Another Jump in Astrophysics: Early Galaxies Challenging Dark Matter Models, The field of astrophysics has always been rife with surprising discoveries, and the latest findings from cutting-edge telescope data are no exception. Recent observations have cast doubt on some long-held assumptions about the formation of the early universe, leading scientists to question whether our current cosmological models, including the standard ΛCDM (Lambda Cold Dark Matter) model, truly represent the intricacies of cosmic evolution. A Glimpse into Early Galaxies Data from advanced telescopes, like the James Webb Space Telescope (JWST), has shown that early galaxies, formed less than a billion years after the Big Bang, were much larger and more luminous than previously believed possible. According to traditional models, galaxies were expected to grow more gradually, accruing mass and light over billions of years. The revelation that such massive and bright galaxies existed so early in the universe’s history has prompted a reevaluation of the ΛCDM model. The Standard ΛCDM Model: A Quick Overview The ΛCDM model is a mathematical framework that has long been the backbone of Big Bang cosmology. It consists of three main components: A cosmological constant (Λ): This represents dark energy, an enigmatic force driving the accelerated expansion of the universe. Cold dark matter (CDM): Hypothetical matter that does not emit or interact with electromagnetic radiation, explaining the unseen mass that affects gravitational forces on large scales. Ordinary matter: The familiar atoms and particles that make up stars, planets, and everything else visible in the universe. This model is referred to as the standard model of cosmology because it is the simplest and most comprehensive framework that has so far provided a reasonable explanation for a wide range of astronomical observations, from the cosmic microwave background to the distribution of galaxies. Early Challenges and New Theories However, the discovery of unexpectedly large and bright early galaxies implies that our models might be missing key details about the dynamics of the early universe. If galaxies formed so rapidly after the Big Bang, alternative explanations may be necessary. These might include modifications to our understanding of gravitational interactions on cosmic scales or the introduction of new interactions between particles that do not fit into the current ΛCDM framework. Some astrophysicists are exploring models that propose dark matter behaves differently in the presence of extreme conditions, while others suggest entirely new mechanisms that accelerate the process of galaxy formation. These theories challenge the conventional narrative by suggesting that dark matter might not be a universal constant, or that additional factors, such as modified gravity theories, might come into play. The Future of Cosmological Exploration As these observations continue to be studied and debated, it is clear that our current cosmological models may need to be updated or expanded to align with this unexpected data. The insights gained from the JWST and similar telescopes will undoubtedly continue to push the boundaries of our understanding, leading to new theories that could redefine our comprehension of the universe’s origins and its early development. The journey of discovery is far from over, and the universe, as always, holds more mysteries yet to be revealed. Whether these findings lead to small adjustments in the ΛCDM model or prompt the development of entirely new paradigms, one thing is certain: astrophysics is entering an exciting new chapter.

After the booster doses were administered, there was a significant increase in COVID-related deaths—a troubling finding that contradicts the vaccines’ intended purpose. Dr. William Makis: There was zero benefit from COVID-19 vaccines, even in the “high risk populations” for COVID-19 Infection: age over 70 and in a long term care home setting. COVID-19 vaccines only hastened the deaths of those over 70. https://www.globalresearch.ca/study-reveals-covid-boosters-linked-millions-nursing-home-deaths/5872419

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REAL "JUSTICE" IS COMING!!!....WITH A NOOSE!!!!!! 💩💥 https://media.gab.com/cdn-cgi/image/width=568,quality=100,fit=scale-down/system/media_attachments/files/168/535/786/original/8e3dabc47c5cbc1b.png

20 feet of good, stout rope would prevent this from ever happening, again!!! 💩💥 https://media.gab.com/cdn-cgi/image/width=568,quality=100,fit=scale-down/system/media_attachments/files/168/514/996/original/6ab50baae5f8cf23.png

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NOW, WE ABSOLUTELY MUST ARREST AND HANG ALL OF THE TRAITORS, TYTRANTS, AND THEIR HENCHMEN!!! NO DELAYS, NO EXCUSES, NO EXCEPTIONS, NO "AMNESTY", NO MERCY!!!!!... 🤔🤨😡 💩💥 https://media.gab.com/cdn-cgi/image/width=568,quality=100,fit=scale-down/system/media_attachments/files/168/529/979/original/4af1edf9dfe95788.png

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No Breach of Contract no Bad Faith Happy Veterans Day to My Fellow Veterans Some Claims Proper Some Not Read the full article at https://www.linkedin.com/pulse/happy-veterans-day-my-fellow-barry-zalma-esq-cfe-ovpec, shttps://www.linkedin.com/pulse/happy-veterans-day-my-fellow-barry-zalma-esq-cfe-ovpec and at https://zalma.com/blog plus more than 4900 posts. Post 4929 Vepo Design Corporation and its officers (collectively, “Vepo”) appealed the district court’s grant of summary judgment on their breach of contract and bad faith claims against American Economy Insurance Company (“AEIC”). Vepo’s claims relate to AEIC’s denial of coverage following a fire in a laundromat, known as the “Central Laundromat,” which Vepo was developing. In Vepo Design Corporation, et al. v. American Economy Insurance Company, No. 23-55634, United States Court of Appeals, Ninth Circuit (November 4, 2024) the issues were resolved serially. DECISIONS Business Income The Ninth Circuit reversed the district court’s grant of summary judgment in favor of AEIC on Vepo’s business income claim, which concerns income Vepo contends it would have earned operating the Central Laundromat if the fire had not occurred. AEIC argued that Vepo’s claim for lost income was too speculative given that the Central Laundromat was still under construction and Vepo had not secured additional financing to own and operate it. Construing the facts in the light most favorable to Vepo as the non-moving party the Ninth Circuit concluded that there is sufficient evidence to create a genuine dispute of material fact and that Vepo’s claim for lost business income is not unduly speculative. There is evidence that Vepo was contemplating an arrangement under which it would own and operate the Central Laundromat for a period of time before selling it, and that Vepo later engaged in similar arrangements for other laundromats. Vepo, which was experienced in the laundromat industry, also demonstrated that it had a history of securing financing for its laundromat projects and that it intended to refinance the Central Laundromat once a certificate of occupancy was received. Although Vepo had not secured refinancing for the Central Laundromat as of the time of the fire, Vepo’s Principal Owner stated in her declaration and confirmed at her deposition that it was too early to do so in the project timeline. That Vepo had yet to refinance does not render its claim too speculative as a matter of law and its losses are for a jury to decide. Extra Expense The Ninth Circuit affirmed the district court’s grant of summary judgment in favor of AEIC for the extra expenses that Vepo allegedly incurred in storing laundry equipment in a warehouse owned by Vepo’s sister company following the fire. While the policy only required the expense to be incurred, not paid, there was insufficient evidence to create a triable issue over whether the expense was incurred at all. No payment changed hands between the two entities, and there is no accounting record showing that Vepo was liable for the storage amount. When the same person signed as representative of both entities, does not create a genuine dispute of material fact. Lost Profits The Ninth Circuit concluded that the district court properly granted summary judgment on Vepo’s claim for lost profits on the prospective sale of the laundromat. Even assuming that such a loss would be covered under the policy, the claim fails because the policy limited coverage to losses that occur within one year of the incident. Vepo’s plan called for it to own and operate the Central Laundromat for at least one year after opening, which would place any hypothetical sale more than a year after the pre-opening fire. Individual Personal Property Claims The Ninth Circuit affirmed summary judgment for AEIC on the claims by the individual plaintiffs for their own personal property that was allegedly lost in the fire. As the district court correctly found, Vepo did not identify what individual property was lost or its worth. The individual plaintiffs’ claims were too unsupported to create a triable issue. Bad Faith The Ninth Circuit partially reversed the district court’s grant of summary judgment on Vepo’s bad faith claim, to the extent of the single insurance claim it allowed to go forward-the business income claim. The district court may permit any further motions practice on the bad faith claim as it deems appropriate. However, it affirmed the district court’s grant of summary judgment on the bad faith claim insofar as that claim is premised on any of the other breach of contract claims to which AEIC is entitled to judgment as a matter of law. There is never a claim for breach of the implied duty of good faith and fair dealing if there was no improper denial of coverage under the policy. ZALMA OPINION The importance of this case is the reiteration of the law that there can never be a viable tort of bad faith if there is no improper denial of a claim by breach of the insurance contract. If the one cause of action remaining was breached in bad faith and there was no genuine dispute over coverage, that cause can be brought for bad faith damages. The other decisions of the Ninth Circuit were obvious and well reasoned. (c) 2024 Barry Zalma & ClaimSchool, Inc. Please tell your friends and colleagues about this blog and the videos and let them subscribe to the blog and the videos. Subscribe to my substack at https://barryzalma.substack.com/subscribe Go to X @bzalma; Go to Newsbreak.com https://www.newsbreak.com/@c/1653419?s=01; Go to Barry Zalma videos at Rumble.com at https://rumble.com/account/content?type=all; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg Go to the Insurance Claims Library – https://lnkd.in/gwEYk