‘Not Our Employee’: HDFC Bank On Viral Audio Of Woman Abusing CRPF Jawan For Loan Recovery

**Mumbai: HDFC Bank Issues Clarification After Viral Audio of Woman Abusing CRPF Jawan Sparks Outrage**

A viral audio clip featuring a woman allegedly abusing a CRPF jawan during a loan-related phone call has triggered widespread outrage on social media. In response, HDFC Bank issued a clarification on Friday, stating that the woman heard in the recording was wrongly identified as one of its employees. The bank emphasized that such behavior is unacceptable and does not represent its values.

### Controversy Over Viral Audio Clip

The controversy began when the audio clip circulated widely online, with several users claiming that the woman, identified as a banker, worked for HDFC Bank. In the recording, the woman can be heard mocking the soldier’s profession and using abusive language during what appeared to be a dispute over loan disbursement.

### HDFC Bank Responds

HDFC Bank quickly addressed the situation with a public statement posted on X, saying:
*”This is with reference to an audio clip circulating on social and online media, where a lady is heard speaking disrespectfully to a CRPF personnel. Multiple posts have incorrectly identified her as an employee of HDFC Bank. We would like to clarify that this individual is not an employee of HDFC Bank. The conduct heard in the clip is neither acceptable nor does it reflect our values as an organisation.”*

### Details From the Viral Audio

The audio revealed deeply derogatory remarks directed at the CRPF jawan. The woman allegedly insulted the soldier by calling him “uneducated” and mocking his service. She further claimed that his financial struggles were a reflection of his poor background. At one point, she reportedly said, *“You are uneducated, that’s why you have been sent to the border. That’s why your children are born disabled.”*

She also belittled the jawan for living on loans, derided his service to the nation, and provocatively dared him to take any action against her, boasting about her own links to an Armed Forces family.

### Public Reaction and Next Steps

The harsh language sparked sharp criticism from netizens, who demanded strict action against the woman and called on the bank to clarify the situation. While the identity of the soldier has not been disclosed, authorities are investigating the origin of the call and whether the woman is affiliated with any financial institution.

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https://www.freepressjournal.in/mumbai/not-our-employee-hdfc-bank-on-viral-audio-of-woman-abusing-crpf-jawan-for-loan-recovery

Tamaraws, Eagles take first step in road to redemption

Far Eastern University and Ateneo will square off to usher in the start of the UAAP Season 88 men’s basketball tournament on Saturday.

One team is hoping to shrug off the massive loss of its star player, while the other aims to bounce back from a rare absence in the Final Four.

Their highly anticipated game is set to kick off the season with excitement and determination from both sides.
https://sports.inquirer.net/640870/tamaraws-eagles-take-first-step-in-road-to-redemption

International treaty protecting world’s oceans to take effect

**Multinational Treaty to Protect Vast Expanses of the World’s Oceans Set to Become Law in January 2026**

*United Nations* — A groundbreaking multinational treaty aimed at protecting vast expanses of the world’s oceans is finally set to become law in January 2026. Environmentalists hailed the announcement made this Friday as a crucial step toward safeguarding fragile marine ecosystems.

The move by Morocco and Sierra Leone to join the UN treaty on the high seas pushed the number of ratifications past the required threshold of 60, enabling the treaty to be enacted as international law.

### Protecting Valuable, Fragile Marine Areas

The treaty seeks to protect biodiverse areas in international waters—those beyond countries’ exclusive economic zones. These high seas, covering more than two-thirds of the ocean, are teeming with plant and animal life vital to the planet’s health.

Conservationists emphasize the oceans’ critical role in creating half of the globe’s oxygen supply and combating climate change by absorbing a significant portion of carbon dioxide emissions produced by human activities.

Despite their importance, these waters face multiple threats, including pollution, overfishing, and the emerging challenges posed by deep-sea mining. This new industry is exploring previously untouched seabeds for valuable minerals such as nickel, cobalt, and copper.

### Binding Rules to Conserve Marine Biodiversity

United Nations Secretary-General António Guterres stated, “Covering more than two-thirds of the ocean, the agreement sets binding rules to conserve and sustainably use marine biodiversity.”

Currently, only about one percent of high seas waters have legal protections. The new treaty aims to change that by establishing comprehensive safeguards for roughly 60 percent of the world’s oceans that lie outside any national jurisdiction.

The treaty is expected to take effect in 120 days. However, Lisa Speer, director of the International Oceans Program at the US-based Natural Resources Defense Council, noted that it may take until late 2028 or 2029 before the first marine protected areas are officially established.

### Coordinated Global Efforts and Ongoing Challenges

Once the treaty is in force, a dedicated decision-making body will collaborate with existing regional and global organizations that oversee various ocean activities. These include regional fisheries bodies and the International Seabed Authority—a key forum where nations are negotiating rules for the deep-sea mining industry.

While no commercial mining licenses have yet been issued for high seas waters, some countries have begun or are preparing to explore mineral resources within their own exclusive economic zones.

The treaty also introduces principles for sharing the benefits derived from marine genetic resources collected in international waters. This issue had been a major sticking point during years of complex negotiations.

Developing countries, which often lack funding for research expeditions, advocated strongly for fair benefit-sharing to avoid being sidelined in what is considered a lucrative future market, particularly for pharmaceutical and cosmetic industries.

### Toward Global Ratification

As of mid-September, 143 countries had joined the treaty. Ocean conservationists are now urging more nations to ratify it to ensure the treaty’s effectiveness.

Rebecca Hubbard, head of the High Seas Alliance coalition, stressed, “It’s really important that we move towards global or universal ratification for the treaty to be as effective as possible.” She encouraged small island states, developing countries, and even landlocked nations to participate.

### Potential Obstacles

Ratification efforts may face resistance from major maritime and industrial powers. For instance, Russia has neither signed nor ratified the treaty, citing objections to certain provisions. Meanwhile, the United States signed the treaty under President Joe Biden, but it remains unlikely that the administration under former President Donald Trump would seek to ratify it.

### Conclusion

The enactment of this treaty marks a significant leap toward the sustainable and equitable management of the world’s oceans. Protecting the high seas is essential not only for marine biodiversity but also for the health and well-being of the global community.

*Follow us on social media for more updates on environmental news and ocean conservation.*
https://timesofindia.indiatimes.com/home/environment/international-treaty-protecting-worlds-oceans-to-take-effect/articleshow/124009294.cms

We have EdTech, but is it the right one?

To prepare for the future, investing in human capital is key, and early childhood education (ECE) can offer the highest returns. Betting on this, non-profits across India are decentralising education using technology and innovation.

Indian children born today will enter the workforce as young adults by 2047. By that time, India will have largely won the battle for universal school enrolment. The challenge that beckons next is universal school learning—imparting high-quality education that creates opportunity for all and provides the human capital needed for a developed India by 2047.

Economics Nobel Laureate James Heckman’s work on human capital emphasises the high return on investment in early childhood education. Early interventions enhance cognitive and non-cognitive skills critical to long-term success. The well-known Heckman Curve shows that, across all stages of education, the highest economic returns come from the earliest investments in children.

To raise the collective intelligence of the nation, there is a strong case for investing heavily in ECE by increasing its share of the Samagra Shiksha budget to 5% (up from around 2% currently).

### Leveraging Technology to Scale Quality Education

The ubiquity of smartphones in India today offers a never-before-seen opportunity to rapidly scale high-quality educational inputs to children across the country, regardless of their socio-economic status. A recent survey reported smartphone ownership of 1.5 per household in urban India and 1.3 in rural India.

This simple idea holds great power, and educational non-profits have begun work precisely on this front, with efforts that are only set to expand.

For instance, Rocket Learning, a non-profit launched in 2020, has developed interactive and highly engaging educational content delivered over WhatsApp to teachers, parents, and children. Every day, micro-WhatsApp groups send low-income teachers and parents contextualised content in the local language. This content can be used for play-based activities with children in classrooms or at home.

These activities take less than 20 minutes and involve readily available materials. Research shows that greater parental involvement in children’s education leads to improved academic performance. Rocket Learning reinforces this sense of participation by encouraging parents and educators to share images and videos back to the WhatsApp groups, creating a shared learning community.

Chimple is another example—an Android app developed in India that uses games to instil foundational literacy and numeracy through a teacher-directed, at-home learning model. Using the app, teachers can remotely assign content for children to practise based on the week’s teaching plan.

In a pilot study involving Class 1 and 2 students in Haryana, the treatment group saw a 50% improvement in test scores over the year with just 10 minutes of daily Chimple usage. Similar improvements were recorded in English, with low-performing learners benefiting even more.

### The Emerging Role of Generative AI in Education

As students advance to higher grades, new learning opportunities can be reinforced by generative AI, a powerful tool for Personalised Adaptive Learning (PAL).

Conventional classrooms often offer rigid, one-size-fits-all approaches. PAL, however, allows students to learn at their own pace and in their own space, making engaging, immersive, and interactive learning accessible, even in the remotest locales.

Children from elite backgrounds have an edge due to access to individual high-quality coaches who quickly resolve their problems. PAL can universalise such access.

Educational non-profit Central Square Foundation (CSF) is working with Khan Academy to contextualise Khanmigo—India’s AI-powered personal tutor designed for low-income contexts. State governments are beginning to integrate PAL into their school systems. Andhra Pradesh, for example, has pioneered PAL as part of its World Bank-aided Supporting Andhra’s Learning Transformation (SALT) programme.

The use of PAL to bridge educational divides will only grow in the future.

### Broad AI Applications Beyond PAL

PAL is not the only AI use case in education. AI can generate learning content itself—scripts, rhymes, worksheets, and illustrations created using large language models (LLMs) save time and boost creativity.

AI can translate and dub across languages, simplify animation, and personalise audio with voice cloning. It can also drive data analysis by using incoming messages to draw nuanced insights into the effectiveness of specific educational programmes.

CSF has partnered to build an AI-powered Teacher Coach for government school teachers that provides actionable feedback and identifies effective levers for measurable improvement in classroom practice.

AI tools also reduce teachers’ workloads by grading large volumes of student work rapidly—what once took five minutes can now be done in 20 seconds. They provide nuanced understanding of student performance and actionable insights, enabling teachers to engage more students effectively.

### Ensuring Quality and Inclusiveness in EdTech

India’s EdTech sector is already large and bound to grow further. But it is critical to identify which solutions are relevant, useful, and able to evolve from serving the privileged few to becoming universally enabling.

To evaluate the many available EdTech options, CSF has developed, jointly with IIT Bombay and IIT Delhi, an evaluation index that helps governments and other users make quality-led, evidence-informed choices regarding EdTech procurement—especially for schools serving low-income students.

This index, called **EdTech Tulna**, defines quality standards for good EdTech. It creates exhaustive toolkits and training for decision-makers to apply these standards when evaluating EdTech products and publishes product reviews to drive demand and shape supply.

### Governance and Regulatory Innovations to Elevate Education Quality

Beyond EdTech innovations, governance and regulatory reforms can dramatically uplift quality.

Currently, school regulation is heavily input-focused. The priority must shift towards measuring educational outcomes, which should be reported transparently, publicly, and regularly.

Such transparent data allows parents to choose the best schools for their children and “vote with their feet,” creating pressure to improve quality. It also allows the best schools to emerge as exemplars, whose best practices can be replicated elsewhere.

Countries such as the UK (Office for Standards in Education – Ofsted), Dubai (Knowledge and Human Development Authority – KHDA), and Chile (Sistema de Medición de la Calidad de la Educación – SIMCE) have successfully implemented such transparency models to improve school quality.

India’s National Education Policy (NEP 2020) proposes the creation of a **State School Standards Authority (SSSA)** to set standards and publicise each school’s level based on these standards.

For SSSAs to be effective, they must operate independently of education departments and other government bodies, impartially assessing quality in all schools—public or private. NEP 2020 recommends shifting school regulation from being overly restrictive (especially on private schools) to a “light but tight” approach.

SSSAs should regularly report school quality and make this data publicly accessible.

### Towards a Brighter Educational Future

Every child in India deserves the chance to reach their full potential. With new technologies and enabling reforms, India is well on its way to fulfilling that dream.

*The writer is founder-CEO of The Convergence Foundation and founder chairperson of Central Square Foundation.*

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https://timesofindia.indiatimes.com/india/we-have-edtech-but-is-it-the-right-one/articleshow/124009353.cms

Ethereum Price Forecast For 2026: Could ETH Price Exceed $10,000 in 2026

While institutional money continues to pour into Ethereum and validators queue up in record numbers, the harsh reality remains: network congestion and gas fee volatility could derail ETH’s ambitious $10,000 price prediction by 2026.

However, smart contrarians aren’t dismissing this target entirely. Instead, they’re hedging their bets with Layer Brett’s presale, which has already raised over $3.78 million and is offering an impressive 689% APY.

The post Ethereum Price Forecast For 2026: Could ETH Price Exceed $10,000 in 2026 appeared first on Blockonomi.
https://blockonomi.com/ethereum-price-forecast-for-2026-could-eth-price-exceed-10000-in-2026/

“They don’t have the dudes”: Emmanuel Acho blasts Mike McDaniel for Dolphins’ sorry state of affairs writing off postseason aspirations

Mike McDaniel is under fire once again following the Miami Dolphins’ third consecutive loss this season.

The team’s disappointing performance has raised concerns among fans and analysts alike, putting additional pressure on McDaniel’s leadership.

As the Dolphins struggle to find their footing, questions about coaching strategies and player execution continue to mount.

With the season rapidly progressing, the spotlight remains firmly on McDaniel to turn things around and lead the team to victory.
https://www.sportskeeda.com/nfl/news-they-dudes-emmanuel-acho-blasts-mike-mcdaniel-dolphins-sorry-state-affairs-writing-postseason-aspirations

Constables Trained With Police Band Shall Not Perform Without Their Wish, Says Madhya Pradesh High Court

**Jabalpur High Court Rules Against Sending MP Police Constables for Band Duties Without Consent**

The High Court of Madhya Pradesh has ruled that Constables (General Duty) of the MP Police who have undergone police band training cannot be assigned to perform or play in police band functions without their consent.

This directive came during the hearing of a petition filed by MK Rawat, Pradeep Bhuriya, Ravindra Kushwaha, Prakash Singh, and Rahul Girwal, all posted as Constables (General Duty) in MP Police. Justice Vivek Jain stated, “In view of the position that the petitioners have already undertaken training of police band, it is observed that they shall not be sent for police band duties without their consent.”

The constables had challenged departmental orders requiring them to undergo police band training. While their training on musical instruments was completed, they objected to being deployed to perform in various functions and programmes.

The petitioners relied on a previous High Court order dated February 21, 2024, which had held that police personnel cannot be sent for training or assigned duties related to playing the band without their consent.

According to the petitioners’ counsel, Nityanand Mishra, the constables’ primary responsibilities involve maintaining law and order and investigating offences. Therefore, their consent is essential before being deployed for police band performances during official events.

This ruling safeguards the rights of police personnel by ensuring that their deployment for specialized duties like police band performances is voluntary and not imposed.
https://www.freepressjournal.in/bhopal/constables-trained-with-police-band-shall-not-perform-without-their-wish-says-madhya-pradesh-high-court

2025 F1 Azerbaijan GP: Qualifying Predictions

The first day of running at the F1 Azerbaijan Grand Prix is done and dusted.

Lewis Hamilton topped the standings, delivering a performance that surely brought a smile to his face.

It was an eventful session, setting an exciting tone for the rest of the race weekend. Fans can look forward to more thrilling action as the competition heats up.
https://www.sportskeeda.com/f1/2025-f1-azerbaijan-gp-qualifying-predictions

Right-of-way law seen boosting critical infrastructure projects

  MANILA, Philippines — The new right-of-way law recently signed by President Marcos is expected to accelerate the development of infrastructure projects nationwide. These projects include roads, bridges, energy and water systems, and schools.

Frederick Go, Special Assistant to the President for Investment and Economic Affairs, said the Accelerated and Reformed Right-of-Way Act will hasten the…
https://business.inquirer.net/548029/arrow-law-seen-boosting-critical-infrastructure-projects