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New biography honours insurance trailblazer

Bermuda Broadcasting Newsdesk
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New biography honours insurance trailblazer

Brian Duperreault helped shaped Bermuda’s successful insurance industry

Insurance icon Brian Duperreault, speaking at last night’s reception.   Photo supplied

Press release:
“A 357-page biography chronicling the life and career of insurance industry legend Brian Duperreault was launched at a celebratory cocktail reception on Wednesday, March 19, 2025.
One hundred invited guests and VIPs, including Governor His Excellency Andrew Murdoch, Attorney General Kim Wilkerson, Opposition Leader Jarion Richardson and Chair of the Association of Bermuda Insurers and Reinsurers (ABIR) Mark Cloutier, gathered at The Chubb Building on Woodbourne Avenue in Bermuda to toast Duperreault and his 50-plus years in the industry.
Duperreault’s biography, Faith & Purpose: The Life & Vision of Insurance Industry Icon Brian Duperreault, was written by Bermudian Wendy Davis Johnson and represents an intimate protrait of the industry leader’s personal and professional life gathered from interviews and research conducted over the last four years.
Faith & Purpose begins with Duperreault’s birth in Bermuda in 1947 and charts his childhood in Trenton, New Jersey, his Jesuit education, his entry into the industry as an actuary trainee at American International Group (AIG) in 1973 and his subsequent rise to iconic status. The book’s narrative, an intensely personal one, is informed by Duperreault’s faith, his belief in the Jesuit tenet of service and his devotion to his family.


During the reception, a check for $62,250, representing gross proceeds from pre-sale orders placed by Bermuda’s re/insurance sector, was presented in Duperreault’s honour by Cloutier to Chair of Bermuda College Foundation Garry Madeiros. The funds will support Bermudians studying industry-related subjects at the College.
“It is with great pleasure that we present this check to Bermuda College Foundation on Brian’s behalf,” said Cloutier. “Members of ABIR, as well as the Association of Bermuda International Companies and many firms that provide services to our industry, demonstrated their gratitude to and admiration for Brian and all he’s done for our market and for Bermuda by placing orders for his biography with the knowledge that the proceeds would enable our young people to pursue a career in this great industry.
“Lead sponsors include my company, Aspen, as well as ABIR, Appleby, Chubb Bermuda, Hiscox Re+ILS, Marsh McLennan, RenaissanceRe, Strategic Risk Solutions – and, of course, Brian’s new company, Mereo Insurance.
“Brian, thank you for all you’ve done for everyone in this room and the hundreds who couldn’t be with us.”
In accepting the presentation check, Madeiros also paid tribute to Duperreault’s impact on Bermuda.
“Brian, you have had Bermuda’s wellbeing at the forefront since you returned to your birthplace in 1994. We are very appreciative of this donation, the timing of which couldn’t be better.
“In alignment with your tremendous contribution to Bermuda’s insurance industry and the community overall, we will be using these funds to support the development of a more robust Insurance Studies Programme at Bermuda College, to ensure Bermudians can continue to access world class insurance training and development right here at home.
“On behalf of everyone at the Foundation and at Bermuda College, thank you.”
More information about Faith & Purpose, and how to place an order, will be available at www.duperreaultbio.com as of Thursday, March 20, 2025.”

Bermuda Tonight – 19 March 2025

Bermuda Broadcasting Newsdesk
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Bermuda Tonight – 19 March 2025

Are you spending too much on home insurance?

Gary Foster Skelton
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Are you spending too much on home insurance?

Industry expert responds to concerns raised by the Premier

Premier & Finance Minister David Burt, and Caroline Mills-White, EVP at BF&M and Argus. File photos

Home Insurance costs have risen with insufficient explanation, according to Premier David Burt. In response, a local insurer has stated that they seek to provide clear coverage to the level preferred by the customer.

Expanding on the Throne Speech, Premier and Finance Minister David Burt said on Monday Bermudians had told them on the doorstep that home insurance has gone up with little transparency on how premiums are determined.

He continued, “…we will work with the Bermuda Monetary Authority and industry stakeholders to review home insurance regulations and explore policy reforms that allow homeowners to select appropriate coverage levels based on realistic risk assessments. The goal is simple: to provide relief to Bermuda’s homeowners from rising home insurance expenses, and ensure that they have fair options when choosing their level of coverage.”

We reached out for comment from local insurers. A spokesperson for BF&M and Argus said they understand the concerns, while elaborating on the types of cover they provide and what may affect costs.

Caroline Mills-White is EVP, Group Head of Property & Casualty and Broking Services at BF&M and Argus.

She said their property policies covering key risks such as fire, storm, flood and liability, allow policyholders to tailor coverage within set parameters. A customer can remove certain perils or select a higher deductible, which can lower premiums.

However, a fundamental principle of insurance is to ensure properties are covered to their full replacement value, she says, and reconstruction costs are updated each year. If a property is underinsured, the policyholder would assume a proportional share of any loss.

Ms Mills-White elaborates, “…if a building has a replacement cost of $1,000,000 but is insured for only $500,000, a total loss would result in a maximum payout of $500,000. In the case of a partial loss of $100,000, the claim payout would be reduced to $50,000 to reflect the 50% underinsurance.”

Ms Mills-White also says their reinsurers expect policies to be insured to correct values, as underinsurance affects reimbursement at all levels of the insurance chain.

She continues, “While we provide guidance to help clients make informed choices, the ultimate responsibility for selecting coverage rests with them.”

“When a mortgage lender is involved, they typically require insurance that covers full replacement costs to protect their financial interest”.

Following the Premier’s commitment to review home insurance regulations, Ms Mills-White says BF&M and Argus remain committed to working collaboratively with stakeholders to ensure homeowners continue to have fair, transparent, and sustainable insurance options.

She concludes, “Our goal is to balance affordability with adequate protection so Bermuda’s homeowners can confidently safeguard their properties against unforeseen risks.”

Hospital bed shortage: Health Minister responds

Gary Foster Skelton
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Hospital bed shortage: Health Minister responds

“It is crucial to streamline the transition of medically fit patients to alternative care settings”

File photos

Government Statement from the Minister of Health on BHB bed shortages

Hospital bed shortages continue to pose a significant challenge, largely due to the number of patients remaining in hospital after being deemed medically fit for discharge. We recognize the strain this places on our healthcare system, affecting both the dedicated staff and patients in urgent need of care. To address this, it is crucial to streamline the transition of medically fit patients to alternative care settings, ensuring the process is both efficient and timely. This approach will help alleviate pressure on hospital resources and improve access to care for all.

Additionally, we are focused on improving elder care services by upgrading existing facilities and planning new ones to meet growing demand. Making home care more affordable and ensuring timely caregiver payments are also key priorities, allowing seniors to age with dignity and proper care in the comfort of their homes.

We understand that some families face real difficulties in providing care at home, and we are committed to supporting those who need additional assistance. However, for families who are able, we strongly encourage you to help your loved ones transition home when it is safe to do so. This not only ensures they recover in a more comfortable and familiar environment but also frees up critical hospital beds for those in urgent need.

Alert for cancer patients: chemotherapy is on hold

Gary Foster Skelton
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Alert for cancer patients: chemotherapy is on hold

Overseas treatment may be needed; hospital says delay is unrelated to ongoing capacity problems

Overseas & file photos

Scheduled chemotherapy sessions have been postponed this week after the hospital’s two oncology nurses became unavailable.

One cancer patient affected told us that they had not yet been given a subsequent date for a chemo session.

Judy Richardson, Chief of Nursing at the hospital, said a significant number of chemotherapy treatments have been delayed, and they hope to resume normal services in about a month.

Nurse Richardson advised that critical patients will be supported in seeking overseas care, and new oncology patients will be referred overseas until chemotherapy nurses are on island.

She said formal recruitment for chemotherapy nurses is ongoing, and one nurse is currently in training.

The Bermuda Hospitals Board has advised that the oncology staffing issue is not related to capacity issues that have put a strain on other hospital staff and resources. It is specifically because the two chemotherapy nurses, who are close to retirement, are unable to work for unrelated and personal reasons.

The hospital moved to alert level three yesterday due to overcrowding. At one point there were 40 patients medically fit for discharge still in hospital, while 34 patients were waiting for beds.

Nurses aids temporarily downed tools in the face of the mounting pressure

BHB Press Release below:

Bermuda Hospitals Board today explained what is being done to stabilise oncology services following its two chemotherapy nurses being unable to work for unrelated and personal reasons.
Chemotherapy nurses are specialist nurses who are trained to give chemotherapy treatments to cancer patients. BHB has two nurses, with an additional nurse who is currently in training and still requires supervision. Recruitment has begun for additional chemotherapy nurses as the two nurses, who have provided an amazing service for many years, are close to retirement.
Chief of Nursing, Judy Richardson comments: “The sudden impact of our situation was only known on Monday. We have reached out to local partners, all of our clinical partners and nurse agencies to bring new resources to the island as soon as possible. Everyone in the oncology team is working to provide as much coverage as possible, but a significant number of chemotherapy treatments have been delayed. Patients for whom any delay in treatment will impact their outcomes, or those who have complex or specialised therapies that require chemotherapy nurse skills, will be supported in seeking overseas care. While we hope we can resume normal services in about a month, new oncology patients will also be referred overseas until we have chemotherapy nurses on island.
“We are so sorry for this impact, especially as we had just completed recruitment to fill our oncologist roles. The formal recruitment for chemotherapy nurses is ongoing with a sustainable training plan being developed with overseas affiliates. We are also exploring the recruitment of locum nurses as temporary resources as they can be organised more quickly.
“We will provide an update to the community as soon as we have secured locum resources,” Mrs Richardson adds.

Sports Illustrated Swimsuit issue was shot in Bermuda

Bermuda Broadcasting Newsdesk
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Sports Illustrated Swimsuit issue was shot in Bermuda

Magazine returned to the island, 30 years on

Cambridge Beaches was among the key locations for the swimsuit shoot. Image: BTA

Press Release:
“The Bermuda Tourism Authority is proud to announce a strategic partnership with Sports Illustrated Swimsuit, the world-renowned lifestyle magazine, to serve as one of the official locations for the 2025 issue, on stands in May.
This collaboration will showcase Bermuda’s stunning landscapes and unique charm as the backdrop for the publication’s highly anticipated annual issue, marking a significant comeback having last served as the star location for the magazine’s Swimsuit Issue in 1995. 
Thirty years ago, Sports Illustrated Swimsuit captivated readers with its 1995 Swimsuit Issue titled ‘Basking in Bermuda’ featuring supermodels, Cheryl Tiegs, Ashley Richardson, and Rebecca Romijn photographed by Walter Iooss Jr., and the cover featuring Daniela Pestova photographed by Mike Reinhardt. The issue showcased the island’s unmatched natural beauty and stunning landscapes, with South Shore Beach featured on the front cover.
Now, three decades later, the magazine has returned to showcase Bermuda’s vibrant culture, hidden gems and natural wonders to reflect the spirit of adventure, athleticism, and style that the publication is celebrated for.
Taking place in March 2025, the shoot features an inspiring lineup of influential models, entrepreneurs and athletes, with a strong emphasis on body positivity and inclusivity. In a unique collaboration, the Swimsuit Issue worked alongside local Bermudian artists, designers, and communities to authentically represent the island’s iconic charm and lively spirit through supporting print and digital editorial content as well as social posts and stories to a following of over 10 million users. 
The shoot was filmed across Bermuda’s breathtaking beaches, hidden coves, cultural hotspots, and luxury properties, with a special focus on the iconic Cambridge Beaches Resort & Spa.
With its stunning ocean views and rich history, the property embodies the island’s timeless beauty, making it the perfect location for this year’s feature. 
Clarence Hofheins, General Manager at Cambridge Beaches Resort & Spa shares “I would like to extend our heartfelt gratitude to the Bermuda Tourism Authority for their ongoing partnership and collaboration and for bringing such exciting opportunities such as Sports Illustrated Swimsuit to our door. The organisation’s support has been invaluable in helping us showcase the beauty and hospitality of Bermuda on a global scale whilst increasing exposure for local businesses like ours to international travelers. We look forward to strengthening our relationship as we grow and thrive as a premier destination.” 
Jamari Douglas, VP of Marketing, PR and Communications at BTA states “The return of Sports Illustrated Swimsuit to Bermuda underscores the island’s status as a leading destination for luxury travel, fashion photography, and world-class experiences and we are beyond excited to welcome the team. This milestone partnership not only reinforces Bermuda’s appeal as a top tourism destination but also spotlights its commitment to inclusivity, creativity, and natural beauty on a global scale”. 
Follow Sports Illustrated Swimsuit here.
For more information on Bermuda visit www.gotobermuda.com

Aviators Alliance Bermuda soars to new heights

Jasmine Patterson
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Aviators Alliance Bermuda soars to new heights

The Aviators Alliance Bermuda’s first public session draws 100 attendees to the Bermuda College’s North Hall lecture theatre

Patrice Frith-Hayward hosts the Aviators Alliance Bermuda’s first pilot information session with co-founder, Bermudian pilot Tariq Lynch-Wade. Photo: Bermuda Broadcasting Company

The Aviators Alliance Bermuda, a group of aviation professionals and pilots hosted their inaugural information session geared towards those interested in becoming qualified pilots.

The event was held at the Bermuda College’s North Hall lecture theatre which drew 100 members of the public eager to hear from a panellist of 18 Bermudian pilots, some who live abroad, sharing their experiences via virtual conference and in-person.

Tariq Lynch-Wade, one of four co-founders of the organisation said, “Trajectory wise, I think we’re in the boom of a new era, with BermudAir coming about, with obviously the new airport terminal, with Blue Sky Flights…

“There a whole host of additional aviation opportunities being created right now.”

Mr. Lynch-Wade says there are around 15 to 18 Bermudian pilots actively working in the commercial airline industry internationally and countless others employed in the aviation industry as a whole.

He stressed to the audience that entering the industry is not a sole vocation and stressed the importance of connecting with a mentor to help guide aspiring pilots into their chosen career path.

The group consists of Rona Donawa, Ian Frith, Tariq Lynch-Wade and Nicole Warren.

Ms. Donawa said, “I would say inspired…you can see that this is attainable and its really just create to encourage the conversation around aviation as such an amazing field.”

The AAB also offered a raffle prize draw for all attendees awarding the winner, Julie Thomas, two round-trip ticket with BermudAir presented by BermudAir pilot Henrique Mattos and Rona Donowa of the Aviators Alliance Bermuda (pictured below).

BermudAir, one Bermuda-based aviation company, launched in September 2023 which has hired its first Bermudian pilot.

The company awaits the arrival of two additional Embraer 190 aircrafts in April 2025 to meet demand for their expanded destination catalogue.

The L.F. Wade International Airport underwent a major redevelopment plan officially re-opening in December 2020.

Mr. Lynch-Wade added, “We’ll use tonight as a metric to determine what would be our next steps but the aim of the group is to just highlight the aviation industry and show that it is possible for Bermudians to seek out the industry as a viable career.”

‘We are in a crisis’ – OBA’s Robin Tucker on hospital overcrowding

Bermuda Broadcasting Newsdesk
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‘We are in a crisis’ – OBA’s Robin Tucker on hospital overcrowding

‘Tangible support must be put in place to help’

One Bermuda Alliance statement from Shadow Health Minister Robin Tucker, MP, via press release:

Broadly the issue of having insufficient patient beds and the staffing issues at KEMH is part of a much larger problem.  For starters, taxpayers paid over $400 million to build a hospital with insufficient inpatient stay capacity.  It’s pretty obvious just by looking at the design that it was not purpose built to accommodate the inpatient needs of our general population.
Families need to be strongly encouraged to take their family members home and care for them.  Undoubtably most people want their relatives at home but they simply cannot care for them.  There must also be tangible support be put in place to help.  A day care is a help, but Bermuda needs more affordable nursing homes and greater caregiver support.  It’s unsurprising that staff at BHB are reaching a breaking point. 
They endured and supported us through the pandemic, yet we saw through the recent silent protest that while they took care of us, we weren’t taking care of them, and after giving so much them, we now ask them to give more.
We have known for years that a third of our population will be seniors by 2026, and that chronic conditions are becoming more prevalent. 
We haven’t adequately prepared for this day so much of what we are seeing play out at KEMH is sadly predicable. 
We are in a crisis, and families can help by taking home their loved ones to alleviate some of the strain on the hospital and its staff.

South Korea industry minister to visit US to discuss tariffs, sensitive country status

Bermuda Broadcasting Newsdesk
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South Korea industry minister to visit US to discuss tariffs, sensitive country status

South Korea’s trade minister urging his US counterparts to exempt the country from tariff measures

FILE PHOTO: The South Korean and American flags fly next to each other at Yongin, South Korea, August 23, 2016. Courtesy Ken Scar/U.S. Army/Handout via REUTERS/File Photo

International news via Reuters:

South Korea’s industry minister will visit Washington, D.C. this week to discuss with top U.S. officials the country’s concern over being placed on a U.S. watchlist and to push for fair treatment on tariffs, the industry ministry said on Wednesday.

The U.S. Department of Energy designation of South Korea as a “sensitive country” sparked controversy in Seoul, with the U.S. ally put on the lowest tier of a watchlist that includes China, Iran and North Korea among others. 

Industry Minister Ahn Duk-geun would “seek measures to quickly resolve the sensitive country designation issue,” the ministry said in a statement.

Ahn’s visit was an important opportunity, Foreign Minister Cho Ta-yul told lawmakers on Wednesday, when questioned about whether he thought Washington could be persuaded to remove South Korea from the watchlist. 

Joseph Yun, the acting U.S. ambassador in Seoul, said on Tuesday that South Korea was added on the list because visitors to the energy department’s labs mishandled sensitive information. 

When Ahn meets the U.S. secretaries of commerce and energy, he will also stress how much South Korea has invested in the United States to push for fair treatment on trade before U.S. reciprocal tariffs kick in on April 2, the ministry said.

South Korea’s trade minister recently also visited Washington, where he urged his American counterparts to exempt the country from tariff measures. 

Reporting by Ju-min Park and Hyunjoo Jin; Editing by Ed Davies

Minister Darrell Attends Preview of Bill Ming’s Latest Exhibition

Bermuda Broadcasting Newsdesk
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Minister Darrell Attends Preview of Bill Ming’s Latest Exhibition

The exhibition will be on display at the Masterworks Museum until 10 May 2025

Bill Ming, Minister Owen Darrell

Bermuda Government update via press release:

Bermudian artist Bill Ming showcased his latest exhibition, Bermuda – Stories in Memory, at the Masterworks Museum on 14 March 2025. Minister of Tourism & Transport, Culture & Sport, the Hon. Owen Darrell, JP, MP, was in attendance to view Ming’s work, which explores themes of heritage, identity, and cultural memory.

Reflecting on the exhibition, Minister Darrell stated, “Bill Ming’s recent collection of collages tells captivating stories rich with history and culture, capturing the spirit of our people and the stories that define us. His work continues to inspire and celebrate cultural heritage in meaningful ways.” 

Born in Bermuda, he has lived in the UK since 1971. He has made a significant impact on the local and international art scene, earning the Bermuda Arts Council Lifetime Achievement Award. Throughout his illustrious career, Bill has showcased his art in numerous solo and group exhibitions, taught at various art colleges, and advised and selected for exhibitions. 

Minister Owen Darrell, Bill Ming, Oliver K. Darrell
Bill Ming

In 1992-93, he became the first Black artist to serve as the Henry Moore Sculpture Fellow at John Moores University. His influence was further extended with his participation in the groundbreaking 1995 exhibition The Caribbean Connection, a pivotal event celebrated as one of the earliest showcases of Caribbean art in London. In 1994, his exhibit Homecoming was featured as one of the inaugural exhibitions at the Bermuda National Gallery. 

Bill’s legacy is also visible across Bermuda, with public sculptures displayed in various locations throughout the island. Notable works include “Against da Tide” sculpture in the City of Hamilton and “Figurehead,” a memorial in St. David’s honoring those lost at sea.

Minister Darrell added, “Bill Ming’s artistry is a powerful tribute to Bermuda’s rich history and cultural identity. On behalf of the Government of Bermuda, I express my sincere appreciation for his contributions, and I am grateful that he is preserving and sharing Bermuda’s unique narrative through art. I extend my gratitude to Masterworks and Bermudian curator Daisy Gould for bringing this exceptional exhibit to Bermuda. I encourage everyone to visit the exhibit and experience his work firsthand.”

The exhibition will be on display at the Masterworks Museum until 10 May 2025, offering the public an opportunity to engage with Bill Ming’s thought-provoking artistry.

Santander UK to axe a fifth of branches, around 750 jobs at risk

Bermuda Broadcasting Newsdesk
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Santander UK to axe a fifth of branches, around 750 jobs at risk

Santander said it had seen a 63% increase in digital transactions since 2019

FILE PHOTO: A pedestrian stands beside a logo for Spain’s Banco Santander in London January 28, 2009. REUTERS/Toby Melville/File Photo

International news via Reuters:

The UK arm of Spain’s Banco Santander said on Wednesday around 750 staff could lose their jobs under plans to close a fifth of its branch network, raising fresh questions about the scale of the lender’s UK presence.

Santander UK, which has recently been the subject of speculation about its future ownership, will close 95 of its 444 branches from June, it said in a statement.

The lender will continue to operate 349 outlets, including 290 full-service branches and 36 reduced-hours branches.

Like other banks across Britain, Santander has steadily reduced its branch network to save costs as more customers switch to digital banking.

Santander said it had seen a 63% increase in digital transactions since 2019, with financial transactions completed in branches down 61% in the same period.

But some UK lawmakers have criticised lenders for widespread closures, saying they made it tougher for local businesses and that vulnerable customers in rural areas were struggling to access their money.

Last September, the Financial Conduct Authority introduced new rules to make it harder for banks to shut branches without ensuring communities have free access to an alternative provider of cash.

“As a business, we must move with customers and balance our investment across all the places where we interact with customers, to deliver the very best for them now and in the future,” Santander UK said.

“Closing a branch is always a very difficult decision and we spend a great deal of time assessing where and when we do this and how to minimise the impact it may have on our customers.”

Santander said it was consulting employee unions on the changes and would provide support to staff affected, including assistance in finding alternative jobs in the bank.

Santander UK, which posted a 38% fall in annual pretax profit to 1.33 billion pounds ($1.73 billion) in 2024, employs around 18,000 people, according to the bank’s annual report.

Banco Santander said last month its UK unit remained a core part of its globally diversified business model and the division was not for sale, after media reports suggested it was reviewing its presence in Britain.

Reuters in January cited sources familiar with the matter as saying that Barclays had approached Santander about a possible offer but the talks ended at a preliminary stage.

($1 = 0.7708 pounds)

Reporting By Sinead Cruise and Andres Gonzalez; Editing by Amanda Cooper and Mark Potter

Hungary’s president signs law banning Pride parade despite protests

Bermuda Broadcasting Newsdesk
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Hungary’s president signs law banning Pride parade despite protests

The law bans Pride on the grounds that it could be considered harmful to children

People protest after parliament fast-tracked legislation to ban the annual Pride march by LGBTQ+ communities on the grounds that it could be considered harmful to children, in Budapest, Hungary, March 18, 2025. REUTERS/Marton Monus

International news via Reuters:

Hungary’s president has signed a law proposed by Prime Minister Viktor Orban’s ruling party that will ban LGBTQ+ communities from holding their annual Pride march, defying criticism by human rights organisations that it restricts freedom of assembly.

Protesters blocked a bridge in central Budapest on Tuesday evening after parliament passed the measure, fast-tracking a law proposed by Orban’s right-wing Fidesz party on Monday.

President Tamas Sulyok, a former Constitutional Court chief who was elected to the largely ceremonial position a year ago by the Fidesz parliamentary majority, signed the law. His office did not reply to Reuters questions on Wednesday. 

The law bans Pride on the grounds that it could be considered harmful to children. It also says police can use face recognition cameras to identify people who attend the event, and impose fines on participants. 

Orban, who is dealing with a struggling economy and an unprecedented challenge from a new opposition party ahead of a 2026 election, has long been critical of the LGBT community.

His policies often put him at odds with the rest of the European Union. Hadja Lahbib, the EU commissioner for equality, said on X that “the right to gather peacefully is a fundamental right to be championed across the European Union”.

Michael O’Flaherty, Council of Europe Commissioner for Human Rights, an independent institution promoting human rights in Europe, said he was “very concerned” about the new law and late on Tuesday urged Sulyok to veto it.

Budapest’s liberal mayor, Gergely Karacsony, also criticised the law and said this year’s Pride “could be bigger than ever”. Organisers said they planned to go ahead with this year’s march – scheduled for June 28 – despite the ban.

“Budapest is the city of freedom, there will be Pride,” Karacsony said. 

Orban, in office since 2010, has also pledged to crack down on foreign funding of independent media and NGOs, emboldened by moves by his ally, U.S. President Donald Trump.

Reporting by Krisztina Than; Editing by Frances Kerry

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