Layer3.news

nostr:nevent1qvzqqqqqqypzpweas85a4pz5edqsy2ys2skh5fr72u8jy3azupevw83z8ja26fv6qyd8wumn8ghj7ctjw35kxmr9wvhxcctev4erxtnwv4mhxqpq96jhrzrpfq2kmg92e6d6fkt67x0tre876qjstvga0tn98922nynsxvk6pr

SHELBY KNOCKS OFF BYE-WEEK RUST, CRUISES TO PLAYOFF FOOTBALL WIN OVER ORRVILLE

https://media.zenfs.com/en/mansfield-news-journal/cb8ce3158c7849ad2328aad4abd7f221

✍️ The Shelby Whippets defeated Orrville 42-0 in a Division IV Region 14 quarterfinal matchup, moving on to their third straight regional semifinal appearance.

👉 Shelby led just 3-0 after the first quarter 👉 The Whippets had seven penalties for 60 yards in the first half 👉 The defense shut out Orrville and allowed just 61 yards of total offense 👉 The offense scored four touchdowns and racked up 351 yards of total offense 👉 Brayden DeVito completed 15-of-19 passes for 283 yards and four touchdowns

-- #RobMahaney #TravisSlone #BradyBowman #MichaelShepherd #BraydenDeVito #LukeBlevins #GriffinYeager #CarterKessler #ParkerCarmichael #Shelby #Orrville #LimaBath #sports

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Rob Mahaney Travis Slone Brady Bowman Michael Shepherd Brayden DeVito Luke Blevins Griffin Yeager Carter Kessler

11/8/2025

npub16aclsgr…e4qqu6

US FARMERS ARE BEING SQUEEZED - AND IT'S TESTING THEIR DEEP LOYALTY TO TRUMP

https://ichef.bbci.co.uk/news/1024/branded_news/bf9d/live/15f3c0e0-8fc9-11f0-9cf6-cbf3e73ce2b9.jpg

✍️ American farmers are struggling due to the trade war with China, but many remain loyal to President Trump, citing his promise of long-term benefits.

👉 American farmers are struggling due to the trade war with China 👉 Soybean orders from China have declined significantly 👉 Many farmers remain loyal to President Trump, citing his promise of long-term benefits 👉 Farmers are concerned about the long-term damage to their businesses 👉 Analysts warn of a decline in farm income and even bankruptcy for some farmers

-- #TimMaxwell #GilGullickson #ChristopherWolf #JonTester #CalebRagland #SidMiller #MichaelLangemeier #JohnMaxwell #JoanMaxwell #NicholasJacobs #MichaelShepherd #HillaryClinton #DonaldTrump #Moscow,Iowa #SouthDakota #Montana #Texas #Davenport,Iowa #China #politics

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Tim Maxwell Gil Gullickson Christopher Wolf Jon Tester Caleb Ragland Sid Miller Michael Langemeier John Maxwell

9/15/2025

nostr:nevent1qvzqqqqqqypzpweas85a4pz5edqsy2ys2skh5fr72u8jy3azupevw83z8ja26fv6qyd8wumn8ghj7ctjw35kxmr9wvhxcctev4erxtnwv4mhxqpqe2uyh5pmld5ekdkugpsay29w5ycw08v25gkwhtpr5x0tarq5wcysn78ujp

TURNING THE PAGE: WHIPPETS RACE PAST RAMS, LEAVE 2024 BEHIND

https://media.zenfs.com/en/mansfield-news-journal/8246928a0afd63c47cc83192aab4e395

✍️ Shelby Whippets defeated Madison Rams 56-14 in their first football game since last November, with quarterback Brayden DeVito, running back Gavin Baker, and receiver Brady Bowman accounting for multiple touchdowns.

👉 Shelby won 56-14 in their first game since last November's regional semifinals 👉 Quarterback Brayden DeVito threw for 266 yards and four touchdowns 👉 Running back Gavin Baker rushed for 63 yards and two touchdowns 👉 Receiver Brady Bowman caught seven passes for 126 yards and a touchdown 👉 The Whippets' defense recovered a fumble on the first play from scrimmage and held the Rams to 14 points

-- #BraydenDeVito #GavinBaker #BradyBowman #KobiJohnson #RobMahaney #TravisSloane #MichaelShepherd #KalebGordon #BraydonReam #ColtonAdkins #StartekStadium #MadisonTownship #Ohio #sports

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Brayden DeVito Gavin Baker Brady Bowman Kobi Johnson Rob Mahaney Travis Sloane Michael Shepherd Kaleb Gordon

8/23/2025

nostr:nevent1qvzqqqqqqypzqe6z4eqs8a86awpjvnv4ta6zlxnprtyqryxvqpp78vezxxxv0mnpqyd8wumn8ghj7ctjw35kxmr9wvhxcctev4erxtnwv4mhxqpq7pnupesnr8zsqp4mgkp9erxa0r8znhne74a6xv36wv6cq6kjqm4qyh2h47

CAPITAL ONE CLOSES DISCOVER DEAL, AGREES TO $425M PAYOUT

https://s.yimg.com/ny/api/res/1.2/Nmhjy3Nryt..pwJIwD6sAA--/YXBwaWQ9aGlnaGxhbmRlcjt3PTEyMDA7aD02NzU-/https://media.zenfs.com/en/banking_dive_717/f3b4952e3f54c73de39bb0ebe0fa56c1

✍️ Capital One has completed its acquisition of Discover, creating the largest credit card issuer in the US, and has agreed to pay $425 million in restitution to customers who held Capital One 360 Savings accounts.

👉 Capital One has completed its acquisition of Discover 👉 Capital One will gain access to Discover's network 👉 Capital One will boost its assets to around $660 billion 👉 Capital One will pay $425 million in restitution to customers who held Capital One 360 Savings accounts 👉 Capital One will begin implementing a five-year, $265 billion community benefits plan

-- #RichardFairbank #LetitiaJames #DonaldTrump #ElizabethWarren #TomMaheras #MichaelShepherd #JenniferWong #Virginia #NewYork #business

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Richard Fairbank Letitia James Donald Trump Elizabeth Warren Tom Maheras Michael Shepherd Jennifer Wong Virginia

5/20/2025

nostr:nevent1qvzqqqqqqypzqe6z4eqs8a86awpjvnv4ta6zlxnprtyqryxvqpp78vezxxxv0mnpqyd8wumn8ghj7ctjw35kxmr9wvhxcctev4erxtnwv4mhxqpqrdtvx8gn3eqee0lgnytgzz7klaqlkt9xt4g4usn3zcmh2s0ljujsak3c5g

CAPITAL ONE JUST BOUGHT DISCOVER. HERE'S WHAT IT MEANS FOR THEIR CUSTOMERS.

https://s.yimg.com/ny/api/res/1.2/3i53jrSgzrbkicqFpAVvVw--/YXBwaWQ9aGlnaGxhbmRlcjt3PTEyMDA7aD05MDA-/https://media.zenfs.com/en/business_insider_articles_888/3d847aa6f5a3f06ad5c38606b947871d

✍️ Capital One acquires Discover Financial, becoming the sixth-largest US bank by assets, with potential benefits and concerns for customers.

👉 Capital One acquires Discover Financial, becoming the sixth-largest US bank by assets 👉 Potential benefits for customers include increased competition and access to more products 👉 Concerns raised by Democrats about potential for higher fees and reduced rewards for customers 👉 Deal expected to increase competition in payment networks and offer a wider range of products for customers

-- #RichardFairbank #MaxineWaters #ElizabethWarren #MichaelShepherd #US #Delaware #business

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Richard Fairbank Maxine Waters Elizabeth Warren Michael Shepherd US Delaware business mainstream:perspective

nostr:nevent1qvzqqqqqqypzqe6z4eqs8a86awpjvnv4ta6zlxnprtyqryxvqpp78vezxxxv0mnpqyd8wumn8ghj7ctjw35kxmr9wvhxcctev4erxtnwv4mhxqpq69kdwn7ehvcyly9eq39fs0df229s7gzsp9flwncwxfpzppz8fm0sscjue9

CAPITAL ONE CLOSES $35.3BN ACQUISITION OF DISCOVER FINANCIAL SERVICES

https://s.yimg.com/ny/api/res/1.2/9b7yEucsqbh5dDEh8b3.fA--/YXBwaWQ9aGlnaGxhbmRlcjt3PTEyMDA7aD02NzU-/https://media.zenfs.com/en/retail_banker_international_407/f823d6ec1085fbcf90fee67e350e669e

✍️ Capital One Financial has completed its $35.3 billion acquisition of Discover Financial Services, a US-based financial institution.

👉 Capital One has completed its $35.3 billion acquisition of Discover Financial Services 👉 Regulatory approvals were received from the Federal Reserve System, Office of the Comptroller of the Currency, and Delaware State Bank Commissioner 👉 Shareholders from both companies voted in favor of the acquisition 👉 Capital One has increased its board of directors from 12 to 15 members 👉 Discover's credit card products will be maintained under the Discover brand

-- #RichardFairbank #ThomasMaheras #MichaelShepherd #JenniferWong #business

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Richard Fairbank Thomas Maheras Michael Shepherd Jennifer Wong business mainstream:perspective

nostr:nevent1qvzqqqqqqypzqe6z4eqs8a86awpjvnv4ta6zlxnprtyqryxvqpp78vezxxxv0mnpqyd8wumn8ghj7ctjw35kxmr9wvhxcctev4erxtnwv4mhxqpqy0x4kpcsp5gtnz4ra7t6rrdk39ejkar2cj0yhz5ztcyap5cwslwq9n9tpe

WHY DISCOVER FINANCIAL SERVICES WAS RACING HIGHER THIS WEEK

https://s.yimg.com/ny/api/res/1.2/sC1DAXULw2_6i6Xy9jbz2g--/YXBwaWQ9aGlnaGxhbmRlcjt3PTEyMDA7aD03OTk-/https://media.zenfs.com/en/motleyfool.com/6bf17ce2cefd702cece34f5faa8cd728

✍️ Discover Financial Services' stock surged over 13% after the company reported strong quarterly financials and received regulatory approval for its acquisition by Capital One Financial.

👉 Discover Financial Services reported strong quarterly financials 👉 Total net revenue increased 2% to $4.25 billion 👉 GAAP net income jumped 30% to $1.1 billion 👉 Earnings beat analyst estimates 👉 Stock surged over 13% after earnings report 👉 Acquisition by Capital One Financial received regulatory approval

-- #MichaelShepherd #business

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Michael Shepherd business mainstream:perspective

4/26/2025

npub12gl86km…jhagp2

US BANKING REGULATORS OK CAPITAL ONE, DISCOVER DEAL

https://media.zenfs.com/en/reuters.com/3c5828160bb601ed0367e04c63d96f8f

✍️ The Federal Reserve and Office of the Comptroller of the Currency have approved the merger of Capital One and Discover, creating the eighth-largest bank in the US.

👉 The merger creates the eighth-largest bank in the US 👉 Capital One will gain control of Discover's card payment network 👉 The combination will increase competition in payment networks 👉 The deal is expected to close on May 18, 2025

-- #ChrisPrentice #SaeedAzhar #MichaelShepherd #NewYork #business

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nostr:nevent1qvzqqqqqqypzq53704dkn2v2nsehgyzexn9y92sny3j7t7yewycj0lauss6n99zuqyd8wumn8ghj7ctjw35kxmr9wvhxcctev4erxtnwv4mhxqpq22py3nrss0gfmfq09lyjnenguz30y33u99n670qzwc2sk9tg6mjqe0eakh

Chris Prentice Saeed Azhar Michael Shepherd New York business mainstream:perspective

4/18/2025

nostr:nevent1qvzqqqqqqypzqe6z4eqs8a86awpjvnv4ta6zlxnprtyqryxvqpp78vezxxxv0mnpqyd8wumn8ghj7ctjw35kxmr9wvhxcctev4erxtnwv4mhxqpq5dpq7gu82sslgnne9tu89w8vwvm2pzjxtdcd6x2ruajgxtpvmgwq2zf0fy

DISCOVER CEO MAY REAP $2.4M BONUS

https://s.yimg.com/ny/api/res/1.2/KGWGmrtSAXP.FhsrRbRQCw--/YXBwaWQ9aGlnaGxhbmRlcjt3PTEyMDA7aD02NzU-/https://media.zenfs.com/en/payments_dive_978/b887ab216e075606d361031f3be7b435

✍️ Discover Financial Services' interim CEO, Michael Shepherd, has agreed to remain in his role until June 30, or earlier if the proposed sale to Capital One is completed.

👉 Michael Shepherd will remain as interim CEO of Discover Financial Services until June 30, or earlier if the proposed sale to Capital One is completed. 👉 The proposed sale is worth $35 billion and is pending regulatory approvals. 👉 The deal has faced opposition from consumer advocates and some Democrats. 👉 Shepherd will receive a $2.4 million bonus if the deal is completed by June 30, in addition to his salary and other benefits.

-- #MichaelShepherd #MichaelRhodes #JohnB.Owen #RogerHochschild #DonaldTrump #JoeBiden #Riverwoods,Illinois #Delaware #business

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Michael Shepherd Michael Rhodes John B. Owen Roger Hochschild Donald Trump Joe Biden Riverwoods, Illinois Delaware

4/1/2025

Layer3.news

AI by layer3.news

Filtering by: Michael Shepherd · clear filter

nostr:nevent1qvzqqqqqqypzpweas85a4pz5edqsy2ys2skh5fr72u8jy3azupevw83z8ja26fv6qyd8wumn8ghj7ctjw35kxmr9wvhxcctev4erxtnwv4mhxqpqmljrs3zx60xyzvcexheqqm5vdyrt89gva3zllefctll5q0amhfns4n697v

'PURE ELATION' SHELBY HEADING TO FIRST STATE CHAMPIONSHIP FOOTBALL GAME

https://media.zenfs.com/en/mansfield-news-journal/7dc417bd103f4b3fe60c0b751d41c396

✍️ Shelby Whippets defeat Cincinnati Indian Hill 42-7 in the Division VI state semifinal game, advancing to their first state championship game in program history.

-- #RobMahaney #BraydenDevito #TravisSlone #CarterKessler #GavinMiller #BradyBowman #HunterOney #KylerWilliams #MichaelShepherd #SidneyMemorialStadium #Canton'sTomBensonHallofFameStadium #sports

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Rob Mahaney Brayden Devito Travis Slone Carter Kessler Gavin Miller Brady Bowman Hunter Oney Kyler Williams

11/29/2025

npub12qj8ax6…gyu4n7

HOSPITALS AND CLINICS ARE SHUTTING DOWN DUE TO TRUMP’S HEALTHCARE CUTS. HERE’S WHERE

https://i.guim.co.uk/img/media/2b2b76bc6295e5839a776caebcecfaa0a08ff593/275_0_2750_2200/master/2750.jpg?width=140&quality=85&auto=format&fit=max&s=f8366fa71fe0f62b2b07ce133c71de6f

✍️ Healthcare providers across the US have closed clinics and hospital wards due to the One Big Beautiful Bill Act, which is expected to lead to 10 million people losing their health insurance.

-- #DonaldTrump #MichaelShepherd #TammyFrye #HeatherCurran #Georgia #Kansas #Maine #Nebraska #NewYork #Oregon #Virginia #Washington #health

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nostr:nevent1qvzqqqqqqypzq5py06d5gfc4c6e9sre7zm8jhaa6ck7gzy7hnsgg3jenwh7v9dsxqyd8wumn8ghj7ctjw35kxmr9wvhxcctev4erxtnwv4mhxqpqh393k3xn20609ylwm943a3gsxfsh7pugslf5cnkkwu2x9afz7dlspuhqvw

Donald Trump Michael Shepherd Tammy Frye Heather Curran Georgia Kansas Maine Nebraska

11/20/2025

nostr:nevent1qvzqqqqqqypzpweas85a4pz5edqsy2ys2skh5fr72u8jy3azupevw83z8ja26fv6qyd8wumn8ghj7ctjw35kxmr9wvhxcctev4erxtnwv4mhxqpq96jhrzrpfq2kmg92e6d6fkt67x0tre876qjstvga0tn98922nynsxvk6pr

SHELBY KNOCKS OFF BYE-WEEK RUST, CRUISES TO PLAYOFF FOOTBALL WIN OVER ORRVILLE

https://media.zenfs.com/en/mansfield-news-journal/cb8ce3158c7849ad2328aad4abd7f221

✍️ The Shelby Whippets defeated Orrville 42-0 in a Division IV Region 14 quarterfinal matchup, moving on to their third straight regional semifinal appearance.

-- #RobMahaney #TravisSlone #BradyBowman #MichaelShepherd #BraydenDeVito #LukeBlevins #GriffinYeager #CarterKessler #ParkerCarmichael #Shelby #Orrville #LimaBath #sports

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Rob Mahaney Travis Slone Brady Bowman Michael Shepherd Brayden DeVito Luke Blevins Griffin Yeager Carter Kessler

11/8/2025

npub16aclsgr…e4qqu6

US FARMERS ARE BEING SQUEEZED - AND IT'S TESTING THEIR DEEP LOYALTY TO TRUMP

https://ichef.bbci.co.uk/news/1024/branded_news/bf9d/live/15f3c0e0-8fc9-11f0-9cf6-cbf3e73ce2b9.jpg

✍️ American farmers are struggling due to the trade war with China, but many remain loyal to President Trump, citing his promise of long-term benefits.

-- #TimMaxwell #GilGullickson #ChristopherWolf #JonTester #CalebRagland #SidMiller #MichaelLangemeier #JohnMaxwell #JoanMaxwell #NicholasJacobs #MichaelShepherd #HillaryClinton #DonaldTrump #Moscow,Iowa #SouthDakota #Montana #Texas #Davenport,Iowa #China #politics

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nostr:nevent1qvzqqqqqqypzp4m3lqsxjl03ky2syp6znfc99j37fg6z02739mntxc7rq0wcd49mqyd8wumn8ghj7ctjw35kxmr9wvhxcctev4erxtnwv4mhxqpqn89js733nferytt8g4ypxks0ucgeqmx4xz5h2xxaph8n29hkknkqfs7gsh

Tim Maxwell Gil Gullickson Christopher Wolf Jon Tester Caleb Ragland Sid Miller Michael Langemeier John Maxwell

9/15/2025

nostr:nevent1qvzqqqqqqypzpweas85a4pz5edqsy2ys2skh5fr72u8jy3azupevw83z8ja26fv6qyd8wumn8ghj7ctjw35kxmr9wvhxcctev4erxtnwv4mhxqpqe2uyh5pmld5ekdkugpsay29w5ycw08v25gkwhtpr5x0tarq5wcysn78ujp

TURNING THE PAGE: WHIPPETS RACE PAST RAMS, LEAVE 2024 BEHIND

https://media.zenfs.com/en/mansfield-news-journal/8246928a0afd63c47cc83192aab4e395

✍️ Shelby Whippets defeated Madison Rams 56-14 in their first football game since last November, with quarterback Brayden DeVito, running back Gavin Baker, and receiver Brady Bowman accounting for multiple touchdowns.

-- #BraydenDeVito #GavinBaker #BradyBowman #KobiJohnson #RobMahaney #TravisSloane #MichaelShepherd #KalebGordon #BraydonReam #ColtonAdkins #StartekStadium #MadisonTownship #Ohio #sports

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Brayden DeVito Gavin Baker Brady Bowman Kobi Johnson Rob Mahaney Travis Sloane Michael Shepherd Kaleb Gordon

8/23/2025

nostr:nevent1qvzqqqqqqypzqe6z4eqs8a86awpjvnv4ta6zlxnprtyqryxvqpp78vezxxxv0mnpqyd8wumn8ghj7ctjw35kxmr9wvhxcctev4erxtnwv4mhxqpq7pnupesnr8zsqp4mgkp9erxa0r8znhne74a6xv36wv6cq6kjqm4qyh2h47

CAPITAL ONE CLOSES DISCOVER DEAL, AGREES TO $425M PAYOUT

https://s.yimg.com/ny/api/res/1.2/Nmhjy3Nryt..pwJIwD6sAA--/YXBwaWQ9aGlnaGxhbmRlcjt3PTEyMDA7aD02NzU-/https://media.zenfs.com/en/banking_dive_717/f3b4952e3f54c73de39bb0ebe0fa56c1

✍️ Capital One has completed its acquisition of Discover, creating the largest credit card issuer in the US, and has agreed to pay $425 million in restitution to customers who held Capital One 360 Savings accounts.

-- #RichardFairbank #LetitiaJames #DonaldTrump #ElizabethWarren #TomMaheras #MichaelShepherd #JenniferWong #Virginia #NewYork #business

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Richard Fairbank Letitia James Donald Trump Elizabeth Warren Tom Maheras Michael Shepherd Jennifer Wong Virginia

5/20/2025

nostr:nevent1qvzqqqqqqypzqe6z4eqs8a86awpjvnv4ta6zlxnprtyqryxvqpp78vezxxxv0mnpqyd8wumn8ghj7ctjw35kxmr9wvhxcctev4erxtnwv4mhxqpqrdtvx8gn3eqee0lgnytgzz7klaqlkt9xt4g4usn3zcmh2s0ljujsak3c5g

CAPITAL ONE JUST BOUGHT DISCOVER. HERE'S WHAT IT MEANS FOR THEIR CUSTOMERS.

https://s.yimg.com/ny/api/res/1.2/3i53jrSgzrbkicqFpAVvVw--/YXBwaWQ9aGlnaGxhbmRlcjt3PTEyMDA7aD05MDA-/https://media.zenfs.com/en/business_insider_articles_888/3d847aa6f5a3f06ad5c38606b947871d

✍️ Capital One acquires Discover Financial, becoming the sixth-largest US bank by assets, with potential benefits and concerns for customers.

-- #RichardFairbank #MaxineWaters #ElizabethWarren #MichaelShepherd #US #Delaware #business

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Richard Fairbank Maxine Waters Elizabeth Warren Michael Shepherd US Delaware business mainstream:perspective

nostr:nevent1qvzqqqqqqypzqe6z4eqs8a86awpjvnv4ta6zlxnprtyqryxvqpp78vezxxxv0mnpqyd8wumn8ghj7ctjw35kxmr9wvhxcctev4erxtnwv4mhxqpq69kdwn7ehvcyly9eq39fs0df229s7gzsp9flwncwxfpzppz8fm0sscjue9

CAPITAL ONE CLOSES $35.3BN ACQUISITION OF DISCOVER FINANCIAL SERVICES

https://s.yimg.com/ny/api/res/1.2/9b7yEucsqbh5dDEh8b3.fA--/YXBwaWQ9aGlnaGxhbmRlcjt3PTEyMDA7aD02NzU-/https://media.zenfs.com/en/retail_banker_international_407/f823d6ec1085fbcf90fee67e350e669e

✍️ Capital One Financial has completed its $35.3 billion acquisition of Discover Financial Services, a US-based financial institution.

-- #RichardFairbank #ThomasMaheras #MichaelShepherd #JenniferWong #business

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Richard Fairbank Thomas Maheras Michael Shepherd Jennifer Wong business mainstream:perspective

nostr:nevent1qvzqqqqqqypzqe6z4eqs8a86awpjvnv4ta6zlxnprtyqryxvqpp78vezxxxv0mnpqyd8wumn8ghj7ctjw35kxmr9wvhxcctev4erxtnwv4mhxqpqy0x4kpcsp5gtnz4ra7t6rrdk39ejkar2cj0yhz5ztcyap5cwslwq9n9tpe

WHY DISCOVER FINANCIAL SERVICES WAS RACING HIGHER THIS WEEK

https://s.yimg.com/ny/api/res/1.2/sC1DAXULw2_6i6Xy9jbz2g--/YXBwaWQ9aGlnaGxhbmRlcjt3PTEyMDA7aD03OTk-/https://media.zenfs.com/en/motleyfool.com/6bf17ce2cefd702cece34f5faa8cd728

✍️ Discover Financial Services' stock surged over 13% after the company reported strong quarterly financials and received regulatory approval for its acquisition by Capital One Financial.

-- #MichaelShepherd #business

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Michael Shepherd business mainstream:perspective

4/26/2025

npub12gl86km…jhagp2

US BANKING REGULATORS OK CAPITAL ONE, DISCOVER DEAL

https://media.zenfs.com/en/reuters.com/3c5828160bb601ed0367e04c63d96f8f

✍️ The Federal Reserve and Office of the Comptroller of the Currency have approved the merger of Capital One and Discover, creating the eighth-largest bank in the US.

-- #ChrisPrentice #SaeedAzhar #MichaelShepherd #NewYork #business

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nostr:nevent1qvzqqqqqqypzq53704dkn2v2nsehgyzexn9y92sny3j7t7yewycj0lauss6n99zuqyd8wumn8ghj7ctjw35kxmr9wvhxcctev4erxtnwv4mhxqpq22py3nrss0gfmfq09lyjnenguz30y33u99n670qzwc2sk9tg6mjqe0eakh

Chris Prentice Saeed Azhar Michael Shepherd New York business mainstream:perspective

4/18/2025