Podcasts about Business day

Mike Wills is joined by Hilary Joffe, seasoned Business Day columnist and one of the sharpest economic analysts in the country, to help us make sense of what this budget really signals for the economy, investors, and the South African public Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

John Maytham is joined by Khaya Sithole, chartered accountant, political analyst, and Business Day columnist. He argues that if President Ramaphosa’s mission succeeds, the economic fallout can be contained—but failure could leave South Africa paying a steep price, not just diplomatically, but economically. Presenter John Maytham is an actor and author-turned-talk radio veteran and seasoned journalist. His show serves a round-up of local and international news coupled with the latest in business, sport, traffic and weather. The host’s eclectic interests mean the program often surprises the audience with intriguing book reviews and inspiring interviews profiling artists. A daily highlight is Rapid Fire, just after 5:30pm. CapeTalk fans call in, to stump the presenter with their general knowledge questions. Another firm favourite is the humorous Thursday crossing with award-winning journalist Rebecca Davis, called “Plan B”. Thank you for listening to a podcast from Afternoon Drive with John Maytham Listen live on Primedia+ weekdays from 15:00 and 18:00 (SA Time) to Afternoon Drive with John Maytham broadcast on CapeTalk https://buff.ly/NnFM3Nk For more from the show go to https://buff.ly/BSFy4Cn or find all the catch-up podcasts here https://buff.ly/n8nWt4x Subscribe to the CapeTalk Daily and Weekly Newsletters https://buff.ly/sbvVZD5 Follow us on social media: CapeTalk on Facebook: https://www.facebook.com/CapeTalk CapeTalk on TikTok: https://www.tiktok.com/@capetalk CapeTalk on Instagram: https://www.instagram.com/ CapeTalk on X: https://x.com/CapeTalk CapeTalk on YouTube: https://www.youtube.com/@CapeTalk567 See omnystudio.com/listener for privacy information.

Happy Friday and happy *almost* Small Business Day! If you've ever dreamed of being a beauty industry creative, a salon or spa owner, or a successful marketing executive with a corner office, you'll want to tune into today's episode on how to make it big in the beauty industry with Lead x L'Oréal Institute. This program is transforming the beauty industry from trade to profession by offering a bachelor of applied science degree in beauty and wellness. Tune in to hear from Francis Tesmer, Founder and CEO of Lead, ROLFS Global Institute, alongside Sherilynn Smart, who graduated from the program last year. This uninterrupted BONUS episode is brought to you in partnership with our friends at Lead by Rolfs Global Institute Powered by L'Oreal Professionnel USA – the award-winning, first-ever college and university degree program designed specifically for beauty professionals.You'll discover:Accessibility – How the Lead x L'Oréal program works, including the Associate and Bachelor of Applied Science degree you can walk away with, studying online Global impact – Everything to know about scholarships and a new international apprenticeship program, so that you can earn credits and money while you workInnovation – The types of courses you can take with Lead's beauty education curriculum, from finance to psychology and moreGrowth – What the degrees can do for you post-graduation, including valuable networking and job promotions to help empower beauticians in businessReal world success – Having begun her career as an educator and artist back in 2001, Sherilynn explains what it was like to go back to college while holding down a full-time job as Redken's Regional Education Manager at L'Oréal, with zero regretsTo learn more, visit LeadInstitute.Degree Get social with us and let us know what you think of the episode! Subscribe to our YouTube channel and find us on Instagram, Tiktok, Twitter. Join our private Facebook group. Or give us a call and leave us a voicemail at 1-844-227-0302. Sign up for our Substack here Related episodes like this: How-To Be Massively Successful In The Job You Love With Lead x L'Oréal's Francis TesmerHow Influencer Caroline Baudino Turned Her Amazon Finds Into a 6-Figure a Month CareerMeet the Founder Aiming to Get “Medical-Grade” Jewelry for Sensitive Skin into Sephora Aisles*Disclaimer: Unless otherwise stated, all products reviewed are gratis media samples submitted for editorial consideration.* Hosts: Carlene Higgins and Jill Dunn Theme song, used with permission: Cherry Bomb by Saya
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In this episode of the Healthy, Wealthy, and Smart Podcast, host Karen Litzy welcomes Dr. Lilian O. Ebuoma, a Harvard-trained breast radiologist and author of "Love Your Breasts, Love Yourself." With over two decades of experience in health and wellness, Dr. Ebuoma shares her journey from joining the U.S. Navy at 19 to pursuing her passion for medicine inspired by her grandmother, a midwife in Nigeria. The discussion emphasizes the importance of breast health and provides insights into holistic breast care. Tune in to learn more about Dr. Ebuoma 's expertise and her comprehensive guide to nurturing breast health. Links to her book and additional resources are available in the show notes.   Time Stamps:  [00:01:25] Journey into healthcare and radiology. [00:06:21] Breast cancer mortality disparities. [00:10:40] Self-examination for breast health. [00:14:14] Mammography screening recommendations. [00:15:18] Breast density and screening. [00:20:46] Diagnostic mammogram process explained. [00:24:15] Emotional wellbeing and breast health. [00:27:14] Cultural stigma and breast cancer. [00:32:03] Emotional impact of cancer diagnosis. [00:34:39] Complementary therapies in oncology. [00:39:07] Breast awareness and self-care. [00:42:06] Love your breasts, love yourself.   More About Dr. Lilian O. Ebuoma: Dr. Lilian Ebuoma is a Harvard-trained breast radiologist, certified physician executive, social entrepreneur, U.S Navy Veteran, and certified professional coach. She has more than two decades of experience in the health and wellness industry, including in the United States Navy.  She is a Fellow of the Institute of Coaching at McLean, Harvard Medical School Affiliate, and a 2027 Fellow of the American College of Radiology. Dr. Ebuoma is the founder of Lilly Women's Health and Lilly Cares Foundation (LCF) in Lagos, Nigeria with a primary focus of streamlining breast care to improve breast cancer morbidity and mortality outcomes in underserved areas.  A former Associate Professor of radiology, she has authored multiple scientific publications with a focus on breast health. She also is the Executive Producer of Tufiakwa: Witnessing the Breast Cancer Journey and author of Love Your Breasts, Love Yourself.  The recipient of the Navy and Marine Corps Achievement Medal and Early Faculty Excellence Award from the Baylor College of Medicine, Dr. Ebuoma was named top 50 most influential women in Nigeria by Business Day in 2023.  Resources from this Episode: Love Your Breasts Love Yourself Book Dr. Ebuoma's Website Dr. Ebuoma on Instagram Dr. Ebuoma on LinkedIn   Jane Sponsorship Information: Book a one-on-one demo here Front Desk @ Jane Mention the code LITZY1MO for a free month   Follow Dr. Karen Litzy on Social Media: Karen's Twitter Karen's Instagram Karen's LinkedIn   Subscribe to Healthy, Wealthy & Smart: YouTube Website Apple Podcast Spotify SoundCloud Stitcher iHeart Radio

Bongani Bingwa speaks with Hillary Joffe, Editor-at-Large at Business Day, as the International Monetary Fund lowers global growth forecasts, warning of a fundamental reset in the global economic system. While Finance Minister Enoch Godongwana projected 1.9% GDP growth for South Africa in 2025, the IMF now expects as little as 1% amid global uncertainty triggered by shifting U.S. trade policies. With South African officials, including Godongwana and SARB Governor Lesetja Kganyago, in Washington for the G20 finance track, global economic stability hangs in the balance. 702 Breakfast with Bongani Bingwa is broadcast on 702, a Johannesburg based talk radio station. Bongani makes sense of the news, interviews the key newsmakers of the day, and holds those in power to account on your behalf. The team bring you all you need to know to start your day Thank you for listening to a podcast from 702 Breakfast with Bongani Bingwa Find all the catch-up podcasts here https://www.primediaplus.com/702/702-breakfast-with-bongani-bingwa/audio-podcasts/702-breakfast-with-bongani-bingwa/ Listen live - 702 Breakfast is broadcast weekdays between 06:00 and 09:00 (SA Time) https://www.primediaplus.com/station/702 Subscribe to the 702 daily and weekly newsletters https://www.primediaplus.com/competitions/newsletter-subscription/  Follow us on social media: 702 on Facebook: http://www.facebook.com/TalkRadio702   702 on TikTok: www.tiktok.com/@talkradio702  702 on Instagram: www.instagram.com/talkradio702  702 on X: www.x.com/Radio702  702 on YouTube: www.youtube.com/@radio702  See omnystudio.com/listener for privacy information.

Ray White speaks to Tiisetso Motsoeneng, Business Day Acting Editor about the paper's brand refresh and the future of paper-based newspapers in this digital age. They also reflect on stories making headlines this week from Vat hikes to the recent decline in SA's manufacturing sector.See omnystudio.com/listener for privacy information.

TymeBank Chief Commercial Officer Cheslyn Jacobs has criticised South African lenders for their continued reliance on banking fees, arguing that the model is unsustainable in the long term. Speaking with Business Day acting editor Tiisetso Motsoeneng, Jacobs positioned the app-only, Patrice Motsepe-backed bank as a challenger to the status quo. Business Day Spotlight is a MultimediaLIVE production. Produced by Demi Buzo.

Business Day acting editor Tiisetso Motsoeneng talks is joined by Nedbank COO Mfundo Nkuhlu.

An inspiring episode featuring Stephen Parnaby OBE. From 23 years leading East Riding Council to his work with Wren Kitchens and directing The Business Day event, Stephen shares his biggest leadership lessons, business insights, and the story of receiving his OBE from then-Prince Charles.

Webull has set its sights on signing up a million SA clients within the next three years, putting China's retail share trading platform on a collision course with Purple Group's EasyEquities. In this edition of the Business Day Spotlight, Business Day acting editor Tiisetso Motsoeneng is joined by Ricardo da Silva, CEO of Webull South Africa to unpack the platforms setting up shop in South Africa.

A expansão da inteligência artificial para os mais diversos campos torna a questão da regulamentação do seu uso cada vez mais urgente, em meio a uma concorrência mundial crescente. Espremida entre o controle estatal da China e a flexibilidade dos Estados Unidos, a Europa busca se diferenciar com uma IA protetora dos usuários – mesmo que este caminho a deixe para trás nesta corrida. A União Europeia adotou em 2024 a legislação mais completa do mundo sobre a tecnologia. O “respeito da vida dos cidadãos” está no foco do texto do IA Act, que impõe transparência sobre o seu uso, exigências de normas para áreas consideradas sensíveis, como educação e segurança, e até proibições de uso da IA quando for contrário aos valores europeus, a exemplo do sistema de notação de pessoas que existe na China.Enquanto isso, nos Estados Unidos, um dos primeiros atos da desregulamentação generalizada prometida pelo presidente Donald Trump foi reverter o frágil mecanismo que havia sido instaurado pelo ex-presidente Joe Biden em matéria de inteligência artificial.Este foi um dos principais temas debatidos na Cúpula para a Ação sobre a Inteligência Artificial, realizada em Paris nesta segunda e terça-feira. “Nós apoiamos a regulação: como se tem dito, a IA é importante demais para não ser regulada, mas deve ser regulada de forma inteligente”, disse a diretora global de Políticas de Concorrência do Google, Astri Van Dyke, em um painel do Business Day, evento paralelo da cúpula. “Temos que ter uma visão dos riscos e analisar setor por setor. Os riscos da IA na saúde serão diferentes do da indústria, por exemplo”, complementou.  Já Adam Cohen, diretor de Impacto Econômico da OpenAi, considera que, neste momento de desenvolvimento da tecnologia, regras mais flexíveis favorecem o surgimento de novos players. “As regras e regimes de compliance podem criar obstáculos. Só para dar uma ideia de comparação, na OpenAI somos 2 mil colaboradores, o que é menos do que só o time jurídico do Google”, disse o executivo da criadora do ChatGPT. “Não temos o mesmo nível de recursos. O impacto que as obrigações podem ter é muito importante”, comentou.Regulação poder preservar a concorrência Solange Viegas dos Reis, diretora jurídica da OVHCloud, líder europeia em armazenamento de dados, afirma que um dos principais papeis da regulação é justamente proteger a concorrência justa. Representando um setor em que 70% do mercado é dominado por três big techs americanas (Amazon, Microsoft e Google), ela avalia que o mercado sozinho não garantirá essas salvaguardas.“A regulação não é automaticamente sinônimo de freio à competição. Se ela for adaptada, ela pode ajudar à competição”, observa. “Hoje, o que se passa é que tem uma diferença muito grande de capacidade de desenvolvimento entre empresas americanas e europeias – as grandes empresas da tech são americanas e as europeias são muito menores. Mas podemos ver que a regulação pode ajudar todo o tecido industrial e econômico a se desenvolver. E temos um diferencial importante, na comparação com os competidores, que é a proteção dos dados e a soberania sobre eles”, destaca.Solange compara as empresas de IA com as outras indústrias, dentre as quais muitas não se importam de recorrer ao trabalho infantil ou desrespeitar normas ambientais.“Não é porque, em certos países, a IA é feita num faroeste que devemos aceitá-la. Sabemos que o mercado europeu é importante para várias empresas no mundo inteiro, incluindo as americanas”, salientou. “Como o nosso mercado é importante, nós podemos impor regras que permitam acessá-lo. Essas regras têm que permitir que a atividade econômica flua com boas condições, mas também podem impedir que pessoas que venham do faroeste apliquem os métodos delas na Europa.”IA tem interesse em manter indústrias criativas O presidente da Autoridade da Concorrência francesa, Benoît Coeuré, disse que o risco é a IA se tornar uma gigantesca indústria da exploração de dados, na qual as grandes companhias captarão, legal ou legalmente, informais sigilosas ou protegidas por direitos autorais.“Nós temos que tomar cuidado para nos prevenir disso, e balancear os interesses da IA contra os de outros quesitos, inclusive sociais, mas também de propriedade intelectual, da indústria da mídia, da proteção privacidade e tantos outros. Essa discussão só começou e acredito que encontraremos um caminho a seguir”, frisou. “Estou confiante porque é do maior interesse das companhias de IA proteger a produção dos dados, seja de conhecimento, de música, de notícias, de filmes. O seu maior interesse de longo prazo vai ser proteger esse ecossistema criativo, do qual ela depende”, explicou.  O presidente francês, Emmanuel Macron, defende que é essencial manter “a confiança” das pessoas na inteligência artificial e pregou uma “regulação mundial” desta tecnologia, embora tenha reconhecido que os excessos podem abalar o seu desenvolvimento.Governança inclusiva da IAO Brasil segue por essa linha: ao lado de Paris, Brasília é uma das 29 signatárias da Parceria Mundial pela Inteligência Artificial, promovida pela OCDE (Organização para a Cooperação e o Desenvolvimento Econômico) para pregar boas práticas na utilização da tecnologia. Em uma mesa redonda da cúpula, o ministro das Relações Exteriores Mauro Vieira defendeu uma governança inclusiva da IA.“As Nações Unidas não devem estar apenas no centro das discussões sobre IA, mas no centro de qualquer iniciativa de tomada de decisão. Defendemos um diálogo aberto, equitativo e inclusivo, sempre reconhecendo as necessidades e prioridades de cada país, e acreditamos que a implementação do Pacto Digital Global deve estar no centro do nosso ‘road map'”, afirmou o chanceler.Vieira lembrou que a governança da inteligência artificial foi uma das prioridades da presidência brasileira do G20, no ano passado, e também será um dos principais objetivos da presidência do Brasil do Brics em 2025. “Os países do Sul Global precisarão ser ouvidos se quisermos alcançar soluções sustentáveis ​​para problemas duradouros e evitar uma nova exclusão digital entre países de diferentes níveis de desenvolvimento”, evocou.No encerramento da cúpula, nesta terça (11), nem os Estados Unidos, nem o Reino Unido assinaram a proposta de comunicado final do evento, que defendeu uma “IA inclusiva e sustentável” do ponto de vista energético.

This evening we look at the markets with Sanlam Private Wealth, we speak to the Nelson Mandela Foundation about Douw Steyn's legacy, Business Day tech analyst Mudiwa Gavaza helps us understand the new proposed structure for MultiChoice once the Canal+ deal is completed, Dr Raymond Parsons of NWU unpacks expectations for the upcoming state of the nation address, and we speak to STBB Attorneys about how marriage in community of property impacts ownership. SAfm Market Update - Podcasts and live stream

It's Tuesday, January 28th, A.D. 2025. This is The Worldview in 5 Minutes heard on 125 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Kevin Swanson Brazil's Leftist president a liability Brazil's Left-wing president is not doing well in the polls. Luiz Inácio da Silva's ratings have dipped to 47%. Lula's deficits are running 9.5% of the Brazilian Gross Domestic Product which is the measure of the total value of goods and services produced in a country over a year. The Brazil Real, which is worth 16 cents in America, has dropped 16% in reference to the U.S. dollar since he took office. The Real took the dubious award for the worst-performing major currency in 2024, reports The Economist.  Brazil's debt to GDP also increased from 71% to 78% in 2024 Milei's conservative policies boosted Argentina's economy Meanwhile, just south of Brazil, Argentina's government under President Javier Milei has successfully reduced the nation's Debt to GDP ratio in 2024 from 155% to 112%. Milei's fiscally conservative policies also improved the nation's Gross Domestic Product slightly, year over year. South Africa seizing private property without compensation And, last week, South African President Cyril Ramaphosa signed a bill into law that would allow the national government to seize private property without having to pay compensation. The confiscations will be allowed where it is “just and equitable and in the public interest.” The radical measure has fired up disunity among parties in the new South African government. Power shifted a bit in South African government after last year's election. The African National Congress and the South African Communist Party dropped from 68% to 49.7% control over the nation's government. Redistribution of the land has not yielded good results thus far for the South African people.  Business Day reported that “On-farm beneficiaries earn little-to-no income, and the majority of beneficiaries seek employment on surrounding commercial farms instead of actively farming their own land. Where land reform farms are in operation, they operate below their full commercial potential and have a strong bias towards subsistence agriculture. Across sampled sites, crop production had decreased by 79% since conversion to land reform.” God's law states plainly, “Thou shalt not steal.” (Exodus 20:15) Trump's administration arrested 2,500 illegals since Thursday The U.S. Immigration and Customs Enforcement agency has already arrested 2,500 illegal immigrants since last Thursday, 956 on Sunday, reports One America News. This isn't the first time the United States has deported illegal immigrants. The previous administration averaged about 311 deportations per day, according to ICE reports.  About one-third of deportations in 2023 were individuals facing serious charges or convictions of crime as well as 237 known terrorists.  Democrats oppose protecting baby survivors of botched abortions The U.S. Congress still has proven itself incapable of taking the most basic pro-life position against the greatest evil in American society today. Republican Senator James Lankford's  Born-Alive Abortion Survivors Protection Act failed again last Thursday, as 47  Democrats voted against allowing the bill to proceed in the Senate. Listen to what Republican Majority Leader John Thune of South Dakota said about the Democrat opposition. THUNE: “We should all be able to agree that a baby born alive after an attempted abortion must be protected. And yet, I fully expect that later today, my Democrat colleagues will vote no on this legislation. “They will vote against protection for a living, breathing newborn baby simply because that child has been born alive after an attempted abortion. Why are they going to vote like that, Mr. President?  After all, I think most Democrats would still claim to oppose infanticide, even if the moral line at times appears to be slipping. And yet, Democrats are going to vote against legislation to provide appropriate medical care to living, breathing, newborn children.” Be sure of this: “Though they join forces, the wicked will not go unpunished; But the posterity of the righteous will be delivered.” (Proverbs 11:21) Rubio halts all foreign spending except for Israel, Egypt, & emergency food assistance Politico reports that Secretary of State Marco Rubio has halted all foreign aid spending for 90 days, including distributions to Ukraine. However, the order exempts foreign military financing for Egypt and Israel, and allows for emergency food assistance and “legitimate expenses incurred prior to the date of this” guidance “under existing awards.” 11% now delinquent on mortgage Commercial Mortgage-Backed Security reports the highest delinquency rate on mortgages in recorded history going back into the 1990s — now at 11%. That's up from 2% in 2023. Coresight, which tracks store closures, recorded a total of 7,325 retail stores shuttered up last year — a 67% increase over 2023. Family Dollar and CVS were the big losers. Amazon, Walmart, and Costco had big years. Coresight estimates 15,000 closures this year to include Party City, Big Lots, and Walgreens, reports CNBC. 75% of Christian men & 40% of Christian women use porn Barna Group and Pure Desire Ministries issued their 2024 “Beyond the Porn Phenomenon” report  concluding that pornography use has increased 11% over the last eight years. Seventy-five percent of Christian men and 40 percent of Christian women report that they are viewing pornography at least occasionally, and 60% are addicted. About half of practicing Christians say they are comfortable with the habit. Also, the younger generation (or Gen Zers) were the least likely to express comfort with how much porn they use. Gen Zers were almost twice as likely to say they wished they didn't use pornography at all, as compared to older generations. John Piper cites 2 Biblical motivations not to use porn Pastor John Piper addressed the porn problem in his recent “Ask Pastor John” podcast.   PIPER: “The biblical principle of motivation for purity, for not pursuing or indulging in sexual pleasure where it ought not to be found, is that the Bible uses fear and hope to draw us away from impurity. You hear both of these, for example, in Romans 8:13. “‘If you live according to the flesh, you will die. But if, by the Spirit, you put to death the deeds of the body, you will live.'  So, if you spend your life giving into lust, the lust of the flesh, you perish. Now, that's meant to make us afraid. It's meant to strike fear into our hearts so that we turn away, flee from temptations of the flesh. “But then he says, ‘If by the Spirit, you put to death the deeds of the body, you will live.' And that's meant to awaken hope. In the power of the hope, pursue this purity and not sin. So, the Bible uses both fear and hope, threat and promise.” He points to the Gospel motive from 1 Peter 2:24. It says, “He Himself bore our sins in His own body on the tree, that we, having died to sins, might live for righteousness—by whose stripes you were healed.”   Pastor Piper emphasized that “Christ purchased the power not to sin.” Pray for Pastor John MacArthur's recovery after heart surgery And finally, Pastor John MacArthur, the host of the radio program Grace to You, remains in the hospital following heart valve surgery, dealing with ongoing issues with his heart, lungs and kidney. Grace Community Church Elder Phil Johnson took to X to correct rumors that the pastor was dying. Johnson is urging fellow believers to “keep him in your prayers.”  Please pray for his recovery and send a get well card to Pastor John MacArthur, Grace Community Church, 13248 Roscoe Blvd, Sun Valley, CA 91352. I hope you will be one of hundreds of Worldview listeners to take the time to do so. Close And that's The Worldview on this Tuesday, January 28th, in the year of our Lord 2025. Subscribe by Amazon Music or by iTunes or email to our unique Christian newscast at www.TheWorldview.com. Or get the Generations app through Google Play or The App Store. I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

Lauren Goodwin and Julia Hermann explore the policy changes marking the Biden-Trump transition, focusing on key considerations for investors. These shifts, driven by executive orders and new regulations, primarily address geopolitical and tech issues. Listen to learn more.

Stephen Grootes speaks to Kabelo Khumalo, Companies & Markets reporter at Business Day, about the complex and far-reaching implications of the liquidation of Ithala Development Finance Corporation, which affects approximately 257,000 clients In other interviews, the founder of Ash & Mill, Dr Brian Watson talks about their nourishing body butter, a luxurious blend of natural ingredients that melts at skin temperature, providing long-lasting hydration and soothing dry skin.See omnystudio.com/listener for privacy information.

Stephen Grootes speaks to Kabelo Khumalo, Companies & Markets reporter at Business Day, about the complex and far-reaching implications of the liquidation of Ithala Development Finance Corporation, which affects approximately 257,000 clientsSee omnystudio.com/listener for privacy information.

1UNITED STATES BANKRUPTCY COURTSOUTHERN DISTRICT OF TEXASHOUSTON DIVISIONIn re:INTRUM AB, et al.,1Debtors.Chapter 11Case No. 24-90575 (CML)(Jointly Administered)NOTICE OF APPEALPursuant to 28 U.S.C. § 158(a) and Federal Rules of Bankruptcy Procedure 8002 and 8003,notice is hereby given that the Ad Hoc Committee of holders of 2025 notes issued by Intrum AB(the “AHC”) hereby appeals to the United States District Court for the Southern District of Texasfrom (i) the Order Denying Motion of the Ad Hoc Committee of Holders of Intrum AB Notes Due2025 to Dismiss Chapter 11 Cases Pursuant to 11 U.S.C. § 1112(b) and Federal Rule ofBankruptcy Procedure 1017(f)(1) (ECF No. 262) (the “Motion to Dismiss Order”) and (ii) theOrder (I) Approving Disclosure Statement and (II) Confirming Joint Prepackaged Chapter 11Plan of Intrum AB and Its Affiliated Debtor (Further Technical Modifications) (ECF No. 263) (the“Confirmation Order”). A copy of the Motion to Dismiss Order is attached as Exhibit A and acopy of the Confirmation Order is attached as Exhibit B. Additionally, the transcript of theBankruptcy Court's oral ruling accompanying the Motion to Dismiss Order and ConfirmationOrder (ECF No. 275) is attached as Exhibit C.Below are the names of all parties to this appeal and their respective counsel:1 The Debtors in these Chapter 11 Cases are Intrum AB and Intrum AB of Texas LLC. The Debtors'service address in these Chapter 11 Cases is 801 Travis Street, Ste 2101, #1312, Houston, TX 77002.Case 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 1 of 62I. APPELLANTA. Name of Appellant:The members of the AHC include:Boundary Creek Master Fund LP; CF INT Holdings Designated Activity Company; CaiusCapital Master Fund; Diameter Master Fund LP; Diameter Dislocation Master Fund II LP; FirTree Credit Opportunity Master Fund, LP; MAP 204 Segregated Portfolio, a segregated portfolioof LMA SPC; Star V Partners LLC; and TQ Master Fund LP.Attorneys for the AHC:QUINN EMANUEL URQUHART & SULLIVAN, LLPChristopher D. Porter (SBN 24070437)Joanna D. Caytas (SBN 24127230)Melanie A. Guzman (SBN 24117175)Cameron M. Kelly (SBN 24120936)700 Louisiana Street, Suite 3900Houston, TX 77002Telephone: (713) 221-7000Facsimile: (713) 221-7100Email: chrisporter@quinnemanuel.comjoannacaytas@quinnemanuel.commelanieguzman@quinnemanuel.comcameronkelly@quinnemanuel.com-and-Benjamin I. Finestone (admitted pro hac vice)Sascha N. Rand (admitted pro hac vice)Katherine A. Scherling (admitted pro hac vice)295 5th AvenueNew York, New York 10016Telephone: (212) 849-7000Facsimile: (212) 849-7100Email: benjaminfinestone@quinnemanuel.comsascharand@quinnemanuel.comkatescherling@quinnemanuel.comB. Positions of appellant in the adversary proceeding or bankruptcy case that isthe subject of this appeal:CreditorsCase 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 2 of 63II. THE SUBJECT OF THIS APPEALA. Judgment, order, or decree appealed from:The Order Denying Motion of the Ad Hoc Committee of Holders of Intrum AB Notes Due2025 to Dismiss Chapter 11 Cases Pursuant to 11 U.S.C. § 1112(b) and Federal Rule ofBankruptcy Procedure 1017(f)(1) (ECF No. 262); the Order (I) Approving Disclosure Statementand (II) Confirming Joint Prepackaged Chapter 11 Plan of Intrum AB and Its Affiliated Debtor(Further Technical Modifications) (ECF No. 263); and the December 31, 2024 Transcript of OralRuling Before the Honorable Christopher M. Lopez United States Bankruptcy Court Judge (ECFNo. 275).B. The date on which the judgment, order, or decree was entered:The Motion to Dismiss Order and the Confirmation Order were entered on December 31,2024. The Court issued its oral ruling accompanying the Motion to Dismiss Order and theConfirmation Order on December 31, 2024.III. OTHER PARTIES TO THIS APPEALIntrum AB and Intrum AB of Texas LLCMILBANK LLPDennis F. Dunne (admitted pro hac vice)Jaimie Fedell (admitted pro hac vice)55 Hudson YardsNew York, NY 10001Telephone: (212) 530-5000Facsimile: (212) 530-5219Email: ddunne@milbank.comjfedell@milbank.com–and–Andrew M. Leblanc (admitted pro hac vice)Melanie Westover Yanez (admitted pro hac vice)1850 K Street, NW, Suite 1100Washington, DC 20006Telephone: (202) 835-7500Facsimile: (202) 263-7586Email: aleblanc@milbank.commwyanez@milbank.com–and–PORTER HEDGES LLPJohn F. Higgins (SBN 09597500)Case 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 3 of 64Eric D. Wade (SBN 00794802)M. Shane Johnson (SBN 24083263)1000 Main Street, 36th FloorHouston TX 77002Telephone: (713) 226-6000Facsimile: (713) 226-6248Email: jhiggins@porterhedges.comewade@porterhedges.comsjohnson@porterhedges.comIV. OTHER PARTIES THAT MAY HAVE AN INTEREST IN THIS APPEALThe following chart lists certain parties that are not parties to this appeal, but that may havean interest in the outcome of the case. These parties should be served with notice of this appealby the Debtors who are aware of their identities and best positioned to provide notice.All Other Creditors of the Debtors, Including, But Not Limited To:• Certain funds and accounts managed by BlackRock Investment Management (UK)Limited or its affiliates;• Capital Four;• Davidson Kempner European Partners, LLP;• Intermediate Capital Managers Limited;• Mandatum Asset Management Ltd;• H.I.G. Capital, LLC;• Spiltan Hograntefond; Spiltan Rantefond Sverige; and Spiltan Aktiefond Stabil;• The RCF SteerCo Group;• Swedbank AB (publ).Any Holder of Stock of the Debtors• Any holder of stock of the Debtors, including their successors and assigns.Case 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 4 of 65Respectfully submitted this 13th day of January, 2025.QUINN EMANUEL URQUHART &SULLIVAN, LLP/s/ Christopher D. PorterChristopher D. Porter (SBN 24070437)Joanna D. Caytas (SBN 24127230)Melanie A. Guzman (SBN 24117175)Cameron M. Kelly (SBN 24120936)700 Louisiana Street, Suite 3900Houston, TX 77002Telephone: (713) 221-7000Facsimile: (713) 221-7100Email: chrisporter@quinnemanuel.comjoannacaytas@quinnemanuel.commelanieguzman@quinnemanuel.comcameronkelly@quinnemanuel.com-and-Benjamin I. Finestone (admitted pro hac vice)Sascha N. Rand (admitted pro hac vice)Katherine A. Scherling (admitted pro hac vice)295 5th AvenueNew York, New York 10016Telephone: (212) 849-7000Facsimile: (212) 849-7100Email: benjaminfinestone@quinnemanuel.comsascharand@quinnemanuel.comkatescherling@quinnemanuel.comCOUNSEL FOR THE AD HOC COMMITTEE OFINTRUM AB 2025 NOTEHOLDERSCase 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 5 of 6CERTIFICATE OF SERVICEI, Christopher D. Porter, hereby certify that on the 13th day of January, 2025, a copy ofthe foregoing document has been served via the Electronic Case Filing System for the UnitedStates Bankruptcy Court for the Southern District of Texas./s/ Christopher D. PorterBy: Christopher D. PorterCase 24-90575 Document 296 Filed in TXSB on 01/13/25 Page 6 of 6EXHIBIT ACase 24-90575 Document 296-1 Filed in TXSB on 01/13/25 Page 1 of 31IN THE UNITED STATES BANKRUPTCY COURTFOR THE SOUTHERN DISTRICT OF TEXASHOUSTON DIVISION)In re: ) Chapter 11)Intrum AB, et al.,1 ) Case No. 24-90575 (CML)))Jointly AdministeredDebtors. ))ORDER DENYING MOTION OF THE AD HOCCOMMITTEE OF HOLDERS OF INTRUM AB NOTES DUE 2025TO DISMISS CHAPTER 11 CASES PURSUANT TO 11 U.S.C. § 1112(B) ANDFEDERAL RULE OF BANKRUPTCY PROCEDURE 1017(F)(1)(Related to Docket No. 27)This matter, having come before the Court upon the Motion of the Ad Hoc Committee ofHolders of Intrum AB Notes Due 2025 to Dismiss Chapter 11 Cases Pursuant to 11 U.S.C. §1112(b) and Federal Rule of Bankruptcy Procedure 1017(f)(1) [Docket No. 27] (the “Motion toDismiss”); and this Court having considered the Debtors' Objection to the Motion of the Ad HocCommittee of Holders of Intrum AB Notes Due 2025 to Dismiss Chapter 11 Cases Pursuant to 11U.S.C. § 1112(b) and Federal Rule of Bankruptcy Procedure 1017(f)(1) (the “Objection”) andany other responses or objections to the Motion to Dismiss; and this Court having jurisdiction overthis matter pursuant to 28 U.S.C. § 1334 and the Amended Standing Order; and this Court havingfound that this is a core proceeding pursuant to 28 U.S.C. § 157(b)(2); and this Court having foundthat it may enter a final order consistent with Article III of the United States Constitution; and thisCourt having found that the relief requested in the Objection is in the best interests of the Debtors'1 The Debtors in these Chapter 11 Cases are Intrum AB and Intrum AB of Texas LLC. The Debtors' serviceaddress in these Chapter 11 Cases is 801 Travis Street, STE 2101, #1312, Houston, TX 77002.United States Bankruptcy CourtSouthern District of TexasENTEREDDecember 31, 2024Nathan Ochsner, ClerkCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29662-1 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 2 o of f2 32estates; and this Court having found that the Debtors' notice of the Objection and opportunity fora hearing on the Motion to Dismiss and Objection were appropriate and no other notice need beprovided; and this Court having reviewed the Motion to Dismiss and Objection and havingheard the statements in support of the relief requested therein at a hearing before this Court; andthis Court having determined that the legal and factual bases set forth in the Objectionestablish just cause for the relief granted herein; and upon all of the proceedings had beforethis Court; and after due deliberation and sufficient cause appearing therefor, it is HEREBYORDERED THAT:1. The Motion to Dismiss is Denied for the reasons stated at the December 31, 2024 hearing.2. This Court retains exclusive jurisdiction and exclusive venue with respect to allmatters arising from or related to the implementation, interpretation, and enforcement of this Order.DAeucegmubste 0r 23,1 2, 0210294CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29662-1 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 3 o of f2 3EXHIBIT BCase 24-90575 Document 296-2 Filed in TXSB on 01/13/25 Page 1 of 135IN THE UNITED STATES BANKRUPTCY COURTFOR THE SOUTHERN DISTRICT OF TEXASHOUSTON DIVISION)In re: ) Chapter 11)Intrum AB et al.,1 ) Case No. 24-90575 (CML)))(Jointly Administered)Debtors. ))ORDER (I) APPROVINGDISCLOSURE STATEMENT AND(II) CONFIRMING JOINT PREPACKAGED CHAPTER 11PLAN OF INTRUM AB AND ITS AFFILIATEDDEBTOR (FURTHER TECHNICAL MODIFICATIONS)The above-captioned debtors and debtors in possession (collectively, the“Debtors”), having:a. entered into that certain Lock-Up Agreement, dated as of July 10, 2024 (asamended and restated on August 15, 2024, and as further modified,supplemented, or otherwise amended from time to time in accordance with itsterms, the “the Lock-Up Agreement”) and that certain Backstop Agreement,dated as of July 10, 2024, (as amended and restated on November 15, 2024 andas further modified, supplemented, or otherwise amended from time to time inaccordance with its terms), setting out the terms of the backstop commitmentsprovided by the Backstop Providers to backstop the entirety of the issuance ofNew Money Notes (as may be further amended, restated, amended and restated,modified or supplemented from time to time in accordance with the termsthereof, the “Backstop Agreement”) which set forth the terms of a consensualfinancial restructuring of the Debtors;b. commenced, on October 17, 2024, a prepetition solicitation (the “Solicitation”)of votes on the Joint Prepackaged Chapter 11 Plan of Reorganization of IntrumAB and its Debtor Affiliate Pursuant to Chapter 11 of the Bankruptcy Code (asthe same may be further amended, modified and supplemented from time totime, the “Plan”), by causing the transmittal, through their solicitation andballoting agent, Kroll Restructuring Administration LLC (“Kroll”), to theholders of Claims entitled to vote on the Plan of, among other things: (i) the1 The Debtors in these chapter 11 cases are Intrum AB and Intrum AB of Texas LLC. The Debtors' serviceaddress in these chapter 11 cases is 801 Travis Street, STE 2102, #1312, Houston, TX 77002.United States Bankruptcy CourtSouthern District of TexasENTEREDDecember 31, 2024Nathan Ochsner, ClerkCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 2 o of f1 133452Plan, (ii) the Disclosure Statement for Joint Prepackaged Chapter 11 Plan ofReorganization of Intrum AB and its Debtor Affiliate (as the same may befurther amended, modified and supplemented from time to time, the“Disclosure Statement”), and (iii) the Ballots and Master Ballot to vote on thePlan (the “Ballots”), (iv) the Affidavit of Service of Solicitation Materials[Docket No. 7];c. commenced on November 15, 2024 (the “Petition Date”), these chapter 11 cases(these “Chapter 11 Cases”) by filing voluntary petitions in the United StatesBankruptcy Court for the Southern District of Texas (the “Bankruptcy Court”or the “Court”) for relief under chapter 11 of title 11 of the United States Code(the “Bankruptcy Code”);d. Filed on November 15, 2024, the Affidavit of Service of Solicitation Materials[Docket No. 7] (the “Solicitation Affidavit”);e. Filed, on November 16, 2024 the Joint Prepackaged Chapter 11 Plan ofReorganization of Intrum AB and its Debtor Affiliate Pursuant to Chapter 11of the Bankruptcy Code (Technical Modifications) [Docket No. 16] and theDisclosure Statement for Joint Prepackaged Chapter 11 Plan of Intrum AB andits Debtor Affiliate [Docket No. 17];f. Filed on November 16, 2024, the Declaration of Andrés Rubio in Support of ofthe Debtors' Chapter 11 Petitions and First Day Motions [Docket No. 14] (the“First Day Declaration”);g. Filed on November 17, 2024, the Declaration of Alex Orchowski of KrollRestructuring Administration LLC Regarding the Solicitation of Votes andTabulation of Ballots Case on the Joint Prepackaged Chapter 11 Plan ofReorganization of Intrum AB and its Debtor Affiliate Pursuant to Chapter 11of the Bankruptcy Code [Docket No. 18] (the “Voting Declaration,” andtogether with the Plan, the Disclosure Statement, the Ballots, and theSolicitation Affidavit, the “Solicitation Materials”);h. obtained, on November 19, 2024, the Order(I) Scheduling a Combined Hearingon (A) Adequacy of the Disclosure Statement and (B) Confirmation of the Plan,(II) Approving Solicitation Procedures and Form and Manner of Notice ofCommencement, Combined Hearing, and Objection Deadline, (III) FixingDeadline to Object to Disclosure Statement and Plan, (IV) Conditionally (A)Directing the United States Trustee Not to Convene Section 341 Meeting ofCreditors and (B) Waiving Requirement to File Statements of Financial Affairsand Schedules of Assets and Liabilities, and (V) Granting Related Relief[Docket No. 71] (the “Scheduling Order”), which, among other things: (i)approved the prepetition solicitation and voting procedures, including theConfirmation Schedule (as defined therein); (ii) conditionally approved theDisclosure Statement and its use in the Solicitation; and (iii) scheduled theCombined Hearing on December 16, 2024, at 1:00 p.m. (prevailing CentralCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 3 o of f1 133453Time) to consider the final approval of the Disclosure Statement and theconfirmation of the Plan (the “Combined Hearing”);i. served, through Kroll, on November 20, 2025, on all known holders of Claimsand Interests, the U.S. Trustee and certain other parties in interest, the Noticeof: (I) Commencement of Chapter 11 Bankruptcy Cases; (II) Hearing on theDisclosure Statement and Confirmation of the Plan, and (III) Certain ObjectionDeadlines (the “Combined Hearing Notice”) as evidence by the Affidavit ofService [Docket No. 160];j. caused, on November 25 and 27, 2024, the Combined Hearing Notice to bepublished in the New York Times (national and international editions) and theFinancial Times (international edition), as evidenced by the Certificate ofPublication [Docket No. 148];k. Filed and served, on December 10, 2024, the Plan Supplement for the Debtors'Joint Prepackaged Chapter 11 Plan of Reorganization [Docket 165];l. Filed on December 10, 2024, the Declaration of Jeffrey Kopa in Support ofConfirmation of the Joint Prepackaged Plan of Reorganization of Intrum ABand its Debtor Affiliate Pursuant to Chapter 11 of the Bankruptcy Code [DocketNo. 155];m. Filed on December 14, 2024, the:i. Debtors' Memorandum of Law in Support of an Order: (I) Approving, on aFinal Basis, Adequacy of the Disclosure Statement; (II) Confirming theJoint Prepackaged Plan of Reorganization; and (III) Granting Related Relief[Docket No. 190] (the “Confirmation Brief”);ii. Declaration of Andrés Rubio in Support of Confirmation of the JointPrepackaged Plan of Reorganization of Intrum AB and its Debtor Affiliate.[Docket No. 189] (the “Confirmation Declaration”); andiii. Joint Prepackaged Chapter 11 Plan of Reorganization of Intrum AB and itsDebtor Affiliate Pursuant to Chapter 11 of the Bankruptcy Code (FurtherTechnical Modifications) [Docket No. 191];n. Filed on December 18, 2024, the Joint Prepackaged Chapter 11 Plan ofReorganization of Intrum AB and its Debtor Affiliate Pursuant to Chapter 11of the Bankruptcy Code (Further Technical Modifications) [Docket No. 223];CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 3 4 o of f1 133454WHEREAS, the Court having, among other things:a. set December 12, 2024, at 4:00 p.m. (prevailing Central Time) as the deadlinefor Filing objection to the adequacy of the Disclosure Statement and/orConfirmation2 of the Plan (the “Objection Deadline”);b. held, on December 16, 2024 at 1:00 p.m. (prevailing Central Time) [andcontinuing through December 17, 2024], the Combined Hearing;c. heard the statements, arguments, and any objections made at the CombinedHearing;d. reviewed the Disclosure Statement, the Plan, the Ballots, the Plan Supplement,the Confirmation Brief, the Confirmation Declaration, the SolicitationAffidavit, and the Voting Declaration;e. overruled (i) any and all objections to approval of the Disclosure Statement, thePlan, and Confirmation, except as otherwise stated or indicated on the record,and (ii) all statements and reservations of rights not consensually resolved orwithdrawn, unless otherwise indicated; andf. reviewed and taken judicial notice of all the papers and pleadings Filed(including any objections, statement, joinders, reservations of rights and otherresponses), all orders entered, and all evidence proffered or adduced and allarguments made at the hearings held before the Court during the pendency ofthese cases;NOW, THEREFORE, it appearing to the Bankruptcy Court that notice of theCombined Hearing and the opportunity for any party in interest to object to the DisclosureStatement and the Plan having been adequate and appropriate as to all parties affected or to beaffected by the Plan and the transactions contemplated thereby, and the legal and factual bases setforth in the documents Filed in support of approval of the Disclosure Statement and Confirmationand other evidence presented at the Combined Hearing establish just cause for the relief grantedherein; and after due deliberation thereon and good cause appearing therefor, the BankruptcyCourt makes and issues the following findings of fact and conclusions of law, and orders for thereasons stated on the record at the December 31, 2024 ruling on plan confirmation;2 Capitalized terms used but not otherwise defined herein have meanings given to them in the Plan and/or theDisclosure Statement. The rules of interpretation set forth in Article I.B of the Plan apply to this CombinedOrder.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 4 5 o of f1 133455I. FINDINGS OF FACT AND CONCLUSIONS OF LAWIT IS HEREBY FOUND AND DETERMINED THAT:A. Findings of Fact and Conclusions of Law.1. The findings and conclusions set forth herein and in the record of theCombined Hearing constitute the Bankruptcy Court's findings of fact and conclusions of law underRule 52 of the Federal Rules of Civil Procedure, as made applicable herein by Bankruptcy Rules7052 and 9014. To the extent any of the following conclusions of law constitute findings of fact,or vice versa, they are adopted as such.B. Jurisdiction, Venue, Core Proceeding.2. This Court has jurisdiction over these Chapter 11 Cases pursuant to28 U.S.C. § 1334. Venue of these proceedings and the Chapter 11 Cases in this district is properpursuant to 28 U.S.C. §§ 1408 and 1409. This is a core proceeding pursuant to 28 U.S.C.§ 157(b)(2) and this Court may enter a final order hereon under Article III of the United StatesConstitution.C. Eligibility for Relief.3. The Debtors were and continue to be entities eligible for relief under section109 of the Bankruptcy Code and the Debtors were and continue to be proper proponents of thePlan under section 1121(a) of the Bankruptcy Code.D. Commencement and Joint Administration of the Chapter 11 Cases.4. On the Petition Date, the Debtors commenced the Chapter 11 Cases. OnNovember 18, 2024, the Court entered an order [Docket No. 51] authorizing the jointadministration of the Chapter 11 Case in accordance with Bankruptcy Rule 1015(b). The Debtorshave operated their businesses and managed their properties as debtors in possession pursuant toCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 5 6 o of f1 133456sections 1107(a) and 1108 of the Bankruptcy Code. No trustee, examiner, or statutory committeehas been appointed in these Chapter 11 Cases.E. Adequacy of the Disclosure Statement.5. The Disclosure Statement and the exhibits contained therein (i) containssufficient information of a kind necessary to satisfy the disclosure requirements of applicablenonbankruptcy laws, rules and regulations, including the Securities Act; and (ii) contains“adequate information” as such term is defined in section 1125(a)(1) and used in section1126(b)(2) of the Bankruptcy Code, with respect to the Debtors, the Plan and the transactionscontemplated therein. The Filing of the Disclosure Statement satisfied Bankruptcy Rule 3016(b).The injunction, release, and exculpation provisions in the Plan and the Disclosure Statementdescribe, in bold font and with specific and conspicuous language, all acts to be enjoined andidentify the Entities that will be subject to the injunction, thereby satisfying Bankruptcy Rule3016(c).F. Solicitation.6. As described in and evidenced by the Voting Declaration, the Solicitationand the transmittal and service of the Solicitation Materials were: (i) timely, adequate, appropriate,and sufficient under the circumstances; and (ii) in compliance with sections 1125(g) and 1126(b)of the Bankruptcy Code, Bankruptcy Rules 3017 and 3018, the applicable Local Bankruptcy Rules,the Scheduling Order and all applicable nonbankruptcy rules, laws, and regulations applicable tothe Solicitation, including the registration requirements under the Securities Act. The SolicitationMaterials, including the Ballots and the Opt Out Form (as defined below), adequately informedthe holders of Claims entitled to vote on the Plan of the procedures and deadline for completingand submitting the Ballots.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 6 7 o of f1 1334577. The Debtors served the Combined Hearing Notice on the entire creditormatrix and served the Opt Out Form on all Non-Voting Classes. The Combined Hearing Noticeadequately informed Holders of Claims or Interests of critical information regarding voting on (ifapplicable) and objecting to the Plan, including deadlines and the inclusion of release, exculpation,and injunction provisions in the Plan, and adequately summarized the terms of the Third-PartyRelease. Further, because the form enabling stakeholders to opt out of the Third-Party Release (the“Opt Out Form”) was included in both the Ballots and the Opt Out Form, every known stakeholder,including unimpaired creditors was provided with the means by which the stakeholders could optout of the Third-Party Release. No further notice is required. The period for voting on the Planprovided a reasonable and sufficient period of time and the manner of such solicitation was anappropriate process allowing for such holders to make an informed decision.G. Tabulation.8. As described in and evidenced by the Voting Declaration, (i) the holders ofClaims in Class 3 (RCF Claims) and Class 5 (Notes Claims) are Impaired under the Plan(collectively, the “Voting Classes”) and have voted to accept the Plan in the numbers and amountsrequired by section 1126 of the Bankruptcy Code, and (ii) no Class that was entitled to vote on thePlan voted to reject the Plan. All procedures used to tabulate the votes on the Plan were in goodfaith, fair, reasonable, and conducted in accordance with the applicable provisions of theBankruptcy Code, the Bankruptcy Rules, the Local Rules, the Disclosure Statement, theScheduling Order, and all other applicable nonbankruptcy laws, rules, and regulations.H. Plan Supplement.9. On December 10, 2024, the Debtors Filed the Plan Supplement with theCourt. The Plan Supplement (including as subsequently modified, supplemented, or otherwiseCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 7 8 o of f1 133458amended pursuant to a filing with the Court), complies with the terms of the Plan, and the Debtorsprovided good and proper notice of the filing in accordance with the Bankruptcy Code, theBankruptcy Rules, the Scheduling Order, and the facts and circumstances of the Chapter 11 Cases.All documents included in the Plan Supplement are integral to, part of, and incorporated byreference into the Plan. No other or further notice is or will be required with respect to the PlanSupplement. Subject to the terms of the Plan and the Lock-Up Agreement, and only consistenttherewith, the Debtors reserve the right to alter, amend, update, or modify the Plan Supplementand any of the documents contained therein or related thereto, in accordance with the Plan, on orbefore the Effective Date.I. Modifications to the Plan.10. Pursuant to section 1127 of the Bankruptcy Code, the modifications to thePlan described or set forth in this Combined Order constitute technical or clarifying changes,changes with respect to particular Claims by agreement with holders of such Claims, ormodifications that do not otherwise materially and adversely affect or change the treatment of anyother Claim or Interest under the Plan. These modifications are consistent with the disclosurespreviously made pursuant to the Disclosure Statement and Solicitation Materials, and notice ofthese modifications was adequate and appropriate under the facts and circumstances of the Chapter11 Cases. In accordance with Bankruptcy Rule 3019, these modifications do not require additionaldisclosure under section 1125 of the Bankruptcy Code or the resolicitation of votes under section1126 of the Bankruptcy Code, and they do not require that holders of Claims or Interests beafforded an opportunity to change previously cast acceptances or rejections of the Plan.Accordingly, the Plan is properly before this Court and all votes cast with respect to the Plan priorto such modification shall be binding and shall apply with respect to the Plan.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Filieledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 8 9 o of f1 133459J. Objections Overruled.11. Any resolution or disposition of objections to Confirmation explained orotherwise ruled upon by the Court on the record at the Confirmation Hearing is herebyincorporated by reference. All unresolved objections, statements, joinders, informal objections,and reservations of rights are hereby overruled on the merits.K. Burden of Proof.12. The Debtors, as proponents of the Plan, have met their burden of provingthe elements of sections 1129(a) and 1129(b) of the Bankruptcy Code by a preponderance of theevidence, the applicable evidentiary standard for Confirmation. Further, the Debtors have proventhe elements of sections 1129(a) and 1129(b) by clear and convincing evidence. Each witness whotestified on behalf of the Debtors in connection with the Confirmation Hearing was credible,reliable, and qualified to testify as to the topics addressed in his testimony.L. Compliance with the Requirements of Section 1129 of the BankruptcyCode.13. The Plan complies with all applicable provisions of section 1129 of theBankruptcy Code as follows:a. Section 1129(a)(1) – Compliance of the Plan with Applicable Provisions of theBankruptcy Code.14. The Plan complies with all applicable provisions of the Bankruptcy Code,including sections 1122 and 1123, as required by section 1129(a)(1) of the Bankruptcy Code.i. Section 1122 and 1123(a)(1) – Proper Classification.15. The classification of Claims and Interests under the Plan is proper under theBankruptcy Code. In accordance with sections 1122(a) and 1123(a)(1) of the Bankruptcy Code,Article III of the Plan provides for the separate classification of Claims and Interests at each Debtorinto Classes, based on differences in the legal nature or priority of such Claims and Interests (otherCaCsaes e2 42-49-09507557 5 D oDcoucmumenetn 2t 9266-32 FFiilleedd iinn TTXXSSBB oonn 1021//3113//2245 PPaaggee 91 0o fo 1f 3143510than Administrative Claims, Professional Fee Claims, and Priority Tax Claims, which areaddressed in Article II of the Plan and Unimpaired, and are not required to be designated asseparate Classes in accordance with section 1123(a)(1) of the Bankruptcy Code). Valid business,factual, and legal reasons exist for the separate classification of the various Classes of Claims andInterests created under the Plan, the classifications were not implemented for any improperpurpose, and the creation of such Classes does not unfairly discriminate between or among holdersof Claims or Interests.16. In accordance with section 1122(a) of the Bankruptcy Code, each Class ofClaims or Interests contains only Claims or Interests substantially similar to the other Claims orInterests within that Class. Accordingly, the Plan satisfies the requirements of sections 1122(a),1122(b), and 1123(a)(1) of the Bankruptcy Codeii. Section 1123(a)(2) – Specifications of Unimpaired Classes.17. Article III of the Plan specifies that Claims and Interests in the classesdeemed to accept the Plan are Unimpaired under the Plan. Holders of Intercompany Claims andIntercompany Interests are either Unimpaired and conclusively presumed to have accepted thePlan, or are Impaired and deemed to reject (the “Deemed Rejecting Classes”) the Plan, and, ineither event, are not entitled to vote to accept or reject the Plan. In addition, Article II of the Planspecifies that Administrative Claims and Priority Tax Claims are Unimpaired, although the Plandoes not classify these Claims. Accordingly, the Plan satisfies the requirements of section1123(a)(2) of the Bankruptcy Code.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 101 o of f1 1334511iii. Section 1123(a)(3) – Specification of Treatment of Voting Classes18. Article III.B of the Plan specifies the treatment of each Voting Class underthe Plan – namely, Class 3 and Class 5. Accordingly, the Plan satisfies the requirements of section1123(a)(3) of the Bankruptcy Code.iv. Section 1123(a)(4) – No Discrimination.19. Article III of the Plan provides the same treatment to each Claim or Interestin any particular Class, as the case may be, unless the holder of a particular Claim or Interest hasagreed to a less favorable treatment with respect to such Claim or Interest. Accordingly, the Plansatisfies the requirements of section 1123(a)(4) of the Bankruptcy Code.v. Section 1123(a)(5) – Adequate Means for Plan Implementation.20. The Plan and the various documents included in the Plan Supplementprovide adequate and proper means for the Plan's execution and implementation, including: (a)the general settlement of Claims and Interests; (b) the restructuring of the Debtors' balance sheetand other financial transactions provided for by the Plan; (c) the consummation of the transactionscontemplated by the Plan, the Lock-Up Agreement, the Restructuring Implementation Deed andthe Agreed Steps Plan and other documents Filed as part of the Plan Supplement; (d) the issuanceof Exchange Notes, the New Money Notes, and the Noteholder Ordinary Shares pursuant to thePlan; (e) the amendment of the Intercreditor Agreement; (f) the amendment of the FacilityAgreement; (g) the amendment of the Senior Secured Term Loan Agreement; (h) theconsummation of the Rights Offering in accordance with the Plan, Rights Offering Documentsand the Lock-Up Agreement; (i) the granting of all Liens and security interests granted orconfirmed (as applicable) pursuant to, or in connection with, the Facility Agreement, the ExchangeNotes Indenture, the New Money Notes Indenture, the amended Intercreditor Agreement and theCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 112 o of f1 1334512Senior Secured Term Loan Agreement pursuant to the New Security Documents (including anyLiens and security interests granted or confirmed (as applicable) on the Reorganized Debtors'assets); (j) the vesting of the assets of the Debtors' Estates in the Reorganized Debtors; (k) theconsummation of the corporate reorganization contemplated by the Plan, the Lock-Up Agreement,the Agreed Steps Plan and the Master Reorganization Agreement (as defined in the RestructuringImplementation Deed); and (l) the execution, delivery, filing, or recording of all contracts,instruments, releases, and other agreements or documents in furtherance of the Plan. Accordingly,the Plan satisfies the requirements of section 1123(a)(5) of the Bankruptcy Codevi. Section 1123(a)(6) – Non-Voting Equity Securities.21. The Company's organizational documents in accordance with the SwedishCompanies Act, Ch. 4, Sec 5 and the Plan prohibit the issuance of non-voting securities as of theEffective Date to the extent required to comply with section 1123(a)(6) of the Bankruptcy Code.Accordingly, the Plan satisfies the requirements of section 1123(a)(6) of the Bankruptcy Code.vii. Section 1123(a)(7) – Directors, Officers, and Trustees.22. The manner of selection of any officer, director, or trustee (or any successorto and such officer, director, or trustee) of the Reorganized Debtors will be determined inaccordance with the existing organizational documents, which is consistent with the interests ofcreditors and equity holders and with public policy. Accordingly, the Plan satisfies therequirements of section 1123(a)(7) of the Bankruptcy Code.b. Section 1123(b) – Discretionary Contents of the Plan23. The Plan contains various provisions that may be construed as discretionarybut not necessary for Confirmation under the Bankruptcy Code. Any such discretionary provisionCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 123 o of f1 1334513complies with section 1123(b) of the Bankruptcy Code and is not inconsistent with the applicableprovisions of the Bankruptcy Code. Thus, the Plan satisfies section 1123(b).i. Section 1123(b)(1) – Impairment/Unimpairment of Any Class of Claims orInterests24. Article III of the Plan impairs or leaves unimpaired, as the case may be,each Class of Claims or Interests, as contemplated by section 1123(b)(1) of the Bankruptcy Code.ii. Section 1123(b)(2) – Assumption and Rejection of Executory Contracts andUnexpired Leases25. Article V of the Plan provides for the assumption of the Debtors' ExecutoryContracts and Unexpired Leases as of the Effective Date unless such Executory Contract orUnexpired Lease: (a) is identified on the Rejected Executory Contract and Unexpired Lease List;(b) has been previously rejected by a Final Order; (c) is the subject of a motion to reject ExecutoryContracts or Unexpired Leases that is pending on the Confirmation Date; or (4) is subject to amotion to reject an Executory Contract or Unexpired Lease pursuant to which the requestedeffective date of such rejection is after the Effective Date. Thus, the Plan satisfies section1123(b)(2).iii. Compromise and Settlement26. In accordance with section 1123(b)(3)(A) of the Bankruptcy Code andBankruptcy Rule 9019, and in consideration for the distributions and other benefits provided underthe Plan, the provisions of the Plan constitute a good-faith compromise of all Claims, Interests,and controversies relating to the contractual, legal, and subordination rights that all holders ofClaims or Interests may have with respect to any Allowed Claim or Interest or any distribution tobe made on account of such Allowed Claim or Interest. Such compromise and settlement is theproduct of extensive arm's-length, good faith negotiations that, in addition to the Plan, resulted inCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 134 o of f1 1334514the execution of the Lock-Up Agreement, which represents a fair and reasonable compromise ofall Claims, Interests, and controversies and entry into which represented a sound exercise of theDebtors' business judgment. Such compromise and settlement is fair, equitable, and reasonableand in the best interests of the Debtors and their Estates.27. The releases of the Debtors' directors and officers are an integral componentof the settlements and compromises embodied in the Plan. The Debtors' directors and officers: (a)made a substantial and valuable contribution to the Debtors' restructuring, including extensive preandpost-Petition Date negotiations with stakeholder groups, and ensured the uninterruptedoperation of the Debtors' businesses during the Chapter 11 Cases; (b) invested significant timeand effort to make the restructuring a success and maximize the value of the Debtors' businessesin a challenging operating environment; (c) attended and, in certain instances, testified atdepositions and Court hearings; (d) attended and participated in numerous stakeholder meetings,management meetings, and board meetings related to the restructuring; (e) are entitled toindemnification from the Debtors under applicable non-bankruptcy law, organizationaldocuments, and agreements; (f) invested significant time and effort in the preparation of the Lock-Up Agreement, the Plan, Disclosure Statement, all supporting analyses, and the numerous otherpleadings Filed in the Chapter 11 Cases, thereby ensuring the smooth administration of the Chapter11 Cases; and (g) are entitled to all other benefits under any employment contracts existing as ofthe Petition Date. Litigation by the Debtors or other Releasing Parties against the Debtors'directors and officers would be a distraction to the Debtors' business and restructuring and woulddecrease rather than increase the value of the estates. The releases of the Debtors' directors andofficers contained in the Plan have the consent of the Debtors and the Releasing Parties and are inthe best interests of the estates.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 145 o of f1 1334515iv. Debtor Release28. The releases of claims and Causes of Action by the Debtors, ReorganizedDebtors, and their Estates described in Article VIII.C of the Plan in accordance with section1123(b) of the Bankruptcy Code (the “Debtor Release”) represent a valid exercise of the Debtors'business judgment under Bankruptcy Rule 9019. The Debtors' or the Reorganized Debtors' pursuitof any such claims against the Released Parties is not in the best interests of the Estates' variousconstituencies because the costs involved would outweigh any potential benefit from pursuingsuch claims. The Debtor Release is fair and equitable and complies with the absolute priority rule.29. The Debtor Release is (a) an integral part of the Plan, and a component ofthe comprehensive settlement implemented under the Plan; (b) in exchange for the good andvaluable consideration provided by the Released Parties; (c) a good faith settlement andcompromise of the claims and Causes of Action released by the Debtor Release; (d) materiallybeneficial to, and in the best interests of, the Debtors, their Estates, and their stakeholders, and isimportant to the overall objectives of the Plan to finally resolve certain Claims among or againstcertain parties in interest in the Chapter 11 Cases; (e) fair, equitable, and reasonable; (f) given andmade after due notice and opportunity for hearing; and (g) a bar to any Debtor asserting any claimor Cause of Action released by the Debtor Release against any of the Released Parties. Theprobability of success in litigation with respect to the released claims and Causes of Action, whenweighed against the costs, supports the Debtor Release. With respect to each of these potentialCauses of Action, the parties could assert colorable defenses and the probability of success isuncertain. The Debtors' or the Reorganized Debtors' pursuit of any such claims or Causes ofAction against the Released Parties is not in the best interests of the Estates or the Debtors' variousCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 156 o of f1 1334516constituencies because the costs involved would likely outweigh any potential benefit frompursuing such claims or Causes of Action30. Holders of Claims and Interests entitled to vote have overwhelmingly votedin favor of the Plan, including the Debtor Release. The Plan, including the Debtor Release, wasnegotiated before and after the Petition Date by sophisticated parties represented by able counseland advisors, including the Consenting Creditors. The Debtor Release is therefore the result of ahard fought and arm's-length negotiation process conducted in good faith.31. The Debtor Release appropriately offers protection to parties thatparticipated in the Debtors' restructuring process, including the Consenting Creditors, whoseparticipation in the Chapter 11 Cases is critical to the Debtors' successful emergence frombankruptcy. Specifically, the Released Parties, including the Consenting Creditors, madesignificant concessions and contributions to the Chapter 11 Cases, including, entering into theLock-Up Agreement and related agreements, supporting the Plan and the Chapter 11 Cases, andwaiving or agreeing to impair substantial rights and Claims against the Debtors under the Plan (aspart of the compromises composing the settlement underlying the revised Plan) in order tofacilitate a consensual reorganization and the Debtors' emergence from chapter 11. The DebtorRelease for the Debtors' directors and officers is appropriate because the Debtors' directors andofficers share an identity of interest with the Debtors and, as previously stated, supported and madesubstantial contributions to the success of the Plan, the Chapter 11 Cases, and operation of theDebtors' business during the Chapter 11 Cases, actively participated in meetings, negotiations, andimplementation during the Chapter 11 Cases, and have provided other valuable consideration tothe Debtors to facilitate the Debtors' successful reorganization and continued operation.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 167 o of f1 133451732. The scope of the Debtor Release is appropriately tailored under the factsand circumstances of the Chapter 11 Cases. In light of, among other things, the value provided bythe Released Parties to the Debtors' Estates and the critical nature of the Debtor Release to thePlan, the Debtor Release is appropriate.v. Release by Holders of Claims and Interests33. The release by the Releasing Parties (the “Third-Party Release”), set forthin Article VIII.D of the Plan, is an essential provision of the Plan. The Third-Party Release is: (a)consensual as to those Releasing Parties that did not specifically and timely object or properly optout from the Third-Party Release; (b) within the jurisdiction of the Bankruptcy Court pursuant to28 U.S.C. § 1334; (c) in exchange for the good and valuable consideration provided by theReleased Parties; (d) a good faith settlement and compromise of the claims and Causes of Actionreleased by the Third-Party Release; (e) materially beneficial to, and in the best interests of, theDebtors, their Estates, and their stakeholders, and is important to the overall objectives of the Planto finally resolve certain Claims among or against certain parties in interest in the Chapter 11Cases; (f) fair, equitable, and reasonable; (g) given and made after due notice and opportunity forhearing; (h) appropriately narrow in scope given that it expressly excludes, among other things,any Cause of Action that is judicially determined by a Final Order to have constituted actual fraud,willful misconduct, or gross negligence; (i) a bar to any of the Releasing Parties asserting anyclaim or Cause of Action released by the Third-Party Release against any of the Released Parties;and (j) consistent with sections 105, 524, 1123, 1129, and 1141 and other applicable provisions ofthe Bankruptcy Code.34. The Third-Party Release is an integral part of the agreement embodied inthe Plan among the relevant parties in interest. Like the Debtor Release, the Third-Party ReleaseCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 178 o of f1 1334518facilitated participation in both the Debtors' Plan and the chapter 11 process generally. The Third-Party Release is instrumental to the Plan and was critical in incentivizing parties to support thePlan and preventing significant and time-consuming litigation regarding the parties' respectiverights and interests. The Third-Party Release was a core negotiation point in connection with thePlan and instrumental in developing the Plan that maximized value for all of the Debtors'stakeholders and kept the Debtors intact as a going concern. As such, the Third-Party Releaseappropriately offers certain protections to parties who constructively participated in the Debtors'restructuring process—including the Consenting Creditors (as set forth above)—by, among otherthings, facilitating the negotiation and consummation of the Plan, supporting the Plan and, in thecase of the Backstop Providers, committing to provide new capital to facilitate the Debtors'emergence from chapter 11. Specifically, the Notes Ad Hoc Group proposed and negotiated thepari passu transaction that is the basis of the restructuring proposed under the Plan and provideda much-needed deleveraging to the Debtors' business while taking a discount on their Claims (inexchange for other consideration).35. Furthermore, the Third-Party Release is consensual as to all parties ininterest, including all Releasing Parties, and such parties in interest were provided notice of thechapter 11 proceedings, the Plan, the deadline to object to confirmation of the Plan, and theCombined Hearing and were properly informed that all holders of Claims against or Interests inthe Debtors that did not file an objection with the Court in the Chapter 11 Cases that included anexpress objection to the inclusion of such holder as a Releasing Party under the provisionscontained in Article VIII of the Plan would be deemed to have expressly, unconditionally,generally, individually, and collectively consented to the release and discharge of all claims andCauses of Action against the Debtors and the Released Parties. Additionally, the release provisionsCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 189 o of f1 1334519of the Plan were conspicuous, emphasized with boldface type in the Plan, the DisclosureStatement, the Ballots, and the applicable notices. Except as set forth in the Plan, all ReleasingParties were properly informed that unless they (a) checked the “opt out” box on the applicableBallot or opt-out form and returned the same in advance of the Voting Deadline, as applicable, or(b) timely Filed an objection to the releases contained in the Plan that was not resolved beforeentry of this Confirmation Order, they would be deemed to have expressly consented to the releaseof all Claims and Causes of Action against the Released Parties.36. The Ballots sent to all holders of Claims and Interests entitled to vote, aswell as the notice of the Combined Hearing sent to all known parties in interest (including thosenot entitled to vote on the Plan), unambiguously provided in bold letters that the Third-PartyRelease was contained in the Plan.37. The scope of the Third-Party Release is appropriately tailored under thefacts and circumstances of the Chapter 11 Cases, and parties in interest received due and adequatenotice of the Third-Party Release. Among other things, the Plan provides appropriate and specificdisclosure with respect to the claims and Causes of Action that are subject to the Third-PartyRelease, and no other disclosure is necessary. The Debtors, as evidenced by the VotingDeclaration and Certificate of Publication, including by providing actual notice to all knownparties in interest, including all known holders of Claims against, and Interests in, any Debtor andpublishing notice in international and national publications for the benefit of unknown parties ininterest, provided sufficient notice of the Third-Party Release, and no further or other notice isnecessary. The Third-Party Release is designed to provide finality for the Debtors, theReorganized Debtors and the Released Parties regarding the parties' respective obligations underthe Plan. For the avoidance of doubt, and notwithstanding anything to the contrary, anyparty who timely opted-out of the Third-Party Release is not bound by the Third-PartyRelease.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 1 290 o of f1 133452038. The Third-Party Release is specific in language, integral to the Plan, andgiven for substantial consideration. The Releasing Parties were given due and adequate notice ofthe Third-Party Release, and thus the Third-Party Release is consensual under controllingprecedent as to those Releasing Parties that did not specifically and timely object. In light of,among other things, the value provided by the Released Parties to the Debtors' Estates and theconsensual and critical nature of the Third-Party Release to the Plan, the Third-Party Release isappropriatevi. Exculpation.39. The exculpation described in Article VIII.E of the Plan (the “Exculpation”)is appropriate under applicable law, including In re Highland Capital Mgmt., L.P., 48 F. 4th 419(5th Cir. 2022), because it was supported by proper evidence, proposed in good faith, wasformulated following extensive good-faith, arm's-length negotiations with key constituents, and isappropriately limited in scope.40. No Entity or Person may commence or continue any action, employ anyprocess, or take any other act to pursue, collect, recover or offset any Claim, Interest, debt,obligation, or Cause of Action relating or reasonably likely to relate to any act or commission inconnection with, relating to, or arising out of a Covered Matter (including one that alleges theactual fraud, gross negligence, or willful misconduct of a Covered Entity), unless expresslyauthorized by the Bankruptcy Court after (1) it determines, after a notice and a hearing, such Claim,Interest, debt, obligation, or Cause of Action is colorable and (2) it specifically authorizes suchEntity or Person to bring such Claim or Cause of Action. The Bankruptcy Court shall have soleand exclusive jurisdiction to determine whether any such Claim, Interest, debt, obligation or Causeof Action is colorable and, only to the extent legally permissible and as provided for in Article XI,CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 201 o of f1 1334521shall have jurisdiction to adjudicate such underlying colorable Claim, Interest, debt, obligation, orCause of Action.vii. Injunction.41. The injunction provisions set forth in Article VIII.F of the Plan are essentialto the Plan and are necessary to implement the Plan and to preserve and enforce the discharge,Debtor Release, the Third-Party Release, and the Exculpation provisions in Article VIII of thePlan. The injunction provisions are appropriately tailored to achieve those purposes.viii. Preservation of Claims and Causes of Action.42. Article IV.L of the Plan appropriately provides for the preservation by theDebtors of certain Causes of Action in accordance with section 1123(b) of the Bankruptcy Code.Causes of Action not released by the Debtors or exculpated under the Plan will be retained by theReorganized Debtors as provided by the Plan. The Plan is sufficiently specific with respect to theCauses of Action to be retained by the Debtors, and the Plan and Plan Supplement providemeaningful disclosure with respect to the potential Causes of Action that the Debtors may retain,and all parties in interest received adequate notice with respect to such retained Causes of Action.The provisions regarding Causes of Action in the Plan are appropriate and in the best interests ofthe Debtors, their respective Estates, and holders of Claims or Interests. For the avoidance of anydoubt, Causes of Action released or exculpated under the Plan will not be retained by theReorganized Debtors.c. Section 1123(d) – Cure of Defaults43. Article V.D of the Plan provides for the satisfaction of Cure Claimsassociated with each Executory Contract and Unexpired Lease to be assumed in accordance withsection 365(b)(1) of the Bankruptcy Code. Any monetary defaults under each assumed ExecutoryCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 212 o of f1 1334522Contract or Unexpired Lease shall be satisfied, pursuant to section 365(b)(1) of the BankruptcyCode, by payment of the default amount in Cash on the Effective Date, subject to the limitationsdescribed in Article V.D of the Plan, or on such other terms as the parties to such ExecutoryContracts or Unexpired Leases may otherwise agree. Any Disputed Cure Amounts will bedetermined in accordance with the procedures set forth in Article V.D of the Plan, and applicablebankruptcy and nonbankruptcy law. As such, the Plan provides that the Debtors will Cure, orprovide adequate assurance that the Debtors will promptly Cure, defaults with respect to assumedExecutory Contracts and Unexpired Leases in accordance with section 365(b)(1) of theBankruptcy Code. Thus, the Plan complies with section 1123(d) of the Bankruptcy Code.d. Section 1129(a)(2) – Compliance of the Debtors and Others with the ApplicableProvisions of the Bankruptcy Code.44. The Debtors, as proponents of the Plan, have complied with all applicableprovisions of the Bankruptcy Code as required by section 1129(a)(2) of the Bankruptcy Code,including sections 1122, 1123, 1124, 1125, 1126, and 1128, and Bankruptcy Rules 3017, 3018,and 3019.e. Section 1129(a)(3) – Proposal of Plan in Good Faith.45. The Debtors have proposed the Plan in good faith, in accordance with theBankruptcy Code requirements, and not by any means forbidden by law. In determining that thePlan has been proposed in good faith, the Court has examined the totality of the circumstancesfiling of the Chapter 11 Cases, including the formation of Intrum AB of Texas LLC (“IntrumTexas”), the Plan itself, and the process leading to its formulation. The Debtors' good faith isevident from the facts and record of the Chapter 11 Cases, the Disclosure Statement, and the recordof the Combined Hearing and other proceedings held in the Chapter 11 CasesCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 223 o of f1 133452346. The Plan (including the Plan Supplement and all other documents necessaryto effectuate the Plan) is the product of good faith, arm's-length negotiations by and among theDebtors, the Debtors' directors and officers and the Debtors' key stakeholders, including theConsenting Creditors and each of their respective professionals. The Plan itself and the processleading to its formulation provide independent evidence of the Debtors' and such other parties'good faith, serve the public interest, and assure fair treatment of holders of Claims or Interests.Consistent with the overriding purpose of chapter 11, the Debtors Filed the Chapter 11 Cases withthe belief that the Debtors were in need of reorganization and the Plan was negotiated and proposedwith the intention of accomplishing a successful reorganization and maximizing stakeholder value,and for no ulterior purpose. Accordingly, the requirements of section 1129(a)(3) of the BankruptcyCode are satisfied.f. Section 1129(a)(4) – Court Approval of Certain Payments as Reasonable.47. Any payment made or to be made by the Debtors, or by a person issuingsecurities or acquiring property under the Plan, for services or costs and expenses in connectionwith the Chapter 11 Cases, or in connection with the Plan and incident to the Chapter 11 Cases,has been approved by, or is subject to the approval of, the Court as reasonable. Accordingly, thePlan satisfies the requirements of section 1129(a)(4).g. Section 1129(a)(5)—Disclosure of Directors and Officers and Consistency with theInterests of Creditors and Public Policy.48. The identities of or process for appointment of the Reorganized Debtors'directors and officers proposed to serve after the Effective Date were disclosed in the PlanSupplement in advance of the Combined Hearing. Accordingly, the Debtors have satisfied therequirements of section 1129(a)(5) of the Bankruptcy Code.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 234 o of f1 1334524h. Section 1129(a)(6)—Rate Changes.49. The Plan does not contain any rate changes subject to the jurisdiction of anygovernmental regulatory commission and therefore will not require governmental regulatoryapproval. Therefore, section 1129(a)(6) of the Bankruptcy Code does not apply to the Plan.i. Section 1129(a)(7)—Best Interests of Holders of Claims and Interests.50. The liquidation analysis attached as Exhibit D to the Disclosure Statementand the other evidence in support of the Plan that was proffered or adduced at the CombinedHearing, and the facts and circumstances of the Chapter 11 Cases are (a) reasonable, persuasive,credible, and accurate as of the dates such analysis or evidence was prepared, presented orproffered; (b) utilize reasonable and appropriate methodologies and assumptions; (c) have not beencontroverted by other evidence; and (d) establish that each holder of Allowed Claims or Interestsin each Class will recover as much or more value under the Plan on account of such Claim orInterest, as of the Effective Date, than the amount such holder would receive if the Debtors wereliquidated on the Effective Date under chapter 7 of the Bankruptcy Code or has accepted the Plan.As a result, the Debtors have demonstrated that the Plan is in the best interests of their creditorsand equity holders and the requirements of section 1129(a)(7) of the Bankruptcy Code are satisfied.j. Section 1129(a)(8)—Conclusive Presumption of Acceptance by UnimpairedClasses; Acceptance of the Plan by Certain Voting Classes.51. The classes deemed to accept the Plan are Unimpaired under the Plan andare deemed to have accepted the Plan pursuant to section 1126(f) of the Bankruptcy Code. EachVoting Class voted to accept the Plan. For the avoidance of doubt, however, even if section1129(a)(8) has not been satisfied with respect to all of the Debtors, the Plan is confirmable becausethe Plan does not discriminate unfairly and is fair and equitable with respect to the Voting Classesand thus satisfies section 1129(b) of the Bankruptcy Code with respect to such Classes as describedCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 245 o of f1 1334525further below. As a result, the requirements of section 1129(b) of the Bankruptcy Code are alsosatisfied.k. Section 1129(a)(9)—Treatment of Claims Entitled to Priority Pursuant to Section507(a) of the Bankruptcy Code.52. The treatment of Administrative Claims, Professional Fee Claims, andPriority Tax Claims under Article II of the Plan satisfies the requirements of, and complies in allrespects with, section 1129(a)(9) of the Bankruptcy Code.l. Section 1129(a)(10)—Acceptance by at Least One Voting Class.53. As set forth in the Voting Declaration, all Voting Classes overwhelminglyvoted to accept the Plan. As such, there is at least one Voting Class that has accepted the Plan,determined without including any acceptance of the Plan by any insider (as defined by theBankruptcy Code), for each Debtor. Accordingly, the requirements of section 1129(a)(10) of theBankruptcy Code are satisfied.m. Section 1129(a)(11)—Feasibility of the Plan.54. The Plan satisfies section 1129(a)(11) of the Bankruptcy Code. Thefinancial projections attached to the Disclosure Statement as Exhibit D and the other evidencesupporting the Plan proffered or adduced by the Debtors at or before the Combined Hearing: (a)is reasonable, persuasive, credible, and accurate as of the dates such evidence was prepared,presented, or proffered; (b) utilize reasonable and appropriate methodologies and assumptions; (c)has not been controverted by other persuasive evidence; (d) establishes that the Plan is feasibleand Confirmation of the Plan is not likely to be followed by liquidation or the need for furtherfinancial reorganization; (e) establishes that the Debtors will have sufficient funds available tomeet their obligations under the Plan and in the ordinary course of business—including sufficientamounts of Cash to reasonably ensure payment of Allowed Claims that will receive CashCCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 256 o of f1 1334526distributions pursuant to the terms of the Plan and other Cash payments required under the Plan;and (f) establishes that the Debtors or the Reorganized Debtors, as applicable, will have thefinancial wherewithal to pay any Claims that accrue, become payable, or are allowed by FinalOrder following the Effective Date. Accordingly, the Plan satisfies the requirements of section1129(a)(11) of the Bankruptcy Code.n. Section 1129(a)(12)—Payment of Statutory Fees.55. Article XII.C of the Plan provides that all fees payable pursuant to section1930(a) of the Judicial Code, as determined by the Court at the Confirmation Hearing inaccordance with section 1128 of the Bankruptcy Code, will be paid by each of the applicableReorganized Debtors for each quarter (including any fraction of a quarter) until the Chapter 11Cases are converted, dismissed, or closed, whichever occurs first. Accordingly, the Plan satisfiesthe requirements of section 1129(a)(12) of the Bankruptcy Code.o. Section 1129(a)(13)—Retiree Benefits.56. Pursuant to section 1129(a)(13) of the Bankruptcy Code, and as provided inArticle IV.K of the Plan, the Reorganized Debtors will continue to pay all obligations on accountof retiree benefits (as such term is used in section 1114 of the Bankruptcy Code) on and after theEffective Date in accordance with applicable law. As a result, the requirements of section1129(a)(13) of the Bankruptcy Code are satisfied.p. Sections 1129(a)(14), (15), and (16)—Domestic Support Obligations, Individuals,and Nonprofit Corporations.57. The Debtors do not owe any domestic support obligations, are notindividuals, and are not nonprofit corporations. Therefore, sections 1129(a)(14), 1129(a)(15), and1129(a)(16) of the Bankruptcy Code do not apply to the Chapter 11 Cases.CCaassee 2 244-9-900557755 D Dooccuummeennt t2 29663-2 F Fileiledd i nin T TXXSSBB o onn 1 021/3/113/2/245 P Paaggee 2 267 o of f1 1334527q. Section 1129(b)—Confirmation of the Plan Over Nonacceptance of VotingClasses.58. No Classes rejected the Plan, and section 1129(b) is not applicable here,but even if it were, the Plan may be confirmed pursuant to section 1129(b)(1) of the BankruptcyCode because the Plan is fair and equitable with respect to the Deemed Rejecting Classes. ThePlan has been proposed in good faith, is reasonable, and meets the requirements and all VotingClasses have voted to accept the Plan. The treatment of Intercompany Claims and IntercompanyInterests under the Plan provides for administrative convenience does not constitute a distributionunder the Plan on account of suc

John Maytham speaks with Brandan Reynolds, one of South Africa's foremost editorial cartoonists, to discuss his debut book, A Cartoonist’s Story, a compelling collection of his work. Brandon has been the daily cartoonist for Business Day since 2002 and contributes weekly to the Sunday Times. In this interview, he delves into his 30-year career, offering insights into his creative process, the inspiration behind his most iconic cartoons, and the profound impact of his art on South Africa’s political and social landscape.See omnystudio.com/listener for privacy information.

It's Day 9 of the 12 Days of Bizmas, and today, we're diving into AI and using it as an entrepreneur. I'll be honest, I had a moment where I started to fear that AI would make my business redundant. But after sitting with my thoughts, talking with friends, I'm embracing it and starting to streamline my admin systems and find ways to make my business run smoother. Why I thought AI might put me out of business. The turning point: How I shifted from being scared of AI to seeing its potential as a tool. How I'm using AI going forward. Come find me on Instagram or Threads: @⁠⁠⁠⁠⁠⁠⁠fellyday⁠ ⁠⁠⁠⁠⁠⁠or check out the website ⁠⁠⁠⁠⁠⁠⁠fellyday.com⁠.⁠ AI isn't here to take your place—it's here to help you run your business more effeciently. Catch you tomorrow for Day 10 of Bizmas!

Subscribe to out YT - www.youtube.com/@TonyandDakota Instagram - https://loom.ly/o3bixro Facebook - https://loom.ly/NpyMWfM The Ultimate Course on Flipping (and Wholesaling) Houses

This evening we look at market moves with FNB Wealth and Investments, discuss Zando closing its doors with Jumia Technologies and Business Day economist Mudiwa Gavaza, while PSG's CFO joins us to discuss its recent financials, and in our SME of the Week, we speak to Ekurhuleni-based hygiene product brand Freshmo Brands. SAfm Market Update - Podcasts and live stream

Stephen Grootes talks to Edward Kieswetter (SARS Commissioner), Dr. Iraj Abedian (Pan-African Investments CEO), Busisiwe Mavuso (Business Leadership SA CEO), and Gina Schoeman (Citi Bank Economist) in a heartfelt tribute to Tito Mboweni's remarkable legacy.  In other interviews on this episode of The Money Show, Executive Director at Just Share, Tracey Davies, talks about the hidden costs of secret electricity deals and their devastating impact on South African consumers.   Interviews:  A Statesman's Legacy: Remembering Tito Mboweni  Stephen Grootes talks to Edward Kieswetter (SARS Commissioner), Dr. Iraj Abedian (Pan-African Investments CEO), Busisiwe Mavuso (Business Leadership SA CEO), and Gina Schoeman (Citi Bank Economist) in a heartfelt tribute to Tito Mboweni's remarkable legacy.   Market Commentary - Old Mutual Investment Group Arthur Karas,portfolio manager at MacroSolutions at Old Mutual Investment joins Stephe Grootes to analyse the biggest stories on the markets.   Unlocking Potential: Colin Coleman's Vision for Youth Empowerment Stephen Grootes speaks to Colin Coleman, Distinguished fellow at Insead, former publicity secretary of Nusas and a former Goldman Sachs partner on shaping South Africa's future through youth development.   Saru's strategy to market the Springboks Stephen Grootes talks to Kabelo Khumalo, Business Day's Companies & Markets Editor, about SARU's bold plan to reinvigorate the Springboks' brand and captivate rugby fans. How secret electricity deals harm domestic consumers   Stephen Grootes speaks to Tracey Davies, Executive Director at Just Share, about the hidden costs of secret electricity deals and their devastating impact on South African consumers. Business Book Review - Broken Money: Why Our Financial System is Failing Us and How We Can Make it Better by Lyn Alden  Stephen Grootes speaks to Bronwyn Williams, Flux Trends Partner, about her review of Broken Money: Why Our Financial System is Failing Us and How We Can Make it Better by Lyn Alden the book, and its startling insights on the financial system. My Money -    Zola Nene, Chef Cookbook Author / TV Personality  Stephen Grootes talks to Zola Nene, renowned chef and author, about the flavors and milestones that have defined her remarkable career.See omnystudio.com/listener for privacy information.

Stephen Grootes talks to Kabelo Khumalo, Business Day's Companies & Markets Editor, about SARU's bold plan to reinvigorate the Springboks' brand and captivate rugby fans.See omnystudio.com/listener for privacy information.

Stephen Grootes speaks with Kabelo Khumalo, Companies and Markets Editor at Business Day, about the crisis of confidence in the lottery licensing process amid conflict of interest claims.See omnystudio.com/listener for privacy information.

Kiwis are increasingly moving to private healthcare and it is costing health insurance companies. Southern Cross Health Insurance paid out close to $1.5 billion in claims in the last year – equal to $6 million every business day. 2024 results from Southern Cross show the number of claims made is up with 995,000 kiwis now on the books. Southern Cross Health Society Group CEO Nick Astwick tells Heather du Plessis-Allan kiwis are concerned about access to quality healthcare. In a normal year, the insurer finds one third of its members make a claim, but in 2024 nearly half did. LISTEN ABOVESee omnystudio.com/listener for privacy information.

Thank you to our special guest Cabri Carpenter for joining us for this entire week of podcast epsiodes! Today the discussion dives into handling panic moments within the business, setting up pricing strategies, and creating systems to sustain through unexpected situations. We also explore the power of community, the essential tools and courses, and the importance of promoting niche services in your pro organizing business! LINKS FOR LISTENERS Check out Pro Organizer Studio: www.proorganizerstudio.com Connect with Melissa: hello@proorganizerstudio.com Learn more about Cabri: www.minimizethenorganize.com  

In this episode of the Business Day Spotlight podcast, Business Day deputy editor Tiisetso Motsoeneng is in conversation with CEO of Sasol, Simon Baloyi. The newly appointed CEO is preparing to jack up the amount of money the energy giant spends towards its future, saying R1bn annual spending simply won't cut it in a world increasingly shunning fossil fuels. Business Day Spotlight is a TimesLIVE production. Producer is Demi Buzo.

Do you find yourself craving more (or less) structure in your day? Do you prefer to work in your cozy, colour-coordinated home office? Or do you LOVE experimenting with new environments during the workday? Knowing how you work best can help you tap into more easeful productivity. Your Human Design arrows provide deep insight into the way that you engage with the world around you, and can help you build a blueprint for your most joyous and creative business day!  Looking at your Human Design arrows (also known as “Variables” or “the Four Transformations”) and the directions they face will help you better understand how you digest information, which environments you thrive in, and your most aligned approach to creating routines and setting goals.This week's episode of Soul Guide Radio explores how following your Human Design arrows will fill each and every business day with more joy, creativity, and ease. Tune in to learn how to optimize your day in a way that recognizes and honours your unique energetic needs!Start unlocking your spiritual gifts. Listen now to discover: The two Human Design arrows that can help you set up YOUR perfect business dayHow to understand your specific arrows individually and togetherAn invitation that will have you making simple tweaks to your environment and daily routine that will result in a huge upgrade to your quality of life!Timestamps:00:01  Intro03:51  Human Design arrows08:13  Old paradigm v. new paradigm09:28  Arrows for setting up your workday11:44  Digestion arrow14:19  Environment arrow16:18  Digestion + Environment19:51  How I do it24:40  Taking it to the next level26:12  Invitation & conclusionLinks:Run Your Free Human Design Chart HERE using Jovian ArchivesGet Your Free Human Design Chart HERE using Genetic MatrixSoul Guide Radio #118: Finding the Harmony in Your Push-Pull Energyhttps://allysonscammell.com/finding-the-harmony-in-your-push-pull-energy Soul Guide Radio #73: Soul-Guided Planning Part 1https://allysonscammell.com/soul-guided-planning-part-1 Soul Guide Radio #74: Soul-Guided Planning Part 2https://allysonscammell.com/soul-guided-planning-part-2Soul Guide Radio #123: Manifest Your Dreams & Learn New Insights at Lightning Speed by Following Your Human Design ArrowsStay connected: Soul Guide Circle: JOIN the Soul Guide Circle closed Facebook Group Facebook: FOLLOW on Facebook Instagram: FOLLOW on Instagram Ready to grow a prosperous soul-guided business? BOOK a free Intuitive Consult — We LOVE Listener Reviews, and we read them on the air! Leave a REVIEW here Interested in being a guest? SUBMIT an Application Form

Rise Mzansi leader and former Business Day editor Songezo Zibi says the Government of National Unity has seven months to get the country out of the woods. And he tells Peter Bruce in this edition of Podcasts from the Edge that the DA is simply incapable of understanding why its competitors behave the way they do.

Stephen Grootes talks with analyst and shareholder activist Dave Woollan about Tongaat Hulett's shareholders' rejection of a plan to convert the company's debt into equity, which would have drastically reduced their ownership stake.  Hilary Joffe, columnist and editor-at-large at Business Day with Stephen Grootes discuss how South Africa's banking regulator is considering extending the number of "tiers" for commercial banking licenses. And more…See omnystudio.com/listener for privacy information.

Hilary Joffe, columnist and editor-at-large at Business Day with Stephen Grootes discusses how South Africa's banking regulator is considering extending the number of 'tiers' for commercial banking licenses, a move that would facilitate the entry of smaller banks with lower capital requirements.See omnystudio.com/listener for privacy information.

Les parlementaires d'Afrique du Sud doivent désigner ce matin le président du pays au Cap. Un vote précédé cette nuit d'un accord de dernière minute annoncé par l'African National Congress... objectif : former le « GNU », le gouvernement de coalition autour de l'ANC. Lors d'un point presse, le secrétaire général de l'ANC, Fikile Mbalula s'explique sur les raisons des négociations tardives.« Union nationale » : la presse sud-africaine diviséePour The Star, le gouvernement de coalition est une « lueur d'espoir » : le quotidien de Johannesbourg voit le GNU comme « un test grandeur nature de coopération, un exemple de comment différentes entités peuvent mettre de côté leurs différences pour le bien commun et pour améliorer la vie des Sud-Africains ».Le Mail and Guardian appelle lui au « règne de la maturité » : pour le journal de gauche, le GNU apporte un semblant d'équilibre dans un moment incertain de l'histoire de l'Afrique du Sud. Le vœu du M&G, « c'est que ceux qui ont négocié de bonne foi se retrouvent dans le nouveau leadership sudafricain », et que « ceux qui s'entêtent à refuser le dialogue soient mis à l'écart ».Business Day rappelle ainsi que MK le parti dissident de l'ex président Jacob Zuma rejette l'accord d'union nationale, tout comme les EFF du dirigeant populiste Julius Malema. Le média économique partage les prédictions d'analystes pour qui « le GNU ne va pas s'avérer très stable - en raison notamment de possibles désaccords sur la gestion des finances du pays et notamment le poids de la fonction publique ». Un GNU jugé « improbable » car il regroupe « trois vieux partis, l'ANC, l'Alliance démocratique et le Parti Inkatha de la liberté qui ne se sont jamais appréciés ».RDC : le gouvernement de Judith Suminwa confronté aux rebelles ADF et M23« Deux grosses épines dans le pied de la Première ministre » d'après La Tempête des Tropiques... le journal de Kinshasa déplore l'aggravation de la situation sécuritaire et la crise humanitaire dans la province du Nord-Kivu ces dernières semaines.Pour le quotidien, les autorités sont « obligées de changer de stratégie » pour y restaurer la paix mais aussi au Sud-Kivu et en Ituri.Actualité.CD sert ainsi de mégaphone à la colère de La Voix des Sans Voix... L'association de défense des droits humains dénonce « la persistance des tueries dans l'Est du pays » malgré la présence des troupes de la SADC [d'Afrique australe] et de la Monusco... Pour la VSV, « la population continue d'être massacrée et de vivre dans des conditions infrahumaines » et ce « trois ans après l'instauration de l'État de siège ».Les derniers massacres commis par les rebelles ADF inquiètent particulièrement. Politico RDC parle de la dernière attaque des rebelles ougandais : plus de 40 morts dans le territoire de Lubero au Nord-Kivu, « alors qu'aucune pression militaire n'est exercée » selon le média en ligne.Le conflit Teke-Yaka, autre source de préoccupation en RDCLe député national Garry Sakata accorde une interview à Actualité CD pour parler de la guerre entre les deux communautés en cours depuis 2022. À l'origine un conflit foncier dans le Mai Ndombe, qui s'étend désormais dans cinq provinces de l'ouest congolais, jusqu'aux limites de Kinshasa. Les affrontements ont provoqué des centaines de morts et le déplacement de dizaines de milliers de villageois dans la région.Pour l'élu du territoire de Bagata, il ne faut pas « de dialogue dans les salles climatisées » de Kinshasa « entre des chefs de villages qui n'ont suivi la situation que par voie de presse […] les papiers signés n'ont pas permis de paix durable, et sur le terrain on ne ressent absolument rien » affirme Garry Sakata, qui demande à la justice militaire « de se déployer avec l'aide de l'État » dans ce conflit afin de poursuivre les auteurs de « crimes contre l'humanité » (au sens du Code pénal militaire congolais).La Cédéao « responsable de l'escalade entre le Bénin et le Niger »AllAfrica, le site d'information panafricain décrète dans un édito « la faillite » de l'organisation de l'Afrique de l'Ouest « en matière de règlements des conflits ». « Une médiation extérieure au continent » est « L'alternative qui semble hélas se dessiner » entre Cotonou et Niamey. « Il faut éviter que les conflits de basse intensité se muent en belligérance au regard des vulnérabilités des pays du continent. Il faut écarter la belligérance économique où l'on essaie de s'étouffer mutuellement. Ce serait catastrophique pour la sécurité des états dans cette zone » juge AllAfrica qui espèrent que « la raison et les vertus du dialogue finiront par s'imposer ».

Olga Leskakova, a marketologist and strategic planner, participated in a project to help resettle Ukrainian refugees in regional Australia, as well as the Business Connect project, which helps business owners in Ukrainian and Russian get free advice. She is now hosting Australia's first Ukrainian Small Business Day in Sydney. - Ольга Лескакова, маркетолог и специалист по стратегическому планиованию, участвовала в проекте помощи по переселению украинских беженцев в региональную Австралию и проекте Business Connect, который помогает владельцам бизнеса на украинском и русском языках получить бесплатные консультации. Теперь она проводит первый в Австралии День украинского малого бизнеса в Сиднее.

The sun will rise after the May 29 election, an ANC/EFF coalition is highly unlikely and there are real signs that some of President Cyril Ramaphosa's reforms are beginning to find traction, economist and analyst Peter Attard Montalto tells Peter Bruce in this edition of Podcasts From the Edge. A big problem on both sides of the election though is the continuing failure of industrial policy to even begin to re-industrialise the economy, Attard Montalto says and repeats the description of ANC industrial policy he used in his Business Day column on Monday. It is he says, "a smouldering radioactive waste pile".

Hilary Joffe, columnist and editor-at-large at Business Day discusses the recent data from Sars and Stats SA offering insights into emigration, spotlighting a growing diaspora of over 900,000 individuals with Motheo Khoaripe. While illuminating, the findings underscore the complexities of migration dynamics and the departure of skilled professionals, prompting critical economic and policy consideration Professor Adrian Saville, Economics and Finance at GIBS, and host Motheo Khoaripe explore China's economic challenges, questioning whether they will disappoint its people and anger the world. This marks China's most significant economic test since Deng Xiaoping's reforms. Despite achieving 5% growth last year, key elements of its economic success are faltering, including a shrinking workforce, a property market crash, and the breakdown of global trade. President Xi Jinping's response involves doubling down on efforts to overhaul China's economy. Kojo Bafoe, an author and aficionado of cigars, along with host Motheo Khoaripe, review the Aganorsa Leaf Cigar. The unique taste of this brand originates from the Nicaraguan Cuban-seed Corojo 99. Aganorsa Leaf cigars are celebrated for their rich and complex flavour profiles, making them a favourite among cigar enthusiasts worldwide. The brand's commitment to using premium ingredients and traditional techniqueSee omnystudio.com/listener for privacy information.

Bronwyn Williams & Ray Hartley | The Small Print In this episode, Bronwyn speaks to Research Director of the Brenthurst Foundation, Ray Hartley. They discuss South Africa's upcoming election, the Bernthurst Foundation's recent polling results, the likelihood of a coalition government, whether will Ramaphosa side with the centrists or the populists, the quick rise of the MK party and the possibility of them merging with the EFF, the DA's electability problem, and more. Bronwyn Williams is a futurist, economist, trend analyst and host of The Small Print. Her day job as a partner at Flux Trends involves helping business leaders to use foresight to design the future they want to live and work in. You may have seen her talking about Transhumanism or Tikok on Carte Blanche, or heard her talking about trends on 702 or CNBC Africa where she is a regular expert commentator. When she's not talking to brands and businesses about the future, you will probably find her curled up somewhere with a (preferably paperback) book. She tweets at @bronwynwilliams. Twitter Flux Trends Website Ray Hartley is an author and the Research Director of the Brenthurst Foundation. Ray has a postgraduate honours degree from Rhodes University where he studied African politics and journalism. Ray was an anti-apartheid activist in the United Democratic Front while serving on the executive of the National Union of South African Students. After a stint as the boxing correspondent of the then Weekly Mail, he joined Business Day and then the Sunday Times. He has edited several prominent South African newspapers and online publications, including the Sunday Times, The Times, Rand Daily Mail and BusinessLIVE. Twitter Book The Brenthurst Foundation Subscribe to our Substack.   Follow us on Social Media: YouTube LinkedIn Facebook Twitter Instagram   Subscribe to the Discourse ZA Podcast: iTunes Stitcher Spotify RSS feed  

Welcome to a special episode that delves into the intersection of business and politics, offering a unique perspective on the significant political landscape of 2024. Join me and my great friend Christian May, former editor of City AM, as we unravel the dynamics where business and politics intertwine, shedding light on aspects often overlooked by the mainstream political media. Having experienced the frustration of business not receiving the coverage it deserves during my time in Downing Street, I felt compelled to create this new series. Our conversations, reminiscent of those shared over drinks at the pub, are now reaching a wider audience. We've always wondered why people aren't listening to us during these discussions, so we decided to turn up the volume and share our insights with you. In this episode, we dive into the recent developments, including Labour's big business day and the Prime Minister's announcement of a new business council, along with initiatives to reboost growth. The week's events provide a captivating backdrop to explore the intricate relationship between business and politics. Join us on this journey as we navigate the fascinating world of helping individuals and businesses understand and navigate government policies. With over a decade of experience in both business and politics, Christian and I reflect on our time at the Institute of Directors, where our journey began back in 2012. Tune in for a compelling discussion that goes beyond the headlines, offering valuable insights into the behind-the-scenes workings of the business and political realms. Welcome to a podcast where business and politics collide, creating a narrative that captures the essence of this pivotal year in politics. Learn more about your ad choices. Visit podcastchoices.com/adchoices

On this episode of the SeventySix Capital Sports Leadership Show, Wayne Kimmel's guest is Contessa Brewer, a Correspondent on CNBC. Brewer is a correspondent and substitute anchor for CNBC appearing throughout Business Day. Her specialty coverage areas are casinos, the gaming industry, and the insurance industry. Brewer joined the network in 2017 and is based at CNBC Global Headquarters. A National Emmy Award-winning journalist, Brewer is known for her marathon on-air coverage of breaking news and big political stories. While an anchor for MSNBC, she hosted daily news programs and the long-running, primetime series “Caught on Camera.” As a correspondent, Brewer has contributed reports to CBS News, CBSN, WNBC, NBC News and MSNBC, where she covered a wide range of stories including presidential elections, debt ceilings, government shutdowns, natural disasters, terror attacks and celebrity news. She began her career in Reno, NV followed by Palm Springs, CA and Milwaukee, WI. Brewer is a Remembrance Scholar and magna cum laude graduate of Syracuse University's S.I. Newhouse School of Public Communication and Honors Program. She's narrated several audiobooks and resides in New York with her husband and twin sons. Contessa Brewer Social Media: X: https://twitter.com/contessabrewer Instagram: https://www.instagram.com/contessabrewer/ LinkedIn: https://www.linkedin.com/in/contessa-brewer/ Facebook: https://www.facebook.com/contessabrewertv

Do you control your day or does your day control you? One way to answer that question is to think about your average day at the office.  Did it go something like this?  You arrive, grab a cup of coffee, read emails, listen to voicemails, call clients back, get ready for a meeting, get interrupted, put out that fire, go back to what you were doing, and then get sidetracked by the next interruption! Does this sound like your average day? If so, know that you are not alone! Most financial advisors, insurance agents, wholesalers, branch managers, and even agency managers don't have a way to design their ultimate business day. The reason is that they have never had a process for creating, implementing, and achieving their ultimate business day.  You need to start with the end goal in mind: how not just to be busy, but productive.  In this episode, learn what successful advisors and agents do to be in control of their day, achieve better results, and avoid business burnout!

Jonny Steinberg, Business Day columnist and senior lecturer at Yale University's Council on African Studies says he believes South Africa's action against Israel at the International Court of Justine in The Hague is likely to weaken the genocide convention.See omnystudio.com/listener for privacy information.

Have you ever felt that success and joy are just out of reach? Let Rachel Jackson, your intuitive success coach, unravel this mystery as we conclude our transformative seven-day series. Together, we've journeyed to the heart of true fulfillment, and in this final installment, I'll reveal how aligning with your soul's purpose is the key to living the time of your life. Through sharing unconventional wisdom, I'll show you why success isn't measured by external achievements, but by the exhilaration and passion you pour into every facet of your existence. Prepare to recalibrate your soul GPS and embrace inspired action, as we celebrate the joy of the journey, unchained from the expectations of outcomes.As we pivot to the sphere of business, get ready for a paradigm shift. Say goodbye to the relentless hustle and hello to a world where joy and fun are cornerstones of astonishing business success. I'll share how this refreshing approach has already propelled many of my clients toward their most remarkable achievements. Our vibrant community is buzzing, and I'm thrilled to invite you to be part of it. Reflect on your transformation, share your victories, and join us as we look forward to a future brimming with epic triumphs. I'm here to champion your pursuit of happiness and success in every aspect of life—because when you thrive, we all do.Miraculous Success Academy 2024 is now Open!Join me in this container of Epic Expansion for all areas of your life and business. Make 2024 your best year yet. Click here for all the details. or go to www.soulfulbadass.ukI'd love you to join the FREE Seven Day Success Challenge Telegram Group and get lifetime access to all Seven Days.. Join here. If you are ready to dive into your era of success and make 2024 your best year ever then come and join me in the Miraculous Success Academy . Grab your place or find out more here. MSA Doors close 28th January. Thank you so much for listening. Please hit subscribe and if you loved this episode leave a 5 star review. Please come and join the Soulful Badass Community, this is a group of incredible people creating epic lives together. There are amazing programs and meditations available at www.soulfulbadass.uk check them out or book a private reading with me. You can follow me on Facebook or Instagram @rachel.soulfulbadassThanks for listening.Love Rachel x

Kabelo Khumalo, companies & markets editor at Business Day defends the publication's story on Thabi Leoka's PhD qualification. Also, Andrew Woodburn, managing director at Amrop WoodburnMann on the process of vetting qualifications.  Busisiwe  Mavuso, CEO at Business Leadership South Africa and Ebrahim Rasool, chairman of the board of directors at Development Bank of Southern on why it is critical for SA to be at the World Economic Forum.   In our investment school, Garth Mackenzie, founder & editor at Traders' Corner was our headteacher. He looked at position sizing and risk management. See omnystudio.com/listener for privacy information.

Do you find yourself craving more (or less) structure in your day? Do you prefer to work in your cozy, colour-coordinated home office? Or do you LOVE experimenting with new environments during the workday? Knowing how you work best can help you tap into more easeful productivity. Your Human Design arrows provide deep insight into the way that you engage with the world around you, and can help you build a blueprint for your most joyous and creative business day!  Looking at your Human Design arrows (also known as “Variables” or “the Four Transformations”) and the directions they face will help you better understand how you digest information, which environments you thrive in, and your most aligned approach to creating routines and setting goals.This week's episode of Soul Guide Radio explores how following your Human Design arrows will fill each and every business day with more joy, creativity, and ease. Tune in to learn how to optimize your day in a way that recognizes and honours your unique energetic needs!Start unlocking your spiritual gifts. Listen now to discover: The two Human Design arrows that can help you set up YOUR perfect business dayHow to understand your specific arrows individually and togetherAn invitation that will have you making simple tweaks to your environment and daily routine that will result in a huge upgrade to your quality of life!Timestamps:00:01  Intro03:51  Human Design arrows08:13  Old paradigm v. new paradigm09:28  Arrows for setting up your workday11:44  Digestion arrow14:19  Environment arrow16:18  Digestion + Environment19:51  How I do it24:40  Taking it to the next level26:12  Invitation & conclusionLinks:Run Your Free Human Design Chart HERE using Jovian ArchivesGet Your Free Human Design Chart HERE using Genetic MatrixSoul Guide Radio #118: Finding the Harmony in Your Push-Pull Energyhttps://allysonscammell.com/finding-the-harmony-in-your-push-pull-energy Soul Guide Radio #73: Soul-Guided Planning Part 1https://allysonscammell.com/soul-guided-planning-part-1 Soul Guide Radio #74: Soul-Guided Planning Part 2https://allysonscammell.com/soul-guided-planning-part-2Stay connected: Soul Guide Circle: JOIN the Soul Guide Circle closed Facebook Group Facebook: FOLLOW on Facebook Instagram: FOLLOW on Instagram Ready to grow a prosperous soul-guided business? BOOK a free Intuitive Consult Interested in amplifying your Spiritual Gifts? JOIN Soul Blueprint — We LOVE Listener Reviews, and we read them on the air! Leave a REVIEW here Interested in being a guest? SUBMIT an Application Form

Since starting my entrepreneurial journey, I slowly walked into the kind of grind and hustle culture that totally messed with my nervous system. I've been able to notice this and outline a whole new plan of being a healing practitioner that is actually in attunement with my nervous system, and I want to share that with you! In this episode: The inner and outer practices for a nervous system attuned business The inner healing work to help your nervous system operate in peace as a biz owner The importance of self care for healers What my day looks like now vs when I was in the grind! ✨ Join the Body Sense Program: https://www.body-sense-training.com/program  Become a Certified Functional Somatics Practitioner! Body-Sense certificate program for practitioners offers a transformative experience for you to create a collaborative and creative community that fosters personal growth and healing. We provide a framework that teaches somatic, nervous system, and trauma-informed methods, equipping you with the tools to work through triggers, trauma, anxiety, and stress. Our program helps you develop networks with peers, allowing you to be playful and open-minded while working through your own triggers and cementing your big vision. The life and career path of service-based practitioners are filled with obstacles that may derail you from taking further action on your dreams.  Our approach is designed to empower you to transform your life, both personally and professionally, by providing you with powerful tools and support to work through challenges so that you can continue on the path towards your goals. By participating in our program, you can expect to experience radical transformation and personal growth, unlocking your true potential and creating a life of purpose and fulfilment. ❥❥❥ Resources I mentioned: Pranamat Massage Mat: https://pranamat.com/af/rbkzvaqk?coupon=marina.y.t SomaShare: www.somashare.com Yoga nidra: https://app.somashare.com/practice/90 and https://app.somashare.com/practice/73  ❥❥❥ Thank you so much for being here! I appreciate and love you so much. Please take a moment to rate the show and subscribe - it would mean the world to me! ALL of my online can be found here: https://marinayt.com/courses/  These courses support you in using the deepest layer of transformation - your body - to get to the root cause of why you may feel stuck or triggered, and make profound shifts in your relationships and your work. I love these courses so much because they go so deep - to the root, rather than just giving you surface level communication or action tips. Nearly 1,000 students

Hilary Joffe, columnist and editor-at-large at Business Day on the Reserve Bank governor affirming that the Competition Commission is the right organisation to probe market abuse — after reports that it was overreaching with the bank cartel case.    On The Money Show Explainer, Michael Power, consultant at Kaskazi Consultancy discussed the science behind Kenya's rise to powerhouse status.    For Friday File, Gail Galvin, founder & director of The Truffle Lady on how she was able to turn her love for truffles into a thriving bona fide business.See omnystudio.com/listener for privacy information.

Meet someone who is often considered one of the most productive people on the planet, Ari Meisel, as he launches us into a brand new meditation series to live your life in an optimized way to get the most out of life. This is part 1 of a 7-Part Series Kaizen: Optimize Your Life and Business, Episodes 2945-2951. THIS WEEK'S CHALLENGE: Identify 5 things you can improve in your life or business this week. JOIN ARI FOR PRINCETON KAIZEN  https://www.princetonkaizen.com/coaching A DIFFERENT MEDITATION TECHNIQUE EVERY DAY FOCUSED ON A WEEKLY THEME: You are guided with a different meditation technique every day that is customized for the week's theme. Weave the techniques into the most stressful times of your day to manage difficult emotions. The meditation techniques help to calm the "monkey mind," when your thoughts continuously interrupt your meditation. FREE TOOLS: For free meditation tools to help you start meditating please head over to my website at www.SipandOm.com, and there you'll find a multitude of free resources to help you on your Meditation Journey. Enjoy access to nearly 3,000 guided meditations without ads on the Sip and Om app. Try it for 7 days of free access to the full app! Listen on iTunes for 1-Week Free! https://itunes.apple.com/us/app/sip-and-om/id1216664612?platform=iphone&preserveScrollPosition=true#platform/iphone   1-week Free Access to the Android app! https://play.google.com/store/apps/details?id=com.sipandom.sipandom   ***All meditations are Mary Meckley's original copyrighted content unless otherwise stated, and may not be shared without her written permission.   RESOURCES Music composed by Christopher Lloyd Clark licensed by RoyaltyFreeMusic.com, and also by musician Greg Keller.   I'D LOVE TO HEAR FROM YOU I'd love your feedback! Please let me know how you're enjoying the meditations by leaving me a review on iTunes.   **All of the information shared on this podcast is for your enjoyment only. Please don't consider the meditation techniques, herbal tea information, or other information shared by Mary Meckley or any of her guests as a replacement for any kind of medical or psychological treatment. That being said, please enjoy any peace, energy, or clarity you may experience as you meditate!

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