PNA.gov.ph – Page 8 – Author Carlo Carrasco

New investments worth P23.5 billion from Japanese companies pledged in connection with CREATE MORE

March 10, 2025March 6, 2025carlocarrasco

With the Corporate Recovery and Tax Incentives for Enterprises to Maximize Opportunities for Reinvigorating the Economy (CREATE MORE) Act already in effect, more than P23 billion in new investments was pledged by Japanese companies in connection with it, according to a Philippine News Agency (PNA) news article.

To put things in perspective, posted below is an excerpt from the news article of the PNA. Some parts in boldface…

Department of Trade and Industry (DTI) Secretary Ma. Cristina Roque said Wednesday the Corporate Recovery and Tax Incentives for Enterprises to Maximize Opportunities for Reinvigorating the Economy (CREATE MORE) law has attracted Japanese companies to invest in the country.

Roque and Special Assistant to the President for Economic Affairs and Investments Secretary Frederick Go visited Japan from March 3 to 4 to meet Japanese companies and business groups.

The DTI said during the visit, four companies pledged PHP23.5 billion worth of investments.

“Representing both the government and private sectors, those we engaged with expressed excitement and enthusiasm about collaborating with us, inspired by the positive developments they’ve heard about our country—our robust economic fundamentals and reformed policies and regulations,” Roque said.

“Specifically, what caught their attention was the recently enacted CREATE MORE law, which offers enhanced tax incentives, simplified processes, and greater opportunities for businesses to thrive in the Philippines,” she added.

Among Japanese companies that the Philippine government officials met include Ibiden Co., Ltd., Nidec Corp. and Sumitomo Corp.

The Philippine Trade and Investment Center (PTIC)-Tokyo told the Philippine News Agency that two of these companies are eyeing fresh investments in the country, while one of them is updating its three-year investment pledge.

DTI said Ibiden expressed its prospect for expanding its advanced substrate technologies operations, while Nidec eyes to expand its manufacturing footprint here.

On the other hand, Sumitomo renewed its commitment to collaborate with the Marcos administration’s infrastructure and clean energy goals.

Sumitomo’s project in the Philippines include the Metro Manila Subway Project, the MRT Line 3 maintenance contract, and the First Philippine Industrial Park.

Roque also had meetings with Fast Retailing Co. Ltd., the firm behind clothing brand Uniqlo, as well as the Japan Association of Corporate Executives (Keizai Doyukai) and the Japan Business Federation (Keidanren).

Let me end this post by asking you readers: What is your reaction to this recent development? Do you think the new investments pledged by Japanese companies in connection with CREATE MORE will influence many other foreign companies to invest in the Philippines this year?

You may answer in the comments below. If you prefer to answer privately, you may do so by sending me a direct message online.

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For more South Metro Manila community news and developments, come back here soon. Also say NO to fake news, NO to irresponsible journalism, NO to misinformation, NO to plagiarists, NO to reckless publishers and NO to sinister propaganda when it comes to news and developments. For South Metro Manila community developments, member engagement, commerce and other relevant updates, join the growing South Metro Manila Facebook group at https://www.facebook.com/groups/342183059992673

COMELEC declares that candidates are not required to attend election debates

March 6, 2025February 26, 2025carlocarrasco

As the May 2025 National and Local Elections slowly get closer, the Commission on Elections (COMELEC) declared that candidates are not required to attend debates, according to a news article by the Philippine News Agency (PNA).

To put things in perspective, posted below is an excerpt from the news article of the PNA. Some parts in boldface…

The Commission on Elections (Comelec) on Monday said participation of the national and local candidates in election debates is not mandatory.

“Requiring candidates to attend debates is not yet provided in the guidelines as we are still studying its constitutionality,” Comelec Chairperson George Garcia said in an interview. He said Comelec will not organize debates for the May 12 mid-term elections.

“The Comelec is not conducting these debates, but other groups and organizations. That is really up to them,” he said.

The poll body, however, said organizers must make sure that all candidates are invited to participate in the election debates.

“Not even one candidate should be excluded. Everyone must be invited,” he said.

Let me end this post by asking you readers: What is your reaction to this recent development? Do you think the COMELEC is right declaring that election candidates are not required to attend debates? Do you want to see the COMELEC itself organize debates for the candidates running for seats in the Philippine Senate? Do you prefer private entities such as business groups or homeowners associations to organize debates in relation to local elections?

You may answer in the comments below. If you prefer to answer privately, you may do so by sending me a direct message online.

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UBS Investment Bank Global Research economist sees Philippine economy growing by 5.9% this year

March 5, 2025February 26, 2025carlocarrasco

A senior economist of the UBS Investment Bank Global Research stated that the economy of the Philippines will grow better this year by 5.9%, according to a Philippine News Agency (PNA) news article. In 2024, the economy grew by 5.6%.

To put things in perspective, posted below is an excerpt from the news article of the PNA. Some parts in boldface…

Philippine economic growth is expected to accelerate this year on the back of higher investments and consumption, an economist of UBS Investment Bank Global Research said.

In a virtual briefing on Wednesday, UBS Investment Bank Global Research Senior ASEAN and Asia Economist Grace Lim said the Philippine economy is projected to grow by 5.9 percent this year from 5.6 percent in 2024.

“We see an improving growth outlook for the Philippines,” Lim said. “The underlying positive growth delta is driven by domestic demand as both investment and consumption accelerate in 2025.“

She said private investments would recover gradually as financial conditions become less restrictive and consumer sentiment gradually picks up. Solid labor income growth and the easing of food inflation will also help boost consumption growth.

“Consumption, as well, is likely to be positive amidst the improving fundamentals and the resilient labor market, which, I should add, is one of the most significant support for Philippines demand,” she said.

Lim said government spending and the continued growth in services exports would also support economic growth.

“What is also often underappreciated is the bright spot of services exports, especially in the BPO sector,” she said.

Lim said she expects the country’s BPO sector to remain resilient this year.

Higher tariffs – Asked about the impact of tariff trade escalation on the Philippine economy, Lim said the Philippines is in a “rather defensive market in the event of potential trade tariff escalation.”

“That’s because the Philippines is primarily domestic-oriented with investment as a percentage of GDP 23 percent, consumption over 70 percent. So not very trade-exposed,” she said.

She pointed out that in the case of trade tariff escalation, the Philippine peso could also be a relative outperformer in the region.

“That said, we do think that if tariffs are universal, then obviously there could be weaker prospects for currencies in general, but even in that scenario, it would not be a very big depreciation,” she said.

Let me end this post by asking you readers: What is your reaction to this recent development? Do you think the Philippine economy has what it takes to grow by at least 5.9% this year? Do you think that the national economy can withstand the effects of new tariffs?

You may answer in the comments below. If you prefer to answer privately, you may do so by sending me a direct message online.

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NBI arrests 20 foreigners in Parañaque City for illegal POGO operation

March 4, 2025March 1, 2025carlocarrasco

Recently in Parañaque City, elements of the National Bureau of Investigation (NBI) arrested twenty foreigners who were caught operating a Philippine offshore gaming operator (POGO) at an Aseana City building, according to a Philippine News Agency (PNA) news article.

To put things in perspective, posted below is an excerpt from the PNA news article. Some parts in boldface…

The National Bureau of Investigation (NBI) on Friday announced the arrest of 20 foreign nationals operating an illegal Philippine offshore gaming operator (POGO) hub in Parañaque City.

In a statement on Friday, the NBI said the suspects were arrested in an operation on Feb. 25 at Aseana 3, West Tower, 8912 Avenue, following a complaint of the wife of a Chinese national working for a POGO company operating under the trade name “LWE.”

She alleged that her husband, who worked as a customer service representative, was being held against his will by his employers.

During the operation, agents of the NBI Special Task Force uncovered a fully operational online scam hub.

The arrested foreigners have been charged before the city prosecutor’s office for violating Section 4(b)(1) (Social Engineering Schemes) of Republic Act (RA) 12010, or the Anti-Financial Account Scamming Act (AFASA) in relation to RA 10175, or the Cybercrime Prevention Act of 2012.

Let me end this post by asking you readers: What do you think about this recent development? If you are a resident of Parañaque, are you concerned that there could be a lot more POGOs and scam hubs operating secretly at the Aseana City buildings? What do you think makes Parañaque an attractive spot for scam operations and POGOs involving foreigners?

You may answer in the comments below. If you prefer to answer privately, you may do so by sending me a direct message online.

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Ramos and Burgos top 2025 National Age Group Aquathlon event at Vermosa Sports Hub

March 2, 2025March 2, 2025carlocarrasco

Welcome back, multisports athletes and sports enthusiasts! John Alexander Ramos and Erika Nicole Burgos won their respective Elite titles during the 2025 National Age Group Aquathlon event yesterday at the Vermosa Sports Hub in Cavite, according to a sports news article published by the Philippine New Agency (PNA).

To put things in perspective, posted below is an excerpt from the PNA sports news article. Some parts in boldface…

Joshua Alexander Ramos delivered a fine performance to claim victory in the Standard Men Elite of the National Age Group Aquathlon 2025 at the Ayala-Vermosa Sports Hub in Imus, Cavite on Saturday.

The 23-year-old member of the Baguio Benguet Triathlon club clocked 31 minutes and 19 seconds in the 1km-swim and 5km-run competition.

“I joined this tournament to test my fitness and I’m glad I won,” said Ramos, a second-year marketing management student at the University of Baguio.

Last year, he was runner-up to Cebuano Kim Andrew Remolino in the race that only covered 500 meters (swim) and 2.5 km. (run).

Remolino and Matthew Hermosa did not join due to a Private Schools Athletic Association (PRISAA) regional qualifying.

“Even if they are not here, I can say that I gave my best,” said Ramos, who won four medals in swimming – two golds (400m and 1500 freestyle), one silver (4x200m freestyle), and one bronze (4×100 freestyle) at the 2024 PRISAA National Games in Legazpi City, Albay.

Iñaki Emil Lorbes registered 31:28 to finish second despite nursing a right ankle injury he sustained two weeks ago in training. Irienold Reig Jr. (32:12) was third.

Meanwhile, Erika Nicole Burgos defended the women’s title, clocking 34 minutes and 17 seconds to prevail over Wan Ting of Singapore (35:01) and Lady Samantha Jhunace Corpuz (35:50).

“The course is difficult, it’s exhausting,” said Burgos of Tanauan, Batangas.

She will join the National Age Group Duathlon on Sunday.

“I’ll do my best to win (in the National),” said Burgos, who won the gold medal in the 2023 Asian Duathlon Championships at the New Clark City Sports Complex.

In the Junior Elite category, Joshua’s younger brother, Dayshaun Karl, topped the men’s division in 16:37. Darell Johnson Bada (16:40) ranked second followed by Peter Sancho Del Rosario (16:44).

Dhana Victoria Seda-Lomboy clocked 18:45 to win the women’s title over Maria Celinda Raagas (21:42).

Edison Badillo (PTS2), Raul Angoluan (PTS3), Alex Silverio (PTS4), and Joshua Nelmida with guide Bernard Matthew Cruz (PTVI) won their respective divisions in the para category of the event organized by the Triathlon Philippines (TriPhil) headed by Tom Carrasco.

The 2025 National Age Group Aquathlon event in Vermosa was sponsored by the Philippine Sports Commission, Milo, Asian Center for Insulation, Gatorade, Fitbar, and RaceYa.

For local triathlon updates, visit https://www.facebook.com/TriPhil.

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For more South Metro Manila community news and developments, come back here soon. Also say NO to fake news, NO to irresponsible journalism, NO to misinformation, NO to plagiarists, NO to reckless publishers and NO to sinister propaganda when it comes to news and developments. For South Metro Manila community developments, member engagements, commerce and other relevant updates, join the growing South Metro Manila Facebook group at https://www.facebook.com/groups/342183059992673

More investors expected in relation to newly signed CREATE MORE IRR

February 28, 2025February 26, 2025carlocarrasco

In connection with the recent signing of the implementing rules and regulations (IRR) of the Corporate Recovery and Tax Incentives for Enterprises to Maximize Opportunities for Reinvigorating the Economy (CREATE MORE) Act, a director of the Philippine Economic Zone Authority (PEZA) expects more investors to come in, according to a news article by the Philippine News Agency (PNA).

To put things in perspective, posted below is an excerpt from the news article of the PNA. Some parts in boldface…

Philippine Economic Zone Authority (PEZA) Director General Tereso Panga is expecting more investors to put up their businesses in economic zones across the country following the signing of the implementing rules and regulations (IRR) of the Corporate Recovery and Tax Incentives for Enterprises to Maximize Opportunities for Reinvigorating the Economy (CREATE MORE) Act.

Panga said the IRR provides clarity for the smooth implementation of the law.

“It is a product of conjoined efforts that will surely attract more interest in the Philippines and paves the way for future investment growth,” Panga said in a statement Wednesday.

On Feb. 17, Finance Secretary Ralph Recto and Trade Secretary Ma. Cristina Roque led the signing of the CREATE MORE’s IRR.

The IRR supports PEZA’s mandate of driving investment growth into the country, promote sustainable development in the countryside, and create more jobs.

“The CREATE MORE Act refines the investment landscape of the Philippines to be at parity with other countries,” he said.

“With these new policies in place, coupled with the positive attributes already presented by our country and the various advantages like a communications-ready skilled workforce, a conducive business environment and a whole-of-government approach, it is without doubt that new investors will come in and old investors will choose to stay for the long haul,” he added.

Let me end this post by asking you readers: What is your reaction to this recent development? Do you think the newly signed IRR of CREATE MORE will result in more investors to come into the Philippines and put up businesses in economic zones?

You may answer in the comments below. If you prefer to answer privately, you may do so by sending me a direct message online.

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I Love Israel: Israel turns over new learning center to school in Taguig City

February 27, 2025February 20, 2025carlocarrasco

As some of you are already aware, I fully stand with Israel which is very connected with my uncompromising faith in the Lord. I keep on praying to Him for Israel to overwhelm its enemies, rescue the hostages and recover from the effects of the October 7, 2023 terrorist attacks committed by the Palestinian terrorist group Hamas which is sponsored by terrorist state Iran. I can assure all of you that nobody from the evil Islamo-Leftist mob, nobody from the pro-Palestine radicals, nobody from the political correctness extremists, and nobody from evil societies would stop me from supporting and loving Israel.

Now, on with the news…

In another move of generosity for the Philippines, Israeli aid agency MASHAV donated a new learning center for the benefit of the students of Urusan Elementary School (UES) in Taguig City, according to a Philippine News Agency (PNA) news article. MASHAV Head Ambassador Eynat Shlein, Mayor Lani Cayetano and Israel Ambassador to the Philippines Ilan Fluss were present during the turnover.

To put things in perspective, posted below is the excerpt from the PNA news article. Some parts in boldface…

Israel’s aid agency MASHAV on Wednesday turned over a new learning center to the students of Ususan Elementary School (UES).

MASHAV Head Ambassador Eynat Shlein and Israel Ambassador to the Philippines Ilan Fluss, who led the unveiling ceremony in Taguig City, said this center signals Tel Aviv’s interest to continue and increase its development cooperation with the country.

The Nir Oz Resource Learning Center, named after one of the Israeli kibbutz attacked by the Hamas in October 2023, is complete with reading materials and equipment procured by the MASHAV.

“The learning center is one of the building stones of the joint quest between Israel and the Philippines for sustainable development. And if we want to get to development, we need to start from the beginning,” Shlein said.

“The beginning are the seeds and the seeds of the future are the children —we need to look after them,” she added.

On top of inspiring students to read more books, Shlein also hoped this center would promote friendship, understanding, and open-mindedness among them.

“The fact that we helped establish this refuge for children from daily teachings where they could sit and think and reconnect, for us, that is a building block for sustainable education,” she said.

“Education is a core beacon in our work, and as we have worked already in 140 countries and trained hundreds of thousands of people, out of which many thousands are Filipinos, we are happy to continue on this joyful bilateral track.“

In a separate interview, Fluss said Israel is also planning to partner with more stakeholders to finance similar centers in other areas outside Metro Manila.

“It’s very humble but that’s the Israeli approach —we believe in the development of human resources, even in other programs, we always look at capacity building,” he said.

This newest development shows the continuing growth of Israel-Philippines ties through education. Israel can keep contributing to improve the standards of education and help elementary students learn better. Thank the Lord for this breakthrough as well as the continuing cooperation between Israel and the Philippines.

To my fellow Filipinos reading this, I encourage you to accept the truth that Israel is the land God designated specifically for the Jewish people (read Genesis 35:10-12) and His command must be followed without hesitation. If you want to be blessed further by the Lord, do so by loving and blessing the Jewish people (Genesis 12:1-3). I did my part when I was in Israel. Also, let me remind you all that the ties between the Jews and Christians are truly biblical!

I encourage you all to pray to the Lord God in support of Israel, to love and bless the Jewish people, and pray for the peace of Jerusalem. Pray to Him so that Israel-Philippines ties and cooperation will keep growing stronger in the many years ahead.

If you truly believe in Lord Jesus, the Holy Spirit and God the Heavenly Father wholeheartedly and you continue to be faithful, you should be aware that Christians are meant to stand united with Israel and love the Jewish people no matter what. You can do your part supporting Israel by donating to Christians United for Israel (CUFI). Do not forget to read the Holy Bible, then pray in tongues to the Lord in the privacy of your room with the door shut.

Always be the fearless and aggressive church of Lord Jesus! Always stand in support of Israel and its ties with the Philippines!

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2025 National Age Group Aquathlon and Duathlon set to happen at Vermosa Sports Hub this weekend

February 25, 2025February 24, 2025carlocarrasco

Welcome back, multisports athletes and sports enthusiasts! The Vermosa Sports Hub will be hosting the National Age Group Aquathlon and the National Age Group Duathlon events this weekend in Cavite. Specifically, the aquathlon is on March 1 while the duathlon is on March 2. There will also be several significant athletes participating in the said events.

For specific details about the aquathlon event, click here. Regarding the duathlon, click here. These events of Triathlon Philippines (TriPhil) are supported by the Philippine Sports Commission (PSC), Milo, Standard Insurance, LeGarde, Gatorade, Asian Centre for Insulation Philippines, Inc., Fitbar and RaceYa. Ayala Vermosa Sports Hub is the venue partner.

Recently, the news article of the National Age Group Aquathlon and National Age Group Duathlon was published by the Philippine News Agency (PNA) with an emphasis on who will be competing this weekend. Posted below is the excerpt of the news release but be aware the word “championships” is inaccurate. Some parts in boldface.

All is set for the National Age Group Aquathlon and Duathlon Championships this weekend at the Ayala Vermosa Sports Hub in Cavite.

The aquathlon event is set on March 1 and the duathlon the next day.

Merry Joy Trupa and Marion Kim Mangrobang lead the title contenders in a duathlon in the tournament organized by the Triathlon Philippines (TriPhil) headed by Tom Carrasco.

Trupa won the silver medal while Mangrobang settled for the bronze medal at the 2025 Asia Triathlon Duathlon Championships in Manama, Bahrain last Sunday.

Trupa finished the 5km run-30km bike-5km run in 1:29:16, behind Chinese Ziqing Lu (1:28:24). Mangrobang champion, clocked 1:33:14.

Mangrobang is a three-time champion in triathlon and back-to-back gold medalist in duathlon at the SEA Games.

She leads the women’s Elite, Under 23 and Junior squad which include Raven Faith Alcoseba, Kira Ellis, Erika Nicole Burgos, Lady Samantha Jhunace Corpuz and Katrina Salazar.

The men’s Elite and Under 23 team is composed of Filipino-Spanish Fernando Casares, Andrew Kim Remolino, Matthew Justine Hermosa, Joshua Alexander Ramos, Iñaki Emil Lorbes, Juan Miguel Tayag and Juan Francisco Baniqued, while the Junior Elite roster has Dayshaun Karl Ramos, Darell Johnson Bada, Euan Arrow Ramos and Peter Sancho del Rosario.

SEA Games double-gold medalist John Leerams Chicano banners the men’s duathlon team. Joining him are Maynard Pecson, John Patrick Ciron, Irienold Reig Jr. and Franklin Yee.

With Trupa in the women’s team are Jena Valdez and Bea Marie Quiambao.

For local triathlon updates, visit https://www.facebook.com/TriPhil.

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For more South Metro Manila community news and developments, come back here soon. Also say NO to fake news, NO to irresponsible journalism, NO to misinformation, NO to plagiarists, NO to reckless publishers and NO to sinister propaganda when it comes to news and developments. For South Metro Manila community developments, member engagements, commerce and other relevant updates, join the growing South Metro Manila Facebook group at https://www.facebook.com/groups/342183059992673

Crime syndicates may have infiltrated government agencies

February 18, 2025February 9, 2025carlocarrasco

In connection with the recent raid on a particular travel and consultancy firm that was allegedly involved with the issuance of fake Philippine government documents, it seems that crime syndicates may have infiltrated certain agencies of the government, according to a Philippine News Agency (PNA) news article.

To put things in perspective, posted below is an excerpt from the news article of the PNA. Some parts in boldface…

Senator Sherwin Gatchalian warned that criminal syndicates may have infiltrated key government agencies following the recent raid on a travel and consultancy firm that allegedly facilitated the issuance of fraudulent Philippine government documents.

“The recent raid strengthens our suspicion that criminal syndicates have infiltrated agencies such as the Philippine Statistics Authority (PSA), Bureau of Immigration, Department of Foreign Affairs (DFA), and Philippine National Police (PNP),” Gatchalian said in a statement on Friday.

This came after members of the Presidential Anti-Organized Crime Commission (PAOCC) found birth and marriage certificates and a passport with a foreign national’s photo but a Filipino name during a raid at JRB Travel and Consultancy Services Inc. based in Intramuros, Manila on Wednesday.

Gatchalian, who has filed a bill to expand Philippine Statistics Authority’s (PSA) authority and impose penalties on civil registrars involved in fraudulent registrations, urged law enforcement to intensify efforts in dismantling these illegal networks.

He cited cases wherein individuals reported paying large sums to the travel agency to secure the release of their detained partners, with one complainant claiming to have paid PHP900,000 to free her fiancé and another paid PHP1.1 million for her husband’s release after a Jan. 17 raid in a Philippine offshore gaming operators (POGO) center in Parañaque City.

In a press conference on Thursday, PAOCC Executive Director Gilberto Cruz described the raided travel agency as the “missing link” in the Senate’s ongoing investigation on POGOs.

He said the firm enabled foreigners to obtain government-issued documents, allowing them to stay in the country despite crackdowns on POGOs.

Aside from document forgery, Cruz revealed that personnel of the travel agency also impersonated PAOCC personnel to extort money.

Cruz, however, clarified that no actual PAOCC officers were involved in the scheme.

Let me end this post by asking you readers: What is your reaction to this recent development? Do you think the national authorities will be able to find and arrest all the criminal elements who infiltrated government agencies? Do you think the law enforcers can put a stop on the forgery of government documents?

You may answer in the comments below. If you prefer to answer privately, you may do so by sending me a direct message online.

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Two Chinese nationals arrested in Parañaque City for selling unregistered medicines

February 18, 2025February 14, 2025carlocarrasco

Recently in the City of Parañaque, two Chinese nationals were arrested by elements of the Criminal Investigation and Detection Group (CIDG) for allegedly selling unregistered medicines, according to a Philippine News Agency (PNA) news article.

To put things in perspective, posted below is an excerpt from the PNA news article. Some parts in boldface…

The Criminal Investigation and Detection Group (CIDG) have arrested two Chinese nationals allegedly involved in selling unregistered medicines in Metro Manila.

Agents of the CIDG-Detective and Special Operations Unit nabbed suspects Hu and Quan in a buy-bust at Concorde Village, Tambo, Parañaque City past midnight Saturday.

According to a news release Sunday, the CIDG agents confiscated two boxes of OTC 999 – Ganmaoling Keli, 20 boxes of Glucophage – Metformin Hydrochloride Extended-release tablets, two boxes of Amlodepine Besilate tablets, three boxes of Linou – Gliclazide tablets, two boxes of OTC – Longdan Xiegan pills, four boxes of Zhibai Dihuang pills, one box of Bear Bile powder, 12 boxes Diamicron – Gliclazide tablets and 16 boxes Bayaspirin – Aspirin Enteric-coated tablets.

The medicines, with an estimated market value of PHP15,000, are not registered with the Food and Drug Administration.

The suspects will be charged with violation of Section 11 of Republic Act 9711 (FDA Act of 2009) which prohibits manufacturing, importation, export, sale, distribution and transfer of unregistered drugs.

CIDG chief Brig. Gen. Nicolas Torre urged the public to remain vigilant and report suspicious activities related to the sale of unregistered medicines.

Let me end this post by asking you readers: What do you think about this recent development? If you are a resident of Parañaque, how many Chinese nationals are living within your local community right now? Did you notice any foreigners selling unregistered medicine locally? Why do you think Parañaque remains a hot spot of criminal activities involving Chinese nationals?

You may answer in the comments below. If you prefer to answer privately, you may do so by sending me a direct message online.

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