Smitha Dilip, from India, walks her son to the park in Karama every evening. There, he runs free - at times, out of her sight - among the dozens of boys playing football, swatting at a badminton shuttlecock, or pedalling on bicycles around the lamp posts.
Women in saris chat on the benches around her. In a grassy area under the trees, a group holds awkward poses on mats. Couples stroll along a brick path, and a few men jog lightly.
Here at the park, in the heart of Karama, Ms Dilip has bumped into three friends she knew back in India - all of them, like her, were drawn to this bustling, middle-class, family-friendly Indian suburb because it feels like a home away from home.
"It's a little India," she says, relaxing on a park bench, a tricycle at her side. "You find a lot of the Indian community here. Families come to eat, then wander over to the park."
Among the countless shopfronts, restaurants and cafes dominate. The cuisine spans the subcontinent: from the barbecue mutton of Karachi Darbar to the international vegetarian Tamil chain Saravanaa Bhavan to the pav bhaji street food found in Mumbai.
In many restaurants, diners order in Indian languages. Waiters bring out silverware primarily for foreigners, and dash around scooping steaming rice from buckets.
Also part of the daily routine, the streets here fill with long caravans of traffic. Several cars queue up behind a double-parked Land Cruiser, as pedestrians stream in between the bumpers.
Still, the traffic is a breeze compared to back home, says Charles D'Souza, 48, a shop manager from Mangalore who has lived in Karama for 18 years. For him, that's the main appeal of this place - it's like India, but better.
Unlike at home, he says, he and his wife can walk outside at three in the morning without thinking twice. "In India it is too crowded," he says. And, while having access to all things India is great, he likes the added diversity here: Chinese noodles, Lebanese sweets, Indonesian soup, and more and more Filipino and Arab neighbours.
Many of them are workers squeezed eight to an apartment for as little as Dh350 a month. Their roommate-wanted ads are taped layer upon layer on walls around the neighbourhood. "Near metro," some of them boast.
The new station, and the many buses that sweep through here, are a big draw for the many residents who do not have cars.
"My brother chose to live in Karama because it's accessible to all," says Christine Cerojide, a 26-year-old Filipina sales clerk who lives with her sibling. "The fish market, supermarket are all walking distance," she says. "It's just like a city."
Indeed, almost anything is available after a few minutes' walk: fresh fish or pet fish, phone cards or birthday cards, DVD rentals or a DVD repair shop, T-shirts and a dry cleaner, money transfer centres, travel agents, car parts, indoor plants, bedroom curtains - and not to mention the goods at the hypermarkets or tightly-packed shopping centres.
Bina Shah, a 39-year-old Pakistani bank employee, says she likes to browse the markets here for their reasonable prices and their South Asian flair. The material for a shalwar kameez here starts at Dh45. A pair of jeans costs Dh30, eyebrow threading Dh10, dry-cleaning a shirt Dh4. For her haircuts (Dh60) she has been coming to Karama since 2001, even driving from Sharjah to make her appointment. She shops for earrings, children's shoes and new outfits for herself. "At the malls, you can find stuff. Here, you can find homeliness," she says.
The gold bangles and necklaces on display at Chittilappilly Jewellers cater to Indian, specifically Keralite, tastes, says salesman Rafi Kariparambil, who has lived and worked in Karama for a decade. He knows all the shopkeepers in the building, he says, and recognises half of the customers who drop in.
Old-timers get extra discounts. "It's natural," he says. "My customers are like family."
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THE SPECS
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Skewed figures
In the village of Mevagissey in southwest England the housing stock has doubled in the last century while the number of residents is half the historic high. The village's Neighbourhood Development Plan states that 26% of homes are holiday retreats. Prices are high, averaging around £300,000, £50,000 more than the Cornish average of £250,000. The local average wage is £15,458.
Thank You for Banking with Us
Director: Laila Abbas
Starring: Yasmine Al Massri, Clara Khoury, Kamel El Basha, Ashraf Barhoum
Rating: 4/5
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MISSION: IMPOSSIBLE – FINAL RECKONING
Director: Christopher McQuarrie
Starring: Tom Cruise, Hayley Atwell, Simon Pegg
Rating: 4/5
What are the main cyber security threats?
Cyber crime - This includes fraud, impersonation, scams and deepfake technology, tactics that are increasingly targeting infrastructure and exploiting human vulnerabilities.
Cyber terrorism - Social media platforms are used to spread radical ideologies, misinformation and disinformation, often with the aim of disrupting critical infrastructure such as power grids.
Cyber warfare - Shaped by geopolitical tension, hostile actors seek to infiltrate and compromise national infrastructure, using one country’s systems as a springboard to launch attacks on others.
Key changes
Commission caps
For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:
• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term).
• On the protection component, there is a cap of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).
• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated.
• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.
• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.
Disclosure
Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.
“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”
Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.
Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.
“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.
Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.
Dust and sand storms compared
Sand storm
- Particle size: Larger, heavier sand grains
- Visibility: Often dramatic with thick "walls" of sand
- Duration: Short-lived, typically localised
- Travel distance: Limited
- Source: Open desert areas with strong winds
Dust storm
- Particle size: Much finer, lightweight particles
- Visibility: Hazy skies but less intense
- Duration: Can linger for days
- Travel distance: Long-range, up to thousands of kilometres
- Source: Can be carried from distant regions
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The five pillars of Islam