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Print - 2016-11-01
Summit Bank announces third quarter results

Summit Bank announces third quarter results

Summit Bank has posted Rs 233.116 million as loss after tax in the quarter ended September 30, 2016 as compared to profit after tax of Rs 39.102 million in the corresponding quarter in 2015. The board of directors of the bank in its meeting declared that
Published 01 Nov, 2016 12:00am
Sindh chief minister approves Rs 8 million for forensic lab

Sindh chief minister approves Rs 8 million for forensic lab

Sindh Chief Minister Syed Murad Ali Shah has approved Rs8 million for establishment of a 'Forensic Laboratory' and directed relevant officials to arrange suitable land in the city for that forensic lab for explosives.
Published 01 Nov, 2016 12:00am
Dewan Cement posts Rs 268.371 million PAT

Dewan Cement posts Rs 268.371 million PAT

The profit after tax of Dewan Cement has increased to Rs 268.371 million in the quarter ended September 30, 2016 as compared to Rs 165.615 million earned in the corresponding quarter in 2015. The board of directors of the company in its meeting declared t
Published 01 Nov, 2016 12:00am
FPCCI elections: UBG to finalise names of candidates on November 6

FPCCI elections: UBG to finalise names of candidates on November 6

Central Core committee meeting of United Business Group (UBG) is scheduled to be on November 6 to finales and announce its candidate names for the seats of Senior Vice President and Vice presidents, for forth coming elections of Federation of Pakistan Cha
Published 01 Nov, 2016 12:00am
PIA attains 99 percent regularity: CEO

PIA attains 99 percent regularity: CEO

Pakistan International Airlines (PIA) has attained a regularity of 99 percent during past few months; a top airline official said here on Monday. Speaking at a weekly meeting of Rotari Club Karachi, CEO PIA Bernd Hildenbrand informed that improvements wer
Published 01 Nov, 2016 12:00am
Bank Alfalah enters into strategic partnership with ICBC

Bank Alfalah enters into strategic partnership with ICBC

Bank Alfalah has entered into a strategic partnership with prominent Chinese Bank, Industrial and Commercial Bank of China Limited (ICBC), Karachi Branch for cooperation in several areas of banking and finance.
Published 01 Nov, 2016 12:00am
KCCI president for release of seized containers

KCCI president for release of seized containers

President of the Karachi Chamber of Commerce and Industry (KCCI) Shamim Ahmed Firpo has urged the government to immediately release all these containers to help business community avoid fiscal losses.
Published 01 Nov, 2016 12:00am
SSGC team unearths gas theft in Gulistan-e-Johar

SSGC team unearths gas theft in Gulistan-e-Johar

SSGC's Surveillance and Monitoring team continued its crackdown against miscreants involved in natural gas theft by raiding an apartment building near Kamran Chowrangi, Gulistan-e-Johar.
Published 01 Nov, 2016 12:00am
Partly Facetious: The bestest party in Pakistan

Partly Facetious: The bestest party in Pakistan

"I would like to restate the findings of the most recent survey: Mian sahibs', plural here, are the bestest in this country - the older gentleman is the best Prime Minister and the younger the best Chief Minister as per Pildat, a non-partisan think tank,
Published 01 Nov, 2016 12:00am
Tokyo stocks slip over Clinton email woes

Tokyo stocks slip over Clinton email woes

Tokyo stocks eased Monday after the FBI said it would further investigate US presidential candidate Hillary Clinton's emails, fuelling uncertainty about next week's poll, while traders were keeping an eye on a central bank policy meeting. Markets favourit
Published 01 Nov, 2016 12:00am
Hong Kong stocks snap three-month winning streak

Hong Kong stocks snap three-month winning streak

Hong Kong's benchmark index ended little changed on Monday, but fell 1.6 percent in October, snapping a three-month rising streak and suggesting a strong rally since February is losing steam. The Hang Seng index fell 0.1 percent to 22,934.54 points, while
Published 01 Nov, 2016 12:00am
SE Asian markets flat

SE Asian markets flat

Southeast Asian stock markets ended Monday flat as oil fell and uncertainty ahead of the US presidential election prevailed, while a better-than-expected growth in the US economy improved prospects of a Fed rate hike. Federal investigators' new probe rela
Published 01 Nov, 2016 12:00am
China stocks ease
Currency

China stocks ease

China stocks ended slightly lower on Monday as sentiment was dampened by warnings from top policymakers about asset bubbles and uncertainties around the US presidential election The blue chip CSI300 index fell 0.1 percent, to 3,336.28, while the Shanghai
Published 01 Nov, 2016 12:00am
European shares fall for 6th day, Spain's IBEX underperforms

European shares fall for 6th day, Spain's IBEX underperforms

European equities fell for a sixth straight session on Monday, with energy shares tracking weaker crude oil prices and financial stocks losing ground. Europe's STOXX 600 fell 0.5 percent, ending its second month of losses.
Published 01 Nov, 2016 12:00am
Sri Lankan shares fall to three-month low

Sri Lankan shares fall to three-month low

Sri Lankan shares ended Monday weaker at a three-month low in thin trade ahead of a monetary policy announcement by the central bank, as the prime minister's plan for improving the investment climate failed to cheer the market.
Published 01 Nov, 2016 12:00am
Australian and New Zealand shares soar

Australian and New Zealand shares soar

Australian shares finished higher on Monday after a subdued start, as higher commodity prices supported basic materials stocks. The S&P/ASX 200 index was up 0.6 percent, or 33.89 points, at 5,317.73 at the close of trade. The benchmark closed 0.2 percent
Published 01 Nov, 2016 12:00am
FTSE slips, though posts fifth straight month of gains

FTSE slips, though posts fifth straight month of gains

Britain's top share index retreated on Monday but posted a fifth straight month of gains, as advertising group WPP rose after reporting its third-quarter results. The blue chip FTSE 100 index was down 0.6 percent at 6,954.22 points by the close, but up 0.
Published 01 Nov, 2016 12:00am
LHC reserves verdict on petitions against sit-in plan

LHC reserves verdict on petitions against sit-in plan

The Lahore High Court on Monday reserved its verdict in petitions against locking down of Islamabad by Pakistan Tehreek-e-Insaf (PTI). The court also called detailed reply from the Punjab government regarding arrest of PTI's workers.
Published 01 Nov, 2016 12:00am
Mansoor Ali Khan appointed Chief Executive of Bank Al Habib

Mansoor Ali Khan appointed Chief Executive of Bank Al Habib

The Board of Directors of Bank AL Habib Limited has appointed Mansoor Ali Khan as Chief Executive of the Bank, w.e.f. November 01, 2016. Mansoor Ali Khan has vast experience of commercial & international banking both in Pakistan and overseas. He has been
Published 01 Nov, 2016 12:00am
(GIDC) Act, 2015: Ministry to file appeal against judgement

(GIDC) Act, 2015: Ministry to file appeal against judgement

Ministry of Petroleum and Natural Resources will file an appeal in the Sindh High Court (SHC) in consultation with the Ministry of Finance against the judgement of SHC on Gas Infrastructure Development Cess (GIDC) Act, 2015.
Published 01 Nov, 2016 12:00am
Maryam sends defamation notice to Haq

Maryam sends defamation notice to Haq

Maryam Nawaz, the daughter of Prime Minister Nawaz Sharif, on Monday sent Rs1 billion defamation notice to Naeemul Haq, central information secretary of Pakistan Tehreek-e-Insaf (PTI). The notice was sent after Naeemul Haq accused Maryam Nawaz of being re
Published 01 Nov, 2016 12:00am
World Bank launches Doing Business Report 2017

World Bank launches Doing Business Report 2017

The World Bank launched Doing Business report 2017 on October 25, 2016. Pakistan improved its position from 148 (DB-2016) of 189 to 144 (DB-2017) out of 190 countries under the new methodology. On the Distance to Frontier (DTF) metric, Pakistan's score we
Published 01 Nov, 2016 12:00am
Mansoor Karim appointed CEO of Orientm McCann

Mansoor Karim appointed CEO of Orientm McCann

Mansoor Karim, has been appointed as CEO of one of Pakistan's largest adverting agencies, Orientm McCann. Mansoor said he is excited to be part of the Orientm McMann family and is looking forward to leading the agency's operation spanning the country and
Published 01 Nov, 2016 12:00am
Victims of Nazimabad firing laid to rest

Victims of Nazimabad firing laid to rest

Funeral prayers of four persons who were shot dead by armed motorcyclists during a Majlis in Nazimabad on Saturday evening were offered, here on Monday. A large number of people from different walks of life such as religious scholars, politicians, social
Published 01 Nov, 2016 12:00am
ST on POL products reduced

ST on POL products reduced

The Federal Board of Revenue (FBR) has reduced sales tax on petroleum products from November 1, 2016 including motor spirit on which sales tax has been reduced from 20 to 16.5 percent, reflecting a decrease of 3.5 percent. According to an SRO 1011(1)/2016
Published 01 Nov, 2016 12:00am
ST on POL products reduced

ST on POL products reduced

The Federal Board of Revenue (FBR) has reduced sales tax on petroleum products from November 1, 2016 including motor spirit on which sales tax has been reduced from 20 to 16.5 percent, reflecting a decrease of 3.5 percent. According to an SRO 1011(1)/2016
Published 01 Nov, 2016 12:00am
Sri Lankan rupee weakens
Currency

Sri Lankan rupee weakens

The Sri Lankan rupee ended weaker on Monday due to mild importer dollar demand, but month-end inward remittances capped the fall, dealers said. Rupee forwards were active, with one-week forwards ending weaker at 148.35/40 per dollar compared with Friday's
Published 01 Nov, 2016 12:00am
Dollar off recent highs in Asia

Dollar off recent highs in Asia

The dollar edged up on Monday, staying on track for a monthly gain, but remained shy of recent highs as investors became less sure that Hillary Clinton would win the US presidential election after the FBI's new probe into her private email use.
Published 01 Nov, 2016 12:00am
Dollar bounces back from Clinton email shock in Europe
Currency

Dollar bounces back from Clinton email shock in Europe

The dollar recovered some ground on Monday after a Friday night slide on news that the FBI was investigating newly discovered emails as part of a probe into Hillary Clinton's use of a private server while she was secretary of state.
Published 01 Nov, 2016 12:00am
Bangladesh's interbank forex rates

Bangladesh's interbank forex rates

Interbank buy/sell rates for the taka against the dollar on Monday. 78.41-78.44 (previous 78.41-78.42).
Published 01 Nov, 2016 12:00am
Asia FX buoyed by soft dollar
Currency

Asia FX buoyed by soft dollar

Most emerging Asian currencies edged up on Monday as the dollar retreated after news that the FBI will review more emails related to US Democratic presidential candidate Hillary Clinton's private email server. Regional currencies were set to post losses f
Published 01 Nov, 2016 12:00am
Yuan edges up
Currency

Yuan edges up

China's yuan firmed on Monday after the central bank set the daily midpoint fixing at the strongest pace in more than a month, but the Chinese currency is still poised for a nearly 1.5 percent loss against the dollar this month.
Published 01 Nov, 2016 12:00am
Aussie steady and New Zealand slips
Currency

Aussie steady and New Zealand slips

The Australian dollar was largely flat on Monday ahead of a central bank policy meeting this week and amid nervousness about the outcome of the US elections. The Australian dollar stood at $0.7601, recovering from a two-week low of $0.7558 hit on Friday.
Published 01 Nov, 2016 12:00am
Deadly clashes in CAR as France ends military mission

Deadly clashes in CAR as France ends military mission

The Central African Republic's capital was rocked by deadly overnight clashes hours before France's defence minister formally ended a military operation there Monday, hailing it as a "success".
Published 01 Nov, 2016 12:00am
France clears Calais camp

France clears Calais camp

French demolition teams cleared the last shacks in the Calais "Jungle" on Monday, signalling the end of the notorious camp as concerns mount for thousands of migrants sleeping rough in Paris.
Published 01 Nov, 2016 12:00am
Turkey detains editor

Turkey detains editor

Turkish police on Monday detained the editor-in-chief of the newspaper Cumhuriyet - a thorn in the side of President Recep Tayyip Erdogan - as Ankara widens a crackdown on opposition media. The newspaper, which had published revelations embarrassing for t
Published 01 Nov, 2016 12:00am
Bocelli sings at launch of Kuwait culture centre

Bocelli sings at launch of Kuwait culture centre

Italian tenor Andrea Bocelli performed Monday at the launch of a huge cultural centre in Kuwait which includes a 2,000-seat opera house, the first in the oil-rich Gulf state.
Published 01 Nov, 2016 12:00am
World piracy plummets to 20-year low

World piracy plummets to 20-year low

Pirate attacks world-wide fell to a 20-year low in the third quarter, the International Maritime Bureau said Monday, as it credited anti-piracy efforts by authorities and the shipping industry. The IMB said in its latest quarterly report that 42 instances
Published 01 Nov, 2016 12:00am
Lebanon elects Aoun president, ending two-year vacuum

Lebanon elects Aoun president, ending two-year vacuum

Lebanon's Michel Aoun, a former general backed by the powerful Hezbollah movement as well as longtime rivals, was elected president Monday ending a political vacuum of more than two years.
Published 01 Nov, 2016 12:00am
Six killed in Afghanistan

Six killed in Afghanistan

A suicide bomber on Monday detonated his explosives in a gathering of tribal elders in eastern Afghanistan, killing at least six people in the latest direct assault on civilians. No group has so far claimed responsibility for the attack in Jalalabad, the
Published 01 Nov, 2016 12:00am
Iraqi forces move within striking distance of Mosul

Iraqi forces move within striking distance of Mosul

Iraqi forces advanced to within a few hundred metres of Mosul on Monday, moving within striking distance of a city they lost to the Islamic State group two years before. Forces from the elite Counter-Terrorism Service (CTS) faced mortar fire as they pushe
Published 01 Nov, 2016 12:00am
Millionth passenger on world's shortest flight route

Millionth passenger on world's shortest flight route

The world's shortest flight, a tiny hop between two remote British islands, celebrated Monday taking its millionth passenger on the route. The 1.7-mile (2.7-kilometre) flight between Westray and Papa Westray in the Orkney Islands, off mainland Scotland's
Published 01 Nov, 2016 12:00am
China blast kills 15 miners, 18 missing

China blast kills 15 miners, 18 missing

Fifteen miners are confirmed dead and 18 missing after a coal mine explosion in south-west China Monday, state media reported, the latest mining disaster in the country.
Published 01 Nov, 2016 12:00am
Putin signs law halting plutonium disposal deal with US

Putin signs law halting plutonium disposal deal with US

President Vladimir Putin on Monday signed a law suspending an agreement with the United States on disposing of weapons-grade plutonium amid a rise in tensions with the West. The law, published Monday in the government's online database, comes weeks after
Published 01 Nov, 2016 12:00am
Indian police gun down escaped SIMI prisoners

Indian police gun down escaped SIMI prisoners

Indian police gunned down eight Islamists on Monday after they escaped from a high-security jail by slitting the throat of a prison guard and scaling the walls with knotted bedsheets.
Published 01 Nov, 2016 12:00am
Chinese stealth fighter to shed cloak of secrecy

Chinese stealth fighter to shed cloak of secrecy

China's newest warplane, the J-20 stealth fighter, will make its first public flight at the Zhuhai Air Show, its manufacturer announced Monday, as Beijing flexes its long-range military muscles.
Published 01 Nov, 2016 12:00am
'Need to avoid any political rift for better economy'

'Need to avoid any political rift for better economy'

President of Multan Chamber of Commerce and Industry (MCCI), Khawaja Jalaluddin Roomi said in a statement that country cannot afford any political rift and all segments of society in general and politicians in particular should play their role to improve
Published 01 Nov, 2016 12:00am
Institute shut down for mismanagement

Institute shut down for mismanagement

Higher Education Commission (HEC) on Monday announced to close the Global Institute Lahore due to serious irregularities and mismanagement in the academic operations of the institution. According to an official of the HEC, the parents and students are str
Published 01 Nov, 2016 12:00am
Four terrorists arrested in Sargodha

Four terrorists arrested in Sargodha

The Counter Terrorism Department (CTD) in the wee hours of Monday apprehended four terrorists during an operation in Sargodha. According to the CTD, on a tip off the presence of terrorists, the CTD carried out a raid at a house in Umer Park near Sargodha'
Published 01 Nov, 2016 12:00am
Imran 'responds' to crackdown with 50 push-ups

Imran 'responds' to crackdown with 50 push-ups

As the government is using every trick in the book to keep this man within what they say the ambit of law in order to fail his November 02 Islamabad lockdown, but he responded through 50 pushups. It was no other than chairman Pakistan Tehreek-e-Insaf (PTI
Published 01 Nov, 2016 12:00am
Wind farm: ADB approves $75 million loan

Wind farm: ADB approves $75 million loan

The Asian Development Bank (ADB) has approved a $75 million loan with Triconboston Consulting Corporation (TBCC) to support the development of the largest wind farm in Pakistan. The deal is ADB's third wind energy investment in Pakistan's burgeoning indep
Published 01 Nov, 2016 12:00am
Cooperation on COP21 subject: France ambassador praises Pakistan

Cooperation on COP21 subject: France ambassador praises Pakistan

Martine Dorance, Ambassador of France to Pakistan hosted on Monday 31 October a reception to mark the handover of the French Presidency of COP21 to the Moroccan Presidency of COP22, from the Paris Climate Change Conference to the upcoming Marrakesh one wh
Published 01 Nov, 2016 12:00am
PBA elects office-bearers for 2016-17

PBA elects office-bearers for 2016-17

Pakistan Broadcasters Association (PBA) held its Annual General Meeting on October 31, 2016 (today). Majority of members from TV and radio category were present at the meeting. The following radio members were elected on the Board of directors unopposed:
Published 01 Nov, 2016 12:00am
Rs 11 billion increase in October collection

Rs 11 billion increase in October collection

The Federal Board of Revenue (FBR) has provisionally collected Rs 235 billion in October 2016 against Rs 224 billion in corresponding period of last fiscal, showing an increase of Rs 11 billion. Sources said that the collection would increase on compilati
Published 01 Nov, 2016 12:00am
Petrol prices remain unchanged

Petrol prices remain unchanged

The government on Monday kept oil prices unchanged for November 2016, owing to ongoing political situation in the country. The Oil and Gas Regulatory Authority (Ogra) had recommended increase in oil prices by 2.8 to 15.6 percent for November.
Published 01 Nov, 2016 12:00am
Conjoined twins successfully separated in Lahore hospital

Conjoined twins successfully separated in Lahore hospital

In a surgery lasting more than 7 hours, a Lahore hospital's medical team has separated twin kids who were joined at the abdomen. The boys, Ibrahim and Ismail, were separated during the complicated surgery on Monday morning at Lahore Children s Hospital, b
Published 01 Nov, 2016 12:00am
CM condoles death of Mufti Hameed

CM condoles death of Mufti Hameed

Chief Minister Punjab Shahbaz Sharif has expressed deep sorrow and grief over the death of former president Jamia Ashrafia, Maulana Mufti Hameed Ullah Jan, on Monday. In a condolence message, the chief minister paid tributes to the religious services of M
Published 01 Nov, 2016 12:00am
Ministry earns NA body's ire for steep fall in rice exports to Iran

Ministry earns NA body's ire for steep fall in rice exports to Iran

The Ministry of Commerce on Monday earned the ire of a parliamentary panel over decline of rice export to Iran during last five years, saying the ministry failed to handle the issue properly as the export came down to, $3.479 million in 2015 from $124.768
Published 01 Nov, 2016 12:00am
Services remembered: Rabbani, Sadiq condole death of Qamaruz Zaman

Services remembered: Rabbani, Sadiq condole death of Qamaruz Zaman

Chairman Senate Raza Rabbani and Speaker National Assembly Sardar Ayaz Sadiq visited the residence of MNA Syed Naveed Qamar here on Monday to offer condolences on the demise of his father and veteran politician Syed Qamaruz Zaman Shah.
Published 01 Nov, 2016 12:00am
Supreme Court stays execution of mentally ill man

Supreme Court stays execution of mentally ill man

Supreme Court on Monday issued a last minute reprieve to a mentally ill man set to face the gallows this week, after his lawyers challenged the ruling using the last legal manoeuvre available to them.
Published 01 Nov, 2016 12:00am
HC opens Lahore Literary Festival in London

HC opens Lahore Literary Festival in London

Pakistan High Commissioner to the United Kingdom (UK), Syed Ibne Abbas, opened the first edition of the Lahore Literary Festival (LLF) in London at the BP Lecture Theatre of the British Museum.
Published 01 Nov, 2016 12:00am
The Weather

The Weather

The weather report on Monday (October 31, 2016) and the forecast for Tuesday (November 01, 2016).

Published 01 Nov, 2016 12:00am
Gandapur booked for possessing 'illegal' fire arms, liquor

Gandapur booked for possessing 'illegal' fire arms, liquor

Police on Monday registered a First Information Report (FIR) against KP's Revenue Minister Ali Amin Gandapur over having illegal weapons and liquor in possession. It should be noted that Gandapur's car was stopped and searched at a check post at the Rukhs
Published 01 Nov, 2016 12:00am
Bullion Rates

Bullion Rates

Gold and silver rates in rupees per 10 grams prevailing in major cities on Monday (October 31, 2016).

Published 01 Nov, 2016 12:00am
Bullion Rates

Bullion Rates

Gold and silver rates in rupees per 10 grams prevailing in major cities on Monday (October 31, 2016).

Published 01 Nov, 2016 12:00am
CEIF-IBA launches course on AAOIFI Shariah Standards

CEIF-IBA launches course on AAOIFI Shariah Standards

IBA Centre for Excellence in Islamic Finance (CEIF-IBA) in collaboration with Dubai Islamic Bank Pakistan Limited has launched a six-month intensive course on the AAOIFI Shariah Standards.
Published 01 Nov, 2016 12:00am
LME official prices

LME official prices

The following were Friday official prices.

Published 01 Nov, 2016 12:00am
ITR filing: Dar urged to extend deadline till November 30

ITR filing: Dar urged to extend deadline till November 30

Senior Vice President of Federation of Pakistan Chambers of Commerce & Industry (FPCCI), Sheikh Khalid Tawab has urged the Federal Finance Minister Senator Ishaq Dar and Chairman Federal Board of Revenue (FBR) Nisar Muhammad Khan to extend the deadline fo
Published 01 Nov, 2016 12:00am
LME official prices

LME official prices

The following were Friday official prices.

Published 01 Nov, 2016 12:00am
Rizvi elected SCBA President

Rizvi elected SCBA President

Hamid Khan-led Professional group's candidate Rashid A. Rizvi was elected as President, Supreme Court Bar Association (SCBA), for the year 2016-17. Rizvi defeated Asma Jahangir group's candidate Farooq H. Naek. Rizvi secured 1289 votes against 1060 bagged
Published 01 Nov, 2016 12:00am
Cotton Spot Rates

Cotton Spot Rates

Official KCA spot rates for local dealings in Pakistan rupees on Monday (October 31, 2016).

Published 01 Nov, 2016 12:00am
Rizvi elected SCBA President

Rizvi elected SCBA President

Hamid Khan-led Professional group's candidate Rashid A. Rizvi was elected as President, Supreme Court Bar Association (SCBA), for the year 2016-17. Rizvi defeated Asma Jahangir group's candidate Farooq H. Naek. Rizvi secured 1289 votes against 1060 bagged
Published 01 Nov, 2016 12:00am
Rs 25 billion refunds to be transferred online in seven days: Dar

Rs 25 billion refunds to be transferred online in seven days: Dar

Finance Minister Ishaq Dar announced that pending refund up till June 2016 of the entire export sector - Rs 25 billion - would be transferred online to exporters'' accounts in next seven days. Speaking at a press conference here on Monday at Punjab House
Published 01 Nov, 2016 12:00am
Rs 25 billion refunds to be transferred online in seven days: Dar

Rs 25 billion refunds to be transferred online in seven days: Dar

Finance Minister Ishaq Dar announced that pending refund up till June 2016 of the entire export sector - Rs 25 billion - would be transferred online to exporters' accounts in next seven days. Speaking at a press conference here on Monday at Punjab House r
Published 01 Nov, 2016 12:00am
Rs 25 billion refunds to be transferred online in seven days: Dar

Rs 25 billion refunds to be transferred online in seven days: Dar

Finance Minister Ishaq Dar announced that pending refund up till June 2016 of the entire export sector - Rs 25 billion - would be transferred online to exporters' accounts in next seven days. Speaking at a press conference here on Monday at Punjab House r
Published 01 Nov, 2016 12:00am
IHC asks PTI to stage protest at designated place

IHC asks PTI to stage protest at designated place

The Islamabad High Court on Monday ruled that Imran Khan can exercise his right to protest at a designated place - Democracy Park and Speech Corner' - of Islamabad but that too will be subject to permission by Islamabad Capital Territory (ICT) administrat
Published 01 Nov, 2016 12:00am
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