Tag: 3BL

The Birmingham Zoo welcomed a new resident to its freshly completed Wojciechowski Cougar Crossing habitat. A female orphaned cougar cub from Montana arrived safely at the zoo on Tuesday, February 11, marking a significant milestone ahead of the habitat’s mid-March opening.

The transport of the cub was a collaborative effort involving the Birmingham Zoo, FedEx, and Montana Fish, Wildlife & Parks. The young cougar, named Juniper, estimated to be four to five months old and weighing between 30 and 40 pounds, traveled by plane from Great Falls, Montana, to Memphis, Tennessee. From there, she was transported by the Birmingham Zoo to her new home.

Chris Pfefferkorn, President and CEO of the Birmingham Zoo, expressed his excitement about the new addition, stating, “The arrival of this first cub is a major step towards us opening the Wojciechowski Cougar Crossing in mid-March. This project has been years in the making, and it’s truly heartwarming to see the community come together to make it a reality.”

Heather Harshbarger, communications advisor for FedEx Cares, highlighted the company’s commitment to animal welfare, stating, “FedEx has a long history of working closely with zoos and aquariums to provide safe travel for animals using our extensive global transportation network and logistical expertise. We are proud to donate the cost of this mountain lion cub delivery.”

The Birmingham Zoo staff worked diligently to help Juniper acclimate to her new surroundings and plans were underway to find another orphaned cub around her age to join her in the Wojciechowski Cougar Crossing habitat. This effort aimed to provide companionship and enrichment for the young cougar.

Shortly after Juniper’s arrival, the zoo also welcomed two new bobcats, Baxter and Boomer, transported by FedEx from the San Diego Humane Society. These seven-year-old bobcats arrived on March 7 and quickly adjusted to their new home. Baxter and Boomer’s arrival further enriched the Wojciechowski Cougar Crossing habitat, showcasing the zoo’s commitment to providing a safe and enriching environment for all its animals.

The last of the four residents, Spruce, another orphaned cougar cub, was one of three siblings rescued by the California Department of Fish and Wildlife (CDFW) and cared for at the Oakland Zoo. After their mother was killed by a car, the cubs were found in Portola Valley. Spruce, also transported by FedEx, was chosen to join Juniper at the Birmingham Zoo. The hope is for them to become best friends like Baxter and Boomer.

As the Birmingham Zoo celebrates its 70th anniversary in 2025, the opening of the Wojciechowski Cougar Crossing on March 19 marked a significant milestone in its history. The new habitat stands as a symbol of hope, community effort, and the zoo’s dedication to animal care and conservation. Zoo visitors will learn about the important conservation efforts behind these beautiful animals.

FedEx donated the transportation costs for the cougar cubs and bobcats as part of the company’s FedEx Cares “Delivering for Good” initiative, in which FedEx lends its global network and unparalleled logistics expertise to organizations with precious cargo requests and helps communities before, during, and after crises.

Click here to learn about FedEx Cares, our global community engagement program.

***Photos courtesy of Oakland Zoo and Birmingham Zoo

Pairwise is a new innovative way of separating arriving aircraft, developed by Leidos UK and the air traffic service NATS. It is helping to boost on-time performance and cut carbon emissions at London’s Heathrow Airport.

Pairwise works by introducing a totally new way of calculating the minimum separation between arriving pairs of aircraft.

It is delivered using Intelligent Approach (IA), an arrivals spacing tool, jointly developed by Leidos and NATS with help from Think Research, that helps controllers to safely optimise the gaps between aircraft arriving at an airport. IA first went live in 2015 at London Heathrow and is now also in operation at Amsterdam Schiphol and Toronto Pearson airports.

“Pairwise marks another new milestone in the advancement of the Intelligent Approach tool,” said Graham Emmons, vice president and managing director of civil at Leidos UK, “advancing this world-leading solution to deliver even greater benefits for airports, airlines, passengers and importantly the environment.”

Traditionally, aircraft separation is based on six categories taking into account the aircraft’s weight and the amount of wake vortex it generates.

What Pairwise does is it tailors the separation between each pair of aircraft using the specific characteristics of each individual aircraft type. Tailoring the separation in this far more granular way means air traffic controllers can safely reduce the gap between some pairs of aircraft and increase the overall flow of traffic.

Graham Emmons
VP, Managing Director Leidos Civil UK

This sophisticated approach to Time Based Separation (TBS) is especially beneficial for capacity-constrained airfields, with Pairwise enabling existing runways to utilise maximum capacity without the need for expensive changes to ground infrastructure.

Successful deployment at Heathrow

At Heathrow airport, one of the world’s busiest international airports and the UK’s largest, Pairwise was deployed at the end of last year. The technology is expected to increase the landing rate by around two additional arrivals per landing runway per hour versus traditional wake vortex groups.

While the overall number of flights at Heathrow is capped by government regulation, being able to land more aircrafts per hour will help to minimise delays and airborne holding, resulting in significant fuel and emissions savings as well as increased passenger satisfaction.

IA’s TBS is already delivering up to 47,000 tonnes of CO2 savings at Heathrow, in addition to delay savings and additional tactical runway capacity. Pairwise adds significant further savings. The airport is scheduled at 99 per cent of its declared capacity, meaning any impact on landing rate increases the possibility of both delays and cancellations.

“With Pairwise, the airport has more tactical capacity for flight movements, so flights arrive and depart more on schedule,” explained Emmons. “It improves punctuality at the airport, along with the environmental benefits.”

“Deploying innovative technology like Pairwise separation at Heathrow makes a real difference to our operation’s overall resilience,” said Kelly Stone, head of airport operations Heathrow Airport Limited.

Intelligent Approach benefits

Intelligent Approach, developed jointly by Leidos UK and NATS, was a world first when it deployed at Heathrow in 2015. Its use of dynamically calculated time-based separation – as opposed to static, distance-based gaps – cut headwind delays by more than 60% and reduced airborne holding by 230,000 minutes per annum, saving over 47,000 tonnes of CO2. Pairwise is an exciting opportunity to add further value to these benefits.

Learn more about Intelligent Approach

Originally published on GoDaddy Resource Library

I am a Senior Recruiting Coordinator at GoDaddy and have been with the company for ten months. With nine years of experience in Talent Acquisition, Recruiting, Candidate Experience, and Customer Support, I am passionate about this field. It allows me to assist others in securing their dream jobs and enhancing their interview processes. I studied International Business Management, and during my internship with General Electric, I discovered my passion for Talent Acquisition. That initial experience ignited a profound passion within me, compelling me to seek further opportunities in the field. Throughout my career, I’ve had the opportunity to work with both startups and multinational companies across various industries, including Tech, Education-Tech, Oil and Gas, Beauty, and Telecommunications. This diverse experience has provided me with a well-rounded perspective and a deep understanding of different talent needs. I also have a strong passion for languages, which has helped me work effectively with teams and candidates from all over the world. In addition to my corporate role, I’ve been passionate about beauty and fashion since I was 14 years old. I started watching makeup tutorials on YouTube, and in 2018, I began studying makeup professionally, which I continue to do today. I really enjoy balancing my career at GoDaddy with my creative side in beauty, as it allows me to explore both my corporate and artistic passions in parallel.

What initially attracted me to GoDaddy was its global influence, innovative strategies, and dedication to empowering small businesses. The chance to work in such a dynamic environment, surrounded by talented colleagues, has been a perfect match for my skills and ambitions. I’ve genuinely appreciated my time here.

What has driven your growth most through your career? 

My growth has been fueled by an unwavering curiosity and a deep passion for enhancing processes. Being able to see how small changes can lead to big improvements, whether in candidate experience or team efficiency, really keeps me motivated. I also thrive on collaboration and learning from colleagues across different departments and cultures, which has significantly helped me grow in my role. One of the key drivers for me has been my love for working with both customers and candidates. I find great fulfillment in interacting with people and always strive to make every interaction better, whether it’s enhancing the candidate experience or building stronger relationships with stakeholders. This focus on people and continuous improvement has really shaped my career growth.

If you had to describe GoDaddy’s culture in one word, what would it be and why? 

Inclusive. GoDaddy is all about bringing people together from diverse backgrounds, cultures, and experiences. It’s a place where everyone’s voice is heard, and there’s a genuine commitment to supporting each other’s growth. The company also values work-life balance, which allows us to be productive while maintaining a healthy personal life. Additionally, recognition is an integral part of the culture here.

Employees are celebrated for their contributions, which makes it a truly motivating environment.

This inclusive, balanced, and appreciative atmosphere is one of the things I love most about working at GoDaddy!

How have you and the team stayed successful and collaborated whilst working remote? 

Effective communication and mutual trust have been essential for our remote work success. We’ve built a culture of transparency, and we make sure to stay connected through regular check-ins, virtual team meetings, and collaborative tools. It’s really empowering to know that we can achieve our goals while maintaining flexibility and still feel like a tight-knit team.

What advice would you give to someone who is looking to join the company? 

I would advise anyone looking to join GoDaddy to be ready to embrace a fast-paced, innovative environment. It’s important to be adaptable and open to change, as the company is always evolving. Having a passion for helping small businesses and being excited about technology and global collaboration will also go a long way. Above all, be yourself – GoDaddy values authenticity and diverse perspectives!

What do you enjoy doing outside of work? 

Outside of work, I’m a content creator, model, and makeup artist. I’m passionate about beauty and fashion, and I love keeping up with the latest trends and sharing my experiences on social media. This also gives me the opportunity to meet amazing people and connect with brands. I’m also a big fan of traveling, exploring new restaurants, and having great food experiences. One of my favorite things to do is visit bubble tea places—I absolutely love sipping on boba while walking around! I also enjoy going to concerts. There’s something about the energy of live music that I find incredibly exciting and fulfilling. Spending time with my family and my partner is incredibly important to me, and I truly cherish those moments of connection. I also love animals and have two cats, Niza and Marshmellow, who bring so much joy and fun into my life! Additionally, I’m passionate about learning languages. I’m a native Spanish speaker, fluent in English, and I know a bit of French. Right now, I’m learning Portuguese, and I’m really excited to expand my language skills to continue in my journey of connecting with more people around the world!

Are you enjoying this series and want to know more about life at GoDaddy? Check out our GoDaddy Life social pages! Follow us to meet our team, learn more about our culture (Teams, ERGs, Locations), careers, and so much more. You’re more than just your day job, so come propel your career with us.

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The shift to cleaner energy sources is vital for reaching climate targets and securing our global energy future. To ensure a smooth transition, businesses, governments and other stakeholder agencies should consider infrastructure needs, policy changes, and fair access for all.

This guide explores the key drivers, emerging trends, and potential impacts of the energy transition, along with insights on how organizations can contribute to a more sustainable future.

What Is Energy Transition? 

Energy transition refers to the global shift from fossil fuel-based energy systems to low-carbon and renewable alternatives. This transformation is essential to reducing greenhouse gas emissions and meeting international climate targets, including limiting global warming to 1.5°C above pre-industrial levels as outlined in the Paris Agreement.

Learn more: Energy Transition Explained: Why and How the World Is Making a Shift 

The impact of the changing energy mix on infrastructure

The energy mix is shifting as renewables like wind, solar, and hydrogen gain ground. However, fully realizing this transition requires massive infrastructure adaptations. 

Power grids, for example, need to be upgraded to handle decentralized and variable renewable energy sources. Additionally, energy storage solutions will need to be expanded to manage supply fluctuations. Finally, existing infrastructure needs to be retrofitted to accommodate low-carbon alternatives such as hydrogen and carbon capture technologies.

When will fossil fuel demand peak? 

The International Energy Agency (IEA) predicts that global demand for fossil fuels will peak before 2030, driven by rapid growth in renewables, the rise of electric vehicles, and improving energy efficiency. This forecast signals an accelerated shift away from coal, oil, and natural gas—faster than many previously expected. 

However, while demand may decline, strategic planning is essential to ensure a smooth transition, prevent economic shocks, and support workers and communities reliant on fossil fuel industries.

Key Drivers of the Energy Transition

The energy transition is driven by several significant factors, including the critical need to combat climate change and the economic benefits of renewable energy sources. Here’s an overview of the primary drivers moving us toward a greener future.

Combatting climate change 

Reducing carbon emissions is at the core of energy transition efforts. Rising global temperatures and increasing climate-related disasters are the most widely felt outcome of climate change, stressing the critical importance of cutting greenhouse gas emissions and accelerating the shift to clean energy sources. Governments, businesses, and investors are working toward aligning strategies with net-zero targets to mitigate long-term climate risks, although shifting political winds risk derailing progress.

Learn more: Safeguarding Businesses from Hurricanes and Wildland Fires 

Economic factors 

The economic case for clean energy is stronger than ever. The cost of solar and wind power is falling, making renewables more competitive in the broader energy market. Meanwhile, oil and gas markets remain volatile, with geopolitical tensions and supply chain disruptions leading to unpredictable price swings. Many industries are turning to renewables not just for sustainability, but for cost stability and energy security.

Technological innovations 

Innovation is accelerating the transition by making clean energy more efficient and scalable. Key breakthroughs include:

• Energy storage improvements: Advancements in battery technology, such as lithium-ion and solid-state batteries, are making renewable energy more reliable.
• Smart grids: Digitalized grids optimize electricity distribution, reduce waste, and enhance energy efficiency.
• Virtual power plants (VPPs): Aggregating distributed energy resources, such as rooftop solar panels and EV chargers, helps balance supply and demand in real time.

The Role of Government and Industry in the Energy Transition 

Governments around the world are implementing initiatives that encourage the adoption of clean energy while setting long-term sustainability targets, and public policy and regulatory frameworks play a crucial role in shaping the energy transition. National and international climate commitments, including those under the Paris Agreement, are driving policy shifts toward decarbonization by setting emissions reduction targets.

These regulations also incentivize the business sector to participate in the energy transition. Subsidies, tax credits, and grants for solar, wind, and storage technologies are making clean energy adoption more feasible. Cap-and-trade programs, carbon taxes, and mandatory emissions disclosures are pushing industries to adopt more sustainable energy practices. 

While progress varies by region, the momentum behind clean energy policies is undeniable. Companies that proactively align with these regulations will be better positioned for long-term resilience.

Learn more: 

• How Business Leaders Are Getting Ready for a Net-Zero World
• Understanding the Crucial Role of Climate Scenario Analysis in Business Strategy
• 5 Steps to be Regulatory Ready: Where Businesses Should Begin 

The Economic and Social Impact of Energy Transition 

While there are numerous economic and social advantages to energy transition, it is vital that those driving this change take into account how shifting energy infrastructure and workforce needs impacts livelihoods and access to energy.

Capital flow into renewables 

Global investment in clean energy has surged in recent years, with the global marketplace investing twice as much in clean energy as it does in fossil fuels.

Major financial institutions, corporations, and governments are channeling capital into wind, solar, hydrogen, and energy storage technologies, with nearly $2 trillion in direct investment since 2020. This shift reflects growing confidence in the long-term viability of renewables and increasing pressure from investors to align with climate goals.

Public and private funding is also expanding to support grid modernization, electric vehicle infrastructure, and emerging clean technologies. However, while investment is accelerating, securing financing for developing economies remains a challenge, requiring targeted policies and international collaboration.

Workforce shifts in a changing energy economy

The transition to clean energy is reshaping the global workforce. While fossil fuel jobs are expected to decline, renewable energy sectors are growing rapidly, creating new employment opportunities in manufacturing, construction, and maintenance.

Sectors seeing significant job expansion include:

• Solar and wind industries, which require large-scale installation and maintenance work.
• Battery production and energy storage, driven by the demand for grid stability and electric vehicles.
• Energy efficiency sectors, such as retrofitting buildings and smart grid deployment.

Despite the growth in clean energy jobs, workforce training and reskilling initiatives are critical to ensuring a just transition for workers moving out of traditional energy sectors.

Energy equity and accessibility 

The energy transition presents an opportunity to address energy poverty by expanding access to affordable, reliable electricity in underserved regions. According to the European Commission, “Energy poverty occurs when a household must reduce its energy consumption to a degree that negatively impacts the inhabitants’ health and wellbeing.”

Decentralized renewable energy solutions, such as off-grid solar and microgrids, are already transforming energy access in remote and developing communities.

However, ensuring a fair transition means addressing disparities in:

• Infrastructure development, as many regions still lack the resources for large-scale renewable deployment.
• Energy affordability, ensuring that rising energy costs do not disproportionately impact lower-income populations.
• Policy incentives, which must support both industrialized and developing nations in scaling clean energy adoption.

Learn more: Just Energy Transition: The US Perspective 

Overcoming barriers to transition 

Despite its benefits, the energy transition comes with short-term economic and infrastructure challenges. Key barriers include:

• High upfront costs: While renewables are cost-effective over time, initial investment remains a hurdle. Government incentives and private financing mechanisms play a crucial role in bridging the gap.
• Grid adaptation: Aging infrastructure must be upgraded to accommodate decentralized and intermittent energy sources. Smart grid technologies and energy storage solutions are helping address this challenge.
• Policy and regulatory uncertainty: Inconsistent policies can slow progress. Clear, long-term regulatory frameworks are needed to provide stability for investors and businesses.

While these challenges are significant, the momentum behind the energy transition continues to grow. With strategic planning, investment, and innovation, the shift to a sustainable energy future can drive economic growth, enhance energy security, and create a more equitable global energy system.

The Future of Energy Transition 

The future of energy transition holds immense potential. Emerging technologies like AI-driven energy optimization, grid modernization, and advanced storage solutions are transforming the sector, making renewable adoption more efficient and scalable.

Ensuring equitable access to clean energy for all communities is essential, and this demands fair infrastructure development and expanded reach in underserved areas. Businesses and governments play a pivotal role in this endeavor. By adopting sustainable practices and investing in innovative clean energy solutions, they can drive the transition to a cleaner and more resilient energy future for everyone, leaving no one behind.

Ready to lead the energy transition with confidence? Discover how Antea Group’s Energy Management Consulting can help.

AMSTERDAM, HONG KONG, OAKLAND, Calif., April 22, 2025 /3BL/ – With a thematic focus on consumer goods supply chain decarbonization, the new season of Cascale’s “Source of Good” podcast reflects the nonprofit organization’s commitment to combat climate change. Kicking off with Lewis Perkins of Apparel Impact Institute (Aii), released today, “Source of Good” will share actionable insights and inspiring stories that drive the urgent transformation needed in the consumer goods industry. Across 10 bi-weekly, 20-minute episodes, listeners will discover how innovative companies – including Tapestry, Primaloft, ITL, Hirdaramani, and more – use Cascale’s Higg Index tools and other pioneering practices with the aim to achieve a 45% reduction in GHG emissions by 2030, ultimately aligning with a 1.5°C future.

“Our work with Cascale is about more than metrics – it’s about building momentum for real, lasting change,” said Lewis Perkins, president at Aii. “Together, we’re shaping a shared roadmap to help our industry cut emissions. I’m inspired by what’s possible when we align around bold action and collective responsibility for a better industry and healthier planet.”

Building on the inaugural season successes – including a conversation with Rick Ridgeway, legendary mountaineer, environmentalist, writer, and Cascale co-founder – “Source of Good” set the standard for industry dialogue on sustainable practices. With subscribers in over 50 countries, listeners can find the podcast on all major streaming platforms and follow the journey of industry change through each insightful episode.

“By spotlighting supply chain decarbonization, we’re addressing one of today’s most urgent challenges—while sharing powerful stories of transformation. These episodes showcase tangible strategies that inspire collective action and demonstrate how our industry can unite for a sustainable future,” said Lee Green, vice president of Marketing & Communications at Cascale.

“Source of Good” is produced by Hueman Group Media, a Webby-winning media company that produces high-caliber podcasts for social change and impact. The show is hosted by Rachel Lincoln Sarnoff, Cascale’s communications director and a former journalist. “Source of Good” is available on multiple platforms, including Apple Podcasts, Spotify, iHeart Radio, Amazon Music, and more.

For more information about Cascale and to listen to the Source of Good podcast, visit cascale.org/resources/podcast/ or join our email mailing list here.

ABOUT CASCALE

Cascale is the global nonprofit alliance empowering collaboration to drive equitable and restorative business practices in the consumer goods industry. Formerly known as the Sustainable Apparel Coalition, Cascale owns and develops the Higg Index, which is exclusively available on Worldly, the most comprehensive sustainability data and insights platform. Cascale unites over 300 retailers, brands, manufacturers, governments, academics, and NGO/nonprofit affiliates around the globe through one singular vision: To catalyze impact at scale and give back more than we take to the planet and its people. LinkedIn | X | Instagram | Facebook | YouTube

If you’re like most homebuyers on a budget, you’re probably paying close attention to the asking price of homes on the market. You may even have a ballpark figure or mortgage payment in mind. That’s a great start. But it’s important to be aware that the cost of buying a house is a bit more complicated than the asking price. KeyBank’s 2025 Financial Mobility Survey found that while many believe owning a home is not an attainable goal for themselves nor the average American, financial education can help them be more confident in the home-buying process. KeyBank can help you prepare for the costs and build a budget so you can go through this with confidence.

Costs to Consider When Building Your Budget

Once you’ve found a home you like and your offer is accepted, it typically takes 30 to 45 days for the deal to close. During this time, there are several costs you’ll be responsible for. Factoring these early costs of homeownership into your plans will help you make the best choices for your finances.

Down payment: According to The Mortgage Reports, a typical down payment for a house is up to 20% of the purchase price, depending on the type of loan. If you don’t have 10%–20% saved, a KeyBank Mortgage Loan Officer can see whether you qualify for a loan that requires as little as zero down.

Closing costs: You should also budget for closing costs equal to approximately 3%–6% of the amount you’re borrowing. Closing costs include title insurance, appraisal fees, prepaid homeowners insurance and other fees. Some lenders may allow you to roll the closing costs into your loan and, in some instances, a motivated seller may agree to pay some of the closing costs. This is offered on a case-by-case basis and is something you should discuss with your realtor to make sure you understand and consider any tradeoffs.

A KeyBank mortgage loan officer can look at your income, assets, debt, and credit to create an accurate estimate of costs for homes you’re considering. They can also identify any incentives you may qualify for, like KeyBank’s interest rate discount¹. For example, on a $200,000 loan with a fixed 6.25% interest rate, our .25% interest rate discount could save you a considerable amount over the life of the loan.²

Additional Homeownership Costs

There are many recurring costs associated with owning a home. Here are a few of the costs you can expect:

Homeowners insurance: Usually an annual cost, homeowners insurance premiums may often be paid as part of your regular mortgage payment.

Property taxes: Sometimes referred to as real estate taxes, property taxes may be collected as part of your mortgage payment or paid separately.

Utilities: These include electricity, gas, water and sewer, trash, and recycling.

Home services: Make sure to budget for services like internet, phone, or home security.

Ongoing maintenance costs: Each year, consider setting aside at least 1% of your home’s purchase price for ongoing home maintenance costs. If you plan to do any renovations shortly after move-in, or if the home inspection turned up any issues that need immediate attention, make sure to factor those expenses in, too, like new furniture and appliances.

KeyBank’s registered mortgage loan officers can help guide you through every step of the home-buying process. Contact us today.

About the KeyBank 2025 Financial Mobility Survey: This survey was conducted online by Schmidt Market Research in September 2024, polling 1,000 Americans, ages 18 – 70, with sole or shared responsibility for household financial decisions, who own a checking or savings account. The survey sought to gain insight into financial resiliency and explored respondents’ spending and savings habits, levels of financial confidence and financial resiliency, economic sentiment, and impacts of societal trends and pressures over the prior year.

This is designed to provide general information only. All credit products are subject to collateral and/or credit approval, terms, conditions, availability and subject to change. ©2025 KeyCorp. All rights reserved. CFMA #250404-3134828

NOTICE: This is not a commitment to lend or extend credit. Conditions and restrictions may apply. All home lending products, including mortgage, home equity loans and home equity lines of credit, are subject to credit and collateral approval. Not all home lending products are available in all states. Hazard insurance and, if applicable, flood insurance are required on collateral property. Actual rates, fees, and terms are based on those offered as of the date of application and are subject to change without notice.

NMLS #399797. Equal Housing Lender. Mortgage and Home Equity Lending products offered by KeyBank are not FDIC insured or guaranteed. KeyBank extends credit secured by residential real estate without regard to race, color, religion, national origin, sex, handicap, or familial status.

¹To receive relationship benefits on a new KeyBank mortgage loan, which provides a 0.25% interest rate reduction, you must have owned a Relationship Account at any time during the mortgage loan application process, but no later than seven (7) business days prior to the closing of the mortgage loan. This Interest rate reduction is available on new KeyBank mortgage loan applications only.
As an alternative to the relationship benefit, you may obtain a 0.25% interest rate reduction if you complete and submit, no later than seven (7) business days prior to the closing of the mortgage loan, the Monthly Automatic Payment form to have your recurring mortgage payment for your KeyBank mortgage loan automatically deducted from an “Eligible KeyBank Consumer Checking Account”. Refer to the Monthly Automatic Payment form for more details.
For fixed-rate mortgages, the 0.25% interest rate reduction will be reflected in the interest rate on the Promissory Note. For adjustable-rate mortgages (“ARMs”), the 0.25% interest rate reduction will apply to the initial fixed interest rate period and will be reflected in the maximum amount the interest rate can increase of the term of the loan, subject to the minimum interest rate that may be charged per the terms of the Promissory Note or Agreement. 
“Relationship Account” means (A) an open Eligible KeyBank Consumer Checking Account with five (5) or more Qualifying Transactions posted to a single Eligible KeyBank Consumer Checking Account in a calendar month, which may not be aggregated across other accounts you own, OR (B) an open Key Private Bank Checking or Key Private Bank Personal Checking account.
An “Eligible KeyBank Consumer Checking Account” means: any KeyBank consumer checking account designated as a personal checking account by KeyBank, including KeyBank’s Hassle-Free checking account, but excluding a health savings account.
“Qualifying Transactions” include, but are not limited to, point of sale transactions, bill payment(s), ATM transactions, check, cash or direct deposits, and electronic funds transfers. Qualifying Transactions exclude adjustments, advances, reversals, refunds, account to account transfers, person-to-person transfers, interest, service charges, and service fees. Qualifying Transactions must be completed at least three (3) business days prior to application to be eligible for inclusion in determining whether you met the “Relationship Account” portion of the “Bank with Key” criteria.
The 0.25% interest rate reduction may not be combined with certain other discounts or promotions and may not be available for all home lending products. Other terms, conditions, and/or limitations may apply. Contact KeyBank Home Lending for more details.

²This example is provided for illustrative purposes only to show possible savings. It does not constitute a commitment to lend on the terms listed, nor does it reflect the current mortgage interest rate offered by KeyBank. Your actual total savings may vary.

Originally published on PSEG NewsRoom

NEWARK, N.J., April 22, 2025 /3BL/ – PSE&G reminds customers how to spot and avoid utility scams. We join Utilities United Against Scams (UUAS) in supporting the Federal Trade Commission’s (FTC’s) annual National Consumer Protection Week, along with more than 100 federal, state and local agencies; consumer groups and national advocacy organizations.

PSE&G works hard to inform customers about scams. Utility impostor scammers pretend to represent electric, natural gas, water and sewer utilities to steal customers’ money and personal information. Being aware of how scammers operate can save customers from being cheated out of hundreds, if not thousands of dollars.

Scammers approach customers through a variety of methods, including texts, phone calls, in-person visits and emails. Scammers often claim a customer is past due on their utility bill, and demand payment through one specific payment option to avoid service disconnection. PSE&G offers various ways to pay your bill and would never require a specific type of payment. PSE&G payment options include online, through our mobile app, by text, phone, mail or at a customer service center. The newest ways to pay include Amazon Pay, PayPal®, Google Pay, Apple Pay and Venmo.*

“The safety and security of our customers is always a top priority. We continue to raise awareness and educate customers about how to spot and stop potential scams,” said Dave Johnson, senior vice president and chief customer experience officer, PSE&G. “Scammers try to blindside you with an urgent problem in the hopes that you panic and miss all the clues of a scam. We want customers to remember one simple thing: If someone calls threatening to shut off your power or gas service and demands a specific type of payment immediately, hang up and call the number that’s printed on your bill to verify before acting.”

Anyone can fall victim to a utility scam. 

Our customers have reported how scammers have demanded a specific type of payment while threatening disconnection. Here are a few real-life stories:

• A customer made a payment using gift cards and lost over $1,300 to a scammer.
• A customer paid via a “money pack” through a convenience store and lost $500.
• A customer made a payment via a texted bar-code and lost $400.
• A pizzeria owner lost almost $2,000 when a scammer called his store and demanded payment using Money Express.
• An auto shop owner fell victim to a scammer who advised the customer to make multiple cash payments using money transfers over $1,700.

Spoofing caller ID

It’s important to be aware that scammers may also use what’s called “Call Spoofing.” Scammers will manipulate caller ID to display the utility company’s real phone number, making their scheme seem legitimate.

For example, a customer reported that his caller ID said “PSEG” and he was told he had to pay $2,400 via various gift cards to avoid being switched to a third party energy supplier. The customer shared with us that it was a very stressful time for him and he fell for the scam because he was distracted with a family emergency.

Common utility scam tactics

• Fake phone calls – Scammers call pretending to be from your utility company, claiming your bill is overdue and demanding immediate payment, often through prepaid cards, wire transfers or cryptocurrency.
• Phony door-to-door visits – Fraudsters may show up at your home wearing fake uniforms, insisting on an immediate inspection or payment.
• Suspicious emails and texts – You may receive messages claiming to be from your utility provider with links asking for payment or personal details.
• Caller ID spoofing – Scammers can manipulate caller ID to display a utility company’s real phone number, making their scheme seem legitimate.

How to protect yourself

• Stay calm and verify – If you receive a suspicious call, hang up and contact your utility company directly using the number on your bill.
• Check credentials – If someone comes to your door claiming to be from your utility, ask for proper identification and call the company to confirm their identity.

What to do if you paid a scammer

Scammers often ask you to pay in ways that make it tough to get your money back. Learn more about how to get your money back.

Report utility scams

If you got a call from, or were contacted by, a scammer or imposter:

• Report the scam to PSE&G by calling 1-800-436-PSEG (7734).
• Report it to the FTC at ReportFraud.ftc.gov.
• Report it to your state attorney general.
• Share your experience to help educate others.

Raising awareness about utility scams helps protect our communities from fraud.

Stay informed, stay cautious and always verify before you pay!

Visit and share our scam alert webpage for additional information: pseg.com/ScamAlert

PSE&G

Public Service Electric & Gas Co. is New Jersey’s oldest and largest gas and electric delivery public utility, as well as one of the nation’s largest utilities. PSE&G has won the ReliabilityOne® Award for superior electric system reliability in the Mid-Atlantic region for 23 consecutive years. For the third consecutive year, PSE&G is the recipient of the ENERGY STAR Partner of the Year award in the Energy Efficiency Program Delivery category. In addition, in 2024 J.D. Power named PSE&G number one in customer satisfaction with residential electric service and gas service in the east among large utilities. PSE&G is a subsidiary of Public Service Enterprise Group Inc., (PSEG) (NYSE:PEG), a predominantly regulated infrastructure company focused on a clean energy future and has been named to the Dow Jones Sustainability Index for North America for 17 consecutive years (www.pseg.com).

*Fees apply 

Contacts:

Rebecca Mazzarella
Media line: 973-430-7734
Rebecca.Mazzarella@pseg.com

At Boehringer Ingelheim, every day is Earth Day because we’re continuously working to reduce our environmental footprint while serving the patients that need us. Logistics play a key role in this effort.

In 2024, we collaborated with our supplier, Kuehne+Nagel to use Sustainable Aviation Fuels (SAF) made from used vegetable cooking oil, meeting high sustainability standards.

Switching to SAF helps both our companies reduce the environmental impact of our logistics on the planet. This pilot project already achieved a reduction of approximately 8,000 tons of CO₂ emissions in just one year.

This initiative promotes “smarter logistics” and demonstrates the importance of collaboration in driving sustainability. Uwe Krämer, Boehringer’s Head of Global Logistics Network & Performance Management agrees with this stating, “This is an example of how smart collaboration in logistics can drive progress towards a more sustainable future.”

Did You Know?

Earth Day, celebrated every year on April 22, raises awareness about long-term ecological sustainability. It marks the anniversary of the modern environmental movement’s birth in 1970. In 2016, the United Nations chose Earth Day to sign the Paris Agreement, a significant climate accord. This year’s theme, “OUR POWER, OUR PLANET,” encourages global unity behind renewable energy and aims to triple clean electricity generation by 2030.

Explore our other stories from 2024 in Imagine: our sustainability story hub, where we strive to make a positive impact not only for our environment but also for our people and animals.

April is National Volunteer Month, and Covia wants to take a moment to celebrate all of our amazing volunteers! Covia’s team members are actively involved in their communities and take great pride in the work they do to strengthen our connection to those communities. We are particularly excited to honor our Volunteer of the Year, David Morris from Covia’s Cleburne, Texas Plant, as well as the winners of the President’s Volunteer Awards, which recognize those who contributed 200 or more volunteer hours in 2024. This year, we are proud to recognize the following team members who have qualified for the award.

• CaryAnn Bruce – North Carolina Home Office
• Curtis Petrey – Independence, Ohio
• Darik Corson – Oregon, Illinois
• David Gatto – Havelock, Ontario
• David Morris – Cleburne, Texas
• *Josh Lipe – Tamms,  Illinois
• *Natalie King – North Carolina Home Office
• Sheryl Etienne – Huntingburg, Indiana 

*Previous Volunteer of the Year Winner

Covia would like to congratulate this year’s award recipients and express our gratitude for their impactful contributions to the communities in which we live and work.

For more information about the Covia Foundation, community impact and philanthropy, please visit https://www.coviacorp.com/esg/positive-social-impact/.

This year’s Biomedical HIV Prevention Summit in Atlanta emphasized the importance of advancing prevention in the U.S. South, a region disproportionately impacted by HIV. We joined advocates, community partners and healthcare leaders to discuss the future of prevention and to drive meaningful action – and the energy in the room was palpable. By working closely with the communities most affected, we aim to ensure everyone receives the care and services they need to help end the HIV epidemic.

Gilead Sciences, Inc.
Gilead Sciences, Inc. is a research-based biopharmaceutical company that discovers, develops and commercializes innovative medicines in areas of unmet medical need. The company strives to transform and simplify care for people with life-threatening illnesses around the world. Gilead has operations in more than 35 countries worldwide, with headquarters in Foster City, California. 

Originally published by Gilead Sciences