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H&M group’s  Afound – an innovative off-price marketplace – launches in 2018

Afound will be a marketplace, a “style- and deal-hunting paradise” selling discounted fashion and lifestyle products, with both external and the H&M group’s own brands, offering a wide range of well-known, popular brands for both women and men. Afound will present a carefully selected, season-less range from Swedish and international brands in a variety of price segments both online and in physical stores. Afound will also launch unique, limited product releases from a range of brands, all at attractive prices.

“We see big potential for Afound and are looking forward to introducing the marketplace to our audience in Sweden in 2018. Afound cares about both the value of the products and the mix. And by offering personal style inspiration, quality labels, and the sense that you’re getting a really good deal, Afound will offer a new form of off-price experience”, says Fredrik Svartling, Managing Director of Afound.

Afound’s marketplace will be launched both online and with physical stores, starting in Sweden, in 2018. The first store will open on Drottninggatan in Stockholm in parallel with the launch of the digital marketplace in Sweden.

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Electrolux: Operating margin target achieved for 2017

Electrolux reached an operating margin of 6.1% during 2017, an improvement of close to 20%. This was an important step on the journey towards profitable growth, supported by a strong focus on product portfolio management and cost efficiencies. The year ended with a strong fourth quarter delivering an organic growth of 4% and a margin of 6.1%.

In 2017, we had a consistent focus on driving sustainable profitability through portfolio management and cost efficiencies. As a result, we improved earnings across all our business areas and generated a margin of more than 6%. I am very pleased with the performance in 2017 and especially that we in the fourth quarter managed to grow our business in a profitable way, with an organic growth of 4%. With that we took an important next step on our journey towards profitable growth.

Most business areas reported organic sales growth in the quarter and growth was particularly strong in Latin America, where organic sales grew by 30%. I am also very pleased that our strong focus in EMEA on new innovative products is paying off and that our premium brands continued to gain market share, contributing to an organic sales growth of 4%. In North America, sales under our own brands increased but could not offset the decline in volumes under private labels.

In the quarter an operating margin above 8% was achieved by four business areas, which was a result of volume growth and strong mix improvements. The positive earnings trend for our operations in EMEA, Asia Pacific and Home Care & SDA continued. Performance for Professional Products remained solid.

During 2017, all business areas delivered strong performance improvements. EMEA continued its favorable profitability trend and delivered a margin of 7.2%. Our operations in North America reached a record margin of 6.8%, while Asia Pacific delivered a high margin of 7.5%. We saw a solid turn-around in Latin America, and continued strong traction in Home Care & SDA with a 5.5% margin. Finally, Professional Products continued its profitable growth journey, improving the operating income to over 1 billion SEK for the first time.

We continued to strengthen our product offering through acquisitions, driving growth in new markets and segments. During the quarter, we completed the acquisition of the Continental brand in Brazil. In January, we agreed to acquire the German professional laundry company Schneidereit, helping expand our offering into functional sales and rental solutions.

The overall positive demand trend across most markets in 2017 is expected to continue in 2018. We anticipate market demand for appliances in Europe to grow by 1-2% and in North America by 2-3% in 2018. In Latin America we expect market recovery to continue in 2018 with a growth rate of 3-5%.

We have seen an increase in raw material prices and therefore, we now forecast the negative impact from raw-material costs in 2018 to be approximately SEK 1.2 billion with up to SEK 200 million risk. We will continue our efficiency measures to offset this headwind and also implement previously announced price increases. Changes in currencies will at current rates have a slightly negative impact for the Group.

Our focus in 2018 will be to enter the next step in our journey towards targeted profitable growth. We will continue our focus on launching new innovative products to create best in class consumer experiences. We are stepping up investments focusing on product innovations and automation to support further profitable growth to SEK 6 billion in 2018. A key part of this is the significant investment announced in our North American operation that will provide a competitive new range of innovative kitchen products under our Frigidaire brand. Our ambition to shape living for the better by reinventing taste, care and wellbeing experiences continues.

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Euro (-0.07%) vs. Pound Sterling at £0.8759 // Rising Pound (+0.93%) vs. US-Dollar at $1.4202  //  BoE Gov. Carney: ”Likelihood of a disorderly Brexit was somewhat lower

UK BoE Gov. Mr. Carney:  “Brexit negotiations affect the exchange rate”; Likelihood of a disorderly Brexit was somewhat lower

London: Bank of England governor Mark Carney told the House of Lords the likelihood of a disorderly Brexit was somewhat lower

However, the Bank of England is not biased towards any particular outcome of the Brexit process, its governor, Mark Carney, told the House of Lords on late Tuesday.

Top officials at the Bank, including Carney and deputy governors, have previously warned that leaving the EU without a deal could cause economic damage, and have pushed for a transitional deal to cover UK/EU trade until a trade agreement is struck.

"We don’t have a bias, in terms of the outcome," Carney told the economics committee at the House of Lordss. "We look at the economic forces!

The danger of a "disorderly Brexit", in which the UK and EU cannot agree a trade deal, has become "less likely", Carney said. Once the UK gains certainty in the Brexit process it will boost business investment, he added.

Meanwhile, Carney also made a rare intervention into the discussion around the UK's inflation measures. He called for a single main measure for UK inflation.

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Wall Street stocks tumbled, where the Dow posted its largest decline since May on Tuesday.

Traders were closely studying Trump's major speech Wednesday, in particular his call for a $1.5 trillion investment plan to renew the country's creaking transport infrastructure. Markets hope the spending plan could provide another stimulus to the world's largest economy.

US stocks are under pressure from a spike in Treasury bond yields, ahead of a US Federal Reserve policy announcement tonight that could signal an acceleration in interest rate increases this year. 

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Euro higher (+0.22%) vs. US-Dollar at $1.2436  //  US-Dollar Unimpressed By First Trump State of the Union Speech; President stuck to already familiar rhetoric.

The President welcomed by most Republicans, but defintely not by Democrats

The US-Dollar found little in the way of directional guidance from President Donald Trump's first State of the Union Address. The benchmark currency remained confined to the choppy range carved out over the preceding weeks against an average of its major counterparts.

Commenting on domestic economic policy, Mr. Trump called on Congress to pass a $1.5 trillion infrastructure-spending plan, with federal dollars to be matched by municipal and private sector contributions. He stressed that the plan must limit permit approval times to two years.

The President also presented a wish list of workforce development initiatives. He called on Congress to invest in vocational training and to support paid family leave. An unspecified initiative to boost job prospects for former convicts was also mentioned.

On trade policy, Mr Trump said that America has turned the page on decades of unfair deals. He told other nations they can expect strong rule enforcement and extolled trade relations that are "fair and reciprocal". This closely matched comments made at the World Economic Forum in Davos last week.

The greenback's muted response probably reflects the address' limited offering of concrete policy details. Trump's push for infrastructure spending was a major campaign promise and widely expected by the markets. Beyond that, the President stuck to already familiar and almost certainly priced-in rhetoric.

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The latest smartphone OS data from Kantar Worldpanel ComTech shows more growth for Android

The Kantar Worldpanel ComTech data reveals that in the three months ending December 2017, iOS market share fell by 2.4 percentage points in the UK – but made an overall share gain of 0.7 percentage points to 24.8% across the big five European markets. Android share grew by 3.3 percentage points to dominate the UK market with 55.3%.

But Apple made gains elsewhere: strong results in Spain and Germany, where iOS is nearing a quarter of the market, were also replicated in urban China, Japan and Australia thanks to the performance of Apple’s newest three handsets. Indeed, the flagship iPhone X made it into the top three best-selling devices in the month of December across Europe, urban China, Japan, Australia and the United States. iOS loyalty reached a new high in the US – of iPhone owners who changed device, 96% bought another model from Apple – though its sales share fell 0.5 percentage points to 43.9% in the country. 

Despite a strong performance by iOS across most markets, Android losses have to some extent been cushioned by the rapid fall of Windows, whose share now stands at under 1% in all markets except Italy. Just 0.2% of smartphone operating systems in the UK are Windows.

These full results for the last quarter of the year show that Apple’s decision to release three new handsets over a staggered period, including the ultra high-end iPhone X, has been a sound one.  With Apple’s existing release structure, expectations would always be that the flagship model would be the top selling device in key developed markets, but with the premium price of iPhone X, real life affordability has come into play. Given that in December iPhone X made it into the top three best-selling devices across all key regions, particularly in urban China where it was the top selling model, the pricing strategy seems to have been vindicated. (The iPhone X was the best-selling model in the UK in both November and December 2017.)

Samsung’s performance in the final quarter of 2017 should not be overlooked. In Europe, Samsung gave a very strong performance, with sales share of its smartphones up 2.2 percentage points to 31.3%, growing ahead of not just Apple but also Huawei, which has enjoyed a prolonged period of accelerated growth. In the UK, Samsung sales share is up 1.2 percentage points year-on-year to 27.5%, with the mid-tier Samsung Galaxy A series now making up 1 in 5 of Samsung Galaxy sales compared to 1 in 10 the previous year.

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ING posts 2017 net result of EUR 4,905 million; 4Q17 net result of EUR 1,015 million

ING records continued commercial growth and further progress on Think Forward strategic priorities

·              ING grew retail customer base in 4Q17 by 500,000 to 37.4 million, and primary relationships reached 10.8 million

·              Net core lending in 4Q17 increased by EUR 6.8 billion; net customer deposit inflow amounted to EUR 2.7 billion

ING 4Q17 underlying pre-tax result of EUR 1,560 million; FY2017 underlying pre-tax result 2.4% up on 2016

·              Solid result reflects business growth at resilient margins, growth in commission income and low risk costs

·              ING's full-year underlying ROE at 10.2%; fully loaded CET1 ratio improved to 14.7%; FY2017 dividend of EUR 0.67 per share

CEO statement

"Our commitment to our customers and progress in accelerating our Think Forward strategy are evident in the good results and continued customer growth we posted for both the fourth quarter and full year 2017," said Ralph Hamers, CEO of ING.

"Our global customer base grew to 37.4 million over the year, including a 900,000 increase in the number of primary customers to 10.8 million. Our most recent net promoter scores among customers rank us first in 9 of our 13 retail markets, an achievement I am quite proud of."

"We continue to improve the experience of our customers through both our own innovations as well as through strategic partnerships. In the Netherlands, a new digital tool for small business customers links receipts and bills directly to transactions, giving customers one platform for their administration and banking. And just this week, we agreed to acquire a 75% stake in leading payments service provider Payvision, a partnership we think will strongly benefit our customers."

"Innovation is changing banking at lightning speed. One such change is blockchain, which has the potential to profoundly alter financial services by making banking better, safer, simpler, faster and cheaper for clients. Blockchain is a priority for us as we build the bank of the future, and our team had a couple of major achievements recently. These include creating blockchain code that's nearly 10 times more efficient in ensuring privacy, and using blockchain to create digital platforms for agricultural and energy commodity trades, the latter through a venture with other partners. These are milestones, and the collaboration required to achieve them symbolises the very spirit of cooperation inherent to blockchain's success."

"We strive to make a positive impact on the world through our financing and took important steps in the fourth quarter to contribute to a low-carbon and self-reliant society, which is the focus of our sustainability activities. For example, we announced that we will accelerate the reduction of our exposure to coal power generation to close to zero by 2025. This is part of our eff ort to support the energy transition that's needed to combat climate change."

"Wholesale Banking is an important contributor to the success of our Think Forward strategy. In November we announced that the Wholesale Banking business will be aligned even more around the needs and expectations of our clients, including initiatives to move to a stronger sector organisation and strengthen our international network. This will help us become a more efficient, client-focused business that offers a consistent experience across borders."

"Overall, there was strong commercial growth over 2017, with EUR 26.9 billion of net core lending growth at resilient margins and a EUR 19.0 billion net increase in customer deposits. ING's full-year underlying pre-tax result rose 2.4% to EUR 7,199 million, and the full-year underlying return on equity was 10.2%. Operating expenses rose in the fourth quarter as we stepped up our digital investments. We remain committed to the targets we communicated when we announced the acceleration of the Think Forward Strategy in October 2016. We are pleased to propose a full-year 2017 cash dividend of EUR 0.67 per share, comprising the August 2017 interim dividend of EUR 0.24 and a final dividend of EUR 0.43 per share."

"I'm proud of the steps we took in 2017 to prepare ING for the future while executing on our Customer Promise. The continued growth of new customers coming to ING shows that we are living up to this promise and empowering customers to stay a step ahead in life and in business."

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Euro Flash: Brent: $67,95 (-0.78%), EUR>(+0,22%)>US-Dollar: $1.2435, EUR>(-0,01%) Pound>£0.8765, AEX: 561,00 (-0.90%), DJI: 26.076 (-1.37%)

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Full Text President Trump's State of the Union Address

The following is President Trump's State of the Union address, as prepared for delivery:

Mr. Speaker, Mr. Vice President, Members of Congress, the First Lady of the United States, and my fellow Americans:

Less than 1 year has passed since I first stood at this podium, in this majestic chamber, to speak on behalf of the American People -- and to address their concerns, their hopes, and their dreams. That night, our new Administration had already taken swift action. A new tide of optimism was already sweeping across our land.

Each day since, we have gone forward with a clear vision and a righteous mission -- to make America great again for all Americans.

Over the last year, we have made incredible progress and achieved extraordinary success. We have faced challenges we expected, and others we could never have imagined. We have shared in the heights of victory and the pains of hardship. We endured floods and fires and storms. But through it all, we have seen the beauty of America's soul, and the steel in America's spine.

Each test has forged new American heroes to remind us who we are, and show us what we can be.

We saw the volunteers of the "Cajun Navy," racing to the rescue with their fishing boats to save people in the aftermath of a devastating hurricane.

We saw strangers shielding strangers from a hail of gunfire on the Las Vegas strip.

We heard tales of Americans like Coast Guard Petty Officer Ashlee Leppert, who is here tonight in the gallery with Melania. Ashlee was aboard one of the first helicopters on the scene in Houston during Hurricane Harvey. Through 18 hours of wind and rain, Ashlee braved live power lines and deep water, to help save more than 40 lives. Thank you, Ashlee.

We heard about Americans like firefighter David Dahlberg. He is here with us too. David faced down walls of flame to rescue almost 60 children trapped at a California summer camp threatened by wildfires.

To everyone still recovering in Texas, Florida, Louisiana, Puerto Rico, the Virgin Islands, California, and everywhere else -- we are with you, we love you, and we will pull through together.

Some trials over the past year touched this chamber very personally. With us tonight is one of the toughest people ever to serve in this House -- a guy who took a bullet, almost died, and was back to work three and a half months later: the legend from Louisiana, Congressman Steve Scalise.

We are incredibly grateful for the heroic efforts of the Capitol Police Officers, the Alexandria Police, and the doctors, nurses, and paramedics who saved his life, and the lives of many others in this room.

In the aftermath of that terrible shooting, we came together, not as Republicans or Democrats, but as representatives of the people. But it is not enough to come together only in times of tragedy. Tonight, I call upon all of us to set aside our differences, to seek out common ground, and to summon the unity we need to deliver for the people we were elected to serve.

Over the last year, the world has seen what we always knew: that no people on Earth are so fearless, or daring, or determined as Americans. If there is a mountain, we climb it. If there is a frontier, we cross it. If there is a challenge, we tame it. If there is an opportunity, we seize it.

So let us begin tonight by recognizing that the state of our Union is strong because our people are strong.

And together, we are building a safe, strong, and proud America.

Since the election, we have created 2.4 million new jobs, including 200,000 new jobs in manufacturing alone. After years of wage stagnation, we are finally seeing rising wages.

Unemployment claims have hit a 45-year low. African-American unemployment stands at the lowest rate ever recorded, and Hispanic American unemployment has also reached the lowest levels in history.

Small business confidence is at an all-time high. The stock market has smashed one record after another, gaining $8 trillion in value. That is great news for Americans' 401k, retirement, pension, and college savings accounts.

And just as I promised the American people from this podium 11 months ago, we enacted the biggest tax cuts and reforms in American history.

Our massive tax cuts provide tremendous relief for the middle class and small businesses.

To lower tax rates for hardworking Americans, we nearly doubled the standard deduction for everyone. Now, the first $24,000 earned by a married couple is completely tax-free. We also doubled the child tax credit.

A typical family of four making $75,000 will see their tax bill reduced by $2,000 -- slashing their tax bill in half.

This April will be the last time you ever file under the old broken system -- and millions of Americans will have more take-home pay starting next month.

We eliminated an especially cruel tax that fell mostly on Americans making less than $50,000 a year -- forcing them to pay tremendous penalties simply because they could not afford government-ordered health plans. We repealed the core of disastrous Obamacare -- the individual mandate is now gone.

We slashed the business tax rate from 35 percent all the way down to 21 percent, so American companies can compete and win against anyone in the world. These changes alone are estimated to increase average family income by more than $4,000.

Small businesses have also received a massive tax cut, and can now deduct 20 percent of their business income.

Here tonight are Steve Staub and Sandy Keplinger of Staub Manufacturing -- a small business in Ohio. They have just finished the best year in their 20-year history. Because of tax reform, they are handing out raises, hiring an additional 14 people, and expanding into the building next door.

One of Staub's employees, Corey Adams, is also with us tonight. Corey is an all-American worker. He supported himself through high school, lost his job during the 2008 recession, and was later hired by Staub, where he trained to become a welder. Like many hardworking Americans, Corey plans to invest his tax cut raise into his new home and his two daughters' education. Please join me in congratulating Corey.

Since we passed tax cuts, roughly 3 million workers have already gotten tax cut bonuses -- many of them thousands of dollars per worker. Apple has just announced it plans to invest a total of $350 billion in America, and hire another 20,000 workers.

This is our new American moment. There has never been a better time to start living the American Dream.

So to every citizen watching at home tonight -- no matter where you have been, or where you come from, this is your time. If you work hard, if you believe in yourself, if you believe in America, then you can dream anything, you can be anything, and together, we can achieve anything.

Tonight, I want to talk about what kind of future we are going to have, and what kind of Nation we are going to be. All of us, together, as one team, one people, and one American family.

We all share the same home, the same heart, the same destiny, and the same great American flag.

Together, we are rediscovering the American way.

In America, we know that faith and family, not government and bureaucracy, are the center of the American life. Our motto is "in God we trust."

And we celebrate our police, our military, and our amazing veterans as heroes who deserve our total and unwavering support.

Here tonight is Preston Sharp, a 12-year-old boy from Redding, California, who noticed that veterans' graves were not marked with flags on Veterans Day. He decided to change that, and started a movement that has now placed 40,000 flags at the graves of our great heroes. Preston: a job well done.

Young patriots like Preston teach all of us about our civic duty as Americans. Preston's reverence for those who have served our Nation reminds us why we salute our flag, why we put our hands on our hearts for the pledge of allegiance, and why we proudly stand for the national anthem.

Americans love their country. And they deserve a Government that shows them the same love and loyalty in return.

For the last year we have sought to restore the bonds of trust between our citizens and their Government.

Working with the Senate, we are appointing judges who will interpret the Constitution as written, including a great new Supreme Court Justice, and more circuit court judges than any new administration in the history of our country.

We are defending our Second Amendment, and have taken historic actions to protect religious liberty.

And we are serving our brave veterans, including giving our veterans choice in their healthcare decisions. Last year, the Congress passed, and I signed, the landmark VA Accountability Act. Since its passage, my Administration has already removed more than 1,500 VA employees who failed to give our veterans the care they deserve -- and we are hiring talented people who love our vets as much as we do.

I will not stop until our veterans are properly taken care of, which has been my promise to them from the very beginning of this great journey.

All Americans deserve accountability and respect -- and that is what we are giving them. So tonight, I call on the Congress to empower every Cabinet Secretary with the authority to reward good workers -- and to remove Federal employees who undermine the public trust or fail the American people.

In our drive to make Washington accountable, we have eliminated more regulations in our first year than any administration in history.

We have ended the war on American Energy -- and we have ended the war on clean coal. We are now an exporter of energy to the world.

In Detroit, I halted Government mandates that crippled America's autoworkers -- so we can get the Motor City revving its engines once again.

Many car companies are now building and expanding plants in the United States -- something we have not seen for decades. Chrysler is moving a major plant from Mexico to Michigan; Toyota and Mazda are opening up a plant in Alabama. Soon, plants will be opening up all over the country. This is all news Americans are unaccustomed to hearing -- for many years, companies and jobs were only leaving us. But now they are coming back.

Exciting progress is happening every day.

To speed access to breakthrough cures and affordable generic drugs, last year the FDA approved more new and generic drugs and medical devices than ever before in our history.

We also believe that patients with terminal conditions should have access to experimental treatments that could potentially save their lives.

People who are terminally ill should not have to go from country to country to seek a cure -- I want to give them a chance right here at home. It is time for the Congress to give these wonderful Americans the "right to try."

President Trump says terminally ill patients should have access to experimental treatments that could potentially save their lives and should not have to go from country to country to seek a cure.

One of my greatest priorities is to reduce the price of prescription drugs. In many other countries, these drugs cost far less than what we pay in the United States. That is why I have directed my Administration to make fixing the injustice of high drug prices one of our top priorities. Prices will come down.

America has also finally turned the page on decades of unfair trade deals that sacrificed our prosperity and shipped away our companies, our jobs, and our Nation's wealth.

The era of economic surrender is over.

From now on, we expect trading relationships to be fair and to be reciprocal.

We will work to fix bad trade deals and negotiate new ones.

And we will protect American workers and American intellectual property, through strong enforcement of our trade rules.

As we rebuild our industries, it is also time to rebuild our crumbling infrastructure.

America is a nation of builders. We built the Empire State Building in just 1 year -- is it not a disgrace that it can now take 10 years just to get a permit approved for a simple road?

I am asking both parties to come together to give us the safe, fast, reliable, and modern infrastructure our economy needs and our people deserve.

Tonight, I am calling on the Congress to produce a bill that generates at least $1.5 trillion for the new infrastructure investment we need.

Every Federal dollar should be leveraged by partnering with State and local governments and, where appropriate, tapping into private sector investment -- to permanently fix the infrastructure deficit.

Any bill must also streamline the permitting and approval process -- getting it down to no more than two years, and perhaps even one.

Together, we can reclaim our building heritage. We will build gleaming new roads, bridges, highways, railways, and waterways across our land. And we will do it with American heart, American hands, and American grit.

We want every American to know the dignity of a hard day's work. We want every child to be safe in their home at night. And we want every citizen to be proud of this land that we love.

We can lift our citizens from welfare to work, from dependence to independence, and from poverty to prosperity.

As tax cuts create new jobs, let us invest in workforce development and job training. Let us open great vocational schools so our future workers can learn a craft and realize their full potential. And let us support working families by supporting paid family leave.

As America regains its strength, this opportunity must be extended to all citizens. That is why this year we will embark on reforming our prisons to help former inmates who have served their time get a second chance.

Struggling communities, especially immigrant communities, will also be helped by immigration policies that focus on the best interests of American workers and American families.

For decades, open borders have allowed drugs and gangs to pour into our most vulnerable communities. They have allowed millions of low-wage workers to compete for jobs and wages against the poorest Americans. Most tragically, they have caused the loss of many innocent lives.

President Trump says Americans are grieving for Evelyn Rodriguez, Freddy Cuevas, Elizabeth Alvarado and Robert Mickens whose daughters Kayla Cuevas and Nisa Mickens were killed on Long Island.

Here tonight are two fathers and two mothers: Evelyn Rodriguez, Freddy Cuevas, Elizabeth Alvarado, and Robert Mickens. Their two teenage daughters -- Kayla Cuevas and Nisa Mickens -- were close friends on Long Island. But in September 2016, on the eve of Nisa's 16th Birthday, neither of them came home. These two precious girls were brutally murdered while walking together in their hometown. Six members of the savage gang MS-13 have been charged with Kayla and Nisa's murders. Many of these gang members took advantage of glaring loopholes in our laws to enter the country as unaccompanied alien minors - and wound up in Kayla and Nisa's high school.

Evelyn, Elizabeth, Freddy, and Robert: Tonight, everyone in this chamber is praying for you. Everyone in America is grieving for you. And 320 million hearts are breaking for you. We cannot imagine the depth of your sorrow, but we can make sure that other families never have to endure this pain.

Tonight, I am calling on the Congress to finally close the deadly loopholes that have allowed MS-13, and other criminals, to break into our country. We have proposed new legislation that will fix our immigration laws, and support our ICE and Border Patrol Agents, so that this cannot ever happen again.

The United States is a compassionate nation. We are proud that we do more than any other country to help the needy, the struggling, and the underprivileged all over the world. But as President of the United States, my highest loyalty, my greatest compassion, and my constant concern is for America's children, America's struggling workers, and America's forgotten communities. I want our youth to grow up to achieve great things. I want our poor to have their chance to rise.

So tonight, I am extending an open hand to work with members of both parties -- Democrats and Republicans -- to protect our citizens of every background, color, religion, and creed. My duty, and the sacred duty of every elected official in this chamber, is to defend Americans -- to protect their safety, their families, their communities, and their right to the American Dream. Because Americans are dreamers too.

Here tonight is one leader in the effort to defend our country: Homeland Security Investigations Special Agent Celestino Martinez -- he goes by C.J. C.J. served 15 years in the Air Force before becoming an ICE agent and spending the last 15 years fighting gang violence and getting dangerous criminals off our streets. At one point, MS-13 leaders ordered C.J.'s murder. But he did not cave to threats or fear. Last May, he commanded an operation to track down gang members on Long Island. His team has arrested nearly 400, including more than 220 from MS-13.

C.J.: Great work. Now let us get the Congress to send you some reinforcements.

Over the next few weeks, the House and Senate will be voting on an immigration reform package.

In recent months, my Administration has met extensively with both Democrats and Republicans to craft a bipartisan approach to immigration reform. Based on these discussions, we presented the Congress with a detailed proposal that should be supported by both parties as a fair compromise -- one where nobody gets everything they want, but where our country gets the critical reforms it needs.

Here are the four pillars of our plan:

The first pillar of our framework generously offers a path to citizenship for 1.8 million illegal immigrants who were brought here by their parents at a young age -- that covers almost three times more people than the previous administration. Under our plan, those who meet education and work requirements, and show good moral character, will be able to become full citizens of the United States.

The second pillar fully secures the border. That means building a wall on the Southern border, and it means hiring more heroes like C.J. to keep our communities safe. Crucially, our plan closes the terrible loopholes exploited by criminals and terrorists to enter our country -- and it finally ends the dangerous practice of "catch and release."

The third pillar ends the visa lottery -- a program that randomly hands out green cards without any regard for skill, merit, or the safety of our people. It is time to begin moving towards a merit-based immigration system -- one that admits people who are skilled, who want to work, who will contribute to our society, and who will love and respect our country.

The fourth and final pillar protects the nuclear family by ending chain migration. Under the current broken system, a single immigrant can bring in virtually unlimited numbers of distant relatives. Under our plan, we focus on the immediate family by limiting sponsorships to spouses and minor children. This vital reform is necessary, not just for our economy, but for our security, and our future.

In recent weeks, two terrorist attacks in New York were made possible by the visa lottery and chain migration. In the age of terrorism, these programs present risks we can no longer afford.

It is time to reform these outdated immigration rules, and finally bring our immigration system into the 21st century.

These four pillars represent a down-the-middle compromise, and one that will create a safe, modern, and lawful immigration system.

For over 30 years, Washington has tried and failed to solve this problem. This Congress can be the one that finally makes it happen.

Most importantly, these four pillars will produce legislation that fulfills my ironclad pledge to only sign a bill that puts America first. So let us come together, set politics aside, and finally get the job done.

These reforms will also support our response to the terrible crisis of opioid and drug addiction.

In 2016, we lost 64,000 Americans to drug overdoses: 174 deaths per day. Seven per hour. We must get much tougher on drug dealers and pushers if we are going to succeed in stopping this scourge.

My Administration is committed to fighting the drug epidemic and helping get treatment for those in need. The struggle will be long and difficult -- but, as Americans always do, we will prevail.

As we have seen tonight, the most difficult challenges bring out the best in America.

We see a vivid expression of this truth in the story of the Holets family of New Mexico. Ryan Holets is 27 years old, and an officer with the Albuquerque Police Department. He is here tonight with his wife Rebecca. Last year, Ryan was on duty when he saw a pregnant, homeless woman preparing to inject heroin. When Ryan told her she was going to harm her unborn child, she began to weep. She told him she did not know where to turn, but badly wanted a safe home for her baby.

In that moment, Ryan said he felt God speak to him: "You will do it -- because you can." He took out a picture of his wife and their four kids. Then, he went home to tell his wife Rebecca. In an instant, she agreed to adopt. The Holets named their new daughter Hope.

Ryan and Rebecca: You embody the goodness of our Nation. Thank you, and congratulations.

As we rebuild America's strength and confidence at home, we are also restoring our strength and standing abroad.

Around the world, we face rogue regimes, terrorist groups, and rivals like China and Russia that challenge our interests, our economy, and our values. In confronting these dangers, we know that weakness is the surest path to conflict, and unmatched power is the surest means of our defense.

For this reason, I am asking the Congress to end the dangerous defense sequester and fully fund our great military.

As part of our defense, we must modernize and rebuild our nuclear arsenal, hopefully never having to use it, but making it so strong and powerful that it will deter any acts of aggression. Perhaps someday in the future there will be a magical moment when the countries of the world will get together to eliminate their nuclear weapons. Unfortunately, we are not there yet.

Last year, I also pledged that we would work with our allies to extinguish ISIS from the face of the Earth. One year later, I am proud to report that the coalition to defeat ISIS has liberated almost 100 percent of the territory once held by these killers in Iraq and Syria. But there is much more work to be done. We will continue our fight until ISIS is defeated.

Army Staff Sergeant Justin Peck is here tonight. Near Raqqa last November, Justin and his comrade, Chief Petty Officer Kenton Stacy, were on a mission to clear buildings that ISIS had rigged with explosives so that civilians could return to the city.

Clearing the second floor of a vital hospital, Kenton Stacy was severely wounded by an explosion. Immediately, Justin bounded into the booby-trapped building and found Kenton in bad shape. He applied pressure to the wound and inserted a tube to reopen an airway. He then performed CPR for 20 straight minutes during the ground transport and maintained artificial respiration through 2 hours of emergency surgery.

Kenton Stacy would have died if not for Justin's selfless love for a fellow warrior. Tonight, Kenton is recovering in Texas. Raqqa is liberated. And Justin is wearing his new Bronze Star, with a "V" for "Valor." Staff Sergeant Peck: All of America salutes you.

Terrorists who do things like place bombs in civilian hospitals are evil. When possible, we annihilate them. When necessary, we must be able to detain and question them. But we must be clear: Terrorists are not merely criminals. They are unlawful enemy combatants. And when captured overseas, they should be treated like the terrorists they are.

In the past, we have foolishly released hundreds of dangerous terrorists, only to meet them again on the battlefield -- including the ISIS leader, al-Baghdadi.

So today, I am keeping another promise. I just signed an order directing Secretary Mattis to reexamine our military detention policy and to keep open the detention facilities at Guantánamo Bay.

I am also asking the Congress to ensure that, in the fight against ISIS and Al Qaeda, we continue to have all necessary power to detain terrorists -- wherever we chase them down.

Our warriors in Afghanistan also have new rules of engagement. Along with their heroic Afghan partners, our military is no longer undermined by artificial timelines, and we no longer tell our enemies our plans.

Last month, I also took an action endorsed unanimously by the Senate just months before: I recognized Jerusalem as the capital of Israel.

Shortly afterwards, dozens of countries voted in the United Nations General Assembly against America's sovereign right to make this recognition. American taxpayers generously send those same countries billions of dollars in aid every year.

That is why, tonight, I am asking the Congress to pass legislation to help ensure American foreign-assistance dollars always serve American interests, and only go to America's friends.

As we strengthen friendships around the world, we are also restoring clarity about our adversaries.

When the people of Iran rose up against the crimes of their corrupt dictatorship, I did not stay silent. America stands with the people of Iran in their courageous struggle for freedom.

I am asking the Congress to address the fundamental flaws in the terrible Iran nuclear deal.

My Administration has also imposed tough sanctions on the communist and socialist dictatorships in Cuba and Venezuela.

But no regime has oppressed its own citizens more totally or brutally than the cruel dictatorship in North Korea.

North Korea's reckless pursuit of nuclear missiles could very soon threaten our homeland.

We are waging a campaign of maximum pressure to prevent that from happening.

Past experience has taught us that complacency and concessions only invite aggression and provocation. I will not repeat the mistakes of past administrations that got us into this dangerous position.

We need only look at the depraved character of the North Korean regime to understand the nature of the nuclear threat it could pose to America and our allies.

Otto Warmbier was a hardworking student at the University of Virginia. On his way to study abroad in Asia, Otto joined a tour to North Korea. At its conclusion, this wonderful young man was arrested and charged with crimes against the state. After a shameful trial, the dictatorship sentenced Otto to 15 years of hard labor, before returning him to America last June -- horribly injured and on the verge of death. He passed away just days after his return.

Otto's Parents, Fred and Cindy Warmbier, are with us tonight -- along with Otto's brother and sister, Austin and Greta. You are powerful witnesses to a menace that threatens our world, and your strength inspires us all. Tonight, we pledge to honor Otto's memory with American resolve.

Finally, we are joined by one more witness to the ominous nature of this regime. His name is Mr. Ji Seong-ho.

In 1996, Seong-ho was a starving boy in North Korea. One day, he tried to steal coal from a railroad car to barter for a few scraps of food. In the process, he passed out on the train tracks, exhausted from hunger. He woke up as a train ran over his limbs. He then endured multiple amputations without anything to dull the pain. His brother and sister gave what little food they had to help him recover and ate dirt themselves -- permanently stunting their own growth. Later, he was tortured by North Korean authorities after returning from a brief visit to China. His tormentors wanted to know if he had met any Christians. He had -- and he resolved to be free.

Seong-ho traveled thousands of miles on crutches across China and Southeast Asia to freedom. Most of his family followed. His father was caught trying to escape, and was tortured to death.

Today he lives in Seoul, where he rescues other defectors, and broadcasts into North Korea what the regime fears the most - the truth.

Today he has a new leg, but Seong-ho, I understand you still keep those crutches as a reminder of how far you have come. Your great sacrifice is an inspiration to us all.

Seong-ho's story is a testament to the yearning of every human soul to live in freedom.

It was that same yearning for freedom that nearly 250 years ago gave birth to a special place called America. It was a small cluster of colonies caught between a great ocean and a vast wilderness. But it was home to an incredible people with a revolutionary idea: that they could rule themselves. That they could chart their own destiny. And that, together, they could light up the world.

That is what our country has always been about. That is what Americans have always stood for, always strived for, and always done.

Atop the dome of this Capitol stands the Statue of Freedom. She stands tall and dignified among the monuments to our ancestors who fought and lived and died to protect her.

Monuments to Washington and Jefferson -- to Lincoln and King.

Memorials to the heroes of Yorktown and Saratoga -- to young Americans who shed their blood on the shores of Normandy, and the fields beyond. And others, who went down in the waters of the Pacific and the skies over Asia.

And freedom stands tall over one more monument: this one. This Capitol. This living monument to the American people.

A people whose heroes live not only in the past, but all around us -- defending hope, pride, and the American way.

They work in every trade. They sacrifice to raise a family. They care for our children at home. They defend our flag abroad. They are strong moms and brave kids. They are firefighters, police officers, border agents, medics, and Marines.

But above all else, they are Americans. And this Capitol, this city, and this Nation, belong to them.

Our task is to respect them, to listen to them, to serve them, to protect them, and to always be worthy of them.

Americans fill the world with art and music. They push the bounds of science and discovery. And they forever remind us of what we should never forget: The people dreamed this country. The people built this country. And it is the people who are making America great again.

As long as we are proud of who we are, and what we are fighting for, there is nothing we cannot achieve.

As long as we have confidence in our values, faith in our citizens, and trust in our God, we will not fail.

Our families will thrive.

Our people will prosper.

And our Nation will forever be safe and strong and proud and mighty and free.

Thank you, and God bless America.

The Financial Journal GLOBAL, founded in 1967/2017, 50 years and ongoing. 

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Ruim 76 miljoen passagiers via Nederlandse luchthavens

Het aantal passagiers dat reist via de vijf grote Nederlandse vliegvelden is verder toegenomen. Amsterdam Schiphol, Eindhoven, Rotterdam The Hague, Groningen Eelde en Maastricht Aachen zagen ruim 76,2 miljoen passagiers aankomen en vertrekken in 2017. Een jaar eerder vlogen er nog 70,3 miljoen reizigers via deze luchthavens. In elk kwartaal van 2017 werden meer reizigers verwelkomd dan een jaar eerder. Dit meldt het CBS in het nieuwe dossier luchtvaart.

Amsterdam Schiphol had in 2017 met 68,4 miljoen opnieuw een recordaantal passagiers, 7,7 procent meer dan het jaar ervoor. Al sinds 2009 ziet Schiphol het aantal aangekomen en vertrokken passagiers jaarlijks toenemen. Het aantal vliegtuigbewegingen (starts en landingen) steeg met 3,7 procent tot bijna 497 duizend bewegingen in 2017. Dit ligt net onder de afgesproken norm van het Aldersakkoord uit 2008, waarin werd vastgelegd dat Schiphol tot 2020 niet meer dan 500 duizend vliegbewegingen per jaar mag uitvoeren.

Dat het aantal passagiers sneller stijgt dan het aantal vliegbewegingen hangt samen met het gebruik van grotere vliegtuigen en een hogere bezettingsgraad per vlucht.

Groei passagiersvervoer op Eindhoven

Eindhoven, de tweede luchthaven van Nederland, zag in 2017 bijna 5,7 miljoen reizigers aankomen of vertrekken, ruim 19 procent meer dan in 2016. Dit is de sterkste groei sinds 2012 voor deze luchthaven. Via Rotterdam The Hague vlogen ruim 1,7 miljoen passagiers, bijna 5,4 procent meer dan in 2016. Groningen Eelde liet met ruim 32 procent de sterkste groei zien. Op Maastricht Aachen daalde het aantal passagiers met 5,1 procent; wel werd meer vracht vervoerd. Groningen en Maastricht vervoeren relatief weinig passagiers: slechts 0,5 procent van alle vliegpassagiers vloog via deze luchthavens.

Stijging luchtvracht op Maastricht

De luchtvracht op Schiphol steeg 5,5 procent in 2017. Hiermee kwam de hoeveelheid overgeslagen luchtvracht uit op bijna 1,8 miljoen ton. Op Maastricht steeg het vrachtvervoer sterk (+43 procent) tot 87 duizend ton. Deze stijging werd onder andere veroorzaakt door de komst van nieuwe vliegmaatschappijen en uitbreiding door bestaande maatschappijen. Omdat op Maastricht relatief weinig vliegtuigmaatschappijen actief zijn, heeft het wegvallen of de komst van een maatschappij een grote invloed op de totale overslag.

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Gfk: London: 2018 kicks off on surprisingly upbeat note; UK Consumer Confidence increases four points in January to -9

London, January 31st 2018: GfK’s long-running Consumer Confidence Index increased by four points in January 2018.  All five measures increased in January.

Joe Staton, Head of Market Dynamics at GfK, says:

“Having survived Christmas, New Year, the January Sales and Blue Monday, bullish Brits report a more upbeat view of their financial prospects for 2018 this month. From expectations for their personal financial situation to the outlook for the UK economy and major purchase index, we are reporting a rebound in levels of optimism across the board after two years of the Overall Index Score sitting at zero or in negative territory. However, standing at -9, the Index is still lower than this time last year (-5), and still in negative territory, and in the absence of good news about rising wages and declining inflationary pressures, this off-trend number could be a temporary blip rather than a strong sign of recovery. With 2018 still in it’s infancy, and with a great deal of uncertainty in store, there could be more turbulence in the consumer mood this year and next. Watch this space.”

UK Consumer Confidence Measures – January 2018

The Overall Index Score in January 2018 is -9. All five measures used to calculate the Index saw increases in January 2018, with the largest increase occurring in the Major Purchase Index, which is up five points

Personal Financial Situation

The index measuring changes in personal finances during the last 12 months has increased two points this month to -1; this is four points lower than this time last year.

The forecast for personal finances over the next 12 months has increased four points to +6 this month; this is one point lower than January 2017.

General Economic Situation

The measure for the General Economic Situation of the country during the last 12 months has increased two points to -29; this is five points lower than January 2017.

Expectations for the General Economic Situation over the next 12 months have increased four points to -24; this is one point lower than this time last year.

Major Purchase Index

The Major Purchase Index has increased five points this month to +1; this is nine points lower than January 2017. 

Savings Index

The Savings Index has increased six points to +10 in January; this is 12 points higher than January 2017. word for designation. Thank you.

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State Department: Background Briefing on the Countering America's Adversaries Through Sanctions Act (CAATSA) Section 231

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KLM welcomed its eleventh Boeing 787-9 Dreamliner at Schiphol Airport.

KLM Royal Dutch Airlines welcomed its eleventh Boeing 787-9 Dreamliner at Schiphol Airport.

The aircraft landed from Seattle in the US on Friday . It will bear the name Morgenster – Dutch for “Morning Star.”

KLM’s Dreamliners are named for flowers or flowering plants, a typical Dutch export product which suits KLM well. Other B787s have received names such as Zonnebloem (Sunflower), Anjer (Carnation), Dahlia, and Lavendel(Lavender). The tenth Dreamliner, delivered in August, bears the name Margriet (Daisy).

Once again in 2018, KLM will continue to invest in the renewal of its fleet to meet its customers’ needs and wishes. The Boeing 787-9 Dreamliner Morgenster is the first aircraft to arrive in 2018. KLM will take possession of its twelfth Dreamliner in April.

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Tapstatistieken AIVD en MIVD voortaan openbaar

Minister Ollongren (Binnenlandse Zaken en Koninkrijksrelaties) en minister Bijleveld (Defensie) hebben besloten de tapstatistieken van de AIVD en MIVD voortaan jaarlijks openbaar te maken in de jaarverslagen. 

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Bosch significantly increases sales and earnings; Successful business year in 2017. Sales increase to some 78 billion euros; Result from operations climbs to 5.3 billion euros 

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LungGPS: Royal Philips and Medtronic to Innovate in Lung Cancer Management

In a collective effort to improve the management of patients with lung nodules, Medtronic plc and Royal Philips have entered into a business relationship to develop and commercialize the LungGPS Patient Management Platform. The comprehensive patient and data management platform is designed to streamline the management of lung nodule patients from identification through diagnosis, treatment, and long-term survivorship.

Lung cancer remains the number one cancer killer in the world, accounting for more cancer deaths than breast, colon and prostate cancer combined1. In its early stages, lung cancer presents few, if any, symptoms. Lung nodules, also referred to as "spots" or "shadows" on the lung, are usually benign. But when found early, nodules can be continuously monitored for growth, which is a sign that the nodule could become cancerous.

When lung nodules are found, the lack of infrastructure, coordination and capacity to manage identified patients in a timely manner can lead to delays in diagnosis and treatment. Studies demonstrate the majority of patients with incidental nodule identification don't receive appropriate follow up.They often go home either unaware of the issue or the importance of action.

Together, the companies' early commercialization efforts will provide multiple solutions that focus on integrating hospital data, patient management, and clinical workflows. The LungGPS platform is designed to make it easier for clinicians to identify and manage patients with incidental pulmonary nodules within disparate hospital information systems.

The LungGPS platform3 uses:

Natural Language Processing - a type of artificial intelligence technology that quickly searches and analyzes data contained within various medical reports, and highlights relevant information for further review and follow up.

Philips market-leading Lung Cancer Screening Solution - a software system that automates routine administrative tasks and standardizes clinical workflows for optimized efficiency and patient care.

Once a lung nodule patient is identified, the software helps guide those patients into an appropriate clinical workflow - allowing for quick evaluation of those who may be at risk of lung cancer and effective and efficient management of those that require long-term surveillance.

"Lung cancer rates haven't changed much over the past three decades. The current management of incidental lung nodule tracking is a very manual process, one that includes spreadsheets or post-it notes or no active management at all. It's time we think differently about how we're going to tackle this disease, and bring lung healthcare into the twenty-first century," said Matt Anderson, vice president and general manager of Lung Health, which is part of the Surgical Innovations division in the Minimally Invasive Therapies Group at Medtronic. "No one single company can tackle this alone and through our collaboration with Philips, we have the opportunity to help achieve better outcomes for these patients - using technology to promote integrated care."

"Early identification and prompt, appropriate management of pulmonary nodule patients has been proven to improve clinical outcomes. Developing technological solutions to enable our customers to do this quickly, efficiently and consistently continues to be our focus and we're excited about the expanded possibilities through our new collaboration with Medtronic," said Brent Berthy, head of Oncology Solutions at Philips. "The combination of our collective capabilities in imaging, informatics and image-guided intervention has the ability to make a meaningful, positive impact on patient care, clinical outcomes and survivorship."

Medtronic plc, headquartered in Dublin, Ireland, is among the world's largest medical technology, services and solutions companies - alleviating pain, restoring health and extending life for millions of people around the world. Medtronic employs more than 84,000 people worldwide, serving physicians, hospitals and patients in approximately 160 countries. 

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Beleidsdekkingsgraad pensioenfondsensector eind december 2017 naar 106,5%

De gemiddelde beleidsdekkingsgraad van de Nederlandse pensioenfondsen is aan het eind van 2017 uitgekomen op 106,5%. Over het vierde kwartaal van 2017 steeg deze beleidsdekkingsgraad met 2,0 procentpunt. Over het geheel van 2017 is daarmee de beleidsdekkingsgraad gestegen met 9,0 procentpunt. 

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