Not much happens in Oklahoma. The talk of the town is next month's Pumpkin Palooza, which promises "an arsenal of fun for the entire family"; meanwhile, the front page of The Oklahoman is leading on a new traffic light being installed downtown.
It's a sleepy sort of place, with lots of sprawling green fields bordered by arid high plains and a scant population of less than four million scattered across its 181,000 square kilometres.
On any weekday, Oklahoma City is a ghost town after offices shut at 5.30pm. "Boring" is a word that crops up often on blogs posted by disconsolate youth.
That is about to change. A landmark test case has been brought here in the American heartlands and the attention of legislators across the US is now focused on Oklahoma.
It was here, nearly a year ago, that the electorate voted overwhelmingly in favour of a ban on Sharia, Islamic law.
The Save Our State amendment to Oklahoma law, which swept the polls with 70 per cent of voters in favour when it went to a ballot in November 2010, sought to prevent Sharia from ever being taken into consideration in any legal matter.
Only a temporary injunction brought by Muneer Awad, the executive director of the state chapter of the Council of American-Islamic Relations (Cair), blocked it from becoming enshrined in law.
This week both sides were back in federal court, this time in Denver for a three-day hearing: Cair in a bid to make the injunction permanent, Oklahoma's attorney general to appeal the original decision. Another 20 states are poised to follow suit, depending on the outcome.
And it started here in the South's Bible belt, a fact made all the more extraordinary because in Oklahoma, less than one per cent of the population is Muslim.
Why then has Oklahoma made such a reactionary move?
Rex Duncan, the chairman of the Oklahoma State House Judiciary Committee who applied for the original ban, admitted he had not heard of a single case where Sharia had been invoked, adding Islamic law was not "an imminent threat ... yet". "I see this in the future somewhere in America," he said. "It is a storm on the horizon in other states." His motion, known as State Question 755, was a "pre-emptive strike" against a "looming threat".
Storm on the horizon. Pre-emptive strike. Looming threat. This is the vocabulary of conflict, echoing George Bush's "war on terror" speech in the wake of the September 11 attacks. Yet Oklahoma is no raging battleground and few of its 30,000 Muslims have been known to stir up trouble.
Nevertheless, to understand the root of this mistrust, we have to go back to a spring morning in April 1995.
•••
The bright blue sky on April 19, 1995, brought the promise of summer, arching overhead without a cloud to be seen. Later, it was to be seen as a presager for another terrible chapter in America's history - a crisp, clear morning which preceded the deaths of nearly 3,000 victims on September 11, 2001.
This was six years before the worst terrorist attack on US soil and the Alfred P Murrah Federal Building and its municipal surroundings were a hive of activity by 9am. A queue had formed at the social security office, where Daina Bradley was waiting in line with her mother, sister and two children to claim benefits. A children's nursery on the second floor of the building was packed with toddlers; others in the building had just started work for the day.
The peace was torn apart at 9.02am by an earth-shattering bomb. A Ryder rental truck packed with explosives and parked near the Murrah building detonated, claiming 168 lives, including 19 children under the age of six.
The devastation was beyond comprehension, the blast sheared off the entire face of the nine-storey building. Nearly 700 people were injured and more than 300 buildings in the vicinity either destroyed or damaged. Bradley survived; most of her family did not. Wedged under a teetering tower of concrete, she had to be rescued by a doctor who sawed off her right leg with a pocket knife. The emergency operation was performed without the benefit of anaesthetic.
It was estimated a fifth of the population of Oklahoma City attended a funeral in the following days. But the indelible scar the attacks left was the one on the national psyche.
In the immediate aftermath, the bombing was blamed on Islamist extremists. Robert Heibel, a former FBI counter-terrorism expert, said the attack bore all the hallmarks of Middle Eastern terrorists.
John Magaw, then the director of the Bureau of Alcohol, Tobacco, Firearms and Explosives (ATF), told CNN: "I think any time you have this kind of damage, this kind of explosion, you have to look there first."
And Steven Emerson, who was behind the TV documentary Terrorists Among Us: Jihad in America, said the attempt to inflict as many casualties as possible was "a Middle Eastern trait", on a par with the 1993 World Trade Center bombing.
It didn't seem to matter that there was scant evidence linking Islamic fundamentalists to the Oklahoma attack. In a knee-jerk reaction repeated many times since, a Jordanian living in the state was arrested in transit as he tried to fly to Amman on the morning of the attack and was returned to the US.
The American Civil Liberties Union protested against the arrest of Abraham Ahmed, complaining he was a victim of racial profiling. He was subsequently released. By then, the FBI had their man - Timothy McVeigh - who was also arrested within hours of the bombing. He became the investigation's main suspect two days later.
His accomplice, Terry Nichols, who helped build the bomb, turned himself in on April 21.
As far as the FBI was concerned, it was an open-and-shut case. McVeigh and Nichols had links to white supremacists and were known militia movement sympathisers; photocopied pages from The Turner Diaries, a novel written by a former leader of a white separatist organisation, the National Alliance, and deemed "the Bible of the racist right" by the FBI (the copied pages featured a mortar attack on the Capitol in Washington), were found in McVeigh's car. In addition, the pair were openly anti-government, particularly after the Waco siege, in which 76 members of the Branch Davidian sect died in a fire exactly two years earlier - on April 19.
The FBI had its culprits. Preparations for a trial were soon under way. For some though, the speculation of a Middle Eastern hand in the affair simply wouldn't go away.
•••
Homegrown terrorists, motivated by a hatred of authority. That was the outcome of the federal investigation but loose ends remained.
How had two men managed to mix such an enormous volume of chemicals - 2,200kg of ammonium nitrate fertiliser, nitromethane and diesel fuel - into 13 barrels in just three hours?
One eyewitness account reported up to to five men working on the preparations by the rental truck. Then there was the sighting of a brown Chevrolet pickup truck, the subject of an FBI hunt, and two Middle Eastern-looking men seen running from the building just before the blast.
There was also John Doe 2, the mystery man who may or may not have been a cohort and whose description matched neither that of McVeigh (John Doe 1) nor Nichols.
The FBI bulletin released on April 20 had him as a white, square-jawed male with black hair. Even though McVeigh was executed in 2001 by lethal injection, insisting he and Nichols worked alone, his lawyer Stephen Jones was convinced there were "others unknown" involved in the devastating attack.
In his 1998 book, Others Unknown: The Oklahoma City Bombing Case and Conspiracy, Jones focused on the murky connections with Elohim City in Oklahoma, a "strange and motley crew of white supremacists" known to McVeigh.
Its founder Robert Millar had previously belonged to a group known as The Covenant, The Sword and The Arm of the Lord, which was first raided by the FBI on April 19, 1985. Officers found a list of facilities earmarked for attack, including the Alfred P Murrah Federal Building, with suggestions it could be blown up by parking a van in front packed with rockets and detonated by a timer.
Jones devotes a chapter to conspiracy theories about the Middle East.
His search for evidence took him to the Philippines, where he discovered a man matching Nichols' description had met Ramzi Yousef, who went on to build a truck bomb in an attempt to topple the World Trade Center in 1993, and his co-conspirators in the Bojinka plot to bring down 12 planes in 1995, Abdul Hakim Murad and Wali Khan. The topics discussed were bomb-making and handling firearms.
Jayna Davis, a former reporter for the Oklahoman TV station KFOR-TV, went further. In her 2004 book The Third Terrorist: The Middle East Connection to the Oklahoma City Bombing, she compiled a dossier on Hussain al Hussaini, a former Iraqi soldier she claimed was a ringer for John Doe 2 and allegedly spent the night of April 15 drinking with McVeigh in a strip club.
She said a brown Chevy matching the FBI's description was parked outside the offices of Al Hussaini's Palestinian boss.
"This was a foreign conspiracy masterminded and funded by Osama bin Laden," she declared on Fox News. There was, she said, a "Middle East terrorist cell" responsible for the bombing of the Alfred P Murrah building, suggesting McVeigh could have been duped into a larger conspiracy - the fall guy in a foreign plot.
Al Hussaini sued for defamation and the FBI snubbed Davis' requests for officers to look at the dossier she had compiled.
Certainly, there was an Oklahoman connection to the September 11 attacks. Zacarias Moussaoui, the so-called 20th hijacker, attended flight school there from February to May 2001 with the hijackers Mohamed Atta and Marwen al Shehhi.
But the shadowy links Davis makes are a long way from what she labels her "crusade to disseminate the truth" or her assertion that the Twin Towers could still be standing today if anyone had backed her theory that "foreign invaders slaughtered nearly 200 Americans".
As she herself admits, the FBI told her "the dots simply do not connect".
•••
What emerges is a picture of suspicion and hostility towards a maligned Muslim community, even before September 11.
The Oklahoma bombing took place in a climate of fear. After the first Gulf War, hundreds of Iraqis were given refugee status in the US. Many eventually settled in the rural heartlands.
For Reverend Jeff Hamilton, president of the Interfaith Alliance Foundation in Oklahoma, the anti-Islamic sentiment expressed in the immediate aftermath of the 1995 bombing was an opportunity to build bridges. The organisation was born in the months following the attack.
"After the bombing, there was so much hysteria about a Muslim plot," he says. "The founders of the alliance went to the Muslim community to offer their support. We embrace all the religious traditions and have worked on a lot of issues together."
A key focus is education in schools and inter-faith events, ranging from iftar dinners during Ramadan to a memorial service marking the 10th anniversary of 9/11.
But they face a constant battle against organisations such as Act for America, a lobby group with 175,000 members, whose founder, Brigitte Gabriel (she operates under an assumed name), says: "Being an Islamophobe is not an irrational fear. We are dealing with terrorists among us, trying to blow us up, whether we acknowledge it or not."
She plans to spread her message of hate to Australia: "It is like a McDonald's franchise."
Still, much work has been done to assuage those fears and combat misunderstanding.
The imam Imad Enchassi, president of the Islamic Society of Oklahoma and a key player in the inter-faith alliance, says: "Although Muslims make up less than one per cent of the population, we are extremely cohesive and there are a lot of bridges of communication because we all lived through the bombing.
"It had a constructive effect on our outreach into other communities. Many national outreach programmes started here in Oklahoma.
"Before 1995, the Muslim community was in its own cocoon. The bombing put us in the international spotlight and took us as a community from adolescence to adulthood."
Imams began visiting schools, universities, colleges, churches and community groups to explain the tenets of Islam. They also took part in interfaith conferences and panels on the prevention of terrorism.
Muslim youth were encouraged to volunteer in community projects, such as the Food Bank initiative for the homeless. Significantly, the first donation to the Oklahoman widows' fund came from the Islamic association.
"There has been a huge emphasis on taking part in social projects," says Enchassi. "It is part of our faith and something we should have been doing prior to being wrongly accused.
"We are Americans, Oklahomans and we are Muslims," he adds.
That progress is under threat now from the lawsuit being battled out this week in the federal 10th Circuit Court of Appeals in Denver.
Enchassi says the Muslim community had "no choice" but to fight the Sharia ban. It is already beginning to split the community, with both the imam and Cair receiving reams of hate mail.
At the heart of the case is a pledge by Duncan, joined by a clamour of voices, to prevent America's "Judeo-Christian principles" being "undermined".
He said the conflict between those founding tenets of American society and Islamic traditions embodied in Sharia represented a "cultural war, a social war, a war for the survival of our country".
Awad, who acted swiftly to bring a temporary injunction against the ruling being implemented, said it violated the First Amendment of the US constitution, which adheres to the principle of free religious expression and forbids the singling out of any one religious group. He added that the state question had demonised Muslims and smeared them with a "profound stigma" that would relegate them "to an ineffectual position within the political community".
He argued that if the ban was brought into practice, it would ride roughshod over marriage contracts, divorces, wills, financial arrangements and even business deals.
Moreover, he said the law would be impossible to uphold without the state courts defining what constituted Sharia. He said: "There is no single religious text that all Muslims accept as the exclusive source for what the Sharia ban calls 'Sharia law'".
A federal district court judge upheld the injunction and Oklahoma's attorney general filed an appeal, which is being heard this week. A decision is expected to take at least six months, when the case will be referred back to the state's district courts so Cair can fight for a permanent injunction. The final port of call could even be the US Supreme Court.
In its appeal against the injunction, the state's attorney general said: "Just as Mr Awad's First Amendment rights are fundamental, so too are the voting rights of the 695,000 Oklahomans who voted in favour."
Nor is this only an issue in Oklahoma. In an indication of a wide-sweeping mistrust of Islam and deep-seated misconceptions about its doctrine, middle America is joining the clamour. Tennessee, Arizona and Michigan have added their voices to the collective of 20 states that want to implement the same ban.
And all eyes are on Denver to see which way the arrow will swing.
Meanwhile, the sway of the public vote is being left to the likes of Frank Gaffney, the founder of the Center for Security Policy and the author of Shariah: The Threat to America, which claims that most Muslim organisations are merely fronts for violent jihadists.
This is the man who called on the US military to "take out" the Al Jazeera TV network in 2003 and has accused Barack Obama of "embracing the agenda of the Muslim Brotherhood".
In a display of breathtaking ignorance, he warned on his radio show of "an ominous element in the forces of Sharia that now suggests they are moving inexorably in the direction of all-out war against us".
His guest on the show that day? None other than Jayna Davis, who includes a recommendation from Gaffney in her book.
This comes as no surprise to Awad, who says Muslims are pawns in a political game. Coupled with more vocal conservatism and a political climate weighted against Muslims, it makes them an easy target.
"Politicians noticed anti-Islamic sentiment was stirring up a lot of feeling and realised that putting a divisive issue on the ballot would get a lot of constituents to the polls," he says.
"Muslims have become the popular minority to attack. It has really created a paranoia in the more conservative states, which you probably would not see in the bigger cities."
A recent study into Islamophobia by the Center for American Progress found a handful of US institutions - Gaffney's among them - had nominated themselves as the fear-mongering voices of the masses.
"I don't blame the voters," Awad says. "It is down to anti-Muslim hate groups who find their partners in the state capitol or US Capitol. It gives them an authority they do not have. Most are not able to define what Sharia is.
"To me, it is about bringing benefit to your society and keeping it from harm but it is also about respecting the law of the land.
"This is a harmful attempt to demonise and marginalise Muslims and will enshrine in the constitution that Islam is a unique threat.
"There were a lot of people who encouraged us not to file a lawsuit because they did not want to see a backlash. They thought it was political theatre ... but we recognised it had a lot of consequences."
Enchassi paid for that backlash with abusive e-mails and phone calls.
He decided to tackle them in a different way and invited everyone who wrote to him to lunch, presented them with copies of the Quran or took them on a guided tour of a mosque.
One man who denounced Islam as a violent religion returned repeatedly during Friday prayers and finally converted five months later.
"The court case created an atmosphere of hate," says Enchassi. "We knew that was going to happen but we had no choice. Out of evil always comes good."
For one Oklahoman Muslim, who lost her husband in the 9/11 attacks, anti-Islamic fervour has not dampened her enthusiasm for the country: "America is a land for everyone. People say it is a dream country and for me, that is still true."
Tahira Yaqoob is a senior features writer for The National.
Company%C2%A0profile
%3Cp%3ECompany%3A%20Zywa%3Cbr%3EStarted%3A%202021%3Cbr%3EFounders%3A%20Nuha%20Hashem%20and%20Alok%20Kumar%3Cbr%3EBased%3A%20UAE%3Cbr%3EIndustry%3A%20FinTech%3Cbr%3EFunding%20size%3A%20%243m%3Cbr%3ECompany%20valuation%3A%20%2430m%3C%2Fp%3E%0A
Learn more about Qasr Al Hosn
In 2013, The National's History Project went beyond the walls to see what life was like living in Abu Dhabi's fabled fort:
At a glance
Global events: Much of the UK’s economic woes were blamed on “increased global uncertainty”, which can be interpreted as the economic impact of the Ukraine war and the uncertainty over Donald Trump’s tariffs.
Growth forecasts: Cut for 2025 from 2 per cent to 1 per cent. The OBR watchdog also estimated inflation will average 3.2 per cent this year
Welfare: Universal credit health element cut by 50 per cent and frozen for new claimants, building on cuts to the disability and incapacity bill set out earlier this month
Spending cuts: Overall day-to day-spending across government cut by £6.1bn in 2029-30
Tax evasion: Steps to crack down on tax evasion to raise “£6.5bn per year” for the public purse
Defence: New high-tech weaponry, upgrading HM Naval Base in Portsmouth
Housing: Housebuilding to reach its highest in 40 years, with planning reforms helping generate an extra £3.4bn for public finances
How to apply for a drone permit
- Individuals must register on UAE Drone app or website using their UAE Pass
- Add all their personal details, including name, nationality, passport number, Emiratis ID, email and phone number
- Upload the training certificate from a centre accredited by the GCAA
- Submit their request
What are the regulations?
- Fly it within visual line of sight
- Never over populated areas
- Ensure maximum flying height of 400 feet (122 metres) above ground level is not crossed
- Users must avoid flying over restricted areas listed on the UAE Drone app
- Only fly the drone during the day, and never at night
- Should have a live feed of the drone flight
- Drones must weigh 5 kg or less
Mercer, the investment consulting arm of US services company Marsh & McLennan, expects its wealth division to at least double its assets under management (AUM) in the Middle East as wealth in the region continues to grow despite economic headwinds, a company official said.
Mercer Wealth, which globally has $160 billion in AUM, plans to boost its AUM in the region to $2-$3bn in the next 2-3 years from the present $1bn, said Yasir AbuShaban, a Dubai-based principal with Mercer Wealth.
“Within the next two to three years, we are looking at reaching $2 to $3 billion as a conservative estimate and we do see an opportunity to do so,” said Mr AbuShaban.
Mercer does not directly make investments, but allocates clients’ money they have discretion to, to professional asset managers. They also provide advice to clients.
“We have buying power. We can negotiate on their (client’s) behalf with asset managers to provide them lower fees than they otherwise would have to get on their own,” he added.
Mercer Wealth’s clients include sovereign wealth funds, family offices, and insurance companies among others.
From its office in Dubai, Mercer also looks after Africa, India and Turkey, where they also see opportunity for growth.
Wealth creation in Middle East and Africa (MEA) grew 8.5 per cent to $8.1 trillion last year from $7.5tn in 2015, higher than last year’s global average of 6 per cent and the second-highest growth in a region after Asia-Pacific which grew 9.9 per cent, according to consultancy Boston Consulting Group (BCG). In the region, where wealth grew just 1.9 per cent in 2015 compared with 2014, a pickup in oil prices has helped in wealth generation.
BCG is forecasting MEA wealth will rise to $12tn by 2021, growing at an annual average of 8 per cent.
Drivers of wealth generation in the region will be split evenly between new wealth creation and growth of performance of existing assets, according to BCG.
Another general trend in the region is clients’ looking for a comprehensive approach to investing, according to Mr AbuShaban.
“Institutional investors or some of the families are seeing a slowdown in the available capital they have to invest and in that sense they are looking at optimizing the way they manage their portfolios and making sure they are not investing haphazardly and different parts of their investment are working together,” said Mr AbuShaban.
Some clients also have a higher appetite for risk, given the low interest-rate environment that does not provide enough yield for some institutional investors. These clients are keen to invest in illiquid assets, such as private equity and infrastructure.
“What we have seen is a desire for higher returns in what has been a low-return environment specifically in various fixed income or bonds,” he said.
“In this environment, we have seen a de facto increase in the risk that clients are taking in things like illiquid investments, private equity investments, infrastructure and private debt, those kind of investments were higher illiquidity results in incrementally higher returns.”
The Abu Dhabi Investment Authority, one of the largest sovereign wealth funds, said in its 2016 report that has gradually increased its exposure in direct private equity and private credit transactions, mainly in Asian markets and especially in China and India. The authority’s private equity department focused on structured equities owing to “their defensive characteristics.”
The National's picks
4.35pm: Tilal Al Khalediah
5.10pm: Continous
5.45pm: Raging Torrent
6.20pm: West Acre
7pm: Flood Zone
7.40pm: Straight No Chaser
8.15pm: Romantic Warrior
8.50pm: Calandogan
9.30pm: Forever Young
Countries offering golden visas
UK
Innovator Founder Visa is aimed at those who can demonstrate relevant experience in business and sufficient investment funds to set up and scale up a new business in the UK. It offers permanent residence after three years.
Germany
Investing or establishing a business in Germany offers you a residence permit, which eventually leads to citizenship. The investment must meet an economic need and you have to have lived in Germany for five years to become a citizen.
Italy
The scheme is designed for foreign investors committed to making a significant contribution to the economy. Requires a minimum investment of €250,000 which can rise to €2 million.
Switzerland
Residence Programme offers residence to applicants and their families through economic contributions. The applicant must agree to pay an annual lump sum in tax.
Canada
Start-Up Visa Programme allows foreign entrepreneurs the opportunity to create a business in Canada and apply for permanent residence.
Our legal columnist
Name: Yousef Al Bahar
Advocate at Al Bahar & Associate Advocates and Legal Consultants, established in 1994
Education: Mr Al Bahar was born in 1979 and graduated in 2008 from the Judicial Institute. He took after his father, who was one of the first Emirati lawyers
Specs
Engine: 51.5kW electric motor
Range: 400km
Power: 134bhp
Torque: 175Nm
Price: From Dh98,800
Available: Now
The specs
AT4 Ultimate, as tested
Engine: 6.2-litre V8
Power: 420hp
Torque: 623Nm
Transmission: 10-speed automatic
Price: From Dh330,800 (Elevation: Dh236,400; AT4: Dh286,800; Denali: Dh345,800)
On sale: Now
Key facilities
- Olympic-size swimming pool with a split bulkhead for multi-use configurations, including water polo and 50m/25m training lanes
- Premier League-standard football pitch
- 400m Olympic running track
- NBA-spec basketball court with auditorium
- 600-seat auditorium
- Spaces for historical and cultural exploration
- An elevated football field that doubles as a helipad
- Specialist robotics and science laboratories
- AR and VR-enabled learning centres
- Disruption Lab and Research Centre for developing entrepreneurial skills
Company profile
Name: Infinite8
Based: Dubai
Launch year: 2017
Number of employees: 90
Sector: Online gaming industry
Funding: $1.2m from a UAE angel investor
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
Ballon d’Or shortlists
Men
Sadio Mane (Senegal/Liverpool), Sergio Aguero (Aregentina/Manchester City), Frenkie de Jong (Netherlans/Barcelona), Hugo Lloris (France/Tottenham), Dusan Tadic (Serbia/Ajax), Kylian Mbappe (France/PSG), Trent Alexander-Arnold (England/Liverpool), Donny van de Beek (Netherlands/Ajax), Pierre-Emerick Aubameyang (Gabon/Arsenal), Marc-Andre ter Stegen (Germany/Barcelona), Cristiano Ronaldo (Portugal/Juventus), Alisson (Brazil/Liverpool), Matthijs de Ligt (Netherlands/Juventus), Karim Benzema (France/Real Madrid), Georginio Wijnaldum (Netherlands/Liverpool), Virgil van Dijk (Netherlands/Liverpool), Bernardo Silva (Portugal/Manchester City), Son Heung-min (South Korea/Tottenham), Robert Lewandowski (Poland/Bayern Munich), Roberto Firmino (Brazil/Liverpool), Lionel Messi (Argentina/Barcelona), Riyad Mahrez (Algeria/Manchester City), Kevin De Bruyne (Belgium/Manchester City), Kalidou Koulibaly (Senegal/Napoli), Antoine Griezmann (France/Barcelona), Mohamed Salah (Egypt/Liverpool), Eden Hazard (BEL/Real Madrid), Marquinhos (Brazil/Paris-SG), Raheem Sterling (Eengland/Manchester City), Joao Félix(Portugal/Atletico Madrid)
Women
Sam Kerr (Austria/Chelsea), Ellen White (England/Manchester City), Nilla Fischer (Sweden/Linkopings), Amandine Henry (France/Lyon), Lucy Bronze(England/Lyon), Alex Morgan (USA/Orlando Pride), Vivianne Miedema (Netherlands/Arsenal), Dzsenifer Marozsan (Germany/Lyon), Pernille Harder (Denmark/Wolfsburg), Sarah Bouhaddi (France/Lyon), Megan Rapinoe (USA/Reign FC), Lieke Martens (Netherlands/Barcelona), Sari van Veenendal (Netherlands/Atletico Madrid), Wendie Renard (France/Lyon), Rose Lavelle(USA/Washington Spirit), Marta (Brazil/Orlando Pride), Ada Hegerberg (Norway/Lyon), Kosovare Asllani (Sweden/CD Tacon), Sofia Jakobsson (Sweden/CD Tacon), Tobin Heath (USA/Portland Thorns)
Day 2, stumps
Pakistan 482
Australia 30/0 (13 ov)
Australia trail by 452 runs with 10 wickets remaining in the innings
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.
Martin Sabbagh profile
Job: CEO JCDecaux Middle East
In the role: Since January 2015
Lives: In the UAE
Background: M&A, investment banking
Studied: Corporate finance
Secret Nation: The Hidden Armenians of Turkey
Avedis Hadjian, (IB Tauris)
'Worse than a prison sentence'
Marie Byrne, a counsellor who volunteers at the UAE government's mental health crisis helpline, said the ordeal the crew had been through would take time to overcome.
“It was worse than a prison sentence, where at least someone can deal with a set amount of time incarcerated," she said.
“They were living in perpetual mystery as to how their futures would pan out, and what that would be.
“Because of coronavirus, the world is very different now to the one they left, that will also have an impact.
“It will not fully register until they are on dry land. Some have not seen their young children grow up while others will have to rebuild relationships.
“It will be a challenge mentally, and to find other work to support their families as they have been out of circulation for so long. Hopefully they will get the care they need when they get home.”
Teams
Pakistan: Sarfraz Ahmed (captain), Mohammad Hafeez, Sahibzada Farhan, Babar Azam, Shoaib Malik, Asif Ali, Shadab Khan, Shaheen Shah Afridi, Usman Khan Shanwari, Hasan Ali, Imad Wasim, Faheem Ashraf.
New Zealand: Kane Williamson (captain), Corey Anderson, Mark Chapman, Lockie Ferguson, Colin de Grandhomme, Adam Milne, Colin Munro, Ajaz Patel, Glenn Phillips, Seth Rance, Tim Seifert, Ish Sodhi, Tim Southee, Ross Taylor.
A Long Way Home by Peter Carey
Faber & Faber
GAC GS8 Specs
Engine: 2.0-litre 4cyl turbo
Power: 248hp at 5,200rpm
Torque: 400Nm at 1,750-4,000rpm
Transmission: 8-speed auto
Fuel consumption: 9.1L/100km
On sale: Now
Price: From Dh149,900
The view from The National
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.
BEACH SOCCER WORLD CUP
Group A
Paraguay
Japan
Switzerland
USA
Group B
Uruguay
Mexico
Italy
Tahiti
Group C
Belarus
UAE
Senegal
Russia
Group D
Brazil
Oman
Portugal
Nigeria
COMPANY PROFILE
Name: Kumulus Water
Started: 2021
Founders: Iheb Triki and Mohamed Ali Abid
Based: Tunisia
Sector: Water technology
Number of staff: 22
Investment raised: $4 million
Sholto Byrnes on Myanmar politics
'My Son'
Director: Christian Carion
Starring: James McAvoy, Claire Foy, Tom Cullen, Gary Lewis
Rating: 2/5
UAE%20Warriors%2045%20Results
%3Cp%3E%3Cstrong%3E%0DMain%20Event%0D%3A%20Lightweight%20Title%3C%2Fstrong%3E%0D%3Cbr%3EAmru%20Magomedov%20def%20Jakhongir%20Jumaev%20-%20Round%201%20(submission)%0D%3Cbr%3E%3Cstrong%3ECo-Main%20Event%0D%3A%20Bantamweight%3C%2Fstrong%3E%0D%3Cbr%3ERany%20Saadeh%20def%20Genil%20Franciso%20-%20Round%202%20(submission)%0D%3Cbr%3E%3Cstrong%3ECatchweight%20150%20lbs%3C%2Fstrong%3E%0D%3Cbr%3EWalter%20Cogliandro%20def%20Ali%20Al%20Qaisi%20-%20Round%201%20(TKO)%0D%3Cbr%3E%3Cstrong%3EBantamweight%3C%2Fstrong%3E%0D%3Cbr%3ERenat%20Khavalov%20def%20Hikaru%20Yoshino%20-%20Round%202%20(TKO)%0D%3Cbr%3E%3Cstrong%3EFlyweight%3C%2Fstrong%3E%0D%3Cbr%3EVictor%20Nunes%20def%20Nawras%20Abzakh%20-%20Round%201%20(TKO)%0D%3Cbr%3E%3Cstrong%3EFlyweight%3C%2Fstrong%3E%0D%3Cbr%3EYamato%20Fujita%20def%20Sanzhar%20Adilov%20-%20Round%201%20(submission)%0D%3Cbr%3E%3Cstrong%3ELightweight%3C%2Fstrong%3E%0D%3Cbr%3EAbdullo%20Khodzhaev%20def%20Petru%20Buzdugen%20-%20Round%201%20(TKO)%0D%3Cbr%3E%3Cstrong%3ECatchweight%20139%20lbs%3C%2Fstrong%3E%0D%3Cbr%3ERazhabali%20Shaydullaev%20def%20Magomed%20Al-Abdullah%20-%20Round%202%20(submission)%0D%3Cbr%3E%3Cstrong%3EFlyweight%3C%2Fstrong%3E%0D%3Cbr%3ECong%20Wang%20def%20Amena%20Hadaya%20-%20Points%20(unanimous%20decision)%0D%3Cbr%3E%3Cstrong%3EMiddleweight%3C%2Fstrong%3E%0D%3Cbr%3EKhabib%20Nabiev%20def%20Adis%20Taalaybek%20Uulu%20-%20Round%202%20(submission)%0D%3Cbr%3E%3Cstrong%3ELight%20Heavyweight%3C%2Fstrong%3E%0D%3Cbr%3EBartosz%20Szewczyk%20def%20Artem%20Zemlyakov%20-%20Round%202%20(TKO)%3C%2Fp%3E%0A
Specs
Engine: Electric motor generating 54.2kWh (Cooper SE and Aceman SE), 64.6kW (Countryman All4 SE)
Power: 218hp (Cooper and Aceman), 313hp (Countryman)
Torque: 330Nm (Cooper and Aceman), 494Nm (Countryman)
On sale: Now
Price: From Dh158,000 (Cooper), Dh168,000 (Aceman), Dh190,000 (Countryman)
What's in the deal?
Agreement aims to boost trade by £25.5bn a year in the long run, compared with a total of £42.6bn in 2024
India will slash levies on medical devices, machinery, cosmetics, soft drinks and lamb.
India will also cut automotive tariffs to 10% under a quota from over 100% currently.
Indian employees in the UK will receive three years exemption from social security payments
India expects 99% of exports to benefit from zero duty, raising opportunities for textiles, marine products, footwear and jewellery
Tax authority targets shisha levy evasion
The Federal Tax Authority will track shisha imports with electronic markers to protect customers and ensure levies have been paid.
Khalid Ali Al Bustani, director of the tax authority, on Sunday said the move is to "prevent tax evasion and support the authority’s tax collection efforts".
The scheme’s first phase, which came into effect on 1st January, 2019, covers all types of imported and domestically produced and distributed cigarettes. As of May 1, importing any type of cigarettes without the digital marks will be prohibited.
He said the latest phase will see imported and locally produced shisha tobacco tracked by the final quarter of this year.
"The FTA also maintains ongoing communication with concerned companies, to help them adapt their systems to meet our requirements and coordinate between all parties involved," he said.
As with cigarettes, shisha was hit with a 100 per cent tax in October 2017, though manufacturers and cafes absorbed some of the costs to prevent prices doubling.
TEACHERS' PAY - WHAT YOU NEED TO KNOW
Pay varies significantly depending on the school, its rating and the curriculum. Here's a rough guide as of January 2021:
- top end schools tend to pay Dh16,000-17,000 a month - plus a monthly housing allowance of up to Dh6,000. These tend to be British curriculum schools rated 'outstanding' or 'very good', followed by American schools
- average salary across curriculums and skill levels is about Dh10,000, recruiters say
- it is becoming more common for schools to provide accommodation, sometimes in an apartment block with other teachers, rather than hand teachers a cash housing allowance
- some strong performing schools have cut back on salaries since the pandemic began, sometimes offering Dh16,000 including the housing allowance, which reflects the slump in rental costs, and sheer demand for jobs
- maths and science teachers are most in demand and some schools will pay up to Dh3,000 more than other teachers in recognition of their technical skills
- at the other end of the market, teachers in some Indian schools, where fees are lower and competition among applicants is intense, can be paid as low as Dh3,000 per month
- in Indian schools, it has also become common for teachers to share residential accommodation, living in a block with colleagues
MATCH INFO
FA Cup final
Chelsea 1
Hazard (22' pen)
Manchester United 0
Man of the match: Eden Hazard (Chelsea)
KILLING OF QASSEM SULEIMANI
Lexus LX700h specs
Engine: 3.4-litre twin-turbo V6 plus supplementary electric motor
Power: 464hp at 5,200rpm
Torque: 790Nm from 2,000-3,600rpm
Transmission: 10-speed auto
Fuel consumption: 11.7L/100km
On sale: Now
Price: From Dh590,000
Test
Director: S Sashikanth
Cast: Nayanthara, Siddharth, Meera Jasmine, R Madhavan
Star rating: 2/5
The Settlers
Director: Louis Theroux
Starring: Daniella Weiss, Ari Abramowitz
Rating: 5/5
The biog
Age: 59
From: Giza Governorate, Egypt
Family: A daughter, two sons and wife
Favourite tree: Ghaf
Runner up favourite tree: Frankincense
Favourite place on Sir Bani Yas Island: “I love all of Sir Bani Yas. Every spot of Sir Bani Yas, I love it.”
Unresolved crisis
Russia and Ukraine have been locked in a bitter conflict since 2014, when Ukraine’s Kremlin-friendly president was ousted, Moscow annexed Crimea and then backed a separatist insurgency in the east.
Fighting between the Russia-backed rebels and Ukrainian forces has killed more than 14,000 people. In 2015, France and Germany helped broker a peace deal, known as the Minsk agreements, that ended large-scale hostilities but failed to bring a political settlement of the conflict.
The Kremlin has repeatedly accused Kiev of sabotaging the deal, and Ukrainian officials in recent weeks said that implementing it in full would hurt Ukraine.
How to get there
Emirates (www.emirates.com) flies directly to Hanoi, Vietnam, with fares starting from around Dh2,725 return, while Etihad (www.etihad.com) fares cost about Dh2,213 return with a stop. Chuong is 25 kilometres south of Hanoi.
The%20Afghan%20connection
%3Cp%3EThe%20influx%20of%20talented%20young%20Afghan%20players%20to%20UAE%20cricket%20could%20have%20a%20big%20impact%20on%20the%20fortunes%20of%20both%20countries.%20Here%20are%20three%20Emirates-based%20players%20to%20watch%20out%20for.%0D%3Cbr%3E%20%0D%3Cbr%3E%3Cstrong%3EHassan%20Khan%20Eisakhil%3C%2Fstrong%3E%0D%3Cbr%3EMohammed%20Nabi%20is%20still%20proving%20his%20worth%20at%20the%20top%20level%20but%20there%20is%20another%20reason%20he%20is%20raging%20against%20the%20idea%20of%20retirement.%20If%20the%20allrounder%20hangs%20on%20a%20little%20bit%20longer%2C%20he%20might%20be%20able%20to%20play%20in%20the%20same%20team%20as%20his%20son%2C%20Hassan%20Khan.%20The%20family%20live%20in%20Ajman%20and%20train%20in%20Sharjah.%0D%3Cbr%3E%20%0D%3Cbr%3E%3Cstrong%3EMasood%20Gurbaz%3C%2Fstrong%3E%0D%3Cbr%3EThe%20opening%20batter%2C%20who%20trains%20at%20Sharjah%20Cricket%20Academy%2C%20is%20another%20player%20who%20is%20a%20part%20of%20a%20famous%20family.%20His%20brother%2C%20Rahmanullah%2C%20was%20an%20IPL%20winner%20with%20Kolkata%20Knight%20Riders%2C%20and%20opens%20the%20batting%20with%20distinction%20for%20Afghanistan.%0D%3Cbr%3E%20%0D%3Cbr%3E%3Cstrong%3EOmid%20Rahman%3C%2Fstrong%3E%0D%3Cbr%3EThe%20fast%20bowler%20became%20a%20pioneer%20earlier%20this%20year%20when%20he%20became%20the%20first%20Afghan%20to%20represent%20the%20UAE.%20He%20showed%20great%20promise%20in%20doing%20so%2C%20too%2C%20playing%20a%20key%20role%20in%20the%20senior%20team%E2%80%99s%20qualification%20for%20the%20Asia%20Cup%20in%20Muscat%20recently.%0D%3Cbr%3E%3C%2Fp%3E%0A
The specs
Engine: 3.8-litre V6
Power: 295hp at 6,000rpm
Torque: 355Nm at 5,200rpm
Transmission: 8-speed auto
Fuel consumption: 10.7L/100km
Price: Dh179,999-plus
On sale: now