Least common multiple 7 and 9

I want to get the blade 18 but since there's no razer support in my country ( I think they can't ship me the battery) and i want to use it for at least 5 years
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Hows the battery? Any bloat on the new battery or razer did fix the issue? Is it worth it to get it for go for legion 7 pro?
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Thanks!

Universal Pictures! Here’s options for downloading or watching Spider-Man: Across the Spider-Verse streaming the full 𝓂𝑜𝓋𝒾𝑒 online for free on 123𝓂𝑜𝓋𝒾𝑒s & Reddit including where to watch Universal Pictures’ 𝓂𝑜𝓋𝒾𝑒 at home. Is Spider-Man: Across the Spider-Verse 2023 available to stream? Is watching Spider-Man: Across the Spider-Verse on Disney Plus, HBO Max, Netflix or Amazon Prime? Yes we have found an authentic streaming option / service. Details on how you can watch Spider-Man: Across the Spider-Verse 3 for free throughout the year are described below.
Stream Now ➡ Spider-Man: Across the Spider-Verse Online ReDDit
Now Is Spider-Man: Across the Spider-Verse available to stream? Is watching Spider-Man: Across the Spider-Verse on Disney Plus, HBO Max, Netflix, or Amazon Prime? Yes, we have found an authentic streaming option/service. A 1950s housewife living with her husband in a utopian experimental community begins to worry that his glamorous company could be hiding disturbing secrets.
​
Showcase Cinema Warwick you'll want to make sure you're one of the first people to see it! So mark your calendars and get ready for a Spider-Man: Across the Spider-Verse 𝓂𝑜𝓋𝒾𝑒 experience like never before. of our other Marvel 𝓂𝑜𝓋𝒾𝑒s available to watch online. We're sure you'll find something to your liking. Thanks for reading, and we'll see you soon! Spider-Man: Across the Spider-Verse is available on our website for free streaming. Details on how you can watch Spider-Man: Across the Spider-Verse for free throughout the year are described
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If you're a fan of the comics, you won't want to miss this one! The storyline follows Spider-Man: Across the Spider-Verse as he tries to find his way home after being stranded on an alien Spider-Man: Across the Spider-Verset. Spider-Man: Across the Spider-Verse is definitely a Spider-Man: Across the Spider-Verse 𝓂𝑜𝓋𝒾𝑒 you don't want to miss with stunning visuals and an action-packed plot! Plus, Spider-Man: Across the Spider-Verse online streaming is available on our website. Spider-Man: Across the Spider-Verse online is free, which includes streaming options such as 123𝓂𝑜𝓋𝒾𝑒s, Reddit, or TV shows from HBO Max or Netflix!
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Spider-Man: Across the Spider-Verse Release in the US
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Spider-Man: Across the Spider-Verse hits theaters on January 14, 2022. Tickets to see the film at your local 𝓂𝑜𝓋𝒾𝑒 theater are available online here. The film is being released in a wide release so you can watch it in person.
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How to Watch Spider-Man: Across the Spider-Verse for Free?release on a platform that offers a free trial. Our readers to always pay for the content they wish to consume online and refrain from using illegal means.
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Where to Watch Spider-Man: Across the Spider-Verse?
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There are currently no platforms that have the rights to Watch Spider-Man: Across the Spider-Verse 𝓂𝑜𝓋𝒾𝑒 Online.MAPPA has decided to air the 𝓂𝑜𝓋𝒾𝑒 only in theaters because it has been a huge success.The studio , on the other hand, does not wish to divert revenue Streaming the 𝓂𝑜𝓋𝒾𝑒 would only slash the profits, not increase them.
​
Is Spider-Man: Across the Spider-Verse on Netflix?
​
The streaming giant has a massive catalog of television shows and 𝓂𝑜𝓋𝒾𝑒s, but it does not include 'Spider-Man: Across the Spider-Verse.' We recommend our readers watch other dark fantasy films like 'The Witcher: Nightmare of the Wolf.'
​
Is Spider-Man: Across the Spider-Verse on Crunchyroll?
​
Crunchyroll, along with Funimation, has acquired the rights to the film and will be responsible for its distribution in North America.Therefore, we recommend our readers to look for the 𝓂𝑜𝓋𝒾𝑒 on the streamer in the coming months. subscribers can also watch dark fantasy shows like 'Jujutsu Kaisen.'
​
Is Spider-Man: Across the Spider-Verse on Hulu?
​
No, 'Spider-Man: Across the Spider-Verse' is unavailable on Hulu. People who have a subscription to the platform can enjoy 'Afro Samurai Resurrection' or 'Ninja Scroll.'
​
Is Spider-Man: Across the Spider-Verse on Amazon Prime?
​
Amazon Prime's current catalog does not include 'Spider-Man: Across the Spider-Verse.' However, the film may eventually release on the platform as video-on-demand in the coming months.fantasy 𝓂𝑜𝓋𝒾𝑒s on Amazon Prime's official website. Viewers who are looking for something similar can watch the original show 'Dororo.'
​
When Will Spider-Man: Across the Spider-Verse Be on Disney+?
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Spider-Man: Across the Spider-Verse, the latest installment in the Spider-Man: Across the Spider-Verse franchise, is coming to Disney+ on July 8th! This new 𝓂𝑜𝓋𝒾𝑒 promises to be just as exciting as the previous ones, with plenty of action and adventure to keep viewers entertained. you're looking forward to watching it, you may be wondering when it will be available for your Disney+ subscription. Here's an answer to that question!
​
Is Spider-Man: Across the Spider-Verse on Funimation?
​
Crunchyroll, its official website may include the 𝓂𝑜𝓋𝒾𝑒 in its catalog in the near future. Meanwhile, people who wish to watch something similar can stream 'Demon Slayer: Kimetsu no Yaiba – The 𝓂𝑜𝓋𝒾𝑒: Mugen Train.'
​
Spider-Man: Across the Spider-Verse Online In The US?
​
Most Viewed, Most Favorite, Top Rating, Top IMDb 𝓂𝑜𝓋𝒾𝑒s online. Here we can download and watch 123𝓂𝑜𝓋𝒾𝑒s 𝓂𝑜𝓋𝒾𝑒s offline. 123𝓂𝑜𝓋𝒾𝑒s website is the best alternative to Spider-Man: Across the Spider-Verse's (2021) free online. We will recommend 123𝓂𝑜𝓋𝒾𝑒s as the best Solar𝓂𝑜𝓋𝒾𝑒 alternative There are a
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few ways to watch Spider-Man: Across the Spider-Verse online in the US You can use a streaming service such as Netflix, Hulu, or Amazon Prime Video. You can also rent or buy the 𝓂𝑜𝓋𝒾𝑒 on iTunes or Google Play. watch it on-demand or on a streaming app available on your TV or streaming device if you have cable.
​
What is Spider-Man: Across the Spider-Verse About?
​
It features an ensemble cast that includes Florence Pugh, Harry Styles, Wilde, Gemma Chan, KiKi Layne, Nick Kroll, and Chris Pine. In the film, a young wife living in a 2250s company town begins to believe there is a sinister secret being kept from her by the man who runs it.
​
What is the story of Spider-Man: Across the Spider-Verse?
​
In the 2250s, Alice and Jack live in the idealized community of Victory, an experimental company town that houses the men who work on a top- While the husbands toil away, the wives get to enjoy the beauty, luxury, and debauchery of their seemingly perfect paradise. However, when cracks in her idyllic life begin to appear, exposing flashes of something sinister lurking below the surface, Alice can't help but question exactly what she's doing in Victory.
​
In ancient Kahndaq, Teth Adam bestowed the almighty powers of the gods. After using these powers for vengeance, he was imprisoned, becoming Spider-Man: Across the Spider-Verse. Nearly 5,000 years have passed, and Spider-Man: Across the Spider-Verse has gone from man to myth to legend. Now free, his unique form of justice, born out of rage, is challenged by modern-day heroes who form the Justice Society: Hawkman, Dr. Fate, Atom Smasher, and Cyclone.
​
Production companies : Warner Bros. Pictures.
​
At San Diego Comic-Con in July, Dwayne “The Rock” Johnson had other people raising eyebrows when he said that his long-awaited superhero debut in Spider-Man: Across the Spider-Verse would be the beginning of “a new era” for the DC Extended Universe naturally followed: What did he mean? And what would that kind of reset mean for the remainder of DCEU's roster, including Superman, Batman, Wonder Woman, the rest of the Justice League, Suicide Squad, Shazam and so
​
Spider-Man: Across the Spider-Verse neared theaters, though, Johnson clarified that statement in a recent sit-down with Yahoo Entertainment (watch above).
​
“I feel like this is our opportunity now to expand the DC Universe and what we have in Spider-Man: Across the Spider-Verse, which I think is really cool just as a fan, is we introduce five new superheroes to the world,” Johnson tells us. Aldis Hodge's Hawkman, Noah Centineo's Atom Smasher, Quintessa Swindell's Cyclone and Pierce Brosnan's Doctor Fate, who together comprise the Justice Society.) “One anti-hero.” (That would be DJ's Spider-Man: Across the Spider-Verse.)
​
“And what an opportunity. The Justice Society pre-dated the Justice League. So opportunity, expand out the universe, in my mind… all these characters interact. That's why you see in Spider-Man: Across the Spider-Verse, we acknowledge everyone: Batman , Superman , Wonder Woman, Flash, we acknowledge everybo****here's also some Easter eggs in there, too.So that's what I meant by the resetting. Maybe resetting' wasn't a good term.only
​
In addition to being Johnson's DC Universe debut, “Spider-Man: Across the Spider-Verse” is also notable for marking the return of Henry Cavill's Superman. The cameo is likely to set up future showdowns between the two characters, but Hodge was completely unaware of it until he saw the film.
​
“They kept that all the way under wraps, and I didn't know until maybe a day or two before the premiere,” he recently said Spider-Man: Across the Spider-Verse (2022) FULL𝓂𝑜𝓋𝒾𝑒 ONLINE
​
Is Spider-Man: Across the Spider-Verse Available On Hulu?Viewers are saying that they want to view the new TV show Spider-Man: Across the Spider-Verse on Hulu. Unfortunately, this is not possible since Hulu currently does not offer any of the free ****odes of this series streaming at this time. the MTV channel, which you get by subscribing to cable or satellite TV services. You will not be able to watch it on Hulu or any other free streaming service.
​
Is Spider-Man: Across the Spider-Verse Streaming on Disney Plus?
​
Unfortunately, Spider-Man: Across the Spider-Verse is not currently available to stream on Disney Plus and it's not expected that the film will release on Disney Plus until late December at the absolute earliest.
​
While Disney eventually releases its various studios' films on Disney Plus for subscribers to watch via its streaming platform, most major releases don't arrive on Disney Plus until at least 45-60 days after the film's theatrical release.
​
The sequel opened to $150 million internationally, which Disney reports is 4% ahead of the first film when comparing like for likes at current exchange rates. Overall, the global cume comes to $330 million. Can it become the year's third film to make it past $1 billion worldwide despite China and Russia, which made up around $124 million of the first film's $682 million international box office, being out of play? It may be tough, but it's not impossible. Legging out past $500 million is plausible on the domestic front (that would be a multiplier of at least 2.7), and another $500 million abroad would be a drop of around $58 million from the original after excluding the two MIA markets. It'd be another story if audiences didn't love the film,but the positive reception suggests that Spider-Man: Across the Spider-Verse will outperform the legs on this year's earlier MCU titles (Multiverse of Madness and Love and Thunder had multipliers of 2.2 and 2.3 respectively).
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As for the rest of the box office, there's little to get excited about, with nothing else grossing above $10 million as Hollywood shied away from releasing anything significant not just this weekend but also over the previous two weekends. When Black Panther opened in 2018, there was no counterprogramming that opened the same weekend, but Peter Rabbit and Fifty Shades Freed were in their second weekends and took second and third with $17.5 million and $17.3 million respectively. That weekend had an overall cume of $287 million compared to $208 million this weekend Take away the $22 million gap between the two Black Panther films and there's still a $57 million gap between the two weekends. The difference may not feel that large when a mega blockbuster is propping up the grosses,but the contrast is harsher when the mid-level films are the entire box office as we saw in recent months.
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Spider-Man: Across the Spider-Verse, which is the biggest grosser of the rough post-summer, pre-Spider-Man: Across the Spider-Verse season, came in second with just $8.6 million. Despite the blockbuster competition that arrived in its fourth weekend, the numbers didn't totally collapse, dropping 53 % for a cume of $151 million. Worldwide it is at $352 million, which isn't a great cume as the grosses start to wind down considering its $200 million budget. Still, it's the biggest of any film since Spider-Man: Across the Spider-Verse, though Spider-Man: Across the Spider-Verse will overtake it any day now.
​
Spider-Man: Across the Spider-Verse came in third place in its fourth weekend, down 29% with $6.1 million, emerging as one of the season's most durable grossers and one of the year's few bright spots when it comes to films for adults. The domestic cume is $56.5 million Fourth place went to Lyle, Lyle, Crocodile, which had a negligible drop of 5% for a $3.2 million sixth weekend and $40.8 million cume., in fact )

As the title suggests, i read threads here on basic acceptance of the card but they were old threads in the sense 1-3 month old.
I want to basically know is this card worth taking?.
My spends are basically on following:

1. Uber
2. Zomato
3. Amazon + Prime
4. Myntra
5. Zepto
6. Flipkart (sometimes)
7. Ticket bookings (IRCTC)
8. Ajio
9. Big Basket
10. Netflix
11. Xbox

I also want to know offline acceptance of this card used for petrol, restaurants (big and chain ones), departmental stores (small and big)
Live in Mumbai if thats something worth mentioning and Annual Spends are approx. 4.5L
Suggestions and PROS & CONS if anyone already has this card are please welcome
Also, there is a certain status Quo and premium feel to this card so going with that flow too lol
Cheers and Thanks !
EDIT: For reference currently using ICICI Amazon Pay and i basically dont like to keep more than 1 credit cards with me so i will be closing this card if i apply for Smart Earn

Holding a robust economic position in the global trade market makes the UK a preferred work destination for millions of overseas workers!
A UK work visa is awarded to skilled professionals to enter the country and lead a better quality of life!
Do you need help navigating the intricacies of UK skilled worker visa applications to settle in the global English expansion hub? If yes, then do scroll till the end of this article!
What are the UK Visa Types?
The Points-Based System is the main immigration route for overseas migrants. Based on your desire to invest, train, study, and work in the UK, you can apply for any of the following three visa categories.
1. Short-Term Work Visas in the UK
A short-term UK work visa is valid for a period of six months to one year. They are issued for special work requirements only and are not covered by the point-based system. The examples of short-term visas are:
· Charity worker visa
· Creative worker visa
· Government authorised exchange visa
· International agreement visa
· Religious worker visa
· Seasonal worker visa
· Youth mobility scheme visa
· Graduate visa
Visa Requirements
To be eligible for a short-term UK work visa, you must satisfy certain specific work requirements such as charity and religious work.
In addition to this you would also require savings of at least £1,270 to support yourself in the UK. The minimum age limit for a short-term visa application is 18 years and during your stay in the UK, you shall not be eligible for public funding benefits.
However, you shall be eligible for free healthcare and will be required to pay a healthcare surcharge of up to £624 annually.
2. Long-Term Work Visas in the UK
These are renewable UK work visas and they allow you to enjoy a longer residential stay in the UK. People who have a long-term work visa can eventually even apply for UK citizenship or permanent residence.
​
The categories of visas included under long-term visas are:
· Skilled worker visa
· Healthcare worker visa
· Specialist worker visa
· Minister of religion visa
· International sportsperson visa
· Representative of an overseas business visa
Visa Requirements:
You must score a minimum of 70 points as per the points-based system to acquire a long-term visa in the UK.
50 points for the visa can be acquired by meeting the following requirements:
· Job offer from a licensed sponsor (20 points)
· Entry-level English skills as per the level B1 on the Common European Framework of Reference (10 points)
· Job according to skill level (20 points)
The rest of the 20 points can be acquired by meeting the following requirements:
· The going rate for the job or an annual salary of £25,600 (whichever one is higher) (20 points)
· Job-relevant STEM subject Ph.D (20 points)
· Job offer in a job shortage occupation (20 points)
· Salary in the range of £23,040 to £25,599 (10 points)
Furthermore, you must have savings of at least £1,270 to support your stay in the country.
3. Business Start-Up, Talent, and Entrepreneur Visas in the UK
As of 2022, the UK does not offer a skilled worker visa for freelancers. However, you can avail any of the following two categories:
· Start-Up Visa or Innovator Visa
· Global Talent Visa
Visa Requirements
To apply for either of the above-mentioned visa categories in the UK, you need to acquire an endorsement from a well-recognised talent endorsing body.
Furthermore, you should’ve won a global award in your expertise field to apply for the Global Talent Visa. You must also be above 18 years of age and have basic English competency.
For the Innovator visa, you must have £50,000 as a business capital investment and £1,270 in your savings account.
Talk to the Best UK Visa Consultants
Experience our alluring core competence in UK visa documentation!
If you need professional assistance to enjoy a hassle-free UK work visa application process, then we can help you out with it! We are defined by our smooth and quick visa application process and consultancy services. Our team of UK work permit consultants in Bangalore, Chennai, Delhi, Mumbai, Hyderabad, Kolkata can clarify all your doubts!

My shoe size has gone down from men's 11 to men's size 9 1/2 which when I discovered that kinda blew my mind but, nothing like yesterday when I went to hug my girlfriend and she let me know that I was shorter then her! At first I just thought she was taller than 5'9 which was what I was but, she told me she was 5'7! I thought she was messing with me so I went home and did the whole mark my hight on the wall and measured just to realize that I was in fact shorter then 5'7 😳

I have multiple iPhone 5c devices I've got for use in other devices, mainly for their charging port and display. The LCD, nor the glass is cracked but they do not work, only displaying the backlight, I've had these same symptoms with 5 iphones without me touching them and all from different places. What is this fault and how is it avoidable? What causes this? Was this common? Is there built in serialization that prevents the displays from working? Each of the devices i tried on are tested good and not even on their original phones are they working. Is this fault fixable by any means? Thank you in advance - an old iphone collector.

Universal Pictures! Here’s options for downloading or watching Spider-Man: Across the Spider-Verse streaming the full 𝓂𝑜𝓋𝒾𝑒 online for free on 123𝓂𝑜𝓋𝒾𝑒s & Reddit including where to watch Universal Pictures’ 𝓂𝑜𝓋𝒾𝑒 at home. Is Spider-Man: Across the Spider-Verse 2023 available to stream? Is watching Spider-Man: Across the Spider-Verse on Disney Plus, HBO Max, Netflix or Amazon Prime? Yes we have found an authentic streaming option / service. Details on how you can watch Spider-Man: Across the Spider-Verse 3 for free throughout the year are described below.
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Watch Now📺 Spider-Man: Across the Spider-Verse free reddit
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Download Now 🔴✅👉Spider-Man: Across the Spider-Verse 2023
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Now Is Spider-Man: Across the Spider-Verse available to stream? Is watching Spider-Man: Across the Spider-Verse on Disney Plus, HBO Max, Netflix, or Amazon Prime? Yes, we have found an authentic streaming option/service. A 1950s housewife living with her husband in a utopian experimental community begins to worry that his glamorous company could be hiding disturbing secrets.
​
Showcase Cinema Warwick you'll want to make sure you're one of the first people to see it! So mark your calendars and get ready for a Spider-Man: Across the Spider-Verse 𝓂𝑜𝓋𝒾𝑒 experience like never before. of our other Marvel 𝓂𝑜𝓋𝒾𝑒s available to watch online. We're sure you'll find something to your liking. Thanks for reading, and we'll see you soon! Spider-Man: Across the Spider-Verse is available on our website for free streaming. Details on how you can watch Spider-Man: Across the Spider-Verse for free throughout the year are described
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If you're a fan of the comics, you won't want to miss this one! The storyline follows Spider-Man: Across the Spider-Verse as he tries to find his way home after being stranded on an alien Spider-Man: Across the Spider-Verset. Spider-Man: Across the Spider-Verse is definitely a Spider-Man: Across the Spider-Verse 𝓂𝑜𝓋𝒾𝑒 you don't want to miss with stunning visuals and an action-packed plot! Plus, Spider-Man: Across the Spider-Verse online streaming is available on our website. Spider-Man: Across the Spider-Verse online is free, which includes streaming options such as 123𝓂𝑜𝓋𝒾𝑒s, Reddit, or TV shows from HBO Max or Netflix!
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Spider-Man: Across the Spider-Verse Release in the US
​
Spider-Man: Across the Spider-Verse hits theaters on January 14, 2022. Tickets to see the film at your local 𝓂𝑜𝓋𝒾𝑒 theater are available online here. The film is being released in a wide release so you can watch it in person.
​
How to Watch Spider-Man: Across the Spider-Verse for Free?release on a platform that offers a free trial. Our readers to always pay for the content they wish to consume online and refrain from using illegal means.
​
Where to Watch Spider-Man: Across the Spider-Verse?
​
There are currently no platforms that have the rights to Watch Spider-Man: Across the Spider-Verse 𝓂𝑜𝓋𝒾𝑒 Online.MAPPA has decided to air the 𝓂𝑜𝓋𝒾𝑒 only in theaters because it has been a huge success.The studio , on the other hand, does not wish to divert revenue Streaming the 𝓂𝑜𝓋𝒾𝑒 would only slash the profits, not increase them.
​
As a result, no streaming services are authorized to offer Spider-Man: Across the Spider-Verse 𝓂𝑜𝓋𝒾𝑒 for free. The film would, however, very definitely be acquired by services like Funimation , Netflix, and Crunchyroll. As a last consideration, which of these outlets will likely distribute the film worldwide?
​
Is Spider-Man: Across the Spider-Verse on Netflix?
​
The streaming giant has a massive catalog of television shows and 𝓂𝑜𝓋𝒾𝑒s, but it does not include 'Spider-Man: Across the Spider-Verse.' We recommend our readers watch other dark fantasy films like 'The Witcher: Nightmare of the Wolf.'
​
Is Spider-Man: Across the Spider-Verse on Crunchyroll?
​
Crunchyroll, along with Funimation, has acquired the rights to the film and will be responsible for its distribution in North America.Therefore, we recommend our readers to look for the 𝓂𝑜𝓋𝒾𝑒 on the streamer in the coming months. subscribers can also watch dark fantasy shows like 'Jujutsu Kaisen.'
​
Is Spider-Man: Across the Spider-Verse on Hulu?
​
No, 'Spider-Man: Across the Spider-Verse' is unavailable on Hulu. People who have a subscription to the platform can enjoy 'Afro Samurai Resurrection' or 'Ninja Scroll.'
​
Is Spider-Man: Across the Spider-Verse on Amazon Prime?
​
Amazon Prime's current catalog does not include 'Spider-Man: Across the Spider-Verse.' However, the film may eventually release on the platform as video-on-demand in the coming months.fantasy 𝓂𝑜𝓋𝒾𝑒s on Amazon Prime's official website. Viewers who are looking for something similar can watch the original show 'Dororo.'
​
When Will Spider-Man: Across the Spider-Verse Be on Disney+?
​
Spider-Man: Across the Spider-Verse, the latest installment in the Spider-Man: Across the Spider-Verse franchise, is coming to Disney+ on July 8th! This new 𝓂𝑜𝓋𝒾𝑒 promises to be just as exciting as the previous ones, with plenty of action and adventure to keep viewers entertained. you're looking forward to watching it, you may be wondering when it will be available for your Disney+ subscription. Here's an answer to that question!
​
Is Spider-Man: Across the Spider-Verse on Funimation?
​
Crunchyroll, its official website may include the 𝓂𝑜𝓋𝒾𝑒 in its catalog in the near future. Meanwhile, people who wish to watch something similar can stream 'Demon Slayer: Kimetsu no Yaiba – The 𝓂𝑜𝓋𝒾𝑒: Mugen Train.'
​
Spider-Man: Across the Spider-Verse Online In The US?
​
Most Viewed, Most Favorite, Top Rating, Top IMDb 𝓂𝑜𝓋𝒾𝑒s online. Here we can download and watch 123𝓂𝑜𝓋𝒾𝑒s 𝓂𝑜𝓋𝒾𝑒s offline. 123𝓂𝑜𝓋𝒾𝑒s website is the best alternative to Spider-Man: Across the Spider-Verse's (2021) free online. We will recommend 123𝓂𝑜𝓋𝒾𝑒s as the best Solar𝓂𝑜𝓋𝒾𝑒 alternative There are a
​
few ways to watch Spider-Man: Across the Spider-Verse online in the US You can use a streaming service such as Netflix, Hulu, or Amazon Prime Video. You can also rent or buy the 𝓂𝑜𝓋𝒾𝑒 on iTunes or Google Play. watch it on-demand or on a streaming app available on your TV or streaming device if you have cable.
​
What is Spider-Man: Across the Spider-Verse About?
​
It features an ensemble cast that includes Florence Pugh, Harry Styles, Wilde, Gemma Chan, KiKi Layne, Nick Kroll, and Chris Pine. In the film, a young wife living in a 2250s company town begins to believe there is a sinister secret being kept from her by the man who runs it.
​
What is the story of Spider-Man: Across the Spider-Verse?
​
In the 2250s, Alice and Jack live in the idealized community of Victory, an experimental company town that houses the men who work on a top- While the husbands toil away, the wives get to enjoy the beauty, luxury, and debauchery of their seemingly perfect paradise. However, when cracks in her idyllic life begin to appear, exposing flashes of something sinister lurking below the surface, Alice can't help but question exactly what she's doing in Victory.
​
In ancient Kahndaq, Teth Adam bestowed the almighty powers of the gods. After using these powers for vengeance, he was imprisoned, becoming Spider-Man: Across the Spider-Verse. Nearly 5,000 years have passed, and Spider-Man: Across the Spider-Verse has gone from man to myth to legend. Now free, his unique form of justice, born out of rage, is challenged by modern-day heroes who form the Justice Society: Hawkman, Dr. Fate, Atom Smasher, and Cyclone.
​
Production companies : Warner Bros. Pictures.
​
At San Diego Comic-Con in July, Dwayne “The Rock” Johnson had other people raising eyebrows when he said that his long-awaited superhero debut in Spider-Man: Across the Spider-Verse would be the beginning of “a new era” for the DC Extended Universe naturally followed: What did he mean? And what would that kind of reset mean for the remainder of DCEU's roster, including Superman, Batman, Wonder Woman, the rest of the Justice League, Suicide Squad, Shazam and so
​
Spider-Man: Across the Spider-Verse neared theaters, though, Johnson clarified that statement in a recent sit-down with Yahoo Entertainment (watch above).
​
“I feel like this is our opportunity now to expand the DC Universe and what we have in Spider-Man: Across the Spider-Verse, which I think is really cool just as a fan, is we introduce five new superheroes to the world,” Johnson tells us. Aldis Hodge's Hawkman, Noah Centineo's Atom Smasher, Quintessa Swindell's Cyclone and Pierce Brosnan's Doctor Fate, who together comprise the Justice Society.) “One anti-hero.” (That would be DJ's Spider-Man: Across the Spider-Verse.)
​
“And what an opportunity. The Justice Society pre-dated the Justice League. So opportunity, expand out the universe, in my mind… all these characters interact. That's why you see in Spider-Man: Across the Spider-Verse, we acknowledge everyone: Batman , Superman , Wonder Woman, Flash, we acknowledge everybo****here's also some Easter eggs in there, too.So that's what I meant by the resetting. Maybe resetting' wasn't a good term.only
​
In addition to being Johnson's DC Universe debut, “Spider-Man: Across the Spider-Verse” is also notable for marking the return of Henry Cavill's Superman. The cameo is likely to set up future showdowns between the two characters, but Hodge was completely unaware of it until he saw the film.
​
“They kept that all the way under wraps, and I didn't know until maybe a day or two before the premiere,” he recently said Spider-Man: Across the Spider-Verse (2022) FULL𝓂𝑜𝓋𝒾𝑒 ONLINE
​
Is Spider-Man: Across the Spider-Verse Available On Hulu?Viewers are saying that they want to view the new TV show Spider-Man: Across the Spider-Verse on Hulu. Unfortunately, this is not possible since Hulu currently does not offer any of the free ****odes of this series streaming at this time. the MTV channel, which you get by subscribing to cable or satellite TV services. You will not be able to watch it on Hulu or any other free streaming service.
​
Is Spider-Man: Across the Spider-Verse Streaming on Disney Plus?
​
Unfortunately, Spider-Man: Across the Spider-Verse is not currently available to stream on Disney Plus and it's not expected that the film will release on Disney Plus until late December at the absolute earliest.
​
While Disney eventually releases its various studios' films on Disney Plus for subscribers to watch via its streaming platform, most major releases don't arrive on Disney Plus until at least 45-60 days after the film's theatrical release.
​
The sequel opened to $150 million internationally, which Disney reports is 4% ahead of the first film when comparing like for likes at current exchange rates. Overall, the global cume comes to $330 million. Can it become the year's third film to make it past $1 billion worldwide despite China and Russia, which made up around $124 million of the first film's $682 million international box office, being out of play? It may be tough, but it's not impossible. Legging out past $500 million is plausible on the domestic front (that would be a multiplier of at least 2.7), and another $500 million abroad would be a drop of around $58 million from the original after excluding the two MIA markets. It'd be another story if audiences didn't love the film,but the positive reception suggests that Spider-Man: Across the Spider-Verse will outperform the legs on this year's earlier MCU titles (Multiverse of Madness and Love and Thunder had multipliers of 2.2 and 2.3 respectively).
​
As for the rest of the box office, there's little to get excited about, with nothing else grossing above $10 million as Hollywood shied away from releasing anything significant not just this weekend but also over the previous two weekends. When Black Panther opened in 2018, there was no counterprogramming that opened the same weekend, but Peter Rabbit and Fifty Shades Freed were in their second weekends and took second and third with $17.5 million and $17.3 million respectively. That weekend had an overall cume of $287 million compared to $208 million this weekend Take away the $22 million gap between the two Black Panther films and there's still a $57 million gap between the two weekends. The difference may not feel that large when a mega blockbuster is propping up the grosses,but the contrast is harsher when the mid-level films are the entire box office as we saw in recent months.
​
Spider-Man: Across the Spider-Verse, which is the biggest grosser of the rough post-summer, pre-Spider-Man: Across the Spider-Verse season, came in second with just $8.6 million. Despite the blockbuster competition that arrived in its fourth weekend, the numbers didn't totally collapse, dropping 53 % for a cume of $151 million. Worldwide it is at $352 million, which isn't a great cume as the grosses start to wind down considering its $200 million budget. Still, it's the biggest of any film since Spider-Man: Across the Spider-Verse, though Spider-Man: Across the Spider-Verse will overtake it any day now.
​
Spider-Man: Across the Spider-Verse came in third place in its fourth weekend, down 29% with $6.1 million, emerging as one of the season's most durable grossers and one of the year's few bright spots when it comes to films for adults. The domestic cume is $56.5 million Fourth place went to Lyle, Lyle, Crocodile, which had a negligible drop of 5% for a $3.2 million sixth weekend and $40.8 million cume., in fact )

Read over the list of rules below.
Try a few of them on for size. Add to the list your own personal rules. Write these rules on note cards and put them where you can see them every day.

1. Don’t settle. Every time you settle, you get exactly what you settled for.

2. You are the only person on this planet responsible for your needs, wants, and happiness. 8. Ask for what you want.
3. Control is an illusion. Let go; let life happen.
4. You are old enough to make your own rules.
5. Do not let anyone treat you badly. No one. Ever.
6. If you do what you have always done, you will get what you have always got.
7. Remove yourself from a bad situation instead of waiting for the situation to change.
8. Don’t tolerate the intolerable — ever.
9. If what you are doing isn’t working, try something different.
10. Be clear and direct.
11. Integrity. Decide what feels right to you, then do it.
12. Face difficult situations and conflict head on.
13. Don’t do anything in secret.
14. Be willing to let go of what you have so you can get what you want.
15. Have fun. If you are not having fun, something is wrong.

Long story “short”: I thought I was in a rough spot in life, was getting paid $10/hr ($7) after taxes, working 84 hours a week at a security job in a high crime area. The drive home would be 40-50 minutes on clear roads. Well one night I decided to spark up a blunt on my way home, after I stopped at the gas station for something to eat. I was pulling out of the driveway a patrol unit passed in front of me and I came out the driveway behind him, but I didn’t notice my headlights were off. I made a U Turn and I seen him in my rear view mirror he made a UTurn as well, he ended up pulling me over and told me the reason he pulled me over was because of my headlights being off (it was about 1:50am) before he even asked I told him I had weed in the car with me it was about 1/4 of a blunt, also I was in full duty uniform, he took me out of the car and informed me what I was doing was a felony, I told him that I knew it was and continued on about my “sob” story, he placed me in the back of the unit where he ran my license and everything came out good, I had never even had one single ticket. He searched my vehicle and also I had my dads rifle in the back, he emptied both my pistol and rifle and placed them on the hood of my truck. After that he called the DA who decided not to press any charges on me. He opened the back door and informed me of the good news, I sighed in relief, he then put all my belongings in my truck and uncuffed me, told me that I was a man now and I needed to grow up and stop doing stupid shit. I told him I know and that it wouldn’t happen again. He didn’t give me a ticket or a warning. It has been about a 18 months since that happened and I haven’t touched any drugs, that moment was a real eye opener, since then I have been doing great things in the Private sector like doing Fugitive Recovery, private investigations, and even working Federal security jobs.
Now to my real question, how would this affect my employment with that PD, I definitely learned from it and moved on to better things, I have made friends with a lot of those department’s officers and have multiple references who are willing to put in a good word for me even LTs and CPTs, I have all spoke to them about my situation and doubts and they all tell me the same thing, I wasn’t charged nor arrested and I learned from it and came out a better man on the other side.
I will not say what Department it was but it is a huge city in desperate need of officers.
I am also in great shape, I am dedicated and diligent and KNOW I can perform 99% of any qualified police cadet/candidate.

Ik this is only for certain minorities, I'm sry for y'all Americans. I wanna help y'all out but I don't think self promotion is allowed here ☹️
Alright so if ur a Chinese immigrant / Chinese-American / Canadian / European / whatever ur, ur lucky cuz u / ur parents most likely hv a Chinese ID
Requirement: An email address, a Chinese ID, a 18+ Chinese ID verified alipay, " foreign bank acc / debit / credit card (depends)"
Steps:
1: u need to get ur alipay verified with either - A Chinese ID card - Mainland Travel Permit for Hong Kong and Macao Residents
2: add an email address to ur alipay acc
3: Download wise (u don't need to verify if ur deposit 18000 cny or less)
4: Enter the amount u wanna send then add recipient
5: Choose myself if u verified ur alipay by urself and someone else if it's verified by others
6: *use google translate for this part if u can't read Chinese open the mini-program called "跨境匯款 (remittance)" on alipay then click "我是收款人 (I'm da recipient)" and check what's ur "Chinese name" (cuz ur English name / Cantonese name might be different from ur mandarin name)
7: go back to wise and choose alipay for bank detail then type in ur "Chinese name" [*off topic, ik UnionPay (bank card) and wechat pay r a lil cheaper, BUT IT'S NOT TESTED, and am pretty sure u can't use wechat pay if u verified ur wechat account with a HK / Macau ID. U can try out wechat pay if ur a Chinese citizen tho, cus ik buffuck 163 also supports wechat pay BUT USE AT UR OWN RISK]
8: choose a payment method (it depends on ur country, for my fellow Canadians, u can choose e-transfer, debit/credit card *don't use direct debit unless you hv time, it takes at least 3 days)
9: pay wtf bro
10: u'll get a sms, if not just open the mini-program then click receive (balance) and ur money is here :D
11: ur probs brain-dead if u need a tutorial to deposit on buff
It's probs the fastest (speedy asf ngl) and cheapest way. The fee is decent and it supports almost every single currency with various payment methods. Btw, u can deposit a super small amount, which I hv tried for a few times.
Screenshots (scroll down for more): https://imgur.com/a/i9ZPHqm

I'll try to make this short
Me- He/they
Mother - She/her
Brother - He/him
Father - He/him
When I was around 7 or so I was annoying, acting like a kid. I am scared of the dark and have autophobia so a common punishment for me was that I was to sleep in a room alone without my mother (I used to cling onto her all the time). Every time I got this punishment I'd either not sleep for hours or go bang on my parents door if I worked up enough courage to run down our old creepy hallway.
One day I was punished (don't remember for what) and told I had to sleep alone in my room while everyone else slept in the other room. I didn't care until night fell then I got really scared and anxious so I went to go to my parents, knocking on their door to get my mother to comfort me. They yelled at me and I was probably flickering the lights or pulling on my mother's leg to try and get her out of bed but my father soon had enough, he broke out of the room, pissed off, and started choking me.
My mother had to beg him to let me go as I was desperately kicking and clawing at the hands around my neck, trying to get air. It was about a minute or so before he let go and my mother went with me to sleep in my room, scolding me about annoying my father as I could've gotten myself killed.
This has happened around 2-5 times during my childhood and so I consider my father worse than, or no, equal to my mother in terms of terribleness.
Maybe I was in the wrong here but I highly doubt it as I was just a typical annoying kid, in my eyes at least.

Global Info Research announces the release of the report “Global Mechnical Operating Table(FADEC) Market 2023 by Manufacturers, Regions, Type and Application, Forecast to 2029” . The report is a detailed and comprehensive analysis presented by region and country, type and application. As the market is constantly changing, the report explores the competition, supply and demand trends, as well as key factors that contribute to its changing demands across many markets. Company profiles and product examples of selected competitors, along with market share estimates of some of the selected leaders for the year 2023, are provided. In addition, the report provides key insights about market drivers, restraints, opportunities, new product launches or approvals, COVID-19 and Russia-Ukraine War Influence.
According to our (Global Info Research) latest study, the global Mechnical Operating Table market size was valued at USD million in 2022 and is forecast to a readjusted size of USD million by 2029 with a CAGR of % during review period. The influence of COVID-19 and the Russia-Ukraine War were considered while estimating market sizes.
Key Features:
Global Mechnical Operating Table(FADEC) market size and forecasts, in consumption value), sales quantity, and average selling prices, 2018-2029
Global Mechnical Operating Table(FADEC) market size and forecasts by region and country, in consumption value, sales quantity, and average selling prices, 2018-2029
Global Mechnical Operating Table(FADEC) market size and forecasts, by Type and by Application, in consumption value, sales quantity, and average selling prices, 2018-2029
Global Mechnical Operating Table(FADEC) market shares of main players, shipments in revenue, sales quantity, and ASP, 2018-2023
The Primary Objectives in This Report Are:
To determine the size of the total market opportunity of global and key countries
To assess the growth potential for Mechnical Operating Table(FADEC)
To forecast future growth in each product and end-use market
To assess competitive factors affecting the marketplace
This report profiles key players in the global Mechnical Operating Table(FADEC) market based on the following parameters - company overview, production, value, price, gross margin, product portfolio, geographical presence, and key developments.
Request Free Sample Copy Or buy this report at:
https://www.globalinforesearch.com/reports/1535315/mechnical-operating-table
The Mechnical Operating Table(FADEC) market is segmented as below:
Market segment by Type
General Surgical Beds Specialty Surgical Beds
Market segment by Application
Hospitals Ambulatory Surgical Centers Specialty Clinics & Trauma Centers
Major players covered
Torontech Hill-Rom Holdings, Inc. Steris Plc. Stryker Corp. Getinge AB Mizuho Corporation (Mizuho OSI, Inc.) Skytron LLC Alvo Medical Allengers Medical Systems Ltd. NUOVA BN Shenzhen Mindray Bio-Medical Electronics Co., Ltd.
The Main Contents of the Report, includes a total of 15 chapters:
Chapter 1, to describe Mechnical Operating Table(FADEC) product scope, market overview, market estimation caveats and base year. Chapter 2, to profile the top manufacturers of Mechnical Operating Table(FADEC), with price, sales, revenue and global market share of Mechnical Operating Table(FADEC) from 2018 to 2023. Chapter 3, the Mechnical Operating Table(FADEC) competitive situation, sales quantity, revenue and global market share of top manufacturers are analyzed emphatically by landscape contrast. Chapter 4, the Mechnical Operating Table(FADEC) breakdown data are shown at the regional level, to show the sales quantity, consumption value and growth by regions, from 2018 to 2029. Chapter 5 and 6, to segment the sales by Type and application, with sales market share and growth rate by type, application, from 2018 to 2029. Chapter 7, 8, 9, 10 and 11, to break the sales data at the country level, with sales quantity, consumption value and market share for key countries in the world, from 2017 to 2022.and Mechnical Operating Table(FADEC) market forecast, by regions, type and application, with sales and revenue, from 2024 to 2029. Chapter 12, market dynamics, drivers, restraints, trends, Porters Five Forces analysis, and Influence of COVID-19 and Russia-Ukraine War. Chapter 13, the key raw materials and key suppliers, and industry chain of Mechnical Operating Table(FADEC). Chapter 14 and 15, to describe Mechnical Operating Table(FADEC) sales channel, distributors, customers, research findings and conclusion.
The analyst presents a detailed picture of the market by the way of study, synthesis, and summation of data from multiple sources by an analysis of key parameters. Our report on the Mechnical Operating Table(FADEC) market covers the following areas:
Columnar Sediment Sampler market sizing
Columnar Sediment Sampler market forecast
Columnar Sediment Sampler market industry analysis
Analyze the needs of the global Mechnical Operating Table(FADEC)business market
Answer the market level of global Mechnical Operating Table(FADEC)
Statistics the annual growth of the global Mechnical Operating Table(FADEC)production market
The main producers of the global Mechnical Operating Table(FADEC)production market
Describe the growth factor that promotes market demand
Global Info Research is a company that digs deep into global industry information to support enterprises with market strategies and in-depth market development analysis reports. We provides market information consulting services in the global region to support enterprise strategic planning and official information reporting, and focuses on customized research, management consulting, IPO consulting, industry chain research, database and top industry services. At the same time, Global Info Research is also a report publisher, a customer and an interest-based suppliers, and is trusted by more than 30,000 companies around the world. We will always carry out all aspects of our business with excellent expertise and experience.
Contact Us:
GlobaI Info Research
Web: https://www.globalinforesearch.com
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Hello
I have a network containing of multiple VLANs. In this setup, I have a Mikrotik CCR1009 Router and a WireGuard GW Server (Box).
In VLAN50, the Router has two IP addresses: a VRRP IP of 172.16.50.1 and a VLAN IP of 172.16.50.7. The WireGuard GW Server has the IP 172.16.50.100.
I also have a NAS on VLAN70. In this VLAN, the Router has a VRRP IP of 172.16.70.1 and a VLAN IP of 172.16.70.7. The NAS has the IP 172.16.70.10.
Now, I have a VPN Client connected to the WireGuard GW Server. The WireGuard GW Server has the IP 192.168.99.1 within the VPN, and the VPN Client has the IP 192.168.99.10.
When the VPN Client (192.168.99.10) tries to access the NAS (172.16.70.10), it works, but there is a delay of several seconds to establish the TCP connection. When analyzing with Wireshark, I can see TCP retransmissions.
Interestingly, if I disable the "Drop Invalid" rules on the Forwarding chain of the Mikrotik Router, the delay and TCP retransmissions no longer occur.
Any idea what is causing this?
My Mikrotik Forward chain:

19 ;;; accept established, related chain=forward action=accept connection-state=established,related log=no log-prefix="" 20 ;;; drop invalid chain=forward action=drop connection-state=invalid log=no log-prefix="invalid" 21 ;;; drop all from WAN not DSTNATed chain=forward action=drop connection-nat-state=!dstnat in-interface-list=WAN log=no log-prefix="" 

I have also set up a route on the Mikrotik for the network 192.168.99.0/24 to go through 172.16.50.100.
The WireGuard GW Server has an iptables rule to masquerade packets going out of the GW Server interface with VPN IP as source:

-A POSTROUTING -s 192.168.99.0/24 -o enp1s0 -j MASQUERADE 

When enabling logging on the drop invalid forwarding chain rule I get this messages:

09:11:54 firewall,info invalid forward: in:vrrp50 out:vlan70, connection-state:invalid src-mac 52:54:00:xx:xx:xx, proto TCP (ACK), 172.16.50.100:41452->172.16.70.10:5000, len 52 09:11:54 firewall,info invalid forward: in:vrrp50 out:vlan70, connection-state:invalid src-mac 52:54:00:xx:xx:xx, proto TCP (ACK,PSH), 172.16.50.100:41452->172.16.70.10:5000, len 630 09:11:55 firewall,info invalid forward: in:vrrp50 out:vlan70, connection-state:invalid src-mac 52:54:00:xx:xx:xx, proto TCP (ACK,PSH), 172.16.50.100:41452->172.16.70.10:5000, len 630 09:11:55 firewall,info invalid forward: in:vrrp50 out:vlan70, connection-state:invalid src-mac 52:54:00:xx:xx:xx, proto TCP (ACK,PSH), 172.16.50.100:41452->172.16.70.10:5000, len 630 09:11:55 firewall,info invalid forward: in:vrrp50 out:vlan70, connection-state:invalid src-mac 52:54:00:xx:xx:xx, proto TCP (ACK,PSH), 172.16.50.100:41452->172.16.70.10:5000, len 630 

https://imgur.com/a/PsnGysC

Original Source: https://boringmoney.in/p/sebi-mutual-funds-ter-performance (my newsletter Boring Money. Do visit the link to subscribe if you'd like to receive similar posts in your inbox)
--
Here’s how mutual funds make money:

1. An investor gives the fund some money to manage
2. The fund manages it by investing that money in stocks, bonds, etc.
3. The mutual fund company charges a management fee for this service, which is a fixed percentage of whatever it manages

The incentive here is clear. The fund needs to increase the amount of money that it manages. One way for a fund to do this is by, well, investing well. If a fund’s investment goes up in value, it automatically manages more money. But investing well is hard, slow, and not a lot of fun. The fun way to manage more money is just getting more money from your investors. That way, the fund needn’t worry too much about how the fund performs, the company running the fund makes money either way.
Last month, SEBI released a consultation paper that reevaluates how mutual funds charge for their services. The paper has 15-odd proposals but I’m only writing about the couple interesting ones. Here’s a post from Zerodha that summarises all proposals, if you’d like to see them all on one page.
SEBI doesn’t particularly like that the only way for mutual funds to make money is by accumulating more money from investors. One solution it’s considering is to allow mutual funds to charge not just for money management, but for performance. Sure, let mutual funds take some money for managing these assets, but if the fund performs well, give the fund company a decent chunk of the profits as well. That’s how hedge funds work, and arguably they do have a lot more fun with their investments. [1]
Here are two possible approaches that SEBI is considering. From its consultation paper:

Approach A: During the period in which the investor remains invested, the base expense ratio may be charged to the investor. At the time of redemption, the management fees may be charged if return of more than indicative rate is generated or annualised returns received by the investor is above the hurdle rate. … Approach B: There can be another approach where higher expense limit for performance based TER [percentage fee] may be fixed and TER inclusive of management fees is charged to the investor. The TER charged by the schemes in such cases should be based on the schemes’ performance during the previous year. At the time of redemption by the investor, if AMC fails to generate return above the indicative returns for investor or the annualised returns for the investor is below the hurdle rate fixed in advance, the AMC may retain base TER as may be applicable and return the remaining expenses charged to the investor, along with the redemption amount.

In Approach A, if you invest in a mutual fund, you’re charged the regular management fee right until you withdraw your money. When you do withdraw, the fund deducts a nice chunk from your profits (beyond a certain agreed upon threshold) and returns the rest. In Approach B, the fund just charges you a higher management fee to begin with. When you actually withdraw, it calculates your profit and returns any extra money it might have charged earlier. This is very different from how hedge funds are paid! The general rule with investments is that you’ll have good years and you’ll have bad years. If a hedge fund has a good year, it’s going to charge for performance right away and take away its share of the profit before it gets to a bad year. If a SEBI-regulated mutual fund has a good year, it’s not going to be paid until the investor withdraws! In the management fee model, a mutual fund is incentivised to convince investors to invest as much as possible. In this performance fee model, a mutual fund is incentivised to convince investors to.. withdraw?
I really understand what SEBI is trying to do here. Hedge funds take a lot of risk and often go crazy. If the risk pays off, they’ll earn a lot that year. If the same risk doesn’t pay off the next year, bahh, the investor might lose half their capital but at least the hedge fund got paid the year it did do well. Going by SEBI’s proposal, mutual funds will have to care about their investors’ real returns which will be a mix of both the good and bad years. Sure, it might work. But I wouldn’t be surprised if mutual funds just get their investors to withdraw more often to lock-in their share of the profits.
Grass is greener on the side of the new fund
A well known phenomenon of the Indian investment market is that investors don’t invest by themselves. They need a bit of a push and prod. Even if they want to invest, they need help with how much and where.
Mutual fund companies rely on distributors to sell their funds to end customers. Because, well, most investors don’t ever download an app and start investing. They buy through distributors who they trust! In return, these distributors also get a fixed percentage fee, just like the mutual fund company itself. [2] Since these distributors sit in-between the mutual fund company and the investor, it gives them quite a bit of power.

1. If a mutual fund company is starting a new fund, it will ask its distributors to convince investors to buy this newShinyFund. This newShinyFund will give distributors a higher-than-usual distribution commission
2. The distributor now goes to their customers and asks them to invest in this newShinyFund because it’s new and shiny. But the customer won’t just have large chunks of money lying around to invest. So the distributor will say “hey why don’t you just transfer your money from oldBoringFund to newShinyFund—I’ll do it for you”
3. The customer says “yeah, cool” and they’re now an investor in newShinyFund which pays more to both the distributor as well as the mutual fund company

27% of the money in new mutual fund schemes launched between April 2021 and September 2022 came from old mutual fund schemes. In one case, this figure was over 55%. Over time, newShinyFund would become oldBoringFund, and the mutual fund company could just launch a newNewShinyFund and well, distributors would then sell that and life would go on.
SEBI’s proposal is ending this! If a distributor switches an investor from oldBoringFund to newShinyFund, but oldBoringFund pays less commission than newShinyFund, they still get paid the lower commission even if their customer is now switched into newShinyFund. I’m sure mutual funds and their distributors will find a way around this sooner or later, but for now, the incentive to push new funds is lost. [3]
They see me regulatin’, they hatin’
One way of looking at SEBI is that as a regulator it needs to ensure there’s transparency and let market participants handle the rest. SEBI is, after all, a market regulator, so it would be a bit weird if it didn’t believe in market forces.
Going by this line of thought, SEBI wouldn’t propose barring distributors being paid more to switch their customers into new funds. If a mutual fund company wants investors in its shiny new fund, and it’s willing to pay distributors more to achieve that, why does SEBI see it as a problem? Its job is to ensure that the investor knows what’s happening, but then it’s up to the investor to choose what they want to do.
I can imagine a solution that wouldn’t limit how much commission distributors get, but instead force them to explicitly inform every investor just how much more money they stand to make if the investor buys into the new fund. “Hey there’s this fund that’s great and you should invest in it maybe. It’s new and shiny, can I transfer your money to it, pretty please? If you say yes, I get to take my wife and kids to Europe this year.” I’m sure some investors would say yes, but presumably the majority would not.
Footnotes [1 ] Here’s an Investopedia piece on the “9 Biggest Hedge Fund Failures”. Hedge funds, even those managing billions of dollars, often take on a lot of risk and frequently implode. Mutual funds rarely (never) do.
[2] These days, it makes little sense for anyone to invest via a distributor and lose money in the form of a lifelong commission. There are tens of fintech apps which allow for direct investing, as do almost all mutual fund websites.
[3 ] The SEBI regulation applies when a distributor “switches” their customer’s money from one fund to another. If the same customer first withdraws their money, then re-invests in the new fund recommended by their distributor, the distributor can then get the new, higher commission. Definitely a more annoying and time-consuming process though.
Source: https://boringmoney.in/p/sebi-mutual-funds-ter-performance