Republican U.S. presidential candidate and former Massachusetts Governor Mitt Romney hugs grandson Thomas as his wife Ann (L), daughter in law Jen (R, rear) and granddaughter Allie look on after he spoke at his "Super Tuesday" primary election night rally in Boston, Massachusetts, March 6, 2012. REUTERS/Jessica Rinaldi (UNITED STATES - Tags: POLITICS ELECTIONS TPX IMAGES OF THE DAY) *** Local Caption ***  BOS124_USA-CAMPAIGN_0307_11.JPG
Republican US presidential candidate and former Massachusetts governor Mitt Romney hugs family members at his Super Tuesday primary election night rally in Boston, Massachusetts.

Mitt Romney secures five of 10 states on Super Tuesday



WASHINGTON // Mitt Romney has secured an important victory in multiple Republican Party primary elections, but there is still little clarity in the contest to see who will challenge Barack Obama for the US presidency in November.

Ten states held primaries on so-called "Super Tuesday." At stake were a third of the number of votes needed to win the party's presidential nomination when it meets for its national convention in August.

Mr Romney, the former Massachusetts governor, won five states, including, by the narrowest of margins, Ohio, a key battleground state.

Rick Santorum, the former Pennsylvania senator and Mr Romney's closest rival, won three states, and ran Mr Romney desperately close in Ohio, where he had been leading in polls before the vote.

Newt Gingrich, the former leader of the House of Representatives, won his home state of Georgia, while Ron Paul, the Texas representative, was still hoping for a first victory, with Alaska reporting late.

Most of the focus was on Ohio, where it looked like Mr Santorum might cause an upset before Tuesday's race. The state is a key swing state that will be contested keenly in November, and no Republican has ever won the presidency without prevailing in Ohio.

On the night, Mr Romney's greater spending power eventually told. Mr Romney's campaign outspent Mr Santorum's by a four-to-one margin, according to the Wall Street Journal, and the multi-millionaire gradually hauled in Mr Santorum, who only days ago had held a double digit lead in the opinion polls in the state.

CNN called the state with 96 percent of the vote counted and Mr Romney leading Mr Santorum by just over 12,000 votes, 38 percent of the vote to Mr Santorum's 37.

In spite of the narrow margin, Mr Romney still assumed the role of nominee-in-waiting Tuesday evening, when he addressed his supporters in Boston. Mr Romney largely ignored his rivals in his remarks and focused instead his remarks on Mr Obama, as he has done for the bulk of the campaign.

"This president's run out of ideas. He's run out of excuses. And, in 2012, we're going to get him out of the White House," Mr Romney said.

For his part, Mr Santorum was keen to emphasize that he was winning states in spite of being outspent, and that he was the only realistic alternative left to Mr Romney.

""We went up against enormous odds, not just here in the state of Ohio... but in every state," Mr Santorum told supporters gathered in Steubenville, Ohio. "There wasn't a single state... where I spent more money than the people I was able to defeat. In every case we overcame the odds."

Mr Santorum has in recent weeks begun to establish himself as Mr Romney's main rival, but he is competing for the conservative vote with Mr Gingrich, who picked up the night's biggest state, his home state of Georgia.

And Mr Gingrich sounded bullish when he addressed his supporters Tuesday. He invoked the names of the many candidates that at some point during the campaign had held the mantle as Mr Romney's chief rival, from Michelle Bachman, the Minnesota representative through Donald Trump, the multi-millionaire businessman to Mr Santorum now.

"There are lots of bunny rabbits that run through," he told a boisterous crowd in Atlanta. "I am the tortoise."
With yesterday's victories – which in addition to Ohio included Idaho, Massachusetts, Virginia and Vermont – Mr Romney has now won 13 states and 359 delegates, more than his three rivals put together, according to a CNN count.
But Mr Romney needs 1,144 delegates to secure the Republican nomination. With a third of delegates now divided out, the likelihood is increasing that the four-way race could go all the way without any candidate obtaining the necessary number of delegates.

A candidate will then only be finally nominated at the Republican national convention in late August.

Mr Santorum's victories in North Dakota, Tennessee and Oklahoma, brought his tally to seven states. He has so far won 139 delegates. Mr Gingrich has 93 delegates, but could leap ahead of Mr Santorum next week after primaries in Alabama and Mississippi, both southern states in which Mr Gingrich is polling well.

Mr Paul, meanwhile, is hoping Alaska might provide him with his first victory. Mr Paul has so far secured 60 delegates.

MATCH INFO

Manchester United 1 (Fernandes pen 2') Tottenham Hotspur 6 (Ndombele 4', Son 7' & 37' Kane (30' & pen 79, Aurier 51')

Man of the match Son Heung-min (Tottenham)

Company profile

Name: WallyGPT
Started: 2014
Founders: Saeid and Sami Hejazi
Based: Dubai
Sector: FinTech
Investment raised: $7.1 million
Number of staff: 20
Investment stage: Pre-seed round

Rebel Moon - Part One: A Child of Fire

Director: Zack Snyder
Stars: Sofia Boutella, Djimon Hounsou, Ed Skrein, Michiel Huisman, Charlie Hunnam
Rating: 2/5

How does ToTok work?

The calling app is available to download on Google Play and Apple App Store

To successfully install ToTok, users are asked to enter their phone number and then create a nickname.

The app then gives users the option add their existing phone contacts, allowing them to immediately contact people also using the application by video or voice call or via message.

Users can also invite other contacts to download ToTok to allow them to make contact through the app.

 

Five healthy carbs and how to eat them

Brown rice: consume an amount that fits in the palm of your hand

Non-starchy vegetables, such as broccoli: consume raw or at low temperatures, and don’t reheat  

Oatmeal: look out for pure whole oat grains or kernels, which are locally grown and packaged; avoid those that have travelled from afar

Fruit: a medium bowl a day and no more, and never fruit juices

Lentils and lentil pasta: soak these well and cook them at a low temperature; refrain from eating highly processed pasta variants

Courtesy Roma Megchiani, functional nutritionist at Dubai’s 77 Veggie Boutique

Profile

Co-founders of the company: Vilhelm Hedberg and Ravi Bhusari

Launch year: In 2016 ekar launched and signed an agreement with Etihad Airways in Abu Dhabi. In January 2017 ekar launched in Dubai in a partnership with the RTA.

Number of employees: Over 50

Financing stage: Series B currently being finalised

Investors: Series A - Audacia Capital 

Sector of operation: Transport

World Food Day

Celebrated on October 16, to coincide with the founding date of the United Nations Food and Agriculture Organisation, World Food Day aims to tackle issues such as hunger, food security, food waste and the environmental impact of food production.

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.

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Martin Puchner
Granta

Our legal consultant

Name: Dr Hassan Mohsen Elhais

Position: legal consultant with Al Rowaad Advocates and Legal Consultants.

if you go

The flights

Fly to Rome with Etihad (www.etihad.ae) or Emirates (www.emirates.com) from Dh2,480 return including taxes. The flight takes six hours. Fly from Rome to Trapani with Ryanair (www.ryanair.com) from Dh420 return including taxes. The flight takes one hour 10 minutes.

The hotels

The author recommends the following hotels for this itinerary. In Trapani, Ai Lumi (www.ailumi.it); in Marsala, Viacolvento (www.viacolventomarsala.it); and in Marsala Del Vallo, the Meliaresort Dimore Storiche (www.meliaresort.it).

Our legal consultant

Name: Hassan Mohsen Elhais

Position: legal consultant with Al Rowaad Advocates and Legal Consultants.

Company profile

Name: Purpl

Co-founders: Karl Naim, Wissam Ghorra, Jean-Marie Khoueir

Based: Hub71 in Abu Dhabi and Beirut

Started: 2021

Number of employees: 12

Sector: FinTech

Funding: $2 million

SERIE A FIXTURES

Friday Sassuolo v Benevento (Kick-off 11.45pm)

Saturday Crotone v Spezia (6pm), Torino v Udinese (9pm), Lazio v Verona (11.45pm)

Sunday Cagliari v Inter Milan (3.30pm), Atalanta v Fiorentina (6pm), Napoli v Sampdoria (6pm), Bologna v Roma (6pm), Genoa v Juventus (9pm), AC Milan v Parma (11.45pm)

Ziina users can donate to relief efforts in Beirut

Ziina users will be able to use the app to help relief efforts in Beirut, which has been left reeling after an August blast caused an estimated $15 billion in damage and left thousands homeless. Ziina has partnered with the United Nations High Commissioner for Refugees to raise money for the Lebanese capital, co-founder Faisal Toukan says. “As of October 1, the UNHCR has the first certified badge on Ziina and is automatically part of user's top friends' list during this campaign. Users can now donate any amount to the Beirut relief with two clicks. The money raised will go towards rebuilding houses for the families that were impacted by the explosion.”

The specs: Fenyr SuperSport

Price, base: Dh5.1 million

Engine: 3.8-litre twin-turbo flat-six

Transmission: Seven-speed automatic

Power: 800hp @ 7,100pm

Torque: 980Nm @ 4,000rpm

Fuel economy, combined: 13.5L / 100km

UAE SQUAD

Jemma Eley, Maria Michailidou, Molly Fuller, Chloe Andrews (of Dubai College), Eliza Petricola, Holly Guerin, Yasmin Craig, Caitlin Gowdy (Dubai English Speaking College), Claire Janssen, Cristiana Morall (Jumeirah English Speaking School), Tessa Mies (Jebel Ali School), Mila Morgan (Cranleigh Abu Dhabi).


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