November 27, 2020 Find out more Twitter arbitrarily blocks South African newsweekly and several reporters over Covid vaccine story Follow the news on South Africa Receive email alerts Organisation South AfricaAfrica The South African police are investigating the death of Zimbabwean writer and journalist Heidi Holland, whose body was found hanged in the garden of her home in the Johannesburg suburb of Melville on 11 August.”We trust that the South African police will succeed in establishing whether Heidi Holland took her own life or whether she was murdered,” Reporters Without Borders said.Police spokesman Lt. Col. Katlego Mogale said Holland’s gardener alerted the police after discovering the body on the morning of 11 August. Nothing had been stolen from her home, she said. Aged 64, Holland was the author of the 2008 book “Dinner with Mugabe,” which was based on her interviews with Zimbabwean President Robert Mugabe and people close to him over more than 30 years. It traced his rise to power and transformation from independence hero into authoritarian ruler.A freelance journalist who reported for several newspapers and sometimes wrote columns for the Johannesburg-based The Star, she was also the author of “100 years of struggle: Mandela’s ANC” about South Africa’s ruling African National Congress. Photo : Heidi Holland (Paballo Thekiso) News Help by sharing this information February 4, 2021 Find out more South AfricaAfrica August 13, 2012 – Updated on January 20, 2016 Zimbabwean journalist found hanged in Johannesburg home RSF_en On eve of the G20 Riyadh summit, RSF calls for public support to secure the release of jailed journalists in Saudi Arabia Reports to go further News News The 2020 pandemic has challenged press freedom in Africa November 19, 2020 Find out more
Home / Daily Dose / Stimulus and Moratoria Extensions: The Need for Long-Term Solutions Previous: Anniversary and Additions at the CFPB Next: FHFA Requests Input on Appraisal Policy Modernization Demand Propels Home Prices Upward 2 days ago Sign up for DS News Daily in Daily Dose, Featured, Government, Market Studies, News Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Stimulus and Moratoria Extensions: The Need for Long-Term Solutions Share 1Save Governmental Measures Target Expanded Access to Affordable Housing 2 days ago About Author: Christina Hughes Babb Data Provider Black Knight to Acquire Top of Mind 2 days ago Related Articles Christina Hughes Babb is a reporter for DS News and MReport. A graduate of Southern Methodist University, she has been a reporter, editor, and publisher in the Dallas area for more than 15 years. During her 10 years at Advocate Media and Dallas Magazine, she published thousands of articles covering local politics, real estate, development, crime, the arts, entertainment, and human interest, among other topics. She has won two national Mayborn School of Journalism Ten Spurs awards for nonfiction, and has penned pieces for Texas Monthly, Salon.com, Dallas Observer, Edible, and the Dallas Morning News, among others. Print This Post 2021-01-04 Christina Hughes Babb Demand Propels Home Prices Upward 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago January 4, 2021 1,297 Views The Best Markets For Residential Property Investors 2 days ago Foreclosure and eviction moratoria, which are working in the short-term to keep homeowners in their houses, are not long-term solutions, according to Columbus Distressed Assets Manager and Auctioneer Rich Kruse (a Gryphon USA Ltd. principal). Such stimulus efforts, he says, “will allow the incoming administration of President-elect Biden to revisit the issue after Inauguration Day.”Congress supported the extension of mortgage foreclosures and eviction protections to certain properties through January 31 as part of the second round of economic stimulus during the COVID-19 pandemic. A number of federal agencies had already extended the moratorium due to expire on December 31.The National Low-Income Housing Coalition has estimated the amounts of back rent owed to be between $30 billion and $70 billion, Kruse says, although a report from the Philadelphia Federal Reserve Bank in early December had put the number at $7.2 billion from the start of the moratoria in March through December 1, 2020.Adopting the moratoria strategy for too long could create risks for the housing market as many landlords and mortgage holders begin to assess the impact on their businesses, Kruse says.”It’s a finger in the dike that continues to crumble in front of our eyes,” Kruse said, adding that, unlike previous stimulus checks, the latest one isn’t likely to make a dent in owed housing payments.”Tenants are not likely to use the funds to make rental payments because the government essentially just said the free ride is open for another two months,” Kruse said. “There’s nothing here for the housing providers and barely anything for the tenants.”Lenders also face uncertainty related to payments on FHA, VA, and other loans—the Visual Capitalist website estimates 17 million adults are behind on the house payments nationally. More than a third of Ohioans are behind on their mortgages or their rent, with 192,000 people poised to face foreclosure or eviction.”The Biden administration should look to refocus any future support of the housing industry toward landlords and mortgage holders and quickly allow the marketplace to sort out the economic damage the moratoria have caused,” Kruse said. “Too long of a delay will cause untold harm to the rental properties without a stream of income to pay for general maintenance and create a backlog of distressed owner-occupied homes that could result in damaging the broader home market.” Servicers Navigate the Post-Pandemic World 2 days ago Subscribe
Almost 10,000 appointments cancelled in Saolta Hospital Group this week Pinterest Pinterest Facebook WhatsApp Guidelines for reopening of hospitality sector published Calls for maternity restrictions to be lifted at LUH Twitter Business Matters Ep 45 – Boyd Robinson, Annette Houston & Michael Margey Google+ Need for issues with Mica redress scheme to be addressed raised in Seanad also Previous articleMore government ministers have moved to play down speculation of an easing of austerity in the October Budget.Next article14 patients on trolleys at Letterkenny General Hospital News Highland LUH system challenged by however, work to reduce risk to patients ongoing – Dr Hamilton Government to create 20,000 manufacturing jobs by 2016 Facebook RELATED ARTICLESMORE FROM AUTHOR By News Highland – April 22, 2013 News The government has announced plans to create an additional 20,000 jobs in the manufacturing sector by 2016. Jobs Minister Richard Bruton and Education Minister Ruairi Quinn have published strategies under the Action Plan for Jobs.A new start-up fund run by Enterprise Ireland, new supports targeted at engineering firms and better training for skills shortages in the manufacturing sector are included.Last year Minister Bruton tasked a group led by industry experts with coming up with a plan to deliver on the government target of 20,000 additional jobs in the sector. The strategies launched today, prepared by Forfás and the Expert Group on Future Skills Needs, are aimed at delivering on that.Key actions are proposed across a range of areas, including; access to new funding, management training and support, costs reduction and technology adoption.Among the specific measures proposed are:-A new Start-up Fund run by Enterprise Ireland specifically targeting supports for new manufacturing start-ups;-Enterprise Ireland to introduce a new Capability Fund to support capital investment by manufacturing companies;-EI and IDA to target additional financial supports for R&D investment specifically targeted at engineering firms;-A new National Step Change Initiative available to all EI and IDA client companies that will systematically support manufacturing companies to expand their client base through staff training and Peer Learning and improve their adoption of new technologies and embrace R&D-Better targeting of training at skills shortages in the manufacturing sector through the implementation of the Manufacturing Skills study.-The announcement was made by Jobs Minister Richard Bruton and Education Minister Ruairi Quinn.”The end of industry was an Anglo-Saxon fad; Mrs. Thatcher effectively closed down manufacturing in Britain and the assumption as that you couldn’t manufacture profitably in Europe” Mr. Quinn said.”Well the Germans and the Swiss and a whole lot of other people – like the Danes and the Finns – have showed that you can do that”.”This is an example of just how that can be done, and we’re going to do it for the 21st century” he added. WhatsApp Google+ Twitter
Daniel Ziblatt, a Harvard professor of government, recently visited the Minda de Gunzburg for Center for European Studies to discuss his new book, “Conservative Parties and the Birth of Democracy.” During a Q&A session earlier, he discussed the issues of governance and stability that he examines in it.GAZETTE: Why did you decide to write a book on the history of democracy?ZIBLATT: When I began working on this book, I was struck by a deep historical question that also resonates with our times. If you looked back at Europe in the middle of the 19th century, many of the factors that we today know make creating and sustaining democracy such a truly difficult process — economic inequality, stratification, repressive states — were actually present there as well. Nearly all countries, from Britain to Germany to Southern Europe, were highly stratified societies governed by deeply hierarchical and repressive states, all ruled by restricted suffrage. So I found the paradox gripping of how these unlikely countries ultimately became models of stable democracy by the mid-20th century. I was motivated to understand the sources of this transformation and to offer a new way to think about democracy’s future. All of this, I should add, has become even more pressing, as all of us look around us and worry about the unsettled state of democracy today.GAZETTE: And what is different about your approach?ZIBLATT: I focus on a different problem than has traditionally been the subject of study when people study democratization. I discovered a largely untold and fascinating story of how Europe’s pre-democratic insiders, conservative political parties representing old-regime elites, remade themselves and shaped how democracy emerged. This is a different way of thinking about the problem. Historians, sociologists, and political scientists, with good reason, have tended to focus on the important and often liberating role of working-class movements and liberal middle-class groups pushing for democratization. As important as these groups are, I depart from these approaches in a significant way. I studied the papers of leading conservative statesmen in Germany, Britain, and other countries, as well as lesser-known operatives of conservative parties and groups across Europe because I wanted to know how the opponents of democracy coped with and shaped its rise.GAZETTE: What did you find in your research?ZIBLATT: I found something very surprising. In the world of party conservatism in 19th century Europe, a subtle but momentous rupture occurred in some countries but not in others. Conservatives, representing the old regime, aristocrats, and other elite groups opposed to democracy in principle, suddenly realized the power of political parties and discovered the importance of pragmatic political action. Political parties were an invention that transformed the world. One observer at the time compared the discovery of the power of parties to the Spartan discovery of the power of infantry in warfare. When conservatives, in a range of countries including Britain, Belgium, and in Scandinavia, realized the power of political parties and built them up, democracy itself ultimately became safer for them and more enduring. In countries, where this conservative innovation didn’t happen (Germany and much of southern Europe), democracy was much more unhinged and fragile.GAZETTE: Why do you think conservative parties are so important to the history of democracy?ZIBLATT: This is where things get really interesting. The biggest barrier to creating sustainable democracy in the past, and today as well, is the fear of autocratic elites to democracy; they feel their wealth, status, and power is threatened by democracy. One figure I studied closely was Lord Salisbury, a longtime 19th-century Conservative Party prime minister in Britain, a member of the wealthy, landed elite, and a powerful man. I studied his papers held in a basement archive in his family’s huge home outside of London. I was amazed to see in the 1860s how fearful he was of democracy. He thought suffrage reform to expand voting rights to the working class would ruin him and his peers. By the 1880s, the reactionary Lord Salisbury had experienced a subtle conversion. He still was in principle no big fan of democracy but he was working closely now with party operatives for the Conservative Party, kind of proto-political scientists who studied demographic data, who could try to win elections for Salisbury’s party. Also, his party built up a mass mobilizing organization. The machinery of party organization converted a dogmatic opponent into a reluctant democrat.GAZETTE: But conservatives presumably have not always come to democracy so easily?ZIBLATT: Yes, that is correct, and this is the big contrast in European history. There was a whole group of countries where this rupture did not happen. One example I studied closely involved the repeated efforts of German conservatives to build political party structures. In the late 1890s, these efforts simply had failed. The right was fractured. The right-wing grassroots movement was controlled by interest groups and not political parties. Without political parties available for the right, the organizational firewalls that come with political parties were absent, and much more dangerous radical right forces began to assert themselves into politics. In my book I have two chapters describing the rise and fall of Weimar Germany, analyzing the history of this tragic moment in European history, showing that it was in part the fragility of the German Tory tradition that opened the door for radical right forces and ultimately the rise of Adolf Hitler’s Nazi Party. In an ironic way, the fractured nature of German conservatism was the Achilles’ heel of Weimar Germany’s experiment with democracyGAZETTE: It sounds like your argument has some specific implications for the state of democracy today.ZIBLATT: Indeed, this is correct. While my book is entirely historical, readers have told me that it is a parable for today’s crises of democracy. When one compares German and British conservatism in the past and thinks about how these societies developed, one gradually comes away with the conclusion that democracy may in fact require a robust conservatism that has already made its peace with democracy. Whatever one’s ideological orientation, a precondition of democratic stability may be a strong, constitutionally minded electoral right. The absence of a strong constitutional conservative party may not mean simply an enduring liberal or social democratic triumph into the future. Without a strong constitutional right, the door is opened for much more dangerous right-wing forces, which may not even accept the basic norms of democracy. Also, without a robust conservative party of the right, reactionary forces historically have looked to gain power through extra-constitutional means — military coups and counterrevolutions. All societal groups deserve the right to legitimate participation in politics. Without it, the result is a fragile democracy.GAZETTE: Are you worried about the state of democracy in the world today?ZIBLATT: Yes, very much. The presence of a form of right-wing populism in Europe and United States that barely accepts the basic norms of democracy is worrying. What to do about it is the question. Many have talked about the role of globalization in triggering this. I tend to think we should also think about the responsibilities of existing political parties in distancing themselves from these forces, not being tempted to collaborate. How mainstream parties can do this while maintaining electoral support is the trick, but it is what political parties should be expert at. In any case, the tragic lessons of European history make clear that there are moments when basic norms of democracy are violated within a democracy, and responsible statesmen, not only on the left, but also on the right. must have the political courage to confront this challenge, and not abdicate their responsibilities. European history is filled of cases where this lesson was not yet learned, with tragic consequences.
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Cahir’s Tommy O’Donnell, Nenagh’s Donnacha Ryan along with Keith Earls and Simon Zebo have all returned to the Munster starting line-up as they’ll host Zebre tonight at Thomond Park, where kick-off is at 7pm.And Ulster have been boosted by the return of fit-again Iain Henderson as they prepare to face defending champions the Glasgow Warriors in Scotstoun (pr: Scots-toon) with kick-off at 19:35.
Dear Editor,Guyana’s economy continues its downward descent with no solutions in sight. More so, even getting the economic forecasts approximately correct continues to be an arduous task for the Finance Ministry headed by Mr Jordan – who, it seems, is just an expert juggler trying to mask the economic decline.In March 2017, Mr Jordan seemed to have had an epiphany when he declared at a press conference, “Very little manufacturing activity takes place in Guyana…the last number I looked at manufacturing, without sugar and rice milling, contribute a mere five per cent to [gross domestic product] GDP, which is very low.” He said that Guyana cannot continue to borrow, which would, in effect, incur debts on generations to come.“We have to generate the taxes and income from the economy, even as it is growing,” he had said. Mr Jordan concluded that taxes would boost and stabilize the economy. We have seen that the economy is NOT growing, even as taxes keep on increasing.This view was severely criticised by Mr Shyam Nokta, President of the Guyana Manufacturing & Services Association Limited (GMSA), who warned that several measures implemented by the Government would work against the competitiveness of the local manufacturers in both domestic and overseas markets, and this includes the re-categorizing of zero- and standard-rated items to exempt. We have seen that the VAT on water and electricity has already escalated the production costs of locally produced goods. This result is now evident as exports constrict and imports expand.The contradiction of the conclusion by Mr Jordan, that ‘taxes will boost and stabilize’ the economy, was manifested by the fact that even though taxes account for $ 171.2 billion, or 87.9% of total revenue, the growth rate of our economy fell to 2.1 % in 2017! Yet, our balance of payments deficit is getting increasingly bigger.An important component, which is the Current Account, is showing a deficit increase from US$12.4 million to US$287.4 million. Our imports will continue to increase as we become more dependent of foreign goods and services, while our exports will continue to dwindle because of the harsh taxation on our local manufacturers, making locally manufactured products uncompetitive at home and abroad. Increased taxation has failed to ‘boost and stabilize’ the economy!In our present situation, increased taxation due to poorly-thought-out strategies has resulted in: insufficient disposal income; increased cost of living; high prices; poor quality products; loss of markets; decline in the productive sector; scarcity and shortages; job losses; foreclosures, and increases in poverty and crime.The late Sir Winston Churchill, who had been Prime Minister of the United Kingdom, made an astounding statement, which can be quite applicable to our current situation, when he said, “I contend that for a nation to tax itself into prosperity is like a man standing in a bucket and trying to lift it by the handle.”What we need are sound monetary and fiscal policies, but after three years in Government, the Coalition’s performance is getting worse. Oil revenue will never be able to correct the mismanagement of our economy; from all indications, it will only get worse.The late Milton Friedman, an American Economist, once said the Great Depression was caused solely by the Government’s mismanagement of the economy. This is quite applicable to the current progressively declining state of our economy!Yours sincerely,Haseef YusufRDC Councillor,Region 6
What problems can be solved by the use of digital technology in schools? This was one of the questions discussed at the World Economic Forum on Africa in Kigali. Speakers from across the world gave their insights into how digital technology could improve learning inside and outside classrooms. Rapelang Rabana, founder of ReKindle Learning, spoke at the session “What if: all education were digital” at the 2016 World Economic Forum on Africa, held in Rwanda from 11 to 13 May. (Image: World Economic Forum on Africa)• South Africans nominated for Innovation Prize for Africa• Busting the myth that Africa doesn’t produce scientific innovators• How can digital technology boost growth in Africa?• Girls in space! Africa’s first private satellite – designed by schoolgirls• Makoko Floating School: a model of Nigerian cutting edge designMedia Club South Africa reporterTechnology should be used to add value to the teaching process in the classroom, according to Rapelang Rabana, founder of ReKindle Learning. She was speaking during the debate “What if: all education were digital” at the World Economic Forum on Africa in Kigali, Rwanda from 11 and 13 May.Other speakers on the panel were Fred Swaniker of the African Leadership Academy; Aryn Baker of Time magazine; Colin McElwee of Worldreader, which provides e-books to low-income countries; Rwanda’s minister of youth and ICT, Jean Philbert Nsengimana; and entrepreneur Temitope Ola of Koemei.Can technology replace teachers?Regarding the question of whether technology could replace teachers or the traditional way of teaching, Rabana said it was not correct to think about ousting teachers. “If you were looking at a different industry, you would ask where the biggest challenges were and then try to find the technologies to solve those problems,” she said.“We should look at what activities can benefit from technologies more,” she added. “When I say learning activities, for example, I am referring to things like discovery, research, and finding things to prepare for class. Digital tools can be affective for that.”It should also be explored as a tool to facilitate group and peer interactions, as well as debates. “We still have to make sure that we adequately learn from our peers,” Rabana said.Having digital technology in a classroom should free up the resources of teachers to do things that were more “high-touch or more complex”.Connecting people to the internetThere were different stages of solutions to give people access to the internet, Rabana said. “We often bring internet access to a central place like a school or a place of work (where people can download what they need).“They don’t need internet access at home then. You still provide an effective place offline.”Swaniker said he would like to see an internet portal like Airbnb to be developed, but for education. Airbnb connects people all over the world; is a website for people to list, find, and rent lodging anywhere on Earth.“You can have these big buildings that have things like internet access and electricity,” Swaniker explained. “There is no-one there in the evenings and on the weekends. Imagine if we created those centres where young people can come and they can all get the access to the world’s education and learning resources online.”These centres would have facilitators to help the youth.Ola said his organisation had found that people could use mobile messaging applications such as Facebook and WeChat to build education applications on these platforms. “It’s free and we can enhance access with that.“My concern is always, how do we use what we have now to solve the problems we have now.”The importance of digital technology in educationIf schools had access to the internet, they should leverage digital technology as much as possible, Swaniker said. “It allows us to do things we weren’t able to do in the past. In the olden days students would go through every month and not know how they were doing until the end of exams.“But today you can track how someone is doing, enabling us to identify those students who are struggling and those who are bored, and those who are able to work at their own pace.”Access to the internet allowed Africans to overcome the massive challenges on the continent, he added. Challenges mentioned by the panel were poverty and lack of good teachers.Worldreader had evidence that girls took more advantage of its programme than boys, McElwee said. Girls used mobile phones five to six times more often and for longer periods at a time to access education than boys, he said. “It’s not about what you and I think of education but what do they (those girls living in poverty) think.”Many girls in impoverished communities risked their and their families’ lives on daily because they went to school. “I know people on this continent indeed recognise the importance of education. For many that education is the only path out of poverty.”Watch more on the discussion here:
At the age of 29, Mthatha-born Dr Ncumisa Jilata has become Africa’s youngest neurosurgeon following her Fellowship graduation in Durban on 18 May 2017. Her milestone achievement was highlighted by Deputy President Cyril Ramaphosa in an address to the National Assembly on 31 May.South African neurosurgeon Dr Ncumisa Jilata (left) with Deputy President Cyril Ramaphosa. Ramaphosa made special mention of Jilata becoming Africa’s youngest neurosurgeon in an address to Parliament on 31 May 2017. (Image: Ncumisa Jilata Facebook)CD AndersonDr Ncumisa Jilata completed her Bachelor of Medicine Bachelor of Surgery (MBChB) degree at Mthatha’s Walter Sisulu University (WSU) in 2009. Her completed fellowship for the Council of Neurosurgeons of South Africa in 2017 means she is now the youngest neurosurgeon in Africa, and one of only five black female brain surgeons in South Africa.Jilata joins 150 other female doctors and medical residents working in the neurosurgical field across Africa, according to the most recent survey by the World Federation of Neurological Societies.She hopes that her landmark achievement will inspire more female medical students to add to much-needed surgical expertise on the continent. Jilata was inspired while still in high school to follow her dream of becoming a brain surgeon.“I was already in Grade 11 [at Mthatha High School] when I decided I wanted to be a doctor, but at the time I wasn’t doing biology, so when I got to matric I had to do three years of biology in one year, in addition to the subjects I had already selected from Grade 10,” Jilata told the Eastern Cape Daily Dispatch newspaper following her graduation.“During that period I discovered the concept of a neuron, which is amazing. The fact that society as a whole was influenced and controlled solely by the existence of this structure, intrigued me… that’s when I knew I wanted to be a neurosurgeon.”She had to work hard to prove herself in the male-dominated field of medicine, Jilata said. “It was common to be second-guessed as a woman, but one’s work ethic will always speak volumes.” She hopes to become a worthy standard for young girls, to give them the courage to “break through the barriers of patriarchy” in medical science.Another pioneering female and Eastern Cape-born neurosurgeon, Dr Coceka Mfundisi, inspired Jilata. “[My mentor] Dr Mfundisi… broke most of the barriers for me [to get where I am today].”Born in rural Engcobo, Mfundisi was one of the first black South African woman to qualify in the neurology field.“[Jilata] had heard about me because I had worked in Mthatha for about a year while I was still training as a neurosurgeon at the University of Pretoria,” Mfundisi told the Daily Dispatch. “I was the only woman among men and when she told me she wanted to be a neurosurgeon I could already see her working with me at the University of Pretoria, where she later joined me… [Her] success is a proud moment for the impoverished community of the Eastern Cape and a victory for every woman, especially because she did everything in record time, at a very young age.”WSU spokesperson Yonela Tukwayo said the university was proud of Jilata’s accomplishment. “She and many other WSU alumni, who are leaders across different fields of medicine and other professions, represent the true spirit of our university namesake, Walter Sisulu.”During his address at the Presidency Budget Vote in Parliament’s National Assembly on 31 May 2017, Deputy President Cyril Ramaphosa made special mention of Jilata’s achievement. Including her story in an overview of several South African women breaking barriers in a number of social development and medical fields, Ramaphosa thanked Jilata “for inspiring us, motivating us and challenging us with your [life] and your determination… demonstrating what is possible with perseverance, courage, collaboration and partnership”.Source: Daily Dispatch, South African Government website Would you like to use this article in your publication or on your website? See Using Brand South Africa material.
The Central Bureau of Investigation has registered a corruption case against former Arunachal Pradesh Chief Minister Nabam Tuki for allegedly awarding government contracts worth ₹3.2 crore in violation of rules. The agency alleged that the contracts for developing parking places were granted when Mr. Tuki held the charge of Minister of Consumer Affairs and Civil Supplies in the State. Among those named in the FIR are Mr. Tuki’s brother Nabam Tagam, the then Director, Civil Supplies, N.N. Osik and then Chief Manager of United Commercial Bank Sohrab Ali Hazarika.The CBI said Mr. Tuki colluded with his brother to siphon off money received for the contracts given to develop two parking places in Nirjulee and Naharlagun in the State worth ₹61.43 lakh and ₹2.6 crore respectively.It is alleged that Mr. Osik paid ₹30 lakh to Mr. Tuki, which was credited into his account in the Itanagar branch of United Commercial Bank.The cheque was issued in the name of Mr. Tuki and was later changed to “yourself”, the agency alleged.It said Mr. Hazarika, as the branch manager, helped to get the amount credited into Mr. Tuki’s account and did not obtain any authorisation for alterations made in the cheque beneficiary.The name of account holder in the bank records were also “obliterated” and were replaced with T. Nabam in the specimen signature card. A picture of Mr. Tuki’s brother was also put on the specimen signature card.However, in the agency enquiry it surfaced that the account was indeed in the name of Mr. Tuki and his specimen signatures were on the account opening form.(With PTI inputs)