Research Editorial: Latest Business Insider News, Headlines

Drop in US mortgage rates to below 7% provides little relief to home buyers

Mortgage rate has dropped for the second time in eleven weeks in the week ending November 3. Rates on 30-year fixed mortgages fell 13 basis points to 6.95%. In the previous week, 30-year fixed rates rose 14 basis points to 7.09%.

Following the current drop, rates are up 196 basis points from the most recent low of 4.99% on August 3. Year over year, 30-year fixed rates increased by 386 basis points.

The drop on Thursday also corresponded with the release of the Bureau of Economic Analysis’ gross domestic product data, which revealed that the US economy contracted for the second consecutive quarter. That is a generally regarded indicator of impending recession. According to the preliminary estimate, GDP declined 0.9% on an annualised basis over the period. Dow Jones polled economists, forecasted 0.3% growth.

As this news coming-out, investors rushed to the relative safety of the bond market, prompting rates to plummet. Mortgage rates are influenced by the yield on the 10-year US Treasury bond.

“This is an extremely quick drop!” exclaimed Matthew Graham, COO of Mortgage News Daily. “Perhaps even more interesting (and unexpected) is that mortgage rates have fallen faster than US Treasury yields.” It’s usually the other way around, with investors flocking first to the most basic, risk-free bonds.”

Graham stated that the recent rate move has produced a situation in which investors would choose to hold mortgage debt with lower interest rates.

In the coming week:

US consumer inflation expectations will be closely watched ahead of Tuesday’s wholesale inflation results. Retail sales, on the other hand, are expected to have the greatest impact on yields and mortgage rates.

Following last week’s US Jobs Report, the figures would have to impress in order to push mortgage rates back down to 7%. Despite Fed Chair Powell’s hawkish FOMC news speech on Wednesday, December Fed pivot bets remain.

iPhone 15 in 2023: Apple iPhone 15 Design Revealed by New Apple Leak

Elon Musk admits to a ‘massive reduction’ in revenue, prompting Twitter layoffs

Twitter temporarily closed its headquarters and restricted employees’ access to internal systems on Friday, a week after billionaire Elon Musk took over the social media network.

Musk announced the layoffs shortly after tweeting that the firm had seen “a big loss in revenue, due to activist groups pressing advertisers, even though nothing has changed with content filtering and we done everything we could to placate the activists.” Totally messed up! They are attempting to undermine free speech in America.”

According to internal sources, the “entire” curation team on Twitter had been fired, while system lockouts made confirmation difficult. Twitter’s curation staff is critical in covering “civic integrity” events like elections, breaking news, and sports, ensuring users receive validated content presented as moments, trends, and subjects items. Internally, it is seen as a critical filter against deceptive posts.

Flags from partner news organisations concerning probable misrepresentation on the platform, according to the staffer, went unanswered. “The platform is going to grow more poisonous with less healthy information to challenge the disinformation or misinformation narratives,” stated an anonymous employee.

Some employees awakened on Friday to find their laptops locked and their access to business Gmail and Slack terminated. “Well, this isn’t looking promising,” Chris Younie, who works for Twitter in entertainment partnerships in the UK, tweeted. I’m unable to access my emails. Mac will not turn on. But I’m grateful that this is happening at 3 a.m. I really appreciate your consideration on the time front, gentlemen…”

The policy on misleading content on Twitter involves labelling disputed posts and highlighting contextualising information next to such messages. The employee stated that they were notified through email that their position was being reviewed.

The layoffs were announced in an email to employees on Thursday. “We will go through the arduous process of decreasing our global workforce in order to put Twitter on a healthy path,” the email added. “We know that this will have an impact on a lot of individuals who have made significant contributions to Twitter, but this move is unfortunately required to ensure the company’s continued success.”

The abrupt manner of the layoffs may have also violated California employment law, and Musk is already facing legal action.

Employers with at least 100 employees are required to declare layoffs involving 500 or more employees under the Worker Adjustment and Retraining Notification (Warn) legislation, regardless of whether the company is publicly listed or privately held.

According to Barry White, a representative for California’s workforce development department, the government has not received any such notices from Twitter as of Thursday.

Former Twitter senior community manager Simon Balmain told the Guardian he was “shocked, but not surprised” by the company’s rapid employment layoffs. “I had finished work but still had my laptop open and we all received an email from the employer announcing a reduction in head count,” said Balmain, who had been with the company for a year. My laptop flashed and was deleted an hour later, and I lost access to my programmes.”

Twitter employees have been pushed to work 84-hour weeks and managers have slept at the office over the weekend in order to meet Elon Musk’s strict deadlines.

The FDA recommends parents against using infant head shaping pillows

The Food and Drug Administration advised parents on Thursday not to use infant head shaping pillows to affect a baby’s head shape or symmetry.

The FDA stated that head shaping pillows are unsafe for babies and can increase their “risk of suffocation and death.”

According to the government, these goods can create a “unsafe sleep environment” for babies and increase their “risk of suffocation and death,” as well as sudden infant death syndrome. According to the FDA, no such products have been approved.

Head shaping pillows are often shaped like a tiny mat that dips downward in the centre to cradle the back of an infant’s head. They are frequently formed like a distorted donut but can also be hearts or ovals with animal-like ears.

Some of these pillows are referred to as “infant head support pillows,” “head cushions,” “flat head pillows,” or “anti-flat head pillows.”
The FDA recommends parents against using infant head shaping pillows

Infants should sleep without any cushions, toys, loose bedding, or soft things nearby, according to the National Institutes of Health and the American Academy of Pediatrics. They should instead be placed on their backs in a naked crib on a flat surface.

According to the FDA, marketing claims for head shaping pillows frequently state that they can improve an infant’s head shape and symmetry, as well as prevent or treat flat head syndrome. However, the FDA stated that it is unaware of any “demonstrated benefit” of the goods for “any medical reason.”

Flat head syndrome, also known as positional plagiocephaly, occurs when a baby sleeps on the same side of the head for the first few months of life. According to Johns Hopkins All Children’s Hospital, this can result in a flat patch on one side or the rear of the head.

According to the FDA, flat head syndrome usually resolves on its own as the infant develops and does not cause any developmental problems.

Parents who are concerned about this, according to Johns Hopkins, should practise more supervised tummy time with their babies, change the direction their infant faces in the crib, or hold their baby more frequently.

“If you have an infant head shaping pillow, throw it away; do not donate or give it to anyone else,” the FDA said.

“The use of newborn head shape pillows may postpone the necessary examination and care of innocuous diseases, such as flat head syndrome, or more serious conditions, such as craniosynostosis,” the report continued. (Craniosynostosis is a condition in which the bones of a baby’s skull fuse together too soon.)

The FDA also encouraged doctors to discourage the use of infant head shaping pillows and to educate parents about the dangers they pose.

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In an effort to escalate tensions, rival Koreas scramble warplanes

After tracking about 180 flights by North Korean warplanes inside North Korean territory, South Korea scrambled about 80 military aircraft, including advanced F-35 fighter jets, on Friday in what appeared to be a defiant show of strength.

North Korea mobilized warplanes after testing around 30 ballistic missiles in the previous two days, including an intercontinental ballistic missile on Thursday that triggered evacuation warnings in Japan, in retaliation for ongoing joint exercises involving hundreds of US and South Korean military planes.

The Joint Chiefs of Staff of South Korea stated that North Korean warplanes were detected in various areas inland and along the country’s eastern and western coasts, but did not fly particularly close to the Korean border. The South Korean military observed about 180 flight trials between 1 and 5 p.m., but it was unclear how many North Korean planes were involved or whether some flew more than once.

None of the planes crossed the South Korean military’s virtual “tactical action” line, which is located 20 to 50 kilometers (12 to 30 miles) north of Korea’s land and sea borders and is used for monitoring to allow the South enough time to respond to provocations or attacks.

The United States and South Korea have been conducting joint “Vigilant Storm” aerial exercises involving approximately 240 warplanes, including F-35s. The exercises were supposed to end on Friday, but the allies decided to extend them until Saturday in response to North Korea’s increased testing activity this week.

The drills were extended on Thursday after North Korea conducted an ICBM test, which triggered evacuation alerts and temporarily halted trains in northern Japan. Following the launch, it launched two short-range ballistic missiles into the sea.

A senior North Korean military official, Pak Jong Chon, subsequently made a statement threatening reprisal for the drills’ continuation. North Korea then fired three more missiles into the sea and fired approximately 80 artillery rounds into the eastern areas of maritime buffer zones established by the rivals of their eastern and western coasts in 2018 as part of tension-reduction agreements.

Defense Secretary Lloyd Austin and South Korean Defense Minister Lee Jong-sup issued a joint statement Thursday following a meeting at the Pentagon in which they “strongly criticized” North Korea’s recent nuclear demonstrations.

Both defense leaders emphasized that any use of nuclear weapons, including tactical nuclear devices, against Seoul or other regional allies like Japan, would “result at the end of the Kim Jong Un regime by an overwhelming and decisive response of the alliance,” Lee said at a joint news conference with Austin.

To know more updates like this: RESEARCH EDITORIAL “LATEST BUSINESS INSIDER NEWS BY THE RESEARCH EDITORIAL…!”

Review of ‘God of War Ragnarok’ – Lightning Strikes Twice

God of War Ragnarok, unlike its predecessor, is not a completely transformative installment in the series. It couldn’t possibly be, at least not in the same way.

The transition from the original God of War games to a totally new format with the release of the blockbuster remake in 2018 proved impossible to reproduce precisely. So Ragnarok will have to settle for being an amazing sequel to arguably one of the best games of the previous generation. And that should suffice for everyone.

The 2018 relaunch of the long-running PlayStation action franchise God of War as a more contemplative, open-world adventure raised some questions at first, but the astounding quality of the finished game dispelled any doubts. God of War Ragnarok, the sequel, is not the revelation that the original was, but “more of the same” is a nice treat when “the same” is so very, very excellent.

Following are spoilers for God of War (2018) and the first two hours of this game. If you haven’t played the first, stop right now, take a sick day, and begin!

***The transition from the original God of War games to a totally new format with the release of the blockbuster remake in 2018 proved impossible to reproduce precisely***

The original game ended on an emotionally high note and with an intriguing cliffhanger, with Kratos and son Atreus ultimately scattering the ashes of wife and mother Faye in Jotunheim while also learning that Atreus was known to the now-disappeared Giants as Loki.

This isn’t “DLC,” which was a popular criticism directed at Ragnarok in early previews by some, citing similar zones and animations. This game is just as broad and massive as the original, even if the previous game does offer it certain old realms and soaring Leviathan axe moves. My usual “Give Me Balance” hard playing lasted slightly over 30 hours, which includes a lot of exploration rather than focusing on the main story. But, because I reserved some sidequests, optional monsters, and challenges for the end, I was able to complete practically everything in 37 hours or less. A hundred percent the game would take a few minutes longer than that (there are so many dang Odin ravens to discover), and all of this would take much, much longer on higher levels.

I’ve put in around 18 hours so far, and while I’m thoroughly enjoying Ragnarok, I haven’t been as regularly shocked by the landscape, combat, or cutscenes as I was in the first game. To be sure, there have been fantastic moments and breathtaking landscapes, but I wasn’t gawking at the screen like I was when I first saw Jormungandr or Freya’s turtle house. Of course, fewer surprises are to be expected in a direct sequel, but God of War’s expanding scale from its humble beginnings, as well as the diversity of the realms you explored, was a significant part of its allure.

The good news is that as you leave the initial handful of regions, things start to differentiate, so if you think of them as a “coming up to speed” thing rather than the first actual set of pieces, you’ll have a better experience. Ragnarok has its own identity, but it takes some time to emerge.

It’s still incredibly fantastic in terms of story, concepts, and acting, yet there’s a sense of “what am I doing here exactly” that bugs me while I play, which was never really the case previously. Taking Faye’s ashes to the highest peak in the realms was a convenient movable goalpost, but everything was still in service to it – as Kratos was constantly emphasizing to Atreus, they didn’t even want to get involved in the gods’ affairs.

God of War Ragnarok does not exceed the high water mark set by its predecessor in 2018, but it also does not fall below it. And what begins as more of the (great) same eventually diversifies and addresses some of the first game’s few flaws. This stunning and innovative game is easy to suggest to any PlayStation owner (I played on PS5), and no doubt it will be among the best-selling titles this year as it makes its way into varied holiday plans.

Catch the Latest Updates on Tech and Science

iPhone 15 in 2023: Apple iPhone 15 Design Revealed by New Apple Leak

After the release of Apple’s iPhone 14 and iPhone 14 Pro lines, there have been numerous reports about the following iteration: the iPhone 15. It’s still early, as these devices aren’t expected to be released until fall 2023, but the rumor mill never stops.

Remember, everything we know so far is based on rumors and other media stories – nothing has been official yet, and it probably won’t be until we get closer to the traditional new iPhone season in September. While you may be (rightly) suspicious of some rumors, they do point to the path Apple is likely to take with the next iPhone.

Though Apple introduced the iPhone small with the iPhone 12 lineup and continued to use it with the iPhone 13 series, the mini was discontinued when the iPhone 14 was released. It was superseded by the larger iPhone 14 Plus, which went from a 5.4-inch screen to a gigantic 6.7-inch display (same as the iPhone 14 Pro Max), with the original iPhone 14 and iPhone 14 Pro remaining at the previous generation’s 6.1-inch size.

*The Apple A16 Bionic is a 64-bit ARM-based system on a chip designed by Apple Inc. and manufactured by TSMC*

Apple is likely to continue this with the iPhone 15 series, which will include an iPhone 15, iPhone 15 Plus, iPhone 15 Pro, and iPhone 15 Pro Max. Again, the basic iPhone 15 and iPhone 15 Pro are expected to have 6.1-inch displays, while the iPhone 15 Plus and iPhone 15 Pro Max will have 6.7-inch displays.

However, the name of the iPhone 15 Pro Max may alter. According to reports, the “Pro Max” designation may be replaced with “Ultra,” akin to the Apple Watch Ultra.

Those hoping for a big change in the iPhone may be disappointed, as the iPhone 15 may look identical to the iPhone 14. While the Dynamic Island pill-and-hole cutout was previously exclusive to iPhone 14 Pro models, Apple may be spreading it to all iPhone 15 models. If this is the fact, the iPhone 15 will be the first iPhone range to do away with the notch entirely.

As previously stated, four iPhone 15 versions are expected: the 6.1-inch iPhone 15, the 6.7-inch iPhone 15 Plus, the 6.1-inch iPhone 15 Pro, and the 6.7-inch iPhone 15 Pro Max (or Ultra).

*iPhone 15 Pro Max may alter. According to reports, the “Pro Max” designation may be replaced with “Ultra,” akin to the Apple Watch Ultra.*

According to a new claim, the iPhone 15 may ditch the physical buttons in favor of haptic, solid-state power and volume controls. This would function in the same way as the iPhone 7 Home button. Instead of physically depressing when pressed, it would use haptic feedback to simulate how it would feel if a button was pressed.

If the report concerning solid-state buttons is correct, the iPhone 15 would need two Taptic Engines on the left and right sides. Such a modification would also have an impact on case compatibility; even if the iPhone 15 models were the same size and thickness as the iPhone 14 (with the camera bump), you’d need a case that allows for constant access to the haptic buttons.

In fact, I wouldn’t be shocked if the rumored delay in M2 MacBook Pro shipping isn’t related to the firm rethinking how it will position M1 models in general: continue selling them at a discount like the M1 MacBook Air and risk additional cannibalization, or replace the models totally. It’s a developing issue that Apple needs to address across several product lines.

Some questions remained, such as how cases will function (cutouts may feel weird), but it appears to be a pretty positive step overall. Combine this with reports that Apple will release an iPhone 15 Ultra with a super strong titanium chassis, dual-facing front cameras, a Thunderbolt 4-powered USB-C port, and a new design for standard iPhone 15 models in 2023 — and it appears that the excitement surrounding iPhones will return in 2023.

Catch for tech updates: TECH & SCIENCE

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Coca-Cola Announces a Holiday Promotion offers and Adds NaviLens Codes to Multi-Packs

Coca-Cola Europacific Partners (CCEP) is kicking off its annual Coca-Cola Christmas countdown this month with the introduction of a new on-pack promotion to assist with the cost of memorable festive moments.

Prizes for Coca-Cola Zero Sugar and Coca-Cola Original Taste include £200 coupons for Christmas feasts as well as thousands of seasonal gifts. Coca-annual Cola’s classic Christmas marketing campaign lends support.

From mid-November, festive-themed sharing packs of Coca-Cola Original Taste, Coca-Cola Zero Sugar, and, for the first time, Coca-Cola Zero Sugar Cherry will be available, featuring the renowned Sundblom Santa Claus.

From the 21st of November, shoppers may scan QR codes on-pack for a chance to win pre-loaded £200 ‘Festive Feast’ gift cards from Love2Shop, which are accepted by supermarkets, food aggregators, restaurant chains, and other retailers.

The sale will be available on big PET bottles (1.25lt, 1.75lt, and 2lt) as well as multi-packs of cans.

In the meanwhile, Coca-Cola’s Christmas can multi-packs (24 & 30) will contain NaviLens codes on the cardboard outters for the first time, allowing partially sighted customers who have difficulties navigating traditional signage to find their desired products. Shoppers who are partially sighted will be able to scan the codes with their phone camera, and the information they require will be contextualized in the NaviLens app. They do not need to know the exact location of the codes because they can be detected at wide angles, from distances of up to four meters, and when unfocused.

“Coca-Cola has been bringing people together at Christmas for more than 130 years, and this year is no different,” said Martin Attock, vice president of commercial development at CCEP GB. We want to help buyers focus on having beautiful moments with friends and family this Christmas by giving them a little something to invest towards a special meal.”

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Harris will announce more than $13 billion in aid to help reduce winter energy expenses

Vice President Kamala Harris will announce new initiatives taken by the Biden administration to assist Americans to save money on energy this winter on Wednesday.

According to the White House, the US Department of Health and Human Services would provide $4.5 billion in aid to help reduce heating expenses for the Low-Income Home Energy Assistance Program (LIHEAP).

“In addition to paying home heating costs this winter and outstanding utility bills, the program will assist families in making cost-effective home energy renovations to cut their heating and cooling rates,” according to a statement from the White House.

According to the White House, LIHEAP has helped 5.3 million homes in the United States with heating, cooling, and weatherization in the last year.

The US Department of Energy will also spend $9 billion in Inflation Reduction Act funds to assist up to 1.6 million households countrywide in improving their houses to reduce energy bills. According to the White House, this will be divided into two refund programs: one for whole-house energy efficiency retrofits and another for highly efficient and electric home appliances.

According to the White House, Harris will address the measures when visiting a union hall and training center in Boston on Wednesday.

MORE: Higher heating expenditures are likely this winter due to energy market turmoil: Report

According to a recent analysis from the U.S. Energy Information Administration, an independent agency within the U.S. Department of Energy, nearly half of U.S. households rely on natural gas for heating, and their bills could jump 28% this winter compared to last winter, while bills for heating oil are projected to be 27% higher and electricity 10% higher.

According to a recent assessment by the National Energy Assistance Directors Association, which represents LIHEAP state directors, energy expenses are likely to be the highest this winter in more than a decade. This comes amid surging inflation rates, with consumer prices in the United States rising to a 40-year high of 6.6% in September.

A number of reasons have contributed, including a comeback in global energy use following the onset of the COVID-19 epidemic, which has caused price hikes, and Russia’s war in Ukraine, which has increased costs and reduced supplies.

Hospitalizations in New York City are on the rise as new COVID strains spread rapidly.

US Speaker Nancy Pelosi’s husband, Paul Pelosi, was attacked by suspect David Depape, who yelled “Where is Nancy?” according to a source.

Hospitalizations in New York City are on the rise as new COVID strains spread rapidly

Hospitalizations in New York City are on the rise because of the spread of novel COVID-19 subvariants that are more adept at circumventing immunity Flu and respiratory syncytial virus, or RSV, cases are also on the rise.

According to state data, approximately 1,100 COVID patients were hospitalized as of Oct. 24, up from 750 in mid-September, as reported by the New York Times. Case numbers have remained stable, albeit with many people testing at home and no data being collected, those figures are not accurate.

According to CDC data, the omicron sublineages known as BQ.1 and BQ.1.1 accounted for 42.5% of all cases in the New York region in the week ending Oct. 29, up from 37% the previous week.

This was higher than the BA.5 omicron subvariant, which accounted for 35.7% of new cases in the New York area in the previous week. The two sublineages were not even registered three weeks ago, illustrating how quickly they are spreading.

Experts are particularly concerned about a widespread outbreak of RSV, which can cause respiratory issues in young children and the elderly and for which no vaccination is presently available.

However, Pfizer Inc. reported on Tuesday that data from a late-stage trial of an RSV vaccine showed that it was beneficial in avoiding severe sickness in children as young as 6 months old.

The vaccine, administered to expectant moms, achieved a vaccination effectiveness of 81.8% in newborns from birth to the first 90 days of life in the Phase 3 trial. 69.4% effectiveness was established in the trial over the first 6 months of life.

Pfizer stated that it plans to file its first U.S. regulatory application for the vaccine by the end of 2022, followed by applications to additional regulatory bodies. It will also submit the trial results to a scientific journal for peer assessment.

Coronavirus Updates: Since the coronavirus epidemic began, MarketWatch’s daily roundup has been compiling and reporting on all the newest events every day.

Hospitalizations in New York City are on the rise because of the spread of novel COVID-19 subvariants that are more adept at circumventing immunity Flu and respiratory syncytial virus, or RSV, cases are also on the rise.

Other COVID-19 news to be aware of:

According to Reuters, Apple supplier Foxconn announced Tuesday that it has increased bonuses for workers at its Zhengzhou facility in central China in order to quell resentment over COVID limitations and retain staff at the massive iPhone assembly site. According to the official WeChat account of Foxconn’s Zhengzhou factory, daily bonuses for employees of a Foxconn unit responsible for creating electronics including smartphones have been increased to 400 yuan ($55) per day for November from 100 yuan. Workers deserted the site over the weekend to evade COVID limits after complaining on social media about their treatment and provisions.

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Russia deploys MiG-31 fighter jets to Belarus with ballistic ‘Killjoy’ missiles, according to UK intelligence.

Western defense sources on Tuesday warned that Russia had “probably certainly” deployed two MiG-31K Foxhound fighter jets and an AS-24 Killjoy ballistic missile in Belarus.

according to the United Kingdom’s defense minister, the deployment of the missile, which has a range of up to 1,200 miles, is the first time Moscow has used one of its restricted Killjoy weapons in Belarus.

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The MiG-31K is “suited to carry” the ballistic missile, but defense experts contend that deploying the weaponry to Belarus will do little to help Russia’s strategic interests in Ukraine.

The intelligence briefing stated that “it continues to waste its advanced long-range weapons against targets of minimal operational importance.” “By basing KILLJOY in Belarus, Russia gains no benefit in terms of attacking additional targets in Ukraine.”

Since first invading Ukraine in February, Moscow has relied on Minsk, utilizing its borders to deploy thousands of troops, firing missiles from Belarusian airspace, and regrouping its forces after being forced to retreat from northern Ukraine.

Russian President Vladimir Putin, right, and Belarusian President Alexander Lukashenko pose for a photograph during their meeting Friday, March 11, 2022, in Moscow. Photo by AP of Mikhail Klimentyev, Sputnik, and the Kremlin Pool

Western defense experts have been keeping a close eye on Lukashenko’s military plans for months, as he has stationed troops alongside Russian forces on the Ukraine-Belarus border.

Kyiv, on the other hand, has stated repeatedly that it does not expect Minsk will completely engage in the fight alongside Moscow by unleashing invading forces.

Ukrainian leaders, including President Volodymyr Zelenskyy, have frequently requested improved air defense systems and airplanes from Western partners, as Russia increasingly depends on air-based attacks.

According to Ukraine’s Operational Command South, Russian forces have targeted settlements along the front lines in Mykolaiv and Kherson, where the fierce battle continues.

According to Ukrainian news outlet Pravda, the military stated that “the enemy is conducting aerial surveillance, including the use of combat drones that return to base.” “When Lancet drones are employed for surveillance missions, explosives are also dropped on their target.”

Mikoyan MIG-29: **Fulcrum, jet fighter aircraft are presented at the air show during the MAKS-2021 International Aviation and Space Salon**

In recent months, Ukraine has kept operational information from the southern regions to a minimum, and strategic progress remains hazy.

On Tuesday, Ukrainian air defense troops shot down two Russian attack helicopters in Kherson and utilized a high-precision hit on a “cluster” of Russian forces in Mykolaiv, according to the southern command.

Catch daily world new updates here: Russia deploys MiG-31 fighter jets to Belarus with ballistic ‘Killjoy’ missiles, according to UK intelligence.