, Kyiv, Europe, Russian, North Korea, China, Japan, Switzerland, British, North Korean, DPRK, Iran, Pyongyang, Moscow, Russia's, Kursk

☆ Trump's deregulation will not affect inflation, says Professor of Economics
▼ + stars: | 2024-11-25 | by ( ) www.cnbc.com time to read: 1 min

Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailTrump's deregulation will not affect inflation, says Professor of EconomicsSteve Hanke, Professor of Applied Economics at John Hopkins University argues that Trump's policies are not inflationary and expects U.S. inflation to drop below 2% next year.

Persons: Steve Hanke Organizations: Economics, John Hopkins University

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