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aggressive discounts on its best-selling models. Its best quarter was primarily driven by strong growth in plug-in hybrid sales, which jumped 75.6% on the American Aquarium White Water Tavern November 18 2024 Little Rock, AR Tour T-shirts moreover I will buy this year to 685,830 units in the third quarter, thanks to its latest generation of plug-in hybrid technologies that save more fuel costs for users. By comparison, BYD’s sales growth of pure EVs (rather than hybrids) slowed to 2.7% to 443,426 units in the quarter and it has been losing share in the EV segment to other EV rivals in China, according to Reuters calculations. BYD, which still sells more than 90% of its cars in China, set a higher annual sales target for this year, a Morgan Stanley report showed in September, and aimed to double exports to 450,000 vehicles this year, a downward revision to the annual overseas shipment goal of 500,000 set in March. BYD, which has been leading a push into European markets despite facing additional tariffs, sold 94,477 cars overseas in the third quarter, up 32.6% from the year before.

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New York — Starbucks is bringing back hand-written names in Sharpie on cups and self-serve stations with sugar and cream to try to win back customers. Baristas handwriting customers’ names and messages on their drink orders in marker will make a comeback, new Starbucks CEO Brian Niccol said Wednesday on a quarterly earnings call. It’s part of his strategy to recreate a coffeehouse vibe at Starbucks and add a “human touch.” “The number I heard was something like close to 200,000 Sharpies we’ve got to track down,” Niccol said in an interview with CNBC Wednesday. “Unfortunately, it’s not as simple as just going to the American Aquarium White Water Tavern November 18 2024 Little Rock, AR Tour T-shirts moreover I will buy this Staples and picking up some Sharpies.” Starbucks plans to bring back self-serve condiment stations in stores, too. The company removed them during the beginning of the pandemic in 2020. RELATED ARTICLE Starbucks reveals what an enormous mess its new CEO has to clean up “Our customers are asking for it, and our baristas are saying it would help them” speed up orders, Niccol said on the call. It’s part of a slew of changes Starbucks is making under Niccol, who took over the struggling

company in September. Starbucks on Wednesday reported a third straight quarter of slumping sales and declining customer visits. Starbucks’ global sales at stores open at least a year dropped 7% last quarter, and the American Aquarium White Water Tavern November 18 2024 Little Rock, AR Tour T-shirts moreover I will buy this number of customer transactions fell by 8%. “Our financial results were very disappointing,” Niccol said. “It is clear we need to fundamentally change our strategy to win back customers and return to growth.” No charge for oat milk Starbucks drinks with soy, oat, almond or coconut milk won’t cost customers extra anymore. Starting next week, Starbucks customers will no longer pay more for adding non-dairy milk to their orders. The company said the removal of the non-dairy milk surcharge means customers who request it will pay around 10% less than they did previously. Orders with milk substitutions have proliferated at Starbucks in recent years, alongside non-dairy alternatives in grocery stores. In 2021, Starbucks added oat milk to its menu. Non-dairy milk has become the second most common order modification at Starbucks, behind adding a shot of espresso. Starbucks is also scaling back promotional offers through its mobile app to get customers to pay full price for its coffees and teas. Niccol is aiming to reposition Starbucks as a premium brand that stays away from discounts. Although it’s paring back discounts, Niccol said the company did not plan to raise prices next year. Starbucks has hiked prices in recent years, leading some customers to turn away from the chain. Starbucks also said this week that it’s eliminating its controversial olive oil-infused drinks from the menu less than a year after they launched. The lineup of “Oleato” drinks will be eliminated from Starbucks’ menus in the US and Canada beginning in early November, part of Niccol’s plans to reduce a menu that he recently called “overly complex.”

— A lot of people stick with their bank for years. Many, many years. That may be because they’re satisfied with the American Aquarium White Water Tavern November 18 2024 Little Rock, AR Tour T-shirts moreover I will buy this services they get. But in some instances it may be because it’s just too much of a hassle to move their money, especially if they have automated bill payments set up. “Too often, customers stay with a checking account that doesn’t fit their needs because it’s too complicated to switch and risk being charged an overdraft or late fee if they miss a recurring bill,” said Adam Rust, director of financial services at the Consumer Federation of America. A new regulatory rule finalized this month by the Consumer Financial Protection Bureau aims to reduce that hassle and make it easier, more secure and always free for customers to switch accounts or to simply transfer or share their financial data from their banks, credit card issuers and other financial service providers upon request. “Too many Americans are stuck in financial products with lousy rates and service,” said CFPB director Rohit Chopra in a statement. “[The new rule] will give people more power to get better rates and service on bank accounts, credit cards and more.” But the rule, which isn’t scheduled to go into effect until 2026 for large financial institutions and 2030 for smaller ones, is already facing a potential roadblock in

the American Aquarium White Water Tavern November 18 2024 Little Rock, AR Tour T-shirts moreover I will buy this form of a lawsuit filed by banking associations. How the rule would work If you have a checking account, credit card or mobile wallet, there may be times when you want to transfer some of your data — such as transaction history, online bill paying information or any other information needed to facilitate a payment, apply for a loan or set up a new bank account. Currently, you probably have to do some work to get your data transferred from one institution to another or to a personal finance management app or any other fintech service. “The problem the CFPB (rule) is addressing is the paperwork required of consumers to change accounts. … (C)onsumers will want to port their bill-pay directory and their recurring ACH orders, and for the moment, that can only be done manually,” Rust said. “It’s three hours on a Saturday.” Specifically, under the rule according to the CFPB, “consumers will be able to access, or authorize a third party to access, data such as transaction information, account balance information, information needed to initiate payments, upcoming bill information, and basic account verification information. Financial providers must make this information available without charging fees.” The rule will also restrict how third parties may use and retain the data consumers request be shared. It will, for instance, require companies receiving a person’s data to act on behalf of that consumer but only for what the person requests. “That means companies can’t offer you a payment product that uses your data, but then use your data against you by feeding it to a personalized models that ends up charging you more for an airline ticket or other service. That’s not what you were in the market to get,” Chopra said in a speech at the Federal Reserve Bank of Philadelphia. And,

he added, it may make it easier for consumers to get the American Aquarium White Water Tavern November 18 2024 Little Rock, AR Tour T-shirts moreover I will buy this loan products they want without having to rely so heavily on credit scoring. “If a consumer chooses, they could allow mortgage lenders to use data from their checking account on their income and expenses in the underwriting process. This data could help supplement and improve the accuracy of traditional credit histories and help more people obtain credit on better terms. Over the long run, this could reduce the system’s dependence on credit scores,” Chopra explained. Banks push back The banking industry wasted no time in expressing its displeasure with the new rule — known as the personal financial data rights rule. “(I)t is clear that our longstanding concerns about scope, liability and cost remain largely unaddressed. This is disappointing after so many years of good-faith efforts by parties on all sides to improve consumer outcomes,” Rob Nichols president and CEO at the American Bankers Association, said in a statement. It’s possible no institution may be subject to the new rule if a lawsuit filed to block it succeeds. The suit — filed by the Bank Policy Institute, the Kentucky Bankers Association and Kentucky-based Forcht Bank — alleges that the CFPB overstepped its statutory authority and that its rule puts at risk consumer privacy, their financial data and account security — effectively upending what the banks assert is an already “well-functioning ecosystem that is

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