Manila Standard - 2025 November 6 - Thursday

‘Tino’ death toll rises to 92

Most of fatalities in hard-hit Cebu province

By Rex Espiritu, Minerva Newman, Maricel V. Cruz, and Ram Superable

THE death toll from Typhoon “Tino” (Kalmaegi) was reported to have risen to at least 92 individuals, even if the official figure from the National Disaster Risk Reduction and Management Council (NDRRMC) yesterday afternoon stood at only 66 fatalities.

In its latest bulletin, the agency stated it was still in the process of validating the actual number of deaths

Palace calls for review of Cebu flood control projects

MALACANANG has underscored the need to review the implementation of more than 500 flood control projects in Cebu to ensure their effectiveness and the proper use of government funds.

Meanwhile, Bicol Saro party-list Rep. Terry Ridon, chairman of the House Committee on Infrastructure, has urged the Independent Commission for Infrastructure (ICI) to investigate QM Builders, one of the top 15 contractors previously cited by President Marcos in connection with the flood control scandal.

Palace Press Officer Claire Castro said that from 2016 to 2022 alone, at least 343 flood control projects were implemented in the province, with two of them having been “terminated.”

Castro noted that under the Marcos administration, there are 168

Incoming storm ‘Uwan’ a potential super typhoon when it hits PH

By Rio N. Araja and Rex Espiritu

A POTENTIAL super typhoon advances closer to the Philippines even as Typhoon “Tino” exits the country today, the state weather bureau reported yesterday. The incoming storm, which will

be called “Uwan” when it enters the Philippine Area of Responsibility (PAR), is forecast to be at near peak intensity when it makes landfall over Central or Northern Luzon, according to the Philippine Atmospheric, Geophysical and Astronomical Services Administration (PAGASA).

As of 10 a.m. on Wednesday, the tropical depression was located 1,835 km east of northeastern Mindanao.

It was packing winds of 55 kilometers per hour (kph) with up to 70 kph gusts, and was moving eastward at 10 kph. The weather disturbance may enter

to hold 3-day rally at the Luneta from Nov. 16

By Vince Lopez

THE National Parks Development Committee (NPDC) on Wednesday said it is processing the final details of Iglesia ni Cristo’s (INC) use of the Quirino Grandstand and the Burnham Green for its three-day rally.

By Charles Dantes

Meanwhile, Cesar Chavez, chief of staff of Manila Mayor Isko Moreno Domagoso, said the city government is ready to provide perimeter support for the upcoming activity. In a related development, the Philippine National Police (PNP) said the National Capital Region Police Office

(NCRPO) was placed under full alert in light of the INC rally at the Luneta Park on Nov. 16,17 and 18. The NPDC confirmed to Manila Standard that a park permit would be issued upon INC’s compliance with the requirements.

By Vito Barcelo

the PAR late Friday or early Saturday, PAGASA said. Weather conditions in northern Luzon are expected to deteriorate from Sunday. Meanwhile, “Tino” further intensified as it moved over the West

Co ‘deathly afraid’ to go home lawyer

who is

said the

es arising from the multibillion-peso anomalous flood control projects, is ‘deathly afraid’ to return to the country. Lawyer Ruy Rondain said he has advised his client not to return to the country yet to face the allegations

By Maricel V. Cruz

THE lawyer of resigned Ako Bicol Party-list Rep. Zaldy Co on Wednesday

lawmaker,

facing charg

TRAIL OF DESTRUCTION.Typhoon‘Tino’left its destructive imprint on Palawan as it moved out of the country yesterday. In Roxas town, right photo, heavy rains almost submerged houses in barangays Magara andTagumpay.

Top left photo shows residents of barangay Lucbuan being ferried to safety by Marines from waist-deep floods. Search teams, bottom left photo, recovered the bodies of six airmen whose helicopter crashed while on its way to support disaster response operations in Agusan Sur. Upper left photo shows the track of the incoming storm‘Uwan”which is forecast to hit northern Luzon on Sunday.

Fr. RoderickYap Caabay, MBLT-9, Philippine Air Force, PAG-ASA

Inflation unchanged at 1.7%—PSA

HEADLINE inflation in the Philippines remained unchanged at 1.7 percent in October 2025, driven by a slowdown in food inflation from 1.0 percent in September to 0.5 percent, the Philippine Statistics Authority (PSA) reported Wednesday.

The October figure is lower than the 2.3 percent recorded in the same month last year, keeping the 10-month national inflation average at 1.7 percent.

The deceleration in food inflation was led by a slower year-on-year increase in the costs of vegetables, tubers, plantains, cooking bananas and pulses at 16.6, down from 19.4 percent in September. Price increases for meat and other parts of slaughtered land animals also slowed from 6.0 percent to 5.2 percent in October.

Department of Economy, Planning, and Development (DEPDev) Secretary

Arsenio Balisacan said the steady inflation figure reflects the government’s proactive measures in managing supply conditions and shielding families from potential price pressures.

“The steady headline inflation rate shows that our coordinated interventions are helping to maintain adequate supplies and keeping essential goods affordable,” he said.

“We remain vigilant in managing risks from weather disturbances, global market volatility, and other domestic factors that may affect prices in the coming months,” added Balisacan.

and landslides.

Meanwhile, one fatality each was also recorded in Bohol, Capiz, and Leyte, all attributed to falling trees.

recovered from the flooded areas of Liloan, a town that is part of Cebu City’s metro area.

The grim news brought the toll for Cebu to 92, according to the combined tally of the provincial and city government, which still has to be verified by the NDRRMC.

Cebu Governor Pamela Baricuatro convened a meeting with various public utility providers to coordinate the immediate reconnection of essential services—such as electricity, water, and internet—which had been affected in the wake of the recent powerful storm.

She emphasized that bringing power transmission and distribution services back is most crucial, as it is critical for both communication networks and water systems to operate fully.

Most deaths were caused by drowning due to massive flooding

Another death in Leyte was reported due to flooding, the NDRRMC further reported.

Six of the deaths in Agusan del Sur were from the Air Force UH-1 “Huey” helicopter that crashed there Tuesday afternoon.

The typhoon displaced over 102,000 people, equivalent to 32,603 families across the province.

Baricuatro on Tuesday signed Executive Order No. 68, placing the entire province under a state of calamity due to the effects of ‘Tino.’

As of this writing, authorities in the province reported that the internet was 50 percent restored while water was at 40 percent operational capacity.

The National Grid Corporation of the Philippines (NGCP) reported its transmission lines were back at 45 percent as of 8:00 a.m. on Wednesday. As this developed, the Department

The PSA said the major contributors to this October figure include the faster annual increase in housing, water, electricity, gas and other fuel prices, which rose from 2.1 percent to 2.7 percent.

Broken down, electricity prices rose from 1.2 percent to 4.1 percent in October. Water supply costs posted an annual increase of 5.7 percent, up from 5.3 percent in September. Meanwhile, rental inflation remained at a rate of 2.6 percent.

Other contributors include faster price increases for clothing and footwear (1.8 percent), information and communication (0.7 percent), and personal care, and miscellaneous goods and services (2.5 percent).

Core inflation, meanwhile, slowed down to 2.5 percent in October from 2.6 percent in the previous month.

Overall, the inflation outturn fell

of Social Welfare and Development (DSWD) continued to deliver relief assistance to affected communities across the Visayas and Mindanao.

In an interview, Asst. Secretary Irene Dumlao of the DSWD’s Disaster Response Management Group (DRMG) stated that the value of the Department’s total humanitarian assistance has surpassed P69.45 million.

“You know, the DSWD is really preparing for all calamities because we know that we are highly vulnerable to various hazards. [Because of this], we are implementing the Buong Bansa Handa (BBH) program where we have created two parallel supply chains for the government sector-driven [relief efforts], and the second one is the private sector-driven,” she said in Filipino.

Through strategically prepositioned relief items under the BBH program, the Department has distributed over 123,000 family food packs (FFPs) to affected individuals, she added.

For his part, Speaker Faustino Dy III said that House members represent-

within the Bangko Sentral ng Pilipinas’ (BSP) forecast range of 1.4 percent to 2.2 percent for October 2025. Following this, full-year inflation is projected to average below the low end of the target range due to the easing of rice prices in the previous months.

The central bank said inflation expectations remain well-anchored, with possible electricity rate adjustments and rice import tariff increases potentially adding upward price pressures.

“Nonetheless, the risks to the inflation outlook are limited as price pressures are expected to ease amid stabilizing global commodity prices,” the BSP said.

It added the Monetary Board likewise noted that the outlook for domestic economic growth has weakened, citing the impact of public infrastructure spending concerns on business confidence.

ing the affected areas are coordinating with concerned government agencies to provide immediate assistance to those displaced by the typhoon.

“The House as an institution is always ready to provide appropriate funds and support programs that will speed up rehabilitation, recovery of livelihoods, and restoration of damaged facilities... Your representatives will continue to act to ensure that you receive the help and protection necessary to start over,” he said.

Likewise, Senator Francis Escudero urged authorities to maintain stable prices of essential goods and prime commodities in areas devastated by Typhoon Tino.

He emphasized the need for strict enforcement of consumer protection laws to prevent price manipulation during emergencies.

“The damage to homes and businesses caused by severe flooding is immense. Our hope is for the affected communities to recover quickly,” Escudero said. With AFP

Philippine Sea (WPS), the weather bureau also said.

The center of the eye of “Tino” was estimated 330 kilometers east northeast of Pag-asa Island, Kalayaan, Palawan, PAGASA said in its 5 p.m. bulletin yesterday.

“Tino,” which devastated Central Visayas and parts of Mindanao this week, is forecast to reintensify in the next 12 hours and may reach its peak intensity while it moves further across the WPS.

Meanwhile, Defense Secretary Gilberto Teodoro Jr., who is also chairman of the National Disaster Risk Reduction and Management Council (NDRRMC), said that the government is also ramping up preparations for “Uwan,” emphasizing the need to maximize the short window between typhoons.

“We will take advantage of the available time to prepare for ‘Uwan.’ We will provide relief to those in harm’s way. We will also sustain support for those currently in evacuation centers,” he said in Filipino.

said that 27 government contractors, identified through a list provided by the Department of Public Works and Highways (DPWH), were issued show-cause orders to explain their alleged campaign contributions— whether in cash or in-kind.

He said the Comelec will also look into the candidates who allegedly received donations from these contractors. Based on preliminary findings, the list includes six senatorial candidates, five party-list nominees, four district congressional candidates, and three gubernatorial bets.

“These contractors will have to answer two questions: first, if they are indeed government or public works contractors, and second, if they made donations to any candidate,” Garcia said.

“We will compare their answers to the candidates’ Statements of Contributions and Expenditures (SOCE) to verify if the amounts match.”

Under Article 11, Section 95 of the Omnibus Election Code, it is unlawful for individuals or companies holding government contracts to make political donations.

“For those who supposedly benefited, we will ask what their explanation is. If evidence shows a violation, we will proceed with preliminary investigation to determine probable cause,” the Comelec chief said.

“Once probable cause is established, cases may be filed in court so that these violations cannot simply be dismissed,” he added.

The poll body is also coordinating with the Bureau of Internal Revenue (BIR) to trace the financial sources of the reported donations.

“The BIR is checking whether the reported donations match the donors’ declared income. We need to know if these donations were legally sourced,” Garcia said.

“Iglesia ni Cristo has applied and requested to use the Quirino Grandstand and Burnham Green for their event dubbed as National Rally for Transparency, Accountability, Justice, and Peace on November 16-18, 2025. The National Parks Development Committee will be issuing a Park Permit for the usage of the mentioned venues only,” the NPDC said.

It added that the INC is still required to coordinate with the city government of Manila and the Metropolitan Manila Development Authority (MMDA) for

any clearance/permit regarding their event as part of the terms and conditions of their park permit.

The committee is an attached agency of the Department of Tourism (DOT) in charge of managing Rizal Park at Luneta and Paco Park in Manila.

Chavez said the city government’s support includes traffic management, police assistance, and medical support outside the perimeter of Rizal Park.

In a press briefing at Camp Crame, PNP spokesman, Brig. Gen. Randulf Tuaño said the NCRPO and Manila Police District will have a security meeting regarding the INC rally.

The PNP expected more than

cessive calamities,” Castro said.

Presidential Communications Office Undersecretary Claire Castro said President Marcos, together with the Department of Budget and Management (DBM) led by Secretary Amenah Pangandaman, reminded all government offices to observe modest celebrations during the holiday season.

“This is part of the President’s show of unity with Filipinos who continue to face hardships brought about by suc-

In recent weeks, a series of earthquakes rocked parts of the Visayas and Mindanao, while several typhoons battered other regions, displacing thousands of families and damaging public infrastructure.

Castro said the President emphasized that government employees should celebrate the season with compassion and mindfulness for those still recovering and rebuilding their lives.

“These measures reflect the inclusive and compassionate spirit of the

300,000 INC members at the Luneta rally, thus intends to mobilized 14 ambulances and rescue medics personnel.

“Based on the initial information provided by the intelligence unit of the Directorate for Operations, the number they gave, originally, was 300,000,” Tuaño said.

The NCRPO also planned to deploy 9,829 policemen to secure the peace and order within the Luneta and nearby environs.

The INC rally was originally set at the People Power Monument in Quezon City, but was moved to Luneta Park by the organizers to prevent heavy traffic that might cause public inconvenience.

Bagong Pilipinas vision under the Marcos administration,” she added. The DBM earlier issued similar reminders to ensure that public funds are used responsibly and that Christmas gatherings in government agencies remain simple but meaningful.

Earlier this week, Typhoon Tino ravaged Cebu province, which has been trying to recover from a fatal earthquake last September. According to the Office of Civil Defense, a total of 66 casualties were reported as of this posting.

flood mitigation projects, with 55 still ongoing.

“She said the flood control projects implemented under the Duterte administration “should have been working” by now.

“Hence, this also needs to be reviewed because if there were already 343 flood control projects back then, they should have been working,” Castro added.

Castro made the statement in the aftermath of Typhoon “Tino” (international name Kalmaegi), which triggered widespread flooding in Cebu.

Cebu Gov. Pamela Baricuatro lamented that the province continues to experience flash floods despite the allocation of P26 billion for flood control initiatives.

Castro said the Palace welcomes any data or information related to the flood control projects that Baricuatro may provide.

“If she has any information, facts, or data that can help the government hold those accountable, it is welcome,” she said.

“So, we need to work together to identify who should be held accountable for the anomalous flood control projects,” she noted.

Castro said President Marcos would also visit Cebu to assess “Tino’s” damage.

R idon’s call came on the heels of widespread flooding in Cebu amid the recent onslaught of Typhoon Tino, which reportedly overwhelmed several flood control projects handled by QM Builders.

Ridon told reporters that all projects in the province should be thoroughly reviewed to determine whether they were executed properly.

“QM Builders is one of the top 15 contractors mentioned by the President and is based in Cebu. I believe all of their projects in the province should be fully scrutinized,” Ridon said.

The ICI has already established a template for investigating kickbacks and substandard work in Bulacan. The same framework should be applied here to determine whether the flood control projects in Cebu functioned as intended,” Ridon noted.

He also said the Cebu investigation could uncover whether other contractors were involved in poorly executed projects similar to those implicated in Bulacan.

against him.

“Co does not intend to file a counteraffidavit,” Rondain said, referring to the Ombudsman’s update that its order for Co to file a counter-affidavit has been sent to his last known addresses, but the recipient “refused to accept” the document. Co, who has been subpoenaed twice by the Independent Commission for Infrastructure (ICI), left for the US in August to seek medical treatment and is reportedly now in Europe. He resigned from his position as a member of the House of Representatives on Sept. 29, shortly after he was accused of being among the masterminds in the kickback scheme in the flood control projects.

Meanwhile, Rondain said that Co reported a net worth of P4.1 billion in 2019—the year he was elected to the House of Representatives.

“I can answer that P4.1 billion in 2019. I did some research and who’s a richer senator you know? Mark Villar declared a net worth of P1.4 billion.

“So, in 2020, when Rep. Co joined Congress in 2019, he was already richer than Cynthia Villar or Manny Pacquiao. Just to keep it in context,” he added.

The lawyer did not show a copy of Co’s 2019 Statement of Assets, Liabilities and Net Worth (SALN) but said he was willing to provide one.

His mother, Cynthia, declared in 2020 a net worth of P3.8 billion. Next is Manny Pacquiao, P3.1 billion,” the lawyer enumerated.

NATIVITY ON PARADE. At least 52 replicas of Jesus Christ’s birth in a manger are entered in this year’s competition dubbed 18th Belenismo sa Tarlac highlighting the locals’ observance of Christmas Day. The line-up consisted of 20 entries in the Community category, seven in the Church category, 12 in the Monumental category, three in the Grand Non-Municipal category, and 10 in the Grand Municipal category. Lino Santos

ICI gets P41-m 2025 budget; to hire 172 contract workers

By Joel E. Zurbano

HE

TOffice of the President has authorized the allocation of over P41 million for Independent Commission for Infrastructure (ICI)’s budget until the year’s end, ICI executive director Brian Keith Hosaka said on Wednesday.

According to Hosaka, the Department of Budget and Management (DBM) has also approved 172 contractual positions for the ICI workforce.

“These approvals will definitely enable the commission to now ef-

IN BRIEF

ficiently and effectively carry out its core mandate and functions under Executive Order No. 94. The approved budget up to the end of 2025 is P41, 481,000; this is chargeable to the contingent fund. The approved budget is

PUBLIC Works Secretary Vince Dizon on Wednesday ordered the fast-tracking of repairs on critical infrastructure in Davao Oriental that were damaged by a magnitude 7.4 earthquake last October.

Dizon said they are prioritizing the restoration of essential facilities such as schools, hospitals, and municipal buildings, following President Ferdinand Marcos Jr.’s directive to speed up rehabilitation efforts.

“It is important to complete these facilities immediately so that local government services can continue, especially in responding to disasters and emergencies,” Dizon said.

He said there is the need for swift but sturdy reconstruction, adding that many residents rely on these facilities for basic services. Vito Barcelo

eases renewal of PUVs franchises

THE Land Transportation Franchising and Regulatory Board (LTFB) has eased the renewal of franchises for public utility vehicles by waiving the requirement for audited financial statements or annual income tax returns.

LTFRB chairman Vigor Mendoza II said the move would be a big help for small industry players who struggle to keep up with documents for the issuance of certificate of public conveyance.

“There are so many of our colleagues in the transport sector who are complaining about the filing of audited financial statements and the annual income tax returns, and we understand them so we promise to look into these,” he said.

“And based on our review, the filing of audited financial statements and annual income tax returns is not necessary for the operation of public utility vehicles,” he added. Rio N. Araja

MMDA hosts dialogue on smart transpo system

THE Metropolitan Manila Development Authority (MMDA), along with representatives from local government units in Metro Manila, convened on Wednesday for a Joint Technical Working Group Meeting focused on development planning for the Metro Manila Intelligent Transportation System (MMITS).

MMDA general manager and MMITS project director Procopio Lipana highlighted the workshop as a “collaborative platform for fostering innovation and shared learning.”

He emphasized that development of the intelligent transportation systems (ITS) plan is crucial in creating a blueprint aimed at establishing a more interconnected and future-ready Metro Manila.

“It brings together the collective expertise, experiences, and perspectives of all stakeholders—LGUs, JICA (Japan International Cooperation Agency) experts, and the MMDA—toward a common goal: the creation of an intelligent, data-driven, and peoplecentered transport system that meets the growing needs of our citizens,” Lipana said in his opening remarks for the workshop held at the MMDA Head Office in Pasig City. Joel E. Zurbano

for the operational expense and capital outlay needed by the commission,” he said in a press briefing at the ICI.

“In any agency, funding is very important and very crucial for our efficiency and for us to be able to work and meet the operational requirement and, at the same time, comply with what we are asked under Executive Order 94,” he added.

Hosaka indicated that the funds would finance the hiring of personnel for the legal department, special investigation office, and administrative and support staff in the offices of the chairman and commissioners, among others.

“Currently, most of our lawyers are detailed to us from other government agencies, but with the approval of this staffing pattern and the budget, which we hope will be allocated to the commission soon, we will be able to accommodate our organic staff, which will include lawyers, accountants, and engineers as well,” he explained.

“Of course our priority would be our personnel service expenses; kailangan natin magpasweldo ng mga tao natin (We need to pay our people). That would be one of our priorities, and of course, our equipment to be able to work efficiently and be able to work fast,” he added.

Groups hail OMB on Villanueva’s graft case

FOUR major business organizations have welcomed Ombudsman Jesus Crispin Remulla’s decision to make public the alleged reversal of a 2016 ruling involving Senator Joel Villanueva, saying the decision was a critical step toward restoring transparency and accountability in the country’s justice system.

In a joint statement, the Justice Reform Initiative (JRI), the Financial Executives Institute of the Philippines (FINEX), the Makati Business Club (MBC), and the Management Association of the Philippines (MAP) said they “commend” Remulla for revealing the supposed secret order issued by former Ombudsman Samuel Martires that overturned earlier findings against Villanueva on the alleged misuse of Priority Development Assistance Fund (PDAF) allocations.

The groups stressed that the Constitution requires full public disclosure of matters involving public interest, and that this duty extends to the Office of the Ombudsman, which is vested with both the authority and obligation to publicize its actions “when circumstances so warrant.”

“Such secrecy undermines confidence in the justice system and sends a dangerous signal that decisions affecting public accountability may be quietly undone, and the people can be kept in the dark,” the statement read.

The business groups warned that withholding information on the reversal deprived the public of legal remedies and prevented beneficiaries of the PDAF from recovering allegedly misused funds.

They added that transparency is not discretionary, but a constitutional requirement under Article II, Section 28 and Article III, Section 7.

They urged the Ombudsman to proceed with the investigation and prosecution of officials found liable, noting that jurisprudence gives the office authority to revisit rulings “where justice may have been compromised.”

The groups pushed for reforms to institutionalize openness, including the creation of a technology-enabled public registry of Ombudsman decisions to prevent similar incidents of undisclosed resolutions.

Marcos orders probe on waste spill at Bais Bay

PRESIDENT Ferdinand Marcos Jr. has ordered an investigation into the massive wastewater spill from the Universal Robina Corp. (URC) Bais Distillery in Negros Oriental, with sanctions and legal action now under consideration following widespread environmental and livelihood damage.

Malacañang press officer Claire Castro, in a media briefing at the Palace on Wednesday, said the President, who was immediately informed of the incident, directed the Department of Environment and Natural Resources (DENR) to coordinate with the Philippine Coast Guard and local government units pertaining to urgent containment measures.

Castro said the DENR has already met with URC Bais Distillery officials and ordered them to address the spill immediately.

The Bureau of Fisheries and Aquatic Resources (BFAR) has also instructed affected residents to temporarily avoid fishing and collecting aquatic products to ward off health problems.

Castro added that authorities are studying whether to file charges against URC for possible violations of Republic Act (RA) 11038, also known as the Expanded National Integrated Protected Areas System (NIPAS) Act, which covers the Tanon Strait Protected Seascape near the affected area.

“We are also looking at the possibility of filing charges based on RA 11038),” she said.

The Palace stepped into the issue amid public outrage in Negros Oriental over some 255,000 cubic meters of wastewater that spilled into Bais Bay and nearby coastal areas after the distillery’s lagoon wall collapsed on Oct. 28.

The spillage has caused massive fish kill, pollution, and the displacement of coastal families and businesses.

The Manjuyod local government has since declared a 90-day state of calamity, while the provincial government reported the loss of around 10,000 milkfish fingerlings at its aquaculture complex in Barangay Panambalon.

THE Anti-Money Laundering Council (AMLC) on Wednesday secured a seventh freeze order from the Court of Appeals (CA) on assets of people linked to alleged anomalous flood control projects.

In a statement, the AMLC said the latest freeze order covered 45 additional real estate assets and 81 vehicles, including highend sports cars, sports utility vehicles, and luxury motorcycles reportedly owned by former government officials.

The new freeze order supplemented the first freeze orders granted by the CA on Sept. 15 and marked a significant escalation in the investigation.

“As of today, the AMLC has frozen a total of 1,671 bank accounts, 58 insurance policies, 244 motor vehicles, 144 real properties, and 12 e-wallet accounts. The value of assets frozen has now surged to PHP 6.3 billion. With the issuance of the seventh freeze order, this figure is expected to rise further,” AMLC executive director Matthew David disclosed.

“We assure the public that our efforts have not ceased. We continue to pursue every lead, secure every necessary order, and hold accountable those who misuse public funds,” he added.

The AMLC said it will continue to work closely with the Independent Commission for Infrastructure, the Office of the Ombudsman, the Bureau of Internal Revenue, and the National Bureau of Investigation to pursue all leads and ensure that funds intended for public welfare are not diverted for unlawful gain.

Benitez files House version of ‘Emman Atienza’ measure

IN BRIEF

2 drug suspects nabbed, P17-m marijuana seized

BAKUN, Benguet – Two suspected drug couriers were arrested by combined police operatives and anti-narcotics agents after being found in possession of more than P17.7 million worth of dried marijuana leaves at a police checkpoint in Barangay Gambang Tuesday dawn.

Police described the arrested suspects as aged 24 and 25, and both residents of Paranaque City.

Personnel of the 1st Benguet Provincial Mobile force Company were conducting a checkpoint at sitio Gakian, Gambang when they noticed an approaching vehicle that made a quick turn and sped towards barangay Ampusongan.

The incident was immediately coordinated with the Bakun Municipal Police Station, 2nd Benguet Provincial Mobile Force Company and Provincial Intelligence Division. Dexter A. See

Chinese arrested over crypto investment scam

A CHINESE national was arrested by operatives of the Bureau of Immigration (BI) for allegedly operating a cryptocurrency investment scam from his condominium unit in Parañaque City.

The BI’s Fugitive Search Unit (FSU), in coordination with the Criminal Investigation and Detection Group–National Capital Region (CIDG-NCR) and the Department of Justice Office of Cybercrime, identified the suspect as Liu Feng.

He was apprehended inside a condominium located along Diosdado Macapagal Boulevard in Barangay Tambo.

According to the BI, Liu was caught in the act of operating a computer workstation suspected of being used for an online cryptocurrency scam. Liu has reportedly been working with another Chinese national and several others in conducting the fraudulent investment operations. Vito Barcelo

Aragones rolls out app for digital health services

LAGUNA Gov. Sol Aragones yesterday unveiled the “GOB SOL App,” a breakthrough digital platform that offers free medical check-ups, e-prescriptions, and medicines for every Lagunense.

The app, currently available for Android users, is designed to make healthcare services more accessible and efficient through digital innovation. In its initial rollout, the GOB SOL App is open to residents of San Pablo, Calamba, Los Baños, Santa Rosa, Cabuyao, and Mabitac, with plans to expand to more areas across the province soon. Through the app, users can easily register, schedule virtual consultations with doctors, and receive digital prescriptions that can be redeemed for free medicines under the “Akay ni Gob Botika”

By Maricel V. Cruz

BACOLOD City lone district Rep. Albee Benitez has filed a bill that seeks to protect Filipinos from online hate, harassment, and doxxing while ensuring the public’s right to criticize those in public service.

Benitez is the author of House Bill 5750 or the Emman Atienza Act, named after US-based social media influencer who passed away while struggling with mental health issues and had been subjected to intense online bullying.

“I believe in free speech, and I believe that social media is a powerful platform—one that has given everyone a bullhorn to share ideas, express opinions, and hold those in power accountable,” Benitez said.

He lamented, however, that in recent years there are those who have used their freedom of expression to harass, malign, and spread hate, and that “what was meant to empower has been used to destroy.”

Benitez’s bill proposes penalties for acts such as cyberlibel, online hate speech, and harassment, including expressions inciting hatred or discrimination based on one’s gender or sexuality, cyberstalking, and the non-consensual

sharing of private information. The lawmaker clarified that public officials would not be covered by the protections provided by the bill. Digital platforms would also be required to promptly remove or disable content that qualifies as cyberbullying or online harassment; suspend or ban users found to have engaged in prohibited acts; designate trained flaggers for content monitoring; report transparently on removal requests and actions taken; and create mechanisms for users to report abuse and seek redress. They would also be required to preserve the data for their possible use as evidence in court proceedings. Benitez said his goal for filing the bill is to make online spaces “safer without making them silent,” and to “remind everyone that we can disagree without being disagreeable.”

Pass E-health system bill--solon

By Maricel V. Cruz

A PARTY-LIST lawmaker pushed for the passage of a bill establishing a regulatory framework for the use of information and communication technology (ICT) for health.

“The eHealth System and Services bill is a necessary measure that will help provide a safe, cost-effective, secure, and accessible way for the Filipino people to look after their health needs,” Solid North party-list Rep. Ching Bernos, author of House Bill 3115, said. The eHealth System and Services bill had passed third and final reading in the House of Representatives in the 19th Congress. Its counterpart measure in the Senate, however, failed to hurdle committee deliberations.

According to Bernos, the measure aims to provide the public with effective telehealth services by establishing, institutionalizing, and regulating a coherent, coordinated, and collaborative National eHealth System, guided by a national policy and strategic network. Bernos explained that telehealth—one of the main components of the proposed eHealth system—can bridge the gap between patients and medical professionals, especially in remote areas where hospitals and specialists are scarce. She pointed out that “with telehealth, consultations, diagnostics, and followups can be done without the need for long and costly travel. This not only saves time and money, but also ensures that healthcare reaches communities that need it most.”

“As more of our fellow Filipinos avail of telehealth services, we need to ensure that their doing so does not endanger their health and privacy. We want a reliable and interoperable system that will make telehealth a viable option,” she added.

Bernos said the eHealth System and Services bill will help streamline and address issues on provision, access, availability, accountability, patient rights, electronic health data, security, and information exchange, among others.

By Joel E. Zurbano

THE Makati City government has enacted an ordinance that provides yearly financial assistance and rice incentives to students in public schools, covering all levels from day care to senior high school. City Ordinance No. 2025-A-024 further extends benefits to students enrolled in Special Education (SPED) programs. “Education is the foundation of every-

it most. Cash for school expenses. Rice on the table every month. These aren’t luxuries. They’re what it takes to keep a child in school and focused on learning,” said Mayor Nancy Binay.

The ordinance stated that all bona fide students from day care to senior high school, including those in special education institutions, will receive annual cash incentives. Students in day care, pre-kindergarten, kindergarten, and elementary will each receive P3,500, while those in junior and senior high school will receive P7,000 per school year.

The assistance will be released in two tranches every June and December. In addition to financial assistance, each student will receive a monthly allocation of 5 kilos of rice, distributed by the City Education Department in coordination with the Makati Social Welfare Department.

The measure aims to reduce financial barriers that often lead to student absenteeism and dropouts, especially among students from low-income families.

THE Quezon City government is aiming to become the country’s “social enterprise capital” by 2028, as the city reaffirmed its commitment to inclusive growth.

At the 2025 Philippine Social Enterprise Roadmap Conference held at the MICE Center on Wednesday, Quezon City Mayor Joy Belmonte narrated how the city, six years ago, promoted inclusivity and committed to progress that embraces all its residents, including the disadvantaged, and turned to the powerful model of social enterprise and community-driven economy.

“We will double, triple, quadruple our efforts so that by 2028, I can present to you this wonderful recognition that we are now the capital of social enterprise in the entire country,” she said.

“From creating our proof of concept and integrating social enterprise principles within our systems, we now seek to draw a blueprint for other local governments and the entire nation to follow.”

Belmonte said she believes that business, when guided with purpose, can be a powerful force for good, and that each citizen has the capacity to become an economic mover.

She cited the city’s track record in supporting 98,000 small entrepreneurs, or what she called “QCpreneurs,” through the city’s Small Business and Cooperatives Development and Promotions Office.

She said these include stay-at-home mothers, solo parents, returning overseas Filipino workers (OFWs), persons with disabilities (PWDs), and members of marginalized communities.

Belmonte said 85 percent of these small enterprises remain active, with many now providing jobs and expanding their reach.

Rio Araja

COLORFUL HERITAGE. Dancers clad in traditional Igorot attire from Benguet showcase their vibrant culture during

craftsmanship of the Cordillera region. Edd Castro

OPINION

Master politician

THE movie “Quezon” directed by Jerrold Tarog and starring Jericho Rosales in the lead role has generated much controversy especially after the grandson of the Commonwealth president, Ricky Avanceña, had a verbal tussle with them in a Q and A session. Avanceña was understandably irritated by the movie’s characterization of his lolo as a scheming, vain and self-centered politician, a quintessential “trapo” which may have misled the present generation to liken Quezon to our present crop of politicos who have little redeeming value.

For an artistic product, Tarrog’s opus and Rosales’ inimitable portrayal were excellent, but opens the subject’s memory to rather unseemly discussion, especially when juxtaposed to what we are witnessing these days. While watching the movie, I remembered an elocution contest which won for me the gold medal when I was a senior in high school.

As my alma mater, Colegio de San Juan de Letran in Intramuros was likewise Manuel Luis Quezon’s, we always had programs lined up on Aug. 19, his birth anniversary. Not that the school had a paucity of heroes and national figures, too many to enumerate here, but Quezon towered over them for one feat credited mostly to his efforts – the fight for independence from American colonial rule.

The elocution contest I participated in asked us to speak about a facet of Quezon’s colorful public life.

The other contestants spoke about his heroism centered on the fight for independence, including one who praised his famous quote, that he would rather have a country run like hell by Filipinos than one run like heaven by foreigners.

It supposedly demonstrated Quezon’s fierce nationalism.

I chose what even my English instructor considered very different. I talked about Quezon, the master politician.

Serendipitously, I found myself involved in the nation’s politics two decades later, and through the years I have found myself departing from my academic preparation in business and economics and into the practice of Philippine politics and public service. My brief elocution piece talked about how Quezon disarmed even his fiercest critics while navigating treacherous political waters.

He had this political nemesis who hardly gave him respite from criticism, a Southern Luzon politician from the opposition. Despite attempts to neutralize the criticisms, the politician remained staunchly anti-Quezon.

One day, the Senate President was informed that he could certify scholars for an American college education at the expense of the American government.

Early on, the American colonizers wanted to mold our youth into appreciating their way of life, be it for brain-washing or, as other historians praise, “altruism.”

One fine morning, Quezon went to the residence of his political enemy, and in the spirit of “lo cortes no quita lo valiente,”

which conveys a character who stands his ground but does not forget good manners and courtesy, the oppositionist invited his prominent visitor to the living room of his house.

Expecting political talk, he asked Quezon politely what brought him visiting.

Quezon smiled and said with his Castilian mastery, “I have been given the honor of recommending scholars to America…well, I thought you might want your eldest son to be my first scholar.”

The political enemy was bowled over, speechless in gratitude, with tears welling in his eyes.

Quezon left his descendants not material wealth, but a good name, highlighted by that act of human compassion, aside from working tirelessly for our independence

Here was a man who he had vilified, offering an opportunity of a lifetime for his son.

From that time on, the political enemy became Quezon’s ally, “body and soul.”

The movie Quezon used the same “body and soul” description for something less than noble in depicting the man as Machiavellian, given to compromises, even devious schemes and actions.

But politics is the art of the possible, and even when a compassionate Quezon wanted to host Jewish refugees from Hitler’s reign of terror, rejected by America herself, he masterfully plodded and even schemed to get his way.

For Quezon and for many politicians, the end, whether noble or ignoble, would justify the means.

But Quezon left his descendants not material wealth, but a good name, highlighted by that act of human compassion, aside from working tirelessly for our independence.

In the case of most of our present politicians, nothing but unlimited greed is their end.

Jerrold Tarog’s scriptwriter might have balanced his very political characterization of a great Filipino by including a chapter on that rare display of ennobling compassion.

Incidentally, in that earlier movie about the Jewish refugees with Raymond Bagatsing portraying Quezon, the head of the first family to be welcomed in the port of Manila identified himself as a Zimmerman.

Were they the ancestors of Rodrigo Duterte’s wife Elizabeth, with whom he sired our current vice-president?

By Melandrew T. Velasco

THE heartbreaking images coming out of Cebu following Typhoon Tino tug deeply at the national soul.

Just 45 days after a 7.2 earthquake rattled the island, another calamity struck—this time not from beneath the ground, but from above. Torrential rains poured without mercy, rivers swelled beyond their banks, and neighborhoods that once buzzed with life turned into vast inland seas.

To the people of Cebu—our hearts go out to you. No words can ease the pain of losing loved ones, homes, and livelihoods in a span of hours. The sight of families clinging to rooftops, rescuers wading through chest-deep waters, and roads turning into rivers is a grim reminder of how fragile life can be when nature unleashes its fury.

Yet, it is also a reminder of how resilient Filipinos are—how Cebuanos, in particular, always rise from the rubble with courage and compassion. An earthquake shakes buildings; a flood drowns hopes. Together, they expose not only the force of nature but also the gaps in our stewardship of the land that sustains us.

Cebu’s balding mountains, stripped of trees by decades of quarrying, informal settlements, and unchecked development, can no longer hold the rains.

Rivers, once shaded by bamboo and forest cover, are now clogged with silt, unable to channel excess water safely to the sea.

The result: a perfect storm of tragedy. Na-

Source context: The Department of Justice is beginning hearings on five ghost flood-control projects in Bulacan. At the same time, the editorial of Manila Standard flagged a recent defense partnership with Canada for visiting force status (SOVFA) as raising questions about national alignment.

This is an AI-generated cartoon with the prompt: A generically drawn Philippine ‘everyman’ (e.g., utility-worker or sarisari store owner) standing on a shaky barge labelled ‘National Security’ floating in rough seas. On one side of the barge is a gangway with a large official labeled ‘New Visiting Forces Agreement’ unloading heavy crates marked ‘Arms & pacts’. On the other side is another gangway with a contractor-type figure dragging away a huge crate labeled ‘Flood-Control Projects Budget’ while the barge tilts. The caption: ‘Which side are we leaning on?’

ture reclaims what we have taken for granted. But there is another culprit that must be called out: the ghost flood control projects— those funded on paper but invisible in reality. Over the years, millions have been allocated for desilting, dredging, and drainage improvements that never materialized or were poorly executed. Retaining walls and drainage sys-

Rivers, once shaded by bamboo and forest cover, are now clogged with silt, unable to channel excess water safely to the sea

tems exist only in project documents, not on the ground where they were most needed. These phantom projects robbed Cebu of the very protection taxpayers thought they had already paid for.

In some barangays, residents point to canals and esteros supposedly “rehabilitated” yet remain choked with garbage and silt. Floodways designed to ease overflow were either never finished or wrongly engineered, turning into cul-de-sacs for stormwater instead of escape routes. The result? Corruption compounded calamity—a betrayal of public trust as lethal as the storm itself. Accountability must not stop with the

Rule of law should prevail

WHEN Leyte 1st District Congressman Martin Romualdez resigned from his post as Speaker of the House of Representatives on Sept. 17 this year amid allegations of widespread anomalies in flood control and infrastructure projects, he said: “I leave this chamber as I first entered it: a humble servant ready to serve wherever duty may call. I step down not in surrender but in service.”

He pointed out that the issues surrounding infrastructure projects had raised questions “not only upon me, but upon this institution we all serve.”

He emphasized that “our people are seeking clarity and, above all, trust. Tungkulin natin na ito ay maibalik (our duty is to restore it).”

Further on, he explained he had decided to resign “so that the Independent Commission for Infrastructure] may pursue its mandate freely and fully—without doubt, without interference, and without undue influence.”

In the end, Romualdez said he resigned “to allow full accountability and transparency in the wake of controversies hounding infrastructure projects…and (to show) that no one is above scrutiny.”

House was being compromised. In choosing to step down voluntarily as an act of service and institutional duty, he likewise

Romualdez’s decision to resign from his high position as House Speaker underscores his unswerving commitment to the rule of law in the country

It should be pointed out that Romualdez was not formally removed via a motion by the members of the House to vacate his position; instead it was his personal decision to step down.

“Leadership also demands that we confront the trials of the present. The longer I stay, the heavier that burden grows on me, on this House, and on the President I have always sought to support.”

What Romualdez’s decision to resign from his high position as House Speaker (and fourth place in the line in the succession in the event the President could no longer discharge official functions for one reason or another) underscores his unswerving commitment to the rule of law in the country.

The rule of law, after all, is what distinguishes a democracy from other forms of government.

Its basic premise is that all individuals and institutions, whether public and private, powerful and ordinary, are equally subject to laws that are fairly applied and enforced. It ensures that no one is above the law and that legal processes are transparent, predictable, and just. In this sense, the rule of law is more than a legal abstraction.

It is a demand for accountability and transparency.

Whether confronting corruption in flood control projects or defending the right of the citizenry to petition for redress of grievances, invoking the rule of law means demanding that power be exercised within clear and enforceable limits. —“—

Romualdez’s resignation was triggered by growing public outrage over alleged corruption in flood-control and other infrastructure projects, and concern that the credibility of the

weather; it must reach those who profit from public neglect. Healing the land by planting trees Reconstruction must go hand in hand with restoration.

If we rebuild houses and roads but leave our mountains bare, we rebuild on borrowed time.

What Cebu—and the rest of the archipelago—needs is not only relief and reconstruction, but reforestation and regeneration.

We need to plant trees on our uplands, to anchor the soil, slow runoff, and recharge aquifers. We need to replant bambooS along riverbanks—our best natural engineers for erosion control and flood buffering.

We need to restore mangroves along the coastlines to soften the blow of storm surges and create natural nurseries for fish and livelihoods for fisherfolk. These are not abstract environmental ideals; they are life-saving investments. Every seedling planted today could mean one less family displaced tomorrow.

The Million Trees Foundation stands with the people of Cebu—and we encourage our network of friends and partner stakeholders to mobilize support for a Cebu Recovery and Reforestation Drive that will bring together

affirmed his intention to allow independent investigation and restore trust in the legislature.

government, private corporations, civil society, and local communities. The formula is simple: many small acts, sustained over time, can heal a wounded landscape. As the Danish proverb I often quote reminds us, “Mange bække små gør en stor å”—many little streams make a great river. Let us turn grief into growth. Let us regreen the very mountains that now bleed with mud. Let us make bamboo the banner of resilience, and tree-planting the new ritual of hope. While Typhoon Tino and the earthquake that preceded it are cruel teachers, however, their message is clear: we cannot be passive spectators to the disasters we help create. Climate change is real, but so is deforestation. Both can be mitigated—if we act now, together, and with urgency. To my fellow advocates, to business leaders, to government officials, and to every Filipino who has watched these heartbreaking images—let Cebu’s tragedy move us not only to tears, but to trees. In the end, Cebu’s ordeal is more than a natural disaster; it is a man-made tragedy born of neglect and misplaced priorities. Ghost flood-control projects litter our records while our mountains stand bald and

our rivers choke on silt. We have turned a blind eye to nature’s warning signs, ignoring the very solutions that could have spared us such misery. The abolition of Project NOAH in 2017 by the Duterte administration continues to haunt us and kill Filipinos. Once a beacon of science and foresight in disaster preparedness, its abrupt ending marked a painful retreat from evidence-based governance. Had it been nurtured, perhaps early warnings and better planning could have saved lives and communities. It is time to bring back the spirit of NOAH — not merely as a government project, but as a collective national conscience that values foresight, accountability, and harmony with nature. Let us rebuild our defenses not with ribboncuttings or press releases, but with trees, bamboos, and a renewed respect for the environment that sustains us all. (The writer, president/chief executive officer of Media Touchstone Ventures, Inc. and president/executive director of the Million Trees Foundation Inc., a non-government outfit advocating tree-planting and environmental protection, is the official biographer of President Fidel V. Ramos.)

NY elects leftist mayor, Democrats win

NEW

YORK– New Yorkers elected young leftist Zohran Mamdani as their next mayor Tuesday and Democrats won two key state governor races as US voters delivered an early warning to President Donald Trump ahead of 2026’s midterms.

by Trump’s onslaught since returning to the White House, and set alarm bells ringing in Republican circles.

Mamdani’s victory came in the face of fierce attacks on his policies and Muslim heritage from President Donald Trump, business elites and conservative media.

The Democratic party’s victories in the governor’s races in Virginia and New Jersey suggested a shift in political mood as the country looks to next year’s midterm elections when control of Congress will be up for grabs.

Trump refused to take any blame for Tuesday’s results. In a post on his Truth Social network, he cited anonymous “pollsters” suggesting the Republican defeats were down to the government shutdown and the fact that his own name wasn’t on ballots.

House minority leader Hakeem Jeffries said “Democrats are smoking Donald Trump and Republican extremists throughout the country,”

IN BRIEF

Minister for Space Judith Collins said. The mission would involve sending up “one or more government-owned satellites” for “regular coverage of areas of national interest, such as humanitarian and disaster response or monitoring for illegal fishing”.

“This would reduce the government’s reliance on external providers for this important information,” she added.

Documents obtained by AFP pitch the mission as a boon for the nation’s science sector and a commercial opportunity.

The mission would involve “all parts of the sector, from research and development of new sensors, to manufacturing satellite components, to launch, and then crucially to the downstream use of data”.

“A mission is an opportunity to support the development of innovative products for future commercialization and export,” the documents said. AFP

GUATEMALA CITY – Guatemala’s government announced Tuesday (Wednesday Manila time) the United States would send an FBI team to help capture gang leaders whose jailbreak has triggered a security crisis in the Central American country.

Local authorities on October 12 announced that 20 members of the Barrio 18 gang had broken out of the Fraijanes II prison near Guatemala City, but did not specify when the escape happened.

Only four of the fugitives have been recaptured so far. Guatemala has now followed Washington’s lead by classifying Barrio 18, an El Salvador-based gang with a reputation for violence and extortion, as a “terrorist” organization.

In September, the US government blacklisted Barrio 18 as part of its crackdown on drug trafficking. The US Embassy criticized the escape as “utterly unacceptable.” AFP

Trump again taps Isaacman to lead NASA

WASHINGTON,

Social media mercenaries dying for Russia

BAGHDAD – Smiling broadly and clad in military fatigues, young Iraqi Mohammed Imad’s last TikTok post was in a field carved up with heavy vehicle tracks in what appeared to be Ukraine. Smoke was rising behind him.

“Pray for me,” read the caption next to a Russian flag. That was in May. Months went by without a word, only rumors. Mohammed had been taken hostage, was injured, had the flu or had been killed in a Ukrainian drone strike.

Like many Iraqis now fighting in Ukraine, the 24-year-old travelled to Russia without his family’s knowledge to

Concerns at ILO over expected appointment of Trump advisor

GENEVA – The expected appointment of a close Donald Trump advisory to a top post at the International Labor Organization has sparked criticism internally, with Washington owing the UN agency tens of millions in dues.

Several well-informed sources told AFP that Nels Nordquist, a former top economic advisor to the US president, would soon be named the ILO’s deputy director-general -- a position usually held by a US national.

The organization itself declined to comment.

But the expected appointment has caused unease in Geneva, after his wife Jennifer Nordquist -- also a former Trump advisor -- took up the role of deputy head of the World Trade Organization (WTO) last month, which is also headquartered in the Swiss city.

“We have many questions about the situation,” Severine Deboos, head of the ILO staff union, told AFP.

“We are in a very particular situation with a Trump administration that has very firm positions on aspects at the heart of the ILO’s mandate,” she said, pointing among others to “the right to strike and the rights of migrant workers.” AFP

enlist in Russia’s armed forces, his mother Zeinab Jabbar, 54, told AFP.

Like them, he was drawn by promises of money and a Russian passport.

“He went and never came back,” Jabbar said, tears streaming down her face as she clutched a picture of Mohammed in their modest home in Musayab, south of Baghdad.

“We Iraqis have seen so many wars... we have had enough,” she added. “What do we have to do with Russia” and Ukraine, “two countries fighting each other?”

Mohammed was a baby when the USled invasion of Iraq spawned decades of bloody sectarian violence, and the brutal

but short-lived jihadist “caliphate”.

Many young people were called up into the army or joined Shiite paramilitary groups to fight the Islamic State group, with others pulled into Syria’s long civil war.

With one in three young people now jobless and the country mired in corruption and mismanagement, AFP found many Iraqis are being lured to fight for Russia by seemingly irresistible offers pushed by influencers on social media. They include a monthly salary of $2,800 -- four times what they could earn in the military at home -- and a sign-up fee of up to $20,000 to set them up in life. AFP

shows an image of her son, Mohammed

with whom she lost contact after he travelled to Russia to enlist in its armed forces, at her home in Musayab, south of Baghdad, on Sept. 10, 2025. Many young people were called up into the army or joined Shiite paramilitary groups to fight the Islamic State group, with others pulled into Syria’s long civil war. With one in three young people

“Jared’s

Japan deploys troops after bear attacks

TOKYO

seek food, particularly in northern regions such as Akita and Iwate, experts have said. Rural depopulation has also blurred traditional boundaries between towns and bear habitats, encouraging bears to expand their habitats towards residential areas, according to researchers.

Japan’s Self-Defense Forces agreed to offer logistical assistance to rural areas, including transporting bear traps, hunters and bears that have been caught.

A team of 15 soldiers was deployed on Wednesday to help move a trap in Kazuno city in the hard-hit Akita region.

Deputy Chief Cabinet Secretary Kei Saito said the military’s focus was national defense, but they could help when possible.

Takaichi’s cabinet held a special meeting on the crisis last week and said she would offer a policy package by mid-November.

That is likely to include increasing the number of hunters who can respond to the most urgent situations, such as bear sightings in residential areas. Akita governor Kenta Suzuki, who has repeatedly warned that his region does not have the capacity to fight the animals, thanked the troops for their help.

“By coordinating efforts with local municipalities, I hope to assist the activities of the Self-Defense Force troops,” Suzuki said at a signing ceremony in Akita with the military to mark the start of the program. AFP AFP

Jury selected in US trial

vs. Boeing over 737 MAX crash which killed 157

CHICAGO – Opening arguments will begin in Chicago on Wednesday in the first civil trial against US aviation giant Boeing over the 2019 crash of an Ethiopian Airlines 737 MAX aircraft, which killed 157 people, after a full day of jury selection. Five

Lawyers

WARNING TO TRUMP. People vote at a polling station in Hamilton Heights neighborhood in the Manhattan borough of New York City on Wednesday, Manila time. On a pivotal day in US democracy, with elections at various levels of government taking place across the country, Pennsylvanians were picking new state supreme court justices while California was delivering its verdict on redistricting measure Proposition 50. New Yorkers elected young leftist Zohran Mamdani as their next mayor Tuesday (Wednesday in Manila) and Democrats won two key state governor races as US voters delivered an early warning to President Donald Trump ahead of 2026’s midterms. AFP

TIKTOK RECRUITERS. Zeinab Jabbar

Imad,

Blue Eagles halt 5-game

slide, eliminate Warriors

DIVINE Adili returned from a three-game absence to power Ateneo de Manila University’s fourth-quarter surge and eliminate the University of the East, 78-74, in the UAAP Season 88 Men’s Basketball Tournament at the SM Mall of Asia Arena, Wednesday.

The Nigerian center, who has been nursing back issues, delivered 15 points—10 of which came in the final frame where the Blue Eagles erased a seven-point deficit—along with 13 rebounds, two assists, two steals, and a block.

More importantly, Adili’s return helped Ateneo snap a turbulent five-game losing streak after starting the season with four consecutive wins. The victory lifted the Blue Eagles to an even 5-5 record, tying the Adamson Soaring Falcons at fifth place.

“Regarding Divine, having him back, I don’t think we can overemphasize how important that is. We’ve been a team that, if you study the stats, really struggled around the basket this year… it’s pretty evident that when Divine is out there, it changes the dynamic for the team, and we got more out of him today than we expected,” said Blue Eagles head coach Tab Baldwin.

It was Ateneo’s first win in exactly one month since defeating archrival De La Salle, 81-74, on October 5. The victory serves as a crucial springboard for the Blue Eagles as they prepare for their second-round clash with the Green Archers on Sunday at the Smart Araneta Coliseum.

UE led by as many as 11 points, 63-52, in the third quarter and entered the final period still ahead, 64-57, but Ateneo was determined to end its slump.

Behind Adili’s steady presence, the Blue Eagles reclaimed the lead on his layup with 3:46 left, 72-71. However, John Abate quickly responded for the Red Warriors with an and-one play to restore a 74-72 advantage with 2:15 remaining.

That turned out to be UE’s final basket of the game, as Ateneo sealed the win from the free throw line. Ian Espinosa and Adili combined to sink six of ten free throws in the last 1:42 to complete the comeback.

“I feel really excited to be back. I’ve been itching to get back, and I got the opportunity today. I’m just going to keep looking to get 100 percent healthy, do my rehab, and control what I can control,” said Adili, who has been dealing with a back injury since the start of the season.

Ateneo rips winless UE, boosts bid for semis slot

ATENEO de Manila University

strengthened its pursuit of a Final Four berth in the UAAP Season 88 Women’s Basketball Tournament with a wire-towire 81-57 victory over winless University of the East, Wednesday afternoon at the SM Mall of Asia Arena in Pasay.

Fuelled by the breakout performance of rookie duo Hannah Lopez and Erica de Luna, along with the consistent play of reigning two-time MVP Kacey dela Rosa, the Blue Eagles secured back-toback victories and eliminated the Lady Warriors from Final Four contention for the sixth consecutive season.

With the win, Ateneo solidified its hold on solo third place in the eightteam field with a 7-3 record, creating separation from the three-way logjam at fourth place among Adamson University, De La Salle University, and Far Eastern University (4-6).

The victory also gave the Blue Eagles a strong momentum boost ahead of their rivalry game against the Lady Archers on Sunday at the Smart Araneta Coliseum.

“We’re very wary of UE -- they have nothing to lose and sometimes, those are dangerous teams. But I am happy that the team responded the way they did -with maturity. We started off a little bit flat, but we were able to pick it up nung second to fourth quarter. I am happy na nagmmature na yung team,” Blue Eagles head coach LA Mumar said.

Building on a dominant 37-19 firsthalf performance, Ateneo opened the third quarter on a strong note with backto-back triples by Lopez and Gracie Batongbakal to extend their lead to 50-26. UE responded with a 12-2 run, highlighted by two inside hits from Mhariko Gullim and Rachel Lacayanga, trimming the deficit to 52-38. However, the Blue Eagles quickly regained control as Dela Rosa, Erica de Luna, and Lopez combined for a 20-2 run that stretched into the early moments of the fourth quarter.

Kymani Ladi also made his presence felt with 16 points and nine rebounds, while Espinosa chipped in 13 markers.

The win also marked Ateneo’s 16th straight triumph over UE, a streak that dates back to the second round of Season 87. The Red Warriors remain winless at 0-10 this season.

Precious Momowei led UE with another monster performance of 19 points, 18 rebounds, four assists, two blocks, and a steal. Abate contributed 18 points,

ABRA and Pangasinan beat separate opponents in the opener of the North Division semifinal round on Tuesday in the 747.LIVE presents Manny Pacquiao MPBL 2025 Season at the people-packed Gov. Andres B. Bernos Memorial Gymnasium in Bangued, Abra. The Abra Solid North Weavers clobbered Caloocan Batang Kankaloo, 80-54, while the Pangasinan Heatwaves stunned the San Juan Knights, 67-57, putting them within a win of advancing to the division finals.

Showing their depth and firepower, the Weavers led throughout and as far as 75-44 to extend their winning streak to a league-record 29, including 26 straight in the elimination phase and a 2-0 sweep of the Ilagan Isabela Cowboys in the quarterfinal playoffs.

Jason Brickman shone for Abra with 13 points, 5 assists and 3 rebounds; Encho Serrano with 11 points, 6 rebounds, 3 assists and 3 steals; Raven Gonzales with 11 points, 8 rebounds and 2 blocks; Dave Ildefonso with 10 points, 8 rebounds, 5 assists and 2 steals; and 6-foot-10 Geo Chiu with 10 points, 10 rebounds, 3 assists and 2 blocks.

With 6-foot-8 Raven Gonzales scoring five, the Weavers blitzed the Batang Kankaloo, 10-0, and never wavered as they ruled the boards, 58-43.

Powered by Jorey Napoles and Bong Galanza, the pump-up Heatwaves unleashed a closing 8-2 run to

six assists, and four rebounds.

Wello Lingolingo, returning from a three-game suspension, tallied 19 points, five rebounds, and four assists but struggled with his shooting, going just 6-of-21 from the field—including several crucial misses down the stretch.

UE will continue to chase its first win on Saturday when it faces the University of the Philippines at the UST Quadricentennial Pavilion.

take the half, 36-31, from which the off-form Knights never recovered, endangering their bid for a fifth straight stint in the division finals.

With Ian Melencio and Alyn Bulanadi joining the scoring fray, the Heatwaves, who toppled the Nueva Ecija Giant Lanterns (2-1) in the quarterfinals, led by as many as 63-52, with 3 minutes and 28 seconds left. Napoles posted 16 points, 5 rebounds and 2 assists to clinch best player honors. Galanza supported with 10 points, Michael Mabulac with 8 points and 6 rebounds, Melencio with 6 points, and Vic Manuel with 5 points and 5 rebounds.

Only Niko Panganiban scored in twin digits for the Knights with 15, followed by Arvin Gamboa with 9. Top Gun Orlan Wamar was held to 4 points and gunner Dexter Maiquez went scoreless.

The Knights, the 2019 MPBL titlists, were hounded by their atrocious free throw shooting, converting only 6 of 18 tries for 33.3 percent.

Abra and Pangasinan will try to forge a best-of-five North Division finals on Friday, November 7, when they tackle Caloocan and San Juan again at the Ynares Sports Arena in Pasig City.s

The MPBL South Division semifinals start on Thursday, with games pitting Binan against Batangas at 4 p.m., and Quezon Province against Gensan at 6 p.m. at the Quezon Convention Center in Lucena City. Jason

Huge field highlights tennis boom in Olivarez tilt

A BANNER field of 270 young tennis players from across the country converges in Parañaque City as the Mayor Edwin Olivarez National Open Juniors Tennis Championships fires off today (Thursday, Nov. 6), underscoring the sport’s remarkable growth and the youngsters’ deep enthusiasm for competition and development. The PHILTA-sanctioned event is being staged across multiple venues – the Olivarez Sports Center and nearby Parañaque courts – to accommodate the huge turnout. The tournament will run for two weeks and culminate in the Open Championship, a showcase of power, skill and determination from the country’s leading juniors and promising newcomers.

Topping the list of contenders in the 18-and-under division are Jan Cadee Dagoon and Jonathan Higa, both expected to lead spirited campaigns in their respective brackets. Dagoon faces stiff opposition in the girls’ singles with Joy Ansay, Mikaela Ngu, Izabelle Camcam, Sabine See and Dania Bulanadi all aiming for the top prize.

On the boys’ side, Antonio Ng Jr., Gavin Kraut, Troan Vytiaco, Felizardo Lota III and Karl Almiron are among the key challengers looking to dethrone Higa in the tournament held under the Palawan Pawnshop–Palawan Express Pera Padala (PPS-PEPP) program. The event, held in honor of Mayor Edwin Olivarez and backed by Universal Tennis, Dunlop, and ICON Golf & Sports, reinforces the city’s and the Olivarez family’s long-standing commitment to discovering and developing young

FANS worldwide have no reason to miss out on the PBA’s golden celebration with all of the games now available via Cignal’s platforms for free!

All matches from Philippine Cup, Commissioner’s Cup, to the Governors’ Cup will be streamed live and can be enjoyed on any device via the Pilipinas Live app and One Sports YouTube channel.

It’s all part of the league’s season-long treat as it gives back to the fans in commemoration of the 50th season of Asia’s first professional league. The PBA remains as the premier sports entertainment for Filipinos after five decades, boasting high viewership on-air and online.

PBA has been the main driver of views of One Sports Youtube account, with it being the top sports channel in the Philippines with a following of almost 5 million subscribers.

That excitement was sustained in the PBA50 tip-off where fans in venue and online were on the edge of their seats witnessing the grand opening ceremon ies of the brand new season.

It’s just appropriate that the league’s crown jewel -- the ongoing Philippine Cup -- be the first conference to enjoy this free treat as nine-time MVP June Mar Fajardo tries to lead the San Miguel Beermen to back-to-back crowns.

All of that is available live and on-demand in the Pilipinas Live app, which can be downloaded on the Apple App Store and Google Play Store, as well as One Sports on YouTube at @OneSportsPHL.

Brickman delivers for the Abra Solid North Weavers.

Ateneo’s Waki Espina and Divine Adili celebrate the Blue Eagles’ 78-74 win over the UE Warriors.

THURSDAY, NOVEMBER 6, 2025

RIERA U. MALLARI, Editor

RANDY M. CALUAG, Asst. Editor

EDGARD HILARIO, Asst. Editor

Panabo native Arca in 4-way chess logjam for ASEAN lead

OZAMIZ—The Philippines’ Christian Gian Karlo Arca outlasted countryman Tyrhone James Tabernilla to grab a piece of the lead after three rounds of the 6th ASEAN Individual Chess ChampionshipsGov. Henry Oaminal Cup at the Misamis Occidental Resort and Aquamarine Park here. Arca, 16, pounced on an overeager knight sacrifice by Tabernilla in the endgame to escape with a 57-move win of a Catalan encounter after errantly giving up a pawn early.

That sent the proud son of Panabo, Davao del Norte into a four-man tie for first place with Vietnamese Grandmaster Tran Tuan Minh, Indian IM V S Raahul and Mongolian IM Munkhdalai Amilal with 2.5 points each. It would take more victories like this one for Arca to rule this nine-round tournament that stakes the one prize he craves the most—a GM title—for the eventual champion.

He was eyeing another against the third-seeded Raahul in the fourth round at press time that should fuel his GM drive.

Raahul and Tran, part of a threeplayer tie for No. 1 the round before, drew while Munkhdalai downed Indonesian FIDE Master Fabien Glen Mariano to zoom straight to the top.

Making a big title chase was a group of 11 woodpushers with two points each, among them Filipinos in GM John Paul Gomez and IMs Pau Bersamina, Jem Garcia, Michael Concio, Jr. and Kim Steven Yap. Bersamina and Concio split the point while Gomez and Yap likewise drew their games with Indian IM Ramesh Avinash and Vietnamese IM Dang Hoang Son, respectively.

GM Nguyen Van Huy, IM Dang Hoang Son and FM Dinh Nho Kiet of Vietnam, Indian IM Kamotra Soham, and Malaysian FM Wong Yinh Long were also in that same pack.

Custodio, Ramirez bag golds in World Jiu-Jitsu tournament

By Randy M. Caluag

FILIPINA jiujitsu aces

Kimberly Anne Custodio and Annie Ramirez captured gold medals at the 2025 IJJF World JiuJitsu Championships held recently in Bangkok, Thailand.

Custodio clinched her third world title after dominating the adult female -45kg division last weekend.

The reigning world champion from the Philippine Jiujitsu Federation blanked Jouan Chen of Chinese Taipei, 4–0, in the quarterfinals, edged Thi Hue Phung of Vietnam, 2–0, in the semifinals, and submitted Aysha Alshamsi of the United Arab Emirates via armbar in the final.

Phung and the UAE’s Balqees Abdulkareem Abdoh Abdulla shared the bronze, while fellow Filipina Daniella Palanca placed fifth in the same division.

In the adult female -57kg class, Ramirez scored a breakthrough, winning her first-ever world title after a series of gritty matches.

advanced

The

The

marked a

Ramirez, who missed the podium at the World Games in Chengdu, China, last August.

Grosset and Jeong settled for bronze medals, while teammate Estancia Jan Mendoza finished 17th.

World Jr Gymnastics tilt to bene t from new sports body

THE 3rd FIG Artistics Gymnastic Junior World Championships will greatly benefit from the new National Sports Tourism Inter-Agency Committee formed by President Ferdinand “Bongbong” Marcos Jr, according to Philippine Sports Commission Chairman Patrick “Pato” Gregorio.

“In bidding for the hosting of international meets, now both private sector represented by National Sports Associations, and the government will be on the same page,” noted Gregorio during the PSC-organized Inter-Agency Coordination Meeting held last Tuesday on the global gymnastics showcase set Nov. 20 to 24 at the Manila Marriott Grand Ballroom in Pasay City.

“With the NST-IAC, both sectors can now work together without overlapping, how to maximize the brands (like the junior world championships) and maximize the support of the government agencies involved,” stressed of the sports tourism body formed by the President’s Administrative Order No. 38 issued last Oct. 31.

Gymnastics Association of the Philippines president Cynthia Carrion, who boldly bid for the competition in last year’s International Gymnastics Federation Congress in Doha, Qatar, was grateful to the PSC and the newly-formed sports tourism body for all-out government support for the meet.

“When the FIG technical officials visited the country to conduct an ocular inspection on our preparations last August, the GAP was given a gold medal fdor our organization,” Carrion proudly informed the inter-agency meeting of the championships backed by the Office of the President, PSC and Newport World Resorts.

With the PSC as lead agency, a key role of the NSTIAC is to “lead plan, source, and/or allocate funds for the bidding of said (international) sporting events, in coordination with relevant international sports governing bodies, sports associations, and other government agencies, including LGUS, subject to applicable laws, rules and regulations.”

It is also mandated “to formulate and implement marketing and promotional strategies to maximize the economic, cultural and social benefits of sports tourism.”

Combined with all the other provisions contained in the AO, Gregorio pointed out that “what we now have here is a wholistic approach in the future for the country’s bidding and hosting of international competitions.”

“So if the NSA want to bid, present us the budget and then we will work it out. We can go to President BBM and Congress and ask for the money to support the hosting,” the PSC chief explained.

Pasig City retains Batang Pinoy overall championship

By Peter Atencio

THE City of Pasig, getting a boost from their athletes in gymnastics, jiujitsu and chess, is back as champion of the Batang Pinoy National Championships.

Pasig City earned its second straight Batang Pinoy overall crown with their 95-72-87 gold-silverbronze medal haul.

This allowed Pasig City to beat Baguio City (91-72-74) and Davao City (53-53-68) for the top position.

Gymnastics yielded 51 medals off the Pasiguenos’ 25-17-9 gold-silverbronze tally, to go with with jiu-jitsu’s 29 medals (6-10-13), and the 26 medals (10-12-4) from chess.

“Bonus na rin na ang mga kasama ko sa Pasig Sports ay masasabi kong may tunay na malasakit para mga mga atleta at coach,” said Leanne Alonso, Pasig City Special Assistant on Sports Development.

Gymnast Tchelzy Mei Maayo emerged as one of the most be-

medalled athletes for Team Pasig in the girls’ action with five golds and a bronze.

Another gymnast, Hillarion Palles in the boys’ side brought in five golds, a silver, and a bronze.

Baguio ruled the archery events, bagging numerous gold medals and sweeping several titles in both the boys’ and girls’ compound divisions.

Among the standouts were Chass Mhavien Colas, Jephtha Caleb Fernandez, and Jianna Delos Reyes. Davao City got most of its medals in jiu-jitsu, judo, karatedo, athletics, gymnastics, and archery.

In jiu-jitsu, Davao City athletes claimed six golds, four silver, and 11 bronze medals. In judo, it was Calvin Quinn Posadas who won in the Judo -71 kg juvenile category, successfully defending his title from the previous year.

In karatedo, Hailey Dominique So and Precious Zyrah Sacopayo were among the gold medalists.

THE race to the PVL Reinforced Conference quarterfinals is about to reach fever pitch as Creamline and Akari look to firm up their bids, while desperate sides Nxled and Cignal seek redemption and survival.

Thursday’s double-header at the FilOil EcoOil Centre in San Juan ushers in the second phase of the prelims – a pivotal juncture where every set and every rally could spell the difference between advancing and elimination. The new stage pits the top three teams in Pool A against the bottom three from Pool B, and vice versa, with each squad carrying over their respective win-loss records from pool play. It’s a setup that promises not only high-octane volleyball but also potential upsets, as struggling teams attempt to shake up the hierarchy and keep their fading quarterfinal hopes alive.

The Cool Smashers, coming off a commanding victory over the Chery Tiggo Crossovers, enter the next phase with renewed confidence and a strong 3-2 record – good for the No. 2 spot behind the unbeaten ZUS Coffee Thunderbelles (5-0).

Coach Sherwin Meneses’ charges remain heavy favorites against Nxled, a team that went winless (0-5) in the first phase. Still, Creamline is expected to approach the matchup with the same intensity that has defined its championship pedigree.

Anchored by import Coco Schwan and a star-studded local cast led by Alyssa Valdez, Michele Gumabao, Pangs Panaga and Tots Carlos, the Cool Smashers aim to extend their momentum and tighten their grip on a quarterfinal berth with another victory in their 4 p.m. encounter.

veteran campaigner

to the Round of 16 by submitting Rachel Glover of Canada, edged Jeong Hyeon Seon of South Korea in the quarterfinals, and defeated Lina Grosset of France in the semifinals. She then capped her golden run with a 2–0 decision over Astrid Scholin of Sweden in the championship match.

triumph

strong comeback for

Kimberly Anne Custodio (left) and Annie Ramirez were crowned world champions after their gritty performances in the 2025 IJJF World Jiu-Jitsu Championships held recently in Bangkok, Thailand.

Coach Aaron Asuncion presents the medallists of Team Pasig in weightlifting in the 2025 Batang Pinoy National Championships held in General Santos City.

PSC Chairman Patrick ‘Pato’ Gregorio addresses the Inter-Agency Coordination Meeting for the 3rd Artistic Gymnastics World Championships held at the Manila Marriott Hotel Grand Ballroom A in Pasay City.

SEC to cap lending rates to protect consumers

By Darwin G. Amojelar

THE Securities and Exchange Commission (SEC) is finalizing new rules to impose stricter caps on interest rates and fees charged by lending and financing companies, an effort directed by the Department of Finance (DOF) to protect the public from abusive lending practices, especially those prevalent on online platforms.

Pangilinan sees ‘better’ PLDT earnings in Q3

PLDT Inc. expects “better” earnings performance in the third quarter of 2025, compared with the first two quarters, chairman Manuel Pangilinan said Wednesday.

Pangilinan attributed the anticipated growth to the continued momentum of the Philippine telecommunications giant’s Home and Enterprise business segments.

“It’s [the third quarter] better I believe than the second quarter. The previous two quarters, slightly better,” Pangilinan said in an interview. The company’s digital unit, Maya, is also contributing to the earnings, “although it is slightly affected by the [de]linking from the gaming sites,” he said.

PLDT earlier reported a net income of P9.1 billion in the April to June period, up 5.8 percent from the same period in 2024.

Its net profit in the first half of the year softened by 2 percent to P18.1 billion from P18.5 billion a year earlier.

Gross service revenues in the first half amounted to P106.3 billion, a 3-percent increase from P103.4 billion a year ago.

Pangilinan said the company is searching for a replacement for Anastacio Martirez, who resigned as chief operating officer (COO) of Smart Communications Inc. Martirez’s departure follows allegations concerning a toxic workplace culture under his leadership.

Pangilinan said PLDT is “most likely” looking for an outside candidate to fill the crucial role and expressed a desire for a younger leader.

The move, which aims to curb “extremely high interest rates” that cause people to “end up in debt,” follows the directive of Finance Secretary Ralph Recto, who said the DOF “will assist the SEC to tighten regulation of these.”

The proposed rules specifically target unsecured general-purpose loans with a maximum amount of P20,000 and loan terms of up to six months.

URBAN GOVERNANCE. Muntinlupa City Mayor Ruffy Biazon (center) is congratulated by Department of Interior and Local Government (DILG) Undersecretary for operations Omar Alenxander Romero after winning seven awards at the Urban Governance Exemplar Awards (UGEA) 2025 at the Novotel Hotel in Quezon City on Nov. 4, 2025. With them is Muntinlupa City Vice Mayor Stephanie Teves-Wong. Joseph Muego

Under the forthcoming memorandum circular, the ceiling for the maximum nominal interest rate will be set at 6 percent per month (about 0.2 per

cent per day).

The effective interest rate—which includes all other costs and fees— will be capped at 10 percent per month (around 0.33 percent per day). Late payment or nonpayment penalties would be limited to 5 per-

cent per month on the outstanding amount, and the total charges are intended to be limited to the amount borrowed.

The SEC is empowered to set reasonable interest rates and fees by Republic Act No. 11765, or the Financial Products and Services Consumer Protection Act.

SEC Chairman Francis said that through “responsive policies and stronger enforcement actions, the SEC will ensure that lending practices remain fair, transparent, and aligned with consumer protection standards, while promoting the continued viability and competitiveness of legitimate financing and lending companies.”

Noncompliant credit providers face fines ranging from P25,000 to P100,000 for the first and second offenses. Companies could also face heavier penalties, including suspension and revocation of permits.

By Alena Mae S. Flores

THE Energy Regulatory Commission (ERC) is considering a proposal to grant a 100-percent discount on electricity bills for qualified low-income households with a monthly consumption of 50 kilowatt-hours (kWh) or less, to be financed through a new Lifeline Subsidy Fund. The move is part of the government’s efforts to make electricity more accessible and affordable for marginalized consumers, following

MUSEO DEL GALEON. Museo del Galeón marks Día del Galeón with a defining milestone in its journey: a four-day invitational preview that brought together the museum’s board of trustees, advisory council, diplomatic allies, donors and key institutional partners for an exclusive first look at the museum-in-progress. The celebration commenced on Oct. 8—on Día del Galeón Day itself—with a commemorative program at China Blue, Conrad Manila, in honor of the museum’s top leadership and founding supporters.

President Ferdinand Marcos Jr.’s call in his 2025 State of the Nation Address (SONA) to broaden the lifeline program’s coverage. Under the draft proposal, beneficiaries of the Pantawid Pamilyang Pilipino Program (4Ps) who are serviced by distribution utilities (DUs) and meet the 50-kWh consumption limit will be automatically enrolled to receive the full discount. To finance the program, the ERC proposes a Uniform National Lifeline Subsidy Rate of P0.01

THE Philippines is strengthening its position in the regional meetings, incentives, conventions and exhibitions (MICE) market, with public and private sector stakeholders aligning business events with national development and trade goals.

The MICE sector is now recognized as a strategic contributor to national competitiveness, according to World Trade Center Metro Manila (WTCMM) chairman and chief executive Pamela Pascual.

She noted that today’s MICE activities are expected to generate measurable outcomes, not just visitor volume.

“Events are now platforms for partnerships, sector growth, and SME integration into global value chains,” Pas-

per kWh, which will be collected from subsidizing end-users. The proceeds will be managed by the state-run Power Sector Assets and Liabilities Management Corporation (PSALM) as the Lifeline Subsidy Fund. Distribution utilities, retail electricity suppliers (RES), the National Grid Corporation of the Philippines (NGCP) and those acting as suppliers of last resort (SOLR) will serve as collection agents, remitting the proceeds to PSALM.

cual said.

Driving the country’s competitiveness are venue expansion, improved transport links and incentive programs, the Tourism Promotions Board (TPB) said, with key developments underway in Metro Manila, Cebu, Davao, Clark and Iloilo. Improved airport links, logistics infrastructure, and digital connectivity are enabling the Philippines to attract more international events, Pascual said. The momentum reflects broader Asia-Pacific trends. UFI forecasts the regional trade fair sector will surpass pre-pandemic levels by 2026, while research firms project continued growth for the global MICE market through 2030. Othel V. Campos

6% 10% 5%

Proposed maximum rate per month Cap on effective interest rate Late payment penalty

‘Tino’ may affect PH corn supply, says DA

By Othel V. Campos

DEPARTMENT of Agriculture (DA) Secretary Francisco Tiu Laurel Jr. said Wednesday that Tropical Cyclone Tino is not expected to disrupt the country’s rice supply, but warned that corn production may take a heavy hit.

“We’re not too worried about rice since the harvest is almost complete in major producing provinces, and most of the affected areas are not key rice zones. But we may have an issue with corn because about 33,000 hectares of cornfields were affected by Tino,” Tiu Laurel said.

He instructed all regional field offices to conduct rapid damage assessments and prepare for another, potentially stronger typhoon forecast to hit Northern Luzon this weekend.

To aid recovery, the DA said it would distribute P255 million worth of farm inputs including rice, corn and vegetable seeds, fingerlings and biologics to affected farmers and fisherfolk. Assistance for repairing boats and fishing gear, as well as fuel support, will also be made available.

The DA ordered the Philippine Crop Insurance Corp. (PCIC) to fast-track insurance claims, while the Agricultural Credit Policy Council (ACPC) will offer loans of up to P25,000 under the Survival and Recovery (SURE) Loan Program.

To ensure stable supply, the National Food Authority (NFA) has readied 2.6 million bags of rice for release to local governments and relief agencies. Additional rice will be sold through Kadiwa ng Pangulo outlets offering P20-per-kilogram rice and other low-cost commodities.

“We have enough rice stocks at the NFA to cover our needs,” Tiu Laurel said.

KONEKTADO IRR.

Information

Communications Technology (DICT) Secretary Henry Aguda (second from left) and Department of Economy,

(DEPDev) Secretary Arsenio Balisacan (third from left) lead the signing of the implementing rules and regulations (IRR) of the

Act. This is in response to the directive of President Ferdinand Marcos Jr. to provide every Filipino with fast, reliable and affordable connectivity.

historic

towards a more connected nation and the digital future of the Bagong Pilipinas.

THURSDAY, NOVEMBER 6, 2025

PSEi sinks on tech jitters; peso dips to 58.83 a dollar

By Jenniffer B. Austria

PHILIPPINE shares sank Wednesday, with global market weakness fueled by concerns over a possible tech bubble offsetting positive news about steady October inflation data.

The Philippine Stock Exchange index (PSEi), the country’s stock barometer, closed at 5,818.06, down 48.98 points, or 0.83 percent. The broader all-shares index ended at 3,534.38, lower by 24.50 points, or 0.69 percent.

The peso likewise depreciated to 58.83 to the U.S. dollar Wednesday from 58.515 Tuesday.

“The Philippine market closed lower amid heavy selling pressure, despite inflation figures aligning with expectations,” said Luis Limlingan, head of sales at Regina Capital Development Corp.

The Philippines’ annual headline inflation rate held steady at 1.7 percent in October 2025, matching the pace seen in September 2025, according to the Philippine Statistics Authority.

“However, the upcoming release of GDP data and corporate earnings from major index constituents will likely influence market sentiment and determine the market’s next direction,” Limlingan said.

Asian stocks also closed lower after U.S. stocks fell Tuesday, weighed down by declines in artificial intelligence-related names. Analysts said investors grew increasingly cautious about lofty valuations among the market’s leading gainers.

All indices ended in red, led by mining and oil, which dropped 3.62 percent. This was followed by holding firms, which went down by 1.3 percent, and property, which dropped by 1 percent.

The market closed with 53 gainers, 137 decliners and 61 unchanged. Market turnover stood at P4.54 billion. Foreign investors were net buyers, with inflows at P339.58 million.

Metropolitan Bank & Trust Co. was the day’s top index gainer, climbing 2.26 percent to P68, while Aboitiz Equity Ventures was at the bottom, declining by 4.78 percent to P26.90.

URC continues clean-up, aid after molasses spill

By Othel V. Campos

UNIVERSAL Robina Corp. (URC) said Wednesday it remains focused on assisting families affected by the accidental release of organic molasses-based wastewater and on completing repairs to a damaged dike.

The spill occurred after the wall of a rented lagoon gave way. The company said in a statement it is also repairing the main dike that was damaged by recent earthquakes and heavy rains.

Latest seawater quality tests—conducted jointly with the Philippine Coast Guard, the Department of Environment and Natural Resources–Tañon Strait Protected Seascape and Silliman University—show improving levels of dissolved oxygen and pH, as well as clearer water in previously affected areas. Marine life has also begun to return to zones that were earlier discolored, URC said.

URC noted that it is in close coordination with the DENR and other stakeholder agencies to deploy experts to help contain the spilled wastewater within a limited area and guide the company, local government and other authorities on how best to foster marine regrowth and recovery.

The company said a recent typhoon did not compromise the integrity of the main dike or worsen seawater conditions, although it caused delays in the repair timeline.

NATURE investments do not produce the traditional profit or return that we see in accounting books.

But when it comes to the same basics, investing in nature yields profit or economic gains, creates jobs and expands a country’s wealth.

The floods in Cebu and the destruction wreaked by typhoon Tino in the rest of Visayas could have been minimized had forests been restored and waterways cleaned up.

Investing in nature-based solutions (NbS) such as mangrove protection and reforestation are mitigating measures that create livelihoods, reduce disaster risks, save lives and conserve government resources.

The Asian Development Bank (ADB) last week patiently explained the link between investing in nature and economic expansion.

The bank’s Asia-Pacific Climate Report 2025 offered a 10-year roadmap to integrate nature into the region’s economic and financial systems for a more resilient future.
Protecting ecosystems could unlock major gains in jobs, productivity and fiscal resilience, according to the new ADB report.

Investing in nature is vital, the report notes, as 75 percent of Asia’s output comes from sectors that depend moderately or heavily on nature, which is degrading at an alarming rate.

Repair work is now 60 percent complete and is projected to be fully finished by Nov. 4, 2025. Full completion of the added reinforcement is now targeted for Nov. 14 to ensure the structure can withstand extreme weather, tides and seismic activity. The new dike will be reinforced with rubber tires and boulders to prevent a repeat of the Oct. 26 breach.

A total of 127 personnel, supported by 20 Coast Guard members, are de-

ployed at the Bais Distillery lagoon site.

URC said it continues to provide assistance to affected families and will do so until the situation returns to normal. The company also said it is working with the DENR and other experts to assess long-term rehabilitation strategies for the marine area.

“Our support for affected families and communities will remain steadfast until conditions are fully restored,” URC said in the statement.

AWARD. Frederic DyBuncio, SM Investments Corp. president and chief executiver celebrates the company’s Platinum Award for Asia’s Best Materiality Reporting at the 11th Asia Sustainability Reporting Awards (ASRA) in Singapore.

D&L income up 8% despite high coconut oil prices

D&L Industries Inc. reported an 8 percent year-on-year increase in recurring income to P1.95 billion in the first nine months of 2025, driven by resilient volume growth despite elevated coconut oil prices. Recurring income rose 12 percent year-on-year to P554 million in the third quarter, the company said Wednesday in a disclosure to the stock exchange.

“The operating environment remains challenging, with coconut oil prices reaching a new all-time high in the third quarter. At its peak, prices have nearly tripled from the lows recorded just two years ago,” said Alvin Lao, D&L president and chief executive. Lao said the company continues to focus on research and development.

“While we cannot control commodity price movements, we can control how we navigate these challenges and where we direct our focus and resources. In this volatile environment, we continue to stay true to our core—investing in R&D and innovation,” he said.

Coconut oil, a key raw material for D&L, saw its average price surge 78 percent year-on-year during the period, reaching nearly $3,000 per metric ton in the third quarter. This pushed blended margins down by 3.2 percentage points in the first nine months of 2025.

Despite this, total volume rose 11 percent year-on-year, supported by both high-margin specialty products and commodities.

D&L said margins are expected to recover once commodity prices normalize. Lao added the company could have sold more products if coconut prices were not so high. The company remains “cautiously optimistic” for the rest of the year, citing easing inflation and interest rates that could help spur economic activity. Jenniffer B. Austria

Investing in nature is about growing the economy

It’s ADB’s way of saying that nations should protect the environment―a productive asset― to sustain livelihoods and the economy in general.

The report called on governments to make protecting nature a core part of how their economies operate. It urged countries to upgrade their “operating system”―the governance, policy and data foundations that guide investment―to create the enabling conditions for private finance to flow into conservation, resilience, and innovation.

“Healthy ecosystems are not environmental extras in the region’s growth story. They are productive assets at the core of Asia’s growth and resilience,” says ADB chief economist Albert Park

“Countries that invest in nature are investing in their own competitiveness and fiscal stability,” he said.

ADB sees nature as undervalued and underfinanced. Of more than $270 trillion in global financial assets, notes the ADB, about $200 billion a year―less than 1 percent―supports nature-positive investments.

“These include sustainable farming, such as growing diverse crops that improve soil and biodiversity, or using wetlands and mangroves, which not only manage floods but also improve water quality, store carbon, and

The floods in Cebu and the destruction wreaked by typhoon Tino in the rest of Visayas could have been minimized ...

support fisheries,” says the ADB. Closing the biodiversity and climate financing gap in Asia and the Pacific will require over $1 trillion annually.

The ADB further said that public finance should focus on building the systems that attract private investment. By directing public resources toward governance, policy and data reforms, governments can unlock large-scale private capital for nature-positive growth, the bank said.

The ADB report presents a 10-year road map to help economies bring nature into economic and financial systems, recognizing that each is starting from a different place.

It calls for near-term actions including subsidy reform, natural-capital accounting and planning at the right spatial scale, which can extend beyond national borders.

Longer-term reforms, the bank adds, focus on aligning governance, data and finance to deliver

both environmental and economic benefits.

The ADB acknowledged that economies in Asia and the Pacific are already taking steps to value nature as productive capital and are well-positioned to lead the world in upgrading their economic systems to sustain long-term prosperity.

The World Economic Forum (WEF), a nonprofit organization, echoed ADB’s concerns. NbS, it says, are the most cost effective tool available to help vulnerable communities adapt to the reality of climate change.

“For example, mangroves, sea grasses and corals provide protection for humans and wildlife from both the causes and effects of climate change,” it says.

The WEF noted that NbS have the potential to supply around one-third of mitigation needs and could save $104 billion in adaptation costs by 2030.

“Degradation of the ocean and marine ecosystems risks costing the global economy around $8.4 trillion over the next 15 years, and the ocean is the most under-funded Sustainable Development Goal (of the United Nations),” the WEF said.

E-mail: rayenano@yahoo.com or extrastory2000@gmail.com

METRO RETAIL’S AWARD. Metro Retail Stores Group Inc. (MRSGI) independent director Medel Nera (center) accepts the Golden Arrow award from Institute of Corporate Directors treasurer Catherine HufanaAng (left) and ICD president Senen Matoto. MRSGI earned the award for a second time, reflecting its ongoing efforts to institutionalize good governance.

SMIC’S

BUSINESS

DOE drafts policy on multiple energy sites development

By Alena Mae S. Flores

THE Department of Energy (DOE) has released a draft department circular establishing a policy framework for the exploration, development and utilization of multiple energy resources in a single area.

The proposed policy aims to maximize the country’s diverse energy potential through an integrated and sustainable development approach, the DOE said in a statement Wednesday.

It outlines clear guidelines for the simultaneous exploration and development of different energy resources within a single area, promoting efficiency, environmental stewardship and coordination among relevant DOE bureaus.

The circular aims to establish a process for allowing simultaneous exploration, development and utilization (EDU) of multiple energy resources, create the Multiple Energy Resources Committee (MERC) and define its roles, provide parameters for simultaneous EDU by recognizing prior rights between and among energy contractors and developers, and resolve issues concerning multiple and/ or simultaneous EDU and ensure effective management.

Under the draft framework, the DOE proposes the establishment of the MERC to strengthen inter-bureau collaboration, promote accountability and uphold the fair recognition of prior rights among existing contract holders.

The committee will serve as a central coordinating body among DOE bureaus and offices to harmonize project planning, prevent overlaps and ensure compliance with all standards.

The DOE held a public consultation on the draft circular last Oct. 30, 2025, at the F1 Hotel Manila in Bonifacio Global City.

DOE Undersecretary Felix William Fuentebella said during the event that stakeholder participation is central to formulating sound and inclusive energy policies.

He emphasized that collaborative policymaking allows the DOE to integrate on-the-ground insights from industry players, local government units and partner agencies.

“Collaboration ensures that our policies are grounded, inclusive, and forward-looking,” Fuentebella said.

“The insights shared will help the DOE strike a balance between development, sustainability, and the responsible use of our resources.”

This initiative reflects the DOE’s continuing efforts to advance energy resiliency, security and sustainability in line with the Philippine Energy Plan 2023-2050.

DOE prepares January 2026 auction for 170-MW waste-to-energy projects

Department of Energy (DOE) has issued the draft terms of reference for the auction of waste-to-energy (WTE) projects with a total capacity of 170 megawatts

The DOE plans to hold the WTE auction in January 2026. WTE refers to an energy system that converts non-recyclable waste materials into usable heat, elec-

Under the draft guidelines for the Green Energy Auction 6 (GEA 6), the DOE said the special auction round shall be conducted exclusively for WTE projects using thermal combustion technology to process municipal solid waste (MSW)

PIDS: PH public schools face teacher shortages

By Thony Rose Lesaca

MANY public schools in the Philippines continue to struggle with hiring delays and vacant teaching posts despite the implementation of the Localization Law, according to the Philippine Institute for Development Studies (PIDS).

The Localization Law (Republic Act No. 8190), enacted in 1996, mandates the prioritization of teacher applicants residing in the same municipality as the school. The goal was to expedite and make the hiring process more inclusive.

However, a recent PIDS study found that teacher shortages still persist, even though the law has strengthened community involvement in education.

“The Localization Law has cultivated a stronger sense of community among teachers, students, and families, which serves as an essential component of a supportive educational environment,” the study said.

PIDS researchers said the law’s implementation continues to encounter obstacles, including bureaucratic delays, political meddling in hiring and a limited pool of eligible candidates in certain regions. Residency rules, they noted, have narrowed the hiring pool and slowed the recruitment process, as localization can also lead to the exclusion of qualified teachers from other areas.

The study also cited implementation inconsistencies including mismatches in teacher specialization, a lengthy hiring process, and weak monitoring and assessment mechanisms.

PIDS further flagged the gaps in capacity and consistency under the decentralization of education management outlined in the Governance of

ders shall be entitled to the Green Energy Tariff (GET) only if their WTE facilities are covered by a valid and effective biomass energy operating contract or wasteto-energy operating contract (WTEOC).

Winning bidders must also have an assured feedstock for their respective WTE projects from the concerned HUC or clustered LGU.

Offers received will be automatically ranked by the electronic bidding platform from the lowest to the highest bid price and stacked until the installation target per lot is met, with the lowest bid prices being considered first.

“As an emerging renewable energy technology, WTE project development is one of the country’s strategies to address solid waste management, serve as flood control mitigation, and provide additional clean energy,” the DOE said earlier.

Based on 2024 Solid Waste Generation data from the National Solid Waste Management Commission (NSWMC), Metro Manila and HUCs generate an estimated 6.12 million metric tons of MSW, equivalent to 335 megawatts of baseload power.

Stockholders who will participate in the SSM by remote communication should pre-register at https://tinyurl.com/TOPSSM2025 on or before November 25, 2025. Successful registrants will receive an email invitation with a complete guide on how to join the SSM and how to cast votes in absentia. For any registration concerns, please contact investorrelations@topline.ph. Please refer to the Definitive Information Statement on the guidelines for voting at the CorporationÕs website at topline.ph. Only stockholders who have successfully registered within the prescribed period, together with the stockholders who voted in absentia and by proxy, will be included in the determination of quorum.

Proxies, in the form provided by the Corporation, must be submitted to the CorporationÕs Corporate Secretary, at the Principal Office of the Corporation, or through investorrelations@topline.ph not later than November 25, 2025. The proxies shall be validated on December 1, 2025 at the Principal Office of the Company. The Corporate SecretaryÕs decision shall be final and binding on the shareholders. WE ARE NOT, HOWEVER, SOLICITING PROXIES.

Stockholders may send their questions about the SSM and the Corporation to its Investor Relations Officer at investorrelations@topline.ph.

Basic Education Act (RA 9155). While decentralization has helped improve the speed of hiring teachers, it also highlights the need for clear guidelines in the hiring process, researchers said.

The combined effect of confusion over the “bona fide residency” qualification and a shortage of qualified local applicants has led to weakened compliance and inconsistencies across school divisions.

“Ultimately, strengthening recruitment systems, improving teacher well-being, and ensuring equitable access to quality education are critical to building a more inclusive, responsive, and resilient education sector,” the researchers said.

To achieve this, PIDS calls for the establishment of a robust monitoring and evaluation framework to track teacher qualifications, residency status and recruitment outcomes at the school level. They also suggested implementing localized incentive programs and modernizing recruitment systems to shorten hiring times and improve teacher specialization matching with school needs.

of Directors and Corporate Officers

7. Amendment of Articles of Incorporation ● Article I Corporation Name ● Article VI Number of Independent Directors 8. Amendment of Corporation’s By-Laws ● Article II Place of Meeting Section 3 ● Article II Notice of Meeting Section 4

● Article II Quorum Section 5

● Article II Conduct of Meeting Section 6

● Article II Manner of Voting Section 7

● Article III Qualification of a Director Section 8

9. Appointment of External Auditor for year ending 2025

10. Election of the 2025 Board of Directors

11. Other Matters

12. Adjournment

Only stockholders of record as of 9 November 2025 are entitled to notice and to vote at this meeting.

Stockholders can attend and participate in the meeting remotely via Zoom communication. Stockholders also have the option to vote in absentia or appoint the Chairman as proxy.

Stockholders who intend to attend by remote communication shall inform the Company by email to

For individual stockholders, the submission must be accompanied by a copy of a government issued ID as proof of identification During the meeting, the Board shall entertain questions and comments after the presentation of the Annual Report. Questions which were not answered during the meeting shall be forwarded to the Office of the Corporate Secretary for appropriate response via email.

For ASM-related queries, please email to acemczamboanga@gmail.com or contact the Office of the Corporate Secretary (Investment Relations Office) at +63 917 779 9816. For shareholding concerns, please contact +63 917 779 9816 or

by

and 50 percent

The DOE said this initiative is aligned with the objectives of the Philippine Energy Plan (PEP) and the government’s renewable energy targets of 35 percent in the

CYAN MAGENTA YELLOW BLACK

CYAN MAGENTA YELLOW

HEALTH APP. Laguna Governor Sol Aragones unveils the GOB SOL App on Nov. 5, 2025, introducing a breakthrough digital platform that offers free medical check-ups, e-prescriptions, and medicines for every Lagunense. The newly launched app, currently available for Android users, is designed to make healthcare services more accessible and efficient through digital innovation. In its initial rollout, the GOB SOL App is open to residents of San Pablo, Calamba, Los Baños, Santa Rosa, Cabuyao, and Mabitac, with plans to expand to more areas across the povince soon. Roy Tomandao

New law may attract 7 foreign telcos to invest in PH

By Darwin G. Amojelar

THE Department of Information and Communications Technology

(DICT) expects at least seven foreign new telecom players to enter the Philippine market within the next few years, following the signing of the implementing rules and regulations (IRR) for the “Konektadong Pinoy Act” on Wednesday.

DICT Secretary Henry Aguda told reporters that while they expect seven potential new entrants, “maybe two will hit the ground running.” Aguda estimated that each new entrant is expected to invest between

$1 billion and $1.5 billion.

The signing of the IRR, which marks a historic step towards a more connected nation, was led by Aguda and partners from various government agencies.

These officials included Secretary Arsenio Balisacan of the Department of Economy, Planning and Development; Secretary Vivencio Dizon of the Department of Public Works and Highways; Secretary Juanito Victor Remulla of the Department of the Interior and Local Government; acting Secretary Giovanni Lopez of the Department of Transportation; Commissioner

Ella Blanca Lopez of the National Telecommunications Commission; and Chairperson Michael Aguinaldo of the Philippine Competition Commission.

The new IRR aims to make it easier for new internet service providers to enter the market, open up competition in the industry and expedite the process of obtaining permits and registrations to reduce the cost of connection.

A key part of this is the implementation of the “Dig Once Policy,” where fiber cables will be laid simultaneously in public projects to save time and costs.

STATE-RUN Land Bank of the Philippines reported a 42 percent year-on-year net income growth to P35.65 billion in the first three quarters of 2025, surpassing its full-year earnings of P35.36 billion in 2024, underscoring the bank’s robust financial performance.

Total assets expanded to a record P3.45 trillion, supported by growth in loan and investment portfolios, solidifying LandBank’s position as the country’s second-largest universal and commercial bank in terms of assets.

LandBank president and chief executive Lynette Ortiz attributed the strong performance to prudent management, operational efficiency and continued investments in digital innovation, affirming the bank’s commitment to driving inclusive growth and empowering the agriculture sector.

The bank’s loan portfolio reached a peak of P1.70 trillion, propelled by the higher volume of loans across all segments.

Deposits also rose to a new high of P3.07 trillion, demonstrating continued trust from both government and private sector depositors.

LandBank’s digital transformation accelerated, processing 550.73 million digital transactions valued at P3.14 trillion as of September 2025, representing a 51-percent increase in

volume from the previous quarter. The bank said that in line with its developmental mandate, its outstanding loans to agriculture, fisheries and rural development (AFRD) reached over P812 billion, accounting for over 47 percent of its total loan portfolio. Through the flagship AGRISENSO Plus Lending Program, the bank has extended P1.95 billion in loans as of September 2025 to over 12,300 borrowers since its launch last year, most of whom are small farmers and fishers. The program has also trained a total of 25,296 small farmers and fishers through its capacity-building component.

LandBank’s nationwide network continued to expand with 10,582 touchpoints, including 609 branches, 60 lending centers, 3,244 automated teller machines (ATMs) and 1,091 LANDBANKasama partners, ensuring broad access to financial services. Customers can also transact free of charge at over 3,800 7-Eleven ATMs nationwide through the bank’s partnership with Pito Axm Platform Inc. (PAPI).

By Jenniffer B. Austria

MONDE Nissin Corp., the Philippines’ largest maker of instant noodles and biscuits, said Wednesday its net income in the first nine months of 2025 grew 9.6 percent to P6.7 billion, boosted by higher gross profit, lower operating costs in its meat alternative business and foreign exchange gains.

Third-quarter net income climbed 13.4 percent year-on-year to P2.3 billion, the company said in a disclosure to the stock exchange. Consolidated revenues in the ninemonth period increased 3.5 percent to P63.3 billion, while third-quarter revenue grew 3.8 percent year-onyear to P21.8 billion.

Monde Nissin chief executive Henry Soesanto attributed the bulk of the third-quarter revenue growth to the group’s Asia-Pacific Branded Food and Beverage (APAC-BFB) segment, supported by volume growth in biscuits and other categories.

APAC-BFB’s net sales in the first nine months grew 4.4 percent to P53.3 billion, with third-quarter revenues up 4 percent. The domestic business posted a 5.2 percent increase for the first nine months and 5.1 percent growth in the third quarter.

Revenues from the meat alternative business declined 3.9 percent for the first nine months and by 1.1 percent in the third quarter.

Soesanto noted that while a strong start to October with record domestic sales was encouraging, the company remains cautious about uncertainties in the fourth quarter.

IN BRIEF

COINS.PH chief executive Wei Zhou has launched a campaign to educate overseas Filipino workers (OFWs) in Hong Kong about using stablecoins for faster and more affordable remittances to the Philippines to address the high fees and multi-day delays of conventional transfer methods.

Zhou, head of the leading licensed crypto and digital wallet in the Philippines, delivered a presentation titled “Leveraging Stablecoin Technology for Fast, Affordable Money Transfers” at the “Financial Literacy & Digital Adoption Program for the OFW Community.”

The event was organized by the Fintech Alliance Philippines in collaboration with the Overseas Workers Welfare Administration.

Zhou noted the growing global acceptance of stablecoins—a type of

STI Education Systems Holdings Inc., which operates the Philippines’ largest network of private schools, reported a 38-percent surge in net income to P2.22 billion for the fiscal year ended June 30, 2025, up from P1.61 billion a year earlier, led by continuous growth in enrollment and revenues.

Revenues for the period increased 18 percent to P5.56 billion from P4.7 billion in fiscal year 2023–2024.

This was primarily attributed to a 15-percent growth in total enrollment, which reached an all-time high of 138,060 students for School Year 2024–2025, compared with 119,543 students the previous year.

Operating income rose 33 percent to P2.36 billion from P1.78 billion, a result of the higher revenues and efficient cost management.

Operating margins also improved to

43 percent from 38 percent. Earnings before interest, taxes, depreciation and amortization (EBITDA) grew 27 percent to P3.15 billion from P2.49 billion.

Programs regulated by the Commission on Higher Education (CHED) accounted for 73 percent of the total enrollment and saw a 20-percent increase to 100,161 students.

STI Education Services Group (STI-ESG) remained the main growth engine, with 84,122 students in owned schools, up 17 percent from the previous year, and 37,252 in franchised schools, up 16 percent.

STI West Negros University in Bacolod City, following its grant of Autonomous status by CHED, enrolled 14,503 students, a 9-percent increase from a year earlier. Meanwhile, iACADEMY maintained

a strong performance in creative, design, and technology-focused programs with 2,183 students.

“Building on our strong performance in School Year 2024–2025, we are committed to delivering quality education through continued focus on academic innovation and digital integration,” said STI Holdings president and chief executive Monico Jacob in a statement to the stock exchange Wednesday.

“We remain focused on optimizing our nationwide education network and building capacity that strengthens our leadership in the Philippine education sector,” he said.

STI Holdings operates 66 schools across the country, including 63 under STI-ESG. The company’s fiscal year aligns with its academic calendar, running from July 1 to June 30 of the following year. Jenniffer B. Austria

digital money with a fixed value— emphasizing their emerging role in cross-border payments.

“The future of cross-border payments is digital, and stablecoins are at the forefront of this shift,” said Zhou.

“This opportunity allowed us to engage directly with the OFW community, reinforcing our commitment to financial inclusion and educating them on how digital adoption can lead to greater financial empowerment and security for their families back home,” he said.

Hong Kong is a major source of remittances to the Philippines, accounting for roughly 3 percent of the total volume and ranking among the top 10 countries. An estimated 200,000 OFWs reside in the special administrative region.

their co-brand partnership, reaffirming their shared commitment to elevate the travel and financial experiences of Filipinos. Attending the ceremonial signing at the Lucio K. Tan Jr. Center in Pasay City are LT Group Inc. and PAL Holdings Inc. president and chief operating officer Lucio Tan III with PNB president and chief executive Edwin Bautista, PAL president Richard Nuttall, and key executives from both organizations.

Coins.ph chief executive Wei Zhou highlights stablecoin potential for overseas Filipino workers at Hong Kong financial literacy event organized by the Fintech Alliance Philippines, in collaboration with the Overseas Workers Welfare Administration.

Filipino-Chinese business leaders attend world confab

By Julie Ann Lope

THE Federation of Filipino Chinese Chambers of Commerce and Industry, Inc. (FFCCCII), led by its president Victor Lim, attended the 18th World Chinese Entrepreneurs Convention held at The Venetian Macao Resort Hotel from Nov. 2 to 4, 2025.

Sponsored by the Macao Chinese Chamber of Commerce, the event welcomed 4,000 participants including senior political advisors, government officials and representatives of Chinese entrepreneurs and scholars from more than 50 countries and regions.

Under the theme “Working Together to Build a Community of Shared Future for Chinese Entrepreneurs,” the convention sought to enhance connections within the worldwide Chinese business community, encourage cross-

PH joins 2025 ASEAN-Haikou Dialogue

THE Philippine Consulate General in Guangzhou participated in the 2025 Dialogue between ASEAN Consulates General in Guangzhou and the Haikou Municipal Government from Oct. 29 to 31 in Haikou, Hainan Province.

ASEAN diplomats, local officials and business leaders attended the event to discuss enhancing economic cooperation, investment opportunities and the progress of Hainan’s independent customs operations, a crucial development in the province’s transformation into a fully operational Free Trade Port.

Consul Jan Michael Gomez met with Wang Yuyuan, vice president of the Hainan Provincial Council for the Promotion of International Trade (CCPIT Hainan) and representatives from the Hainan International Chamber of Commerce.

They explored ways to strengthen trade and investment ties between the Philippines and Hainan.

Both sides highlighted the positive momentum since the signing of a memorandum of understanding (MOU) between CCPIT Hainan and the Philippine Chamber of Commerce and Industry (PCCI) in April 2025, as well as the Philippine coffee industry’s participation in the inaugural Hainan International Coffee Conference last August.

Trade between the Philippines and Hainan continued to grow in 2024, reaching $840 million, reflecting Hainan’s increasing significance as a key provincial trading partner for the Philippines in China. Julie Ann Lope

The Philippine Consulate General reaffirmed its commitment to deepen engagement with Hainan and to promote stronger ASEAN–China cooperation through enhanced trade, tourism and cultural exchanges.

FFCCCII gives medicines to Pandan residents

border cooperation and support the development of the Guangdong-Hong Kong-Macao Greater Bay Area.

Discussions covered topics such as “The Future of the Greater Bay Area: Collaborative Development of New Quality Productive Forces,” “Innovative Development of Traditional Chinese Medicine in the Age of Modern Healthcare,” “Technology and Modern Finance: Convergence of Innovation and Opportunities,” as well as “The Journey of

Young Chinese Entrepreneurs.” Delegates also visited Hengqin and other local cultural attractions, and participated in a charity golf tournament at the Macau Golf & Country Club.

A business matching session was also held to foster new partnerships.

Since its inception in 1991, the World Chinese Entrepreneurs Convention has upheld the principles of promoting exchanges, enhancing cooperation, and fostering joint development.

Friendship association tours China’s Silk Road

It has become an important global platform for Chinese entrepreneurs to strengthen ties and pursue shared growth.

Song competition fosters PH-China friendship

By Michael Wong Ho

SPONSORED by the Quanzhou City Overseas

Chinese Affairs Office, the “2025 World Minnan Dialect Songwriting and Singing Competition

Philippines District Contest” was held on Oct. 28 at the Federation Building in Binondo, Manila. Twenty-six talented singers participated in the competition.

Filipino-Chinese community leaders, including Federation of Filipino Chinese Chambers of Commerce and Industry Inc. (FFCCCII) president Victor Lim, attended the event and showed their support.

Lim encouraged the singers, saying they represent the future and hope of fostering friendship between the Philippines and China.

He urged the young talents to draw inspiration from the rich Minnan culture, use their musical talents to promote friendship and share this cultural bond with their fellow countrymen.

Lim also highlighted that Quanzhou and Jin Jiang are the hometowns of most Filipino-Chinese, and that Minnan Dialect is a popular language among the community.

He cited the importance of maintaining Minnan dialect skills and cultural characteristics within Filipino-Chinese families.

Lim pointed out that Minnan Dialect songs serve as a vital foundation for preserving and spreading Minnan culture.

He encouraged the younger generation to learn and use these songs to strengthen cultural ties and foster communication with Chinese abroad.

Sea King Pharma donates medicines worth over P2m

SEA King Pharma Inc., a leading pharmaceutical company in the Philippines, donated medicines worth over P2 million to the Federation of Filipino Chinese Chambers of Commerce and Industry Inc. (FFCCCII).

Sea King Pharma operating director Chen Zhi Qian, who is also an appointed member of the FFCCCII Political and Legislative Liaisons Committee, delivered the donation on Oct. 28, 2025. The donation included six types of essential daily-use medicines. FFCCCII president Victor

THE Federation of Filipino Chinese Chambers of Commerce and Industry Inc. (FFCCCII), donated medicines to residents of Pandan town in Catanduanes. Pandan vice mayor Eric Rodriguez visited the FFCCCII headquarters on Oct. 23, 2025 to accept the donations and expressed his gratitude for the support.

Sea King Pharma Inc. donates medicines worth over P2 million to the Federation of Filipino Chinese Chambers of Commerce and Industry Inc. (FFCCCII).

Lim lauded Chen’s kindness and benevolence, highlighting his philanthropic spirit and ongoing support for marginalized groups and community health initiatives, particularly FFCCCII’s free medication project. Michael Wong Ho

The turnover ceremony was presided over by FFCCCII Social Responsibility Committee codirector Xu Huan Ran. FFCCCII vice president William Yap Castro also donated Gibi sports shoes, produced by his own company, to further support the community.

FFCCCII continues to prioritize

its free medication projects aimed at grassroots communities, particularly squatters and residents affected by disasters. The initiative has received widespread praise from government officials and ordinary citizens for its positive impact on underserved population. Michael Wong Ho

THE Filipino Chinese Friendship Association, under its president Danny See, organized a 12day journey along the Silk Road to promote cultural exchange, heritage appreciation and friendship among participants.

Former Senator Nikki Coseteng, a FilipinoChinese with roots in Xi’an, China, led the tour.

The trip started with a layover in Beijing before flying to Xinjiang, China’s largest province. Xinjiang is known for its diverse culture and is strategically located near eight countries: Russia, Afghanistan, India, Kazakhstan, Kyrgyzstan, Mongolia, Pakistan and Tajikistan.

Participants visited the northern areas of the Silk Road, including Urumqi, the region’s remote capital. They experienced Uyghur culture through traditional dances, songs and local food.

The group traveled along the northern stretch of the Silk Road, the S21 Desert Highway and the Gurbantunggut Desert, seeing impressive rock formations and caravan of camels. They learned about efforts in desert reforestation to turn parts of the desert into green spaces.

Highlights of the trip included a visit to Wucai Beach on the Irtysh River, known for its colorful valleys and rugged terrain, and Kanas Lake in the Altai Mountains. Kanas Lake is famous for its bright turquoise waters and mystical scenery created by melting glaciers and sunlight. Local legends talk about a water dragon living in its depths, adding mystery to the lake.

The group also visited a Tuva community, where they experienced traditional throatsinging, folk dances and warm hospitality. They learned about the Tuva people’s nomadic history, their crafts and their rich culture. They explored Demon City in the Junggar Basin near Karamay, known for its windshaped rocks that look like castles, sphinxes and mysterious sculptures resembling a sinking Titanic. The landscape is often called “Ghost City” because of its eerie beauty.

The group also experienced the Sayram Lake near the Kazakhstan border. Sitting at 6,790 feet above sea level, the lake is surrounded by snow-capped mountains. It is famous for its breathtaking views and legends of lovers’ tears that formed the lake, earning it the nickname “the last tear of the Atlantic.” They enjoyed the stunning scenery despite the cold weather, with temperatures dropping to 1°C. Julie Ann Lope

The Federation of Filipino Chinese Chambers of Commerce and Industry Inc. (FFCCCII), led by its president Victor Lim, attends the 18th World Chinese Entrepreneurs Convention at The Venetian Macao Resort Hotel from Nov. 2 to 4, 2025.

Former Senator Nikki Coseteng, a FilipinoChinese leader with roots in Xi’an, China, leads the Silk Road tour.

The Quanzhou City Overseas Chinese Affairs Office sponsors the ‘2025 World Minnan Dialect Songwriting and Singing Competition Philippines District Contest’ on Oct. 28 at the Federation Building in Binondo, Manila.

TTHURSDAY, NOVEMBER 6, 2025

lifeandshow.manilastandard@gmail.com

NICKIE WANG, Editor

ANGELICA VILLANUEVA, Writer

JASPER VALDEZ, Writer

Streaming giant Spotify hits record users, ends quarter on high note

MUSIC streaming giant Spotify said Tuesday that it had 713 million active users at the end of the third quarter, while paying subscribers rose 12 percent to reach 281 million.

Revenue rose by seven percent to 4.3 billion euros ($4.9 billion), beating the company’s guidance of 4.2 billion euros.

The increase was driven by the growth of its paying subscribers, and despite a decline in advertising, the Swedish company said.

The next ones

Isha Ponti, Andrea Gutierrez make sweet music as OPM’s next stars

By Nickie Wang

The show, directed by Calvin Murphy Neria with musical direction by Adonis Tabanda, aims to showcase the next generation of Filipino performers mentored by veterans in the music industry.

“We want to manifest that they will be the next ones in line,” Neria said. “They have the drive and determination to make it in the music scene.”

Neria and Tabanda worked closely with the young artists to craft a setlist that highlights their individuality.

“I will not force them to sing songs that are not suited to them,” Neria said.

“The goal is to show their brand and let them enjoy performing their kind of music.”

Both Ponti and Gutierrez, once front acts for senior artists, now have the cre-

the US way back in the ’90s, and the other members of my US-based kin who fetched me said that I had been welcomed by fall since the weather was significantly colder than the previous days. Being a man from Metro Manila, it meant so much to instantly feel that cool weather without a typhoon and also see the wider roads and open spaces that

“The business is healthy,” Spotify’s founder and CEO Daniel Ek said in a statement. “It all comes back to user fundamentals and that’s where we are: 700 million users who keep coming back, engagement at all-time highs,” he added.

Operating income rose 28 percent to 582 million euros, while net income more than doubled to 899 million euros.

Spotify also said it was expecting to reach 745 million active users and

289 million paying subscribers by the end of the year. In late September, Spotify announced that Ek would be stepping down as CEO on Jan. 1

ative freedom to define their identities.

“Andrea is the bossa nova princess and I’m the pop sweetheart,” Ponti said. “We’ll prove to people what we’re good at.”

Tabanda, who has worked with the two artists since their early years, said the concert will feature performances tailored to their vocal strengths. “Isha and Andrea can do so much more,” he

said. “This concert will elevate what they can do.” The Next Ones will also pay tribute to veteran singer-composer Rey Valera, who will appear as a special guest.

Valera personally guided the singers in recording his classics “Kung Maaalala Mo Ako” and “Walang Kapalit,” reinterpreted by Ponti and Gutierrez, respectively.

Valera’s support left a mark on the young artists. “He always tells me, ‘Ituloy mo lang ’yan,’” Ponti said. “Those words keep me going when challenges come.” Despite early doubts, both singers see the concert as a milestone. “We may not be in the mainstream yet, but this is our start,” Ponti said. Also performing in the concert are Nathan Randall, P-pop group Div9 the group Aster, and 11-year-old WCOPA performer Maurice as front acts.

Welcome sights and sounds

mountainous California offers. I woke up the following day excited to go out for the morning breeze that required sweaters, despite the jet lag

Everywhere I went during those first days in the US felt like being escorted to a new world of wonders. I witnessed a Christmas tree lighting spectacle in Victoria Gardens in the city called Rancho Cucamonga, where I got to mingle with Californian locals for the first time.

When I was brought to a Barnes & Noble branch, I spent my first Saturday afternoon in California poring over books and observing how Americans behave inside a bookstore. We bought a book from an author who was promoting his newly published memoir by himself. He didn’t even have an assistant. I found that cool.

My sister and brother-in-law, Kuya Steve, even treated me to watch a stage musical featuring the music of The Beatles that same Saturday.

My parents first arrived in the US months after 9/11, and they became American citizens a few years later, before the 2000s ended. For some reason, it took a while for me to make the flight to the land of milk and honey that my late father Eulogio was so fond of.

While navigating my life as a music journalist and recording artist in the Philippines, he would revel me with stories that clearly showed he was enjoying living stateside. As if he needed to, he convinced me over and over that the US is the place to be. When he passed, I vowed to see that myself.

Just a couple of weeks after I landed in America, I got to see Las Vegas, which is a four-hour drive from where we are in San Bernardino County to the state of Nevada. I had experiences of the glitz and glam in the Philippines myself, being an entertainment journalist who got invited to countless such events. But to experience the Las Vegas nightlife for the first time was surreal. The people walking along Fremont Street didn’t

mind trends. They just dressed how they wanted to. One guy looked as if he had decided to wear the blanket he had used the night before. I admit he looked fine in his own right. Of course, as always, I would associate a particular time and place with a song or two. Interestingly, I only got to hear the new hit at the time, “Flowers” by Miley Cyrus, when I was already here in the US. Or maybe I just had no recollection of being in Manila and hearing it.

You can imagine how many times I’ve heard that song while I was acclimatizing myself to how things are in the US—from partying with some Fil-Americans I met in Los Angeles to driving around with my sister while the single

played on

a feeling it’s my signature piece, if there is a need to claim one in the future. More on that song later in my run.

There’s another track I would hear more often while spending my first weeks and months in the US: Edge of Seventeen by Stevie Nicks, a song from her debut solo album in 1981. The song has a John Lennon connection, as I later found out she wrote it partly to express her grief over Lennon’s death.

Every welcome wears out, and soon I experienced what it is to be truly living in the US, coming from the Philippines. It takes a certain kind of person to be able to fully embrace America. I think I fit the bill. Those first days will always be special and unrepeatable—only the beautiful music gave them a soundtrack.

The author (leftmost) shares his first breakfast in the US with his mother and sisters

The author makes his first visit to a Barnes & Noble store shortly after arriving in California

The author stands with TV host Boy Abunda (right), who wrote the foreword to his book ‘Rhythm & Bruise’

Musical director Adonis Tabanda (left) with Isha Ponti (center) and Andrea Gutierrez (right) speak about carving their own identities as rising OPM acts

Andrea Gutierrez (left) and Isha Ponti team up as co-headliners for ‘The Next Ones’

Breaking stereotypes and embracing inclusivity in beauty

By Jasper Valdez

BEAUTY should have no boundaries.

That’s the message actress and singer Angela Muji hopes to send as she embraces her newest role as the face of VIBBI by Viva Beauty. In an interview with Manila Standard

By Angelica Villanueva

THE holidays are getting a magical touch this year as Disney Store by SM spreads the spirit of giving with a range of thoughtful gift ideas for every Disney fan.

From themed apparel to collectible mugs, the store is brimming with items designed to bring smiles to both kids and adults this Christmas.

A local twist on Disney favorites Filipino fans can take home a piece of Disney magic with the exclusive “Mickey Mouse in The Philippines” collection. The line features Mickey exploring iconic local spots, with designs that celebrate the country’s vibrant spirit. The range includes apparel for adults and kids, plush toys, mugs, tote bags, and magnets—perfect keepsakes for travelers or anyone wanting a touch of nostalgia under the tree.

For kids: Playtime made magical Little ones can relive their favorite Toy Story moments with interactive talking action figures of Woody, Jessie, and Buzz Lightyear. The toys recognize each other and exchange familiar movie lines, turning any playroom into Andy’s world. For the dress-up enthusiasts, the Moana Story Play Dress and Spider-Man Costume promise hours of make-believe fun—perfect for aspiring adventurers and superheroes alike.

For siblings: Soft, snuggly, and full of cheer Classic Mickey and Minnie Mouse

Life, the Viva artist shared how the growing acceptance of cosmetics among all genders marks a significant shift in the way people view self-expression.

“It’s a great deal that people are accepting cosmetics now openly compared to before,” she said.

“That’s what cosmetics are for—it’s for everyone. It’s not for a certain type

of person only. It caters to everyone, and I’m so happy that we’re all accepting this and uplifting each other with cosmetics such as Viva Beauty.”

For Angela, makeup is more than a tool for transformation. It’s a form of empowerment. Having been passionate about beauty since childhood, she recalled experimenting with makeup as

early as age 12, inspired by her mother, who worked as a fashion designer and makeup artist.

“I just love how makeup can change your look and make you feel confident,” she said. “It’s very versatile. You can express yourself in so many ways.”

She admitted that her love for beauty stems from how it helps her express who she really is.

“When I put on makeup, I feel more myself,” Angela shared. “It’s not about hiding anything; it’s about highlighting what you already have.”

The young star, who gained attention for her performances in hit Viva One Wattpad adaptations Seducing Drake Palma and Ang Mutya ng Section E, said her connection to beauty goes hand in hand with self-acceptance.

She opened up about being bullied for her appearance when she was younger and how that experience shaped her outlook.

“I’ve learned to love myself for how I look,” she said. “People’s opinions about you don’t matter because, at the end of the day, it’s how you see yourself that counts. I used to get teased for being too

Share the love this Christmas

thin and for not having eyebrows, but I learned that those things don’t define who I am.” Angela also believes that confidence and kindness go hand in hand.

“For me, beauty is more than physical appearances,” she added. “Even if you’re pretty on the outside, it won’t matter if you don’t treat people well. A good attitude makes you truly beautiful.”

Beyond the camera, Angela finds joy in connecting with her fans.

“Whenever I see messages from people saying they feel beautiful because of what I said or did, it really warms my heart,” she shared.

“I just want everyone to know they’re enough. Confidence looks good on everyone.”

As she steps into this new chapter with VIBBI, Angela hopes to inspire others to embrace beauty in all its

Silent battle most Filipino women are facing alone

AS THE world marks Menopause

Awareness Month, a growing body of research is shedding light on a widespread but rarely discussed issue among Filipino women: the silence surrounding menopause and its toll on health.

A regional study found that 83 percent of women in Metro Manila experience menopausal symptoms, yet a large majority do not seek medical help. Experts estimate that about eight in ten Filipino women go through this life stage without professional support. Health specialists say this silence stems from long-held cultural attitudes that treat menopause as a natural, nonmedical phase. Many Filipinas associate it with the loss of youth, leading to a tendency toward pagtitiis — enduring symptoms rather than seeking care. The average age of menopause for Filipino women is 48, meaning many spend more than a third of their lives in

post-menopause. Studies show that 70 percent of respondents are unaware that menopause raises the risk of osteoporosis, while 88 percent do not know about its link to heart disease.

“The only thing most women know is that their period stops,” said Dr. Lilia Alzate, who has studied menopause awareness in the country.

Medical experts also warn that weak institutional support worsens the situation. Efforts by groups such as the Philippine Society of Climacteric Medicine and the Philippine Obstetrical and Gynecological Society to set up menopause clinics nationwide have been slowed by limited resources, lack of training, and hesitation to prescribe hormone therapy.

Symptoms such as fatigue, joint pain, anxiety, and mood swings remain common and can disrupt daily life. Studies show that 79 percent of women

experience psychological symptoms, while 89 percent report chronic tiredness. Prolonged estrogen loss can also increase the risk of heart disease and other long-term complications.

Recognizing these gaps, local wellness company Secondspring has launched a protein-based supplement tailored for women undergoing perimenopause and menopause. The product, Premium Women’s Blend, aims to support muscle and bone health through whey protein isolate, collagen peptides, and essential vitamins and minerals.

“Filipino women often endure this transition quietly — tiis lang,” said Secondspring founder Jasmin Vinculado “But staying silent doesn’t help. Our bodies have specific nutritional needs, and it’s time we addressed them.”

Secondspring is the first Philippine brand accredited with the global MTick® certification for menopause-

plush toys are a timeless choice, adding a cozy touch to the holidays. The Minnie Mouse Wedding Bride Plush and My First Mickey 2025 plush are especially charming—the former dressed in a satin gown, and the latter crafted with colors suited for a baby’s developing eyes.

For your special someone: Disney with style Show your love with fashion inspired by Disney icons. The Minnie Mouse Cardigan Sweater features a plush Minnie appliqué and relaxed fit for everyday wear, while the Boba Fett Baseball Jersey offers a sportier take, complete with embroidered Mandalorian details.

For parents: Tea time with a touch of magic Fans of Beauty and the Beast will appreciate the Mrs. Potts Sculpted Mug and Chip Mug, both intricately designed with golden accents. These pieces bring a bit of the enchanted castle into any kitchen—a perfect gift for those who enjoy their morning coffee with a dash of whimsy.

For friends on the go: Practical with personality

The Monsters, Inc. Scream Canister Water Bottle makes hydration fun, featuring a lid that releases “unrefined screams” for a lighthearted stress reliever. Functional and playful, it’s a fitting gift for busy friends who could use a laugh between meetings. Each purchase comes with the option of a Disney-themed gift box or bag, adding an extra sprinkle of joy to the holidays.

Shoppers who spend at least P4,000 in a single receipt from Dec. 1 to 31, at Disney

(center)

Exclusive Mickey and Minnie plush toys from Disney Store PH make for soft

sentimental holiday keepsakes

Interactive Buzz Lightyear action figures spark

moments straight out of ‘Toy Story’

The Moana Story Play Dress lets kids step into imaginative adventures inspired by the beloved explorer

The Minnie Mouse Cardigan Sweater brings cozy holiday style inspired by a Disney favorite

THURSDAY, NOVEMBER 6, 2025 lifeandshow.manilastandard@gmail.com

NICKIE WANG, Editor

ANGELICA VILLANUEVA, Writer

JASPER VALDEZ, Writer

By Jasper Valdez

FOR many Filipinos, love often means sacrifice—providing for family, working long hours, and putting everyone else first. But at a forum organized by Insular Life at Wolfgang’s Premier Lounge in Quezon City, the discussion challenged that familiar story with a simple and sobering reminder that love also means preparing for yourself.

“Real love is when you cut that intergenerational dependency,” said Insular Life senior vice president and chief marketing officer Rosalyn “Gae” Martinez. “Because we love our children, we shouldn’t depend on them. Let them have their own financial freedom, too.” Her words struck a nerve among guests who, like many in the country’s so-called “sandwich generation,” find themselves caring for both parents and children while pushing

Real love means planning ahead

their own needs aside.

The idea that children should one day shoulder their parents’ expenses is a deeply ingrained Filipino belief that the forum sought to rethink.

Held on Oct. 28, the event presented findings from the Retirement Readiness Index, which showed that Filipinos scored only 47 out of 100 in terms of preparedness for retirement.

The figure, according to Insular Life senior assistant vice president Abigail Magtibay, is not just a number but a wake-up call.

Young bodybuilders lift Japan’s ailing care sector

MUSCLES bulging, bodybuilder Takuya Usui settles a woman into her wheelchair at a Japanese care home, where jacked Gen Zers are helping to ease labor shortages in a struggling industry.

Gender stereotypes and poor pay have long discouraged young Japanese men from becoming caregivers, even as demand surges in a country with one of the world’s oldest populations.

However, Visionary, a firm based in the central city of Nagoya, has devised an unusual solution: enticing male bodybuilders into the care sector with perks that include paid gym time and subsidies for protein shakes.

“I used to find nothing appealing about this industry,” Usui, a former fitness trainer, told AFP.

But then, “I was told I can actually put my muscles to use in this job, and I thought: ‘Well, let’s give it a try.’”

At a care home near Nagoya, bodybuilder Usui easily lifts 65-year-old Madoka Yamaguchi from bed, feeds her, and helps with daily tasks. “He’s so muscular, I don’t worry he might drop me,” Yamaguchi said, comforted by his strength. Japan faces a severe caregiver shortage, with nearly four vacancies per applicant and a projected shortfall of 570,000 workers by 2040. Most caregivers are women over 40, as few men join the field.

Visionary CEO Yusuke Niwa, who once stood out as a rare young male carer, saw that making caregiving “cool” could attract recruits. He chose bodybuilders—“photogenic, hardworking, and inspiring”—as the ideal role models. In 2018, a decade after founding Visionary, CEO Niwa

“Retirement isn’t just about finances,” she said. “It’s emotional, it’s social. It’s shaped by health, family, and our mindset toward aging.”

To help Filipinos gauge their own readiness, the forum also introduced the Retirement Readiness Index Tool, a digital platform where users can check their personal retirement score.

Magtibay said the goal is to make retirement a topic that families can talk about openly.

“Those who discuss retirement with their families tend to be more ready

launched the “Macho Caregivers” campaign to remove the stigma around care work. Before that, the firm barely hired a carer a year, but applications surged after the campaign, attracting many young men.

Visionary hired 168 people in fiscal 2024 and expects sales to hit 2.2 billion yen ($14.4 million) by March 2026, about 10 times higher than before 2018. Most recruits are fitness enthusiasts, with bodybuilders getting perks like two hours of paid weight training daily.

Among them is 27-year-old ex-serviceman Hokuto Tatsumi, who said discipline from bodybuilding helps in caregiving.

Niwa said Japan’s care industry must adapt, as about 100,000 people quit jobs yearly to care for family members, with 300,000 more expected to juggle work and caregiving by 2030. Over the past two years, wheelchair user Yamaguchi and elite bodybuilder Usui have formed a friendship that highlights the heart of the job. “I first joined to build muscle,” Usui said, “but I learned there’s more to caregiving than meets the eye.” AFP

for it,” she explained. “Let’s normalize talking about retirement. Let’s make it part of everyday family conversations.”

That hesitation to talk about money and aging, said Insular Life chief transformation and risk officer Efren Caringal Jr., comes from cultural habits that don’t always work in our favor.

“We have great Filipino values like bayanihan, but others like utang na loob or mamayana don’t lend well to retirement planning,” he said.

Caringal pointed out that many adults still assume their children will take care of them, which creates a cycle of financial dependency.

“They’re not planning for their own retirement now and are just hoping their children will support them,” he said. “Sometimes that’s not enough.”

He added that through workplace programs promoting financial wellness, Filipinos can start building healthier money habits and long-term security.

For Insular Life senior vice president and chief product and innovation officer Jose Eduardo Ang, it’s never too late to begin.

“It’s never too late for a lifetime of security,” he said. “We’ve seen people close to retirement ask, ‘What can I still do?’ The answer is, you can still plan. You can still prepare.”

Ang encouraged mid-career professionals and older workers to start wherever they are.

“Retirement shouldn’t be a finish line,” he said. “It should be a stage in life where you finally enjoy the rewards of all your hard work.” In the end, the forum underscored that the truest expression of love is not about depending on family. It is about freeing them from that burden.

Morena glow: Celebrating beauty in every shade

FOR decades, the public and popular media have often equated beauty with fair skin. And this idea resulted in how Filipinas see themselves.

But times are changing. The natural warmth and richness of morena skin tell a story of individuality that deserves to be celebrated.

Embracing morena beauty means defining what it truly means to be beautiful and recognizing what truly stands out. It’s time for Filipinas to create their own standard of beauty, one that shows who they are instead of what society dictates.

As more Filipinas embrace their morena complexion, local skincare brand Primo+Skin is shifting focus from skin whitening to healthy, radiant skin through its Hydro Glow line.

The brand’s latest range emphasizes hydration and barrier care, with formu lations designed for the country’s hu mid climate and diverse skin types.

Grace Lim, CEO of Primology Solutions Inc., said the goal is to make skincare that fits the Filipina lifestyle and encourages confidence in one’s natural tone.

“Our goal has always been sim ple—to make skincare that under stands the Filipina,” shares Lim.

“We want women to feel confi dent in their natural skin tone and see ‘glow’ as a sign of health, not fairness.”

The Hydro Glow col lection features Niacin amide, which helps even

As Martinez put it, “Let’s take care of ourselves so our children can live their lives fully, too.” out skin tone, and Hyaluronic Acid, which retains moisture for smoother skin. The line includes a facial wash, toner, moisturizer, sunscreen, body lotion, and soap, all formulated to keep skin hydrated and balanced.

Primo+Skin’s message centers on redefining “glow” as a sign of health rather than fairness, urging women to care for and celebrate their natural complexion.

Insular Life’s Rosalyn “Gae” Martinez (center), Efren Caringal Jr., (right) and Jose Eduardo Ang (left) lead the discussion on shifting away from intergenerational financial dependency during the retirement forum

Insular Life senior vice president and chief product and innovation officer Jose Eduardo Ang encourages Filipinos to begin retirement planning at any stage in life

Insular Life senior assistant vice president Abigail Magtibay explains how the Retirement Readiness Index reflects Filipinos’ preparedness for their future needs

Primo+Skin

Care workers Takuya Usui (left) and Hokuto Tatsumi discuss their routines as part of a team reshaping perceptions of men in caregiving

The young Japanese bodybuilders train at the gym as part of a program that offers workout perks to attract young men to caregiving work

Bodybuilder and caregiver Hokuto Tatsumi (left) assists a resident with mobility training

a care home