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AI Effect: 'Nearly 3 Mn Jobs Are At Risk In India'
In the next 36 months nearly 25 to 40 per cent of jobs will be under threat from AI and job losses are inevitable.
Nepal faces secondary flash flood threat
Tempsens Instruments Shares Zoom Over 111% on Blockbuster Debut
Shares of temperature sensing and heating solutions provider Tempsens Instruments (India) Ltd listed with a massive premium of over 111 per cent against its issue price of Rs 300, reaching a market valuation of Rs 4,934.81 crore.
Indian Bank turns to gold loans, treasury gains
Google's Vizag AI Hub: Construction by '28, Full Ops in 5 Years
Google aims to complete the first phase of its 1 gigawatt artificial intelligence (AI) data centre hub in Visakhapatnam by late 2028, with full operations across all phases expected within five years, according to Alexander Smith, Principal of Global Infrastructure and Energy for Asia Pacific at Google.
How Much Dividend Did Tata Sons Earn Under Chandra?
Chandra's tenure also saw a big jump in Tata Sons' other income, such as brand fee from group companies, treasury gains, and other non-recurring income.
The US needs more aluminium and it needs it now
Railways may fine you Rs 1,000 for doing this
Weddings, leisure and corporate comeback put Indias hotels on a stronger H2 path: Report
India's hotel sector anticipates stronger growth in the latter half of FY27. Robust domestic leisure demand and recovering corporate travel will drive this expansion. Industry occupancy and average room rates saw increases in the first quarter. Limited new hotel supply is expected to support room rates and RevPAR. Demand outlook remains positive as international travel gradually recovers.
Govt achieves 78% of FY27 divestment, asset monetisation Budget target in Apr-Aug
More than half of disinvestment proceeds comes from 6.5% stake sale in LIC which garnered 31,515 crore
Many salaried people are financially strained at month-end, highlighting the need for better spending habits. Experts recommend having three bank accounts for budgeting purposes: one for daily expenses, one for emergencies, and one for investments, but caution about risks like minimum balance fees.
7 house plants that keep multiplying: Buy them once and grow your collection for years
Some plants can keep multiplying after you buy them once, helping you expand your garden without repeatedly spending money. Spider plants and strawberries produce runners, aloe vera and snake plants develop offsets, while mint spreads through rhizomes. With proper care and propagation, one healthy plant can gradually become several new plants.
Pamela Anderson has found joy and fitness in gardening, making it her go-to activity. This wholesome endeavor not only enhances energy expenditure through NEAT but also engages different muscle groups and clears the mind. Read on to know how gardening helps in stay fit.
Govt achieves 78% of FY27 divestment, asset monetisation target in Apr-Aug
The government has achieved about 78 per cent of the FY27 budgeted disinvestment and asset monetisation target of Rs 80,000 crore within 5 months of the financial year. The government has raised Rs 55,757 crore so far this fiscal through minority stake sale in 9 PSUs, including the big ticket ones like LIC and Coal India, as well as strategic sale of Indian Medicines Pharmaceuticals Corporation Ltd and remittances from SUUTI. More than half of the disinvestment proceeds came from the 6.5 per cent stake sale in Life Insurance Corp (LIC) which garnered Rs 31,515 crore. Further, a 2 per cent share sale in Coal India fetched about Rs 5,542 crore, while a 6.01 per cent stake dilution in NHPC fetched Rs 4,357 crore to the exchequer. Earlier this week, the government sold 6 per cent stake in Hindustan Copper to raise Rs 3,041 crore. The other entities in which the government disinvested its stake are Central Bank of India, NLC India, GIC, IRFC, Cochin Shipyard and Hindustan Copper. Besi
India, Canada reiterate commitment to complete trade deal by end of 2026
A joint statement, issued by the Finance Ministers of both countries following the conclusion of the inaugural India-Canada Finance Ministers Economic and Financial Dialogue in Toronto, said that India had expressed its readiness to begin negotiations on a Bilateral Investment Treaty at the earliest
In 1989, the space shuttle Discovery transported thirty-two fertilized chicken eggs into microgravity. Although younger embryos did not endure the five-day trip, the older ones hatched successfully, exhibiting slight alterations in their inner ear development. Initiated by a student's curiosity, this experiment provides valuable insights for future space endeavors, highlighting the necessity for the vestibular system to adapt to varying gravitational environments.
Nepal issues new flood warning after dam breach in Tibet
Nepal authorities issued a fresh flood warning after water levels rose significantly. Rising water mixed with mud increased the risk of another dangerous flood event. A water dam on the Tibetan side reportedly burst again, raising further concerns. Rescue teams continue searching for missing people while monitoring the new flood risk. The warning covers areas around the Bhote Koshi and Trishuli rivers.
US judge blocks Trump executive order on mail-in ballots ahead of midterm elections
A federal judge blocked President Trump's executive order concerning mail-in ballots. This ruling came just days after the Supreme Court lifted a previous block. The order sought to restrict mail-in voting ahead of the midterm elections. Judge Indira Talwani cited the impracticality and potential unconstitutionality of the directive. The Trump administration is expected to appeal this significant judicial decision.
Reservoir storage in 4 of 5 Indian regions tops 60%
35% of the dams are still half empty as the level in the 166 major reservoirs rises to 68 per cent of the capacity
Hormuz crisis adds $22 bn to India's fossil fuel import costs: CREA
In terms of economic impact, India's net additional cost across all fossil fuels was estimated at $14.4 billion, equivalent to 0.38 per cent of its GDP, or about 1.4 days of national income
India sends its Fab 4 across the world to woo trade, tech, energy and capital
India engages key partners, focusing on border management and energy security. Discussions with China now include investment alongside boundary talks. Russia talks address energy supplies and a widening trade imbalance. Japan and Canada visits seek investment and manufacturing partnerships. These engagements align with India's upcoming hosting of the BRICS summit.
Real honey vs fake honey: 4 easy home tests to check honey purity, texture, moisture and more
True honey boasts a rich and viscous nature that flows at a leisurely pace. You can initially gauge its quality with simple home tests like the thumb and water tests, which assess its consistency and response to water or skin. However, these techniques fall short of conclusively verifying purity. For accurate results, laboratory testing stands as the most dependable approach to identify any adulteration.
King Harald V, Norway's reform-minded head of state, dies at 89
Norway's King Harald, Europe's oldest monarch, died peacefully at age eighty-nine. He reigned for over three decades, modernizing the monarchy's ceremonial role. His death occurs during multiple challenges facing the Norwegian royal family. Support for the monarchy has seen a slight decline in recent polls. Crown Prince Haakon will now ascend the throne as Norway's fourth king.
Govts onion buffer stock quality good; CWC storage aids shelf life: Consumer Affairs Secy
The government has stepped up efforts to improve onion availability as retail prices rise sharply across Delhi and other consumption centres
Sushmita Sen, Miss Universe 1994, recalled a profound lesson from her father about the emotions people hide. He once told her, You see my smile and miss my tears hidden within. Sen said she understood its meaning much later, realising there can be a distance between what people express and feel inside, with silence often bridging that gap.
Marie Curie became a widow in 1906 at 38, raising two young daughters while continuing her scientific career. She succeeded Pierre Curie at the Sorbonne, pursued groundbreaking research into radioactivity and produced pure radium. In 1911, she won her second Nobel Prize, becoming the first person to receive two Nobel Prizes and the only individual awarded them in two scientific fields. Her daughter Irne later became a Nobel laureate herself.
Kanda Express arrives in Delhi with 453 tonnes of onion to curb price rise
The first 'Kanda Express', a dedicated rail rake carrying 453.65 tonnes of onion from Nashik, Maharashtra, has arrived in Delhi to boost supplies and help rein in soaring prices, with the onion to be sold at a subsidised rate of Rs 35 per kg.
TV star Kamya Punjabi recently opened up about facing years of marital abuse in her first marriage to businessman Bunty Negi. The duo divorced in 2013 and have one daughter. In a recent interview, the actress admitted she did her best to hide the abuse she faced.
The Centre assures good quality of its onion buffer stock, refuting spoilage claims. Dedicated rail rakes are transporting onions to major cities to boost supplies. This initiative is expected to help rein in rising retail onion prices soon. The kharif and rabi crop outlooks are also promising for future availability. Onion availability remains comfortable to meet domestic demand in the coming months.
Looking to buy pet insurance? Here's all you need to check before finalising a policy
India is witnessing a growing pet population and rising veterinary costs, which are driving demand for pet insurance. In 2025, the pet insurance market reached 3,152 crore and is expected to grow further to 9,478 crore by 2034.
Odisha govt probes Vedanta plant over excess water usage
Vedanta Ltd's aluminium plant in Jharsuguda, Odisha, is under regulatory scrutiny by the state's Water Resources department regarding its water sources and drawal history. This follows a complaint alleging unauthorised groundwater extraction and previous financial demands for illegal water use, with the National Green Tribunal also seeking responses on environmental concerns.
'Ethanol Blending Has Not Led to Sugar's Price Rise'
'The ethanol blended with petrol programme should not be halted or reconsidered.' 'India is not experiencing a structural sugar shortage, and the ethanol blending roadmap does not compete with food security or drive domestic price increases.'
Raksha Bandhan 2026: From gold to stocks, financial gifts to give your sibling
Rather than opting for conventional presents this Raksha Bandhan 2026, families can consider gifts that offer lasting financial value and reflect the festivals message of protection and care.
Sebi 'close' to approving NSE IPO, chairman highlights market resilience
The Securities and Exchange Board of India (Sebi) is reportedly 'close' to approving the National Stock Exchange's (NSE) initial public offering (IPO) draft documents, with an expected market debut by early next month. Sebi Chairman Tuhin Kanta Pandey also emphasised the regulator's focus on enhancing market resilience against evolving risks, including technology failures and the impact of artificial intelligence.
'Kanda Express' with 453 tonnes of onion from Nashik reaches Delhi to help cool prices
The first Kanda Express, carrying 453.65 tonnes of onion in 21 wagons, reached the national capital in the morning, Consumer Affairs Secretary Nidhi Khare said
GCCs to keep India office mkt growing
NBFCs enter new cyclical recovery, PAT seen rising 24% in FY27: Motilal Oswal
Non-banking financial companies are entering a new cyclical recovery phase. Loan growth and asset quality improvements are expected to drive earnings higher. Profit after tax for NBFCs is projected to grow significantly in upcoming fiscal years. However, geopolitical risks and monsoon conditions pose potential challenges to this recovery. Interest rates may also rise, impacting funding costs and profit margins for some firms.
Ola Electric brings indigenous Bharat Cell LFP tech to mass market with all-new S1Z
Ola Electric introduces the S1Z scooter featuring indigenous LFP battery technology. This new range aims to bring advanced technology to the mass market segment. The S1Z will be available in two variants with different battery capacities. Deliveries for these models are scheduled to commence in late 2026 and early 2027. The company is expanding its retail network through dealer-operated stores.
Indian SMEs bring global ambitions to Singapore exhibition
The two-day Business Show Asia exhibition brings together over 8,000 business owners, entrepreneurs and industry leaders
The romantic drama Hi, featuring Nayanthara and Kavin, has hit theaters today. Netizens have watched the film and now the verdict is out. Audiences are highlighting the undeniable chemistry between the leads and the film's lighthearted humor, which contributes to an enjoyable viewing experience. Read on to know more about their views and movie.
50,000 monthly income from FD: Corpus, interest rate and tax explained
To earn 50,000 a month in 2026, retirees need an FD corpus ranging from roughly 70.6 lakh to 1 crore, depending on the interest rate (6-8.5%), while factoring in TDS, senior citizen tax deductions under the Income-tax Act 2025, and post-tax income for retirement planning.
Digitisation of processes not reform, simplify governance to boost growth: EAC-PM member Sanyal
Sanjeev Sanyal stressed that true reform simplifies governance, not just digitisation. Operational bottlenecks must be identified and redesigned before technology is applied. Prioritising difficult processes improves business and living ease for citizens. Chhatrapati Sambhajinagar should develop its own tourism model for sustained economic activity. The region can become a leading industrial centre by combining heritage and modern capabilities.
India, Canada aim to conclude trade talks by 2026-end in bid to boost bilateral trade
Both countries target expanding bilateral trade to CAD 70 billion, or around 4.65 lakh crore, by 2030
Oil Prices Firm on West Asia Disruption, $100/bbl Risk Looms
Oil prices are expected to remain elevated due to disruptions in the Strait of Hormuz, with both the US Energy Information Administration (EIA) and Rabobank International forecasting firm prices and a potential surge above $100 a barrel if disruptions worsen.
Real Estate's Two-Speed Market: Office Leasing, REITs Boom While Housing Pre-Sales Slip
Office leasing hit an all-time high and REIT penetration doubled in five years, even as listed developers posted their steepest quarterly drop in home sales in years.
How and why Zee founder Subhash Chandra's Rs 22,006 crore debt was chopped to just Rs 6.5 crore
The NCLT approved Subhash Chandra's insolvency plan, allowing a settlement of Rs 22,006 crore claims for Rs 6.25 crore. Dissenting lenders find this payout unviable, while government sources call the haircut figure misleading. Chandra disputes the total claim amount against him, stating it is lower. Creditors retain rights against principal borrowing companies and their assets. The case is exceptional and not a template for other insolvency resolutions.
Quantum Computing: AI's Next Frontier
Quantum computing is set to redefine artificial intelligence, cybersecurity, and scientific discovery, promising unprecedented speeds and capabilities while also necessitating urgent development of quantum-safe security measures and strategic enterprise readiness, says Sunil Varghese.
Peter Cullen, the iconic voice behind Optimus Prime, has passed away at the age of 85. Renowned for his powerful vocal presence, his talents extended to popular characters like Eeyore from Winnie-the-Pooh and the Predator. His impressive career spanned multiple decades, majorly influencing animation and film.
Stock Markets on Aug 28: Sensex, Nifty Gain On Rally In IT Stocks
Indian benchmark equity indices, Sensex and Nifty, rebounded in early trade after two days of losses, driven by strong buying in blue-chip IT stocks and a rally in global markets.
Summer moong procurement in Madhya Pradesh touches a record 5.33 lakh tonnes this year
Agriculture Minister Shivraj Singh Chouhan stated that the Indian government approved the procurement of 4.54 lakh tonnes of summer moong for the 2026 season at Madhya Pradeshs request
Rupee declines 10 paise to 95.55 against US dollar during early trade
The rupee fell 10 paise to 95.55 against the US dollar in early trade on Friday, weighed by FII outflows and sustained disruptions in global crude oil supplies. However, a marginally weaker greenback and a fall in global crude oil prices to levels below USD 90/barrel prevented a sharper decline in the local unit, forex traders said. At the interbank foreign exchange, the rupee opened at 95.54 against the greenback before slipping further to 95.55, down 10 paise from its previous close. The rupee pared initial gains and settled for the day lower by 1 paise at 95.45 against the US dollar on Thursday. The rupee is expected to be in a narrow range of 95.40 to 95.60 (on Friday) with the Reserve Bank of India (RBI) protecting the upper end, while the lower end is bought by oil importers, month-end demand and importers, Anil Kumar Bhansali, Head of Treasury and Executive Director, Finrex Treasury Advisors LLP, said. Forex traders further said market participants will closely monitor US
Celebrating a paid-off home loan is essential, but ensure to collect original documents, including sale deeds and No Dues Certificates. Per RBI guidelines, lenders must return these within 30 days; failure results in compensation.
TVS Motor names insider Peyman Kargar as CEO, replacing Radhakrishnan
Peyman Kargar will become TVS Motor's new Chief Executive Officer in 2027. He brings over three decades of global automotive industry experience to the role. Kargar previously led Nissan's luxury brand Infiniti and Datsun operations. He has also held senior positions at Renault Group across several regions. Kargar's appointment aims to accelerate growth through innovation and market expansion.
Retiring early with VRS? Know its taxation
A French village destroyed during a 1944 World War II massacre was deliberately never rebuilt. Instead, its ruined streets, homes and church were preserved as a memorial to the 643 people killed there. France continues to conserve the site, including traces of bullets and fire, so future generations can understand the scale of the tragedy and remember the community that once lived there.
Trump vowed quick Iran win, now in no hurry
Banks Oppose Subhash Chandra Repayment Plan
'Resolution plan with this much haircut is totally unviable.'
Gold and silver prices today, 28 August: Check the latest 24K, 22K gold and 999 silver retail rates across Delhi, Mumbai, Kolkata and other major Indian cities, along with MCX market updates.
Iraq opens oil exports beyond Hormuz after months of war, eyes ship-to-ship route off Oman
Iraq now allows crude oil collection outside the Persian Gulf for buyers. This move comes as exports continue through the Strait of Hormuz despite disruptions. Iraq's state oil marketer is offering specific crude grades via ship-to-ship transfer. This shift follows previous steep discounts offered to entice buyers. The country aims for higher economic benefits through secure transport routes.
Small caps, thematic funds, global risks: Groww AMCs Anupam Tiwari on where investors should look
Thematic and small-cap funds may offer growth, but they demand patience and discipline. Groww AMCs Anupam Tiwari explains where these bets fit and where investors should tread carefully.
8th Pay Commission fitment factor: 3.61, 3.833 or 4.00? What proposed salary hike means
The 8th Pay Commission fitment factor remains undecided, with several employee and pensioner organisations seeking factors of 3.61, 3.833 and 4.00. Heres what each proposal could mean for minimum basic pay, pensions and central government employees.
China's help vital but unlikely on Iran
Raksha Bandhan: How to gift mutual funds to your sibling? Know the process and key conditions
This Raksha Bandhan, gift mutual fund units to your sibling instead of a traditional present. Know the transfer process, eligibility, charges, tax treatment, NRI and minor rules, and what happens to SIPs after gifting.
With Alpha, The Whisper Man, Bandar and Babita Singh Reporting offering thrillers and crime dramas, while Dark Matter Season 2, Part-Timers, Anbe Diana and Chumbak explore sci-fi, friendship, romance and family relationships, this weeks OTT lineup has enough variety to keep weekend viewers busy.
Delhi-based founder and CA Kanan Bahl shared how a young CFA changed his views on long working hours. She refused to work beyond 6:30 pm but remained highly focused, avoided unnecessary breaks and office banter, and rarely spoke unless work-related. Bahl said she accomplished more in nine hours than many employees working 13-hour days. He concluded that productivity depends more on focus and discipline than clocking long hours.
Centre moves to de-risk aircraft leasing, financing
MoCA panel examining taxation, bankruptcy-remote structures, lessor protection and financing mechanisms at GIFT IFSC
Barclays targets Indias billionaires as private banking competition intensifies
Barclays is targeting Indias wealthiest founders and business owners as it seeks to expand its private banking business amid intensifying competition. The lender is leveraging its international network and capital-markets expertise to serve ultra-rich Indians with global assets, aiming for double-digit growth and deeper relationships with the countrys top promoters.
Top tech and startup stories to start your day with
Buying health insurance in 2026? Check these 7 factors before choosing a policy
Best health insurance policy 2026 India: compare sum insured, exclusions, waiting period, co-payment, sub-limits, network hospitals, top-up plans & no-claim bonus before buying a family floater.
Ankur Warikoo reflected on how he went from playing with his sister every day for 15 years to speaking with her once or twice a month. He said college, the US, relationships, marriage and separate homes gradually created distance. Warikoo believes siblings are often taken for granted because we assume they will always be there. His advice: send a simple Hey today.
Banks will remain closed in several states on 28 August for Raksha Bandhan. The closures are state-specific, while online banking, UPI, NEFT, RTGS, and ATM services will continue. Customers should check their local bank's holiday schedule before visiting a branch.
Trump administration weighs US ownership stake in Venezuelas vast oil reserves: Report
The Trump administration is discussing a potential US ownership stake in Venezuelas oil industry, Axios reported, covering more than a dozen fields holding about 90 billion barrels of proven reserves. The proposal could bring private US companies into developing the assets, increase Venezuelan oil revenues and significantly expand US access to crude.
SBI sees corporate loan pipeline at Rs 5 lakh crore: CS Setty, SBI, Chairman
The State Bank of India forecasts a significant surge in corporate loan prospects, aiming for 5 lakh crore as companies pivot towards investments in renewable energy and battery storage solutions. SBI remains steadfast in its goal to secure $10 billion through FCNR(B) deposits while confidently targeting a 14-15% growth in credit. With robust capital buffers, banks are better positioned to navigate future economic fluctuations.
HDFC Bank, LIC Housing Finance to contest Zee resolution
HDFC Bank and LIC Housing Finance will challenge the NCLT ruling on the Zee Group debt settlement. The approved plan includes a small payment from Subhash Chandra as guarantor. Several lenders had opposed this repayment plan, which was approved by the majority. Government officials clarified Chandra was a guarantor, not the principal borrower.
OpenAI agent out of the sandbox: New details unfold
Semiconductor GCCs set to add 10K jobs in India
Startup block-deal rush tests private valuations
Food packets may have to spill the beans
India's food regulator is considering new front-of-pack nutrition labelling for packaged foods. This system would highlight excessive fat, salt, or sugar content on food packages. The regulator is also exploring varied assessment thresholds based on typical serving sizes. This move follows Supreme Court scrutiny over the prolonged delay in implementing such standards. Industry representatives support clear, science-based nutrition information for consumers.
Vodafone Idea plans to repay 49,000 crore spectrum dues in 3 years
Vodafone Idea plans to pay nearly 49,000 crore in spectrum dues over the next three years, with payments of about 7,000 crore in FY27, 15,000 crore in FY28 and 27,000 crore in FY29. The telco expects to fund these through higher EBITDA, internal cash generation and fresh bank funding, while also pursuing a 45,000-crore network expansion plan.
A man found himself losing his dream job within moments, and after months of trying to be gainfully employed and failing, he ended up with a less than perfect job washing dishes that paid less than $11 an hour. Taking to Reddit, the despondent Reddit user shared his story.
Hindalco Industries expands specialty Alumina portfolio
Hindalco Industries commissioned a new facility for specialty alumina in Belagavi. This new plant will produce flame-retardant products for various safety applications. The company is also planning several more specialty alumina facilities soon. These expansions will significantly increase Hindalco's total specialty alumina capacity.
Demand for vaccines surges as H1N1, other influenza cases see a sharp rise
Demand for flu vaccines has significantly increased this year. At-home vaccination services are seeing a substantial rise in bookings. Rapid testing requests are also growing from various Indian cities. This surge is driven by elevated viral spread and increased awareness. Experts recommend annual vaccinations and usual protective measures.
NTPC plans to treble capacity to 244GW by 2037, invest 16.86 lakh crore
NTPC plans to nearly triple its power generation capacity by 2037. The company will invest significantly in renewable and nuclear power expansion. This investment will also cover battery and pumped storage systems. NTPC aims to contribute substantially to the nation's nuclear energy target.
Banks, companies better positioned to weather next downturn: CS Setty, SBI, Chairman
The chairman of the State Bank of India underscores the nation's economic resilience, emphasizing the bank's robust standing in the financial sector. With a growth forecast of 7.5% and inflation consistent with RBI predictions, SBI is gearing up for a remarkable 14-15% rise in credit, driven by retail and SME sectors. The bank is also focusing on enhancing its fee income while aiming for a 1% return on assets.
ACME Solar raises Rs 1,571 crore for 300 MW Rajasthan power project
ACME Solar Holdings announced 1,571 crore project funding from IIFCL. This financing will develop ACME Renewtech Sixth's 300 MW assured peak power project. The company has now secured 10,976 crore in financing this fiscal year. The project's power purchase agreement is with Solar Energy Corporation of India. This agreement is for twenty-five years at a tariff of 6.28 per unit.
7 Baby Names From Ancient Rome That Sound Majestic And Have Pop Culture Significance
7 Baby Names From Ancient Rome That Sound Majestic And Have Pop Culture Significance
India needs Rs 30 lakh crore to hit 500 GW clean-energy target: Pralhad Joshi
India needs over 30 lakh crore investment for its 500 GW non-fossil fuel target. Domestic financial institutions and capital markets will fund much of this significant green-energy expansion. The nation has already surpassed 300 GW of installed non-fossil fuel capacity. Renewable energy capacity grew substantially in the first four months of FY27. Maharashtra is urged to showcase projects and attract global developers at BRESE 2026.
HDFC Bank's CEO call gains urgency as Sashidhar Jagdishan's term nears end
The timeline stands in contrast to Jagdishan's previous reappointment. HDFC Bank's board had recommended a fresh three-year term for him on March 4, 2023, nearly eight months before his first tenure was due to expire. The Reserve Bank of India approved the appointment in September that year.
Gaana, Fenix360 team up to create direct artist-fan ecosystem
Gaana and Fenix360 have partnered to launch a new artist-fan ecosystem. This integration combines discovery, engagement, and monetization within the Gaana app. Artists can now build digital storefronts and offer merchandise directly to fans. The platform also enables ticket sales and paid live streams for artists. This new ecosystem aims to foster stronger artist-audience connections and revenue streams.
