David Spector, Chairman & CEO, Director at PennyMac Mortgage, holds 259.60K shares in PennyMac Mortgage (Ticker: PMT), holds 1.10M shares in PennyMac Financial (Ticker: PFSI). Based on data from MarketBeat.com, the company has a consensus rating of Hold and a consensus target price of $69.50. Government correspondent locks were $15.7 billion, down 8% from the prior quarter and up 21% from the second quarter of 2020. Advances are expected to continue increasing over the next 6 to 12 months. 47.206 (3) & (4). And, we continue to enhance our MAC portal, thus improving the ability for borrowers to self-service throughout the entire origination process. So, from our home to yours, thank you! Thank you. The prepayment speeds of PennyMac Financials subserviced portfolio which includes mostly Fannie Mae and Freddie Mac mortgage servicing rights owned by PMT decreased slightly to 38.9% from 39.2%. No representations and warranties are made as to the reasonableness of the assumptions. It operates through the following segments: Production, Servicing, and Investment Management. Stockholders of record on Tuesday, February 14th were given a dividend of $0.20 per share. The Big Take is the very best of Bloomberg's in-depth, original reporting from around the globe every day. Our investment management segment delivered pretax income of $4.1 million, up from $1.4 million in the prior quarter as a result of incentive fees earned and down from $4.7 million in the second quarter of 2020. In order to protect the value of our MSR asset, we utilize a comprehensive hedging strategy. Trade/service marks are the property of PennyMac Loan Services, LLC and/or its subsidiaries or affiliates. This hiring mostly occurred in three key areas, servicing, direct lending and fulfillment services. Net income in the fourth quarter was the second highest in the history of the company. At PennyMac, our commitment to our customers doesnt end at closing. What was David Spector's most profitable transaction? BBB File Opened: 2/5/2015. On Monday, December 12th, David Spector sold 12,750 shares of PennyMac Financial Services stock. And for the month of July, we repurchased an additional 2.5 million shares for an approximate cost of $151 million. 3043 Townsgate Rd Ste 200, Westlake Village, CA 91361-3027. The return on the trade was 60.70%. In the fourth quarter, the pretax income was $234.1 million, a 31% decrease from . These valuation declines were primarily driven by significant levels of prepayment activity and early buyouts. Pretax income excluding valuation-related items for the servicing segment was $234.3 million, up 30% from the prior quarter and 499% from the fourth quarter of 2019. Rhode Island Licensed Lender # 20092600LL, Loan Broker, and Third Party Loan Servicer. The barriers to entry for these businesses that require scale for success provide PFSI a strategic advantage over our competitors. Up to 5 Pennymac Westlake Village, CA Office | Glassdoor Get a breakdown of the different strategies based on detected insider trading activity. PennyMac Financial Services can also be reached via phone at (818) 224-7442 and via email at pfsi_ir@pnmac.com. Margins in our consumer direct channel still remain elevated relative to historical levels. In the last year, insiders at the real estate investment trust sold shares 23 times. For licensing information, go to: www.nmlsconsumeraccess.org. With PFSIs historical focus on purchase market originations combined with our large and growing servicing portfolio, we believe we are well-positioned to successfully grow share in all three of our production channels, driving an increase in our overall market position. The direct lending channels continued to have an outsized impact on PFSIs production earnings in the fourth quarter. However, margins in this channel remain attractive. | 3 Mrz 2023. Advances are expected to increase over the next few quarters as many property tax payments become due toward the end of the calendar year. I am incredibly thankful and proud of the over 6,000 PennyMac employees who managed through the challenges of the pandemic to deliver these extraordinary results. Pennymac Cares | Thank You from President & CEO, David Spector Share Your Design Ideas, New JerseysMurphy Defends $10 Billion Rainy Day Fund as States Economy Slows, What Led to Europes Deadliest Train Crash in a Decade, This Week in Crypto: Ukraine War, Marathon Digital, FTX, Chairman/CEO, Pennymac Mortgage Investment. Our phased approach to returning to our offices extends beyond simply ensuring that PennyMacers return to a safe working environment, but also takes mindful consideration for the challenges faced by our employees related to issues such as dependent care and schooling. Earnings per share grew 328% for the year with net income up 319%. Head over to our Expert Center to see a list of the, Invest Like a Pro with Unique Data & Simplifed Tools, See the Hottest Stocks Based on Insider Trading >. Additionally, PFSI's Board of Directors approved an increase to its stock repurchase authorization from $1 billion to $2 billion. The stock was sold at an average price of $60.80, for a total value of $912,000.00. Meet our Smart Portfolio. Government loan acquisitions in the quarter totaled $16.2 billion, down 7% from the prior quarter and up 47% from the second quarter of 2020. A free inside look at company reviews and salaries posted anonymously by employees. While the Pennymac workforce stays. PennyMac Financial Services Inc had annual average EBITDA growth of 35.90% over the past five years. The shares were sold at an average price of $60.80, for a total transaction of $912,000.00. PennyMac Loan Services, LLC Attention: Correspondence Unit PO Box 514387 Los Angeles, CA 90051-4387, Notice of Error and Information Requests Only. However, he will become a special advisor to David Spector, chairman and chief . The committed pipeline at January 31 was $3 billion. This hedging strategy is designed to moderate the impact of interest rate changes on the fair value of our MSR asset and also considers production-related income. PennyMac Mortgage Investment Trust (PMT) CEO David Spector on Q1 2021 I'll now turn it over to Dan, who will speak to the financial results for the quarter. Changes in these assumptions may have a material impact on the backtested returns presented. In July, originations for our consumer direct channel totaled $3.5 billion and locks totaled $5.5 billion. As you will see on slide 20, we provide a breakdown of the revenue contribution from each of PFSIs loan production channels, net of loan origination expenses, including the fulfillment fees received from PMT for conventional correspondent loans. On Monday, December 12th, David Spector sold 12,750 shares of PennyMac Financial Services stock. While industry production margins declined in the second quarter, we saw a smaller decrease in overall production margin given the mix shift towards our consumer direct lending channel. How do I contact David A. Spector? While Kurland had been battling brain cancer, the cause of death was attributed to complications from COVID-19, separate . PennyMac founder Stanford Kurland dies - National Mortgage News And as our production mix continues to shift toward direct lending, production expenses as a percentage of fallout-adjusted locks are expected to trend higher. PennyMac Financial Services, Inc. (NYSE:PFSI) CEO Sells $912,000.00 in The ex-dividend date was Monday, February 13th. Revenue per fallout adjusted lock for PFSIs own account was 217 basis points in the fourth quarter, down slightly from 236 basis points in the third quarter. And the committed pipeline at July 31 was $1.9 billion. If you're not automatically redirected, please click here. And finally, PFSIs Board of Directors approved an increase to its stock repurchase authorization from $500 million to $1 billion of outstanding common stock. "I am delighted to announce Doug Jones' election to our. The company has a market cap of $3.09 billion, a price-to-earnings ratio of 7.36 and a beta of 1.49. Is this happening to you frequently? Thank you. We have made significant investments to scale our end-to-end mortgage fulfillment process while we expect the substantial investments in technology we have made to continually improve the customer experience over time. Chief Enterprise Ops Officer Jeffrey Grogin sold 13,521 shares of PFSI stock on 01/04/2021 at the average price of $62.53. Before we begin, let me remind you that our discussion contains forward-looking statements that are subject to risks identified on slide two that could cause our actual results to differ materially as well as non-GAAP measures that have been reconciled to their GAAP equivalent in our earnings presentation. This expertise and experience has served us well, enhancing our ability to help many borrowers affected by the COVID-19 pandemic. Our balanced business model continues to deliver consistent profitability and value creation as it has done over the last seven years as a public company. This net worth estimate does not reflect any other assets that Mr. Spector may own. PennyMac Financial Services, Inc. (PFSI) CEO David Spector on Q4 2020 Operating expenses were also down quarter-over-quarter as the prior quarter included seasonal accruals of compensation related expenses. Business Incorporated: Our capital markets group achieved significant hedging gains that largely offset $1.1 billion in MSR fair value losses over the year, which were driven by historically low interest rates and fast prepayment speeds. The results reflect performance of a strategy not historically offered to investors and does not represent returns that any investor actually attained. Russia's war on Ukraine latest: Putin casts war as battle for nation's survival, India FM Jaishankar says Soros dangerous, debate needed on democracy, Buffett's Berkshire profit falls on investments, currencies, Bill Gates buys Heineken stake, despite saying he's 'not a big beer drinker', Elon Musk recruits team to develop OpenAI rival - The Information, Hedge fund manager Chris Hohn demands Airbus drop Atos deal - letter, Elon Musk's challenge: Stay ahead of the competition, ISS urges Apple shareholders to vote for CEO Tim Cook, other execs' pay packages, Elon Musk accuses media of racism after newspapers drop 'Dilbert' cartoon, French media billionaire Niel fails with bid for TNT television frequence - Arcom, Private National Mortgage Acceptance Co. LLC. David Spector email address & phone number | Penny Mac Chief Investment This balanced business helps generate strong results across a variety of market and rate environments. 33% of correspondent acquisitions were government loans and 67% were conventional loans. Previously, Mr. Spector served as PennyMac Financials President and Chief Operating Officer. The stock was sold at an average price of $58.12, for a total value of $741,030.00. The committed pipeline at July 31 was $7.2 billion. David served as President and Chief Investment Officer and President and Chief Operating Officer for PennyMac. 2 job at Countrywide Financial to founding the pair of publicly traded companies known as PennyMac, has died at 68. Segment revenue was $13.5 million, up 41% from the first quarter and 28% from June 30, 2020. Backtested performance is developed with the benefit of hindsight and has inherent limitations. Tower Research Capital LLC TRC Increases Stake in Centrus Energy Corp. Tower Research Capital LLC TRC Boosts Stock Position in Centrus Energy Corp. UBS Group AG Increases Position in Northern Oil and Gas, Inc. Tower Research Capital LLC TRC Increases Position in ABB Ltd (NYSE:ABB), Tower Research Capital LLC TRC Has $254,000 Holdings in Daqo New Energy Corp. (NYSE:DQ), ABB Ltd (NYSE:ABB) Shares Bought by Tower Research Capital LLC TRC, Tower Research Capital LLC TRC Increases Stake in Centrus Energy Corp. (NYSEAMERICAN:LEU), Tower Research Capital LLC TRC Boosts Stock Position in Centrus Energy Corp. (NYSEAMERICAN:LEU), UBS Group AG Increases Position in Northern Oil and Gas, Inc. (NYSE:NOG), Tower Research Capital LLC TRC Sells 3,797 Shares of Daqo New Energy Corp. (NYSE:DQ), Tower Research Capital LLC TRC Lowers Stake in Invesco Defensive Equity ETF (NYSEARCA:DEF), Tower Research Capital LLC TRC Acquires 94,572 Shares of Geron Co. (NASDAQ:GERN), Tower Research Capital LLC TRC Has $255,000 Stake in Geron Co. (NASDAQ:GERN), Gentherm Incorporated (NASDAQ:THRM) Stock Position Increased by Tower Research Capital LLC TRC, Tower Research Capital LLC TRC Sells 1,356 Shares of iShares Dow Jones U.S. ETF (NYSEARCA:IYY), Tower Research Capital LLC TRC Sells 4,212 Shares of Chesapeake Utilities Co. (NYSE:CPK), Tower Research Capital LLC TRC Has $260,000 Stock Position in Veradigm Inc. (NASDAQ:MDRX), Tower Research Capital LLC TRC Sells 2,680 Shares of The Toronto-Dominion Bank (NYSE:TD), Veradigm Inc. (NASDAQ:MDRX) Shares Bought by Tower Research Capital LLC TRC, UBS Group AG Has $3.26 Million Stock Holdings in Delek Logistics Partners, LP (NYSE:DKL), Tower Research Capital LLC TRC Decreases Stake in Westamerica Bancorporation (NASDAQ:WABC), Tower Research Capital LLC TRC Grows Stock Holdings in Barnes Group Inc. (NYSE:B), Woodside Energy Group Ltd (OTCMKTS:WOPEY) Shares Sold by UBS Group AG. January 25, 2021, 12:31 p.m. EST 1 Min Read. Stanford Kurland. Similarly, new customer acquisition or non-portfolio interest rate lock commitments were $1.5 billion, essentially unchanged from the prior quarter and up from $274 million in the second quarter of 2020. Its Time For A Fresh Look At The Kroger Co. West Frasers Earnings Scream Timber, Outlook Says Buy, MarketBeat.com's FREE daily email newsletter, Tower Research Capital LLC TRC Increases Position in ABB Ltd. Tower Research Capital LLC TRC Has $254,000 Holdings in Daqo New Energy Corp. ABB Ltd Shares Bought by Tower Research Capital LLC TRC. PennyMac Financial Services, Inc. has a 12-month low of $38.53 and a 12-month high of $73.79. This concludes PennyMac Financial Services, Inc.'s second quarter earnings discussion. And I'm pleased to be joined by PennyMac Financial Services CEO,. Our balanced business with our large and growing servicing portfolio also becomes an increasingly important component of our earnings as interest rates increase, and we believe this provides a competitive advantage relative to others when the industry's origination volumes return to more normalized levels. Segment revenue was $9.7 million, down from $9.8 million in the prior quarter which included gains related to PMT shares owned by PFSI. We built our correspondent business into the largest in the U.S. over the last decade while at the same time growing our servicing portfolio, primarily organically. General assumptions include: XYZ firm would have been able to purchase the securities recommended by the model and the markets were sufficiently liquid to permit all trading. View detailed PFSI description & address. Insiders at PennyMac Financial Services own 18.0% of the company. Pennymac Financial Services, Inc. annonce que Doug Jones s'est joint The percentage of profitable transactions made by David Spector is 44%. Enter your email to receive our newsletter. The company reported a net income of $1 billion in 2021, down from a record of $1.6 billion in the previous year. PFSI's Board of Directors also declared a second quarter cash dividend of $0.20 per share. President & CEO David Spector sold 30,000 shares of PFSI stock on 01/12/2021 at the average price of $57.43. We encourage investors with any questions to reach out to our Investor Relations team by e-mail or phone. And while we believe the mortgage market will continue to change from a competitive and regulatory perspective, the infrastructure and risk management disciplines that distinguish PennyMac from others in the industry position us well. In total, these strong acquisition and origination volumes continue to drive the organic growth of our servicing portfolio despite elevated prepayment activity. David A. Spector Age : 59 Public asset : 66,368,555 USD Linked companies : PennyMac Financial Services, Inc. - PennyMac Mortgage Investment Trust Summary David A. Spector is a businessperson who has been the head of 9 different companies. David Spector also recently made the following trade(s): PFSI stock opened at $61.78 on Friday. What is the percentage of profitable transactions made by David Spector? In the fourth quarter, PennyMac Financial delivered net income of 38 Im proud of the actions we have taken and the dedicated management team across the company that has helped put these plans into action. This represents a $0.80 dividend on an annualized basis and a dividend yield of 1.29%. Learn More on David A. Spector's trading history. David Spector Net Worth, Biography, and Insider Trading Pennymac Loan Services LLC | Better Business Bureau Profile What is the average return per transaction made by David Spector? Pennymac's state licenses and important notices. Now Ill turn it over to Doug Jones, PFSIs Senior Managing Director and Chief Mortgage Banking Officer to provide you some more details on our mortgage banking businesses. I am pleased to note that PFSIs Board of Directors declared a fourth quarter cash dividend of $0.20 per share, representing a 33% increase from the prior quarter. Thanks, Andy. While the Pennymac workforce stays home to help flatten the curve, we know first responders, medical staff, delivery drivers, our essential workers and more, are out there heroically providing for those in need. And with that, I would like to turn it back to David for some closing remarks. This outstanding income generated excess capital that we redeployed into increased levels of production, share repurchases, reduction of debt, and increased servicing activity. PennyMac Financial Services, Inc. (PFSI) CEO David Spector on Q2 2021 Declining interest rates generally produce strong earnings in our production segment, while rising rates will generally produce strong earnings in our servicing segment as prepayments decline and the value of the MSR increases. All of these workflow and technology investments will improve the experience for the consumer and for the broker, improve productivity, specifically in sales and operations, which will enable higher volumes at a reduced cost to originate. The corporate mailing address for Mr. Spector and other PennyMac Financial Services executives is 3043 TOWNSGATE ROAD, WESTLAKE VILLAGE CA, 91361. Lastly, we encourage investors with any questions to reach out to our Investor Relations team by email or phone. Production segment pretax income was $572.6 million, down 7% from the prior quarter and up 182% from the fourth quarter of 2019, driven by continued growth in direct lending and strong performance across all channels. David Spector Sells 15,000 Shares of PennyMac Financial Services, Inc View open jobs at this location. PennyMac is a mortgage lender and servicer headquartered in Westlake Village, California. And finally, PMT, the investment vehicle that PFSI manages was able to largely preserve its book value in 2020 which led to solid results in PFSIs Investment Management segment. Pennymac's servicing portfolio grew to $518 billion in unpaid balance, up 2% from Dec. 31, 2021, and 16% from March 31, 2021, led by production volumes which more than offset prepayment activity,. These businesses are foundational to PFSI and not easily replicated. Mr. David Spector, CEO Mr. Andrew Chang, CFO Mr. Derek Stark, Chief Legal Officer Additional Contact Information Phone Numbers (800) 777-4001 Other Phone Email Addresses Email this. David Spector - Chief Investment Officer at Pennymac Loan Services, Llc Finally, Maverick Capital Ltd. raised its position in shares of PennyMac Financial Services by 33.5% during the 4th quarter. While our employee base grew by 60% during the year, our production volumes grew by 67% and our earnings increased by 328%. This is not a commitment to lend. Our large, organically built servicing portfolio provides a counter-balance to our production activity. Interest rate lock commitments in the fourth quarter totaled $12.8 billion in UPB, up 18% from the prior quarter, and 135% from the fourth quarter of 2019. In January, our consumer direct originations totaled $3.1 billion in UPB and locks totaled $4.4 billion. No P&I advances are outstanding as prepayment activity continued to sufficiently cover remittance obligations. All loan programs subject to borrowers meeting appropriate underwriting conditions. Director, 10% Owner Stanford L Kurland sold 31,000 shares of PFSI stock on 01/07/2021 at the average price of $60.12. As you can see on page 11 of our slide presentation, correspondent acquisition volumes totaled $56.9 billion in UPB in the fourth quarter, up 28% from the prior quarter and 53% from the fourth quarter of 2019. The shares were sold at an average price of $60.64, for a total transaction of $1,586,888.16. David Spector Work Experience and Education Work Experience Chairman & Chief Executive Officer PennyMac Mortgage Investment Trust 2007-2022 Chief Credit Officer Santander Consumer USA 2013-2016 Co-Head of Global Residential Mortgages Morgan Stanley 2005-2008 Global Managing Director, Banking & Markets Bank of America 2004-2010 Education Our costs vary by channel, ranging from approximately 15 basis points in correspondent to 150 basis points in consumer direct. Learn More on PennyMac Financial Services' active insiders. (business & personal). (03-2023). Massachusetts Mortgage Lender License # MC35953. Enter your email address below to get our daily insider buying and selling report. We are also increasing the use of online closings and automation. Additionally, we believe FHFA's elimination of the adverse market refinance fee has resulted in a larger population of loans that would benefit from a refinance at today's lower rates, further supporting the origination market. David Spector is currently Chairman of the Board, President and Chief Executive Officer at PennyMac - View - PennyMac org chart PennyMac Financial Services, Inc. (NYSE:PFSI) Q4 2020 Earnings Conference Call February 4, 2021 4:30 PM ET, Isaac Garden - Vice President Investor Relations, David Spector - President and Chief Executive Officer, Doug Jones - Chief Mortgage Banking Officer. PennyMac Financial Services Inc has a market cap of $4.16 billion; its shares were traded at around $57.450000 with a P/E ratio of 3.36 and P/S ratio of 1.35. David Spector's most profitable transaction was an Informative Sell of PMT stock on March 22, 2019. Thanks, Doug. The origination market continues to be strong on a historical basis as mortgage rates have recently returned to near record lows. The business also recently declared a quarterly dividend, which was paid on Friday, February 24th. Importantly, and as Doug Jones, Senior Managing Director and Chief Mortgage Banking Officer, will expand on in his section of the presentation, we sold $3.4 billion in UPB of early buyout loans to third-party whole loan investors, thus reducing the risk associated with holding these loans and increasing our capital efficiency. As Andy described earlier, all of this record production feeds our servicing portfolio, which at December 31, 2020 totaled $426.8 billion in UPB, up 6% from the end of the third quarter and up 16% over the end of 2019. With the large and growing servicing portfolio and an industry leading correspondent production group, PFSI is an established leader with a growing presence across all facets of mortgage banking. Further, backtesting allows the security selection methodology to be adjusted until past returns are maximized. State of Wyoming raised its position in shares of PennyMac Financial Services by 9.3% during the 4th quarter. These transactions provide PennyMac the additional capacity and liquidity to efficiently execute loss mitigation strategies as sales of these loans to third parties also eliminate the potential for associated margin calls. Operating revenue decreased $2 million from the prior quarter driven by declines in earnings on custodial balances. Fourth quarter performance was very strong across loan production and servicing and we continue to see the strength of our balanced business model in our results. Ultimately, we believe for these reasons, PennyMac will continue its market share growth as a channel leader. The scale we have achieved in our correspondent business, combined with our low-cost structure and operational excellence in the channel, allow us to operate profitably through volatile market environments. Susquehanna Fundamental Investments LLC raised its position in shares of PennyMac Financial Services by 24.8% during the 4th quarter. Schonfeld Strategic Advisors LLC now owns 60,866 shares of the real estate investment trusts stock worth $3,449,000 after purchasing an additional 54,266 shares during the last quarter. The price of the stock has decreased by 4.44% since. The number of approved brokers totaled 1,574, up 11% over the end of the third quarter. His leadership helped lay the foundation for PennyMacs long term success which included building and developing a deep management team that carries on his legacy. Importantly, we continued to repurchase stock, with 2.6 million shares of PFSI's common stock bought back during the quarter for an approximate cost of $155 million. Thank you, David. .This article first appeared on GuruFocus. The TipRanks Smart Score performance is based on backtested results. Please disable your ad-blocker and refresh. To ensure this doesnt happen in the future, please enable Javascript and cookies in your browser. Net income in the fourth quarter was the second highest in the history of. Pretax income excluding valuation related changes in our servicing segment in 2020 more than doubled from 2019 as we assisted borrowers emerging from forbearance using various loss mitigation strategies. These record volumes resulted in the growth of our servicing portfolio to $427 billion in UPB, despite extraordinary levels of prepayment activity. PennyMac Financial Services, Inc. a annonc que Doug Jones, prsident et directeur des services hypothcaires, a rejoint son conseil d'administration compter du 1er mars 2023. Looking at the consumer direct channel in the center column, we originated $8 billion in UPB of loans, up 27% from the prior quarter and 113% from the fourth quarter of 2019. What was David Spectors latest transaction? Speaker: David Spector - Chairman and Chief Executive Officer Thank you Isaac. The percentage of loans in forbearance decreased to 4.9% at June 30 from 6.3% at March 31, as borrowers in forbearance plans at March 31 who have since exited more than offset new forbearance plans. What is David Spector's role in PennyMac Mortgage? Prognosis explores health, wellness, and the ways in which modern science is allowing us to live better - in both the long term, and day-to-day, Londons Investment Appeal Is Unraveling as Arm Heads to the US, Climate Change Is Launching a MutantSeed Space Race, British Parents Turn to Home Equity to Help Young Buy Property, Sorry, Fed, Most US Mortgage Rates Were Locked in During Pandemic Lows, Fed Says MoreRate Hikes Are Needed to Curb Inflation, Italys CDP Is Nearing Offer for Telecom Italia Network, China E-Commerce Giant JD Set for $1.4 Billion Discount Spree, US-Sanctioned Huawei Makes a Show of Force at Mobile Conference, In Blacklisting Inspur, US Targets Partner Used by Intel and IBM, The UK Is Using Drones to Prosecute Small-Boat Migrant Smugglers, Philippine governor, 5 others killed in brazen attack, An Emboldened Rishi Sunak Gets Ready to Fight His Own Party Over Taxes, Harrods Shrugs Off Recession Fears as Rich Get Richer, FT Says, Wealthy NYC Family Feuds Over $258 Million Madison Avenue Sale, Tom Sizemore, 'Saving Private Ryan' Actor, Dies at 61, The Exhibit Reality TV Show PittingArtist Against ArtistIs No Masterpiece, Matt HancockWhatsApp LeakExposes theNeed for Covid Justice, Brexit Might Have Been Prevented With Deals Like This, Video Roundup: Opinions Must-See Footage of the Week, YellowstoneBackers Wanted to Cash OutThen the Streaming Bubble Burst, How Countries Leading on Early Years of Child Care Get It Right, Female Execs Are Exhausted, Frustrated and Heading for the Exits, No Major Offer Expected on Childcare in UK Budget, Biden Gives Medal of Honor to Trailblazing Special Forces Member, UK Braces for Rare Weather Event That Risks Late-Winter Freeze, Panic Over Metals for EVs Goes All the Way to Automakers C-Suites, What Do You Want to See in a Covid Memorial?
Posted in simone de alba